Home > BankGloucester > Performance and Condition Ratios
BankGloucester, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0880% | 1,882 |
| Cost of funding earning assets | 1.8932% | 1,078 |
| Net interest margin | 3.1948% | 2,890 |
| Noninterest income to average assets | 0.2200% | 3,634 |
| Noninterest expense to average assets | 2.7836% | 1,546 |
| Loan and lease loss provision to assets | 0.0800% | 1,564 |
| Net operating income to assets | 0.2919% | 4,041 |
| Return on assets (ROA) | 0.2919% | 4,038 |
| Pretax return on assets | 0.4044% | 3,957 |
| Return on Equity (ROE) | 3.9800% | 3,888 |
| Retained earnings to average equity (ytd only) | 3.9808% | 2,968 |
| Net charge-offs to loans | -0.0100% | 3,995 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 85.1612% | 603 |
| Assets per employee ($millions) | 6.8427% | 2,178 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9928% | 3,354 |
| Loan loss allowance to noncurrent loans | 75.7484% | 3,425 |
| Noncurrent assets plus other real estate owned to assets | 1.1362% | 401 |
| Noncurrent loans to loans | 1.3107% | 533 |
| Net loans and leases to total assets | 85.8200% | 168 |
| Net loans and leases to deposits | 98.1745% | 641 |
| Net loans and leases to core deposits | 122.2021% | 562 |
| Total domestic deposits to total assets | 87.4200% | 1,551 |
| Equity capital to assets | 7.6408% | 3,633 |
| Core capital (leverage) ratio | 8.1453% | 4,285 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1426% | 2,194 |
| Memoranda: | ||
| Average total assets | $378,541,800 | 2,085 |
| Average earning assets | $360,930,800 | 2,037 |
| Average equity | $27,758,400 | 2,377 |
| Average total loans | $328,913,600 | 1,692 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9580% | 1,929 |
| Cost of funding earning assets | 1.8193% | 983 |
| Net interest margin | 3.1387% | 3,057 |
| Noninterest income to average assets | 0.2200% | 3,650 |
| Noninterest expense to average assets | 2.7785% | 1,480 |
| Loan and lease loss provision to assets | 0.1000% | 1,184 |
| Net operating income to assets | 0.2363% | 4,195 |
| Return on assets (ROA) | 0.2363% | 4,209 |
| Pretax return on assets | 0.3274% | 4,136 |
| Return on Equity (ROE) | 3.2600% | 4,077 |
| Retained earnings to average equity (ytd only) | 3.2570% | 3,452 |
| Net charge-offs to loans | -0.0101% | 3,936 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 86.5848% | 487 |
| Assets per employee ($millions) | 6.9470% | 1,989 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9779% | 3,475 |
| Loan loss allowance to noncurrent loans | 61.0353% | 3,545 |
| Noncurrent assets plus other real estate owned to assets | 1.3803% | 290 |
| Noncurrent loans to loans | 1.6022% | 435 |
| Net loans and leases to total assets | 85.3100% | 191 |
| Net loans and leases to deposits | 96.4196% | 727 |
| Net loans and leases to core deposits | 120.1221% | 546 |
| Total domestic deposits to total assets | 88.4800% | 1,417 |
| Equity capital to assets | 7.2183% | 3,505 |
| Core capital (leverage) ratio | 7.8235% | 4,440 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7513% | 2,365 |
| Memoranda: | ||
| Average total assets | $379,090,000 | 2,082 |
| Average earning assets | $361,587,750 | 2,037 |
| Average equity | $27,509,000 | 2,377 |
| Average total loans | $329,583,250 | 1,685 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8170% | 1,960 |
| Cost of funding earning assets | 1.7046% | 877 |
| Net interest margin | 3.1123% | 3,192 |
| Noninterest income to average assets | 0.2100% | 3,710 |
| Noninterest expense to average assets | 2.7337% | 1,568 |
| Loan and lease loss provision to assets | 0.1400% | 795 |
| Net operating income to assets | 0.2232% | 4,252 |
| Return on assets (ROA) | 0.2232% | 4,275 |
| Pretax return on assets | 0.3094% | 4,222 |
| Return on Equity (ROE) | 3.0700% | 4,143 |
| Retained earnings to average equity (ytd only) | 3.0707% | 3,456 |
| Net charge-offs to loans | -0.0073% | 3,823 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 85.9185% | 498 |
| Assets per employee ($millions) | 6.8225% | 2,059 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9436% | 3,647 |
| Loan loss allowance to noncurrent loans | 83.2459% | 3,404 |
| Noncurrent assets plus other real estate owned to assets | 0.9808% | 483 |
| Noncurrent loans to loans | 1.1336% | 623 |
| Net loans and leases to total assets | 85.7000% | 167 |
| Net loans and leases to deposits | 97.7464% | 629 |
| Net loans and leases to core deposits | 119.6640% | 521 |
| Total domestic deposits to total assets | 87.6800% | 1,712 |
| Equity capital to assets | 7.1127% | 3,731 |
| Core capital (leverage) ratio | 7.8557% | 4,447 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2190% | 2,564 |
| Memoranda: | ||
| Average total assets | $378,091,000 | 2,087 |
| Average earning assets | $361,016,333 | 2,040 |
| Average equity | $27,485,333 | 2,389 |
| Average total loans | $329,719,667 | 1,674 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6937% | 1,865 |
| Cost of funding earning assets | 1.5106% | 829 |
| Net interest margin | 3.1831% | 3,150 |
| Noninterest income to average assets | 0.2000% | 3,776 |
| Noninterest expense to average assets | 2.7894% | 1,456 |
| Loan and lease loss provision to assets | 0.2300% | 425 |
| Net operating income to assets | 0.1567% | 4,394 |
| Return on assets (ROA) | 0.1567% | 4,369 |
| Pretax return on assets | 0.2211% | 4,319 |
| Return on Equity (ROE) | 2.1300% | 4,287 |
| Retained earnings to average equity (ytd only) | 2.1315% | 3,678 |
| Net charge-offs to loans | -0.0110% | 3,876 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 86.2023% | 503 |
| Assets per employee ($millions) | 6.7696% | 2,143 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9334% | 3,769 |
| Loan loss allowance to noncurrent loans | 80.5993% | 3,484 |
| Noncurrent assets plus other real estate owned to assets | 1.0032% | 406 |
| Noncurrent loans to loans | 1.1581% | 608 |
| Net loans and leases to total assets | 85.8200% | 141 |
| Net loans and leases to deposits | 98.6928% | 500 |
| Net loans and leases to core deposits | 120.6833% | 417 |
| Total domestic deposits to total assets | 86.9500% | 2,286 |
| Equity capital to assets | 7.1711% | 3,748 |
| Core capital (leverage) ratio | 7.9348% | 4,460 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1255% | 2,689 |
| Memoranda: | ||
| Average total assets | $372,696,000 | 2,141 |
| Average earning assets | $355,628,500 | 2,094 |
| Average equity | $27,398,000 | 2,422 |
| Average total loans | $326,348,500 | 1,697 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2877% | 1,073 |
| Cost of funding earning assets | 0.4259% | 1,896 |
| Net interest margin | 3.8618% | 1,046 |
| Noninterest income to average assets | 0.2300% | 3,761 |
| Noninterest expense to average assets | 2.9212% | 1,091 |
| Loan and lease loss provision to assets | 0.1100% | 1,145 |
| Net operating income to assets | 0.6326% | 3,799 |
| Return on assets (ROA) | 0.6326% | 3,751 |
| Pretax return on assets | 0.8793% | 3,418 |
| Return on Equity (ROE) | 8.1500% | 3,349 |
| Retained earnings to average equity (ytd only) | 8.1512% | 1,774 |
| Net charge-offs to loans | -0.0070% | 3,707 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 74.6722% | 1,151 |
| Assets per employee ($millions) | 6.4200% | 2,401 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9113% | 3,725 |
| Loan loss allowance to noncurrent loans | 62.8003% | 3,600 |
| Noncurrent assets plus other real estate owned to assets | 1.2853% | 282 |
| Noncurrent loans to loans | 1.4511% | 455 |
| Net loans and leases to total assets | 87.7700% | 77 |
| Net loans and leases to deposits | 104.4728% | 282 |
| Net loans and leases to core deposits | 113.9328% | 492 |
| Total domestic deposits to total assets | 84.0100% | 3,203 |
| Equity capital to assets | 7.5447% | 3,362 |
| Core capital (leverage) ratio | 8.5063% | 4,121 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1221% | 2,695 |
| Memoranda: | ||
| Average total assets | $346,984,200 | 2,236 |
| Average earning assets | $330,805,200 | 2,193 |
| Average equity | $26,928,400 | 2,485 |
| Average total loans | $284,565,800 | 1,791 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2080% | 878 |
| Cost of funding earning assets | 0.3460% | 1,740 |
| Net interest margin | 3.8620% | 865 |
| Noninterest income to average assets | 0.2300% | 3,794 |
| Noninterest expense to average assets | 2.9020% | 1,052 |
| Loan and lease loss provision to assets | 0.0700% | 1,430 |
| Net operating income to assets | 0.6739% | 3,638 |
| Return on assets (ROA) | 0.6739% | 3,595 |
| Pretax return on assets | 0.9372% | 3,211 |
| Return on Equity (ROE) | 8.6200% | 3,137 |
| Retained earnings to average equity (ytd only) | 8.6211% | 1,780 |
| Net charge-offs to loans | -0.0092% | 3,677 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 74.1872% | 1,258 |
| Assets per employee ($millions) | 6.3144% | 2,478 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9173% | 3,805 |
| Loan loss allowance to noncurrent loans | 62.6886% | 3,684 |
| Noncurrent assets plus other real estate owned to assets | 1.2631% | 303 |
| Noncurrent loans to loans | 1.4632% | 487 |
| Net loans and leases to total assets | 85.5300% | 155 |
| Net loans and leases to deposits | 94.9619% | 596 |
| Net loans and leases to core deposits | 98.9184% | 861 |
| Total domestic deposits to total assets | 90.0700% | 1,627 |
| Equity capital to assets | 7.7792% | 3,034 |
| Core capital (leverage) ratio | 8.4818% | 4,072 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4349% | 2,674 |
| Memoranda: | ||
| Average total assets | $343,849,750 | 2,265 |
| Average earning assets | $327,528,250 | 2,215 |
| Average equity | $26,879,250 | 2,521 |
| Average total loans | $276,097,500 | 1,827 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1180% | 742 |
| Cost of funding earning assets | 0.3418% | 1,350 |
| Net interest margin | 3.7762% | 789 |
| Noninterest income to average assets | 0.2320% | 3,791 |
| Noninterest expense to average assets | 2.8317% | 1,112 |
| Loan and lease loss provision to assets | 0.0528% | 1,635 |
| Net operating income to assets | 0.6775% | 3,386 |
| Return on assets (ROA) | 0.6775% | 3,339 |
| Pretax return on assets | 0.9426% | 2,918 |
| Return on Equity (ROE) | 8.6527% | 2,807 |
| Retained earnings to average equity (ytd only) | 8.6527% | 1,384 |
| Net charge-offs to loans | -0.0126% | 3,679 |
| Credit loss provision to net charge-offs | -535.2941% | 3,398 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.9921% | 1,506 |
| Assets per employee ($millions) | 6.1581% | 2,608 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9313% | 3,864 |
| Loan loss allowance to noncurrent loans | 39.5469% | 3,882 |
| Noncurrent assets plus other real estate owned to assets | 1.9072% | 159 |
| Noncurrent loans to loans | 2.3549% | 255 |
| Net loans and leases to total assets | 80.2325% | 383 |
| Net loans and leases to deposits | 88.7818% | 788 |
| Net loans and leases to core deposits | 92.6381% | 987 |
| Total domestic deposits to total assets | 90.3704% | 1,529 |
| Equity capital to assets | 7.8198% | 3,249 |
| Core capital (leverage) ratio | 8.3711% | 4,057 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0363% | 2,480 |
| Memoranda: | ||
| Average total assets | $344,808,000 | 2,266 |
| Average earning assets | $328,267,667 | 2,238 |
| Average equity | $26,997,333 | 2,580 |
| Average total loans | $270,014,000 | 1,848 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7894% | 1,102 |
| Cost of funding earning assets | 0.3557% | 1,160 |
| Net interest margin | 3.4337% | 1,225 |
| Noninterest income to average assets | 0.2216% | 3,827 |
| Noninterest expense to average assets | 2.8667% | 1,027 |
| Loan and lease loss provision to assets | 0.0244% | 1,923 |
| Net operating income to assets | 0.4246% | 3,905 |
| Return on assets (ROA) | 0.4246% | 3,868 |
| Pretax return on assets | 0.5894% | 3,665 |
| Return on Equity (ROE) | 5.4197% | 3,505 |
| Retained earnings to average equity (ytd only) | 5.4197% | 2,437 |
| Net charge-offs to loans | -0.0136% | 3,713 |
| Credit loss provision to net charge-offs | -233.3333% | 2,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.3667% | 955 |
| Assets per employee ($millions) | 5.8901% | 2,909 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9389% | 3,928 |
| Loan loss allowance to noncurrent loans | 39.3542% | 3,926 |
| Noncurrent assets plus other real estate owned to assets | 1.8766% | 163 |
| Noncurrent loans to loans | 2.3859% | 261 |
| Net loans and leases to total assets | 77.9167% | 381 |
| Net loans and leases to deposits | 86.3426% | 714 |
| Net loans and leases to core deposits | 90.4366% | 903 |
| Total domestic deposits to total assets | 90.2413% | 1,420 |
| Equity capital to assets | 7.8343% | 3,700 |
| Core capital (leverage) ratio | 8.0957% | 4,236 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9567% | 2,620 |
| Memoranda: | ||
| Average total assets | $344,785,000 | 2,277 |
| Average earning assets | $327,230,000 | 2,253 |
| Average equity | $27,012,500 | 2,652 |
| Average total loans | $265,378,000 | 1,860 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9499% | 1,491 |
