Home > William Penn Bank > Performance and Condition Ratios
William Penn Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1898% | 3,646 |
| Cost of funding earning assets | 1.6015% | 1,690 |
| Net interest margin | 2.5883% | 3,982 |
| Noninterest income to average assets | 0.2800% | 3,252 |
| Noninterest expense to average assets | 2.4294% | 2,498 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.1517% | 4,210 |
| Return on assets (ROA) | 0.1610% | 4,227 |
| Pretax return on assets | 0.1731% | 4,218 |
| Return on Equity (ROE) | 1.0100% | 4,262 |
| Retained earnings to average equity (ytd only) | 1.0114% | 3,835 |
| Net charge-offs to loans | 0.0012% | 2,809 |
| Credit loss provision to net charge-offs | 500.0000% | 667 |
| Earnings coverage of net charge-offs (x) | 234.6667% | 524 |
| Efficiency ratio | 92.7719% | 337 |
| Assets per employee ($millions) | 9.1548% | 936 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7648% | 4,035 |
| Loan loss allowance to noncurrent loans | 118.1430% | 3,102 |
| Noncurrent assets plus other real estate owned to assets | 0.3870% | 1,429 |
| Noncurrent loans to loans | 0.6474% | 1,209 |
| Net loans and leases to total assets | 56.7100% | 3,143 |
| Net loans and leases to deposits | 73.3851% | 2,661 |
| Net loans and leases to core deposits | 76.0501% | 2,974 |
| Total domestic deposits to total assets | 77.2700% | 3,814 |
| Equity capital to assets | 14.4920% | 602 |
| Core capital (leverage) ratio | 16.0126% | 485 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $845,222,000 | 1,139 |
| Average earning assets | $756,100,600 | 1,162 |
| Average equity | $134,572,000 | 735 |
| Average total loans | $482,200,400 | 1,270 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1427% | 3,576 |
| Cost of funding earning assets | 1.4455% | 1,746 |
| Net interest margin | 2.6972% | 3,885 |
| Noninterest income to average assets | 0.2800% | 3,257 |
| Noninterest expense to average assets | 2.4451% | 2,391 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.2170% | 4,212 |
| Return on assets (ROA) | 0.2170% | 4,227 |
| Pretax return on assets | 0.2453% | 4,206 |
| Return on Equity (ROE) | 1.3300% | 4,279 |
| Retained earnings to average equity (ytd only) | 1.3336% | 3,883 |
| Net charge-offs to loans | -0.0014% | 3,522 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 90.0571% | 375 |
| Assets per employee ($millions) | 8.7152% | 1,042 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7541% | 4,061 |
| Loan loss allowance to noncurrent loans | 100.8718% | 3,201 |
| Noncurrent assets plus other real estate owned to assets | 0.4465% | 1,307 |
| Noncurrent loans to loans | 0.7476% | 1,111 |
| Net loans and leases to total assets | 57.0100% | 3,118 |
| Net loans and leases to deposits | 73.4988% | 2,609 |
| Net loans and leases to core deposits | 76.0067% | 2,866 |
| Total domestic deposits to total assets | 77.5700% | 3,867 |
| Equity capital to assets | 14.4219% | 597 |
| Core capital (leverage) ratio | 16.6370% | 436 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $850,543,500 | 1,134 |
| Average earning assets | $761,127,750 | 1,154 |
| Average equity | $138,363,750 | 716 |
| Average total loans | $485,046,750 | 1,256 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0744% | 3,537 |
| Cost of funding earning assets | 1.2941% | 1,725 |
| Net interest margin | 2.7803% | 3,850 |
| Noninterest income to average assets | 0.2800% | 3,229 |
| Noninterest expense to average assets | 2.4534% | 2,340 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.2727% | 4,199 |
| Return on assets (ROA) | 0.2727% | 4,227 |
| Pretax return on assets | 0.3158% | 4,212 |
| Return on Equity (ROE) | 1.6200% | 4,310 |
| Retained earnings to average equity (ytd only) | 1.6173% | 3,803 |
| Net charge-offs to loans | 0.0086% | 1,882 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 64.5238% | 1,160 |
| Efficiency ratio | 87.7788% | 431 |
| Assets per employee ($millions) | 9.0902% | 885 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6890% | 4,203 |
| Loan loss allowance to noncurrent loans | 82.1473% | 3,412 |
| Noncurrent assets plus other real estate owned to assets | 0.4937% | 1,098 |
| Noncurrent loans to loans | 0.8387% | 911 |
| Net loans and leases to total assets | 56.4900% | 3,087 |
| Net loans and leases to deposits | 73.1974% | 2,567 |
| Net loans and leases to core deposits | 75.2228% | 2,815 |
| Total domestic deposits to total assets | 77.1700% | 3,930 |
| Equity capital to assets | 17.0340% | 388 |
| Core capital (leverage) ratio | 18.6688% | 314 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $858,076,667 | 1,116 |
| Average earning assets | $769,340,000 | 1,145 |
| Average equity | $144,683,333 | 683 |
| Average total loans | $488,182,667 | 1,236 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9032% | 3,666 |
| Cost of funding earning assets | 1.0788% | 1,815 |
| Net interest margin | 2.8245% | 3,916 |
| Noninterest income to average assets | 0.2900% | 3,144 |
| Noninterest expense to average assets | 2.5053% | 2,231 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.2786% | 4,275 |
| Return on assets (ROA) | 0.2786% | 4,241 |
| Pretax return on assets | 0.3156% | 4,250 |
| Return on Equity (ROE) | 1.6600% | 4,333 |
| Retained earnings to average equity (ytd only) | 1.6604% | 3,759 |
| Net charge-offs to loans | -0.0024% | 3,461 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 88.0085% | 420 |
| Assets per employee ($millions) | 8.9608% | 950 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6835% | 4,266 |
| Loan loss allowance to noncurrent loans | 78.6843% | 3,498 |
| Noncurrent assets plus other real estate owned to assets | 0.5094% | 1,018 |
| Noncurrent loans to loans | 0.8687% | 871 |
| Net loans and leases to total assets | 56.3600% | 3,020 |
| Net loans and leases to deposits | 73.3371% | 2,354 |
| Net loans and leases to core deposits | 74.9332% | 2,603 |
| Total domestic deposits to total assets | 76.8500% | 4,094 |
| Equity capital to assets | 16.9886% | 342 |
| Core capital (leverage) ratio | 18.4574% | 322 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $864,419,500 | 1,124 |
| Average earning assets | $776,079,500 | 1,145 |
| Average equity | $145,023,000 | 695 |
| Average total loans | $491,846,000 | 1,245 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6113% | 2,772 |
| Cost of funding earning assets | 0.4682% | 1,593 |
| Net interest margin | 3.1431% | 3,047 |
| Noninterest income to average assets | 0.2800% | 3,464 |
| Noninterest expense to average assets | 2.4364% | 2,315 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.5698% | 3,945 |
| Return on assets (ROA) | 0.5698% | 3,908 |
| Pretax return on assets | 0.6668% | 3,916 |
| Return on Equity (ROE) | 3.2700% | 4,268 |
| Retained earnings to average equity (ytd only) | 3.2715% | 3,637 |
| Net charge-offs to loans | 0.0506% | 1,162 |
| Credit loss provision to net charge-offs | 4.1667% | 1,970 |
| Earnings coverage of net charge-offs (x) | 23.8958% | 1,805 |
| Efficiency ratio | 77.6994% | 868 |
| Assets per employee ($millions) | 8.0426% | 1,297 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6729% | 4,246 |
| Loan loss allowance to noncurrent loans | 78.3365% | 3,492 |
| Noncurrent assets plus other real estate owned to assets | 0.4900% | 1,040 |
| Noncurrent loans to loans | 0.8589% | 869 |
| Net loans and leases to total assets | 56.6600% | 2,949 |
| Net loans and leases to deposits | 75.7399% | 2,118 |
| Net loans and leases to core deposits | 77.2895% | 2,329 |
| Total domestic deposits to total assets | 74.8100% | 4,324 |
| Equity capital to assets | 16.5673% | 357 |
| Core capital (leverage) ratio | 18.2610% | 315 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $858,598,800 | 1,124 |
| Average earning assets | $770,893,800 | 1,146 |
| Average equity | $149,534,000 | 680 |
| Average total loans | $474,249,200 | 1,222 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5225% | 2,540 |
| Cost of funding earning assets | 0.3581% | 1,637 |
| Net interest margin | 3.1644% | 2,731 |
| Noninterest income to average assets | 0.2500% | 3,673 |
| Noninterest expense to average assets | 2.4107% | 2,287 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.5837% | 3,870 |
| Return on assets (ROA) | 0.5837% | 3,830 |
| Pretax return on assets | 0.6758% | 3,842 |
| Return on Equity (ROE) | 3.3100% | 4,261 |
| Retained earnings to average equity (ytd only) | 3.3107% | 3,695 |
| Net charge-offs to loans | 0.0685% | 813 |
| Credit loss provision to net charge-offs | 4.1494% | 1,673 |
| Earnings coverage of net charge-offs (x) | 18.0456% | 1,774 |
| Efficiency ratio | 77.2594% | 971 |
| Assets per employee ($millions) | 7.6505% | 1,517 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7005% | 4,246 |
| Loan loss allowance to noncurrent loans | 69.4664% | 3,629 |
| Noncurrent assets plus other real estate owned to assets | 0.5650% | 942 |
| Noncurrent loans to loans | 1.0083% | 762 |
| Net loans and leases to total assets | 55.6400% | 2,937 |
| Net loans and leases to deposits | 73.9353% | 2,054 |
| Net loans and leases to core deposits | 74.9493% | 2,282 |
| Total domestic deposits to total assets | 75.2600% | 4,396 |
| Equity capital to assets | 16.7169% | 337 |
| Core capital (leverage) ratio | 18.2474% | 306 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $856,099,000 | 1,135 |
| Average earning assets | $768,903,250 | 1,155 |
| Average equity | $150,941,750 | 683 |
| Average total loans | $468,937,250 | 1,230 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4342% | 2,339 |
| Cost of funding earning assets | 0.3104% | 1,619 |
| Net interest margin | 3.1238% | 2,461 |
| Noninterest income to average assets | 0.2425% | 3,717 |
| Noninterest expense to average assets | 2.3609% | 2,369 |
| Loan and lease loss provision to assets | 0.0023% | 2,568 |
| Net operating income to assets | 0.5594% | 3,737 |
| Return on assets (ROA) | 0.5594% | 3,688 |
| Pretax return on assets | 0.6904% | 3,603 |
| Return on Equity (ROE) | 3.1195% | 4,196 |
| Retained earnings to average equity (ytd only) | 3.1195% | 3,408 |
| Net charge-offs to loans | 0.0707% | 740 |
| Credit loss provision to net charge-offs | 6.0606% | 1,644 |
| Earnings coverage of net charge-offs (x) | 18.0182% | 1,594 |
| Efficiency ratio | 76.4612% | 1,225 |
| Assets per employee ($millions) | 7.8346% | 1,389 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7118% | 4,312 |
| Loan loss allowance to noncurrent loans | 52.3575% | 3,780 |
| Noncurrent assets plus other real estate owned to assets | 0.7420% | 713 |
| Noncurrent loans to loans | 1.3595% | 568 |
| Net loans and leases to total assets | 54.1910% | 2,944 |
| Net loans and leases to deposits | 73.0232% | 1,955 |
| Net loans and leases to core deposits | 74.0329% | 2,168 |
| Total domestic deposits to total assets | 74.2106% | 4,526 |
| Equity capital to assets | 16.9081% | 289 |
| Core capital (leverage) ratio | 18.2815% | 260 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $858,396,333 | 1,130 |
| Average earning assets | $772,457,667 | 1,164 |
| Average equity | $153,935,333 | 680 |
| Average total loans | $466,639,000 | 1,230 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4278% | 2,011 |
| Cost of funding earning assets | 0.3318% | 1,359 |
| Net interest margin | 3.0960% | 2,189 |
| Noninterest income to average assets | 0.2497% | 3,649 |
| Noninterest expense to average assets | 2.4032% | 2,147 |
| Loan and lease loss provision to assets | 0.0047% | 2,224 |
| Net operating income to assets | 0.5165% | 3,665 |
| Return on assets (ROA) | 0.5165% | 3,635 |
| Pretax return on assets | 0.6291% | 3,552 |
| Return on Equity (ROE) | 2.7973% | 4,141 |
| Retained earnings to average equity (ytd only) | 2.7973% | 3,337 |
| Net charge-offs to loans | 0.0825% | 590 |
| Credit loss provision to net charge-offs | 10.5263% | 1,315 |
| Earnings coverage of net charge-offs (x) | 14.1579% | 1,374 |
| Efficiency ratio | 78.2622% | 1,288 |
| Assets per employee ($millions) | 7.5340% | 1,656 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7552% | 4,311 |
| Loan loss allowance to noncurrent loans | 53.2283% | 3,814 |
| Noncurrent assets plus other real estate owned to assets | 0.7630% | 727 |
| Noncurrent loans to loans | 1.4188% | 601 |
| Net loans and leases to total assets | 52.7672% | 2,911 |
| Net loans and leases to deposits | 67.7205% | 2,184 |
| Net loans and leases to core deposits | 68.6879% | 2,394 |
| Total domestic deposits to total assets | 77.9190% | 4,413 |
| Equity capital to assets | 17.6858% | 239 |
| Core capital (leverage) ratio | 18.2533% | 237 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $848,858,000 | 1,137 |
| Average earning assets | $764,215,500 | 1,173 |
| Average equity | $156,721,000 | 689 |
| Average total loans | $460,498,500 | 1,235 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3292% | 3,116 |
| Cost of funding earning assets | 0.4312% | 1,319 |
| Net interest margin | 2.8980% | 3,445 |
| Noninterest income to average assets | 0.2398% | 3,943 |
