Home > Cache Bank and Trust > Performance and Condition Ratios
Cache Bank and Trust, Performance and Condition Ratios
| 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 | 1.6046% | 4,821 |
| Cost of funding earning assets | 0.2921% | 2,665 |
| Net interest margin | 1.3125% | 4,826 |
| Noninterest income to average assets | 0.1578% | 4,409 |
| Noninterest expense to average assets | 2.5846% | 1,887 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | -1.1940% | 4,872 |
| Return on assets (ROA) | -0.9125% | 4,860 |
| Pretax return on assets | -0.9125% | 4,857 |
| Return on Equity (ROE) | -7.8694% | 4,871 |
| Retained earnings to average equity (ytd only) | -7.8694% | 4,828 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 185.8594% | 23 |
| Assets per employee ($millions) | 6.0568% | 2,637 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1055% | 3,415 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 20.7543% | 4,785 |
| Net loans and leases to deposits | 23.4472% | 4,794 |
| Net loans and leases to core deposits | 25.1136% | 4,785 |
| Total domestic deposits to total assets | 88.5149% | 1,558 |
| Equity capital to assets | 11.2365% | 1,866 |
| Core capital (leverage) ratio | 10.7872% | 1,823 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 37.9953% | 144 |
| Memoranda: | ||
| Average total assets | $113,233,500 | 3,912 |
| Average earning assets | $106,360,000 | 3,889 |
| Average equity | $13,130,750 | 3,873 |
| Average total loans | $25,724,250 | 4,517 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6812% | 4,854 |
| Cost of funding earning assets | 0.3067% | 2,723 |
| Net interest margin | 1.3745% | 4,860 |
| Noninterest income to average assets | 0.1723% | 4,347 |
| Noninterest expense to average assets | 2.6141% | 1,820 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | -1.1526% | 4,904 |
| Return on assets (ROA) | -1.1526% | 4,904 |
| Pretax return on assets | -1.1526% | 4,901 |
| Return on Equity (ROE) | -9.8353% | 4,914 |
| Retained earnings to average equity (ytd only) | -9.8353% | 4,870 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 178.8578% | 28 |
| Assets per employee ($millions) | 6.0758% | 2,538 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1235% | 3,316 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 20.2789% | 4,832 |
| Net loans and leases to deposits | 22.8937% | 4,840 |
| Net loans and leases to core deposits | 24.5743% | 4,834 |
| Total domestic deposits to total assets | 88.5785% | 1,530 |
| Equity capital to assets | 11.2353% | 1,805 |
| Core capital (leverage) ratio | 10.9857% | 1,621 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 37.4252% | 152 |
| Memoranda: | ||
| Average total assets | $112,618,000 | 3,940 |
| Average earning assets | $105,640,333 | 3,916 |
| Average equity | $13,197,333 | 3,874 |
| Average total loans | $26,248,667 | 4,544 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5678% | 4,896 |
| Cost of funding earning assets | 0.3266% | 2,736 |
| Net interest margin | 1.2412% | 4,905 |
| Noninterest income to average assets | 0.2410% | 3,951 |
| Noninterest expense to average assets | 2.7193% | 1,577 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | -1.3165% | 4,938 |
| Return on assets (ROA) | -1.3165% | 4,938 |
| Pretax return on assets | -1.3165% | 4,938 |
| Return on Equity (ROE) | -10.9984% | 4,943 |
| Retained earnings to average equity (ytd only) | -10.9984% | 4,831 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 193.8462% | 18 |
| Assets per employee ($millions) | 5.5627% | 3,051 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0058% | 3,815 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 23.4448% | 4,815 |