| Cost of funding earning assets | 0.4534% | 1,178 |
| Net interest margin | 3.4964% | 1,746 |
| Noninterest income to average assets | 0.3121% | 3,536 |
| Noninterest expense to average assets | 2.8084% | 1,341 |
| Loan and lease loss provision to assets | 0.1193% | 1,043 |
| Net operating income to assets | 0.5121% | 4,061 |
| Return on assets (ROA) | 0.5121% | 4,108 |
| Pretax return on assets | 0.7111% | 3,908 |
| Return on Equity (ROE) | 6.5050% | 3,643 |
| Retained earnings to average equity (ytd only) | 6.5050% | 2,125 |
| Net charge-offs to loans | -0.0447% | 4,278 |
| Credit loss provision to net charge-offs | -345.6897% | 3,656 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1791% | 1,011 |
| Assets per employee ($millions) | 6.1043% | 2,658 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9517% | 3,928 |
| Loan loss allowance to noncurrent loans | 44.7034% | 3,936 |
| Noncurrent assets plus other real estate owned to assets | 1.6034% | 251 |
| Noncurrent loans to loans | 2.1290% | 354 |
| Net loans and leases to total assets | 74.5969% | 616 |
| Net loans and leases to deposits | 83.1548% | 977 |
| Net loans and leases to core deposits | 87.3762% | 1,120 |
| Total domestic deposits to total assets | 89.7085% | 1,107 |
| Equity capital to assets | 7.8348% | 4,454 |
| Core capital (leverage) ratio | 7.8333% | 4,458 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4831% | 2,457 |
| Memoranda: | ||
| Average total assets | $336,098,000 | 2,269 |
| Average earning assets | $319,782,800 | 2,233 |
| Average equity | $26,456,400 | 2,755 |
| Average total loans | $259,403,800 | 1,883 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9902% | 1,556 |
| Cost of funding earning assets | 0.4672% | 1,234 |
| Net interest margin | 3.5230% | 1,806 |
| Noninterest income to average assets | 0.3286% | 3,461 |
| Noninterest expense to average assets | 2.8352% | 1,258 |
| Loan and lease loss provision to assets | 0.1246% | 938 |
| Net operating income to assets | 0.5215% | 4,157 |
| Return on assets (ROA) | 0.5215% | 4,205 |
| Pretax return on assets | 0.7248% | 4,024 |
| Return on Equity (ROE) | 6.6169% | 3,774 |
| Retained earnings to average equity (ytd only) | 6.6169% | 2,576 |
| Net charge-offs to loans | -0.0551% | 4,401 |
| Credit loss provision to net charge-offs | -290.6542% | 3,485 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.9498% | 964 |
| Assets per employee ($millions) | 6.3142% | 2,408 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9234% | 4,094 |
| Loan loss allowance to noncurrent loans | 39.2301% | 4,055 |
| Noncurrent assets plus other real estate owned to assets | 1.7579% | 245 |
| Noncurrent loans to loans | 2.3538% | 333 |
| Net loans and leases to total assets | 73.9961% | 696 |
| Net loans and leases to deposits | 82.7077% | 1,049 |
| Net loans and leases to core deposits | 87.6851% | 1,170 |
| Total domestic deposits to total assets | 89.4671% | 1,028 |
| Equity capital to assets | 7.7553% | 4,632 |
| Core capital (leverage) ratio | 7.8948% | 4,518 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3375% | 2,601 |
| Memoranda: | ||
| Average total assets | $333,136,000 | 2,296 |
| Average earning assets | $317,339,000 | 2,264 |
| Average equity | $26,255,250 | 2,801 |
| Average total loans | $258,742,000 | 1,916 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7304% | 2,256 |
| Cost of funding earning assets | 0.4875% | 1,276 |
| Net interest margin | 3.2429% | 2,631 |
| Noninterest income to average assets | 0.4988% | 2,627 |
| Noninterest expense to average assets | 2.8244% | 1,304 |
| Loan and lease loss provision to assets | 0.1321% | 937 |
| Net operating income to assets | 0.4549% | 4,293 |
| Return on assets (ROA) | 0.4549% | 4,335 |
| Pretax return on assets | 0.6327% | 4,184 |
| Return on Equity (ROE) | 5.7397% | 3,970 |
| Retained earnings to average equity (ytd only) | 5.7397% | 2,909 |
| Net charge-offs to loans | -0.0008% | 3,064 |
| Credit loss provision to net charge-offs | -21,700.0000% | 4,100 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.6902% | 874 |
| Assets per employee ($millions) | 6.0169% | 2,593 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8384% | 4,303 |
| Loan loss allowance to noncurrent loans | 41.7300% | 4,047 |
| Noncurrent assets plus other real estate owned to assets | 1.5611% | 348 |
| Noncurrent loans to loans | 2.0092% | 486 |
| Net loans and leases to total assets | 77.0465% | 504 |
| Net loans and leases to deposits | 86.4057% | 892 |
| Net loans and leases to core deposits | 91.3925% | 1,046 |
| Total domestic deposits to total assets | 89.1683% | 1,193 |
| Equity capital to assets | 7.8398% | 4,615 |
| Core capital (leverage) ratio | 7.9430% | 4,472 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9834% | 2,728 |
| Memoranda: | ||
| Average total assets | $328,420,333 | 2,318 |
| Average earning assets | $312,994,000 | 2,273 |
| Average equity | $26,029,333 | 2,808 |
| Average total loans | $258,532,333 | 1,918 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8121% | 2,066 |
| Cost of funding earning assets | 0.5298% | 1,205 |
| Net interest margin | 3.2823% | 2,440 |
| Noninterest income to average assets | 0.5158% | 2,541 |
| Noninterest expense to average assets | 2.9813% | 1,028 |
| Loan and lease loss provision to assets | 0.1481% | 881 |
| Net operating income to assets | 0.3690% | 4,416 |
| Return on assets (ROA) | 0.3690% | 4,448 |
| Pretax return on assets | 0.5133% | 4,320 |
| Return on Equity (ROE) | 4.6292% | 4,165 |
| Retained earnings to average equity (ytd only) | 4.6292% | 3,333 |
| Net charge-offs to loans | 0.0047% | 1,743 |
| Credit loss provision to net charge-offs | 4,000.0000% | 139 |
| Earnings coverage of net charge-offs (x) | 178.6667% | 437 |
| Efficiency ratio | 81.8428% | 708 |
| Assets per employee ($millions) | 5.8825% | 2,715 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8081% | 4,395 |
| Loan loss allowance to noncurrent loans | 39.4202% | 4,113 |
| Noncurrent assets plus other real estate owned to assets | 1.6125% | 365 |
| Noncurrent loans to loans | 2.0501% | 523 |
| Net loans and leases to total assets | 78.0206% | 466 |
| Net loans and leases to deposits | 87.6560% | 855 |
| Net loans and leases to core deposits | 93.0826% | 1,040 |
| Total domestic deposits to total assets | 89.0077% | 1,340 |
| Equity capital to assets | 7.8786% | 4,558 |
| Core capital (leverage) ratio | 8.0471% | 4,530 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8586% | 2,718 |
| Memoranda: | ||
| Average total assets | $324,157,000 | 2,320 |
| Average earning assets | $308,804,000 | 2,277 |
| Average equity | $25,836,000 | 2,808 |
| Average total loans | $256,898,000 | 1,928 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5008% | 1,315 |
| Cost of funding earning assets | 0.9272% | 774 |
| Net interest margin | 3.5736% | 2,239 |
| Noninterest income to average assets | 0.4998% | 2,635 |
| Noninterest expense to average assets | 2.9815% | 1,473 |
| Loan and lease loss provision to assets | 0.1509% | 2,486 |
| Net operating income to assets | 0.5448% | 3,917 |
| Return on assets (ROA) | 0.5448% | 4,014 |
| Pretax return on assets | 0.7472% | 3,772 |
| Return on Equity (ROE) | 6.7229% | 3,314 |
| Retained earnings to average equity (ytd only) | 6.7229% | 1,500 |
| Net charge-offs to loans | 0.1608% | 1,016 |
| Credit loss provision to net charge-offs | 114.4279% | 2,688 |
| Earnings coverage of net charge-offs (x) | 6.8557% | 2,741 |
| Efficiency ratio | 76.7512% | 1,147 |
| Assets per employee ($millions) | 5.9054% | 2,429 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7763% | 4,471 |
| Loan loss allowance to noncurrent loans | 36.5976% | 4,208 |
| Noncurrent assets plus other real estate owned to assets | 1.6940% | 390 |
| Noncurrent loans to loans | 2.1211% | 516 |
| Net loans and leases to total assets | 79.2456% | 481 |
| Net loans and leases to deposits | 89.8584% | 936 |
| Net loans and leases to core deposits | 96.3215% | 1,099 |
| Total domestic deposits to total assets | 88.1894% | 1,380 |
| Equity capital to assets | 8.0648% | 4,683 |
| Core capital (leverage) ratio | 7.8543% | 4,704 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6207% | 2,764 |
| Memoranda: | ||
| Average total assets | $306,892,200 | 2,265 |
| Average earning assets | $290,239,800 | 2,226 |
| Average equity | $24,870,400 | 2,813 |
| Average total loans | $250,076,600 | 1,918 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6155% | 1,261 |
| Cost of funding earning assets | 0.9926% | 780 |
| Net interest margin | 3.6229% | 2,183 |
| Noninterest income to average assets | 0.4554% | 2,819 |
| Noninterest expense to average assets | 2.9619% | 1,525 |
| Loan and lease loss provision to assets | 0.1497% | 2,525 |
| Net operating income to assets | 0.5581% | 3,887 |
| Return on assets (ROA) | 0.5581% | 3,975 |
| Pretax return on assets | 0.7660% | 3,740 |
| Return on Equity (ROE) | 6.8778% | 3,244 |
| Retained earnings to average equity (ytd only) | 6.8778% | 1,745 |
| Net charge-offs to loans | 0.2357% | 650 |
| Credit loss provision to net charge-offs | 77.2727% | 2,775 |
| Earnings coverage of net charge-offs (x) | 4.7432% | 2,790 |
| Efficiency ratio | 76.2503% | 1,190 |
| Assets per employee ($millions) | 6.1000% | 2,179 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7068% | 4,570 |
| Loan loss allowance to noncurrent loans | 32.2632% | 4,278 |
| Noncurrent assets plus other real estate owned to assets | 1.7116% | 452 |
| Noncurrent loans to loans | 2.1906% | 533 |
| Net loans and leases to total assets | 77.5803% | 884 |
| Net loans and leases to deposits | 88.1501% | 1,467 |
| Net loans and leases to core deposits | 95.2372% | 1,530 |
| Total domestic deposits to total assets | 88.0093% | 1,216 |
| Equity capital to assets | 7.6892% | 4,810 |
| Core capital (leverage) ratio | 7.8011% | 4,785 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8760% | 2,659 |
| Memoranda: | ||
| Average total assets | $303,892,250 | 2,257 |
| Average earning assets | $287,054,750 | 2,231 |
| Average equity | $24,658,500 | 2,816 |
| Average total loans | $248,924,500 | 1,925 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7776% | 1,223 |
| Cost of funding earning assets | 1.0694% | 795 |
| Net interest margin | 3.7082% | 2,133 |
| Noninterest income to average assets | 0.3886% | 3,150 |
| Noninterest expense to average assets | 3.0075% | 1,559 |
| Loan and lease loss provision to assets | 0.1158% | 2,865 |
| Net operating income to assets | 0.5538% | 3,875 |
| Return on assets (ROA) | 0.5538% | 3,955 |
| Pretax return on assets | 0.7610% | 3,703 |
| Return on Equity (ROE) | 6.6952% | 3,254 |
| Retained earnings to average equity (ytd only) | 6.6952% | 1,779 |
| Net charge-offs to loans | 0.3584% | 446 |
| Credit loss provision to net charge-offs | 38.5488% | 2,675 |
| Earnings coverage of net charge-offs (x) | 2.9365% | 2,722 |
| Efficiency ratio | 77.2181% | 1,132 |
| Assets per employee ($millions) | 6.0486% | 2,142 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6219% | 4,713 |
| Loan loss allowance to noncurrent loans | 41.4843% | 4,205 |
| Noncurrent assets plus other real estate owned to assets | 1.2400% | 866 |
| Noncurrent loans to loans | 1.4990% | 1,009 |
| Net loans and leases to total assets | 82.2033% | 399 |
| Net loans and leases to deposits | 94.2409% | 944 |
| Net loans and leases to core deposits | 101.7789% | 1,129 |
| Total domestic deposits to total assets | 87.2268% | 1,531 |
| Equity capital to assets | 7.7594% | 4,816 |
| Core capital (leverage) ratio | 8.0719% | 4,708 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4764% | 2,825 |
| Memoranda: | ||
| Average total assets | $295,390,333 | 2,279 |
| Average earning assets | $278,466,000 | 2,263 |
| Average equity | $24,435,333 | 2,822 |
| Average total loans | $246,110,333 | 1,930 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1407% | 736 |
| Cost of funding earning assets | 1.1786% | 827 |
| Net interest margin | 3.9622% | 1,493 |
| Noninterest income to average assets | 0.3833% | 3,211 |
| Noninterest expense to average assets | 3.2023% | 1,416 |
| Loan and lease loss provision to assets | 0.0863% | 2,611 |
| Net operating income to assets | 0.5884% | 3,631 |
| Return on assets (ROA) | 0.5884% | 3,687 |
| Pretax return on assets | 0.8133% | 3,377 |
| Return on Equity (ROE) | 6.8716% | 3,005 |
| Retained earnings to average equity (ytd only) | 6.8716% | 1,587 |
| Net charge-offs to loans | -0.0034% | 3,750 |
| Credit loss provision to net charge-offs | -3,000.0000% | 3,781 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.8621% | 1,356 |
| Assets per employee ($millions) | 5.4292% | 2,195 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8345% | 4,319 |
| Loan loss allowance to noncurrent loans | 65.6613% | 3,810 |
| Noncurrent assets plus other real estate owned to assets | 1.0485% | 1,247 |
| Noncurrent loans to loans | 1.2710% | 1,287 |
| Net loans and leases to total assets | 81.8062% | 455 |
| Net loans and leases to deposits | 95.7501% | 935 |
| Net loans and leases to core deposits | 105.5787% | 1,084 |