| Noninterest expense to average assets | 2.3123% | 2,762 |
| Loan and lease loss provision to assets | 0.0006% | 3,056 |
| Net operating income to assets | 0.5056% | 4,073 |
| Return on assets (ROA) | 0.5193% | 4,088 |
| Pretax return on assets | 0.5966% | 4,113 |
| Return on Equity (ROE) | 2.8647% | 4,386 |
| Retained earnings to average equity (ytd only) | 2.8647% | 3,696 |
| Net charge-offs to loans | 0.0059% | 2,368 |
| Credit loss provision to net charge-offs | 17.8571% | 2,280 |
| Earnings coverage of net charge-offs (x) | 167.6429% | 611 |
| Efficiency ratio | 78.8793% | 878 |
| Assets per employee ($millions) | 7.2288% | 1,775 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7742% | 4,308 |
| Loan loss allowance to noncurrent loans | 71.2800% | 3,674 |
| Noncurrent assets plus other real estate owned to assets | 0.6105% | 1,079 |
| Noncurrent loans to loans | 1.0862% | 892 |
| Net loans and leases to total assets | 54.9465% | 2,737 |
| Net loans and leases to deposits | 73.1299% | 1,801 |
| Net loans and leases to core deposits | 74.4553% | 2,042 |
| Total domestic deposits to total assets | 75.1355% | 4,550 |
| Equity capital to assets | 19.2721% | 200 |
| Core capital (leverage) ratio | 18.8081% | 210 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $807,301,600 | 1,152 |
| Average earning assets | $739,314,000 | 1,167 |
| Average equity | $146,332,600 | 735 |
| Average total loans | $472,123,600 | 1,214 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3344% | 3,295 |
| Cost of funding earning assets | 0.4529% | 1,337 |
| Net interest margin | 2.8815% | 3,595 |
| Noninterest income to average assets | 0.2298% | 4,027 |
| Noninterest expense to average assets | 2.3351% | 2,641 |
| Loan and lease loss provision to assets | 0.0009% | 2,950 |
| Net operating income to assets | 0.4733% | 4,250 |
| Return on assets (ROA) | 0.4917% | 4,267 |
| Pretax return on assets | 0.5627% | 4,281 |
| Return on Equity (ROE) | 2.7578% | 4,494 |
| Retained earnings to average equity (ytd only) | 2.7578% | 3,982 |
| Net charge-offs to loans | 0.0003% | 2,452 |
| Credit loss provision to net charge-offs | 500.0000% | 756 |
| Earnings coverage of net charge-offs (x) | 3,260.0000% | 40 |
| Efficiency ratio | 80.0914% | 736 |
| Assets per employee ($millions) | 7.9641% | 1,289 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7845% | 4,371 |
| Loan loss allowance to noncurrent loans | 64.6445% | 3,791 |
| Noncurrent assets plus other real estate owned to assets | 0.6863% | 1,089 |
| Noncurrent loans to loans | 1.2135% | 917 |
| Net loans and leases to total assets | 55.3643% | 2,808 |
| Net loans and leases to deposits | 73.9226% | 1,862 |
| Net loans and leases to core deposits | 75.3764% | 2,111 |
| Total domestic deposits to total assets | 74.8949% | 4,605 |
| Equity capital to assets | 19.4343% | 214 |
| Core capital (leverage) ratio | 18.8223% | 228 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $801,299,500 | 1,170 |
| Average earning assets | $736,303,000 | 1,180 |
| Average equity | $142,863,000 | 763 |
| Average total loans | $475,069,500 | 1,230 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3815% | 3,226 |
| Cost of funding earning assets | 0.4713% | 1,373 |
| Net interest margin | 2.9102% | 3,556 |
| Noninterest income to average assets | 0.2221% | 4,074 |
| Noninterest expense to average assets | 2.3561% | 2,603 |
| Loan and lease loss provision to assets | 0.0088% | 2,746 |
| Net operating income to assets | 0.4380% | 4,321 |
| Return on assets (ROA) | 0.4511% | 4,342 |
| Pretax return on assets | 0.5643% | 4,290 |
| Return on Equity (ROE) | 2.6110% | 4,538 |
| Retained earnings to average equity (ytd only) | 2.6110% | 3,971 |
| Net charge-offs to loans | 0.0037% | 2,024 |
| Credit loss provision to net charge-offs | 388.8889% | 772 |
| Earnings coverage of net charge-offs (x) | 245.8889% | 439 |
| Efficiency ratio | 79.7893% | 799 |
| Assets per employee ($millions) | 7.7583% | 1,324 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7773% | 4,397 |
| Loan loss allowance to noncurrent loans | 68.1570% | 3,729 |
| Noncurrent assets plus other real estate owned to assets | 0.6537% | 1,274 |
| Noncurrent loans to loans | 1.1405% | 1,061 |
| Net loans and leases to total assets | 56.0805% | 2,893 |
| Net loans and leases to deposits | 75.0110% | 1,910 |
| Net loans and leases to core deposits | 76.6656% | 2,172 |
| Total domestic deposits to total assets | 74.7631% | 4,628 |
| Equity capital to assets | 19.3167% | 214 |
| Core capital (leverage) ratio | 18.8932% | 221 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $794,963,667 | 1,166 |
| Average earning assets | $734,997,000 | 1,172 |
| Average equity | $137,343,667 | 774 |
| Average total loans | $480,843,333 | 1,225 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4398% | 3,086 |
| Cost of funding earning assets | 0.5038% | 1,369 |
| Net interest margin | 2.9360% | 3,418 |
| Noninterest income to average assets | 0.2058% | 4,148 |
| Noninterest expense to average assets | 2.2600% | 2,908 |
| Loan and lease loss provision to assets | 0.0077% | 2,670 |
| Net operating income to assets | 0.5340% | 4,109 |
| Return on assets (ROA) | 0.5483% | 4,119 |
| Pretax return on assets | 0.6891% | 4,041 |
| Return on Equity (ROE) | 3.3842% | 4,398 |
| Retained earnings to average equity (ytd only) | 3.3842% | 3,666 |
| Net charge-offs to loans | 0.0025% | 1,836 |
| Credit loss provision to net charge-offs | 500.0000% | 591 |
| Earnings coverage of net charge-offs (x) | 442.0000% | 213 |
| Efficiency ratio | 75.7840% | 1,155 |
| Assets per employee ($millions) | 7.8598% | 1,254 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7508% | 4,486 |
| Loan loss allowance to noncurrent loans | 60.4265% | 3,843 |
| Noncurrent assets plus other real estate owned to assets | 0.7409% | 1,247 |
| Noncurrent loans to loans | 1.2426% | 1,054 |
| Net loans and leases to total assets | 58.1987% | 2,782 |
| Net loans and leases to deposits | 77.9201% | 1,723 |
| Net loans and leases to core deposits | 79.8654% | 2,013 |
| Total domestic deposits to total assets | 74.6902% | 4,642 |
| Equity capital to assets | 19.2085% | 216 |
| Core capital (leverage) ratio | 19.2702% | 216 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $781,254,500 | 1,169 |
| Average earning assets | $727,245,000 | 1,174 |
| Average equity | $126,587,000 | 819 |
| Average total loans | $488,860,500 | 1,208 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1415% | 2,307 |
| Cost of funding earning assets | 0.9019% | 852 |
| Net interest margin | 3.2396% | 3,248 |
| Noninterest income to average assets | 0.3633% | 3,294 |
| Noninterest expense to average assets | 2.9465% | 1,553 |
| Loan and lease loss provision to assets | 0.1161% | 2,902 |
| Net operating income to assets | 0.2557% | 4,494 |
| Return on assets (ROA) | 0.2740% | 4,538 |
| Pretax return on assets | 0.3030% | 4,540 |
| Return on Equity (ROE) | 1.9586% | 4,570 |
| Retained earnings to average equity (ytd only) | 1.9586% | 3,844 |
| Net charge-offs to loans | 0.0286% | 2,462 |
| Credit loss provision to net charge-offs | 579.2000% | 1,130 |
| Earnings coverage of net charge-offs (x) | 19.8960% | 1,956 |
| Efficiency ratio | 86.8680% | 493 |
| Assets per employee ($millions) | 7.1614% | 1,469 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7203% | 4,556 |
| Loan loss allowance to noncurrent loans | 68.5851% | 3,760 |
| Noncurrent assets plus other real estate owned to assets | 0.7156% | 1,454 |
| Noncurrent loans to loans | 1.0502% | 1,356 |
| Net loans and leases to total assets | 66.3840% | 2,034 |
| Net loans and leases to deposits | 82.3438% | 1,626 |
| Net loans and leases to core deposits | 85.7885% | 1,887 |
| Total domestic deposits to total assets | 80.6181% | 3,940 |
| Equity capital to assets | 12.8705% | 1,146 |
| Core capital (leverage) ratio | 11.9317% | 1,265 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $623,727,400 | 1,293 |
| Average earning assets | $574,116,200 | 1,301 |
| Average equity | $87,257,200 | 1,081 |
| Average total loans | $437,132,800 | 1,259 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2495% | 2,250 |
| Cost of funding earning assets | 0.9766% | 828 |
| Net interest margin | 3.2729% | 3,271 |
| Noninterest income to average assets | 0.3392% | 3,446 |
| Noninterest expense to average assets | 3.1064% | 1,227 |
| Loan and lease loss provision to assets | 0.1555% | 2,457 |
| Net operating income to assets | 0.1067% | 4,695 |
| Return on assets (ROA) | 0.1402% | 4,687 |
| Pretax return on assets | 0.1164% | 4,716 |
| Return on Equity (ROE) | 0.9776% | 4,712 |
| Retained earnings to average equity (ytd only) | 0.9776% | 4,265 |
| Net charge-offs to loans | 0.0300% | 2,235 |
| Credit loss provision to net charge-offs | 728.4211% | 1,042 |
| Earnings coverage of net charge-offs (x) | 11.1684% | 2,312 |
| Efficiency ratio | 91.6040% | 327 |
| Assets per employee ($millions) | 6.8982% | 1,567 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7153% | 4,547 |
| Loan loss allowance to noncurrent loans | 71.3717% | 3,714 |
| Noncurrent assets plus other real estate owned to assets | 0.7006% | 1,663 |
| Noncurrent loans to loans | 1.0022% | 1,491 |
| Net loans and leases to total assets | 68.0558% | 2,240 |
| Net loans and leases to deposits | 85.0497% | 1,805 |
| Net loans and leases to core deposits | 89.1214% | 2,048 |
| Total domestic deposits to total assets | 80.0188% | 3,859 |
| Equity capital to assets | 12.9190% | 1,219 |
| Core capital (leverage) ratio | 11.9233% | 1,372 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $593,463,500 | 1,324 |
| Average earning assets | $544,990,250 | 1,337 |
| Average equity | $85,107,250 | 1,089 |
| Average total loans | $421,915,000 | 1,288 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2632% | 2,566 |
| Cost of funding earning assets | 1.0169% | 941 |
| Net interest margin | 3.2463% | 3,538 |
| Noninterest income to average assets | 0.4328% | 2,888 |
| Noninterest expense to average assets | 3.3666% | 899 |
| Loan and lease loss provision to assets | 0.2287% | 1,835 |
| Net operating income to assets | -0.0785% | 4,823 |
| Return on assets (ROA) | -0.0303% | 4,808 |
| Pretax return on assets | -0.1257% | 4,830 |
| Return on Equity (ROE) | -0.2025% | 4,807 |
| Retained earnings to average equity (ytd only) | -0.2025% | 4,346 |
| Net charge-offs to loans | 0.0480% | 1,797 |
| Credit loss provision to net charge-offs | 658.9474% | 1,038 |
| Earnings coverage of net charge-offs (x) | 1.2105% | 2,873 |
| Efficiency ratio | 97.4282% | 216 |
| Assets per employee ($millions) | 6.8855% | 1,513 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6871% | 4,595 |
| Loan loss allowance to noncurrent loans | 86.1655% | 3,427 |
| Noncurrent assets plus other real estate owned to assets | 0.5679% | 2,099 |
| Noncurrent loans to loans | 0.7975% | 1,899 |
| Net loans and leases to total assets | 69.0340% | 2,182 |
| Net loans and leases to deposits | 89.6204% | 1,388 |
| Net loans and leases to core deposits | 93.4129% | 1,795 |
| Total domestic deposits to total assets | 77.0293% | 4,315 |
| Equity capital to assets | 12.6775% | 1,289 |
| Core capital (leverage) ratio | 13.6746% | 829 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $547,548,333 | 1,398 |
| Average earning assets | $501,921,333 | 1,416 |
| Average equity | $81,988,000 | 1,115 |
| Average total loans | $395,481,667 | 1,339 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7223% | 1,647 |
| Cost of funding earning assets | 1.2134% | 736 |
| Net interest margin | 3.5089% | 2,947 |
| Noninterest income to average assets | 0.1545% | 4,602 |
| Noninterest expense to average assets | 2.4435% | 3,444 |
| Loan and lease loss provision to assets | 0.0185% | 3,558 |
| Net operating income to assets | 0.7187% | 3,211 |
| Return on assets (ROA) | 0.7921% | 3,023 |
| Pretax return on assets | 0.9917% | 2,869 |
| Return on Equity (ROE) | 4.7036% | 3,741 |
| Retained earnings to average equity (ytd only) | 4.7036% | 2,414 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1584% | 2,196 |
| Assets per employee ($millions) | 6.7838% | 1,189 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8611% | 4,242 |
| Loan loss allowance to noncurrent loans | 142.4716% | 2,645 |
| Noncurrent assets plus other real estate owned to assets | 0.4578% | 2,637 |
| Noncurrent loans to loans | 0.6044% | 2,478 |
| Net loans and leases to total assets | 75.0947% | 1,445 |
| Net loans and leases to deposits | 108.9320% | 204 |
| Net loans and leases to core deposits | 116.3736% | 578 |
| Total domestic deposits to total assets | 68.9372% | 4,895 |
| Equity capital to assets | 16.6692% | 487 |
| Core capital (leverage) ratio | 15.5905% | 582 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $452,949,500 | 1,599 |
| Average earning assets | $414,031,500 | 1,625 |
| Average equity | $76,281,500 | 1,182 |
| Average total loans | $337,160,500 | 1,494 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7739% | 2,125 |
