Home > West Michigan Community Bank > Performance and Condition Ratios
West Michigan Community Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7656% | 869 |
| Cost of funding earning assets | 1.9231% | 1,033 |
| Net interest margin | 3.8425% | 1,485 |
| Noninterest income to average assets | 0.4400% | 2,284 |
| Noninterest expense to average assets | 2.1335% | 3,316 |
| Loan and lease loss provision to assets | 0.0500% | 2,105 |
| Net operating income to assets | 1.4948% | 1,029 |
| Return on assets (ROA) | 1.4958% | 1,000 |
| Pretax return on assets | 1.8695% | 804 |
| Return on Equity (ROE) | 17.8000% | 844 |
| Retained earnings to average equity (ytd only) | 12.7007% | 544 |
| Net charge-offs to loans | 0.0007% | 2,863 |
| Credit loss provision to net charge-offs | 7,416.6667% | 72 |
| Earnings coverage of net charge-offs (x) | 2,982.3333% | 44 |
| Efficiency ratio | 52.6877% | 3,776 |
| Assets per employee ($millions) | 10.7152% | 580 |
| Cash dividends to net income (ytd only)* | 28.6307% | 2,604 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1208% | 2,723 |
| Loan loss allowance to noncurrent loans | 1,081.5668% | 858 |
| Noncurrent assets plus other real estate owned to assets | 0.0910% | 2,921 |
| Noncurrent loans to loans | 0.1036% | 3,018 |
| Net loans and leases to total assets | 86.8500% | 123 |
| Net loans and leases to deposits | 100.6370% | 503 |
| Net loans and leases to core deposits | 113.0400% | 842 |
| Total domestic deposits to total assets | 86.3000% | 1,914 |
| Equity capital to assets | 8.7843% | 2,841 |
| Core capital (leverage) ratio | 9.4020% | 3,340 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $934,004,800 | 1,048 |
| Average earning assets | $878,101,000 | 1,023 |
| Average equity | $78,507,200 | 1,149 |
| Average total loans | $807,367,200 | 860 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6946% | 795 |
| Cost of funding earning assets | 1.8283% | 963 |
| Net interest margin | 3.8663% | 1,466 |
| Noninterest income to average assets | 0.4300% | 2,306 |
| Noninterest expense to average assets | 2.1915% | 3,104 |
| Loan and lease loss provision to assets | 0.1200% | 978 |
| Net operating income to assets | 1.4086% | 1,300 |
| Return on assets (ROA) | 1.4076% | 1,287 |
| Pretax return on assets | 1.7569% | 1,071 |
| Return on Equity (ROE) | 16.9400% | 1,087 |
| Retained earnings to average equity (ytd only) | 16.9428% | 396 |
| Net charge-offs to loans | 0.0010% | 2,596 |
| Credit loss provision to net charge-offs | 13,416.6667% | 35 |
| Earnings coverage of net charge-offs (x) | 2,176.0000% | 65 |
| Efficiency ratio | 53.9097% | 3,596 |
| Assets per employee ($millions) | 10.7817% | 534 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1878% | 2,424 |
| Loan loss allowance to noncurrent loans | 838.8985% | 1,000 |
| Noncurrent assets plus other real estate owned to assets | 0.1239% | 2,735 |
| Noncurrent loans to loans | 0.1416% | 2,842 |
| Net loans and leases to total assets | 86.4500% | 139 |
| Net loans and leases to deposits | 100.1619% | 507 |
| Net loans and leases to core deposits | 114.0118% | 727 |
| Total domestic deposits to total assets | 86.3100% | 2,099 |
| Equity capital to assets | 8.7973% | 2,537 |
| Core capital (leverage) ratio | 9.4202% | 3,380 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $929,091,750 | 1,059 |
| Average earning assets | $873,084,750 | 1,030 |
| Average equity | $77,191,000 | 1,156 |
| Average total loans | $799,810,500 | 865 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5228% | 803 |
| Cost of funding earning assets | 1.6795% | 912 |
| Net interest margin | 3.8433% | 1,538 |
| Noninterest income to average assets | 0.4200% | 2,314 |
| Noninterest expense to average assets | 2.1691% | 3,170 |
| Loan and lease loss provision to assets | 0.1700% | 642 |
| Net operating income to assets | 1.3537% | 1,441 |
| Return on assets (ROA) | 1.3551% | 1,421 |
| Pretax return on assets | 1.6875% | 1,240 |
| Return on Equity (ROE) | 16.6400% | 1,155 |
| Retained earnings to average equity (ytd only) | 16.6413% | 414 |
| Net charge-offs to loans | 0.0008% | 2,412 |
| Credit loss provision to net charge-offs | 26,833.3333% | 19 |
| Earnings coverage of net charge-offs (x) | 2,870.3333% | 41 |
| Efficiency ratio | 53.8408% | 3,629 |
| Assets per employee ($millions) | 10.3863% | 594 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1956% | 2,469 |
| Loan loss allowance to noncurrent loans | 979.0161% | 970 |
| Noncurrent assets plus other real estate owned to assets | 0.1054% | 2,800 |
| Noncurrent loans to loans | 0.1221% | 2,866 |
| Net loans and leases to total assets | 85.2600% | 187 |
| Net loans and leases to deposits | 102.5937% | 411 |
| Net loans and leases to core deposits | 118.2328% | 561 |
| Total domestic deposits to total assets | 83.1100% | 3,020 |
| Equity capital to assets | 8.4285% | 2,924 |
| Core capital (leverage) ratio | 9.2559% | 3,497 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $926,118,333 | 1,047 |
| Average earning assets | $870,613,667 | 1,026 |
| Average equity | $75,414,667 | 1,166 |
| Average total loans | $792,864,333 | 855 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3814% | 747 |
| Cost of funding earning assets | 1.4916% | 864 |
| Net interest margin | 3.8898% | 1,496 |
| Noninterest income to average assets | 0.4100% | 2,332 |
| Noninterest expense to average assets | 2.2077% | 3,081 |
| Loan and lease loss provision to assets | 0.1800% | 597 |
| Net operating income to assets | 1.3603% | 1,510 |
| Return on assets (ROA) | 1.3607% | 1,479 |
| Pretax return on assets | 1.6840% | 1,303 |
| Return on Equity (ROE) | 17.0200% | 1,171 |
| Retained earnings to average equity (ytd only) | 17.0171% | 595 |
| Net charge-offs to loans | -0.0015% | 3,378 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 54.2695% | 3,576 |
| Assets per employee ($millions) | 9.5853% | 781 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1761% | 2,686 |
| Loan loss allowance to noncurrent loans | 909.4266% | 1,054 |
| Noncurrent assets plus other real estate owned to assets | 0.1107% | 2,752 |
| Noncurrent loans to loans | 0.1293% | 2,866 |
| Net loans and leases to total assets | 84.5700% | 200 |
| Net loans and leases to deposits | 103.3884% | 318 |
| Net loans and leases to core deposits | 117.5808% | 500 |
| Total domestic deposits to total assets | 81.8000% | 3,511 |
| Equity capital to assets | 8.1815% | 3,120 |
| Core capital (leverage) ratio | 9.1585% | 3,588 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $916,600,500 | 1,078 |
| Average earning assets | $862,973,000 | 1,052 |
| Average equity | $73,291,000 | 1,208 |
| Average total loans | $781,496,000 | 875 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3404% | 986 |
| Cost of funding earning assets | 0.3877% | 2,195 |
| Net interest margin | 3.9526% | 855 |
| Noninterest income to average assets | 0.4600% | 2,330 |
| Noninterest expense to average assets | 2.2226% | 2,968 |
| Loan and lease loss provision to assets | 0.2300% | 422 |
| Net operating income to assets | 1.3575% | 1,253 |
| Return on assets (ROA) | 1.3467% | 1,250 |
| Pretax return on assets | 1.6836% | 959 |
| Return on Equity (ROE) | 16.4700% | 967 |
| Retained earnings to average equity (ytd only) | 10.8154% | 930 |
| Net charge-offs to loans | 0.0014% | 2,509 |
| Credit loss provision to net charge-offs | 19,930.0000% | 35 |
| Earnings coverage of net charge-offs (x) | 1,667.8000% | 101 |
| Efficiency ratio | 53.5561% | 3,826 |
| Assets per employee ($millions) | 9.3136% | 826 |
| Cash dividends to net income (ytd only)* | 34.3259% | 2,195 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4791% | 1,263 |
| Loan loss allowance to noncurrent loans | 4,808.8983% | 304 |
| Noncurrent assets plus other real estate owned to assets | 0.0261% | 3,564 |
| Noncurrent loans to loans | 0.0308% | 3,562 |
| Net loans and leases to total assets | 83.6800% | 284 |
| Net loans and leases to deposits | 99.1169% | 475 |
| Net loans and leases to core deposits | 104.3768% | 812 |
| Total domestic deposits to total assets | 84.4200% | 3,121 |
| Equity capital to assets | 7.8050% | 3,182 |
| Core capital (leverage) ratio | 8.7730% | 3,902 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $865,307,000 | 1,119 |
| Average earning assets | $808,045,200 | 1,099 |
| Average equity | $70,760,000 | 1,237 |
| Average total loans | $708,076,600 | 898 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0676% | 1,124 |
| Cost of funding earning assets | 0.2074% | 3,186 |
| Net interest margin | 3.8602% | 867 |
| Noninterest income to average assets | 0.4800% | 2,264 |
| Noninterest expense to average assets | 2.2242% | 2,863 |
| Loan and lease loss provision to assets | 0.2200% | 387 |
| Net operating income to assets | 1.3048% | 1,337 |
| Return on assets (ROA) | 1.2939% | 1,337 |
| Pretax return on assets | 1.6177% | 1,075 |
| Return on Equity (ROE) | 15.6400% | 1,057 |
| Retained earnings to average equity (ytd only) | 15.6351% | 307 |
| Net charge-offs to loans | 0.0017% | 2,238 |
| Credit loss provision to net charge-offs | 15,877.7778% | 37 |
| Earnings coverage of net charge-offs (x) | 1,322.1111% | 99 |
| Efficiency ratio | 54.5406% | 3,773 |
| Assets per employee ($millions) | 10.0495% | 652 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4363% | 1,488 |
| Loan loss allowance to noncurrent loans | 5,087.7358% | 270 |
| Noncurrent assets plus other real estate owned to assets | 0.0240% | 3,705 |
| Noncurrent loans to loans | 0.0282% | 3,696 |
| Net loans and leases to total assets | 83.7000% | 270 |
| Net loans and leases to deposits | 98.6036% | 423 |
| Net loans and leases to core deposits | 102.3996% | 725 |
| Total domestic deposits to total assets | 84.8800% | 3,312 |
| Equity capital to assets | 8.2288% | 2,733 |
| Core capital (leverage) ratio | 9.2811% | 3,305 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $855,777,750 | 1,136 |
| Average earning assets | $797,806,750 | 1,118 |
| Average equity | $70,822,000 | 1,250 |
| Average total loans | $693,270,000 | 910 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8264% | 1,257 |
| Cost of funding earning assets | 0.1545% | 3,520 |
| Net interest margin | 3.6719% | 961 |
| Noninterest income to average assets | 0.4906% | 2,255 |
| Noninterest expense to average assets | 2.2544% | 2,694 |
| Loan and lease loss provision to assets | 0.1947% | 437 |
| Net operating income to assets | 1.1839% | 1,485 |
| Return on assets (ROA) | 1.1710% | 1,509 |
| Pretax return on assets | 1.4627% | 1,276 |
| Return on Equity (ROE) | 14.1224% | 1,082 |
| Retained earnings to average equity (ytd only) | 14.1224% | 347 |
| Net charge-offs to loans | 0.0015% | 2,071 |
| Credit loss provision to net charge-offs | 16,480.0000% | 32 |
| Earnings coverage of net charge-offs (x) | 1,416.2000% | 84 |
| Efficiency ratio | 57.3947% | 3,636 |
| Assets per employee ($millions) | 9.0867% | 855 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4577% | 1,526 |
| Loan loss allowance to noncurrent loans | 4,546.8750% | 273 |
| Noncurrent assets plus other real estate owned to assets | 0.0271% | 3,714 |
| Noncurrent loans to loans | 0.0321% | 3,709 |
| Net loans and leases to total assets | 83.2680% | 221 |
| Net loans and leases to deposits | 94.2647% | 506 |
| Net loans and leases to core deposits | 98.0362% | 758 |
| Total domestic deposits to total assets | 88.3342% | 2,447 |
| Equity capital to assets | 8.5391% | 2,733 |
| Core capital (leverage) ratio | 9.0446% | 3,418 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $846,251,667 | 1,140 |
| Average earning assets | $792,174,000 | 1,136 |
| Average equity | $70,172,000 | 1,289 |
| Average total loans | $674,044,000 | 921 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6196% | 1,450 |
| Cost of funding earning assets | 0.1608% | 3,354 |
| Net interest margin | 3.4588% | 1,160 |
| Noninterest income to average assets | 0.5113% | 2,090 |
| Noninterest expense to average assets | 2.2189% | 2,786 |
| Loan and lease loss provision to assets | 0.3440% | 169 |
| Net operating income to assets | 0.9578% | 2,040 |
| Return on assets (ROA) | 0.9403% | 2,103 |
| Pretax return on assets | 1.1725% | 1,910 |
| Return on Equity (ROE) | 11.5048% | 1,455 |
| Retained earnings to average equity (ytd only) | 11.5048% | 680 |
| Net charge-offs to loans | -0.0006% | 2,985 |
| Credit loss provision to net charge-offs | -73,600.0000% | 3,627 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.0547% | 3,580 |
| Assets per employee ($millions) | 9.6218% | 748 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4889% | 1,584 |
| Loan loss allowance to noncurrent loans | 4,174.7934% | 303 |
| Noncurrent assets plus other real estate owned to assets | 0.0286% | 3,757 |
| Noncurrent loans to loans | 0.0357% | 3,730 |
| Net loans and leases to total assets | 78.9458% | 298 |
| Net loans and leases to deposits | 90.6999% | 473 |
| Net loans and leases to core deposits | 95.4765% | 676 |