| Total domestic deposits to total assets | 85.4372% | 2,237 |
| Equity capital to assets | 8.5089% | 4,830 |
| Core capital (leverage) ratio | 8.6741% | 4,685 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8958% | 2,756 |
| Memoranda: | ||
| Average total assets | $282,797,000 | 2,305 |
| Average earning assets | $265,409,000 | 2,287 |
| Average equity | $24,215,500 | 2,834 |
| Average total loans | $236,578,500 | 1,950 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9293% | 1,667 |
| Cost of funding earning assets | 1.2404% | 925 |
| Net interest margin | 3.6889% | 2,841 |
| Noninterest income to average assets | 0.4323% | 3,094 |
| Noninterest expense to average assets | 3.0443% | 1,900 |
| Loan and lease loss provision to assets | 0.0808% | 2,382 |
| Net operating income to assets | 0.5815% | 4,219 |
| Return on assets (ROA) | 0.5815% | 4,271 |
| Pretax return on assets | 0.7997% | 3,972 |
| Return on Equity (ROE) | 6.9473% | 3,564 |
| Retained earnings to average equity (ytd only) | 6.9473% | 1,410 |
| Net charge-offs to loans | 0.0038% | 3,543 |
| Credit loss provision to net charge-offs | 2,477.7778% | 158 |
| Earnings coverage of net charge-offs (x) | 270.0000% | 307 |
| Efficiency ratio | 77.3449% | 1,227 |
| Assets per employee ($millions) | 5.4480% | 2,105 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8139% | 4,262 |
| Loan loss allowance to noncurrent loans | 63.1666% | 3,883 |
| Noncurrent assets plus other real estate owned to assets | 1.0934% | 1,120 |
| Noncurrent loans to loans | 1.2885% | 1,172 |
| Net loans and leases to total assets | 84.1693% | 307 |
| Net loans and leases to deposits | 100.1876% | 595 |
| Net loans and leases to core deposits | 110.2150% | 837 |
| Total domestic deposits to total assets | 84.0117% | 2,842 |
| Equity capital to assets | 8.6188% | 4,862 |
| Core capital (leverage) ratio | 8.6205% | 4,769 |
| Tier 1 risk-based capital ratio | 12.0841% | 4,317 |
| Total risk-based capital ratio | 13.0558% | 4,349 |
| Memoranda: | ||
| Average total assets | $275,995,200 | 2,299 |
| Average earning assets | $261,294,200 | 2,266 |
| Average equity | $23,102,400 | 2,864 |
| Average total loans | $234,782,600 | 1,927 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9344% | 1,719 |
| Cost of funding earning assets | 1.2420% | 931 |
| Net interest margin | 3.6924% | 2,946 |
| Noninterest income to average assets | 0.4045% | 3,287 |
| Noninterest expense to average assets | 2.9803% | 2,031 |
| Loan and lease loss provision to assets | 0.0760% | 2,375 |
| Net operating income to assets | 0.6175% | 4,251 |
| Return on assets (ROA) | 0.6175% | 4,298 |
| Pretax return on assets | 0.8468% | 4,018 |
| Return on Equity (ROE) | 7.4321% | 3,534 |
| Retained earnings to average equity (ytd only) | 7.4321% | 1,657 |
| Net charge-offs to loans | 0.0028% | 3,322 |
| Credit loss provision to net charge-offs | 3,140.0000% | 128 |
| Earnings coverage of net charge-offs (x) | 381.1994% | 261 |
| Efficiency ratio | 76.1344% | 1,316 |
| Assets per employee ($millions) | 5.6845% | 1,858 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7847% | 4,454 |
| Loan loss allowance to noncurrent loans | 59.5002% | 4,005 |
| Noncurrent assets plus other real estate owned to assets | 1.1205% | 1,167 |
| Noncurrent loans to loans | 1.3187% | 1,171 |
| Net loans and leases to total assets | 84.2992% | 317 |
| Net loans and leases to deposits | 100.6654% | 589 |
| Net loans and leases to core deposits | 110.7648% | 913 |
| Total domestic deposits to total assets | 83.7420% | 2,916 |
| Equity capital to assets | 8.4824% | 5,009 |
| Core capital (leverage) ratio | 8.4571% | 4,963 |
| Tier 1 risk-based capital ratio | 11.9194% | 4,453 |
| Total risk-based capital ratio | 12.8602% | 4,515 |
| Memoranda: | ||
| Average total assets | $275,532,250 | 2,317 |
| Average earning assets | $261,071,500 | 2,281 |
| Average equity | $22,891,250 | 2,898 |
| Average total loans | $234,533,000 | 1,945 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8869% | 1,791 |
| Cost of funding earning assets | 1.2279% | 927 |
| Net interest margin | 3.6590% | 3,075 |
| Noninterest income to average assets | 0.3898% | 3,340 |
| Noninterest expense to average assets | 2.9767% | 2,068 |
| Loan and lease loss provision to assets | 0.0678% | 2,459 |
| Net operating income to assets | 0.5988% | 4,305 |
| Return on assets (ROA) | 0.5988% | 4,348 |
| Pretax return on assets | 0.8210% | 4,044 |
| Return on Equity (ROE) | 7.2596% | 3,578 |
| Retained earnings to average equity (ytd only) | 7.2596% | 1,698 |
| Net charge-offs to loans | 0.0009% | 3,154 |
| Credit loss provision to net charge-offs | 9,300.0000% | 29 |
| Earnings coverage of net charge-offs (x) | 1,220.0000% | 56 |
| Efficiency ratio | 76.7810% | 1,300 |
| Assets per employee ($millions) | 5.5813% | 1,891 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7665% | 4,559 |
| Loan loss allowance to noncurrent loans | 33.8044% | 4,499 |
| Noncurrent assets plus other real estate owned to assets | 1.9017% | 510 |
| Noncurrent loans to loans | 2.2675% | 581 |
| Net loans and leases to total assets | 83.2249% | 444 |
| Net loans and leases to deposits | 99.5184% | 710 |
| Net loans and leases to core deposits | 110.5937% | 945 |
| Total domestic deposits to total assets | 83.6277% | 2,998 |
| Equity capital to assets | 8.2981% | 5,120 |
| Core capital (leverage) ratio | 8.4424% | 4,985 |
| Tier 1 risk-based capital ratio | 12.1204% | 4,349 |
| Total risk-based capital ratio | 13.0632% | 4,412 |
| Memoranda: | ||
| Average total assets | $274,529,670 | 2,331 |
| Average earning assets | $260,780,000 | 2,294 |
| Average equity | $22,646,000 | 2,915 |
| Average total loans | $233,822,670 | 1,951 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8876% | 1,625 |
| Cost of funding earning assets | 1.2115% | 872 |
| Net interest margin | 3.6761% | 2,983 |
| Noninterest income to average assets | 0.3247% | 3,688 |
| Noninterest expense to average assets | 3.0426% | 1,868 |
| Loan and lease loss provision to assets | 0.0455% | 2,735 |
| Net operating income to assets | 0.5377% | 4,417 |
| Return on assets (ROA) | 0.5377% | 4,445 |
| Pretax return on assets | 0.7316% | 4,221 |
| Return on Equity (ROE) | 6.5385% | 3,827 |
| Retained earnings to average equity (ytd only) | 6.5385% | 2,232 |
| Net charge-offs to loans | -0.0017% | 3,842 |
| Credit loss provision to net charge-offs | -3,100.0000% | 4,144 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.4231% | 1,113 |
| Assets per employee ($millions) | 5.4172% | 2,059 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7429% | 4,677 |
| Loan loss allowance to noncurrent loans | 31.9235% | 4,597 |
| Noncurrent assets plus other real estate owned to assets | 2.0077% | 486 |
| Noncurrent loans to loans | 2.3272% | 583 |
| Net loans and leases to total assets | 85.6303% | 219 |
| Net loans and leases to deposits | 103.7229% | 406 |
| Net loans and leases to core deposits | 114.6261% | 707 |
| Total domestic deposits to total assets | 82.5567% | 3,557 |
| Equity capital to assets | 8.3534% | 5,064 |
| Core capital (leverage) ratio | 8.3237% | 5,095 |
| Tier 1 risk-based capital ratio | 11.7996% | 4,565 |
| Total risk-based capital ratio | 12.7058% | 4,664 |
| Memoranda: | ||
| Average total assets | $272,263,000 | 2,363 |
| Average earning assets | $258,860,500 | 2,324 |
| Average equity | $22,390,500 | 2,932 |
| Average total loans | $233,712,000 | 1,966 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7093% | 1,790 |
| Cost of funding earning assets | 0.9169% | 1,038 |
| Net interest margin | 3.7923% | 2,690 |
| Noninterest income to average assets | 0.4020% | 3,425 |
| Noninterest expense to average assets | 3.0946% | 1,815 |
| Loan and lease loss provision to assets | 0.0537% | 3,106 |
| Net operating income to assets | 0.6160% | 4,371 |
| Return on assets (ROA) | 0.6160% | 4,381 |
| Pretax return on assets | 0.8553% | 4,025 |
| Return on Equity (ROE) | 7.4606% | 3,674 |
| Retained earnings to average equity (ytd only) | 7.4606% | 1,471 |
| Net charge-offs to loans | 0.0310% | 2,778 |
| Credit loss provision to net charge-offs | 202.9412% | 1,416 |
| Earnings coverage of net charge-offs (x) | 34.3529% | 1,467 |
| Efficiency ratio | 77.0629% | 1,227 |
| Assets per employee ($millions) | 5.4733% | 1,980 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7294% | 4,733 |
| Loan loss allowance to noncurrent loans | 55.2495% | 4,216 |
| Noncurrent assets plus other real estate owned to assets | 1.1277% | 1,177 |
| Noncurrent loans to loans | 1.3202% | 1,188 |
| Net loans and leases to total assets | 84.7913% | 336 |
| Net loans and leases to deposits | 104.1070% | 477 |
| Net loans and leases to core deposits | 113.9509% | 784 |
| Total domestic deposits to total assets | 81.4463% | 3,797 |
| Equity capital to assets | 8.0957% | 5,129 |
| Core capital (leverage) ratio | 8.3053% | 5,115 |
| Tier 1 risk-based capital ratio | 11.8033% | 4,568 |
| Total risk-based capital ratio | 12.7084% | 4,649 |
| Memoranda: | ||
| Average total assets | $256,994,000 | 2,427 |
| Average earning assets | $244,071,600 | 2,382 |
| Average equity | $21,218,000 | 2,964 |
| Average total loans | $219,027,800 | 2,032 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6426% | 1,867 |
| Cost of funding earning assets | 0.8722% | 1,029 |
| Net interest margin | 3.7704% | 2,753 |
| Noninterest income to average assets | 0.4029% | 3,467 |
| Noninterest expense to average assets | 3.1125% | 1,730 |
| Loan and lease loss provision to assets | 0.0501% | 2,986 |
| Net operating income to assets | 0.5875% | 4,535 |
| Return on assets (ROA) | 0.5875% | 4,544 |
| Pretax return on assets | 0.8195% | 4,244 |
| Return on Equity (ROE) | 7.0783% | 3,906 |
| Retained earnings to average equity (ytd only) | 7.0783% | 2,089 |
| Net charge-offs to loans | 0.0508% | 2,107 |
| Credit loss provision to net charge-offs | 115.8537% | 2,041 |
| Earnings coverage of net charge-offs (x) | 20.1099% | 1,966 |
| Efficiency ratio | 77.9235% | 1,129 |
| Assets per employee ($millions) | 5.2952% | 2,130 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7243% | 4,827 |
| Loan loss allowance to noncurrent loans | 76.1905% | 3,888 |
| Noncurrent assets plus other real estate owned to assets | 0.8170% | 1,812 |
| Noncurrent loans to loans | 0.9506% | 1,792 |
| Net loans and leases to total assets | 85.3177% | 331 |
| Net loans and leases to deposits | 101.3965% | 682 |
| Net loans and leases to core deposits | 110.1834% | 1,021 |
| Total domestic deposits to total assets | 84.1427% | 2,895 |
| Equity capital to assets | 8.1341% | 5,118 |
| Core capital (leverage) ratio | 8.3313% | 5,186 |
| Tier 1 risk-based capital ratio | 11.4238% | 4,840 |
| Total risk-based capital ratio | 12.2890% | 4,919 |
| Memoranda: | ||
| Average total assets | $252,826,250 | 2,473 |
| Average earning assets | $240,001,500 | 2,423 |
| Average equity | $20,983,750 | 3,011 |
| Average total loans | $215,347,500 | 2,067 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5743% | 1,860 |
| Cost of funding earning assets | 0.8289% | 1,010 |
| Net interest margin | 3.7454% | 2,769 |
| Noninterest income to average assets | 0.3954% | 3,519 |
| Noninterest expense to average assets | 3.2156% | 1,502 |
| Loan and lease loss provision to assets | 0.0458% | 2,989 |
| Net operating income to assets | 0.4846% | 4,781 |
| Return on assets (ROA) | 0.4846% | 4,785 |
| Pretax return on assets | 0.6856% | 4,547 |
| Return on Equity (ROE) | 5.7982% | 4,308 |
| Retained earnings to average equity (ytd only) | 5.7982% | 2,667 |
| Net charge-offs to loans | 0.0899% | 1,449 |
| Credit loss provision to net charge-offs | 60.0000% | 2,427 |
| Earnings coverage of net charge-offs (x) | 9.5789% | 2,382 |
| Efficiency ratio | 81.2258% | 898 |
| Assets per employee ($millions) | 5.4034% | 1,994 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7335% | 4,860 |
| Loan loss allowance to noncurrent loans | 61.1877% | 4,192 |
| Noncurrent assets plus other real estate owned to assets | 1.0277% | 1,464 |
| Noncurrent loans to loans | 1.1988% | 1,452 |
| Net loans and leases to total assets | 85.0974% | 343 |
| Net loans and leases to deposits | 101.1793% | 723 |
| Net loans and leases to core deposits | 109.1391% | 1,049 |
| Total domestic deposits to total assets | 84.1055% | 3,027 |
| Equity capital to assets | 8.3012% | 5,074 |
| Core capital (leverage) ratio | 8.4929% | 5,117 |
| Tier 1 risk-based capital ratio | 11.7229% | 4,674 |
| Total risk-based capital ratio | 12.6043% | 4,769 |
| Memoranda: | ||
| Average total assets | $248,848,000 | 2,511 |
| Average earning assets | $235,972,330 | 2,466 |
| Average equity | $20,799,670 | 3,050 |
| Average total loans | $211,284,670 | 2,096 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5257% | 1,790 |
| Cost of funding earning assets | 0.8143% | 898 |
| Net interest margin | 3.7114% | 2,756 |
| Noninterest income to average assets | 0.3930% | 3,520 |
| Noninterest expense to average assets | 3.3749% | 1,209 |
| Loan and lease loss provision to assets | 0.0374% | 2,998 |
| Net operating income to assets | 0.3297% | 5,051 |
| Return on assets (ROA) | 0.3297% | 5,056 |