| Net loans and leases to deposits | 26.6539% | 4,831 |
| Net loans and leases to core deposits | 28.6211% | 4,828 |
| Total domestic deposits to total assets | 87.9599% | 1,863 |
| Equity capital to assets | 11.7462% | 1,416 |
| Core capital (leverage) ratio | 11.6311% | 1,333 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 35.2407% | 179 |
| Memoranda: | ||
| Average total assets | $111,207,000 | 3,963 |
| Average earning assets | $104,092,500 | 3,936 |
| Average equity | $13,311,000 | 3,871 |
| Average total loans | $27,535,000 | 4,541 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3647% | 4,869 |
| Cost of funding earning assets | 0.3948% | 3,611 |
| Net interest margin | 1.9699% | 4,840 |
| Noninterest income to average assets | 0.2670% | 3,883 |
| Noninterest expense to average assets | 2.8958% | 1,700 |
| Loan and lease loss provision to assets | -0.1483% | 4,968 |
| Net operating income to assets | -0.8194% | 4,913 |
| Return on assets (ROA) | -0.8194% | 4,916 |
| Pretax return on assets | -0.6489% | 4,894 |
| Return on Equity (ROE) | -6.2451% | 4,911 |
| Retained earnings to average equity (ytd only) | -6.2451% | 4,859 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 137.9859% | 44 |
| Assets per employee ($millions) | 5.2934% | 3,053 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9192% | 4,136 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 25.6007% | 4,828 |
| Net loans and leases to deposits | 29.2669% | 4,843 |
| Net loans and leases to core deposits | 31.2767% | 4,837 |
| Total domestic deposits to total assets | 87.4731% | 1,717 |
| Equity capital to assets | 12.1931% | 1,479 |
| Core capital (leverage) ratio | 12.4370% | 1,063 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.9190% | 204 |
| Memoranda: | ||
| Average total assets | $107,881,200 | 3,899 |
| Average earning assets | $100,308,600 | 3,891 |
| Average equity | $14,155,200 | 3,736 |
| Average total loans | $38,092,800 | 4,352 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5714% | 4,893 |
| Cost of funding earning assets | 0.4143% | 3,734 |
| Net interest margin | 2.1571% | 4,829 |
| Noninterest income to average assets | 0.2827% | 3,792 |
| Noninterest expense to average assets | 2.9926% | 1,459 |
| Loan and lease loss provision to assets | -0.0121% | 4,966 |
| Net operating income to assets | -0.6526% | 4,913 |
| Return on assets (ROA) | -0.6526% | 4,918 |
| Pretax return on assets | -0.6937% | 4,913 |
| Return on Equity (ROE) | -4.8838% | 4,913 |
| Retained earnings to average equity (ytd only) | -4.8838% | 4,841 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 130.8824% | 58 |
| Assets per employee ($millions) | 5.3925% | 2,800 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1882% | 2,730 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 32.0770% | 4,788 |
| Net loans and leases to deposits | 36.9680% | 4,812 |
| Net loans and leases to core deposits | 39.6764% | 4,789 |
| Total domestic deposits to total assets | 86.7696% | 1,744 |
| Equity capital to assets | 12.9634% | 1,198 |
| Core capital (leverage) ratio | 12.6634% | 1,056 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $107,061,250 | 3,908 |
| Average earning assets | $99,451,000 | 3,899 |
| Average equity | $14,305,500 | 3,723 |
| Average total loans | $40,435,500 | 4,327 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8184% | 4,901 |
| Cost of funding earning assets | 0.4300% | 3,895 |
| Net interest margin | 2.3883% | 4,797 |
| Noninterest income to average assets | 0.2453% | 4,003 |
| Noninterest expense to average assets | 3.0506% | 1,459 |
| Loan and lease loss provision to assets | -0.0187% | 5,007 |
| Net operating income to assets | -0.5094% | 4,918 |