| Total domestic deposits to total assets | 87.0407% | 2,912 |
| Equity capital to assets | 8.1687% | 3,432 |
| Core capital (leverage) ratio | 8.5170% | 3,847 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $855,933,500 | 1,133 |
| Average earning assets | $803,294,000 | 1,121 |
| Average equity | $69,953,500 | 1,332 |
| Average total loans | $661,707,000 | 927 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7258% | 2,042 |
| Cost of funding earning assets | 0.2167% | 3,296 |
| Net interest margin | 3.5091% | 1,705 |
| Noninterest income to average assets | 0.7056% | 1,751 |
| Noninterest expense to average assets | 2.2339% | 2,984 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.4071% | 1,254 |
| Return on assets (ROA) | 1.4041% | 1,321 |
| Pretax return on assets | 1.7550% | 1,013 |
| Return on Equity (ROE) | 16.0650% | 752 |
| Retained earnings to average equity (ytd only) | 8.8622% | 1,245 |
| Net charge-offs to loans | -0.0079% | 3,667 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.9490% | 3,710 |
| Assets per employee ($millions) | 9.7208% | 722 |
| Cash dividends to net income (ytd only)* | 44.8350% | 1,779 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4524% | 1,723 |
| Loan loss allowance to noncurrent loans | 506.5441% | 1,413 |
| Noncurrent assets plus other real estate owned to assets | 0.2137% | 2,492 |
| Noncurrent loans to loans | 0.2867% | 2,568 |
| Net loans and leases to total assets | 73.4551% | 711 |
| Net loans and leases to deposits | 84.1345% | 900 |
| Net loans and leases to core deposits | 88.7972% | 1,030 |
| Total domestic deposits to total assets | 87.3068% | 2,383 |
| Equity capital to assets | 8.1768% | 4,252 |
| Core capital (leverage) ratio | 8.3459% | 4,065 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $794,229,800 | 1,167 |
| Average earning assets | $743,974,600 | 1,161 |
| Average equity | $69,418,200 | 1,359 |
| Average total loans | $608,859,400 | 996 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7154% | 2,234 |
| Cost of funding earning assets | 0.2339% | 3,271 |
| Net interest margin | 3.4815% | 1,921 |
| Noninterest income to average assets | 0.7272% | 1,740 |
| Noninterest expense to average assets | 2.2317% | 2,968 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.4017% | 1,538 |
| Return on assets (ROA) | 1.3999% | 1,604 |
| Pretax return on assets | 1.7523% | 1,273 |
| Return on Equity (ROE) | 15.7342% | 1,000 |
| Retained earnings to average equity (ytd only) | 15.7342% | 314 |
| Net charge-offs to loans | -0.0098% | 3,665 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.9854% | 3,533 |
| Assets per employee ($millions) | 8.8644% | 937 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5235% | 1,542 |
| Loan loss allowance to noncurrent loans | 7,801.6667% | 163 |
| Noncurrent assets plus other real estate owned to assets | 0.0150% | 4,115 |
| Noncurrent loans to loans | 0.0195% | 4,053 |
| Net loans and leases to total assets | 75.8527% | 560 |
| Net loans and leases to deposits | 88.2763% | 701 |
| Net loans and leases to core deposits | 93.6540% | 841 |
| Total domestic deposits to total assets | 85.9264% | 2,777 |
| Equity capital to assets | 9.1339% | 3,717 |
| Core capital (leverage) ratio | 9.2032% | 3,330 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $776,500,500 | 1,201 |
| Average earning assets | $726,866,500 | 1,195 |
| Average equity | $69,087,500 | 1,380 |
| Average total loans | $599,859,000 | 1,029 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7268% | 2,262 |
| Cost of funding earning assets | 0.2574% | 3,218 |
| Net interest margin | 3.4694% | 1,947 |
| Noninterest income to average assets | 0.7614% | 1,643 |
| Noninterest expense to average assets | 2.2228% | 3,006 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.4266% | 1,494 |
| Return on assets (ROA) | 1.4237% | 1,573 |
| Pretax return on assets | 1.7829% | 1,277 |
| Return on Equity (ROE) | 16.1500% | 927 |
| Retained earnings to average equity (ytd only) | 16.1500% | 329 |
| Net charge-offs to loans | -0.0064% | 3,507 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.4396% | 3,612 |
| Assets per employee ($millions) | 8.6804% | 958 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5424% | 1,443 |
| Loan loss allowance to noncurrent loans | 6,668.5714% | 159 |
| Noncurrent assets plus other real estate owned to assets | 0.0179% | 4,162 |
| Noncurrent loans to loans | 0.0231% | 4,107 |
| Net loans and leases to total assets | 76.2824% | 563 |
| Net loans and leases to deposits | 88.8187% | 727 |
| Net loans and leases to core deposits | 95.6726% | 823 |
| Total domestic deposits to total assets | 85.8855% | 2,780 |
| Equity capital to assets | 9.0192% | 3,777 |
| Core capital (leverage) ratio | 9.0275% | 3,422 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $769,401,000 | 1,201 |
| Average earning assets | $720,293,000 | 1,200 |
| Average equity | $67,826,667 | 1,390 |
| Average total loans | $594,974,000 | 1,038 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7713% | 2,182 |
| Cost of funding earning assets | 0.2822% | 3,175 |
| Net interest margin | 3.4892% | 1,851 |
| Noninterest income to average assets | 0.8582% | 1,434 |
| Noninterest expense to average assets | 2.2701% | 2,879 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.4855% | 1,359 |
| Return on assets (ROA) | 1.4780% | 1,442 |
| Pretax return on assets | 1.8505% | 1,196 |
| Return on Equity (ROE) | 16.9660% | 855 |
| Retained earnings to average equity (ytd only) | 16.9660% | 429 |
| Net charge-offs to loans | -0.0034% | 3,254 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.9664% | 3,671 |
| Assets per employee ($millions) | 8.5720% | 964 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5507% | 1,419 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 76.7238% | 565 |
| Net loans and leases to deposits | 89.1425% | 755 |
| Net loans and leases to core deposits | 97.0748% | 838 |
| Total domestic deposits to total assets | 86.0687% | 2,711 |
| Equity capital to assets | 8.7649% | 3,896 |
| Core capital (leverage) ratio | 8.8930% | 3,713 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $763,485,000 | 1,194 |
| Average earning assets | $715,929,000 | 1,187 |
| Average equity | $66,509,500 | 1,403 |
| Average total loans | $589,821,500 | 1,048 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3346% | 1,761 |
| Cost of funding earning assets | 0.5395% | 2,686 |
| Net interest margin | 3.7950% | 1,512 |
| Noninterest income to average assets | 0.8369% | 1,434 |
| Noninterest expense to average assets | 2.4276% | 3,064 |
| Loan and lease loss provision to assets | 0.2825% | 1,348 |
| Net operating income to assets | 1.3568% | 1,111 |
| Return on assets (ROA) | 1.3610% | 1,195 |
| Pretax return on assets | 1.6833% | 882 |
| Return on Equity (ROE) | 14.3790% | 736 |
| Retained earnings to average equity (ytd only) | 6.6015% | 1,544 |
| Net charge-offs to loans | -0.0123% | 4,311 |
| Credit loss provision to net charge-offs | -2,741.4286% | 4,241 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.3214% | 4,061 |
| Assets per employee ($millions) | 8.4887% | 896 |
| Cash dividends to net income (ytd only)* | 54.0891% | 1,629 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6110% | 1,264 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 75.3277% | 861 |
| Net loans and leases to deposits | 87.5541% | 1,129 |
| Net loans and leases to core deposits | 96.6061% | 1,087 |
| Total domestic deposits to total assets | 86.0356% | 2,352 |
| Equity capital to assets | 8.6566% | 4,334 |
| Core capital (leverage) ratio | 8.7284% | 3,981 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $679,183,800 | 1,204 |
| Average earning assets | $635,565,200 | 1,202 |
| Average equity | $64,288,000 | 1,381 |
| Average total loans | $567,422,600 | 1,031 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4668% | 1,658 |
| Cost of funding earning assets | 0.6088% | 2,559 |
| Net interest margin | 3.8581% | 1,455 |
| Noninterest income to average assets | 0.7978% | 1,504 |
| Noninterest expense to average assets | 2.4109% | 3,100 |
| Loan and lease loss provision to assets | 0.3877% | 939 |
| Net operating income to assets | 1.3083% | 1,340 |
| Return on assets (ROA) | 1.3147% | 1,408 |
| Pretax return on assets | 1.6169% | 1,141 |
| Return on Equity (ROE) | 13.5580% | 962 |
| Retained earnings to average equity (ytd only) | 13.5580% | 275 |
| Net charge-offs to loans | -0.0153% | 4,343 |
| Credit loss provision to net charge-offs | -2,952.3077% | 4,150 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.6996% | 4,074 |
| Assets per employee ($millions) | 8.0251% | 982 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5447% | 1,255 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 84.0538% | 274 |
| Net loans and leases to deposits | 99.1657% | 568 |
| Net loans and leases to core deposits | 111.6586% | 639 |
| Total domestic deposits to total assets | 84.7609% | 2,524 |
| Equity capital to assets | 9.5964% | 3,607 |
| Core capital (leverage) ratio | 9.5410% | 3,216 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $660,107,000 | 1,216 |
| Average earning assets | $617,601,250 | 1,216 |
| Average equity | $64,010,000 | 1,373 |
| Average total loans | $564,675,250 | 1,032 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5445% | 1,791 |
| Cost of funding earning assets | 0.6991% | 2,385 |
| Net interest margin | 3.8454% | 1,701 |
| Noninterest income to average assets | 0.5950% | 2,148 |
| Noninterest expense to average assets | 2.3805% | 3,305 |
| Loan and lease loss provision to assets | 0.5180% | 669 |
| Net operating income to assets | 1.0456% | 2,165 |
| Return on assets (ROA) | 1.0553% | 2,260 |
| Pretax return on assets | 1.3208% | 1,962 |
| Return on Equity (ROE) | 10.8419% | 1,685 |
| Retained earnings to average equity (ytd only) | 10.8419% | 630 |
| Net charge-offs to loans | -0.0178% | 4,371 |
| Credit loss provision to net charge-offs | -3,408.1633% | 4,029 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.5804% | 3,878 |
| Assets per employee ($millions) | 7.8986% | 1,009 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5280% | 1,184 |
| Loan loss allowance to noncurrent loans | 8,377.7778% | 85 |
| Noncurrent assets plus other real estate owned to assets | 0.0154% | 4,488 |
| Noncurrent loans to loans | 0.0182% | 4,427 |
| Net loans and leases to total assets | 82.9498% | 331 |
| Net loans and leases to deposits | 99.7482% | 566 |
| Net loans and leases to core deposits | 113.8899% | 601 |
| Total domestic deposits to total assets | 83.1592% | 3,038 |
| Equity capital to assets | 9.2001% | 3,927 |
| Core capital (leverage) ratio | 9.2603% | 3,625 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $644,739,000 | 1,220 |
| Average earning assets | $605,655,667 | 1,214 |
| Average equity | $62,756,333 | 1,382 |
| Average total loans | $551,930,333 | 1,034 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7788% | 1,472 |
| Cost of funding earning assets | 0.8619% | 2,049 |
| Net interest margin | 3.9169% | 1,616 |
| Noninterest income to average assets | 0.5750% | 2,153 |
| Noninterest expense to average assets | 2.6159% | 2,934 |
| Loan and lease loss provision to assets | 0.2924% | 1,059 |
| Net operating income to assets | 1.0740% | 1,923 |
| Return on assets (ROA) | 1.0740% | 2,026 |
| Pretax return on assets | 1.3430% | 1,739 |
| Return on Equity (ROE) | 10.6995% | 1,501 |
| Retained earnings to average equity (ytd only) | 10.6995% | 615 |
| Net charge-offs to loans | -0.0053% | 3,885 |
| Credit loss provision to net charge-offs | -6,428.5714% | 3,912 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5314% | 3,552 |
| Assets per employee ($millions) | 6.6887% | 1,237 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4310% | 1,586 |
| Loan loss allowance to noncurrent loans | 5,444.7552% | 123 |
| Noncurrent assets plus other real estate owned to assets | 0.0225% | 4,522 |
| Noncurrent loans to loans | 0.0263% | 4,463 |
| Net loans and leases to total assets | 84.4028% | 240 |
| Net loans and leases to deposits | 104.5273% | 346 |
| Net loans and leases to core deposits | 125.2473% | 348 |
| Total domestic deposits to total assets | 80.7472% | 3,717 |
| Equity capital to assets | 9.9257% | 3,855 |
| Core capital (leverage) ratio | 10.0840% | 3,365 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6123% | 3,201 |
| Memoranda: | ||
| Average total assets | $615,622,000 | 1,240 |
| Average earning assets | $577,798,000 | 1,228 |
| Average equity | $61,797,500 | 1,390 |
| Average total loans | $531,814,000 | 1,044 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0882% | 1,239 |
| Cost of funding earning assets | 1.0582% | 1,488 |
| Net interest margin | 4.0300% | 1,750 |
| Noninterest income to average assets | 0.6002% | 2,218 |
| Noninterest expense to average assets | 2.6531% | 3,015 |
| Loan and lease loss provision to assets | 0.1884% | 1,088 |
| Net operating income to assets | 1.2167% | 1,994 |