| Cost of funding earning assets | 1.1725% | 1,088 |
| Net interest margin | 3.6014% | 3,132 |
| Noninterest income to average assets | 0.3053% | 3,860 |
| Noninterest expense to average assets | 2.4253% | 3,621 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.0108% | 2,811 |
| Return on assets (ROA) | 1.0588% | 2,716 |
| Pretax return on assets | 1.2306% | 2,731 |
| Return on Equity (ROE) | 5.9386% | 3,938 |
| Retained earnings to average equity (ytd only) | 4.5947% | 2,653 |
| Net charge-offs to loans | 0.0488% | 2,421 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 30.4534% | 1,566 |
| Efficiency ratio | 65.7238% | 2,816 |
| Assets per employee ($millions) | 6.5383% | 1,264 |
| Cash dividends to net income (ytd only)* | 22.6296% | 3,389 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9197% | 3,879 |
| Loan loss allowance to noncurrent loans | 133.9310% | 2,785 |
| Noncurrent assets plus other real estate owned to assets | 0.5018% | 2,411 |
| Noncurrent loans to loans | 0.6867% | 2,166 |
| Net loans and leases to total assets | 72.4051% | 2,023 |
| Net loans and leases to deposits | 104.6612% | 351 |
| Net loans and leases to core deposits | 112.0269% | 754 |
| Total domestic deposits to total assets | 69.1804% | 4,960 |
| Equity capital to assets | 17.0194% | 463 |
| Core capital (leverage) ratio | 16.0186% | 521 |
| Tier 1 risk-based capital ratio | 24.3968% | 798 |
| Total risk-based capital ratio | 25.4456% | 795 |
| Memoranda: | ||
| Average total assets | $417,349,200 | 1,679 |
| Average earning assets | $381,824,400 | 1,700 |
| Average equity | $74,412,000 | 1,160 |
| Average total loans | $329,916,600 | 1,499 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8257% | 2,045 |
| Cost of funding earning assets | 1.1396% | 1,212 |
| Net interest margin | 3.6861% | 2,965 |
| Noninterest income to average assets | 0.3436% | 3,670 |
| Noninterest expense to average assets | 2.3799% | 3,743 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.0233% | 2,898 |
| Return on assets (ROA) | 1.0831% | 2,731 |
| Pretax return on assets | 1.4124% | 2,260 |
| Return on Equity (ROE) | 6.0009% | 4,045 |
| Retained earnings to average equity (ytd only) | 4.2016% | 3,298 |
| Net charge-offs to loans | -0.0008% | 3,990 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3820% | 3,266 |
| Assets per employee ($millions) | 6.5278% | 1,261 |
| Cash dividends to net income (ytd only)* | 29.9850% | 2,610 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9551% | 3,802 |
| Loan loss allowance to noncurrent loans | 153.2588% | 2,564 |
| Noncurrent assets plus other real estate owned to assets | 0.4921% | 2,559 |
| Noncurrent loans to loans | 0.6232% | 2,415 |
| Net loans and leases to total assets | 78.2118% | 1,104 |
| Net loans and leases to deposits | 113.0566% | 154 |
| Net loans and leases to core deposits | 122.5068% | 459 |
| Total domestic deposits to total assets | 69.1794% | 5,021 |
| Equity capital to assets | 17.9091% | 397 |
| Core capital (leverage) ratio | 16.5869% | 487 |
| Tier 1 risk-based capital ratio | 24.5200% | 803 |
| Total risk-based capital ratio | 25.6502% | 797 |
| Memoranda: | ||
| Average total assets | $410,535,500 | 1,718 |
| Average earning assets | $375,676,500 | 1,737 |
| Average equity | $74,097,750 | 1,164 |
| Average total loans | $331,169,750 | 1,498 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8241% | 1,985 |
| Cost of funding earning assets | 1.0727% | 1,409 |
| Net interest margin | 3.7515% | 2,748 |
| Noninterest income to average assets | 0.4224% | 3,118 |
| Noninterest expense to average assets | 2.3238% | 3,944 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.1577% | 2,299 |
| Return on assets (ROA) | 1.2119% | 2,168 |
| Pretax return on assets | 1.6000% | 1,552 |
| Return on Equity (ROE) | 6.6968% | 3,794 |
| Retained earnings to average equity (ytd only) | 6.6968% | 1,954 |
| Net charge-offs to loans | -0.0012% | 3,911 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.6246% | 3,914 |
| Assets per employee ($millions) | 6.2998% | 1,337 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9571% | 3,847 |
| Loan loss allowance to noncurrent loans | 158.2622% | 2,550 |
| Noncurrent assets plus other real estate owned to assets | 0.4788% | 2,620 |
| Noncurrent loans to loans | 0.6047% | 2,449 |
| Net loans and leases to total assets | 78.4239% | 1,144 |
| Net loans and leases to deposits | 113.8283% | 149 |
| Net loans and leases to core deposits | 123.1771% | 451 |
| Total domestic deposits to total assets | 68.8966% | 5,079 |
| Equity capital to assets | 18.0736% | 373 |
| Core capital (leverage) ratio | 16.9369% | 437 |
| Tier 1 risk-based capital ratio | 24.6823% | 782 |
| Total risk-based capital ratio | 25.8187% | 773 |
| Memoranda: | ||
| Average total assets | $408,120,000 | 1,731 |
| Average earning assets | $373,455,330 | 1,750 |
| Average equity | $73,856,670 | 1,156 |
| Average total loans | $331,591,000 | 1,507 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8664% | 1,704 |
| Cost of funding earning assets | 0.9601% | 1,748 |
| Net interest margin | 3.9064% | 2,166 |
| Noninterest income to average assets | 0.4037% | 3,156 |
| Noninterest expense to average assets | 2.3330% | 3,940 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.0897% | 2,513 |
| Return on assets (ROA) | 1.1992% | 2,111 |
| Pretax return on assets | 1.7799% | 1,018 |
| Return on Equity (ROE) | 6.6220% | 3,792 |
| Retained earnings to average equity (ytd only) | 6.6220% | 2,190 |
| Net charge-offs to loans | -0.0024% | 3,889 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.0824% | 4,208 |
| Assets per employee ($millions) | 6.6469% | 1,174 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9526% | 3,952 |
| Loan loss allowance to noncurrent loans | 72.6874% | 3,831 |
| Noncurrent assets plus other real estate owned to assets | 1.1076% | 1,252 |
| Noncurrent loans to loans | 1.3105% | 1,252 |
| Net loans and leases to total assets | 80.8059% | 735 |
| Net loans and leases to deposits | 117.2055% | 113 |
| Net loans and leases to core deposits | 125.4399% | 392 |
| Total domestic deposits to total assets | 68.9438% | 5,145 |
| Equity capital to assets | 18.1891% | 337 |
| Core capital (leverage) ratio | 16.9775% | 424 |
| Tier 1 risk-based capital ratio | 24.3795% | 810 |
| Total risk-based capital ratio | 25.5174% | 801 |
| Memoranda: | ||
| Average total assets | $404,286,000 | 1,755 |
| Average earning assets | $369,551,000 | 1,769 |
| Average equity | $73,211,000 | 1,165 |
| Average total loans | $332,772,500 | 1,508 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7153% | 1,773 |
| Cost of funding earning assets | 0.9641% | 868 |
| Net interest margin | 3.7512% | 2,851 |
| Noninterest income to average assets | 0.2073% | 4,679 |
| Noninterest expense to average assets | 2.6893% | 3,061 |
| Loan and lease loss provision to assets | 0.0213% | 3,737 |
| Net operating income to assets | 0.7402% | 4,000 |
| Return on assets (ROA) | 0.7402% | 4,004 |
| Pretax return on assets | 0.9757% | 3,685 |
| Return on Equity (ROE) | 3.8920% | 4,735 |
| Retained earnings to average equity (ytd only) | 0.8262% | 4,766 |
| Net charge-offs to loans | -0.0015% | 4,207 |
| Credit loss provision to net charge-offs | -1,825.0000% | 4,823 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9257% | 1,909 |
| Assets per employee ($millions) | 6.2987% | 1,321 |
| Cash dividends to net income (ytd only)* | 78.7712% | 747 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9407% | 3,993 |
| Loan loss allowance to noncurrent loans | 69.4683% | 3,931 |
| Noncurrent assets plus other real estate owned to assets | 1.1632% | 1,128 |
| Noncurrent loans to loans | 1.3541% | 1,155 |
| Net loans and leases to total assets | 82.2623% | 617 |
| Net loans and leases to deposits | 118.0270% | 119 |
| Net loans and leases to core deposits | 126.4692% | 388 |
| Total domestic deposits to total assets | 69.6979% | 5,162 |
| Equity capital to assets | 18.0279% | 341 |
| Core capital (leverage) ratio | 16.6764% | 440 |
| Tier 1 risk-based capital ratio | 23.2396% | 891 |
| Total risk-based capital ratio | 24.3446% | 881 |
| Memoranda: | ||
| Average total assets | $343,029,600 | 1,939 |
| Average earning assets | $318,135,200 | 1,939 |
| Average equity | $65,237,200 | 1,233 |
| Average total loans | $274,795,800 | 1,700 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6011% | 1,970 |
| Cost of funding earning assets | 0.9986% | 601 |
| Net interest margin | 3.6025% | 3,353 |
| Noninterest income to average assets | 0.2032% | 4,749 |
| Noninterest expense to average assets | 2.4572% | 3,707 |
| Loan and lease loss provision to assets | -0.0061% | 5,201 |
| Net operating income to assets | 0.8122% | 3,865 |
| Return on assets (ROA) | 0.8122% | 3,874 |
| Pretax return on assets | 1.1089% | 3,364 |
| Return on Equity (ROE) | 4.2032% | 4,775 |
| Retained earnings to average equity (ytd only) | -0.0042% | 5,037 |
| Net charge-offs to loans | -0.0015% | 4,060 |
| Credit loss provision to net charge-offs | 500.0000% | 694 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2804% | 2,490 |
| Assets per employee ($millions) | 6.1588% | 1,375 |
| Cash dividends to net income (ytd only)* | 100.1002% | 258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9397% | 4,091 |
| Loan loss allowance to noncurrent loans | 75.4438% | 3,902 |
| Noncurrent assets plus other real estate owned to assets | 1.0603% | 1,361 |
| Noncurrent loans to loans | 1.2456% | 1,350 |
| Net loans and leases to total assets | 79.3581% | 1,114 |
| Net loans and leases to deposits | 113.7557% | 189 |
| Net loans and leases to core deposits | 123.7915% | 467 |
| Total domestic deposits to total assets | 69.7618% | 5,221 |
| Equity capital to assets | 17.7395% | 356 |
| Core capital (leverage) ratio | 15.9809% | 521 |
| Tier 1 risk-based capital ratio | 24.7141% | 780 |
| Total risk-based capital ratio | 25.8664% | 767 |
| Memoranda: | ||
| Average total assets | $328,008,500 | 2,012 |
| Average earning assets | $305,629,750 | 2,003 |
| Average equity | $63,378,250 | 1,261 |
| Average total loans | $259,804,750 | 1,788 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3495% | 2,586 |
| Cost of funding earning assets | 1.0304% | 408 |
| Net interest margin | 3.3191% | 4,196 |
| Noninterest income to average assets | 0.1610% | 5,020 |
| Noninterest expense to average assets | 2.1521% | 4,481 |
| Loan and lease loss provision to assets | -0.0099% | 5,302 |
| Net operating income to assets | 0.7971% | 3,866 |
| Return on assets (ROA) | 0.7971% | 3,867 |
| Pretax return on assets | 1.1456% | 3,149 |
| Return on Equity (ROE) | 3.9789% | 4,830 |
| Retained earnings to average equity (ytd only) | 3.9789% | 3,621 |
| Net charge-offs to loans | -0.0193% | 4,552 |
| Credit loss provision to net charge-offs | 65.2174% | 2,395 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4575% | 3,071 |
| Assets per employee ($millions) | 9.1235% | 424 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3025% | 2,154 |
| Loan loss allowance to noncurrent loans | 74.3602% | 3,919 |
| Noncurrent assets plus other real estate owned to assets | 1.4206% | 961 |
| Noncurrent loans to loans | 1.7516% | 904 |
| Net loans and leases to total assets | 77.5180% | 1,391 |
| Net loans and leases to deposits | 126.5290% | 62 |
| Net loans and leases to core deposits | 147.1929% | 138 |
| Total domestic deposits to total assets | 61.2651% | 5,443 |
| Equity capital to assets | 20.2868% | 214 |
| Core capital (leverage) ratio | 19.9980% | 226 |
| Tier 1 risk-based capital ratio | 32.4908% | 392 |
| Total risk-based capital ratio | 33.6873% | 389 |
| Memoranda: | ||
| Average total assets | $301,850,330 | 2,161 |
| Average earning assets | $284,356,000 | 2,134 |
| Average equity | $60,468,330 | 1,311 |
| Average total loans | $237,860,670 | 1,907 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2886% | 2,566 |
| Cost of funding earning assets | 1.0184% | 340 |
| Net interest margin | 3.2702% | 4,262 |
| Noninterest income to average assets | 0.0754% | 5,411 |
| Noninterest expense to average assets | 2.1321% | 4,575 |
| Loan and lease loss provision to assets | 0.0291% | 3,130 |
| Net operating income to assets | 0.7120% | 4,058 |
| Return on assets (ROA) | 0.7120% | 4,066 |
| Pretax return on assets | 0.9952% | 3,549 |
| Return on Equity (ROE) | 3.5769% | 4,873 |
| Retained earnings to average equity (ytd only) | 3.5769% | 3,772 |
| Net charge-offs to loans | -0.0352% | 4,814 |
| Credit loss provision to net charge-offs | -104.7619% | 3,701 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5472% | 2,905 |
| Assets per employee ($millions) | 8.6834% | 495 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3039% | 2,225 |
| Loan loss allowance to noncurrent loans | 70.7955% | 4,007 |
| Noncurrent assets plus other real estate owned to assets | 1.5971% | 849 |
| Noncurrent loans to loans | 1.8418% | 898 |
| Net loans and leases to total assets | 77.5822% | 1,301 |
| Net loans and leases to deposits | 125.3519% | 62 |