| Return on assets (ROA) | -0.5094% | 4,914 |
| Pretax return on assets | -0.5712% | 4,911 |
| Return on Equity (ROE) | -3.7742% | 4,912 |
| Retained earnings to average equity (ytd only) | -3.7742% | 4,712 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 123.9726% | 77 |
| Assets per employee ($millions) | 6.7121% | 1,625 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1166% | 2,954 |
| Loan loss allowance to noncurrent loans | 138.3333% | 2,729 |
| Noncurrent assets plus other real estate owned to assets | 0.2793% | 3,206 |
| Noncurrent loans to loans | 0.8071% | 1,881 |
| Net loans and leases to total assets | 34.2226% | 4,776 |
| Net loans and leases to deposits | 39.5457% | 4,803 |
| Net loans and leases to core deposits | 42.7117% | 4,783 |
| Total domestic deposits to total assets | 86.5393% | 1,790 |
| Equity capital to assets | 13.2493% | 1,063 |
| Core capital (leverage) ratio | 13.1606% | 955 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $106,798,333 | 3,905 |
| Average earning assets | $99,064,333 | 3,892 |
| Average equity | $14,413,667 | 3,715 |
| Average total loans | $42,243,667 | 4,308 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0670% | 4,924 |
| Cost of funding earning assets | 0.4347% | 4,220 |
| Net interest margin | 2.6324% | 4,730 |
| Noninterest income to average assets | 0.1991% | 4,361 |
| Noninterest expense to average assets | 3.2901% | 1,247 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | -0.5111% | 4,931 |
| Return on assets (ROA) | -0.4131% | 4,883 |
| Pretax return on assets | -0.5333% | 4,895 |
| Return on Equity (ROE) | -3.0332% | 4,873 |
| Retained earnings to average equity (ytd only) | -3.0332% | 4,356 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 124.9643% | 94 |
| Assets per employee ($millions) | 5.0431% | 2,604 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0146% | 3,629 |
| Loan loss allowance to noncurrent loans | 141.3333% | 2,660 |
| Noncurrent assets plus other real estate owned to assets | 0.2974% | 3,265 |
| Noncurrent loans to loans | 0.7179% | 2,205 |
| Net loans and leases to total assets | 41.0109% | 4,630 |
| Net loans and leases to deposits | 48.1189% | 4,656 |
| Net loans and leases to core deposits | 51.8008% | 4,635 |
| Total domestic deposits to total assets | 85.2282% | 2,319 |
| Equity capital to assets | 14.4079% | 924 |
| Core capital (leverage) ratio | 13.7308% | 976 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $106,500,500 | 3,894 |
| Average earning assets | $98,467,000 | 3,895 |
| Average equity | $14,506,000 | 3,716 |
| Average total loans | $44,781,500 | 4,255 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9101% | 4,420 |
| Cost of funding earning assets | 0.4389% | 4,313 |
| Net interest margin | 3.4712% | 3,533 |
| Noninterest income to average assets | 0.3464% | 3,633 |
| Noninterest expense to average assets | 3.1905% | 1,546 |
| Loan and lease loss provision to assets | -0.0407% | 4,999 |
| Net operating income to assets | 0.2900% | 4,758 |
| Return on assets (ROA) | 0.2532% | 4,818 |
| Pretax return on assets | 0.3583% | 4,759 |
| Return on Equity (ROE) | 2.1464% | 4,779 |
| Retained earnings to average equity (ytd only) | 2.1464% | 3,921 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.7546% | 362 |
| Assets per employee ($millions) | 4.6725% | 2,984 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8875% | 4,018 |
| Loan loss allowance to noncurrent loans | 141.3333% | 2,689 |
| Noncurrent assets plus other real estate owned to assets | 0.2675% | 3,356 |
| Noncurrent loans to loans | 0.6279% | 2,315 |
| Net loans and leases to total assets | 42.2249% | 4,668 |