| Return on assets (ROA) | 1.2167% | 2,084 |
| Pretax return on assets | 1.5243% | 1,733 |
| Return on Equity (ROE) | 12.0771% | 1,483 |
| Retained earnings to average equity (ytd only) | 12.0771% | 234 |
| Net charge-offs to loans | -0.0075% | 4,403 |
| Credit loss provision to net charge-offs | -2,941.6667% | 4,633 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7695% | 3,571 |
| Assets per employee ($millions) | 6.2718% | 1,438 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4107% | 1,489 |
| Loan loss allowance to noncurrent loans | 4,952.0270% | 146 |
| Noncurrent assets plus other real estate owned to assets | 0.0248% | 4,531 |
| Noncurrent loans to loans | 0.0285% | 4,450 |
| Net loans and leases to total assets | 85.9651% | 168 |
| Net loans and leases to deposits | 100.7209% | 547 |
| Net loans and leases to core deposits | 116.4272% | 578 |
| Total domestic deposits to total assets | 85.3498% | 2,368 |
| Equity capital to assets | 10.1583% | 3,779 |
| Core capital (leverage) ratio | 10.3113% | 3,178 |
| Tier 1 risk-based capital ratio | 10.4260% | 5,041 |
| Total risk-based capital ratio | 11.6763% | 4,973 |
| Memoranda: | ||
| Average total assets | $562,023,200 | 1,286 |
| Average earning assets | $525,157,000 | 1,280 |
| Average equity | $56,619,400 | 1,433 |
| Average total loans | $481,931,200 | 1,112 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1452% | 1,167 |
| Cost of funding earning assets | 1.1010% | 1,353 |
| Net interest margin | 4.0441% | 1,789 |
| Noninterest income to average assets | 0.5932% | 2,239 |
| Noninterest expense to average assets | 2.6696% | 2,949 |
| Loan and lease loss provision to assets | 0.1958% | 904 |
| Net operating income to assets | 1.1951% | 2,208 |
| Return on assets (ROA) | 1.1951% | 2,287 |
| Pretax return on assets | 1.5000% | 1,956 |
| Return on Equity (ROE) | 11.8898% | 1,659 |
| Retained earnings to average equity (ytd only) | 11.8898% | 396 |
| Net charge-offs to loans | -0.0076% | 4,312 |
| Credit loss provision to net charge-offs | -3,011.1111% | 4,588 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1531% | 3,457 |
| Assets per employee ($millions) | 6.3603% | 1,354 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4082% | 1,546 |
| Loan loss allowance to noncurrent loans | 8,420.2381% | 96 |
| Noncurrent assets plus other real estate owned to assets | 0.0140% | 4,685 |
| Noncurrent loans to loans | 0.0167% | 4,601 |
| Net loans and leases to total assets | 82.8287% | 484 |
| Net loans and leases to deposits | 98.3315% | 786 |
| Net loans and leases to core deposits | 111.3175% | 882 |
| Total domestic deposits to total assets | 84.2342% | 2,737 |
| Equity capital to assets | 9.8100% | 4,202 |
| Core capital (leverage) ratio | 10.2200% | 3,401 |
| Tier 1 risk-based capital ratio | 10.4663% | 5,086 |
| Total risk-based capital ratio | 11.7165% | 5,011 |
| Memoranda: | ||
| Average total assets | $553,573,750 | 1,304 |
| Average earning assets | $516,354,500 | 1,304 |
| Average equity | $55,643,000 | 1,450 |
| Average total loans | $472,532,250 | 1,130 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1345% | 1,139 |
| Cost of funding earning assets | 1.1038% | 1,284 |
| Net interest margin | 4.0306% | 1,830 |
| Noninterest income to average assets | 0.5779% | 2,255 |
| Noninterest expense to average assets | 2.7245% | 2,826 |
| Loan and lease loss provision to assets | 0.1689% | 1,079 |
| Net operating income to assets | 1.1741% | 2,244 |
| Return on assets (ROA) | 1.1741% | 2,323 |
| Pretax return on assets | 1.4729% | 1,944 |
| Return on Equity (ROE) | 11.5775% | 1,752 |
| Retained earnings to average equity (ytd only) | 11.5775% | 468 |
| Net charge-offs to loans | -0.0073% | 4,232 |
| Credit loss provision to net charge-offs | -2,676.4706% | 4,417 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3990% | 3,365 |
| Assets per employee ($millions) | 5.9136% | 1,607 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4052% | 1,591 |
| Loan loss allowance to noncurrent loans | 13,410.0000% | 64 |
| Noncurrent assets plus other real estate owned to assets | 0.0090% | 4,760 |
| Noncurrent loans to loans | 0.0105% | 4,673 |
| Net loans and leases to total assets | 84.6308% | 318 |
| Net loans and leases to deposits | 102.7464% | 489 |
| Net loans and leases to core deposits | 124.0566% | 429 |
| Total domestic deposits to total assets | 82.3686% | 3,415 |
| Equity capital to assets | 10.1930% | 3,798 |
| Core capital (leverage) ratio | 10.3058% | 3,280 |
| Tier 1 risk-based capital ratio | 10.7750% | 5,003 |
| Total risk-based capital ratio | 12.0255% | 4,912 |
| Memoranda: | ||
| Average total assets | $538,808,330 | 1,343 |
| Average earning assets | $506,420,670 | 1,323 |
| Average equity | $54,640,330 | 1,465 |
| Average total loans | $462,616,000 | 1,144 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0680% | 1,171 |
| Cost of funding earning assets | 1.0899% | 1,219 |
| Net interest margin | 3.9782% | 1,920 |
| Noninterest income to average assets | 0.5469% | 2,304 |
| Noninterest expense to average assets | 2.7269% | 2,822 |
| Loan and lease loss provision to assets | 0.1773% | 944 |
| Net operating income to assets | 1.0983% | 2,478 |
| Return on assets (ROA) | 1.0983% | 2,524 |
| Pretax return on assets | 1.3736% | 2,175 |
| Return on Equity (ROE) | 10.8596% | 1,998 |
| Retained earnings to average equity (ytd only) | 10.8596% | 833 |
| Net charge-offs to loans | -0.0061% | 4,074 |
| Credit loss provision to net charge-offs | -3,357.1429% | 4,154 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7454% | 3,278 |
| Assets per employee ($millions) | 5.9611% | 1,583 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3958% | 1,692 |
| Loan loss allowance to noncurrent loans | 766.3905% | 755 |
| Noncurrent assets plus other real estate owned to assets | 0.1558% | 4,025 |
| Noncurrent loans to loans | 0.1821% | 3,935 |
| Net loans and leases to total assets | 84.3353% | 342 |
| Net loans and leases to deposits | 100.8045% | 569 |
| Net loans and leases to core deposits | 120.2891% | 520 |
| Total domestic deposits to total assets | 83.6623% | 3,165 |
| Equity capital to assets | 10.0599% | 3,767 |
| Core capital (leverage) ratio | 10.2792% | 3,296 |
| Tier 1 risk-based capital ratio | 10.7150% | 5,104 |
| Total risk-based capital ratio | 11.9652% | 5,002 |
| Memoranda: | ||
| Average total assets | $530,273,000 | 1,364 |
| Average earning assets | $497,315,500 | 1,346 |
| Average equity | $53,630,000 | 1,480 |
| Average total loans | $455,349,000 | 1,163 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7471% | 1,686 |
| Cost of funding earning assets | 0.6837% | 2,185 |
| Net interest margin | 4.0634% | 1,789 |
| Noninterest income to average assets | 0.6207% | 2,185 |
| Noninterest expense to average assets | 3.2574% | 1,420 |
| Loan and lease loss provision to assets | 0.2403% | 732 |
| Net operating income to assets | 0.7453% | 3,985 |
| Return on assets (ROA) | 0.7453% | 3,988 |
| Pretax return on assets | 0.9412% | 3,783 |
| Return on Equity (ROE) | 7.8407% | 3,507 |
| Retained earnings to average equity (ytd only) | 7.8407% | 1,314 |
| Net charge-offs to loans | -0.0059% | 4,381 |
| Credit loss provision to net charge-offs | -4,791.6667% | 4,929 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3832% | 1,710 |
| Assets per employee ($millions) | 5.5115% | 1,943 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3955% | 1,657 |
| Loan loss allowance to noncurrent loans | 770.5810% | 758 |
| Noncurrent assets plus other real estate owned to assets | 0.1562% | 4,044 |
| Noncurrent loans to loans | 0.1811% | 3,939 |
| Net loans and leases to total assets | 85.0250% | 311 |
| Net loans and leases to deposits | 100.2138% | 727 |
| Net loans and leases to core deposits | 112.8616% | 841 |
| Total domestic deposits to total assets | 84.8436% | 2,710 |
| Equity capital to assets | 10.1700% | 3,506 |
| Core capital (leverage) ratio | 10.4672% | 3,067 |
| Tier 1 risk-based capital ratio | 10.9301% | 5,004 |
| Total risk-based capital ratio | 12.1804% | 4,894 |
| Memoranda: | ||
| Average total assets | $478,626,000 | 1,462 |
| Average earning assets | $449,747,400 | 1,448 |
| Average equity | $45,493,200 | 1,648 |
| Average total loans | $405,583,000 | 1,246 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6478% | 1,841 |
| Cost of funding earning assets | 0.6213% | 2,325 |
| Net interest margin | 4.0265% | 1,868 |
| Noninterest income to average assets | 0.6400% | 2,118 |
| Noninterest expense to average assets | 3.3116% | 1,277 |
| Loan and lease loss provision to assets | 0.2702% | 563 |
| Net operating income to assets | 0.6804% | 4,289 |
| Return on assets (ROA) | 0.6804% | 4,301 |
| Pretax return on assets | 0.8499% | 4,167 |
| Return on Equity (ROE) | 7.2990% | 3,822 |
| Retained earnings to average equity (ytd only) | 7.2990% | 1,974 |
| Net charge-offs to loans | -0.0071% | 4,307 |
| Credit loss provision to net charge-offs | -4,523.8095% | 4,842 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7256% | 1,490 |
| Assets per employee ($millions) | 5.0801% | 2,365 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3914% | 1,737 |
| Loan loss allowance to noncurrent loans | 546.7815% | 1,004 |
| Noncurrent assets plus other real estate owned to assets | 0.2108% | 3,891 |
| Noncurrent loans to loans | 0.2545% | 3,781 |
| Net loans and leases to total assets | 81.6869% | 762 |
| Net loans and leases to deposits | 97.6563% | 975 |
| Net loans and leases to core deposits | 112.0574% | 910 |
| Total domestic deposits to total assets | 83.6473% | 3,063 |
| Equity capital to assets | 9.3569% | 4,222 |
| Core capital (leverage) ratio | 10.1986% | 3,410 |
| Tier 1 risk-based capital ratio | 10.6459% | 5,196 |
| Total risk-based capital ratio | 11.8964% | 5,105 |
| Memoranda: | ||
| Average total assets | $468,761,500 | 1,502 |
| Average earning assets | $441,430,000 | 1,479 |
| Average equity | $43,694,250 | 1,712 |
| Average total loans | $395,295,000 | 1,271 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5684% | 1,880 |
| Cost of funding earning assets | 0.5531% | 2,588 |
| Net interest margin | 4.0153% | 1,810 |
| Noninterest income to average assets | 0.6414% | 2,134 |
| Noninterest expense to average assets | 3.2131% | 1,510 |
| Loan and lease loss provision to assets | 0.3395% | 395 |
| Net operating income to assets | 0.7253% | 4,120 |
| Return on assets (ROA) | 0.7253% | 4,127 |
| Pretax return on assets | 0.9006% | 3,967 |
| Return on Equity (ROE) | 7.7923% | 3,595 |
| Retained earnings to average equity (ytd only) | 7.7923% | 1,709 |
| Net charge-offs to loans | -0.0089% | 4,281 |
| Credit loss provision to net charge-offs | -4,500.0000% | 4,742 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1519% | 1,978 |
| Assets per employee ($millions) | 5.1691% | 2,226 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4147% | 1,702 |
| Loan loss allowance to noncurrent loans | 513.3568% | 1,070 |
| Noncurrent assets plus other real estate owned to assets | 0.2367% | 3,823 |
| Noncurrent loans to loans | 0.2756% | 3,722 |
| Net loans and leases to total assets | 84.6878% | 382 |
| Net loans and leases to deposits | 101.0223% | 734 |
| Net loans and leases to core deposits | 114.4081% | 778 |
| Total domestic deposits to total assets | 83.8308% | 3,123 |
| Equity capital to assets | 8.8287% | 4,698 |
| Core capital (leverage) ratio | 9.5187% | 4,098 |
| Tier 1 risk-based capital ratio | 9.4340% | 5,500 |
| Total risk-based capital ratio | 10.6843% | 5,486 |
| Memoranda: | ||
| Average total assets | $450,599,330 | 1,553 |
| Average earning assets | $427,768,670 | 1,523 |
| Average equity | $41,939,000 | 1,793 |
| Average total loans | $382,574,670 | 1,304 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5323% | 1,766 |
| Cost of funding earning assets | 0.4754% | 3,002 |
| Net interest margin | 4.0569% | 1,543 |
| Noninterest income to average assets | 0.6447% | 2,056 |
| Noninterest expense to average assets | 3.2916% | 1,364 |
| Loan and lease loss provision to assets | 0.2250% | 700 |
| Net operating income to assets | 0.7843% | 3,776 |
| Return on assets (ROA) | 0.7843% | 3,773 |
| Pretax return on assets | 0.9763% | 3,615 |
| Return on Equity (ROE) | 8.1943% | 3,299 |
| Retained earnings to average equity (ytd only) | 8.1943% | 1,770 |
| Net charge-offs to loans | -0.0087% | 4,195 |
| Credit loss provision to net charge-offs | -3,062.5000% | 4,377 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2625% | 2,005 |
| Assets per employee ($millions) | 4.9386% | 2,555 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4123% | 1,792 |
| Loan loss allowance to noncurrent loans | 625.0588% | 904 |
| Noncurrent assets plus other real estate owned to assets | 0.1934% | 4,113 |
| Noncurrent loans to loans | 0.2259% | 3,965 |
| Net loans and leases to total assets | 84.3818% | 399 |
| Net loans and leases to deposits | 94.8959% | 1,145 |