| Net loans and leases to core deposits | 145.0899% | 165 |
| Total domestic deposits to total assets | 61.8915% | 5,510 |
| Equity capital to assets | 19.8800% | 219 |
| Core capital (leverage) ratio | 19.8015% | 220 |
| Tier 1 risk-based capital ratio | 31.3012% | 429 |
| Total risk-based capital ratio | 32.5027% | 423 |
| Memoranda: | ||
| Average total assets | $302,237,000 | 2,175 |
| Average earning assets | $284,755,500 | 2,154 |
| Average equity | $60,163,000 | 1,327 |
| Average total loans | $238,556,500 | 1,908 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2048% | 2,672 |
| Cost of funding earning assets | 1.1673% | 88 |
| Net interest margin | 3.0375% | 4,809 |
| Noninterest income to average assets | 0.0775% | 5,467 |
| Noninterest expense to average assets | 1.6888% | 5,347 |
| Loan and lease loss provision to assets | -0.0301% | 5,354 |
| Net operating income to assets | 0.5590% | 4,192 |
| Return on assets (ROA) | 0.5590% | 4,226 |
| Pretax return on assets | 1.2579% | 2,516 |
| Return on Equity (ROE) | 2.9218% | 4,850 |
| Retained earnings to average equity (ytd only) | 2.9218% | 3,558 |
| Net charge-offs to loans | 0.0101% | 3,731 |
| Credit loss provision to net charge-offs | -391.6667% | 4,910 |
| Earnings coverage of net charge-offs (x) | 159.7917% | 456 |
| Efficiency ratio | 57.9034% | 4,541 |
| Assets per employee ($millions) | 8.5873% | 515 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2896% | 2,268 |
| Loan loss allowance to noncurrent loans | 81.3775% | 3,891 |
| Noncurrent assets plus other real estate owned to assets | 1.4167% | 991 |
| Noncurrent loans to loans | 1.5847% | 1,061 |
| Net loans and leases to total assets | 78.2349% | 1,257 |
| Net loans and leases to deposits | 126.8704% | 59 |
| Net loans and leases to core deposits | 145.7088% | 155 |
| Total domestic deposits to total assets | 61.6653% | 5,573 |
| Equity capital to assets | 19.9321% | 209 |
| Core capital (leverage) ratio | 19.2355% | 226 |
| Tier 1 risk-based capital ratio | 30.8929% | 425 |
| Total risk-based capital ratio | 32.1470% | 418 |
| Memoranda: | ||
| Average total assets | $312,356,400 | 2,103 |
| Average earning assets | $291,953,200 | 2,087 |
| Average equity | $59,758,000 | 1,315 |
| Average total loans | $237,745,200 | 1,889 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1602% | 2,753 |
| Cost of funding earning assets | 1.1577% | 81 |
| Net interest margin | 3.0025% | 4,911 |
| Noninterest income to average assets | 0.0723% | 5,552 |
| Noninterest expense to average assets | 1.6069% | 5,448 |
| Loan and lease loss provision to assets | 0.0051% | 4,020 |
| Net operating income to assets | 0.8432% | 3,308 |
| Return on assets (ROA) | 0.8432% | 3,356 |
| Pretax return on assets | 1.2614% | 2,664 |
| Return on Equity (ROE) | 4.4517% | 4,727 |
| Retained earnings to average equity (ytd only) | 4.4517% | 3,250 |
| Net charge-offs to loans | 0.0146% | 3,228 |
| Credit loss provision to net charge-offs | 46.1538% | 2,954 |
| Earnings coverage of net charge-offs (x) | 115.1783% | 635 |
| Efficiency ratio | 55.9235% | 4,750 |
| Assets per employee ($millions) | 9.1983% | 403 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3332% | 2,191 |
| Loan loss allowance to noncurrent loans | 80.3644% | 3,908 |
| Noncurrent assets plus other real estate owned to assets | 1.2729% | 1,268 |
| Noncurrent loans to loans | 1.6590% | 1,100 |
| Net loans and leases to total assets | 75.1544% | 1,733 |
| Net loans and leases to deposits | 128.1731% | 49 |
| Net loans and leases to core deposits | 146.2319% | 144 |
| Total domestic deposits to total assets | 58.6350% | 5,664 |
| Equity capital to assets | 19.2446% | 262 |
| Core capital (leverage) ratio | 18.9639% | 252 |
| Tier 1 risk-based capital ratio | 30.5541% | 454 |
| Total risk-based capital ratio | 31.8087% | 451 |
| Memoranda: | ||
| Average total assets | $315,306,750 | 2,100 |
| Average earning assets | $294,142,750 | 2,089 |
| Average equity | $59,720,750 | 1,324 |
| Average total loans | $237,628,750 | 1,902 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1607% | 2,629 |
| Cost of funding earning assets | 1.1436% | 78 |
| Net interest margin | 3.0172% | 4,873 |
| Noninterest income to average assets | 0.0664% | 5,605 |
| Noninterest expense to average assets | 1.5713% | 5,518 |
| Loan and lease loss provision to assets | 0.0076% | 3,776 |
| Net operating income to assets | 0.8711% | 3,065 |
| Return on assets (ROA) | 0.8711% | 3,115 |
| Pretax return on assets | 1.3031% | 2,373 |
| Return on Equity (ROE) | 4.6235% | 4,622 |
| Retained earnings to average equity (ytd only) | 4.6235% | 2,961 |
| Net charge-offs to loans | 0.0354% | 2,485 |
| Credit loss provision to net charge-offs | 28.5714% | 2,735 |
| Earnings coverage of net charge-offs (x) | 49.3333% | 1,087 |
| Efficiency ratio | 54.5215% | 4,972 |
| Assets per employee ($millions) | 9.2922% | 374 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3276% | 2,285 |
| Loan loss allowance to noncurrent loans | 56.6207% | 4,445 |
| Noncurrent assets plus other real estate owned to assets | 1.7883% | 770 |
| Noncurrent loans to loans | 2.3447% | 672 |
| Net loans and leases to total assets | 74.3397% | 1,805 |
| Net loans and leases to deposits | 125.4373% | 63 |
| Net loans and leases to core deposits | 143.1423% | 167 |
| Total domestic deposits to total assets | 59.2644% | 5,705 |
| Equity capital to assets | 18.8593% | 270 |
| Core capital (leverage) ratio | 18.7232% | 258 |
| Tier 1 risk-based capital ratio | 29.5029% | 493 |
| Total risk-based capital ratio | 30.7569% | 482 |
| Memoranda: | ||
| Average total assets | $316,161,330 | 2,099 |
| Average earning assets | $295,045,000 | 2,087 |
| Average equity | $59,565,670 | 1,326 |
| Average total loans | $237,433,000 | 1,903 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1968% | 2,289 |
| Cost of funding earning assets | 1.1310% | 78 |
| Net interest margin | 3.0659% | 4,749 |
| Noninterest income to average assets | 0.0645% | 5,690 |
| Noninterest expense to average assets | 1.6505% | 5,513 |
| Loan and lease loss provision to assets | 0.0063% | 3,485 |
| Net operating income to assets | 0.8587% | 2,952 |
| Return on assets (ROA) | 0.8587% | 3,001 |
| Pretax return on assets | 1.2774% | 2,318 |
| Return on Equity (ROE) | 4.5603% | 4,583 |
| Retained earnings to average equity (ytd only) | 4.5603% | 3,147 |
| Net charge-offs to loans | -0.0320% | 4,963 |
| Credit loss provision to net charge-offs | -26.3158% | 3,822 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.2500% | 4,909 |
| Assets per employee ($millions) | 9.3543% | 376 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3597% | 2,264 |
| Loan loss allowance to noncurrent loans | 72.5836% | 4,143 |
| Noncurrent assets plus other real estate owned to assets | 1.4004% | 1,193 |
| Noncurrent loans to loans | 1.8733% | 985 |
| Net loans and leases to total assets | 73.3092% | 1,853 |
| Net loans and leases to deposits | 123.2552% | 65 |
| Net loans and leases to core deposits | 139.6911% | 173 |
| Total domestic deposits to total assets | 59.4776% | 5,772 |
| Equity capital to assets | 18.8316% | 258 |
| Core capital (leverage) ratio | 18.7561% | 246 |
| Tier 1 risk-based capital ratio | 29.8839% | 485 |
| Total risk-based capital ratio | 31.1381% | 483 |
| Memoranda: | ||
| Average total assets | $316,274,500 | 2,116 |
| Average earning assets | $296,032,000 | 2,095 |
| Average equity | $59,557,000 | 1,327 |
| Average total loans | $237,137,000 | 1,911 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1679% | 2,597 |
| Cost of funding earning assets | 1.1861% | 58 |
| Net interest margin | 2.9818% | 4,999 |
| Noninterest income to average assets | 0.0495% | 5,775 |
| Noninterest expense to average assets | 1.6132% | 5,641 |
| Loan and lease loss provision to assets | -0.0149% | 5,503 |
| Net operating income to assets | 0.8153% | 3,233 |
| Return on assets (ROA) | 0.8153% | 3,341 |
| Pretax return on assets | 1.2453% | 2,492 |
| Return on Equity (ROE) | 4.4325% | 4,690 |
| Retained earnings to average equity (ytd only) | 4.4325% | 2,763 |
| Net charge-offs to loans | -0.0350% | 5,299 |
| Credit loss provision to net charge-offs | 55.9524% | 3,306 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.7302% | 4,984 |
| Assets per employee ($millions) | 8.9858% | 425 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3409% | 2,335 |
| Loan loss allowance to noncurrent loans | 68.7500% | 4,257 |
| Noncurrent assets plus other real estate owned to assets | 1.6073% | 991 |
| Noncurrent loans to loans | 1.9504% | 940 |
| Net loans and leases to total assets | 74.6298% | 1,753 |
| Net loans and leases to deposits | 125.9244% | 52 |
| Net loans and leases to core deposits | 142.8233% | 153 |
| Total domestic deposits to total assets | 59.2656% | 5,830 |
| Equity capital to assets | 18.8300% | 253 |
| Core capital (leverage) ratio | 18.6330% | 244 |
| Tier 1 risk-based capital ratio | 30.6742% | 454 |
| Total risk-based capital ratio | 31.9295% | 451 |
| Memoranda: | ||
| Average total assets | $315,345,600 | 2,093 |
| Average earning assets | $295,495,400 | 2,073 |
| Average equity | $58,002,800 | 1,326 |
| Average total loans | $239,718,000 | 1,846 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2091% | 2,484 |
| Cost of funding earning assets | 1.1835% | 56 |
| Net interest margin | 3.0256% | 4,962 |
| Noninterest income to average assets | 0.0025% | 5,917 |
| Noninterest expense to average assets | 1.6436% | 5,653 |
| Loan and lease loss provision to assets | -0.0211% | 5,672 |
| Net operating income to assets | 0.8032% | 3,350 |
| Return on assets (ROA) | 0.8032% | 3,492 |
| Pretax return on assets | 1.2156% | 2,774 |
| Return on Equity (ROE) | 4.3929% | 4,765 |
| Retained earnings to average equity (ytd only) | 4.3929% | 3,211 |
| Net charge-offs to loans | -0.0300% | 5,166 |
| Credit loss provision to net charge-offs | 92.5926% | 2,489 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9128% | 4,824 |
| Assets per employee ($millions) | 9.0142% | 407 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3380% | 2,500 |
| Loan loss allowance to noncurrent loans | 73.7445% | 4,184 |
| Noncurrent assets plus other real estate owned to assets | 1.5962% | 1,093 |
| Noncurrent loans to loans | 1.8144% | 1,135 |
| Net loans and leases to total assets | 73.7830% | 1,906 |
| Net loans and leases to deposits | 127.2364% | 59 |
| Net loans and leases to core deposits | 144.4302% | 157 |
| Total domestic deposits to total assets | 57.9890% | 5,903 |
| Equity capital to assets | 18.5595% | 300 |
| Core capital (leverage) ratio | 18.4618% | 267 |
| Tier 1 risk-based capital ratio | 29.9433% | 480 |
| Total risk-based capital ratio | 31.1978% | 477 |
| Memoranda: | ||
| Average total assets | $315,556,250 | 2,091 |
| Average earning assets | $295,733,500 | 2,071 |
| Average equity | $57,698,250 | 1,339 |
| Average total loans | $240,171,750 | 1,850 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2889% | 2,186 |
| Cost of funding earning assets | 1.1760% | 58 |
| Net interest margin | 3.1129% | 4,794 |
| Noninterest income to average assets | -0.0254% | 6,026 |
| Noninterest expense to average assets | 1.6408% | 5,731 |
| Loan and lease loss provision to assets | -0.0317% | 5,802 |
| Net operating income to assets | 0.8480% | 3,106 |
| Return on assets (ROA) | 0.8480% | 3,233 |
| Pretax return on assets | 1.2846% | 2,468 |
| Return on Equity (ROE) | 4.6610% | 4,654 |
| Retained earnings to average equity (ytd only) | 4.6610% | 2,941 |
| Net charge-offs to loans | -0.0389% | 5,251 |
| Credit loss provision to net charge-offs | 106.3830% | 2,010 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.7017% | 5,058 |
| Assets per employee ($millions) | 9.0276% | 380 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3401% | 2,568 |
| Loan loss allowance to noncurrent loans | 79.8277% | 4,123 |
| Noncurrent assets plus other real estate owned to assets | 1.4878% | 1,284 |
| Noncurrent loans to loans | 1.6787% | 1,268 |
| Net loans and leases to total assets | 73.3975% | 1,946 |
| Net loans and leases to deposits | 127.2635% | 56 |
| Net loans and leases to core deposits | 144.0522% | 153 |
| Total domestic deposits to total assets | 57.6736% | 5,989 |
| Equity capital to assets | 18.3555% | 308 |
| Core capital (leverage) ratio | 18.1791% | 282 |
| Tier 1 risk-based capital ratio | 29.4478% | 522 |
| Total risk-based capital ratio | 30.7019% | 513 |
| Memoranda: | ||
| Average total assets | $315,575,670 | 2,093 |
| Average earning assets | $295,925,330 | 2,077 |
| Average equity | $57,412,670 | 1,350 |
| Average total loans | $241,582,000 | 1,849 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2099% | 2,433 |
| Cost of funding earning assets | 1.1708% | 64 |
| Net interest margin | 3.0390% | 5,027 |
| Noninterest income to average assets | 0.0457% | 5,983 |
| Noninterest expense to average assets | 1.5144% | 5,905 |
| Loan and lease loss provision to assets | 0.0190% | 3,442 |