| Pretax return on assets | 0.4970% | 4,876 |
| Return on Equity (ROE) | 3.9306% | 4,777 |
| Retained earnings to average equity (ytd only) | 3.9306% | 3,619 |
| Net charge-offs to loans | 0.1807% | 809 |
| Credit loss provision to net charge-offs | 24.4681% | 2,095 |
| Earnings coverage of net charge-offs (x) | 3.5000% | 2,382 |
| Efficiency ratio | 86.0823% | 642 |
| Assets per employee ($millions) | 5.3894% | 2,047 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7485% | 4,923 |
| Loan loss allowance to noncurrent loans | 63.5624% | 4,138 |
| Noncurrent assets plus other real estate owned to assets | 0.9919% | 1,583 |
| Noncurrent loans to loans | 1.1775% | 1,553 |
| Net loans and leases to total assets | 83.6039% | 477 |
| Net loans and leases to deposits | 97.7748% | 883 |
| Net loans and leases to core deposits | 105.1141% | 1,305 |
| Total domestic deposits to total assets | 85.5066% | 2,750 |
| Equity capital to assets | 8.3558% | 5,075 |
| Core capital (leverage) ratio | 8.4935% | 5,144 |
| Tier 1 risk-based capital ratio | 11.8163% | 4,672 |
| Total risk-based capital ratio | 12.7027% | 4,780 |
| Memoranda: | ||
| Average total assets | $246,291,000 | 2,545 |
| Average earning assets | $233,332,500 | 2,510 |
| Average equity | $20,658,500 | 3,093 |
| Average total loans | $208,071,000 | 2,134 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4270% | 1,951 |
| Cost of funding earning assets | 0.7756% | 712 |
| Net interest margin | 3.6514% | 2,982 |
| Noninterest income to average assets | 0.3907% | 3,701 |
| Noninterest expense to average assets | 2.9027% | 2,447 |
| Loan and lease loss provision to assets | 0.0260% | 3,776 |
| Net operating income to assets | 0.5880% | 4,064 |
| Return on assets (ROA) | 0.5880% | 4,098 |
| Pretax return on assets | 0.9302% | 3,810 |
| Return on Equity (ROE) | 7.0553% | 3,247 |
| Retained earnings to average equity (ytd only) | 7.0553% | 1,053 |
| Net charge-offs to loans | -0.0432% | 5,148 |
| Credit loss provision to net charge-offs | -71.2644% | 4,675 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9620% | 1,769 |
| Assets per employee ($millions) | 5.4371% | 2,001 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7887% | 4,859 |
| Loan loss allowance to noncurrent loans | 63.6187% | 4,212 |
| Noncurrent assets plus other real estate owned to assets | 1.0504% | 1,453 |
| Noncurrent loans to loans | 1.2397% | 1,428 |
| Net loans and leases to total assets | 84.0642% | 438 |
| Net loans and leases to deposits | 98.6078% | 854 |
| Net loans and leases to core deposits | 105.5630% | 1,290 |
| Total domestic deposits to total assets | 85.2512% | 2,737 |
| Equity capital to assets | 8.4203% | 5,175 |
| Core capital (leverage) ratio | 8.4832% | 5,151 |
| Tier 1 risk-based capital ratio | 11.1675% | 5,055 |
| Total risk-based capital ratio | 12.0538% | 5,145 |
| Memoranda: | ||
| Average total assets | $238,774,000 | 2,570 |
| Average earning assets | $226,791,200 | 2,530 |
| Average equity | $19,900,000 | 3,158 |
| Average total loans | $201,440,600 | 2,143 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3882% | 1,988 |
| Cost of funding earning assets | 0.7665% | 697 |
| Net interest margin | 3.6217% | 3,062 |
| Noninterest income to average assets | 0.3736% | 3,856 |
| Noninterest expense to average assets | 2.9425% | 2,274 |
| Loan and lease loss provision to assets | 0.0202% | 3,743 |
| Net operating income to assets | 0.5315% | 4,647 |
| Return on assets (ROA) | 0.5315% | 4,679 |
| Pretax return on assets | 0.8518% | 4,202 |
| Return on Equity (ROE) | 6.3946% | 3,951 |
| Retained earnings to average equity (ytd only) | 6.3946% | 2,014 |
| Net charge-offs to loans | -0.0567% | 5,203 |
| Credit loss provision to net charge-offs | -42.3529% | 4,435 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8744% | 1,474 |
| Assets per employee ($millions) | 5.6414% | 1,791 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7824% | 4,940 |
| Loan loss allowance to noncurrent loans | 76.1251% | 4,003 |
| Noncurrent assets plus other real estate owned to assets | 0.8702% | 1,976 |
| Noncurrent loans to loans | 1.0278% | 1,886 |
| Net loans and leases to total assets | 84.0037% | 431 |
| Net loans and leases to deposits | 99.0026% | 822 |
| Net loans and leases to core deposits | 105.8164% | 1,287 |
| Total domestic deposits to total assets | 84.8500% | 2,778 |
| Equity capital to assets | 8.3362% | 5,376 |
| Core capital (leverage) ratio | 8.4133% | 5,309 |
| Tier 1 risk-based capital ratio | 11.3033% | 5,072 |
| Total risk-based capital ratio | 12.2054% | 5,163 |
| Memoranda: | ||
| Average total assets | $237,300,000 | 2,603 |
| Average earning assets | $225,447,250 | 2,563 |
| Average equity | $19,724,500 | 3,194 |
| Average total loans | $199,972,000 | 2,163 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3491% | 1,978 |
| Cost of funding earning assets | 0.7773% | 588 |
| Net interest margin | 3.5718% | 3,141 |
| Noninterest income to average assets | 0.3677% | 3,924 |
| Noninterest expense to average assets | 2.9337% | 2,314 |
| Loan and lease loss provision to assets | 0.0246% | 3,509 |
| Net operating income to assets | 0.5044% | 4,692 |
| Return on assets (ROA) | 0.5044% | 4,728 |
| Pretax return on assets | 0.8041% | 4,258 |
| Return on Equity (ROE) | 6.0740% | 4,012 |
| Retained earnings to average equity (ytd only) | 6.0740% | 2,072 |
| Net charge-offs to loans | -0.0878% | 5,379 |
| Credit loss provision to net charge-offs | -33.3333% | 4,263 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7026% | 1,507 |
| Assets per employee ($millions) | 5.3956% | 1,972 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8051% | 4,939 |
| Loan loss allowance to noncurrent loans | 68.5494% | 4,206 |
| Noncurrent assets plus other real estate owned to assets | 0.9844% | 1,782 |
| Noncurrent loans to loans | 1.1744% | 1,668 |
| Net loans and leases to total assets | 83.1420% | 533 |
| Net loans and leases to deposits | 96.8243% | 996 |
| Net loans and leases to core deposits | 103.2473% | 1,418 |
| Total domestic deposits to total assets | 85.8690% | 2,433 |
| Equity capital to assets | 8.3755% | 5,365 |
| Core capital (leverage) ratio | 8.4058% | 5,279 |
| Tier 1 risk-based capital ratio | 11.3033% | 5,086 |
| Total risk-based capital ratio | 12.2188% | 5,170 |
| Memoranda: | ||
| Average total assets | $235,539,670 | 2,636 |
| Average earning assets | $223,863,670 | 2,590 |
| Average equity | $19,558,670 | 3,203 |
| Average total loans | $198,168,000 | 2,184 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2802% | 2,011 |
| Cost of funding earning assets | 0.7859% | 537 |
| Net interest margin | 3.4943% | 3,292 |
| Noninterest income to average assets | 0.3580% | 3,974 |
| Noninterest expense to average assets | 2.9121% | 2,424 |
| Loan and lease loss provision to assets | 0.0477% | 2,859 |
| Net operating income to assets | 0.4621% | 4,733 |
| Return on assets (ROA) | 0.4621% | 4,756 |
| Pretax return on assets | 0.7263% | 4,360 |
| Return on Equity (ROE) | 5.5888% | 4,099 |
| Retained earnings to average equity (ytd only) | 5.5888% | 2,546 |
| Net charge-offs to loans | -0.0020% | 4,013 |
| Credit loss provision to net charge-offs | -2,800.0000% | 4,631 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.7234% | 1,527 |
| Assets per employee ($millions) | 5.3348% | 2,038 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7683% | 5,153 |
| Loan loss allowance to noncurrent loans | 57.8465% | 4,477 |
| Noncurrent assets plus other real estate owned to assets | 1.1158% | 1,590 |
| Noncurrent loans to loans | 1.3282% | 1,525 |
| Net loans and leases to total assets | 83.3617% | 428 |
| Net loans and leases to deposits | 97.0639% | 845 |
| Net loans and leases to core deposits | 104.5865% | 1,190 |
| Total domestic deposits to total assets | 85.8834% | 2,726 |
| Equity capital to assets | 8.3232% | 5,344 |
| Core capital (leverage) ratio | 8.3116% | 5,374 |
| Tier 1 risk-based capital ratio | 11.4680% | 5,050 |
| Total risk-based capital ratio | 12.3600% | 5,146 |
| Memoranda: | ||
| Average total assets | $234,606,000 | 2,661 |
| Average earning assets | $223,449,500 | 2,614 |
| Average equity | $19,396,000 | 3,240 |
| Average total loans | $197,758,500 | 2,200 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3338% | 2,034 |
| Cost of funding earning assets | 0.8074% | 483 |
| Net interest margin | 3.5264% | 3,330 |
| Noninterest income to average assets | 0.4190% | 3,744 |
| Noninterest expense to average assets | 2.9628% | 2,457 |
| Loan and lease loss provision to assets | 0.0568% | 3,248 |
| Net operating income to assets | 0.4741% | 4,729 |
| Return on assets (ROA) | 0.4741% | 4,807 |
| Pretax return on assets | 0.7351% | 4,382 |
| Return on Equity (ROE) | 5.7118% | 4,111 |
| Retained earnings to average equity (ytd only) | 5.7118% | 1,872 |
| Net charge-offs to loans | 0.0490% | 3,063 |
| Credit loss provision to net charge-offs | 138.7097% | 1,970 |
| Earnings coverage of net charge-offs (x) | 19.3441% | 1,918 |
| Efficiency ratio | 78.6284% | 1,605 |
| Assets per employee ($millions) | 5.4531% | 1,897 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7493% | 5,238 |
| Loan loss allowance to noncurrent loans | 51.3122% | 4,647 |
| Noncurrent assets plus other real estate owned to assets | 1.2351% | 1,453 |
| Noncurrent loans to loans | 1.4602% | 1,389 |
| Net loans and leases to total assets | 83.9472% | 387 |
| Net loans and leases to deposits | 97.7106% | 853 |
| Net loans and leases to core deposits | 105.2558% | 1,176 |
| Total domestic deposits to total assets | 85.9141% | 2,625 |
| Equity capital to assets | 8.2117% | 5,463 |
| Core capital (leverage) ratio | 8.2721% | 5,455 |
| Tier 1 risk-based capital ratio | 11.2154% | 5,211 |
| Total risk-based capital ratio | 12.0832% | 5,314 |
| Memoranda: | ||
| Average total assets | $227,186,800 | 2,689 |
| Average earning assets | $214,892,600 | 2,650 |
| Average equity | $18,855,800 | 3,288 |
| Average total loans | $189,764,400 | 2,210 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3448% | 2,016 |
| Cost of funding earning assets | 0.8097% | 481 |
| Net interest margin | 3.5351% | 3,342 |
| Noninterest income to average assets | 0.3976% | 3,940 |
| Noninterest expense to average assets | 2.9889% | 2,351 |
| Loan and lease loss provision to assets | 0.0574% | 3,099 |
| Net operating income to assets | 0.4378% | 4,913 |
| Return on assets (ROA) | 0.4378% | 4,994 |
| Pretax return on assets | 0.6910% | 4,635 |
| Return on Equity (ROE) | 5.2604% | 4,404 |
| Retained earnings to average equity (ytd only) | 5.2604% | 2,657 |
| Net charge-offs to loans | 0.0654% | 2,405 |
| Credit loss provision to net charge-offs | 105.4348% | 2,276 |
| Earnings coverage of net charge-offs (x) | 13.7504% | 2,285 |
| Efficiency ratio | 79.6897% | 1,472 |
| Assets per employee ($millions) | 5.4802% | 1,872 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7643% | 5,292 |
| Loan loss allowance to noncurrent loans | 49.5238% | 4,743 |
| Noncurrent assets plus other real estate owned to assets | 1.3547% | 1,388 |
| Noncurrent loans to loans | 1.5433% | 1,403 |
| Net loans and leases to total assets | 82.1331% | 600 |
| Net loans and leases to deposits | 95.8063% | 1,069 |
| Net loans and leases to core deposits | 103.2040% | 1,401 |
| Total domestic deposits to total assets | 85.7283% | 2,493 |
| Equity capital to assets | 8.3200% | 5,618 |
| Core capital (leverage) ratio | 8.2553% | 5,534 |
| Tier 1 risk-based capital ratio | 11.3272% | 5,187 |
| Total risk-based capital ratio | 12.2016% | 5,309 |
| Memoranda: | ||
| Average total assets | $225,363,000 | 2,718 |
| Average earning assets | $212,908,000 | 2,680 |
| Average equity | $18,756,000 | 3,330 |
| Average total loans | $187,623,750 | 2,233 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3666% | 1,923 |
| Cost of funding earning assets | 0.8086% | 471 |
| Net interest margin | 3.5581% | 3,265 |
| Noninterest income to average assets | 0.3915% | 3,936 |
| Noninterest expense to average assets | 3.0336% | 2,239 |
| Loan and lease loss provision to assets | 0.0670% | 2,797 |
| Net operating income to assets | 0.4147% | 4,991 |
| Return on assets (ROA) | 0.4147% | 5,074 |
| Pretax return on assets | 0.6498% | 4,762 |
| Return on Equity (ROE) | 4.9826% | 4,527 |
| Retained earnings to average equity (ytd only) | 4.9826% | 2,754 |
| Net charge-offs to loans | 0.0943% | 1,902 |
| Credit loss provision to net charge-offs | 85.2273% | 2,314 |
| Earnings coverage of net charge-offs (x) | 9.1136% | 2,450 |
| Efficiency ratio | 80.6006% | 1,429 |
| Assets per employee ($millions) | 5.4183% | 1,871 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7699% | 5,350 |
| Loan loss allowance to noncurrent loans | 54.7637% | 4,702 |
| Noncurrent assets plus other real estate owned to assets | 1.2313% | 1,667 |
| Noncurrent loans to loans | 1.4058% | 1,585 |
| Net loans and leases to total assets | 81.3879% | 696 |
| Net loans and leases to deposits | 95.9886% | 1,080 |
| Net loans and leases to core deposits | 103.2006% | 1,383 |
| Total domestic deposits to total assets | 84.7891% | 2,965 |