| Net loans and leases to core deposits | 103.3203% | 1,432 |
| Total domestic deposits to total assets | 88.9204% | 1,134 |
| Equity capital to assets | 9.5061% | 4,084 |
| Core capital (leverage) ratio | 9.8389% | 3,722 |
| Tier 1 risk-based capital ratio | 9.9619% | 5,511 |
| Total risk-based capital ratio | 11.2061% | 5,457 |
| Memoranda: | ||
| Average total assets | $435,534,500 | 1,606 |
| Average earning assets | $413,128,000 | 1,573 |
| Average equity | $41,687,500 | 1,808 |
| Average total loans | $367,381,500 | 1,350 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3084% | 2,296 |
| Cost of funding earning assets | 0.3872% | 3,367 |
| Net interest margin | 3.9212% | 2,027 |
| Noninterest income to average assets | 0.7275% | 1,853 |
| Noninterest expense to average assets | 3.2395% | 1,531 |
| Loan and lease loss provision to assets | 0.1915% | 1,095 |
| Net operating income to assets | 0.5176% | 4,335 |
| Return on assets (ROA) | 0.5178% | 4,371 |
| Pretax return on assets | 1.0029% | 3,556 |
| Return on Equity (ROE) | 5.3022% | 4,040 |
| Retained earnings to average equity (ytd only) | 5.3022% | 1,930 |
| Net charge-offs to loans | -0.0156% | 4,887 |
| Credit loss provision to net charge-offs | -1,503.7736% | 5,125 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0667% | 2,051 |
| Assets per employee ($millions) | 4.7948% | 2,741 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4112% | 1,721 |
| Loan loss allowance to noncurrent loans | 582.9493% | 966 |
| Noncurrent assets plus other real estate owned to assets | 0.2011% | 4,136 |
| Noncurrent loans to loans | 0.2421% | 3,934 |
| Net loans and leases to total assets | 81.9176% | 692 |
| Net loans and leases to deposits | 91.2560% | 1,619 |
| Net loans and leases to core deposits | 98.7816% | 1,807 |
| Total domestic deposits to total assets | 89.7669% | 651 |
| Equity capital to assets | 9.6382% | 4,101 |
| Core capital (leverage) ratio | 9.5354% | 3,997 |
| Tier 1 risk-based capital ratio | 10.6937% | 5,300 |
| Total risk-based capital ratio | 11.9443% | 5,191 |
| Memoranda: | ||
| Average total assets | $416,208,200 | 1,650 |
| Average earning assets | $393,374,400 | 1,620 |
| Average equity | $40,643,800 | 1,829 |
| Average total loans | $340,291,200 | 1,408 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2318% | 2,513 |
| Cost of funding earning assets | 0.3772% | 3,403 |
| Net interest margin | 3.8545% | 2,203 |
| Noninterest income to average assets | 0.7420% | 1,822 |
| Noninterest expense to average assets | 3.1795% | 1,604 |
| Loan and lease loss provision to assets | 0.2237% | 828 |
| Net operating income to assets | 0.6726% | 4,110 |
| Return on assets (ROA) | 0.6728% | 4,166 |
| Pretax return on assets | 0.9797% | 3,767 |
| Return on Equity (ROE) | 6.8667% | 3,738 |
| Retained earnings to average equity (ytd only) | 6.8667% | 1,764 |
| Net charge-offs to loans | -0.0191% | 4,836 |
| Credit loss provision to net charge-offs | -1,441.6667% | 5,009 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5489% | 2,129 |
| Assets per employee ($millions) | 4.7489% | 2,768 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4048% | 1,865 |
| Loan loss allowance to noncurrent loans | 1,309.5238% | 489 |
| Noncurrent assets plus other real estate owned to assets | 0.0875% | 4,802 |
| Noncurrent loans to loans | 0.1073% | 4,630 |
| Net loans and leases to total assets | 80.3918% | 926 |
| Net loans and leases to deposits | 89.3869% | 1,885 |
| Net loans and leases to core deposits | 94.2661% | 2,251 |
| Total domestic deposits to total assets | 89.9369% | 496 |
| Equity capital to assets | 9.6425% | 4,303 |
| Core capital (leverage) ratio | 9.8906% | 3,709 |
| Tier 1 risk-based capital ratio | 11.2237% | 5,122 |
| Total risk-based capital ratio | 12.4748% | 5,021 |
| Memoranda: | ||
| Average total assets | $412,377,500 | 1,675 |
| Average earning assets | $389,486,750 | 1,645 |
| Average equity | $40,406,750 | 1,857 |
| Average total loans | $335,724,000 | 1,433 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1320% | 2,727 |
| Cost of funding earning assets | 0.3637% | 3,441 |
| Net interest margin | 3.7684% | 2,418 |
| Noninterest income to average assets | 0.7354% | 1,834 |
| Noninterest expense to average assets | 3.1987% | 1,584 |
| Loan and lease loss provision to assets | 0.2671% | 606 |
| Net operating income to assets | 0.5712% | 4,424 |
| Return on assets (ROA) | 0.5712% | 4,481 |
| Pretax return on assets | 0.8241% | 4,187 |
| Return on Equity (ROE) | 5.7971% | 4,133 |
| Retained earnings to average equity (ytd only) | 5.7971% | 2,232 |
| Net charge-offs to loans | -0.0164% | 4,698 |
| Credit loss provision to net charge-offs | -2,007.4074% | 4,962 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5634% | 1,915 |
| Assets per employee ($millions) | 4.6517% | 2,860 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3601% | 2,116 |
| Loan loss allowance to noncurrent loans | 1,264.2857% | 487 |
| Noncurrent assets plus other real estate owned to assets | 0.0913% | 4,823 |
| Noncurrent loans to loans | 0.1076% | 4,694 |
| Net loans and leases to total assets | 83.7191% | 476 |
| Net loans and leases to deposits | 98.4488% | 851 |
| Net loans and leases to core deposits | 104.8381% | 1,303 |
| Total domestic deposits to total assets | 85.0382% | 2,788 |
| Equity capital to assets | 9.8539% | 4,083 |
| Core capital (leverage) ratio | 10.0129% | 3,522 |
| Tier 1 risk-based capital ratio | 10.8587% | 5,323 |
| Total risk-based capital ratio | 12.1089% | 5,244 |
| Memoranda: | ||
| Average total assets | $405,786,330 | 1,692 |
| Average earning assets | $382,765,670 | 1,674 |
| Average equity | $39,985,670 | 1,872 |
| Average total loans | $330,177,330 | 1,455 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0077% | 3,011 |
| Cost of funding earning assets | 0.3466% | 3,572 |
| Net interest margin | 3.6611% | 2,647 |
| Noninterest income to average assets | 0.7080% | 1,927 |
| Noninterest expense to average assets | 3.2006% | 1,609 |
| Loan and lease loss provision to assets | 0.3097% | 420 |
| Net operating income to assets | 0.4621% | 4,732 |
| Return on assets (ROA) | 0.4621% | 4,755 |
| Pretax return on assets | 0.6483% | 4,604 |
| Return on Equity (ROE) | 4.6891% | 4,519 |
| Retained earnings to average equity (ytd only) | 4.6891% | 3,060 |
| Net charge-offs to loans | -0.0200% | 4,744 |
| Credit loss provision to net charge-offs | -1,943.7500% | 4,575 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.9636% | 1,762 |
| Assets per employee ($millions) | 4.7422% | 2,778 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3629% | 2,245 |
| Loan loss allowance to noncurrent loans | 1,200.2646% | 523 |
| Noncurrent assets plus other real estate owned to assets | 0.0927% | 4,901 |
| Noncurrent loans to loans | 0.1135% | 4,741 |
| Net loans and leases to total assets | 80.5152% | 765 |
| Net loans and leases to deposits | 90.8881% | 1,439 |
| Net loans and leases to core deposits | 96.9638% | 1,750 |
| Total domestic deposits to total assets | 88.5872% | 1,382 |
| Equity capital to assets | 9.7663% | 4,006 |
| Core capital (leverage) ratio | 9.9285% | 3,590 |
| Tier 1 risk-based capital ratio | 11.3326% | 5,125 |
| Total risk-based capital ratio | 12.5831% | 5,030 |
| Memoranda: | ||
| Average total assets | $401,679,500 | 1,725 |
| Average earning assets | $378,572,500 | 1,694 |
| Average equity | $39,581,000 | 1,886 |
| Average total loans | $319,578,000 | 1,501 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9082% | 3,544 |
| Cost of funding earning assets | 0.3177% | 3,870 |
| Net interest margin | 3.5904% | 3,104 |
| Noninterest income to average assets | 0.7721% | 1,872 |
| Noninterest expense to average assets | 3.1752% | 1,854 |
| Loan and lease loss provision to assets | 0.2032% | 1,123 |
| Net operating income to assets | 0.5505% | 4,435 |
| Return on assets (ROA) | 0.5505% | 4,534 |
| Pretax return on assets | 0.8062% | 4,169 |
| Return on Equity (ROE) | 5.2369% | 4,305 |
| Retained earnings to average equity (ytd only) | 5.2369% | 2,177 |
| Net charge-offs to loans | -0.0270% | 5,203 |
| Credit loss provision to net charge-offs | -967.5325% | 5,288 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8785% | 1,998 |
| Assets per employee ($millions) | 4.6533% | 2,871 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3747% | 2,200 |
| Loan loss allowance to noncurrent loans | 1,113.7566% | 558 |
| Noncurrent assets plus other real estate owned to assets | 0.0956% | 4,944 |
| Noncurrent loans to loans | 0.1234% | 4,743 |
| Net loans and leases to total assets | 76.3645% | 1,460 |
| Net loans and leases to deposits | 86.6011% | 2,093 |
| Net loans and leases to core deposits | 93.0700% | 2,203 |
| Total domestic deposits to total assets | 88.1796% | 1,544 |
| Equity capital to assets | 9.9442% | 3,774 |
| Core capital (leverage) ratio | 10.1553% | 3,295 |
| Tier 1 risk-based capital ratio | 12.0557% | 4,691 |
| Total risk-based capital ratio | 13.3061% | 4,572 |
| Memoranda: | ||
| Average total assets | $366,555,200 | 1,825 |
| Average earning assets | $348,397,800 | 1,783 |
| Average equity | $38,534,400 | 1,909 |
| Average total loans | $284,846,400 | 1,594 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8960% | 3,599 |
| Cost of funding earning assets | 0.3133% | 3,938 |
| Net interest margin | 3.5827% | 3,150 |
| Noninterest income to average assets | 0.7607% | 1,925 |
| Noninterest expense to average assets | 3.2090% | 1,752 |
| Loan and lease loss provision to assets | 0.2523% | 744 |
| Net operating income to assets | 0.4880% | 4,737 |
| Return on assets (ROA) | 0.4880% | 4,829 |
| Pretax return on assets | 0.7158% | 4,566 |
| Return on Equity (ROE) | 4.5736% | 4,685 |
| Retained earnings to average equity (ytd only) | 4.5736% | 3,095 |
| Net charge-offs to loans | -0.0291% | 5,154 |
| Credit loss provision to net charge-offs | -1,114.7541% | 5,235 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8233% | 1,857 |
| Assets per employee ($millions) | 4.4268% | 3,201 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3633% | 2,371 |
| Loan loss allowance to noncurrent loans | 1,083.7270% | 544 |
| Noncurrent assets plus other real estate owned to assets | 0.1001% | 5,035 |
| Noncurrent loans to loans | 0.1258% | 4,838 |
| Net loans and leases to total assets | 78.4722% | 1,125 |
| Net loans and leases to deposits | 89.3116% | 1,840 |
| Net loans and leases to core deposits | 94.6943% | 2,131 |
| Total domestic deposits to total assets | 87.8634% | 1,471 |
| Equity capital to assets | 10.3142% | 3,786 |
| Core capital (leverage) ratio | 10.6326% | 2,847 |
| Tier 1 risk-based capital ratio | 11.9955% | 4,789 |
| Total risk-based capital ratio | 13.2455% | 4,693 |
| Memoranda: | ||
| Average total assets | $359,312,000 | 1,863 |
| Average earning assets | $342,633,250 | 1,817 |
| Average equity | $38,335,000 | 1,920 |
| Average total loans | $279,494,750 | 1,617 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8082% | 3,927 |
| Cost of funding earning assets | 0.3152% | 3,959 |
| Net interest margin | 3.4930% | 3,510 |
| Noninterest income to average assets | 0.7456% | 1,948 |
| Noninterest expense to average assets | 3.2177% | 1,770 |
| Loan and lease loss provision to assets | 0.2953% | 616 |
| Net operating income to assets | 0.3879% | 5,073 |
| Return on assets (ROA) | 0.3879% | 5,150 |
| Pretax return on assets | 0.5622% | 4,993 |
| Return on Equity (ROE) | 3.5924% | 5,057 |
| Retained earnings to average equity (ytd only) | 3.5924% | 3,604 |
| Net charge-offs to loans | -0.0383% | 5,248 |
| Credit loss provision to net charge-offs | -1,000.0000% | 5,082 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.9576% | 1,645 |
| Assets per employee ($millions) | 4.2763% | 3,414 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3175% | 2,691 |
| Loan loss allowance to noncurrent loans | 20,842.1053% | 30 |
| Noncurrent assets plus other real estate owned to assets | 0.0394% | 5,421 |
| Noncurrent loans to loans | 0.0063% | 5,490 |
| Net loans and leases to total assets | 83.5685% | 454 |
| Net loans and leases to deposits | 99.1271% | 772 |
| Net loans and leases to core deposits | 103.8332% | 1,331 |
| Total domestic deposits to total assets | 84.3045% | 3,156 |
| Equity capital to assets | 10.8641% | 3,217 |
| Core capital (leverage) ratio | 11.0212% | 2,412 |
| Tier 1 risk-based capital ratio | 11.8136% | 4,965 |
| Total risk-based capital ratio | 13.0384% | 4,861 |
| Memoranda: | ||
| Average total assets | $352,180,330 | 1,902 |
| Average earning assets | $335,698,330 | 1,851 |
| Average equity | $38,024,330 | 1,940 |
| Average total loans | $271,700,330 | 1,660 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6026% | 4,606 |
| Cost of funding earning assets | 0.3165% | 3,989 |
| Net interest margin | 3.2861% | 4,278 |
| Noninterest income to average assets | 0.7047% | 2,020 |
| Noninterest expense to average assets | 3.1573% | 1,936 |
| Loan and lease loss provision to assets | 0.2417% | 745 |