| Net operating income to assets | 0.9068% | 2,720 |
| Return on assets (ROA) | 0.9068% | 2,842 |
| Pretax return on assets | 1.3698% | 2,007 |
| Return on Equity (ROE) | 5.0070% | 4,481 |
| Retained earnings to average equity (ytd only) | 5.0070% | 2,937 |
| Net charge-offs to loans | -0.0163% | 4,762 |
| Credit loss provision to net charge-offs | -150.0000% | 4,300 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.1625% | 5,506 |
| Assets per employee ($millions) | 9.0829% | 375 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3179% | 2,812 |
| Loan loss allowance to noncurrent loans | 65.3640% | 4,438 |
| Noncurrent assets plus other real estate owned to assets | 1.8087% | 1,027 |
| Noncurrent loans to loans | 2.0162% | 1,060 |
| Net loans and leases to total assets | 74.8558% | 1,585 |
| Net loans and leases to deposits | 127.5270% | 46 |
| Net loans and leases to core deposits | 143.5756% | 144 |
| Total domestic deposits to total assets | 58.6980% | 6,043 |
| Equity capital to assets | 18.0757% | 316 |
| Core capital (leverage) ratio | 18.0426% | 292 |
| Tier 1 risk-based capital ratio | 29.2394% | 537 |
| Total risk-based capital ratio | 30.4940% | 530 |
| Memoranda: | ||
| Average total assets | $315,380,500 | 2,109 |
| Average earning assets | $296,541,500 | 2,078 |
| Average equity | $57,120,500 | 1,358 |
| Average total loans | $244,842,500 | 1,831 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2695% | 2,312 |
| Cost of funding earning assets | 1.2446% | 45 |
| Net interest margin | 3.0249% | 5,077 |
| Noninterest income to average assets | 0.0540% | 5,994 |
| Noninterest expense to average assets | 1.5957% | 5,920 |
| Loan and lease loss provision to assets | 0.0569% | 3,172 |
| Net operating income to assets | 0.8280% | 3,205 |
| Return on assets (ROA) | 0.8280% | 3,280 |
| Pretax return on assets | 1.2519% | 2,462 |
| Return on Equity (ROE) | 4.7198% | 4,646 |
| Retained earnings to average equity (ytd only) | 4.7198% | 2,631 |
| Net charge-offs to loans | 0.0128% | 4,041 |
| Credit loss provision to net charge-offs | 562.5000% | 594 |
| Earnings coverage of net charge-offs (x) | 129.4063% | 469 |
| Efficiency ratio | 54.9402% | 5,447 |
| Assets per employee ($millions) | 9.2017% | 356 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2686% | 3,073 |
| Loan loss allowance to noncurrent loans | 65.6875% | 4,494 |
| Noncurrent assets plus other real estate owned to assets | 1.8878% | 970 |
| Noncurrent loans to loans | 1.9313% | 1,102 |
| Net loans and leases to total assets | 78.4334% | 1,069 |
| Net loans and leases to deposits | 134.5318% | 29 |
| Net loans and leases to core deposits | 151.2982% | 105 |
| Total domestic deposits to total assets | 58.3010% | 6,104 |
| Equity capital to assets | 18.1481% | 304 |
| Core capital (leverage) ratio | 18.0519% | 285 |
| Tier 1 risk-based capital ratio | 28.6819% | 568 |
| Total risk-based capital ratio | 29.9363% | 557 |
| Memoranda: | ||
| Average total assets | $316,408,400 | 2,064 |
| Average earning assets | $298,163,000 | 2,026 |
| Average equity | $55,511,400 | 1,348 |
| Average total loans | $249,638,400 | 1,734 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2861% | 2,285 |
| Cost of funding earning assets | 1.2639% | 46 |
| Net interest margin | 3.0222% | 5,148 |
| Noninterest income to average assets | 0.0513% | 6,091 |
| Noninterest expense to average assets | 1.5581% | 6,004 |
| Loan and lease loss provision to assets | 0.0756% | 2,670 |
| Net operating income to assets | 0.8371% | 3,236 |
| Return on assets (ROA) | 0.8371% | 3,319 |
| Pretax return on assets | 1.2661% | 2,526 |
| Return on Equity (ROE) | 4.8119% | 4,710 |
| Retained earnings to average equity (ytd only) | 4.8119% | 3,043 |
| Net charge-offs to loans | 0.0587% | 2,765 |
| Credit loss provision to net charge-offs | 163.6364% | 1,572 |
| Earnings coverage of net charge-offs (x) | 29.0279% | 1,533 |
| Efficiency ratio | 53.7313% | 5,541 |
| Assets per employee ($millions) | 9.1427% | 357 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2413% | 3,423 |
| Loan loss allowance to noncurrent loans | 59.1232% | 4,720 |
| Noncurrent assets plus other real estate owned to assets | 2.0112% | 1,017 |
| Noncurrent loans to loans | 2.0996% | 1,078 |
| Net loans and leases to total assets | 78.6999% | 996 |
| Net loans and leases to deposits | 135.2527% | 24 |
| Net loans and leases to core deposits | 153.2358% | 95 |
| Total domestic deposits to total assets | 58.1873% | 6,190 |
| Equity capital to assets | 18.0645% | 336 |
| Core capital (leverage) ratio | 17.5661% | 329 |
| Tier 1 risk-based capital ratio | 28.1351% | 611 |
| Total risk-based capital ratio | 29.3886% | 599 |
| Memoranda: | ||
| Average total assets | $317,295,750 | 2,074 |
| Average earning assets | $299,066,500 | 2,038 |
| Average equity | $55,194,750 | 1,362 |
| Average total loans | $249,913,250 | 1,736 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2988% | 2,170 |
| Cost of funding earning assets | 1.2751% | 42 |
| Net interest margin | 3.0237% | 5,168 |
| Noninterest income to average assets | 0.0551% | 6,156 |
| Noninterest expense to average assets | 1.5652% | 6,074 |
| Loan and lease loss provision to assets | 0.0783% | 2,557 |
| Net operating income to assets | 0.8340% | 3,197 |
| Return on assets (ROA) | 0.8340% | 3,316 |
| Pretax return on assets | 1.2622% | 2,499 |
| Return on Equity (ROE) | 4.8547% | 4,682 |
| Retained earnings to average equity (ytd only) | 4.8547% | 2,952 |
| Net charge-offs to loans | 0.1420% | 1,649 |
| Credit loss provision to net charge-offs | 70.2247% | 2,463 |
| Earnings coverage of net charge-offs (x) | 12.0281% | 2,245 |
| Efficiency ratio | 53.8677% | 5,603 |
| Assets per employee ($millions) | 9.6747% | 291 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1842% | 3,886 |
| Loan loss allowance to noncurrent loans | 63.0904% | 4,664 |
| Noncurrent assets plus other real estate owned to assets | 1.8013% | 1,276 |
| Noncurrent loans to loans | 1.8770% | 1,340 |
| Net loans and leases to total assets | 77.1542% | 1,188 |
| Net loans and leases to deposits | 133.1965% | 34 |
| Net loans and leases to core deposits | 149.8203% | 107 |
| Total domestic deposits to total assets | 57.9251% | 6,264 |
| Equity capital to assets | 17.3855% | 387 |
| Core capital (leverage) ratio | 16.9830% | 369 |
| Tier 1 risk-based capital ratio | 27.7056% | 664 |
| Total risk-based capital ratio | 28.9417% | 653 |
| Memoranda: | ||
| Average total assets | $319,443,330 | 2,078 |
| Average earning assets | $301,151,000 | 2,041 |
| Average equity | $54,875,000 | 1,377 |
| Average total loans | $250,645,670 | 1,738 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3592% | 1,907 |
| Cost of funding earning assets | 1.2713% | 47 |
| Net interest margin | 3.0880% | 4,985 |
| Noninterest income to average assets | 0.0663% | 6,187 |
| Noninterest expense to average assets | 1.4822% | 6,188 |
| Loan and lease loss provision to assets | 0.1127% | 1,833 |
| Net operating income to assets | 0.9163% | 2,671 |
| Return on assets (ROA) | 0.9163% | 2,791 |
| Pretax return on assets | 1.3845% | 1,943 |
| Return on Equity (ROE) | 5.3666% | 4,348 |
| Retained earnings to average equity (ytd only) | 5.3666% | 2,851 |
| Net charge-offs to loans | 0.2785% | 865 |
| Credit loss provision to net charge-offs | 51.4286% | 2,087 |
| Earnings coverage of net charge-offs (x) | 6.8343% | 2,241 |
| Efficiency ratio | 49.7479% | 5,929 |
| Assets per employee ($millions) | 9.5232% | 300 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1679% | 4,160 |
| Loan loss allowance to noncurrent loans | 50.9066% | 4,998 |
| Noncurrent assets plus other real estate owned to assets | 2.0757% | 1,121 |
| Noncurrent loans to loans | 2.2942% | 1,078 |
| Net loans and leases to total assets | 76.3175% | 1,168 |
| Net loans and leases to deposits | 133.4862% | 30 |
| Net loans and leases to core deposits | 150.0355% | 103 |
| Total domestic deposits to total assets | 57.1726% | 6,338 |
| Equity capital to assets | 16.9626% | 430 |
| Core capital (leverage) ratio | 16.9816% | 358 |
| Tier 1 risk-based capital ratio | 27.2130% | 698 |
| Total risk-based capital ratio | 28.4630% | 678 |
| Memoranda: | ||
| Average total assets | $319,532,000 | 2,090 |
| Average earning assets | $301,429,500 | 2,044 |
| Average equity | $54,559,500 | 1,394 |
| Average total loans | $251,329,000 | 1,733 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3129% | 2,559 |
| Cost of funding earning assets | 1.2963% | 55 |
| Net interest margin | 3.0166% | 5,414 |
| Noninterest income to average assets | 0.2166% | 5,557 |
| Noninterest expense to average assets | 1.5956% | 6,242 |
| Loan and lease loss provision to assets | 0.0909% | 2,647 |
| Net operating income to assets | 0.9029% | 2,855 |
| Return on assets (ROA) | 0.9029% | 2,947 |
| Pretax return on assets | 1.3700% | 2,003 |
| Return on Equity (ROE) | 4.9720% | 4,679 |
| Retained earnings to average equity (ytd only) | 4.9720% | 2,619 |
| Net charge-offs to loans | 0.1600% | 2,429 |
| Credit loss provision to net charge-offs | 71.9697% | 3,023 |
| Earnings coverage of net charge-offs (x) | 11.5631% | 2,476 |
| Efficiency ratio | 52.2025% | 5,963 |
| Assets per employee ($millions) | 8.7577% | 387 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1895% | 4,069 |
| Loan loss allowance to noncurrent loans | 54.0370% | 4,987 |
| Noncurrent assets plus other real estate owned to assets | 2.0925% | 1,185 |
| Noncurrent loans to loans | 2.2012% | 1,210 |
| Net loans and leases to total assets | 79.1770% | 860 |
| Net loans and leases to deposits | 136.7529% | 29 |
| Net loans and leases to core deposits | 153.9352% | 100 |
| Total domestic deposits to total assets | 57.8978% | 6,423 |
| Equity capital to assets | 17.1900% | 399 |
| Core capital (leverage) ratio | 16.9086% | 378 |
| Tier 1 risk-based capital ratio | 26.8429% | 695 |
| Total risk-based capital ratio | 28.0901% | 677 |
| Memoranda: | ||
| Average total assets | $313,433,400 | 2,071 |
| Average earning assets | $295,065,800 | 2,034 |
| Average equity | $56,918,200 | 1,288 |
| Average total loans | $247,524,600 | 1,702 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3117% | 2,576 |
| Cost of funding earning assets | 1.2943% | 56 |
| Net interest margin | 3.0174% | 5,469 |
| Noninterest income to average assets | 0.2688% | 5,282 |
| Noninterest expense to average assets | 1.5801% | 6,305 |
| Loan and lease loss provision to assets | 0.0993% | 2,386 |
| Net operating income to assets | 0.9466% | 2,702 |
| Return on assets (ROA) | 0.9466% | 2,790 |
| Pretax return on assets | 1.4288% | 1,892 |
| Return on Equity (ROE) | 5.1435% | 4,654 |
| Retained earnings to average equity (ytd only) | 5.1435% | 2,991 |
| Net charge-offs to loans | 0.2160% | 1,743 |
| Credit loss provision to net charge-offs | 58.3960% | 2,966 |
| Earnings coverage of net charge-offs (x) | 8.9899% | 2,728 |
| Efficiency ratio | 50.8361% | 6,061 |
| Assets per employee ($millions) | 8.7589% | 375 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1840% | 4,317 |
| Loan loss allowance to noncurrent loans | 51.1088% | 5,111 |
| Noncurrent assets plus other real estate owned to assets | 2.1191% | 1,326 |
| Noncurrent loans to loans | 2.3165% | 1,293 |
| Net loans and leases to total assets | 78.0842% | 948 |
| Net loans and leases to deposits | 138.2718% | 25 |
| Net loans and leases to core deposits | 155.4486% | 87 |
| Total domestic deposits to total assets | 56.4715% | 6,512 |
| Equity capital to assets | 18.5910% | 295 |
| Core capital (leverage) ratio | 18.5029% | 275 |
| Tier 1 risk-based capital ratio | 29.1160% | 572 |
| Total risk-based capital ratio | 30.3692% | 560 |
| Memoranda: | ||
| Average total assets | $312,972,750 | 2,088 |
| Average earning assets | $294,507,000 | 2,049 |
| Average equity | $57,598,750 | 1,273 |
| Average total loans | $246,248,000 | 1,722 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3250% | 2,499 |
| Cost of funding earning assets | 1.2910% | 60 |
| Net interest margin | 3.0340% | 5,432 |
| Noninterest income to average assets | 0.3812% | 4,393 |
| Noninterest expense to average assets | 1.5811% | 6,375 |
| Loan and lease loss provision to assets | 0.1140% | 2,132 |
| Net operating income to assets | 1.0160% | 2,264 |
| Return on assets (ROA) | 1.0160% | 2,330 |
| Pretax return on assets | 1.5420% | 1,419 |
| Return on Equity (ROE) | 5.5398% | 4,417 |
| Retained earnings to average equity (ytd only) | 5.5398% | 2,617 |
| Net charge-offs to loans | 0.0408% | 3,414 |
| Credit loss provision to net charge-offs | 356.0000% | 754 |
| Earnings coverage of net charge-offs (x) | 51.7000% | 892 |
| Efficiency ratio | 48.8423% | 6,235 |
| Assets per employee ($millions) | 8.4880% | 400 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3067% | 3,821 |
| Loan loss allowance to noncurrent loans | 62.3846% | 4,735 |
| Noncurrent assets plus other real estate owned to assets | 1.8560% | 1,755 |
| Noncurrent loans to loans | 2.0946% | 1,599 |