| Net loans and leases to deposits | 48.7100% | 4,723 |
| Net loans and leases to core deposits | 51.8682% | 4,710 |
| Total domestic deposits to total assets | 86.6863% | 1,759 |
| Equity capital to assets | 12.9124% | 1,574 |
| Core capital (leverage) ratio | 13.0268% | 1,226 |
| Tier 1 risk-based capital ratio | 24.4803% | 787 |
| Total risk-based capital ratio | 25.2310% | 808 |
| Memoranda: | ||
| Average total assets | $118,070,000 | 3,729 |
| Average earning assets | $109,127,600 | 3,725 |
| Average equity | $13,930,000 | 3,763 |
| Average total loans | $54,538,400 | 4,090 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0738% | 4,214 |
| Cost of funding earning assets | 0.4359% | 4,381 |
| Net interest margin | 3.6379% | 3,143 |
| Noninterest income to average assets | 0.3580% | 3,588 |
| Noninterest expense to average assets | 3.1283% | 1,644 |
| Loan and lease loss provision to assets | 0.0134% | 3,634 |
| Net operating income to assets | 0.4176% | 4,692 |
| Return on assets (ROA) | 0.3691% | 4,794 |
| Pretax return on assets | 0.5152% | 4,683 |
| Return on Equity (ROE) | 3.1997% | 4,734 |
| Retained earnings to average equity (ytd only) | 3.1997% | 3,803 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.1332% | 610 |
| Assets per employee ($millions) | 4.4080% | 3,330 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8894% | 4,088 |
| Loan loss allowance to noncurrent loans | 161.0000% | 2,490 |
| Noncurrent assets plus other real estate owned to assets | 0.2618% | 3,517 |
| Noncurrent loans to loans | 0.5524% | 2,642 |
| Net loans and leases to total assets | 46.9636% | 4,554 |
| Net loans and leases to deposits | 53.9562% | 4,636 |
| Net loans and leases to core deposits | 59.8131% | 4,541 |
| Total domestic deposits to total assets | 87.0402% | 1,493 |
| Equity capital to assets | 12.6640% | 1,803 |
| Core capital (leverage) ratio | 11.8528% | 1,957 |
| Tier 1 risk-based capital ratio | 22.3188% | 1,031 |
| Total risk-based capital ratio | 23.0933% | 1,064 |
| Memoranda: | ||
| Average total assets | $119,552,500 | 3,750 |
| Average earning assets | $110,427,000 | 3,745 |
| Average equity | $13,792,500 | 3,818 |
| Average total loans | $56,229,250 | 4,094 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1726% | 3,989 |
| Cost of funding earning assets | 0.4251% | 4,415 |
| Net interest margin | 3.7475% | 2,764 |
| Noninterest income to average assets | 0.3960% | 3,291 |
| Noninterest expense to average assets | 3.2030% | 1,501 |
| Loan and lease loss provision to assets | 0.0198% | 3,397 |
| Net operating income to assets | 0.4554% | 4,628 |
| Return on assets (ROA) | 0.4554% | 4,656 |
| Pretax return on assets | 0.6353% | 4,479 |
| Return on Equity (ROE) | 4.0732% | 4,564 |
| Retained earnings to average equity (ytd only) | 4.0732% | 3,211 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.0197% | 730 |
| Assets per employee ($millions) | 4.4738% | 3,183 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8679% | 4,205 |
| Loan loss allowance to noncurrent loans | 160.0000% | 2,530 |
| Noncurrent assets plus other real estate owned to assets | 0.2484% | 3,579 |
| Noncurrent loans to loans | 0.5424% | 2,645 |
| Net loans and leases to total assets | 45.3913% | 4,665 |
| Net loans and leases to deposits | 51.6125% | 4,756 |
| Net loans and leases to core deposits | 57.1463% | 4,673 |
| Total domestic deposits to total assets | 87.9462% | 1,124 |
| Equity capital to assets | 11.8005% | 2,343 |
| Core capital (leverage) ratio | 10.8148% | 2,774 |
| Tier 1 risk-based capital ratio | 20.5692% | 1,239 |
| Total risk-based capital ratio | 21.2876% | 1,318 |
| Memoranda: | ||
| Average total assets | $121,200,670 | 3,741 |