| Net operating income to assets | 0.3090% | 5,275 |
| Return on assets (ROA) | 0.3090% | 5,360 |
| Pretax return on assets | 0.4424% | 5,223 |
| Return on Equity (ROE) | 2.8710% | 5,281 |
| Retained earnings to average equity (ytd only) | 2.8710% | 4,080 |
| Net charge-offs to loans | -0.0420% | 5,243 |
| Credit loss provision to net charge-offs | -785.1852% | 4,693 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.1906% | 1,355 |
| Assets per employee ($millions) | 4.3606% | 3,307 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3596% | 2,612 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 73.5931% | 1,799 |
| Net loans and leases to deposits | 84.0652% | 2,298 |
| Net loans and leases to core deposits | 88.1629% | 2,547 |
| Total domestic deposits to total assets | 87.5428% | 1,902 |
| Equity capital to assets | 10.6273% | 3,337 |
| Core capital (leverage) ratio | 11.0002% | 2,407 |
| Tier 1 risk-based capital ratio | 13.1369% | 4,173 |
| Total risk-based capital ratio | 14.3874% | 4,094 |
| Memoranda: | ||
| Average total assets | $350,806,000 | 1,908 |
| Average earning assets | $334,867,000 | 1,855 |
| Average equity | $37,756,500 | 1,950 |
| Average total loans | $257,266,000 | 1,749 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9503% | 3,526 |
| Cost of funding earning assets | 0.3339% | 3,861 |
| Net interest margin | 3.6164% | 3,070 |
| Noninterest income to average assets | 0.7939% | 1,811 |
| Noninterest expense to average assets | 3.4788% | 1,334 |
| Loan and lease loss provision to assets | 0.2856% | 625 |
| Net operating income to assets | 1.0583% | 2,090 |
| Return on assets (ROA) | 1.0703% | 2,113 |
| Pretax return on assets | 0.4857% | 5,141 |
| Return on Equity (ROE) | 10.5395% | 1,788 |
| Retained earnings to average equity (ytd only) | 10.5395% | 390 |
| Net charge-offs to loans | -0.1136% | 5,813 |
| Credit loss provision to net charge-offs | -318.5039% | 5,357 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.0840% | 1,401 |
| Assets per employee ($millions) | 4.1451% | 3,670 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3675% | 2,569 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0558% | 5,442 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 71.0292% | 2,191 |
| Net loans and leases to deposits | 81.7754% | 2,619 |
| Net loans and leases to core deposits | 86.3596% | 2,771 |
| Total domestic deposits to total assets | 86.8589% | 2,213 |
| Equity capital to assets | 10.9036% | 2,931 |
| Core capital (leverage) ratio | 11.2334% | 2,174 |
| Tier 1 risk-based capital ratio | 13.8179% | 3,818 |
| Total risk-based capital ratio | 15.0690% | 3,744 |
| Memoranda: | ||
| Average total assets | $283,286,800 | 2,245 |
| Average earning assets | $269,801,600 | 2,204 |
| Average equity | $28,768,000 | 2,404 |
| Average total loans | $223,573,600 | 1,900 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0327% | 3,195 |
| Cost of funding earning assets | 0.3348% | 3,922 |
| Net interest margin | 3.6979% | 2,781 |
| Noninterest income to average assets | 0.7768% | 1,897 |
| Noninterest expense to average assets | 3.5230% | 1,246 |
| Loan and lease loss provision to assets | 0.3526% | 379 |
| Net operating income to assets | 0.4217% | 5,080 |
| Return on assets (ROA) | 0.4386% | 5,108 |
| Pretax return on assets | 0.4386% | 5,377 |
| Return on Equity (ROE) | 4.4240% | 4,860 |
| Retained earnings to average equity (ytd only) | 4.4240% | 3,319 |
| Net charge-offs to loans | -0.1563% | 5,929 |
| Credit loss provision to net charge-offs | -278.0392% | 5,250 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.9813% | 1,398 |
| Assets per employee ($millions) | 3.9510% | 3,975 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3578% | 2,801 |
| Loan loss allowance to noncurrent loans | 5,060.0000% | 159 |
| Noncurrent assets plus other real estate owned to assets | 0.0823% | 5,423 |
| Noncurrent loans to loans | 0.0268% | 5,524 |
| Net loans and leases to total assets | 76.5531% | 1,309 |
| Net loans and leases to deposits | 87.4874% | 1,972 |
| Net loans and leases to core deposits | 91.5038% | 2,314 |
| Total domestic deposits to total assets | 87.5019% | 1,802 |
| Equity capital to assets | 10.4573% | 3,644 |
| Core capital (leverage) ratio | 11.1116% | 2,382 |
| Tier 1 risk-based capital ratio | 12.7203% | 4,601 |
| Total risk-based capital ratio | 13.9707% | 4,508 |
| Memoranda: | ||
| Average total assets | $268,097,750 | 2,372 |
| Average earning assets | $255,237,750 | 2,314 |
| Average equity | $26,581,750 | 2,599 |
| Average total loans | $217,527,250 | 1,947 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1385% | 2,761 |
| Cost of funding earning assets | 0.3373% | 3,954 |
| Net interest margin | 3.8012% | 2,303 |
| Noninterest income to average assets | 0.7600% | 1,952 |
| Noninterest expense to average assets | 3.5546% | 1,206 |
| Loan and lease loss provision to assets | 0.3544% | 372 |
| Net operating income to assets | 0.4704% | 4,889 |
| Return on assets (ROA) | 0.4869% | 4,926 |
| Pretax return on assets | 0.4869% | 5,264 |
| Return on Equity (ROE) | 5.0240% | 4,605 |
| Retained earnings to average equity (ytd only) | 5.0240% | 2,847 |
| Net charge-offs to loans | -0.2236% | 6,052 |
| Credit loss provision to net charge-offs | -191.8803% | 5,027 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.1678% | 1,599 |
| Assets per employee ($millions) | 3.6447% | 4,547 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3547% | 2,965 |
| Loan loss allowance to noncurrent loans | 4,700.0000% | 138 |
| Noncurrent assets plus other real estate owned to assets | 0.0949% | 5,483 |
| Noncurrent loans to loans | 0.0288% | 5,641 |
| Net loans and leases to total assets | 81.2111% | 642 |
| Net loans and leases to deposits | 94.8244% | 1,066 |
| Net loans and leases to core deposits | 100.4227% | 1,458 |
| Total domestic deposits to total assets | 85.6437% | 2,859 |
| Equity capital to assets | 11.9300% | 2,080 |
| Core capital (leverage) ratio | 12.8427% | 1,237 |
| Tier 1 risk-based capital ratio | 14.0067% | 3,916 |
| Total risk-based capital ratio | 15.2577% | 3,856 |
| Memoranda: | ||
| Average total assets | $253,421,330 | 2,520 |
| Average earning assets | $241,294,670 | 2,450 |
| Average equity | $24,562,330 | 2,762 |
| Average total loans | $209,292,330 | 2,017 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0638% | 2,977 |
| Cost of funding earning assets | 0.3445% | 3,934 |
| Net interest margin | 3.7193% | 2,561 |
| Noninterest income to average assets | 0.8170% | 1,649 |
| Noninterest expense to average assets | 3.5682% | 1,180 |
| Loan and lease loss provision to assets | 0.4680% | 228 |
| Net operating income to assets | 0.3196% | 5,341 |
| Return on assets (ROA) | 0.3539% | 5,355 |
| Pretax return on assets | 0.3539% | 5,531 |
| Return on Equity (ROE) | 4.1820% | 4,897 |
| Retained earnings to average equity (ytd only) | 4.1820% | 3,497 |
| Net charge-offs to loans | -0.4494% | 6,221 |
| Credit loss provision to net charge-offs | -125.8772% | 4,533 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.9169% | 1,632 |
| Assets per employee ($millions) | 3.8762% | 4,206 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3540% | 3,129 |
| Loan loss allowance to noncurrent loans | 14,200.0000% | 52 |
| Noncurrent assets plus other real estate owned to assets | 0.0868% | 5,591 |
| Noncurrent loans to loans | 0.0095% | 5,768 |
| Net loans and leases to total assets | 84.7285% | 267 |
| Net loans and leases to deposits | 95.4725% | 869 |
| Net loans and leases to core deposits | 101.7752% | 1,194 |
| Total domestic deposits to total assets | 88.7465% | 1,422 |
| Equity capital to assets | 8.5852% | 5,675 |
| Core capital (leverage) ratio | 8.5635% | 5,460 |
| Tier 1 risk-based capital ratio | 9.5601% | 6,265 |
| Total risk-based capital ratio | 10.8109% | 6,241 |
| Memoranda: | ||
| Average total assets | $245,278,500 | 2,594 |
| Average earning assets | $233,377,500 | 2,528 |
| Average equity | $20,755,500 | 3,158 |
| Average total loans | $202,918,500 | 2,067 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0518% | 3,517 |
| Cost of funding earning assets | 0.3680% | 4,059 |
| Net interest margin | 3.6838% | 3,067 |
| Noninterest income to average assets | 0.8027% | 1,865 |
| Noninterest expense to average assets | 3.8254% | 953 |
| Loan and lease loss provision to assets | 0.2431% | 960 |
| Net operating income to assets | 0.2094% | 5,745 |
| Return on assets (ROA) | 0.2121% | 5,803 |
| Pretax return on assets | 0.2121% | 5,853 |
| Return on Equity (ROE) | 2.4455% | 5,648 |
| Retained earnings to average equity (ytd only) | 2.4455% | 4,489 |
| Net charge-offs to loans | -0.0210% | 5,705 |
| Credit loss provision to net charge-offs | -1,464.8649% | 5,951 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.8936% | 1,301 |
| Assets per employee ($millions) | 3.9104% | 4,141 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1857% | 4,095 |
| Loan loss allowance to noncurrent loans | 11,625.0000% | 77 |
| Noncurrent assets plus other real estate owned to assets | 0.0861% | 5,687 |
| Noncurrent loans to loans | 0.0102% | 5,877 |
| Net loans and leases to total assets | 78.6521% | 925 |
| Net loans and leases to deposits | 88.3658% | 1,696 |
| Net loans and leases to core deposits | 94.2992% | 1,889 |
| Total domestic deposits to total assets | 89.0074% | 1,229 |
| Equity capital to assets | 8.3399% | 5,871 |
| Core capital (leverage) ratio | 8.5205% | 5,541 |
| Tier 1 risk-based capital ratio | 10.1412% | 6,219 |
| Total risk-based capital ratio | 11.2862% | 6,199 |
| Memoranda: | ||
| Average total assets | $222,984,600 | 2,752 |
| Average earning assets | $210,350,800 | 2,705 |
| Average equity | $19,341,400 | 3,242 |
| Average total loans | $176,001,200 | 2,271 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0656% | 3,504 |
| Cost of funding earning assets | 0.3720% | 4,109 |
| Net interest margin | 3.6936% | 3,046 |
| Noninterest income to average assets | 0.8283% | 1,785 |
| Noninterest expense to average assets | 3.8677% | 888 |
| Loan and lease loss provision to assets | 0.2131% | 1,080 |
| Net operating income to assets | 0.2229% | 5,802 |
| Return on assets (ROA) | 0.2229% | 5,850 |
| Pretax return on assets | 0.2229% | 5,914 |
| Return on Equity (ROE) | 2.5419% | 5,695 |
| Retained earnings to average equity (ytd only) | 2.5419% | 4,778 |
| Net charge-offs to loans | -0.0164% | 5,557 |
| Credit loss provision to net charge-offs | -1,652.3810% | 5,945 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.6042% | 1,222 |
| Assets per employee ($millions) | 3.6247% | 4,625 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1498% | 4,501 |
| Loan loss allowance to noncurrent loans | 6,217.6471% | 112 |
| Noncurrent assets plus other real estate owned to assets | 0.0147% | 6,122 |
| Noncurrent loans to loans | 0.0185% | 5,959 |
| Net loans and leases to total assets | 78.3411% | 921 |
| Net loans and leases to deposits | 88.1030% | 1,661 |
| Net loans and leases to core deposits | 92.4678% | 1,996 |
| Total domestic deposits to total assets | 88.9199% | 1,287 |
| Equity capital to assets | 8.3032% | 5,936 |
| Core capital (leverage) ratio | 8.5838% | 5,565 |
| Tier 1 risk-based capital ratio | 10.0625% | 6,330 |
| Total risk-based capital ratio | 11.1620% | 6,335 |
| Memoranda: | ||
| Average total assets | $217,141,500 | 2,837 |
| Average earning assets | $204,313,000 | 2,781 |
| Average equity | $19,040,250 | 3,297 |
| Average total loans | $170,979,000 | 2,333 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1066% | 3,311 |
| Cost of funding earning assets | 0.3756% | 4,157 |
| Net interest margin | 3.7310% | 2,837 |
| Noninterest income to average assets | 0.8700% | 1,593 |
| Noninterest expense to average assets | 3.8870% | 865 |
| Loan and lease loss provision to assets | 0.1725% | 1,421 |
| Net operating income to assets | 0.3120% | 5,530 |
| Return on assets (ROA) | 0.3120% | 5,603 |
| Pretax return on assets | 0.3120% | 5,763 |
| Return on Equity (ROE) | 3.4904% | 5,353 |
| Retained earnings to average equity (ytd only) | 3.4904% | 3,983 |
| Net charge-offs to loans | -0.0312% | 5,700 |
| Credit loss provision to net charge-offs | -703.8462% | 5,656 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.6270% | 1,431 |
| Assets per employee ($millions) | 3.4045% | 5,049 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1328% | 4,747 |
| Loan loss allowance to noncurrent loans | 6,109.3750% | 114 |
| Noncurrent assets plus other real estate owned to assets | 0.0142% | 6,201 |
| Noncurrent loans to loans | 0.0185% | 6,020 |
| Net loans and leases to total assets | 75.9339% | 1,177 |
| Net loans and leases to deposits | 85.7309% | 1,848 |
| Net loans and leases to core deposits | 89.4689% | 2,174 |
| Total domestic deposits to total assets | 88.5725% | 1,598 |
| Equity capital to assets | 8.5632% | 5,749 |
| Core capital (leverage) ratio | 8.8892% | 5,179 |