| Equity capital to assets | 8.3035% | 5,694 |
| Core capital (leverage) ratio | 8.2412% | 5,576 |
| Tier 1 risk-based capital ratio | 11.3441% | 5,253 |
| Total risk-based capital ratio | 12.2214% | 5,364 |
| Memoranda: | ||
| Average total assets | $223,761,000 | 2,744 |
| Average earning assets | $211,237,670 | 2,704 |
| Average equity | $18,624,670 | 3,353 |
| Average total loans | $186,664,670 | 2,247 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3926% | 1,820 |
| Cost of funding earning assets | 0.7961% | 499 |
| Net interest margin | 3.5966% | 3,092 |
| Noninterest income to average assets | 0.3786% | 4,001 |
| Noninterest expense to average assets | 3.0254% | 2,312 |
| Loan and lease loss provision to assets | 0.0577% | 2,796 |
| Net operating income to assets | 0.4345% | 4,884 |
| Return on assets (ROA) | 0.4345% | 4,964 |
| Pretax return on assets | 0.6923% | 4,548 |
| Return on Equity (ROE) | 5.2139% | 4,384 |
| Retained earnings to average equity (ytd only) | 5.2139% | 2,807 |
| Net charge-offs to loans | -0.0021% | 4,128 |
| Credit loss provision to net charge-offs | -3,200.0000% | 4,965 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.8472% | 1,628 |
| Assets per employee ($millions) | 5.3181% | 2,015 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7878% | 5,401 |
| Loan loss allowance to noncurrent loans | 42.2748% | 5,024 |
| Noncurrent assets plus other real estate owned to assets | 1.5706% | 1,275 |
| Noncurrent loans to loans | 1.8636% | 1,191 |
| Net loans and leases to total assets | 83.6111% | 407 |
| Net loans and leases to deposits | 100.3806% | 597 |
| Net loans and leases to core deposits | 109.0077% | 908 |
| Total domestic deposits to total assets | 83.2942% | 3,795 |
| Equity capital to assets | 8.3458% | 5,666 |
| Core capital (leverage) ratio | 8.2871% | 5,582 |
| Tier 1 risk-based capital ratio | 11.2754% | 5,357 |
| Total risk-based capital ratio | 12.1865% | 5,444 |
| Memoranda: | ||
| Average total assets | $221,858,000 | 2,764 |
| Average earning assets | $209,533,500 | 2,725 |
| Average equity | $18,489,000 | 3,365 |
| Average total loans | $186,672,500 | 2,241 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3511% | 2,056 |
| Cost of funding earning assets | 0.7181% | 745 |
| Net interest margin | 3.6329% | 3,003 |
| Noninterest income to average assets | 0.3951% | 4,063 |
| Noninterest expense to average assets | 3.1341% | 2,134 |
| Loan and lease loss provision to assets | 0.0344% | 3,665 |
| Net operating income to assets | 0.4057% | 5,038 |
| Return on assets (ROA) | 0.4057% | 5,118 |
| Pretax return on assets | 0.6411% | 4,702 |
| Return on Equity (ROE) | 4.6721% | 4,669 |
| Retained earnings to average equity (ytd only) | 4.6721% | 2,662 |
| Net charge-offs to loans | 0.2975% | 1,018 |
| Credit loss provision to net charge-offs | 13.8943% | 3,796 |
| Earnings coverage of net charge-offs (x) | 2.7299% | 3,839 |
| Efficiency ratio | 81.9649% | 1,418 |
| Assets per employee ($millions) | 5.2466% | 2,066 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7833% | 5,452 |
| Loan loss allowance to noncurrent loans | 39.6500% | 5,118 |
| Noncurrent assets plus other real estate owned to assets | 1.6596% | 1,176 |
| Noncurrent loans to loans | 1.9756% | 1,067 |
| Net loans and leases to total assets | 83.3461% | 446 |
| Net loans and leases to deposits | 104.7624% | 407 |
| Net loans and leases to core deposits | 112.0542% | 767 |
| Total domestic deposits to total assets | 79.5573% | 4,852 |
| Equity capital to assets | 8.3215% | 5,690 |
| Core capital (leverage) ratio | 8.4366% | 5,488 |
| Tier 1 risk-based capital ratio | 11.3664% | 5,334 |
| Total risk-based capital ratio | 12.2747% | 5,408 |
| Memoranda: | ||
| Average total assets | $206,535,000 | 2,885 |
| Average earning assets | $194,112,600 | 2,841 |
| Average equity | $17,936,400 | 3,389 |
| Average total loans | $171,774,600 | 2,337 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3398% | 2,108 |
| Cost of funding earning assets | 0.7118% | 787 |
| Net interest margin | 3.6280% | 3,044 |
| Noninterest income to average assets | 0.3972% | 4,104 |
| Noninterest expense to average assets | 3.1442% | 2,100 |
| Loan and lease loss provision to assets | 0.0289% | 3,662 |
| Net operating income to assets | 0.4005% | 5,166 |
| Return on assets (ROA) | 0.4005% | 5,255 |
| Pretax return on assets | 0.6309% | 4,893 |
| Return on Equity (ROE) | 4.5599% | 4,811 |
| Retained earnings to average equity (ytd only) | 4.5599% | 3,229 |
| Net charge-offs to loans | 0.3989% | 641 |
| Credit loss provision to net charge-offs | 8.7302% | 3,460 |
| Earnings coverage of net charge-offs (x) | 1.9941% | 3,748 |
| Efficiency ratio | 82.3438% | 1,350 |
| Assets per employee ($millions) | 5.1372% | 2,133 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8215% | 5,465 |
| Loan loss allowance to noncurrent loans | 36.7541% | 5,287 |
| Noncurrent assets plus other real estate owned to assets | 1.8459% | 1,142 |
| Noncurrent loans to loans | 2.2350% | 977 |
| Net loans and leases to total assets | 81.9137% | 586 |
| Net loans and leases to deposits | 102.1909% | 538 |
| Net loans and leases to core deposits | 108.9858% | 932 |
| Total domestic deposits to total assets | 80.1575% | 4,708 |
| Equity capital to assets | 8.6187% | 5,631 |
| Core capital (leverage) ratio | 8.7128% | 5,338 |
| Tier 1 risk-based capital ratio | 11.7922% | 5,207 |
| Total risk-based capital ratio | 12.7331% | 5,306 |
| Memoranda: | ||
| Average total assets | $203,079,500 | 2,940 |
| Average earning assets | $190,696,500 | 2,907 |
| Average equity | $17,836,250 | 3,432 |
| Average total loans | $168,441,000 | 2,386 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3273% | 2,094 |
| Cost of funding earning assets | 0.7115% | 797 |
| Net interest margin | 3.6158% | 3,027 |
| Noninterest income to average assets | 0.3949% | 4,113 |
| Noninterest expense to average assets | 3.1740% | 2,053 |
| Loan and lease loss provision to assets | 0.0319% | 3,480 |
| Net operating income to assets | 0.3729% | 5,229 |
| Return on assets (ROA) | 0.3729% | 5,342 |
| Pretax return on assets | 0.5844% | 5,012 |
| Return on Equity (ROE) | 4.2187% | 4,941 |
| Retained earnings to average equity (ytd only) | 4.2187% | 3,351 |
| Net charge-offs to loans | 0.6062% | 388 |
| Credit loss provision to net charge-offs | 6.3366% | 3,120 |
| Earnings coverage of net charge-offs (x) | 1.2238% | 3,556 |
| Efficiency ratio | 83.4254% | 1,325 |
| Assets per employee ($millions) | 5.0020% | 2,274 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8292% | 5,526 |
| Loan loss allowance to noncurrent loans | 26.8640% | 5,562 |
| Noncurrent assets plus other real estate owned to assets | 2.5702% | 723 |
| Noncurrent loans to loans | 3.0868% | 632 |
| Net loans and leases to total assets | 82.5752% | 506 |
| Net loans and leases to deposits | 100.2890% | 637 |
| Net loans and leases to core deposits | 105.6616% | 1,091 |
| Total domestic deposits to total assets | 82.3372% | 4,180 |
| Equity capital to assets | 8.7190% | 5,508 |
| Core capital (leverage) ratio | 8.7866% | 5,240 |
| Tier 1 risk-based capital ratio | 11.8798% | 5,230 |
| Total risk-based capital ratio | 12.8315% | 5,328 |
| Memoranda: | ||
| Average total assets | $200,564,670 | 2,984 |
| Average earning assets | $188,340,330 | 2,948 |
| Average equity | $17,730,670 | 3,462 |
| Average total loans | $166,601,670 | 2,408 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3710% | 1,868 |
| Cost of funding earning assets | 0.7149% | 796 |
| Net interest margin | 3.6561% | 2,789 |
| Noninterest income to average assets | 0.3550% | 4,357 |
| Noninterest expense to average assets | 3.1386% | 2,164 |
| Loan and lease loss provision to assets | 0.0141% | 3,542 |
| Net operating income to assets | 0.4054% | 5,054 |
| Return on assets (ROA) | 0.4054% | 5,164 |
| Pretax return on assets | 0.6374% | 4,803 |
| Return on Equity (ROE) | 4.5538% | 4,739 |
| Retained earnings to average equity (ytd only) | 4.5538% | 3,295 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.4907% | 1,563 |
| Assets per employee ($millions) | 5.1175% | 2,203 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1579% | 4,219 |
| Loan loss allowance to noncurrent loans | 30.9310% | 5,523 |
| Noncurrent assets plus other real estate owned to assets | 3.0729% | 602 |
| Noncurrent loans to loans | 3.7434% | 484 |
| Net loans and leases to total assets | 81.1380% | 553 |
| Net loans and leases to deposits | 99.0089% | 623 |
| Net loans and leases to core deposits | 104.4189% | 1,039 |
| Total domestic deposits to total assets | 81.9502% | 4,525 |
| Equity capital to assets | 8.9087% | 5,386 |
| Core capital (leverage) ratio | 8.8007% | 5,202 |
| Tier 1 risk-based capital ratio | 12.3459% | 5,013 |
| Total risk-based capital ratio | 13.5968% | 4,927 |
| Memoranda: | ||
| Average total assets | $198,306,500 | 3,035 |
| Average earning assets | $186,320,500 | 2,982 |
| Average equity | $17,655,500 | 3,502 |
| Average total loans | $164,521,500 | 2,440 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4133% | 2,179 |
| Cost of funding earning assets | 0.7506% | 843 |
| Net interest margin | 3.6626% | 3,162 |
| Noninterest income to average assets | 0.3840% | 4,303 |
| Noninterest expense to average assets | 3.1502% | 2,360 |
| Loan and lease loss provision to assets | 0.0612% | 3,294 |
| Net operating income to assets | 0.3928% | 5,246 |
| Return on assets (ROA) | 0.3928% | 5,314 |
| Pretax return on assets | 0.6185% | 4,880 |
| Return on Equity (ROE) | 4.4279% | 4,928 |
| Retained earnings to average equity (ytd only) | 4.4279% | 3,029 |
| Net charge-offs to loans | 0.0670% | 3,525 |
| Credit loss provision to net charge-offs | 110.2804% | 2,164 |
| Earnings coverage of net charge-offs (x) | 12.2430% | 2,399 |
| Efficiency ratio | 81.9266% | 1,673 |
| Assets per employee ($millions) | 4.9258% | 2,413 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1440% | 4,314 |
| Loan loss allowance to noncurrent loans | 33.5523% | 5,555 |
| Noncurrent assets plus other real estate owned to assets | 2.8589% | 741 |
| Noncurrent loans to loans | 3.4096% | 616 |
| Net loans and leases to total assets | 82.8901% | 442 |
| Net loans and leases to deposits | 102.5983% | 489 |
| Net loans and leases to core deposits | 107.7316% | 908 |
| Total domestic deposits to total assets | 80.7909% | 4,799 |
| Equity capital to assets | 8.8975% | 5,380 |
| Core capital (leverage) ratio | 8.7743% | 5,263 |
| Tier 1 risk-based capital ratio | 11.9508% | 5,396 |
| Total risk-based capital ratio | 13.1662% | 5,326 |
| Memoranda: | ||
| Average total assets | $192,716,600 | 3,073 |
| Average earning assets | $181,317,400 | 3,023 |
| Average equity | $17,096,200 | 3,513 |
| Average total loans | $159,818,400 | 2,428 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4176% | 2,167 |
| Cost of funding earning assets | 0.7692% | 801 |
| Net interest margin | 3.6484% | 3,229 |
| Noninterest income to average assets | 0.3778% | 4,415 |
| Noninterest expense to average assets | 3.1308% | 2,381 |
| Loan and lease loss provision to assets | 0.0682% | 2,977 |
| Net operating income to assets | 0.3889% | 5,287 |
| Return on assets (ROA) | 0.3889% | 5,370 |
| Pretax return on assets | 0.6109% | 4,997 |
| Return on Equity (ROE) | 4.3874% | 5,010 |
| Retained earnings to average equity (ytd only) | 4.3874% | 3,528 |
| Net charge-offs to loans | 0.0909% | 2,915 |
| Credit loss provision to net charge-offs | 90.7407% | 2,413 |
| Earnings coverage of net charge-offs (x) | 9.0368% | 2,722 |
| Efficiency ratio | 81.8481% | 1,640 |
| Assets per employee ($millions) | 4.8733% | 2,411 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1661% | 4,404 |
| Loan loss allowance to noncurrent loans | 33.1383% | 5,641 |
| Noncurrent assets plus other real estate owned to assets | 2.8933% | 830 |
| Noncurrent loans to loans | 3.5188% | 680 |
| Net loans and leases to total assets | 81.2666% | 580 |
| Net loans and leases to deposits | 100.0234% | 613 |
| Net loans and leases to core deposits | 105.0373% | 1,027 |
| Total domestic deposits to total assets | 81.2476% | 4,752 |
| Equity capital to assets | 8.8673% | 5,496 |
| Core capital (leverage) ratio | 8.8447% | 5,276 |
| Tier 1 risk-based capital ratio | 12.1549% | 5,401 |
| Total risk-based capital ratio | 13.4059% | 5,313 |
| Memoranda: | ||
| Average total assets | $191,637,750 | 3,111 |
| Average earning assets | $180,274,750 | 3,054 |
| Average equity | $16,987,500 | 3,545 |
| Average total loans | $158,470,500 | 2,460 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4135% | 2,128 |
| Cost of funding earning assets | 0.7756% | 802 |
| Net interest margin | 3.6380% | 3,200 |
| Noninterest income to average assets | 0.3884% | 4,330 |
| Noninterest expense to average assets | 3.1143% | 2,439 |
| Loan and lease loss provision to assets | 0.0682% | 2,904 |
| Net operating income to assets | 0.3999% | 5,221 |
| Return on assets (ROA) | 0.3999% | 5,299 |
| Pretax return on assets | 0.6277% | 4,860 |
| Return on Equity (ROE) | 4.5120% | 4,915 |
| Retained earnings to average equity (ytd only) | 4.5120% | 3,307 |
| Net charge-offs to loans | 0.1330% | 2,337 |