| Net loans and leases to total assets | 78.0158% | 907 |
| Net loans and leases to deposits | 138.0329% | 24 |
| Net loans and leases to core deposits | 150.8270% | 96 |
| Total domestic deposits to total assets | 56.5197% | 6,579 |
| Equity capital to assets | 18.4648% | 299 |
| Core capital (leverage) ratio | 18.3211% | 280 |
| Tier 1 risk-based capital ratio | 29.0286% | 577 |
| Total risk-based capital ratio | 30.2833% | 565 |
| Memoranda: | ||
| Average total assets | $312,190,330 | 2,095 |
| Average earning assets | $293,873,000 | 2,047 |
| Average equity | $57,258,000 | 1,274 |
| Average total loans | $245,275,670 | 1,726 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3202% | 2,444 |
| Cost of funding earning assets | 1.2898% | 64 |
| Net interest margin | 3.0304% | 5,444 |
| Noninterest income to average assets | 0.7235% | 2,065 |
| Noninterest expense to average assets | 1.4894% | 6,501 |
| Loan and lease loss provision to assets | 0.1157% | 2,029 |
| Net operating income to assets | 1.2992% | 1,213 |
| Return on assets (ROA) | 1.2992% | 1,259 |
| Pretax return on assets | 1.9688% | 567 |
| Return on Equity (ROE) | 7.1082% | 3,407 |
| Retained earnings to average equity (ytd only) | 7.1082% | 1,977 |
| Net charge-offs to loans | 0.0148% | 3,298 |
| Credit loss provision to net charge-offs | 1,000.0000% | 304 |
| Earnings coverage of net charge-offs (x) | 180.2222% | 275 |
| Efficiency ratio | 41.6757% | 6,559 |
| Assets per employee ($millions) | 8.1962% | 438 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3073% | 4,089 |
| Loan loss allowance to noncurrent loans | 66.1631% | 4,629 |
| Noncurrent assets plus other real estate owned to assets | 1.7447% | 2,021 |
| Noncurrent loans to loans | 1.9758% | 1,890 |
| Net loans and leases to total assets | 77.4940% | 817 |
| Net loans and leases to deposits | 137.5782% | 29 |
| Net loans and leases to core deposits | 150.9834% | 95 |
| Total domestic deposits to total assets | 56.3272% | 6,653 |
| Equity capital to assets | 18.4299% | 297 |
| Core capital (leverage) ratio | 18.2478% | 294 |
| Tier 1 risk-based capital ratio | 29.3317% | 558 |
| Total risk-based capital ratio | 30.5368% | 552 |
| Memoranda: | ||
| Average total assets | $311,257,000 | 2,104 |
| Average earning assets | $292,766,500 | 2,060 |
| Average equity | $56,892,000 | 1,281 |
| Average total loans | $243,784,500 | 1,733 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4668% | 2,338 |
| Cost of funding earning assets | 1.4580% | 56 |
| Net interest margin | 3.0089% | 5,561 |
| Noninterest income to average assets | 0.1026% | 6,381 |
| Noninterest expense to average assets | 1.5423% | 6,549 |
| Loan and lease loss provision to assets | 0.1536% | 2,357 |
| Net operating income to assets | 0.8239% | 3,167 |
| Return on assets (ROA) | 0.8239% | 3,257 |
| Pretax return on assets | 1.2320% | 2,447 |
| Return on Equity (ROE) | 4.6821% | 4,790 |
| Retained earnings to average equity (ytd only) | 4.6821% | 2,825 |
| Net charge-offs to loans | 0.0756% | 4,150 |
| Credit loss provision to net charge-offs | 266.2983% | 854 |
| Earnings coverage of net charge-offs (x) | 24.0276% | 1,386 |
| Efficiency ratio | 52.6768% | 6,234 |
| Assets per employee ($millions) | 8.1858% | 432 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2822% | 4,222 |
| Loan loss allowance to noncurrent loans | 83.8762% | 4,069 |
| Noncurrent assets plus other real estate owned to assets | 1.3846% | 2,672 |
| Noncurrent loans to loans | 1.5287% | 2,599 |
| Net loans and leases to total assets | 77.1227% | 936 |
| Net loans and leases to deposits | 135.9991% | 29 |
| Net loans and leases to core deposits | 150.3576% | 98 |
| Total domestic deposits to total assets | 56.7082% | 6,732 |
| Equity capital to assets | 18.1261% | 310 |
| Core capital (leverage) ratio | 17.6717% | 316 |
| Tier 1 risk-based capital ratio | 28.7563% | 570 |
| Total risk-based capital ratio | 30.0052% | 561 |
| Memoranda: | ||
| Average total assets | $313,876,400 | 2,051 |
| Average earning assets | $294,727,600 | 2,011 |
| Average equity | $55,232,200 | 1,292 |
| Average total loans | $239,419,200 | 1,730 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4832% | 2,296 |
| Cost of funding earning assets | 1.4760% | 55 |
| Net interest margin | 3.0072% | 5,574 |
| Noninterest income to average assets | 0.1157% | 6,432 |
| Noninterest expense to average assets | 1.5283% | 6,619 |
| Loan and lease loss provision to assets | 0.1759% | 2,069 |
| Net operating income to assets | 0.8290% | 3,200 |
| Return on assets (ROA) | 0.8290% | 3,321 |
| Pretax return on assets | 1.2342% | 2,564 |
| Return on Equity (ROE) | 4.7465% | 4,854 |
| Retained earnings to average equity (ytd only) | 4.7465% | 3,273 |
| Net charge-offs to loans | 0.1084% | 3,456 |
| Credit loss provision to net charge-offs | 213.9175% | 1,136 |
| Earnings coverage of net charge-offs (x) | 17.1495% | 1,752 |
| Efficiency ratio | 52.0121% | 6,252 |
| Assets per employee ($millions) | 8.0648% | 449 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2513% | 4,633 |
| Loan loss allowance to noncurrent loans | 70.3755% | 4,400 |
| Noncurrent assets plus other real estate owned to assets | 1.7235% | 2,380 |
| Noncurrent loans to loans | 1.7780% | 2,528 |
| Net loans and leases to total assets | 76.1749% | 980 |
| Net loans and leases to deposits | 136.6977% | 28 |
| Net loans and leases to core deposits | 151.8122% | 88 |
| Total domestic deposits to total assets | 55.7251% | 6,815 |
| Equity capital to assets | 17.7257% | 350 |
| Core capital (leverage) ratio | 17.4263% | 345 |
| Tier 1 risk-based capital ratio | 28.2037% | 618 |
| Total risk-based capital ratio | 29.4622% | 602 |
| Memoranda: | ||
| Average total assets | $314,580,750 | 2,056 |
| Average earning assets | $295,288,250 | 2,012 |
| Average equity | $54,944,500 | 1,309 |
| Average total loans | $238,520,750 | 1,738 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4839% | 2,259 |
| Cost of funding earning assets | 1.4639% | 65 |
| Net interest margin | 3.0200% | 5,522 |
| Noninterest income to average assets | 0.0464% | 6,682 |
| Noninterest expense to average assets | 1.5614% | 6,624 |
| Loan and lease loss provision to assets | 0.0954% | 3,200 |
| Net operating income to assets | 0.8201% | 3,193 |
| Return on assets (ROA) | 0.8201% | 3,351 |
| Pretax return on assets | 1.2225% | 2,581 |
| Return on Equity (ROE) | 4.7188% | 4,888 |
| Retained earnings to average equity (ytd only) | 4.7188% | 3,253 |
| Net charge-offs to loans | 0.0810% | 3,564 |
| Credit loss provision to net charge-offs | 156.2500% | 1,478 |
| Earnings coverage of net charge-offs (x) | 21.5938% | 1,410 |
| Efficiency ratio | 54.2283% | 6,127 |
| Assets per employee ($millions) | 7.5210% | 556 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2145% | 4,909 |
| Loan loss allowance to noncurrent loans | 63.8549% | 4,632 |
| Noncurrent assets plus other real estate owned to assets | 1.7750% | 2,448 |
| Noncurrent loans to loans | 1.9019% | 2,504 |
| Net loans and leases to total assets | 73.8773% | 1,269 |
| Net loans and leases to deposits | 131.7293% | 37 |
| Net loans and leases to core deposits | 143.7685% | 114 |
| Total domestic deposits to total assets | 56.0827% | 6,860 |
| Equity capital to assets | 17.4736% | 370 |
| Core capital (leverage) ratio | 17.2144% | 353 |
| Tier 1 risk-based capital ratio | 27.8230% | 637 |
| Total risk-based capital ratio | 29.0803% | 627 |
| Memoranda: | ||
| Average total assets | $314,599,000 | 2,062 |
| Average earning assets | $295,097,330 | 2,013 |
| Average equity | $54,675,330 | 1,318 |
| Average total loans | $237,152,330 | 1,740 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4876% | 2,210 |
| Cost of funding earning assets | 1.4664% | 68 |
| Net interest margin | 3.0212% | 5,513 |
| Noninterest income to average assets | 0.0484% | 6,739 |
| Noninterest expense to average assets | 1.4894% | 6,751 |
| Loan and lease loss provision to assets | 0.0917% | 3,128 |
| Net operating income to assets | 0.8804% | 2,747 |
| Return on assets (ROA) | 0.8804% | 2,897 |
| Pretax return on assets | 1.3021% | 2,224 |
| Return on Equity (ROE) | 5.0795% | 4,526 |
| Retained earnings to average equity (ytd only) | 5.0795% | 3,186 |
| Net charge-offs to loans | 0.1347% | 2,600 |
| Credit loss provision to net charge-offs | 90.0000% | 2,023 |
| Earnings coverage of net charge-offs (x) | 13.6750% | 1,510 |
| Efficiency ratio | 51.6571% | 6,400 |
| Assets per employee ($millions) | 8.0960% | 471 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1922% | 5,214 |
| Loan loss allowance to noncurrent loans | 58.1641% | 4,805 |
| Noncurrent assets plus other real estate owned to assets | 1.9095% | 2,464 |
| Noncurrent loans to loans | 2.0498% | 2,568 |
| Net loans and leases to total assets | 73.6781% | 1,123 |
| Net loans and leases to deposits | 130.9616% | 35 |
| Net loans and leases to core deposits | 142.9102% | 116 |
| Total domestic deposits to total assets | 56.2593% | 6,936 |
| Equity capital to assets | 17.3371% | 389 |
| Core capital (leverage) ratio | 17.1596% | 338 |
| Tier 1 risk-based capital ratio | 26.7612% | 729 |
| Total risk-based capital ratio | 27.9412% | 722 |
| Memoranda: | ||
| Average total assets | $313,957,500 | 2,088 |
| Average earning assets | $294,589,500 | 2,043 |
| Average equity | $54,415,000 | 1,340 |
| Average total loans | $237,611,500 | 1,747 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5747% | 3,102 |
| Cost of funding earning assets | 1.5158% | 154 |
| Net interest margin | 3.0589% | 5,909 |
| Noninterest income to average assets | 0.0696% | 6,621 |
| Noninterest expense to average assets | 1.5011% | 6,870 |
| Loan and lease loss provision to assets | 0.0927% | 4,513 |
| Net operating income to assets | 0.8897% | 2,867 |
| Return on assets (ROA) | 0.8897% | 3,108 |
| Pretax return on assets | 1.3915% | 2,070 |
| Return on Equity (ROE) | 5.3250% | 4,520 |
| Retained earnings to average equity (ytd only) | 5.3250% | 2,487 |
| Net charge-offs to loans | 0.0829% | 4,850 |
| Credit loss provision to net charge-offs | 145.2736% | 1,881 |
| Earnings coverage of net charge-offs (x) | 23.2488% | 1,227 |
| Efficiency ratio | 50.2819% | 6,577 |
| Assets per employee ($millions) | 8.0044% | 499 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1740% | 5,242 |
| Loan loss allowance to noncurrent loans | 42.1786% | 5,524 |
| Noncurrent assets plus other real estate owned to assets | 2.2430% | 2,185 |
| Noncurrent loans to loans | 2.7834% | 1,894 |
| Net loans and leases to total assets | 75.9093% | 923 |
| Net loans and leases to deposits | 135.5269% | 34 |
| Net loans and leases to core deposits | 148.1806% | 112 |
| Total domestic deposits to total assets | 56.0105% | 6,996 |
| Equity capital to assets | 17.3268% | 381 |
| Core capital (leverage) ratio | 17.0519% | 349 |
| Tier 1 risk-based capital ratio | 26.9271% | 695 |
| Total risk-based capital ratio | 28.1842% | 687 |
| Memoranda: | ||
| Average total assets | $314,833,400 | 2,040 |
| Average earning assets | $300,107,600 | 1,970 |
| Average equity | $52,601,200 | 1,356 |
| Average total loans | $242,352,600 | 1,703 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5887% | 3,254 |
| Cost of funding earning assets | 1.5201% | 184 |
| Net interest margin | 3.0685% | 6,018 |
| Noninterest income to average assets | 0.0714% | 6,733 |
| Noninterest expense to average assets | 1.4745% | 6,952 |
| Loan and lease loss provision to assets | 0.0989% | 4,329 |
| Net operating income to assets | 0.9115% | 2,923 |
| Return on assets (ROA) | 0.9115% | 3,154 |
| Pretax return on assets | 1.4343% | 2,134 |
| Return on Equity (ROE) | 5.5064% | 4,595 |
| Retained earnings to average equity (ytd only) | 5.5064% | 3,033 |
| Net charge-offs to loans | 0.1235% | 4,139 |
| Credit loss provision to net charge-offs | 104.0000% | 2,834 |
| Earnings coverage of net charge-offs (x) | 16.1246% | 1,710 |
| Efficiency ratio | 49.0235% | 6,659 |
| Assets per employee ($millions) | 7.9875% | 480 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1371% | 5,571 |
| Loan loss allowance to noncurrent loans | 43.5885% | 5,476 |
| Noncurrent assets plus other real estate owned to assets | 2.1534% | 2,489 |
| Noncurrent loans to loans | 2.6088% | 2,190 |
| Net loans and leases to total assets | 76.2769% | 926 |
| Net loans and leases to deposits | 135.9961% | 34 |
| Net loans and leases to core deposits | 148.6918% | 115 |
| Total domestic deposits to total assets | 56.0876% | 7,092 |
| Equity capital to assets | 17.1580% | 438 |
| Core capital (leverage) ratio | 16.6971% | 402 |
| Tier 1 risk-based capital ratio | 27.3861% | 709 |
| Total risk-based capital ratio | 28.6375% | 689 |
| Memoranda: | ||
| Average total assets | $315,499,250 | 2,061 |
| Average earning assets | $301,894,500 | 1,973 |
| Average equity | $52,229,250 | 1,369 |
| Average total loans | $242,995,500 | 1,710 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6149% | 3,296 |
| Cost of funding earning assets | 1.5236% | 220 |