| Tier 1 risk-based capital ratio | 10.7915% | 6,132 |
| Total risk-based capital ratio | 11.8894% | 6,149 |
| Memoranda: | ||
| Average total assets | $212,194,330 | 2,891 |
| Average earning assets | $199,142,000 | 2,842 |
| Average equity | $18,966,330 | 3,293 |
| Average total loans | $166,688,000 | 2,375 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1223% | 3,193 |
| Cost of funding earning assets | 0.3725% | 4,284 |
| Net interest margin | 3.7498% | 2,679 |
| Noninterest income to average assets | 1.1187% | 891 |
| Noninterest expense to average assets | 3.9078% | 854 |
| Loan and lease loss provision to assets | 0.1942% | 1,209 |
| Net operating income to assets | 0.5361% | 4,524 |
| Return on assets (ROA) | 0.5361% | 4,598 |
| Pretax return on assets | 0.5361% | 5,061 |
| Return on Equity (ROE) | 5.8633% | 4,094 |
| Retained earnings to average equity (ytd only) | 5.8633% | 2,615 |
| Net charge-offs to loans | -0.0122% | 5,127 |
| Credit loss provision to net charge-offs | -2,000.0000% | 5,465 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.0670% | 2,197 |
| Assets per employee ($millions) | 3.3318% | 5,288 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1121% | 5,069 |
| Loan loss allowance to noncurrent loans | 4,627.5000% | 143 |
| Noncurrent assets plus other real estate owned to assets | 0.0188% | 6,253 |
| Noncurrent loans to loans | 0.0240% | 6,085 |
| Net loans and leases to total assets | 77.1858% | 858 |
| Net loans and leases to deposits | 87.5976% | 1,406 |
| Net loans and leases to core deposits | 92.0602% | 1,725 |
| Total domestic deposits to total assets | 88.1141% | 2,167 |
| Equity capital to assets | 8.9178% | 5,206 |
| Core capital (leverage) ratio | 9.3666% | 4,483 |
| Tier 1 risk-based capital ratio | 11.0483% | 6,136 |
| Total risk-based capital ratio | 12.1211% | 6,157 |
| Memoranda: | ||
| Average total assets | $205,944,500 | 2,986 |
| Average earning assets | $193,290,000 | 2,927 |
| Average equity | $18,829,000 | 3,305 |
| Average total loans | $163,745,000 | 2,411 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3120% | 2,913 |
| Cost of funding earning assets | 0.4021% | 4,630 |
| Net interest margin | 3.9100% | 2,255 |
| Noninterest income to average assets | 0.8232% | 1,969 |
| Noninterest expense to average assets | 4.6504% | 460 |
| Loan and lease loss provision to assets | 0.3813% | 804 |
| Net operating income to assets | -0.6141% | 6,527 |
| Return on assets (ROA) | -0.6106% | 6,531 |
| Pretax return on assets | -0.5927% | 6,507 |
| Return on Equity (ROE) | -6.2584% | 6,515 |
| Retained earnings to average equity (ytd only) | -6.2584% | 6,423 |
| Net charge-offs to loans | 0.1112% | 3,714 |
| Credit loss provision to net charge-offs | 425.8065% | 539 |
| Earnings coverage of net charge-offs (x) | -2.4000% | 5,337 |
| Efficiency ratio | 99.6483% | 487 |
| Assets per employee ($millions) | 2.9650% | 5,885 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0841% | 5,226 |
| Loan loss allowance to noncurrent loans | 3,563.2653% | 179 |
| Noncurrent assets plus other real estate owned to assets | 0.0247% | 6,325 |
| Noncurrent loans to loans | 0.0304% | 6,162 |
| Net loans and leases to total assets | 80.1926% | 576 |
| Net loans and leases to deposits | 91.7719% | 1,083 |
| Net loans and leases to core deposits | 96.2551% | 1,433 |
| Total domestic deposits to total assets | 87.3825% | 2,534 |
| Equity capital to assets | 9.3842% | 4,564 |
| Core capital (leverage) ratio | 9.5803% | 4,138 |
| Tier 1 risk-based capital ratio | 11.8220% | 5,725 |
| Total risk-based capital ratio | 12.9267% | 5,747 |
| Memoranda: | ||
| Average total assets | $173,103,400 | 3,364 |
| Average earning assets | $159,925,000 | 3,344 |
| Average equity | $16,889,400 | 3,576 |
| Average total loans | $139,330,400 | 2,713 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4917% | 2,267 |
| Cost of funding earning assets | 0.4026% | 4,797 |
| Net interest margin | 4.0891% | 1,665 |
| Noninterest income to average assets | 0.9197% | 1,693 |
| Noninterest expense to average assets | 4.7873% | 402 |
| Loan and lease loss provision to assets | 0.3983% | 762 |
| Net operating income to assets | -0.6142% | 6,628 |
| Return on assets (ROA) | -0.6094% | 6,641 |
| Pretax return on assets | -0.4998% | 6,598 |
| Return on Equity (ROE) | -6.1756% | 6,627 |
| Retained earnings to average equity (ytd only) | -6.1756% | 6,541 |
| Net charge-offs to loans | -0.0558% | 6,347 |
| Credit loss provision to net charge-offs | -889.2857% | 6,165 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.1638% | 563 |
| Assets per employee ($millions) | 2.8747% | 6,045 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2192% | 4,786 |
| Loan loss allowance to noncurrent loans | 944.7368% | 497 |
| Noncurrent assets plus other real estate owned to assets | 0.1017% | 6,132 |
| Noncurrent loans to loans | 0.1290% | 5,930 |
| Net loans and leases to total assets | 77.8327% | 766 |
| Net loans and leases to deposits | 89.0622% | 1,260 |
| Net loans and leases to core deposits | 93.9484% | 1,581 |
| Total domestic deposits to total assets | 87.3914% | 2,465 |
| Equity capital to assets | 9.2082% | 4,928 |
| Core capital (leverage) ratio | 9.5886% | 4,267 |
| Tier 1 risk-based capital ratio | 11.0620% | 6,252 |
| Total risk-based capital ratio | 12.2382% | 6,252 |
| Memoranda: | ||
| Average total assets | $166,716,000 | 3,497 |
| Average earning assets | $153,346,250 | 3,477 |
| Average equity | $16,451,250 | 3,678 |
| Average total loans | $133,900,250 | 2,809 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5304% | 2,086 |
| Cost of funding earning assets | 0.4050% | 4,893 |
| Net interest margin | 4.1254% | 1,478 |
| Noninterest income to average assets | 0.9125% | 1,774 |
| Noninterest expense to average assets | 4.9437% | 368 |
| Loan and lease loss provision to assets | 0.3050% | 1,174 |
| Net operating income to assets | -0.7100% | 6,695 |
| Return on assets (ROA) | -0.7025% | 6,707 |
| Pretax return on assets | -0.5475% | 6,648 |
| Return on Equity (ROE) | -6.9384% | 6,684 |
| Retained earnings to average equity (ytd only) | -6.9384% | 6,565 |
| Net charge-offs to loans | -0.0201% | 5,973 |
| Credit loss provision to net charge-offs | -1,876.9231% | 6,130 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.0266% | 482 |
| Assets per employee ($millions) | 2.5530% | 6,447 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0788% | 5,526 |
| Loan loss allowance to noncurrent loans | 3,566.6667% | 183 |
| Noncurrent assets plus other real estate owned to assets | 0.0249% | 6,461 |
| Noncurrent loans to loans | 0.0302% | 6,318 |
| Net loans and leases to total assets | 81.5183% | 389 |
| Net loans and leases to deposits | 94.9286% | 742 |
| Net loans and leases to core deposits | 98.2216% | 1,193 |
| Total domestic deposits to total assets | 85.8733% | 3,436 |
| Equity capital to assets | 10.3451% | 3,497 |
| Core capital (leverage) ratio | 10.3235% | 3,074 |
| Tier 1 risk-based capital ratio | 11.8654% | 5,867 |
| Total risk-based capital ratio | 12.9122% | 5,971 |
| Memoranda: | ||
| Average total assets | $160,002,670 | 3,611 |
| Average earning assets | $146,652,330 | 3,618 |
| Average equity | $16,199,670 | 3,739 |
| Average total loans | $129,457,000 | 2,890 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5472% | 1,999 |
| Cost of funding earning assets | 0.4108% | 4,999 |
| Net interest margin | 4.1363% | 1,359 |
| Noninterest income to average assets | 1.0786% | 1,274 |
| Noninterest expense to average assets | 5.1003% | 345 |
| Loan and lease loss provision to assets | 0.2619% | 1,359 |
| Net operating income to assets | -0.5342% | 6,691 |
| Return on assets (ROA) | -0.5342% | 6,712 |
| Pretax return on assets | -0.5085% | 6,677 |
| Return on Equity (ROE) | -5.3388% | 6,706 |
| Retained earnings to average equity (ytd only) | -5.3388% | 6,386 |
| Net charge-offs to loans | -0.0096% | 5,424 |
| Credit loss provision to net charge-offs | -3,400.0000% | 5,841 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.7884% | 552 |
| Assets per employee ($millions) | 2.5106% | 6,575 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0541% | 5,780 |
| Loan loss allowance to noncurrent loans | 2,206.5574% | 238 |
| Noncurrent assets plus other real estate owned to assets | 0.3410% | 5,571 |
| Noncurrent loans to loans | 0.0478% | 6,341 |
| Net loans and leases to total assets | 78.6291% | 546 |
| Net loans and leases to deposits | 92.6873% | 750 |
| Net loans and leases to core deposits | 97.0264% | 1,141 |
| Total domestic deposits to total assets | 84.8327% | 4,127 |
| Equity capital to assets | 11.2067% | 2,731 |
| Core capital (leverage) ratio | 11.3373% | 1,988 |
| Tier 1 risk-based capital ratio | 12.8857% | 5,309 |
| Total risk-based capital ratio | 13.8920% | 5,432 |
| Memoranda: | ||
| Average total assets | $155,756,000 | 3,712 |
| Average earning assets | $142,154,500 | 3,727 |
| Average equity | $15,584,000 | 3,893 |
| Average total loans | $124,759,000 | 2,997 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0476% | 1,441 |
| Cost of funding earning assets | 0.5628% | 4,707 |
| Net interest margin | 4.4848% | 971 |
| Noninterest income to average assets | 1.0266% | 1,460 |
| Noninterest expense to average assets | 5.8895% | 229 |
| Loan and lease loss provision to assets | 0.3653% | 1,799 |
| Net operating income to assets | -1.1846% | 6,793 |
| Return on assets (ROA) | -1.1391% | 6,795 |
| Pretax return on assets | -1.1309% | 6,767 |
| Return on Equity (ROE) | -10.9148% | 6,746 |
| Retained earnings to average equity (ytd only) | -10.9148% | 6,669 |
| Net charge-offs to loans | 0.4050% | 2,633 |
| Credit loss provision to net charge-offs | 116.6667% | 2,472 |
| Earnings coverage of net charge-offs (x) | -2.5905% | 5,855 |
| Efficiency ratio | 110.1292% | 332 |
| Assets per employee ($millions) | 2.3205% | 6,763 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0186% | 5,901 |
| Loan loss allowance to noncurrent loans | 1,193.2692% | 399 |
| Noncurrent assets plus other real estate owned to assets | 0.3991% | 5,486 |
| Noncurrent loans to loans | 0.0854% | 6,271 |
| Net loans and leases to total assets | 79.9497% | 476 |
| Net loans and leases to deposits | 92.0077% | 908 |
| Net loans and leases to core deposits | 96.8789% | 1,236 |
| Total domestic deposits to total assets | 86.8946% | 2,891 |
| Equity capital to assets | 8.7257% | 5,824 |
| Core capital (leverage) ratio | 8.4194% | 5,732 |
| Tier 1 risk-based capital ratio | 9.2760% | 6,829 |
| Total risk-based capital ratio | 10.2142% | 6,854 |
| Memoranda: | ||
| Average total assets | $134,138,000 | 4,059 |
| Average earning assets | $121,186,000 | 4,087 |
| Average equity | $13,999,400 | 4,158 |
| Average total loans | $103,695,800 | 3,442 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1703% | 1,256 |
| Cost of funding earning assets | 0.6077% | 4,569 |
| Net interest margin | 4.5626% | 881 |
| Noninterest income to average assets | 1.0310% | 1,423 |
| Noninterest expense to average assets | 5.7378% | 238 |
| Loan and lease loss provision to assets | 0.4257% | 1,491 |
| Net operating income to assets | -1.0290% | 6,867 |
| Return on assets (ROA) | -0.9664% | 6,880 |
| Pretax return on assets | -0.9572% | 6,853 |
| Return on Equity (ROE) | -8.8393% | 6,835 |
| Retained earnings to average equity (ytd only) | -8.8393% | 6,779 |
| Net charge-offs to loans | 0.1977% | 3,544 |
| Credit loss provision to net charge-offs | 282.3129% | 959 |
| Earnings coverage of net charge-offs (x) | -3.9387% | 5,692 |
| Efficiency ratio | 105.5844% | 393 |
| Assets per employee ($millions) | 2.1848% | 6,929 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2536% | 5,027 |
| Loan loss allowance to noncurrent loans | 54.2405% | 4,923 |
| Noncurrent assets plus other real estate owned to assets | 1.9498% | 2,714 |
| Noncurrent loans to loans | 2.3112% | 2,493 |
| Net loans and leases to total assets | 79.8147% | 518 |
| Net loans and leases to deposits | 92.9882% | 874 |
| Net loans and leases to core deposits | 96.6515% | 1,362 |
| Total domestic deposits to total assets | 85.8331% | 3,344 |
| Equity capital to assets | 9.6821% | 4,944 |
| Core capital (leverage) ratio | 9.2479% | 4,681 |
| Tier 1 risk-based capital ratio | 10.1674% | 6,762 |
| Total risk-based capital ratio | 11.3144% | 6,758 |
| Memoranda: | ||
| Average total assets | $129,964,750 | 4,190 |
| Average earning assets | $117,153,000 | 4,218 |
| Average equity | $14,209,000 | 4,159 |
| Average total loans | $99,162,250 | 3,584 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1778% | 1,320 |
| Cost of funding earning assets | 0.6258% | 4,669 |
| Net interest margin | 4.5519% | 904 |
| Noninterest income to average assets | 0.8956% | 1,802 |
| Noninterest expense to average assets | 5.8977% | 226 |
| Loan and lease loss provision to assets | 0.2620% | 2,479 |
| Net operating income to assets | -1.2116% | 6,961 |
| Return on assets (ROA) | -1.1147% | 6,956 |