| Credit loss provision to net charge-offs | 61.9048% | 2,609 |
| Earnings coverage of net charge-offs (x) | 6.3143% | 2,788 |
| Efficiency ratio | 81.4050% | 1,816 |
| Assets per employee ($millions) | 4.9566% | 2,275 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1750% | 4,538 |
| Loan loss allowance to noncurrent loans | 29.2695% | 5,804 |
| Noncurrent assets plus other real estate owned to assets | 3.3358% | 728 |
| Noncurrent loans to loans | 4.0144% | 588 |
| Net loans and leases to total assets | 82.1199% | 457 |
| Net loans and leases to deposits | 99.8154% | 565 |
| Net loans and leases to core deposits | 103.8618% | 1,030 |
| Total domestic deposits to total assets | 82.2717% | 4,559 |
| Equity capital to assets | 9.1038% | 5,201 |
| Core capital (leverage) ratio | 8.8538% | 5,224 |
| Tier 1 risk-based capital ratio | 12.1973% | 5,422 |
| Total risk-based capital ratio | 13.4484% | 5,339 |
| Memoranda: | ||
| Average total assets | $190,540,330 | 3,145 |
| Average earning assets | $179,221,000 | 3,090 |
| Average equity | $16,888,330 | 3,555 |
| Average total loans | $157,866,670 | 2,477 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3950% | 2,153 |
| Cost of funding earning assets | 0.7739% | 865 |
| Net interest margin | 3.6211% | 3,166 |
| Noninterest income to average assets | 0.3841% | 4,316 |
| Noninterest expense to average assets | 2.9619% | 3,011 |
| Loan and lease loss provision to assets | 0.0918% | 2,386 |
| Net operating income to assets | 0.4655% | 4,872 |
| Return on assets (ROA) | 0.4655% | 4,938 |
| Pretax return on assets | 0.7389% | 4,354 |
| Return on Equity (ROE) | 5.3225% | 4,377 |
| Retained earnings to average equity (ytd only) | 5.3225% | 2,908 |
| Net charge-offs to loans | 0.0050% | 3,558 |
| Credit loss provision to net charge-offs | 2,200.0000% | 157 |
| Earnings coverage of net charge-offs (x) | 199.0000% | 243 |
| Efficiency ratio | 77.7655% | 2,508 |
| Assets per employee ($millions) | 5.0286% | 2,225 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2239% | 4,526 |
| Loan loss allowance to noncurrent loans | 32.1560% | 5,800 |
| Noncurrent assets plus other real estate owned to assets | 3.1263% | 885 |
| Noncurrent loans to loans | 3.8062% | 735 |
| Net loans and leases to total assets | 81.1336% | 445 |
| Net loans and leases to deposits | 98.1402% | 533 |
| Net loans and leases to core deposits | 102.2523% | 971 |
| Total domestic deposits to total assets | 82.6712% | 4,728 |
| Equity capital to assets | 8.8536% | 5,272 |
| Core capital (leverage) ratio | 8.7076% | 5,371 |
| Tier 1 risk-based capital ratio | 12.1209% | 5,558 |
| Total risk-based capital ratio | 13.3735% | 5,490 |
| Memoranda: | ||
| Average total assets | $191,636,000 | 3,146 |
| Average earning assets | $180,386,500 | 3,093 |
| Average equity | $16,759,000 | 3,583 |
| Average total loans | $158,544,500 | 2,478 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4854% | 2,269 |
| Cost of funding earning assets | 0.8366% | 1,012 |
| Net interest margin | 3.6488% | 3,246 |
| Noninterest income to average assets | 0.4517% | 4,084 |
| Noninterest expense to average assets | 2.8857% | 3,415 |
| Loan and lease loss provision to assets | 0.0816% | 3,481 |
| Net operating income to assets | 0.5531% | 4,490 |
| Return on assets (ROA) | 0.5531% | 4,619 |
| Pretax return on assets | 0.9082% | 3,733 |
| Return on Equity (ROE) | 6.5451% | 3,803 |
| Retained earnings to average equity (ytd only) | 6.5451% | 1,657 |
| Net charge-offs to loans | -0.0019% | 5,843 |
| Credit loss provision to net charge-offs | -5,233.3333% | 6,373 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1247% | 3,109 |
| Assets per employee ($millions) | 5.4910% | 1,660 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1740% | 4,791 |
| Loan loss allowance to noncurrent loans | 26.9071% | 6,027 |
| Noncurrent assets plus other real estate owned to assets | 3.6355% | 785 |
| Noncurrent loans to loans | 4.3632% | 621 |
| Net loans and leases to total assets | 82.3437% | 382 |
| Net loans and leases to deposits | 101.2560% | 429 |
| Net loans and leases to core deposits | 105.1361% | 845 |
| Total domestic deposits to total assets | 81.3223% | 5,095 |
| Equity capital to assets | 8.6375% | 5,442 |
| Core capital (leverage) ratio | 8.6368% | 5,491 |
| Tier 1 risk-based capital ratio | 11.7760% | 5,761 |
| Total risk-based capital ratio | 13.0279% | 5,687 |
| Memoranda: | ||
| Average total assets | $192,364,600 | 3,121 |
| Average earning assets | $180,496,800 | 3,060 |
| Average equity | $16,256,400 | 3,663 |
| Average total loans | $160,197,800 | 2,420 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4951% | 2,248 |
| Cost of funding earning assets | 0.8505% | 1,042 |
| Net interest margin | 3.6446% | 3,257 |
| Noninterest income to average assets | 0.4470% | 4,175 |
| Noninterest expense to average assets | 2.8501% | 3,487 |
| Loan and lease loss provision to assets | 0.0887% | 3,286 |
| Net operating income to assets | 0.5592% | 4,532 |
| Return on assets (ROA) | 0.5592% | 4,685 |
| Pretax return on assets | 0.9258% | 3,778 |
| Return on Equity (ROE) | 6.6539% | 3,839 |
| Retained earnings to average equity (ytd only) | 6.6539% | 2,060 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4266% | 3,152 |
| Assets per employee ($millions) | 5.6162% | 1,526 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1637% | 5,054 |
| Loan loss allowance to noncurrent loans | 24.6991% | 6,145 |
| Noncurrent assets plus other real estate owned to assets | 3.9162% | 806 |
| Noncurrent loans to loans | 4.7115% | 666 |
| Net loans and leases to total assets | 82.1526% | 357 |
| Net loans and leases to deposits | 98.4690% | 541 |
| Net loans and leases to core deposits | 102.2674% | 977 |
| Total domestic deposits to total assets | 83.4299% | 4,401 |
| Equity capital to assets | 8.5838% | 5,644 |
| Core capital (leverage) ratio | 8.4101% | 5,849 |
| Tier 1 risk-based capital ratio | 11.6560% | 5,977 |
| Total risk-based capital ratio | 12.9138% | 5,931 |
| Memoranda: | ||
| Average total assets | $192,409,250 | 3,145 |
| Average earning assets | $180,428,500 | 3,094 |
| Average equity | $16,170,500 | 3,714 |
| Average total loans | $160,214,000 | 2,436 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4993% | 2,203 |
| Cost of funding earning assets | 0.8654% | 1,059 |
| Net interest margin | 3.6339% | 3,228 |
| Noninterest income to average assets | 0.4427% | 4,224 |
| Noninterest expense to average assets | 2.8316% | 3,569 |
| Loan and lease loss provision to assets | 0.0995% | 3,135 |
| Net operating income to assets | 0.5506% | 4,551 |
| Return on assets (ROA) | 0.5506% | 4,717 |
| Pretax return on assets | 0.9207% | 3,832 |
| Return on Equity (ROE) | 6.5975% | 3,830 |
| Retained earnings to average equity (ytd only) | 6.5975% | 2,093 |
| Net charge-offs to loans | -0.0025% | 5,552 |
| Credit loss provision to net charge-offs | -4,800.0000% | 6,226 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1898% | 3,282 |
| Assets per employee ($millions) | 5.8472% | 1,308 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1443% | 5,264 |
| Loan loss allowance to noncurrent loans | 22.7364% | 6,243 |
| Noncurrent assets plus other real estate owned to assets | 4.1439% | 823 |
| Noncurrent loans to loans | 5.0328% | 637 |
| Net loans and leases to total assets | 81.3960% | 398 |
| Net loans and leases to deposits | 98.5437% | 511 |
| Net loans and leases to core deposits | 102.6878% | 903 |
| Total domestic deposits to total assets | 82.5988% | 4,855 |
| Equity capital to assets | 8.3687% | 5,899 |
| Core capital (leverage) ratio | 8.2719% | 5,920 |
| Tier 1 risk-based capital ratio | 11.4488% | 6,138 |
| Total risk-based capital ratio | 12.7004% | 6,098 |
| Memoranda: | ||
| Average total assets | $192,895,000 | 3,152 |
| Average earning assets | $180,960,670 | 3,102 |
| Average equity | $16,097,000 | 3,758 |
| Average total loans | $160,712,330 | 2,428 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5362% | 2,036 |
| Cost of funding earning assets | 0.8741% | 1,121 |
| Net interest margin | 3.6621% | 3,022 |
| Noninterest income to average assets | 0.4708% | 3,988 |
| Noninterest expense to average assets | 2.7232% | 3,972 |
| Loan and lease loss provision to assets | 0.1390% | 2,506 |
| Net operating income to assets | 0.6450% | 3,990 |
| Return on assets (ROA) | 0.6450% | 4,149 |
| Pretax return on assets | 1.0494% | 3,148 |
| Return on Equity (ROE) | 7.7404% | 3,102 |
| Retained earnings to average equity (ytd only) | 7.7404% | 1,845 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3001% | 4,093 |
| Assets per employee ($millions) | 5.8780% | 1,352 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1075% | 5,574 |
| Loan loss allowance to noncurrent loans | 23.4199% | 6,244 |
| Noncurrent assets plus other real estate owned to assets | 3.9314% | 1,031 |
| Noncurrent loans to loans | 4.7287% | 842 |
| Net loans and leases to total assets | 82.2188% | 270 |
| Net loans and leases to deposits | 99.4426% | 376 |
| Net loans and leases to core deposits | 104.9624% | 681 |
| Total domestic deposits to total assets | 82.6797% | 4,962 |
| Equity capital to assets | 8.3485% | 6,152 |
| Core capital (leverage) ratio | 8.1669% | 5,970 |
| Tier 1 risk-based capital ratio | 11.2376% | 6,292 |
| Total risk-based capital ratio | 12.4883% | 6,271 |
| Memoranda: | ||
| Average total assets | $192,863,500 | 3,183 |
| Average earning assets | $181,209,500 | 3,129 |
| Average equity | $16,071,500 | 3,807 |
| Average total loans | $161,629,500 | 2,427 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5720% | 3,115 |
| Cost of funding earning assets | 1.1285% | 814 |
| Net interest margin | 3.4435% | 4,724 |
| Noninterest income to average assets | 0.3301% | 5,093 |
| Noninterest expense to average assets | 2.7262% | 4,299 |
| Loan and lease loss provision to assets | 0.1574% | 3,649 |
| Net operating income to assets | 0.4195% | 5,010 |
| Return on assets (ROA) | 0.4195% | 5,273 |
| Pretax return on assets | 0.6753% | 4,743 |
| Return on Equity (ROE) | 5.1491% | 4,610 |
| Retained earnings to average equity (ytd only) | 5.1491% | 2,606 |
| Net charge-offs to loans | 0.0382% | 5,384 |
| Credit loss provision to net charge-offs | 501.6667% | 480 |
| Earnings coverage of net charge-offs (x) | 26.5333% | 1,095 |
| Efficiency ratio | 76.4256% | 2,674 |
| Assets per employee ($millions) | 5.8107% | 1,418 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0612% | 5,717 |
| Loan loss allowance to noncurrent loans | 23.8254% | 6,293 |
| Noncurrent assets plus other real estate owned to assets | 3.7627% | 1,177 |
| Noncurrent loans to loans | 4.4540% | 963 |
| Net loans and leases to total assets | 83.5819% | 240 |
| Net loans and leases to deposits | 101.3341% | 361 |
| Net loans and leases to core deposits | 107.3865% | 633 |
| Total domestic deposits to total assets | 82.4815% | 4,938 |
| Equity capital to assets | 8.3175% | 6,187 |
| Core capital (leverage) ratio | 7.8909% | 6,284 |
| Tier 1 risk-based capital ratio | 10.8819% | 6,395 |
| Total risk-based capital ratio | 12.1016% | 6,377 |
| Memoranda: | ||
| Average total assets | $191,181,800 | 3,161 |
| Average earning assets | $179,267,000 | 3,104 |
| Average equity | $15,575,600 | 3,847 |
| Average total loans | $157,076,000 | 2,472 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5685% | 3,342 |
| Cost of funding earning assets | 1.1620% | 826 |
| Net interest margin | 3.4064% | 5,014 |
| Noninterest income to average assets | 0.3113% | 5,298 |
| Noninterest expense to average assets | 2.6730% | 4,486 |
| Loan and lease loss provision to assets | 0.1570% | 3,552 |
| Net operating income to assets | 0.4167% | 5,180 |
| Return on assets (ROA) | 0.4167% | 5,413 |
| Pretax return on assets | 0.6749% | 4,939 |
| Return on Equity (ROE) | 5.1412% | 4,756 |
| Retained earnings to average equity (ytd only) | 5.1412% | 3,265 |
| Net charge-offs to loans | 0.0137% | 5,508 |
| Credit loss provision to net charge-offs | 1,406.2500% | 200 |
| Earnings coverage of net charge-offs (x) | 74.5096% | 550 |
| Efficiency ratio | 76.1450% | 2,652 |
| Assets per employee ($millions) | 5.9951% | 1,254 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0416% | 5,930 |
| Loan loss allowance to noncurrent loans | 22.5264% | 6,429 |
| Noncurrent assets plus other real estate owned to assets | 3.7854% | 1,299 |
| Noncurrent loans to loans | 4.6238% | 1,010 |
| Net loans and leases to total assets | 81.0162% | 429 |
| Net loans and leases to deposits | 100.5628% | 414 |
| Net loans and leases to core deposits | 107.1512% | 686 |
| Total domestic deposits to total assets | 80.5628% | 5,492 |
| Equity capital to assets | 7.9813% | 6,602 |
| Core capital (leverage) ratio | 7.7381% | 6,502 |
| Tier 1 risk-based capital ratio | 10.6144% | 6,626 |
| Total risk-based capital ratio | 11.7998% | 6,634 |
| Memoranda: | ||
| Average total assets | $191,039,250 | 3,194 |
| Average earning assets | $179,107,250 | 3,138 |
| Average equity | $15,482,250 | 3,899 |
| Average total loans | $155,847,750 | 2,521 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6103% | 3,313 |