| Net interest margin | 3.0913% | 6,033 |
| Noninterest income to average assets | 0.0530% | 6,846 |
| Noninterest expense to average assets | 1.5112% | 7,000 |
| Loan and lease loss provision to assets | 0.1168% | 4,061 |
| Net operating income to assets | 0.8655% | 3,060 |
| Return on assets (ROA) | 0.8655% | 3,327 |
| Pretax return on assets | 1.3850% | 2,258 |
| Return on Equity (ROE) | 5.2911% | 4,670 |
| Retained earnings to average equity (ytd only) | 5.2911% | 3,102 |
| Net charge-offs to loans | 0.1681% | 3,596 |
| Credit loss provision to net charge-offs | 90.2439% | 3,043 |
| Earnings coverage of net charge-offs (x) | 11.6049% | 1,947 |
| Efficiency ratio | 50.1571% | 6,634 |
| Assets per employee ($millions) | 8.1146% | 447 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1178% | 5,711 |
| Loan loss allowance to noncurrent loans | 41.6859% | 5,569 |
| Noncurrent assets plus other real estate owned to assets | 2.1870% | 2,549 |
| Noncurrent loans to loans | 2.6814% | 2,241 |
| Net loans and leases to total assets | 75.6130% | 1,018 |
| Net loans and leases to deposits | 132.7506% | 38 |
| Net loans and leases to core deposits | 145.2176% | 123 |
| Total domestic deposits to total assets | 56.9587% | 7,157 |
| Equity capital to assets | 16.6342% | 493 |
| Core capital (leverage) ratio | 16.2773% | 435 |
| Tier 1 risk-based capital ratio | 28.2136% | 629 |
| Total risk-based capital ratio | 29.4717% | 617 |
| Memoranda: | ||
| Average total assets | $316,828,670 | 2,047 |
| Average earning assets | $303,368,330 | 1,961 |
| Average equity | $51,822,670 | 1,370 |
| Average total loans | $243,879,330 | 1,699 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6237% | 3,391 |
| Cost of funding earning assets | 1.5386% | 242 |
| Net interest margin | 3.0851% | 6,097 |
| Noninterest income to average assets | 0.0618% | 6,890 |
| Noninterest expense to average assets | 1.4145% | 7,109 |
| Loan and lease loss provision to assets | 0.1123% | 3,955 |
| Net operating income to assets | 0.9060% | 2,889 |
| Return on assets (ROA) | 0.9060% | 3,111 |
| Pretax return on assets | 1.4902% | 1,894 |
| Return on Equity (ROE) | 5.5861% | 4,511 |
| Retained earnings to average equity (ytd only) | 5.5861% | 3,216 |
| Net charge-offs to loans | 0.0539% | 3,961 |
| Credit loss provision to net charge-offs | 269.6970% | 1,081 |
| Earnings coverage of net charge-offs (x) | 38.4848% | 767 |
| Efficiency ratio | 46.8841% | 6,858 |
| Assets per employee ($millions) | 8.3598% | 416 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1381% | 5,764 |
| Loan loss allowance to noncurrent loans | 66.6667% | 4,176 |
| Noncurrent assets plus other real estate owned to assets | 1.3876% | 3,791 |
| Noncurrent loans to loans | 1.7072% | 3,552 |
| Net loans and leases to total assets | 76.0165% | 795 |
| Net loans and leases to deposits | 132.4201% | 42 |
| Net loans and leases to core deposits | 143.4450% | 130 |
| Total domestic deposits to total assets | 57.4056% | 7,214 |
| Equity capital to assets | 16.2973% | 531 |
| Core capital (leverage) ratio | 16.0579% | 455 |
| Tier 1 risk-based capital ratio | 26.9327% | 741 |
| Total risk-based capital ratio | 28.1851% | 726 |
| Memoranda: | ||
| Average total assets | $317,009,000 | 2,054 |
| Average earning assets | $303,653,500 | 1,962 |
| Average equity | $51,413,000 | 1,379 |
| Average total loans | $244,821,000 | 1,690 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8122% | 3,754 |
| Cost of funding earning assets | 1.7385% | 277 |
| Net interest margin | 3.0737% | 6,398 |
| Noninterest income to average assets | 0.0420% | 6,866 |
| Noninterest expense to average assets | 1.4969% | 7,167 |
| Loan and lease loss provision to assets | 0.3023% | 3,251 |
| Net operating income to assets | 0.7897% | 3,081 |
| Return on assets (ROA) | 0.8409% | 3,026 |
| Pretax return on assets | 1.2646% | 2,254 |
| Return on Equity (ROE) | 5.4137% | 4,188 |
| Retained earnings to average equity (ytd only) | 5.4137% | 2,360 |
| Net charge-offs to loans | 0.1945% | 4,589 |
| Credit loss provision to net charge-offs | 203.9916% | 1,220 |
| Earnings coverage of net charge-offs (x) | 10.0504% | 1,891 |
| Efficiency ratio | 50.1251% | 6,827 |
| Assets per employee ($millions) | 7.9086% | 488 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1105% | 5,776 |
| Loan loss allowance to noncurrent loans | 69.7109% | 4,069 |
| Noncurrent assets plus other real estate owned to assets | 1.4984% | 3,703 |
| Noncurrent loans to loans | 1.5931% | 3,772 |
| Net loans and leases to total assets | 76.7052% | 865 |
| Net loans and leases to deposits | 133.3551% | 47 |
| Net loans and leases to core deposits | 146.5252% | 144 |
| Total domestic deposits to total assets | 57.5195% | 7,254 |
| Equity capital to assets | 16.1387% | 562 |
| Core capital (leverage) ratio | 16.0017% | 462 |
| Tier 1 risk-based capital ratio | 26.0896% | 769 |
| Total risk-based capital ratio | 27.4566% | 747 |
| Memoranda: | ||
| Average total assets | $321,201,400 | 2,003 |
| Average earning assets | $307,677,800 | 1,909 |
| Average equity | $49,892,000 | 1,367 |
| Average total loans | $244,728,400 | 1,709 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8251% | 3,912 |
| Cost of funding earning assets | 1.7706% | 293 |
| Net interest margin | 3.0545% | 6,486 |
| Noninterest income to average assets | 0.0190% | 7,050 |
| Noninterest expense to average assets | 1.4730% | 7,245 |
| Loan and lease loss provision to assets | 0.3226% | 2,954 |
| Net operating income to assets | 0.7672% | 3,310 |
| Return on assets (ROA) | 0.8362% | 3,155 |
| Pretax return on assets | 1.2534% | 2,452 |
| Return on Equity (ROE) | 5.4352% | 4,315 |
| Retained earnings to average equity (ytd only) | 5.4352% | 2,886 |
| Net charge-offs to loans | 0.1325% | 4,728 |
| Credit loss provision to net charge-offs | 320.9877% | 879 |
| Earnings coverage of net charge-offs (x) | 14.6585% | 1,519 |
| Efficiency ratio | 50.0000% | 6,829 |
| Assets per employee ($millions) | 8.0100% | 464 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1064% | 5,864 |
| Loan loss allowance to noncurrent loans | 65.8810% | 4,164 |
| Noncurrent assets plus other real estate owned to assets | 1.4220% | 3,994 |
| Noncurrent loans to loans | 1.6794% | 3,788 |
| Net loans and leases to total assets | 77.1923% | 816 |
| Net loans and leases to deposits | 132.4988% | 44 |
| Net loans and leases to core deposits | 145.6318% | 151 |
| Total domestic deposits to total assets | 58.2589% | 7,322 |
| Equity capital to assets | 15.7100% | 685 |
| Core capital (leverage) ratio | 15.5846% | 563 |
| Tier 1 risk-based capital ratio | 25.3373% | 880 |
| Total risk-based capital ratio | 26.6814% | 864 |
| Memoranda: | ||
| Average total assets | $322,415,500 | 2,002 |
| Average earning assets | $308,958,250 | 1,912 |
| Average equity | $49,601,500 | 1,378 |
| Average total loans | $244,566,000 | 1,724 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8310% | 3,947 |
| Cost of funding earning assets | 1.7610% | 362 |
| Net interest margin | 3.0700% | 6,465 |
| Noninterest income to average assets | 0.0700% | 6,960 |
| Noninterest expense to average assets | 1.5086% | 7,296 |
| Loan and lease loss provision to assets | 0.4339% | 2,256 |
| Net operating income to assets | 0.7126% | 3,479 |
| Return on assets (ROA) | 0.8159% | 3,129 |
| Pretax return on assets | 1.2244% | 2,387 |
| Return on Equity (ROE) | 5.3407% | 4,287 |
| Retained earnings to average equity (ytd only) | 5.3407% | 2,781 |
| Net charge-offs to loans | 0.1574% | 4,239 |
| Credit loss provision to net charge-offs | 367.0157% | 833 |
| Earnings coverage of net charge-offs (x) | 12.7225% | 1,604 |
| Efficiency ratio | 50.0719% | 6,933 |
| Assets per employee ($millions) | 8.0262% | 457 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1202% | 5,875 |
| Loan loss allowance to noncurrent loans | 98.4195% | 2,937 |
| Noncurrent assets plus other real estate owned to assets | 0.9825% | 4,900 |
| Noncurrent loans to loans | 1.1381% | 4,755 |
| Net loans and leases to total assets | 73.4999% | 1,504 |
| Net loans and leases to deposits | 126.6436% | 69 |
| Net loans and leases to core deposits | 138.3516% | 194 |
| Total domestic deposits to total assets | 58.0368% | 7,390 |
| Equity capital to assets | 15.1528% | 783 |
| Core capital (leverage) ratio | 14.9696% | 668 |
| Tier 1 risk-based capital ratio | 24.6393% | 938 |
| Total risk-based capital ratio | 26.0980% | 899 |
| Memoranda: | ||
| Average total assets | $323,087,000 | 2,007 |
| Average earning assets | $309,707,670 | 1,915 |
| Average equity | $49,357,000 | 1,368 |
| Average total loans | $242,724,000 | 1,758 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9165% | 3,502 |
| Cost of funding earning assets | 1.7709% | 420 |
| Net interest margin | 3.1456% | 6,229 |
| Noninterest income to average assets | 0.0700% | 7,037 |
| Noninterest expense to average assets | 1.3259% | 7,442 |
| Loan and lease loss provision to assets | 0.5636% | 1,532 |
| Net operating income to assets | 0.7975% | 3,048 |
| Return on assets (ROA) | 1.0060% | 2,215 |
| Pretax return on assets | 1.5083% | 1,422 |
| Return on Equity (ROE) | 6.5576% | 3,599 |
| Retained earnings to average equity (ytd only) | 6.5576% | 2,344 |
| Net charge-offs to loans | 0.2002% | 3,307 |
| Credit loss provision to net charge-offs | 372.7273% | 889 |
| Earnings coverage of net charge-offs (x) | 11.6446% | 1,538 |
| Efficiency ratio | 42.9555% | 7,321 |
| Assets per employee ($millions) | 8.4423% | 406 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0606% | 6,187 |
| Loan loss allowance to noncurrent loans | 114.4390% | 2,532 |
| Noncurrent assets plus other real estate owned to assets | 0.8373% | 5,232 |
| Noncurrent loans to loans | 0.9268% | 5,181 |
| Net loans and leases to total assets | 74.4426% | 1,277 |
| Net loans and leases to deposits | 130.6517% | 55 |
| Net loans and leases to core deposits | 143.4293% | 177 |
| Total domestic deposits to total assets | 56.9779% | 7,453 |
| Equity capital to assets | 15.4242% | 677 |
| Core capital (leverage) ratio | 15.2022% | 625 |
| Tier 1 risk-based capital ratio | 24.6150% | 920 |
| Total risk-based capital ratio | 26.1413% | 870 |
| Memoranda: | ||
| Average total assets | $320,093,500 | 2,034 |
| Average earning assets | $306,965,500 | 1,943 |
| Average equity | $49,103,500 | 1,358 |
| Average total loans | $241,781,500 | 1,780 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0368% | 4,381 |
| Cost of funding earning assets | 2.0047% | 598 |
| Net interest margin | 3.0321% | 6,677 |
| Noninterest income to average assets | 0.1180% | 6,818 |
| Noninterest expense to average assets | 1.3518% | 7,503 |
| Loan and lease loss provision to assets | 0.1563% | 5,643 |
| Net operating income to assets | 1.0221% | 1,958 |
| Return on assets (ROA) | 1.0407% | 2,008 |
| Pretax return on assets | 1.5527% | 1,241 |
| Return on Equity (ROE) | 7.1365% | 3,053 |
| Retained earnings to average equity (ytd only) | 7.1365% | 1,266 |
| Net charge-offs to loans | 0.0900% | 5,939 |
| Credit loss provision to net charge-offs | 236.7925% | 1,233 |
| Earnings coverage of net charge-offs (x) | 25.4670% | 839 |
| Efficiency ratio | 44.5688% | 7,398 |
| Assets per employee ($millions) | 9.3935% | 295 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9208% | 6,663 |
| Loan loss allowance to noncurrent loans | 75.0084% | 3,727 |
| Noncurrent assets plus other real estate owned to assets | 1.0715% | 4,863 |
| Noncurrent loans to loans | 1.2276% | 4,678 |
| Net loans and leases to total assets | 75.1318% | 1,450 |
| Net loans and leases to deposits | 131.6371% | 64 |
| Net loans and leases to core deposits | 142.6874% | 209 |
| Total domestic deposits to total assets | 57.0750% | 7,530 |
| Equity capital to assets | 15.2561% | 733 |
| Core capital (leverage) ratio | 15.0198% | 661 |
| Tier 1 risk-based capital ratio | 24.0290% | 930 |
| Total risk-based capital ratio | 25.4466% | 899 |
| Memoranda: | ||
| Average total assets | $321,128,200 | 2,028 |
| Average earning assets | $308,726,600 | 1,928 |
| Average equity | $46,830,000 | 1,428 |
| Average total loans | $235,454,600 | 1,855 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0734% | 4,460 |
| Cost of funding earning assets | 2.0500% | 638 |
| Net interest margin | 3.0234% | 6,784 |
| Noninterest income to average assets | 0.1215% | 6,948 |
| Noninterest expense to average assets | 1.3127% | 7,631 |
| Loan and lease loss provision to assets | 0.1401% | 5,628 |
| Net operating income to assets | 1.0565% | 2,048 |
| Return on assets (ROA) | 1.0565% | 2,155 |
| Pretax return on assets | 1.5764% | 1,403 |
| Return on Equity (ROE) | 7.3286% | 3,195 |
| Retained earnings to average equity (ytd only) | 7.3286% | 1,686 |
| Net charge-offs to loans | 0.0416% | 6,125 |
| Credit loss provision to net charge-offs | 463.0137% | 646 |
| Earnings coverage of net charge-offs (x) | 56.7128% | 511 |
| Efficiency ratio | 43.3342% | 7,487 |
| Assets per employee ($millions) | 8.8790% | 365 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9143% | 6,695 |