| Pretax return on assets | -1.0671% | 6,913 |
| Return on Equity (ROE) | -9.7758% | 6,904 |
| Retained earnings to average equity (ytd only) | -9.7758% | 6,831 |
| Net charge-offs to loans | 0.3278% | 2,719 |
| Credit loss provision to net charge-offs | 107.1429% | 2,542 |
| Earnings coverage of net charge-offs (x) | -3.6883% | 5,425 |
| Efficiency ratio | 111.7292% | 306 |
| Assets per employee ($millions) | 2.1750% | 6,986 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1339% | 5,627 |
| Loan loss allowance to noncurrent loans | 42.3504% | 5,539 |
| Noncurrent assets plus other real estate owned to assets | 2.1037% | 2,661 |
| Noncurrent loans to loans | 2.6774% | 2,248 |
| Net loans and leases to total assets | 77.6810% | 763 |
| Net loans and leases to deposits | 87.9030% | 1,372 |
| Net loans and leases to core deposits | 94.0072% | 1,603 |
| Total domestic deposits to total assets | 88.3713% | 1,912 |
| Equity capital to assets | 10.5116% | 3,674 |
| Core capital (leverage) ratio | 10.0928% | 3,288 |
| Tier 1 risk-based capital ratio | 11.5133% | 6,207 |
| Total risk-based capital ratio | 12.5685% | 6,307 |
| Memoranda: | ||
| Average total assets | $125,948,330 | 4,294 |
| Average earning assets | $113,446,670 | 4,322 |
| Average equity | $14,362,000 | 4,122 |
| Average total loans | $93,954,000 | 3,711 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2099% | 1,296 |
| Cost of funding earning assets | 0.6499% | 4,738 |
| Net interest margin | 4.5601% | 891 |
| Noninterest income to average assets | 0.8060% | 2,139 |
| Noninterest expense to average assets | 5.6907% | 238 |
| Loan and lease loss provision to assets | 0.0489% | 4,795 |
| Net operating income to assets | -0.9267% | 6,988 |
| Return on assets (ROA) | -0.7276% | 6,946 |
| Pretax return on assets | -0.6363% | 6,881 |
| Return on Equity (ROE) | -6.1222% | 6,893 |
| Retained earnings to average equity (ytd only) | -6.1222% | 6,669 |
| Net charge-offs to loans | 0.3468% | 2,264 |
| Credit loss provision to net charge-offs | 19.4805% | 3,784 |
| Earnings coverage of net charge-offs (x) | -3.1299% | 4,645 |
| Efficiency ratio | 109.3812% | 346 |
| Assets per employee ($millions) | 2.0303% | 7,112 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1851% | 5,564 |
| Loan loss allowance to noncurrent loans | 137.7640% | 2,338 |
| Noncurrent assets plus other real estate owned to assets | 0.6395% | 5,291 |
| Noncurrent loans to loans | 0.8603% | 4,950 |
| Net loans and leases to total assets | 73.4551% | 1,142 |
| Net loans and leases to deposits | 84.0944% | 1,656 |
| Net loans and leases to core deposits | 89.9081% | 1,857 |
| Total domestic deposits to total assets | 87.3484% | 2,747 |
| Equity capital to assets | 11.4640% | 2,469 |
| Core capital (leverage) ratio | 11.1645% | 2,138 |
| Tier 1 risk-based capital ratio | 13.2553% | 5,026 |
| Total risk-based capital ratio | 14.3626% | 5,095 |
| Memoranda: | ||
| Average total assets | $122,586,500 | 4,391 |
| Average earning assets | $110,174,000 | 4,434 |
| Average equity | $14,570,000 | 4,077 |
| Average total loans | $88,809,500 | 3,856 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4480% | 1,304 |
| Cost of funding earning assets | 0.5544% | 6,321 |
| Net interest margin | 4.8936% | 517 |
| Noninterest income to average assets | 0.6154% | 3,086 |
| Noninterest expense to average assets | 4.3432% | 691 |
| Loan and lease loss provision to assets | 1.0874% | 833 |
| Net operating income to assets | -0.3600% | 6,387 |
| Return on assets (ROA) | -0.3600% | 6,434 |
| Pretax return on assets | -0.4086% | 6,423 |
| Return on Equity (ROE) | -3.0866% | 6,420 |
| Retained earnings to average equity (ytd only) | -3.0866% | 6,287 |
| Net charge-offs to loans | 0.1934% | 4,594 |
| Credit loss provision to net charge-offs | 862.7451% | 261 |
| Earnings coverage of net charge-offs (x) | 5.3856% | 2,813 |
| Efficiency ratio | 80.4954% | 2,242 |
| Assets per employee ($millions) | 2.2091% | 7,075 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3933% | 4,492 |
| Loan loss allowance to noncurrent loans | 141.2545% | 2,255 |
| Noncurrent assets plus other real estate owned to assets | 0.6949% | 5,255 |
| Noncurrent loans to loans | 0.9864% | 4,731 |
| Net loans and leases to total assets | 69.4707% | 2,128 |
| Net loans and leases to deposits | 80.2496% | 2,477 |
| Net loans and leases to core deposits | 88.5613% | 2,312 |
| Total domestic deposits to total assets | 86.5683% | 3,000 |
| Equity capital to assets | 12.3302% | 1,891 |
| Core capital (leverage) ratio | 11.3009% | 2,036 |
| Tier 1 risk-based capital ratio | 15.0351% | 3,616 |
| Total risk-based capital ratio | 16.2863% | 3,578 |
| Memoranda: | ||
| Average total assets | $121,385,800 | 4,362 |
| Average earning assets | $109,305,200 | 4,413 |
| Average equity | $14,158,000 | 4,080 |
| Average total loans | $79,099,400 | 4,170 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5553% | 1,128 |
| Cost of funding earning assets | 0.5326% | 6,570 |
| Net interest margin | 5.0227% | 394 |
| Noninterest income to average assets | 0.6114% | 3,097 |
| Noninterest expense to average assets | 3.8782% | 1,189 |
| Loan and lease loss provision to assets | 0.9865% | 876 |
| Net operating income to assets | 0.3172% | 5,333 |
| Return on assets (ROA) | 0.3172% | 5,507 |
| Pretax return on assets | 0.2647% | 5,782 |
| Return on Equity (ROE) | 2.7579% | 5,520 |
| Retained earnings to average equity (ytd only) | 2.7579% | 4,710 |
| Net charge-offs to loans | 0.2551% | 3,839 |
| Credit loss provision to net charge-offs | 605.3691% | 444 |
| Earnings coverage of net charge-offs (x) | 7.6779% | 2,314 |
| Efficiency ratio | 70.8529% | 3,776 |
| Assets per employee ($millions) | 2.6906% | 6,659 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0173% | 6,179 |
| Loan loss allowance to noncurrent loans | 275.2727% | 1,129 |
| Noncurrent assets plus other real estate owned to assets | 0.2271% | 6,490 |
| Noncurrent loans to loans | 0.3696% | 6,116 |
| Net loans and leases to total assets | 60.8348% | 3,979 |
| Net loans and leases to deposits | 70.7662% | 4,172 |
| Net loans and leases to core deposits | 78.7843% | 3,795 |
| Total domestic deposits to total assets | 85.9660% | 3,228 |
| Equity capital to assets | 12.8051% | 1,714 |
| Core capital (leverage) ratio | 11.5425% | 1,995 |
| Tier 1 risk-based capital ratio | 17.3228% | 2,515 |
| Total risk-based capital ratio | 18.2438% | 2,607 |
| Memoranda: | ||
| Average total assets | $121,909,250 | 4,365 |
| Average earning assets | $109,658,750 | 4,429 |
| Average equity | $14,020,250 | 4,119 |
| Average total loans | $77,863,250 | 4,250 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6867% | 897 |
| Cost of funding earning assets | 0.5196% | 6,778 |
| Net interest margin | 5.1670% | 296 |
| Noninterest income to average assets | 0.5418% | 3,541 |
| Noninterest expense to average assets | 3.3637% | 2,358 |
| Loan and lease loss provision to assets | 1.0672% | 783 |
| Net operating income to assets | 0.7988% | 3,085 |
| Return on assets (ROA) | 0.7988% | 3,208 |
| Pretax return on assets | 0.7497% | 4,212 |
| Return on Equity (ROE) | 7.2159% | 3,341 |
| Retained earnings to average equity (ytd only) | 7.2159% | 1,779 |
| Net charge-offs to loans | 0.1974% | 3,966 |
| Credit loss provision to net charge-offs | 835.8974% | 394 |
| Earnings coverage of net charge-offs (x) | 14.2308% | 1,495 |
| Efficiency ratio | 60.5371% | 5,794 |
| Assets per employee ($millions) | 3.0482% | 5,980 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7963% | 6,877 |
| Loan loss allowance to noncurrent loans | 202.0979% | 1,514 |
| Noncurrent assets plus other real estate owned to assets | 0.2346% | 6,543 |
| Noncurrent loans to loans | 0.3940% | 6,115 |
| Net loans and leases to total assets | 59.0578% | 4,459 |
| Net loans and leases to deposits | 68.4884% | 4,638 |
| Net loans and leases to core deposits | 79.8315% | 3,807 |
| Total domestic deposits to total assets | 86.2304% | 3,198 |
| Equity capital to assets | 12.8486% | 1,597 |
| Core capital (leverage) ratio | 11.9278% | 1,640 |
| Tier 1 risk-based capital ratio | 18.2325% | 2,094 |
| Total risk-based capital ratio | 18.9666% | 2,222 |
| Memoranda: | ||
| Average total assets | $122,186,670 | 4,384 |
| Average earning assets | $109,695,330 | 4,456 |
| Average equity | $13,525,670 | 4,217 |
| Average total loans | $79,013,000 | 4,258 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3409% | 7,294 |
| Cost of funding earning assets | 0.7620% | 5,792 |
| Net interest margin | 2.5790% | 7,138 |
| Noninterest income to average assets | 0.4415% | 4,348 |
| Noninterest expense to average assets | 2.3284% | 6,113 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.4120% | 4,894 |
| Return on assets (ROA) | 0.4120% | 4,985 |
| Pretax return on assets | 0.4153% | 5,297 |
| Return on Equity (ROE) | 4.0464% | 4,877 |
| Retained earnings to average equity (ytd only) | 4.0464% | 3,738 |
| Net charge-offs to loans | 0.0195% | 4,804 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 31.7500% | 802 |
| Efficiency ratio | 84.8629% | 1,861 |
| Assets per employee ($millions) | 3.5747% | 4,812 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 7,503 |
| Loan loss allowance to noncurrent loans | 0.0000% | 7,079 |
| Noncurrent assets plus other real estate owned to assets | 0.0230% | 7,118 |
| Noncurrent loans to loans | 0.0380% | 6,954 |
| Net loans and leases to total assets | 60.6818% | 4,134 |
| Net loans and leases to deposits | 70.4164% | 4,284 |
| Net loans and leases to core deposits | 84.0939% | 3,148 |
| Total domestic deposits to total assets | 86.1756% | 3,419 |
| Equity capital to assets | 12.5433% | 1,606 |
| Core capital (leverage) ratio | 11.4003% | 1,909 |
| Tier 1 risk-based capital ratio | 16.3126% | 2,753 |
| Total risk-based capital ratio | 16.3126% | 3,351 |
| Memoranda: | ||
| Average total assets | $122,316,000 | 4,409 |
| Average earning assets | $109,190,500 | 4,493 |
| Average equity | $12,455,500 | 4,457 |
| Average total loans | $82,226,500 | 4,189 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5915% | 1,932 |
| Cost of funding earning assets | 1.9144% | 802 |
| Net interest margin | 3.6771% | 4,454 |
| Noninterest income to average assets | 0.7060% | 2,811 |
| Noninterest expense to average assets | 3.5859% | 1,959 |
| Loan and lease loss provision to assets | 1.4143% | 1,062 |
| Net operating income to assets | -0.6384% | 6,476 |
| Return on assets (ROA) | -0.6366% | 6,505 |
| Pretax return on assets | -1.0287% | 6,661 |
| Return on Equity (ROE) | -8.9917% | 6,676 |
| Retained earnings to average equity (ytd only) | -8.9917% | 6,591 |
| Net charge-offs to loans | 0.5313% | 3,497 |
| Credit loss provision to net charge-offs | 356.1020% | 722 |
| Earnings coverage of net charge-offs (x) | 0.9636% | 5,147 |
| Efficiency ratio | 90.3573% | 1,299 |
| Assets per employee ($millions) | 3.7301% | 4,402 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9062% | 431 |
| Loan loss allowance to noncurrent loans | 105.3524% | 2,746 |
| Noncurrent assets plus other real estate owned to assets | 5.8630% | 1,030 |
| Noncurrent loans to loans | 3.7078% | 2,003 |
| Net loans and leases to total assets | 70.8066% | 2,353 |
| Net loans and leases to deposits | 81.2306% | 2,947 |
| Net loans and leases to core deposits | 98.4692% | 1,756 |
| Total domestic deposits to total assets | 87.1674% | 2,729 |
| Equity capital to assets | 7.8526% | 6,637 |
| Core capital (leverage) ratio | 7.5422% | 6,666 |
| Tier 1 risk-based capital ratio | 9.7248% | 7,073 |
| Total risk-based capital ratio | 11.0047% | 7,067 |
| Memoranda: | ||
| Average total assets | $138,235,800 | 4,088 |
| Average earning assets | $122,651,000 | 4,173 |
| Average equity | $9,786,800 | 5,188 |
| Average total loans | $103,332,600 | 3,696 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5567% | 2,227 |
| Cost of funding earning assets | 2.0037% | 745 |
| Net interest margin | 3.5530% | 5,097 |
| Noninterest income to average assets | 0.6187% | 3,328 |
| Noninterest expense to average assets | 3.5383% | 1,939 |
| Loan and lease loss provision to assets | 1.9527% | 613 |
| Net operating income to assets | -1.1723% | 6,976 |
| Return on assets (ROA) | -1.1697% | 7,008 |
| Pretax return on assets | -1.7124% | 7,109 |
| Return on Equity (ROE) | -16.9226% | 7,156 |
| Retained earnings to average equity (ytd only) | -16.9226% | 7,134 |
| Net charge-offs to loans | 0.7950% | 2,460 |
| Credit loss provision to net charge-offs | 327.5591% | 972 |
| Earnings coverage of net charge-offs (x) | 0.3968% | 5,628 |
| Efficiency ratio | 93.7329% | 1,019 |
| Assets per employee ($millions) | 5.2427% | 1,879 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7984% | 432 |
| Loan loss allowance to noncurrent loans | 99.0871% | 2,804 |
| Noncurrent assets plus other real estate owned to assets | 6.6363% | 849 |
| Noncurrent loans to loans | 3.8333% | 1,994 |
| Net loans and leases to total assets | 69.2180% | 2,930 |