| Cost of funding earning assets | 1.1860% | 870 |
| Net interest margin | 3.4244% | 4,991 |
| Noninterest income to average assets | 0.3157% | 5,296 |
| Noninterest expense to average assets | 2.6434% | 4,634 |
| Loan and lease loss provision to assets | 0.1610% | 3,500 |
| Net operating income to assets | 0.4365% | 5,088 |
| Return on assets (ROA) | 0.4365% | 5,315 |
| Pretax return on assets | 0.7173% | 4,777 |
| Return on Equity (ROE) | 5.3577% | 4,645 |
| Retained earnings to average equity (ytd only) | 5.3577% | 3,067 |
| Net charge-offs to loans | 0.0169% | 5,177 |
| Credit loss provision to net charge-offs | 1,169.2308% | 281 |
| Earnings coverage of net charge-offs (x) | 63.7692% | 605 |
| Efficiency ratio | 75.0602% | 2,886 |
| Assets per employee ($millions) | 6.3203% | 1,059 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0237% | 6,064 |
| Loan loss allowance to noncurrent loans | 22.6852% | 6,442 |
| Noncurrent assets plus other real estate owned to assets | 3.6381% | 1,447 |
| Noncurrent loans to loans | 4.5126% | 1,174 |
| Net loans and leases to total assets | 79.7951% | 538 |
| Net loans and leases to deposits | 99.1382% | 463 |
| Net loans and leases to core deposits | 105.9530% | 747 |
| Total domestic deposits to total assets | 80.4888% | 5,615 |
| Equity capital to assets | 7.9493% | 6,595 |
| Core capital (leverage) ratio | 7.9724% | 6,301 |
| Tier 1 risk-based capital ratio | 10.8752% | 6,555 |
| Total risk-based capital ratio | 12.0352% | 6,573 |
| Memoranda: | ||
| Average total assets | $188,773,330 | 3,231 |
| Average earning assets | $176,733,000 | 3,181 |
| Average equity | $15,379,670 | 3,915 |
| Average total loans | $153,808,000 | 2,555 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6676% | 3,178 |
| Cost of funding earning assets | 1.2169% | 913 |
| Net interest margin | 3.4507% | 4,915 |
| Noninterest income to average assets | 0.3240% | 5,277 |
| Noninterest expense to average assets | 2.6264% | 4,721 |
| Loan and lease loss provision to assets | 0.1080% | 4,003 |
| Net operating income to assets | 0.4817% | 4,904 |
| Return on assets (ROA) | 0.4817% | 5,103 |
| Pretax return on assets | 0.8294% | 4,302 |
| Return on Equity (ROE) | 5.8369% | 4,384 |
| Retained earnings to average equity (ytd only) | 5.8369% | 3,054 |
| Net charge-offs to loans | 0.0395% | 4,144 |
| Credit loss provision to net charge-offs | 333.3333% | 895 |
| Earnings coverage of net charge-offs (x) | 28.9333% | 952 |
| Efficiency ratio | 73.6970% | 3,142 |
| Assets per employee ($millions) | 6.3602% | 1,053 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9637% | 6,377 |
| Loan loss allowance to noncurrent loans | 26.7456% | 6,313 |
| Noncurrent assets plus other real estate owned to assets | 2.9648% | 1,953 |
| Noncurrent loans to loans | 3.6034% | 1,725 |
| Net loans and leases to total assets | 81.4854% | 306 |
| Net loans and leases to deposits | 103.2267% | 280 |
| Net loans and leases to core deposits | 110.6470% | 515 |
| Total domestic deposits to total assets | 78.9383% | 6,090 |
| Equity capital to assets | 8.0621% | 6,479 |
| Core capital (leverage) ratio | 8.0813% | 6,179 |
| Tier 1 risk-based capital ratio | 11.3445% | 6,366 |
| Total risk-based capital ratio | 12.4894% | 6,403 |
| Memoranda: | ||
| Average total assets | $185,196,000 | 3,294 |
| Average earning assets | $173,878,500 | 3,238 |
| Average equity | $15,282,000 | 3,938 |
| Average total loans | $151,733,000 | 2,607 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8985% | 3,367 |
| Cost of funding earning assets | 1.3354% | 1,315 |
| Net interest margin | 3.5631% | 4,879 |
| Noninterest income to average assets | 0.3341% | 5,148 |
| Noninterest expense to average assets | 2.6709% | 4,851 |
| Loan and lease loss provision to assets | 0.2131% | 4,059 |
| Net operating income to assets | 0.4945% | 4,448 |
| Return on assets (ROA) | 0.4945% | 4,658 |
| Pretax return on assets | 0.7654% | 4,097 |
| Return on Equity (ROE) | 5.8628% | 3,939 |
| Retained earnings to average equity (ytd only) | 5.8628% | 2,099 |
| Net charge-offs to loans | 0.0101% | 6,288 |
| Credit loss provision to net charge-offs | 2,628.5714% | 84 |
| Earnings coverage of net charge-offs (x) | 120.7143% | 271 |
| Efficiency ratio | 73.1874% | 3,363 |
| Assets per employee ($millions) | 5.9862% | 1,237 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0084% | 6,178 |
| Loan loss allowance to noncurrent loans | 26.4080% | 6,381 |
| Noncurrent assets plus other real estate owned to assets | 3.1144% | 1,918 |
| Noncurrent loans to loans | 3.8184% | 1,646 |
| Net loans and leases to total assets | 80.7396% | 423 |
| Net loans and leases to deposits | 104.6358% | 291 |
| Net loans and leases to core deposits | 111.7648% | 571 |
| Total domestic deposits to total assets | 77.1625% | 6,317 |
| Equity capital to assets | 8.4533% | 6,201 |
| Core capital (leverage) ratio | 8.3679% | 5,753 |
| Tier 1 risk-based capital ratio | 11.5113% | 6,154 |
| Total risk-based capital ratio | 12.6639% | 6,204 |
| Memoranda: | ||
| Average total assets | $172,715,400 | 3,448 |
| Average earning assets | $160,701,800 | 3,388 |
| Average equity | $14,566,400 | 3,996 |
| Average total loans | $138,614,000 | 2,816 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9137% | 3,492 |
| Cost of funding earning assets | 1.3667% | 1,386 |
| Net interest margin | 3.5470% | 4,996 |
| Noninterest income to average assets | 0.3353% | 5,176 |
| Noninterest expense to average assets | 2.6674% | 4,851 |
| Loan and lease loss provision to assets | 0.2160% | 3,856 |
| Net operating income to assets | 0.4826% | 4,616 |
| Return on assets (ROA) | 0.4826% | 4,813 |
| Pretax return on assets | 0.7462% | 4,324 |
| Return on Equity (ROE) | 5.7262% | 4,155 |
| Retained earnings to average equity (ytd only) | 5.7262% | 2,727 |
| Net charge-offs to loans | 0.0146% | 5,947 |
| Credit loss provision to net charge-offs | 1,846.6667% | 148 |
| Earnings coverage of net charge-offs (x) | 82.2645% | 435 |
| Efficiency ratio | 73.4909% | 3,278 |
| Assets per employee ($millions) | 5.7853% | 1,364 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0007% | 6,267 |
| Loan loss allowance to noncurrent loans | 25.5488% | 6,463 |
| Noncurrent assets plus other real estate owned to assets | 3.1234% | 2,051 |
| Noncurrent loans to loans | 3.9170% | 1,696 |
| Net loans and leases to total assets | 78.9422% | 613 |
| Net loans and leases to deposits | 100.7597% | 436 |
| Net loans and leases to core deposits | 107.4368% | 787 |
| Total domestic deposits to total assets | 78.3470% | 6,123 |
| Equity capital to assets | 8.5642% | 6,232 |
| Core capital (leverage) ratio | 8.2625% | 6,033 |
| Tier 1 risk-based capital ratio | 11.6799% | 6,121 |
| Total risk-based capital ratio | 12.7943% | 6,205 |
| Memoranda: | ||
| Average total assets | $170,997,750 | 3,499 |
| Average earning assets | $158,817,750 | 3,451 |
| Average equity | $14,412,750 | 4,052 |
| Average total loans | $136,649,000 | 2,893 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9708% | 3,308 |
| Cost of funding earning assets | 1.3777% | 1,512 |
| Net interest margin | 3.5932% | 4,747 |
| Noninterest income to average assets | 0.3597% | 5,007 |
| Noninterest expense to average assets | 2.6789% | 4,903 |
| Loan and lease loss provision to assets | 0.2116% | 3,797 |
| Net operating income to assets | 0.5149% | 4,438 |
| Return on assets (ROA) | 0.5149% | 4,578 |
| Pretax return on assets | 0.8017% | 4,021 |
| Return on Equity (ROE) | 6.1421% | 3,890 |
| Retained earnings to average equity (ytd only) | 6.1421% | 2,334 |
| Net charge-offs to loans | -0.0059% | 6,605 |
| Credit loss provision to net charge-offs | -4,500.0000% | 6,758 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5565% | 3,623 |
| Assets per employee ($millions) | 5.7277% | 1,368 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9582% | 6,487 |
| Loan loss allowance to noncurrent loans | 33.4100% | 6,074 |
| Noncurrent assets plus other real estate owned to assets | 2.2784% | 2,881 |
| Noncurrent loans to loans | 2.8679% | 2,551 |
| Net loans and leases to total assets | 78.6844% | 683 |
| Net loans and leases to deposits | 101.8724% | 401 |
| Net loans and leases to core deposits | 109.2716% | 745 |
| Total domestic deposits to total assets | 77.2382% | 6,419 |
| Equity capital to assets | 8.4792% | 6,210 |
| Core capital (leverage) ratio | 8.4076% | 5,695 |
| Tier 1 risk-based capital ratio | 11.9400% | 5,835 |
| Total risk-based capital ratio | 13.0294% | 5,943 |
| Memoranda: | ||
| Average total assets | $170,143,670 | 3,530 |
| Average earning assets | $157,800,000 | 3,486 |
| Average equity | $14,262,330 | 4,072 |
| Average total loans | $136,066,330 | 2,931 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9697% | 3,251 |
| Cost of funding earning assets | 1.3765% | 1,734 |
| Net interest margin | 3.5932% | 4,597 |
| Noninterest income to average assets | 0.3520% | 5,082 |
| Noninterest expense to average assets | 2.6509% | 5,030 |
| Loan and lease loss provision to assets | 0.2126% | 3,523 |
| Net operating income to assets | 0.5222% | 4,394 |
| Return on assets (ROA) | 0.5222% | 4,479 |
| Pretax return on assets | 0.8128% | 3,855 |
| Return on Equity (ROE) | 6.2657% | 3,746 |
| Retained earnings to average equity (ytd only) | 6.2657% | 2,485 |
| Net charge-offs to loans | -0.0059% | 6,269 |
| Credit loss provision to net charge-offs | -4,500.0000% | 6,357 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1080% | 3,838 |
| Assets per employee ($millions) | 5.8576% | 1,295 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8916% | 6,719 |
| Loan loss allowance to noncurrent loans | 29.6008% | 6,323 |
| Noncurrent assets plus other real estate owned to assets | 2.4183% | 2,814 |
| Noncurrent loans to loans | 3.0122% | 2,500 |
| Net loans and leases to total assets | 79.5690% | 558 |
| Net loans and leases to deposits | 103.8876% | 317 |
| Net loans and leases to core deposits | 109.5315% | 754 |
| Total domestic deposits to total assets | 76.5914% | 6,593 |
| Equity capital to assets | 8.3812% | 6,071 |
| Core capital (leverage) ratio | 8.3134% | 5,786 |
| Tier 1 risk-based capital ratio | 11.8197% | 5,842 |
| Total risk-based capital ratio | 12.8377% | 6,022 |
| Memoranda: | ||
| Average total assets | $169,299,500 | 3,567 |
| Average earning assets | $156,629,500 | 3,532 |
| Average equity | $14,108,500 | 4,091 |
| Average total loans | $135,843,000 | 2,971 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0946% | 4,119 |
| Cost of funding earning assets | 1.6680% | 1,741 |
| Net interest margin | 3.4266% | 5,522 |
| Noninterest income to average assets | 0.3472% | 5,318 |
| Noninterest expense to average assets | 2.7473% | 4,792 |
| Loan and lease loss provision to assets | 0.1005% | 6,141 |
| Net operating income to assets | 0.4329% | 4,399 |
| Return on assets (ROA) | 0.4329% | 4,547 |
| Pretax return on assets | 0.6512% | 4,163 |
| Return on Equity (ROE) | 5.3127% | 3,944 |
| Retained earnings to average equity (ytd only) | 5.3127% | 2,242 |
| Net charge-offs to loans | 0.1240% | 5,652 |
| Credit loss provision to net charge-offs | 105.5901% | 4,244 |
| Earnings coverage of net charge-offs (x) | 7.8944% | 2,049 |
| Efficiency ratio | 78.5159% | 2,613 |
| Assets per employee ($millions) | 5.8183% | 1,341 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8307% | 6,904 |
| Loan loss allowance to noncurrent loans | 31.0155% | 6,231 |
| Noncurrent assets plus other real estate owned to assets | 2.1478% | 3,157 |
| Noncurrent loans to loans | 2.6784% | 2,841 |
| Net loans and leases to total assets | 79.5253% | 726 |
| Net loans and leases to deposits | 103.8753% | 408 |
| Net loans and leases to core deposits | 109.5425% | 947 |
| Total domestic deposits to total assets | 76.5584% | 6,559 |
| Equity capital to assets | 8.2854% | 6,161 |
| Core capital (leverage) ratio | 8.1414% | 5,927 |
| Tier 1 risk-based capital ratio | 11.6935% | 5,735 |
| Total risk-based capital ratio | 12.6394% | 5,994 |
| Memoranda: | ||
| Average total assets | $169,073,400 | 3,555 |
| Average earning assets | $155,518,800 | 3,534 |
| Average equity | $13,778,400 | 4,190 |
| Average total loans | $129,888,400 | 3,124 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0892% | 4,372 |
| Cost of funding earning assets | 1.7370% | 1,691 |
| Net interest margin | 3.3522% | 5,837 |
| Noninterest income to average assets | 0.3295% | 5,522 |
| Noninterest expense to average assets | 2.7224% | 4,787 |
| Loan and lease loss provision to assets | 0.1103% | 5,929 |
| Net operating income to assets | 0.3909% | 4,790 |
| Return on assets (ROA) | 0.3909% | 4,968 |
| Pretax return on assets | 0.5770% | 4,671 |
| Return on Equity (ROE) | 4.8173% | 4,392 |
| Retained earnings to average equity (ytd only) | 4.8173% | 3,113 |
| Net charge-offs to loans | 0.1691% | 4,949 |
| Credit loss provision to net charge-offs | 85.8896% | 4,920 |
| Earnings coverage of net charge-offs (x) | 5.3497% | 2,770 |
| Efficiency ratio | 79.8428% | 2,357 |
| Assets per employee ($millions) | 5.8283% | 1,371 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8352% | 6,929 |