| Loan loss allowance to noncurrent loans | 91.9133% | 2,991 |
| Noncurrent assets plus other real estate owned to assets | 0.7508% | 5,603 |
| Noncurrent loans to loans | 0.9947% | 5,247 |
| Net loans and leases to total assets | 74.7604% | 1,627 |
| Net loans and leases to deposits | 130.5538% | 67 |
| Net loans and leases to core deposits | 141.6562% | 243 |
| Total domestic deposits to total assets | 57.2640% | 7,628 |
| Equity capital to assets | 15.0339% | 883 |
| Core capital (leverage) ratio | 14.7641% | 765 |
| Tier 1 risk-based capital ratio | 23.6902% | 983 |
| Total risk-based capital ratio | 24.6510% | 991 |
| Memoranda: | ||
| Average total assets | $321,565,250 | 2,054 |
| Average earning assets | $309,264,250 | 1,956 |
| Average equity | $46,356,250 | 1,458 |
| Average total loans | $233,771,750 | 1,893 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0890% | 4,514 |
| Cost of funding earning assets | 2.1070% | 641 |
| Net interest margin | 2.9820% | 6,863 |
| Noninterest income to average assets | 0.1335% | 6,921 |
| Noninterest expense to average assets | 1.3060% | 7,707 |
| Loan and lease loss provision to assets | 0.1198% | 5,701 |
| Net operating income to assets | 1.0552% | 1,998 |
| Return on assets (ROA) | 1.0552% | 2,067 |
| Pretax return on assets | 1.5760% | 1,370 |
| Return on Equity (ROE) | 7.4252% | 3,140 |
| Retained earnings to average equity (ytd only) | 7.4252% | 1,667 |
| Net charge-offs to loans | 0.0285% | 5,936 |
| Credit loss provision to net charge-offs | 584.8485% | 640 |
| Earnings coverage of net charge-offs (x) | 82.7879% | 388 |
| Efficiency ratio | 43.5070% | 7,540 |
| Assets per employee ($millions) | 9.3239% | 307 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9034% | 6,749 |
| Loan loss allowance to noncurrent loans | 144.4292% | 1,921 |
| Noncurrent assets plus other real estate owned to assets | 0.5170% | 6,174 |
| Noncurrent loans to loans | 0.6255% | 5,997 |
| Net loans and leases to total assets | 70.5925% | 2,771 |
| Net loans and leases to deposits | 123.0447% | 102 |
| Net loans and leases to core deposits | 133.4384% | 372 |
| Total domestic deposits to total assets | 57.3714% | 7,694 |
| Equity capital to assets | 14.3996% | 1,037 |
| Core capital (leverage) ratio | 14.1903% | 880 |
| Tier 1 risk-based capital ratio | 23.8803% | 951 |
| Total risk-based capital ratio | 24.8113% | 970 |
| Memoranda: | ||
| Average total assets | $322,205,670 | 2,058 |
| Average earning assets | $309,921,670 | 1,960 |
| Average equity | $45,790,000 | 1,468 |
| Average total loans | $231,305,000 | 1,934 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1600% | 4,241 |
| Cost of funding earning assets | 2.2025% | 585 |
| Net interest margin | 2.9575% | 6,929 |
| Noninterest income to average assets | 0.0587% | 7,423 |
| Noninterest expense to average assets | 1.1820% | 7,834 |
| Loan and lease loss provision to assets | 0.0725% | 5,912 |
| Net operating income to assets | 1.1033% | 1,820 |
| Return on assets (ROA) | 1.1033% | 1,905 |
| Pretax return on assets | 1.6480% | 1,167 |
| Return on Equity (ROE) | 7.8160% | 2,972 |
| Retained earnings to average equity (ytd only) | 7.8160% | 1,785 |
| Net charge-offs to loans | 0.0659% | 4,749 |
| Credit loss provision to net charge-offs | 152.6316% | 2,348 |
| Earnings coverage of net charge-offs (x) | 36.2368% | 756 |
| Efficiency ratio | 40.7232% | 7,713 |
| Assets per employee ($millions) | 9.7508% | 286 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8578% | 6,966 |
| Loan loss allowance to noncurrent loans | 102.1898% | 2,713 |
| Noncurrent assets plus other real estate owned to assets | 0.6918% | 5,791 |
| Noncurrent loans to loans | 0.8395% | 5,637 |
| Net loans and leases to total assets | 70.3976% | 2,828 |
| Net loans and leases to deposits | 122.4165% | 119 |
| Net loans and leases to core deposits | 132.7150% | 423 |
| Total domestic deposits to total assets | 57.5066% | 7,782 |
| Equity capital to assets | 14.2189% | 1,091 |
| Core capital (leverage) ratio | 14.1189% | 931 |
| Tier 1 risk-based capital ratio | 23.6833% | 995 |
| Total risk-based capital ratio | 24.5622% | 1,015 |
| Memoranda: | ||
| Average total assets | $320,141,000 | 2,125 |
| Average earning assets | $307,831,500 | 2,029 |
| Average equity | $45,189,500 | 1,490 |
| Average total loans | $230,723,500 | 1,993 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6042% | 3,583 |
| Cost of funding earning assets | 2.5596% | 875 |
| Net interest margin | 3.0446% | 6,530 |
| Noninterest income to average assets | 0.0522% | 7,494 |
| Noninterest expense to average assets | 1.3630% | 7,855 |
| Loan and lease loss provision to assets | 0.2141% | 5,635 |
| Net operating income to assets | 0.9385% | 2,055 |
| Return on assets (ROA) | 0.9553% | 2,047 |
| Pretax return on assets | 1.4299% | 1,362 |
| Return on Equity (ROE) | 6.7983% | 2,870 |
| Retained earnings to average equity (ytd only) | 6.7983% | 1,036 |
| Net charge-offs to loans | 0.2286% | 5,185 |
| Credit loss provision to net charge-offs | 127.1318% | 4,080 |
| Earnings coverage of net charge-offs (x) | 9.6124% | 1,775 |
| Efficiency ratio | 45.7093% | 7,727 |
| Assets per employee ($millions) | 8.8474% | 369 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8327% | 7,038 |
| Loan loss allowance to noncurrent loans | 185.8238% | 1,585 |
| Noncurrent assets plus other real estate owned to assets | 0.4622% | 6,304 |
| Noncurrent loans to loans | 0.4481% | 6,375 |
| Net loans and leases to total assets | 72.5337% | 2,626 |
| Net loans and leases to deposits | 128.9116% | 98 |
| Net loans and leases to core deposits | 167.1176% | 262 |
| Total domestic deposits to total assets | 56.2663% | 7,851 |
| Equity capital to assets | 14.0110% | 1,169 |
| Core capital (leverage) ratio | 13.9756% | 987 |
| Tier 1 risk-based capital ratio | 22.8755% | 1,053 |
| Total risk-based capital ratio | 23.7305% | 1,075 |
| Memoranda: | ||
| Average total assets | $306,388,000 | 2,178 |
| Average earning assets | $294,816,200 | 2,104 |
| Average equity | $43,054,600 | 1,551 |
| Average total loans | $225,751,400 | 2,054 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6584% | 3,528 |
| Cost of funding earning assets | 2.6320% | 946 |
| Net interest margin | 3.0265% | 6,526 |
| Noninterest income to average assets | 0.0541% | 7,630 |
| Noninterest expense to average assets | 1.3880% | 7,925 |
| Loan and lease loss provision to assets | 0.2479% | 4,970 |
| Net operating income to assets | 0.8882% | 2,459 |
| Return on assets (ROA) | 0.9085% | 2,461 |
| Pretax return on assets | 1.3616% | 1,793 |
| Return on Equity (ROE) | 6.4600% | 3,317 |
| Retained earnings to average equity (ytd only) | 6.4600% | 1,732 |
| Net charge-offs to loans | 0.2614% | 4,415 |
| Credit loss provision to net charge-offs | 128.4738% | 3,906 |
| Earnings coverage of net charge-offs (x) | 8.1845% | 2,294 |
| Efficiency ratio | 46.7783% | 7,736 |
| Assets per employee ($millions) | 9.2744% | 340 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8312% | 7,021 |
| Loan loss allowance to noncurrent loans | 169.9029% | 1,718 |
| Noncurrent assets plus other real estate owned to assets | 0.4257% | 6,388 |
| Noncurrent loans to loans | 0.4892% | 6,337 |
| Net loans and leases to total assets | 75.0427% | 2,235 |
| Net loans and leases to deposits | 133.5209% | 89 |
| Net loans and leases to core deposits | 171.4520% | 263 |
| Total domestic deposits to total assets | 56.2030% | 7,922 |
| Equity capital to assets | 14.3308% | 1,195 |
| Core capital (leverage) ratio | 14.2677% | 1,013 |
| Tier 1 risk-based capital ratio | 22.9581% | 1,115 |
| Total risk-based capital ratio | 23.8246% | 1,136 |
| Memoranda: | ||
| Average total assets | $303,358,250 | 2,207 |
| Average earning assets | $291,993,750 | 2,127 |
| Average equity | $42,661,750 | 1,586 |
| Average total loans | $223,948,000 | 2,102 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7393% | 3,347 |
| Cost of funding earning assets | 2.7010% | 1,025 |
| Net interest margin | 3.0383% | 6,439 |
| Noninterest income to average assets | 0.0443% | 7,758 |
| Noninterest expense to average assets | 1.4501% | 7,992 |
| Loan and lease loss provision to assets | 0.3108% | 4,084 |
| Net operating income to assets | 0.8074% | 2,826 |
| Return on assets (ROA) | 0.8074% | 2,923 |
| Pretax return on assets | 1.2081% | 2,277 |
| Return on Equity (ROE) | 5.7782% | 3,756 |
| Retained earnings to average equity (ytd only) | 5.7782% | 2,126 |
| Net charge-offs to loans | 0.0813% | 5,392 |
| Credit loss provision to net charge-offs | 522.2222% | 882 |
| Earnings coverage of net charge-offs (x) | 25.5222% | 1,117 |
| Efficiency ratio | 48.8419% | 7,724 |
| Assets per employee ($millions) | 9.6248% | 292 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9815% | 6,367 |
| Loan loss allowance to noncurrent loans | 146.9993% | 2,002 |
| Noncurrent assets plus other real estate owned to assets | 0.5484% | 6,053 |
| Noncurrent loans to loans | 0.6677% | 5,917 |
| Net loans and leases to total assets | 71.4106% | 3,376 |
| Net loans and leases to deposits | 127.1118% | 137 |
| Net loans and leases to core deposits | 160.3849% | 443 |
| Total domestic deposits to total assets | 56.1794% | 8,004 |
| Equity capital to assets | 13.8929% | 1,342 |
| Core capital (leverage) ratio | 13.8929% | 1,165 |
| Tier 1 risk-based capital ratio | 23.5090% | 1,084 |
| Total risk-based capital ratio | 24.5535% | 1,084 |
| Memoranda: | ||
| Average total assets | $302,459,330 | 2,242 |
| Average earning assets | $291,148,000 | 2,164 |
| Average equity | $42,262,330 | 1,609 |
| Average total loans | $221,398,330 | 2,145 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8887% | 2,856 |
| Cost of funding earning assets | 2.8223% | 929 |
| Net interest margin | 3.0664% | 6,289 |
| Noninterest income to average assets | 0.0681% | 7,726 |
| Noninterest expense to average assets | 1.2907% | 8,082 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.1505% | 1,802 |
| Return on assets (ROA) | 1.1505% | 1,923 |
| Pretax return on assets | 1.7284% | 1,124 |
| Return on Equity (ROE) | 8.2097% | 3,054 |
| Retained earnings to average equity (ytd only) | 8.2097% | 1,737 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.7498% | 7,976 |
| Assets per employee ($millions) | 9.3902% | 322 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8117% | 7,112 |
| Loan loss allowance to noncurrent loans | 150.8801% | 2,141 |
| Noncurrent assets plus other real estate owned to assets | 0.4423% | 6,168 |
| Noncurrent loans to loans | 0.5380% | 6,066 |
| Net loans and leases to total assets | 73.2013% | 2,960 |
| Net loans and leases to deposits | 132.4017% | 128 |
| Net loans and leases to core deposits | 166.8530% | 395 |
| Total domestic deposits to total assets | 55.2873% | 8,052 |
| Equity capital to assets | 14.1205% | 1,329 |
| Core capital (leverage) ratio | 14.1205% | 1,164 |
| Tier 1 risk-based capital ratio | 24.0489% | 1,073 |
| Total risk-based capital ratio | 24.9104% | 1,098 |
| Memoranda: | ||
| Average total assets | $299,693,000 | 2,267 |
| Average earning assets | $288,417,000 | 2,190 |
| Average equity | $41,999,000 | 1,624 |
| Average total loans | $221,038,000 | 2,174 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8818% | 6,129 |
| Cost of funding earning assets | 3.1749% | 1,271 |
| Net interest margin | 2.7068% | 7,490 |
| Noninterest income to average assets | 0.0812% | 7,736 |
| Noninterest expense to average assets | 1.4476% | 8,053 |
| Loan and lease loss provision to assets | 0.0396% | 6,920 |
| Net operating income to assets | 0.8074% | 3,409 |
| Return on assets (ROA) | 0.8071% | 3,249 |
| Pretax return on assets | 1.2003% | 2,640 |
| Return on Equity (ROE) | 5.9821% | 3,950 |
| Retained earnings to average equity (ytd only) | 5.9821% | 1,542 |
| Net charge-offs to loans | 0.0856% | 5,531 |
| Credit loss provision to net charge-offs | 65.1163% | 6,159 |
| Earnings coverage of net charge-offs (x) | 20.4128% | 1,573 |
| Efficiency ratio | 53.8573% | 7,280 |
| Assets per employee ($millions) | 9.3407% | 318 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8170% | 7,038 |
| Loan loss allowance to noncurrent loans | 89.4188% | 3,776 |
| Noncurrent assets plus other real estate owned to assets | 0.6735% | 5,200 |
| Noncurrent loans to loans | 0.9137% | 4,791 |
| Net loans and leases to total assets | 73.1068% | 3,334 |
| Net loans and leases to deposits | 131.8425% | 186 |
| Net loans and leases to core deposits | 170.1660% | 394 |
| Total domestic deposits to total assets | 55.4501% | 8,064 |
| Equity capital to assets | 13.9069% | 1,457 |
| Core capital (leverage) ratio | 13.9069% | 1,277 |
| Tier 1 risk-based capital ratio | 23.8092% | 1,108 |
| Total risk-based capital ratio | 24.6787% | 1,119 |
| Memoranda: | ||
| Average total assets | $283,097,400 | 2,298 |
| Average earning assets | $272,605,800 | 2,217 |
| Average equity | $38,197,600 | 1,768 |
| Average total loans | $200,848,800 | 2,289 |