| Net loans and leases to deposits | 78.5390% | 3,728 |
| Net loans and leases to core deposits | 98.5402% | 1,992 |
| Total domestic deposits to total assets | 88.1320% | 1,880 |
| Equity capital to assets | 7.1475% | 7,292 |
| Core capital (leverage) ratio | 6.6553% | 7,294 |
| Tier 1 risk-based capital ratio | 8.7593% | 7,408 |
| Total risk-based capital ratio | 10.0257% | 7,418 |
| Memoranda: | ||
| Average total assets | $142,021,500 | 4,079 |
| Average earning assets | $126,162,250 | 4,157 |
| Average equity | $9,817,000 | 5,251 |
| Average total loans | $106,490,500 | 3,670 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4850% | 2,593 |
| Cost of funding earning assets | 2.1053% | 644 |
| Net interest margin | 3.3797% | 5,718 |
| Noninterest income to average assets | 0.6041% | 3,312 |
| Noninterest expense to average assets | 3.3664% | 2,351 |
| Loan and lease loss provision to assets | 2.5056% | 455 |
| Net operating income to assets | -1.4905% | 7,147 |
| Return on assets (ROA) | -1.4869% | 7,157 |
| Pretax return on assets | -2.2585% | 7,309 |
| Return on Equity (ROE) | -21.7324% | 7,312 |
| Retained earnings to average equity (ytd only) | -21.7324% | 7,297 |
| Net charge-offs to loans | 0.6241% | 2,666 |
| Credit loss provision to net charge-offs | 528.9855% | 699 |
| Earnings coverage of net charge-offs (x) | 0.5101% | 5,218 |
| Efficiency ratio | 93.3029% | 1,102 |
| Assets per employee ($millions) | 4.1336% | 3,520 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4614% | 559 |
| Loan loss allowance to noncurrent loans | 56.9158% | 4,519 |
| Noncurrent assets plus other real estate owned to assets | 7.4369% | 684 |
| Noncurrent loans to loans | 6.0816% | 1,044 |
| Net loans and leases to total assets | 71.7780% | 2,461 |
| Net loans and leases to deposits | 82.1778% | 3,244 |
| Net loans and leases to core deposits | 102.3207% | 1,797 |
| Total domestic deposits to total assets | 87.3448% | 2,359 |
| Equity capital to assets | 6.7602% | 7,421 |
| Core capital (leverage) ratio | 6.3995% | 7,405 |
| Tier 1 risk-based capital ratio | 8.0686% | 7,518 |
| Total risk-based capital ratio | 9.3422% | 7,525 |
| Memoranda: | ||
| Average total assets | $145,673,000 | 4,037 |
| Average earning assets | $129,480,330 | 4,100 |
| Average equity | $9,966,670 | 5,211 |
| Average total loans | $110,552,670 | 3,616 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4557% | 2,800 |
| Cost of funding earning assets | 2.2909% | 445 |
| Net interest margin | 3.1648% | 6,407 |
| Noninterest income to average assets | 0.6476% | 2,949 |
| Noninterest expense to average assets | 3.4809% | 2,035 |
| Loan and lease loss provision to assets | 1.7674% | 643 |
| Net operating income to assets | -1.7674% | 7,405 |
| Return on assets (ROA) | -1.7674% | 7,406 |
| Pretax return on assets | -1.7863% | 7,341 |
| Return on Equity (ROE) | -25.6875% | 7,509 |
| Retained earnings to average equity (ytd only) | -25.6875% | 7,470 |
| Net charge-offs to loans | 0.4930% | 2,585 |
| Credit loss provision to net charge-offs | 467.8571% | 900 |
| Earnings coverage of net charge-offs (x) | -0.0500% | 5,062 |
| Efficiency ratio | 100.5456% | 817 |
| Assets per employee ($millions) | 4.2325% | 3,406 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3904% | 1,431 |
| Loan loss allowance to noncurrent loans | 37.6544% | 5,849 |
| Noncurrent assets plus other real estate owned to assets | 7.7765% | 638 |
| Noncurrent loans to loans | 6.3483% | 996 |
| Net loans and leases to total assets | 73.1014% | 2,178 |
| Net loans and leases to deposits | 83.3649% | 3,048 |
| Net loans and leases to core deposits | 104.8346% | 1,669 |
| Total domestic deposits to total assets | 87.6885% | 2,241 |
| Equity capital to assets | 6.6688% | 7,489 |
| Core capital (leverage) ratio | 6.4968% | 7,468 |
| Tier 1 risk-based capital ratio | 7.8977% | 7,626 |
| Total risk-based capital ratio | 9.1588% | 7,633 |
| Memoranda: | ||
| Average total assets | $148,238,000 | 4,037 |
| Average earning assets | $131,824,500 | 4,119 |
| Average equity | $10,199,500 | 5,178 |
| Average total loans | $113,581,000 | 3,603 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9609% | 2,013 |
| Cost of funding earning assets | 2.6388% | 692 |
| Net interest margin | 3.3221% | 5,657 |
| Noninterest income to average assets | 0.6587% | 3,232 |
| Noninterest expense to average assets | 3.5183% | 2,336 |
| Loan and lease loss provision to assets | 2.3239% | 873 |
| Net operating income to assets | -2.3952% | 7,225 |
| Return on assets (ROA) | -2.3876% | 7,231 |
| Pretax return on assets | -2.2677% | 7,049 |
| Return on Equity (ROE) | -31.6716% | 7,432 |
| Retained earnings to average equity (ytd only) | -31.6716% | 7,417 |
| Net charge-offs to loans | 3.6394% | 517 |
| Credit loss provision to net charge-offs | 78.8313% | 6,316 |
| Earnings coverage of net charge-offs (x) | 0.0165% | 6,175 |
| Efficiency ratio | 98.6379% | 1,172 |
| Assets per employee ($millions) | 3.9036% | 4,016 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8388% | 2,428 |
| Loan loss allowance to noncurrent loans | 29.2060% | 6,527 |
| Noncurrent assets plus other real estate owned to assets | 7.7681% | 599 |
| Noncurrent loans to loans | 6.2959% | 965 |
| Net loans and leases to total assets | 76.9068% | 1,603 |
| Net loans and leases to deposits | 88.0650% | 2,546 |
| Net loans and leases to core deposits | 99.2414% | 4,087 |
| Total domestic deposits to total assets | 87.3296% | 2,306 |
| Equity capital to assets | 7.0919% | 7,330 |
| Core capital (leverage) ratio | 6.9306% | 7,298 |
| Tier 1 risk-based capital ratio | 8.1583% | 7,629 |
| Total risk-based capital ratio | 9.4136% | 7,646 |
| Memoranda: | ||
| Average total assets | $158,485,200 | 3,801 |
| Average earning assets | $138,737,400 | 3,932 |
| Average equity | $11,947,600 | 4,760 |
| Average total loans | $128,371,200 | 3,302 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9880% | 2,088 |
| Cost of funding earning assets | 2.6937% | 803 |
| Net interest margin | 3.2943% | 5,661 |
| Noninterest income to average assets | 0.7013% | 3,008 |
| Noninterest expense to average assets | 3.5514% | 2,140 |
| Loan and lease loss provision to assets | 2.2150% | 779 |
| Net operating income to assets | -3.1407% | 7,622 |
| Return on assets (ROA) | -3.1308% | 7,626 |
| Pretax return on assets | -2.1802% | 7,244 |
| Return on Equity (ROE) | -40.9705% | 7,758 |
| Retained earnings to average equity (ytd only) | -40.9705% | 7,753 |
| Net charge-offs to loans | 2.4188% | 760 |
| Credit loss provision to net charge-offs | 112.2064% | 4,523 |
| Earnings coverage of net charge-offs (x) | 0.0126% | 6,048 |
| Efficiency ratio | 99.3054% | 1,093 |
| Assets per employee ($millions) | 3.8986% | 3,948 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7716% | 817 |
| Loan loss allowance to noncurrent loans | 62.7203% | 4,212 |
| Noncurrent assets plus other real estate owned to assets | 6.1094% | 868 |
| Noncurrent loans to loans | 4.4189% | 1,591 |
| Net loans and leases to total assets | 78.8392% | 1,415 |
| Net loans and leases to deposits | 91.2691% | 2,351 |
| Net loans and leases to core deposits | 102.6020% | 4,095 |
| Total domestic deposits to total assets | 86.3810% | 2,487 |
| Equity capital to assets | 6.8388% | 7,668 |
| Core capital (leverage) ratio | 6.3266% | 7,725 |
| Tier 1 risk-based capital ratio | 7.7900% | 7,822 |
| Total risk-based capital ratio | 9.0573% | 7,827 |
| Memoranda: | ||
| Average total assets | $161,022,000 | 3,777 |
| Average earning assets | $140,522,500 | 3,917 |
| Average equity | $12,304,500 | 4,715 |
| Average total loans | $131,409,250 | 3,269 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0253% | 2,073 |
| Cost of funding earning assets | 2.7279% | 972 |
| Net interest margin | 3.2974% | 5,566 |
| Noninterest income to average assets | 0.7036% | 2,970 |
| Noninterest expense to average assets | 3.6838% | 1,869 |
| Loan and lease loss provision to assets | 3.0302% | 500 |
| Net operating income to assets | -4.5655% | 7,899 |
| Return on assets (ROA) | -4.5655% | 7,898 |
| Pretax return on assets | -3.1436% | 7,603 |
| Return on Equity (ROE) | -57.8671% | 7,964 |
| Retained earnings to average equity (ytd only) | -57.8671% | 7,961 |
| Net charge-offs to loans | 3.2494% | 491 |
| Credit loss provision to net charge-offs | 114.0431% | 4,066 |
| Earnings coverage of net charge-offs (x) | -0.0427% | 5,739 |
| Efficiency ratio | 103.1762% | 1,053 |
| Assets per employee ($millions) | 4.0861% | 3,524 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6691% | 770 |
| Loan loss allowance to noncurrent loans | 64.7792% | 4,192 |
| Noncurrent assets plus other real estate owned to assets | 5.4954% | 921 |
| Noncurrent loans to loans | 4.1203% | 1,614 |
| Net loans and leases to total assets | 76.5707% | 2,044 |
| Net loans and leases to deposits | 88.0155% | 3,166 |
| Net loans and leases to core deposits | 104.4858% | 4,008 |
| Total domestic deposits to total assets | 86.9968% | 2,259 |
| Equity capital to assets | 6.4022% | 7,839 |
| Core capital (leverage) ratio | 6.0604% | 7,909 |
| Tier 1 risk-based capital ratio | 7.4781% | 7,966 |
| Total risk-based capital ratio | 8.7438% | 7,975 |
| Memoranda: | ||
| Average total assets | $164,014,330 | 3,739 |
| Average earning assets | $142,598,670 | 3,885 |
| Average equity | $12,940,000 | 4,560 |
| Average total loans | $134,116,330 | 3,266 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1837% | 1,650 |
| Cost of funding earning assets | 2.6624% | 1,368 |
| Net interest margin | 3.5213% | 4,645 |
| Noninterest income to average assets | 0.7182% | 2,770 |
| Noninterest expense to average assets | 3.2916% | 2,682 |
| Loan and lease loss provision to assets | 0.5600% | 2,240 |
| Net operating income to assets | -0.0292% | 6,301 |
| Return on assets (ROA) | -0.0292% | 6,429 |
| Pretax return on assets | -0.0292% | 6,411 |
| Return on Equity (ROE) | -0.3386% | 6,449 |
| Retained earnings to average equity (ytd only) | -0.3386% | 5,725 |
| Net charge-offs to loans | 0.9848% | 1,368 |
| Credit loss provision to net charge-offs | 68.2493% | 4,384 |
| Earnings coverage of net charge-offs (x) | 0.6469% | 4,478 |
| Efficiency ratio | 86.1146% | 2,053 |
| Assets per employee ($millions) | 4.0058% | 3,653 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2313% | 1,047 |
| Loan loss allowance to noncurrent loans | 59.7230% | 4,612 |
| Noncurrent assets plus other real estate owned to assets | 5.4695% | 783 |
| Noncurrent loans to loans | 3.7361% | 1,662 |
| Net loans and leases to total assets | 80.5434% | 1,283 |
| Net loans and leases to deposits | 94.5898% | 2,174 |
| Net loans and leases to core deposits | 105.5764% | 3,961 |
| Total domestic deposits to total assets | 85.1501% | 3,134 |
| Equity capital to assets | 8.6424% | 5,855 |
| Core capital (leverage) ratio | 8.0373% | 6,398 |
| Tier 1 risk-based capital ratio | 9.1452% | 7,709 |
| Total risk-based capital ratio | 10.4063% | 7,703 |
| Memoranda: | ||
| Average total assets | $164,299,000 | 3,757 |
| Average earning assets | $144,832,500 | 3,860 |
| Average equity | $14,178,000 | 4,299 |
| Average total loans | $136,883,000 | 3,232 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5495% | 2,723 |
| Cost of funding earning assets | 3.1372% | 1,391 |
| Net interest margin | 3.4123% | 5,607 |
| Noninterest income to average assets | 0.7573% | 2,741 |
| Noninterest expense to average assets | 7.5344% | 252 |
| Loan and lease loss provision to assets | 1.2113% | 1,187 |
| Net operating income to assets | -4.8471% | 8,076 |
| Return on assets (ROA) | -4.8471% | 8,063 |
| Pretax return on assets | -5.0191% | 8,029 |
| Return on Equity (ROE) | -41.4477% | 8,091 |
| Retained earnings to average equity (ytd only) | -41.4477% | 8,063 |
| Net charge-offs to loans | 1.1947% | 1,012 |
| Credit loss provision to net charge-offs | 124.6300% | 4,292 |
| Earnings coverage of net charge-offs (x) | -3.9177% | 6,803 |
| Efficiency ratio | 79.1384% | 2,732 |
| Assets per employee ($millions) | 3.8223% | 3,916 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2576% | 895 |
| Loan loss allowance to noncurrent loans | 135.1492% | 2,699 |
| Noncurrent assets plus other real estate owned to assets | 3.7704% | 1,140 |
| Noncurrent loans to loans | 1.6705% | 3,264 |
| Net loans and leases to total assets | 82.3425% | 1,166 |
| Net loans and leases to deposits | 98.5208% | 2,047 |
| Net loans and leases to core deposits | 110.6461% | 3,723 |
| Total domestic deposits to total assets | 83.5788% | 3,540 |
| Equity capital to assets | 8.6164% | 5,907 |
| Core capital (leverage) ratio | 7.5570% | 7,136 |
| Tier 1 risk-based capital ratio | 9.0768% | 7,734 |
| Total risk-based capital ratio | 10.3378% | 7,693 |
| Memoranda: | ||
| Average total assets | $173,775,800 | 3,495 |
| Average earning assets | $151,217,400 | 3,631 |
| Average equity | $20,322,000 | 3,175 |
| Average total loans | $141,369,200 | 3,072 |