| Loan loss allowance to noncurrent loans | 33.1814% | 6,117 |
| Noncurrent assets plus other real estate owned to assets | 2.0968% | 3,343 |
| Noncurrent loans to loans | 2.5171% | 3,101 |
| Net loans and leases to total assets | 76.7082% | 1,278 |
| Net loans and leases to deposits | 99.4271% | 693 |
| Net loans and leases to core deposits | 104.9873% | 1,402 |
| Total domestic deposits to total assets | 77.1502% | 6,451 |
| Equity capital to assets | 8.3031% | 6,505 |
| Core capital (leverage) ratio | 8.0546% | 6,270 |
| Tier 1 risk-based capital ratio | 11.7750% | 5,666 |
| Total risk-based capital ratio | 12.7164% | 5,948 |
| Memoranda: | ||
| Average total assets | $169,159,250 | 3,597 |
| Average earning assets | $155,435,000 | 3,584 |
| Average equity | $13,728,000 | 4,266 |
| Average total loans | $128,533,750 | 3,189 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1035% | 4,434 |
| Cost of funding earning assets | 1.7718% | 1,759 |
| Net interest margin | 3.3317% | 5,894 |
| Noninterest income to average assets | 0.3073% | 5,699 |
| Noninterest expense to average assets | 2.7245% | 4,815 |
| Loan and lease loss provision to assets | 0.1182% | 5,717 |
| Net operating income to assets | 0.3700% | 4,894 |
| Return on assets (ROA) | 0.3700% | 5,054 |
| Pretax return on assets | 0.5295% | 4,814 |
| Return on Equity (ROE) | 4.5942% | 4,496 |
| Retained earnings to average equity (ytd only) | 4.5942% | 3,152 |
| Net charge-offs to loans | 0.1408% | 4,823 |
| Credit loss provision to net charge-offs | 111.1111% | 3,644 |
| Earnings coverage of net charge-offs (x) | 6.0889% | 2,530 |
| Efficiency ratio | 80.7921% | 2,333 |
| Assets per employee ($millions) | 5.8961% | 1,304 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8620% | 6,873 |
| Loan loss allowance to noncurrent loans | 39.8512% | 5,693 |
| Noncurrent assets plus other real estate owned to assets | 1.7990% | 3,756 |
| Noncurrent loans to loans | 2.1631% | 3,516 |
| Net loans and leases to total assets | 75.6689% | 1,553 |
| Net loans and leases to deposits | 97.5813% | 916 |
| Net loans and leases to core deposits | 103.2256% | 1,711 |
| Total domestic deposits to total assets | 77.5445% | 6,378 |
| Equity capital to assets | 8.0725% | 6,679 |
| Core capital (leverage) ratio | 7.9073% | 6,377 |
| Tier 1 risk-based capital ratio | 11.7267% | 5,562 |
| Total risk-based capital ratio | 12.7056% | 5,790 |
| Memoranda: | ||
| Average total assets | $169,205,330 | 3,609 |
| Average earning assets | $155,657,670 | 3,605 |
| Average equity | $13,626,000 | 4,287 |
| Average total loans | $127,796,670 | 3,242 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1942% | 4,053 |
| Cost of funding earning assets | 1.7884% | 1,925 |
| Net interest margin | 3.4058% | 5,558 |
| Noninterest income to average assets | 0.2804% | 5,897 |
| Noninterest expense to average assets | 2.6569% | 5,117 |
| Loan and lease loss provision to assets | 0.0951% | 5,680 |
| Net operating income to assets | 0.4634% | 4,556 |
| Return on assets (ROA) | 0.4634% | 4,689 |
| Pretax return on assets | 0.6512% | 4,410 |
| Return on Equity (ROE) | 5.7618% | 3,983 |
| Retained earnings to average equity (ytd only) | 5.7618% | 2,734 |
| Net charge-offs to loans | 0.0032% | 5,580 |
| Credit loss provision to net charge-offs | 4,000.0000% | 115 |
| Earnings coverage of net charge-offs (x) | 314.0000% | 98 |
| Efficiency ratio | 78.0726% | 2,882 |
| Assets per employee ($millions) | 6.0972% | 1,193 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9016% | 6,834 |
| Loan loss allowance to noncurrent loans | 80.2503% | 3,394 |
| Noncurrent assets plus other real estate owned to assets | 0.9173% | 5,320 |
| Noncurrent loans to loans | 1.1235% | 5,117 |
| Net loans and leases to total assets | 74.2974% | 1,909 |
| Net loans and leases to deposits | 95.6850% | 1,147 |
| Net loans and leases to core deposits | 101.8999% | 1,921 |
| Total domestic deposits to total assets | 77.6479% | 6,414 |
| Equity capital to assets | 7.9837% | 6,672 |
| Core capital (leverage) ratio | 7.9839% | 6,263 |
| Tier 1 risk-based capital ratio | 11.9874% | 5,207 |
| Total risk-based capital ratio | 13.0229% | 5,363 |
| Memoranda: | ||
| Average total assets | $168,314,500 | 3,687 |
| Average earning assets | $154,325,000 | 3,683 |
| Average equity | $13,537,500 | 4,347 |
| Average total loans | $126,440,500 | 3,338 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3658% | 4,859 |
| Cost of funding earning assets | 2.1772% | 2,127 |
| Net interest margin | 3.1886% | 6,135 |
| Noninterest income to average assets | 0.2997% | 5,953 |
| Noninterest expense to average assets | 2.9265% | 4,437 |
| Loan and lease loss provision to assets | 0.1121% | 6,522 |
| Net operating income to assets | 0.1090% | 5,188 |
| Return on assets (ROA) | 0.0650% | 5,350 |
| Pretax return on assets | 0.1461% | 5,118 |
| Return on Equity (ROE) | 0.7876% | 5,295 |
| Retained earnings to average equity (ytd only) | 0.7876% | 4,459 |
| Net charge-offs to loans | -0.0129% | 7,762 |
| Credit loss provision to net charge-offs | -1,206.6667% | 7,454 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.9505% | 1,710 |
| Assets per employee ($millions) | 5.9253% | 1,296 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8928% | 6,846 |
| Loan loss allowance to noncurrent loans | 74.8825% | 3,664 |
| Noncurrent assets plus other real estate owned to assets | 0.9746% | 5,162 |
| Noncurrent loans to loans | 1.1923% | 4,951 |
| Net loans and leases to total assets | 74.6020% | 2,118 |
| Net loans and leases to deposits | 96.7044% | 1,239 |
| Net loans and leases to core deposits | 117.2331% | 2,206 |
| Total domestic deposits to total assets | 77.1444% | 6,434 |
| Equity capital to assets | 8.1039% | 6,456 |
| Core capital (leverage) ratio | 8.1845% | 5,842 |
| Tier 1 risk-based capital ratio | 12.2515% | 4,724 |
| Total risk-based capital ratio | 13.2892% | 4,873 |
| Memoranda: | ||
| Average total assets | $161,491,600 | 3,739 |
| Average earning assets | $149,594,200 | 3,721 |
| Average equity | $13,332,200 | 4,423 |
| Average total loans | $116,630,600 | 3,555 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4334% | 4,775 |
| Cost of funding earning assets | 2.2892% | 2,023 |
| Net interest margin | 3.1441% | 6,200 |
| Noninterest income to average assets | 0.2951% | 6,118 |
| Noninterest expense to average assets | 3.0093% | 4,009 |
| Loan and lease loss provision to assets | 0.1122% | 6,245 |
| Net operating income to assets | 0.0590% | 5,581 |
| Return on assets (ROA) | -0.0333% | 5,829 |
| Pretax return on assets | -0.0050% | 5,715 |
| Return on Equity (ROE) | -0.4009% | 5,844 |
| Retained earnings to average equity (ytd only) | -0.4009% | 5,316 |
| Net charge-offs to loans | -0.0116% | 7,703 |
| Credit loss provision to net charge-offs | -1,350.0000% | 7,340 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.7824% | 1,415 |
| Assets per employee ($millions) | 5.6524% | 1,473 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8940% | 6,782 |
| Loan loss allowance to noncurrent loans | 48.8971% | 5,052 |
| Noncurrent assets plus other real estate owned to assets | 1.4558% | 4,201 |
| Noncurrent loans to loans | 1.8283% | 3,875 |
| Net loans and leases to total assets | 74.5293% | 2,369 |
| Net loans and leases to deposits | 98.7972% | 1,231 |
| Net loans and leases to core deposits | 123.5348% | 1,950 |
| Total domestic deposits to total assets | 75.4366% | 6,691 |
| Equity capital to assets | 8.4995% | 6,253 |
| Core capital (leverage) ratio | 8.2187% | 5,983 |
| Tier 1 risk-based capital ratio | 12.6446% | 4,442 |
| Total risk-based capital ratio | 13.6779% | 4,555 |
| Memoranda: | ||
| Average total assets | $160,387,750 | 3,788 |
| Average earning assets | $148,633,000 | 3,750 |
| Average equity | $13,304,000 | 4,460 |
| Average total loans | $114,567,000 | 3,622 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3654% | 5,324 |
| Cost of funding earning assets | 2.4329% | 1,836 |
| Net interest margin | 2.9326% | 6,728 |
| Noninterest income to average assets | 0.2930% | 6,163 |
| Noninterest expense to average assets | 3.1224% | 3,614 |
| Loan and lease loss provision to assets | 0.1552% | 5,521 |
| Net operating income to assets | -0.1902% | 6,170 |
| Return on assets (ROA) | -0.2880% | 6,329 |
| Pretax return on assets | -0.4047% | 6,332 |
| Return on Equity (ROE) | -3.5007% | 6,417 |
| Retained earnings to average equity (ytd only) | -3.5007% | 6,043 |
| Net charge-offs to loans | 0.0177% | 6,274 |
| Credit loss provision to net charge-offs | 1,250.0000% | 394 |
| Earnings coverage of net charge-offs (x) | -9.0000% | 6,515 |
| Efficiency ratio | 103.7113% | 1,042 |
| Assets per employee ($millions) | 5.9509% | 1,233 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8880% | 6,825 |
| Loan loss allowance to noncurrent loans | 37.3285% | 5,915 |
| Noncurrent assets plus other real estate owned to assets | 1.8036% | 3,469 |
| Noncurrent loans to loans | 2.3789% | 3,034 |
| Net loans and leases to total assets | 71.8245% | 3,270 |
| Net loans and leases to deposits | 90.9108% | 2,674 |
| Net loans and leases to core deposits | 111.6233% | 3,190 |
| Total domestic deposits to total assets | 79.0054% | 5,813 |
| Equity capital to assets | 8.2073% | 6,478 |
| Core capital (leverage) ratio | 8.0225% | 6,286 |
| Tier 1 risk-based capital ratio | 12.6337% | 4,411 |
| Total risk-based capital ratio | 13.6521% | 4,526 |
| Memoranda: | ||
| Average total assets | $161,094,330 | 3,803 |
| Average earning assets | $149,289,670 | 3,761 |
| Average equity | $13,254,670 | 4,475 |
| Average total loans | $113,082,670 | 3,697 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2940% | 5,917 |
| Cost of funding earning assets | 2.5032% | 1,907 |
| Net interest margin | 2.7908% | 7,014 |
| Noninterest income to average assets | 0.2951% | 6,074 |
| Noninterest expense to average assets | 3.4469% | 2,239 |
| Loan and lease loss provision to assets | 0.2356% | 4,096 |
| Net operating income to assets | -0.5416% | 6,916 |
| Return on assets (ROA) | -0.7315% | 7,115 |
| Pretax return on assets | -1.0638% | 7,180 |
| Return on Equity (ROE) | -8.8799% | 7,293 |
| Retained earnings to average equity (ytd only) | -8.8799% | 7,004 |
| Net charge-offs to loans | 0.0359% | 5,010 |
| Credit loss provision to net charge-offs | 950.0000% | 658 |
| Earnings coverage of net charge-offs (x) | -22.3000% | 5,669 |
| Efficiency ratio | 119.1088% | 648 |
| Assets per employee ($millions) | 5.8693% | 1,274 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8931% | 6,781 |
| Loan loss allowance to noncurrent loans | 26.5188% | 6,805 |
| Noncurrent assets plus other real estate owned to assets | 2.3816% | 2,400 |
| Noncurrent loans to loans | 3.3679% | 1,903 |
| Net loans and leases to total assets | 67.7924% | 4,185 |
| Net loans and leases to deposits | 84.0640% | 3,975 |
| Net loans and leases to core deposits | 106.9081% | 3,808 |
| Total domestic deposits to total assets | 80.6438% | 5,117 |
| Equity capital to assets | 8.0291% | 6,763 |
| Core capital (leverage) ratio | 7.9388% | 6,560 |
| Tier 1 risk-based capital ratio | 12.3811% | 4,634 |
| Total risk-based capital ratio | 13.3549% | 4,771 |
| Memoranda: | ||
| Average total assets | $161,304,000 | 3,808 |
| Average earning assets | $150,207,000 | 3,751 |
| Average equity | $13,288,500 | 4,512 |
| Average total loans | $111,405,000 | 3,753 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9836% | 5,625 |
| Cost of funding earning assets | 2.8382% | 2,538 |
| Net interest margin | 3.1454% | 6,534 |
| Noninterest income to average assets | 0.3269% | 6,107 |
| Noninterest expense to average assets | 2.6978% | 5,274 |
| Loan and lease loss provision to assets | 0.0817% | 6,366 |
| Net operating income to assets | 0.2802% | 5,614 |
| Return on assets (ROA) | 0.1015% | 5,952 |
| Pretax return on assets | 0.2111% | 5,705 |
| Return on Equity (ROE) | 1.1371% | 5,878 |
| Retained earnings to average equity (ytd only) | 1.1371% | 4,550 |
| Net charge-offs to loans | 0.1097% | 5,181 |
| Credit loss provision to net charge-offs | 100.0000% | 5,290 |
| Earnings coverage of net charge-offs (x) | 7.0000% | 3,215 |
| Efficiency ratio | 82.5036% | 2,237 |
| Assets per employee ($millions) | 5.6524% | 1,350 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8325% | 6,966 |
| Loan loss allowance to noncurrent loans | 44.6767% | 5,772 |
| Noncurrent assets plus other real estate owned to assets | 1.3806% | 3,428 |
| Noncurrent loans to loans | 1.8633% | 2,968 |
| Net loans and leases to total assets | 69.1719% | 4,211 |
| Net loans and leases to deposits | 92.5966% | 3,033 |
| Net loans and leases to core deposits | 117.9696% | 2,891 |
| Total domestic deposits to total assets | 74.7024% | 6,517 |
| Equity capital to assets | 8.4553% | 6,163 |
| Core capital (leverage) ratio | 8.5839% | 5,418 |
| Tier 1 risk-based capital ratio | 13.2803% | 3,948 |
| Total risk-based capital ratio | 14.2220% | 4,049 |
| Memoranda: | ||
| Average total assets | $146,823,600 | 3,955 |
| Average earning assets | $137,375,400 | 3,904 |
| Average equity | $13,103,200 | 4,541 |
| Average total loans | $109,353,400 | 3,693 |