| Average earning assets | $111,969,000 | 3,741 |
| Average equity | $13,552,000 | 3,853 |
| Average total loans | $56,870,000 | 4,106 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2431% | 3,737 |
| Cost of funding earning assets | 0.4204% | 4,400 |
| Net interest margin | 3.8227% | 2,443 |
| Noninterest income to average assets | 0.4382% | 2,922 |
| Noninterest expense to average assets | 3.1893% | 1,520 |
| Loan and lease loss provision to assets | 0.0297% | 3,026 |
| Net operating income to assets | 0.5305% | 4,432 |
| Return on assets (ROA) | 0.5305% | 4,456 |
| Pretax return on assets | 0.7545% | 4,164 |
| Return on Equity (ROE) | 4.8784% | 4,353 |
| Retained earnings to average equity (ytd only) | 4.8784% | 2,958 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.2653% | 1,037 |
| Assets per employee ($millions) | 4.8691% | 2,679 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8413% | 4,383 |
| Loan loss allowance to noncurrent loans | 159.3333% | 2,559 |
| Noncurrent assets plus other real estate owned to assets | 0.2465% | 3,630 |
| Noncurrent loans to loans | 0.5280% | 2,735 |
| Net loans and leases to total assets | 46.2823% | 4,657 |
| Net loans and leases to deposits | 52.2103% | 4,751 |
| Net loans and leases to core deposits | 57.5441% | 4,656 |
| Total domestic deposits to total assets | 88.6459% | 1,018 |
| Equity capital to assets | 11.0501% | 2,799 |
| Core capital (leverage) ratio | 9.9241% | 3,683 |
| Tier 1 risk-based capital ratio | 19.8070% | 1,375 |
| Total risk-based capital ratio | 20.5050% | 1,464 |
| Memoranda: | ||
| Average total assets | $121,405,000 | 3,778 |
| Average earning assets | $112,277,500 | 3,780 |
| Average equity | $13,201,000 | 3,918 |
| Average total loans | $57,650,500 | 4,138 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5870% | 4,810 |
| Cost of funding earning assets | 0.3351% | 4,378 |
| Net interest margin | 3.2520% | 4,377 |
| Noninterest income to average assets | 0.2711% | 4,293 |
| Noninterest expense to average assets | 2.7781% | 2,760 |
| Loan and lease loss provision to assets | -0.0293% | 5,153 |
| Net operating income to assets | 0.3852% | 4,884 |
| Return on assets (ROA) | 0.3899% | 4,873 |
| Pretax return on assets | 0.5511% | 4,719 |
| Return on Equity (ROE) | 4.0036% | 4,711 |
| Retained earnings to average equity (ytd only) | 4.0036% | 3,369 |
| Net charge-offs to loans | -0.0389% | 4,889 |
| Credit loss provision to net charge-offs | 173.9130% | 1,616 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.3382% | 632 |
| Assets per employee ($millions) | 4.6570% | 2,949 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8019% | 4,528 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 47.9142% | 4,645 |
| Net loans and leases to deposits | 53.8937% | 4,754 |
| Net loans and leases to core deposits | 59.7370% | 4,642 |
| Total domestic deposits to total assets | 88.9051% | 896 |
| Equity capital to assets | 10.6960% | 2,992 |
| Core capital (leverage) ratio | 9.9980% | 3,580 |
| Tier 1 risk-based capital ratio | 18.7010% | 1,571 |
| Total risk-based capital ratio | 19.3611% | 1,685 |
| Memoranda: | ||
| Average total assets | $136,459,000 | 3,561 |
| Average earning assets | $126,846,600 | 3,549 |
| Average equity | $13,288,200 | 3,846 |
| Average total loans | $59,085,200 | 4,116 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4242% | 5,008 |
| Cost of funding earning assets | 0.3140% | 4,420 |
| Net interest margin | 3.1103% | 4,687 |
| Noninterest income to average assets | 0.2699% | 4,348 |
| Noninterest expense to average assets | 2.7169% | 2,928 |
| Loan and lease loss provision to assets | 0.0095% | 3,799 |
| Net operating income to assets | 0.3028% | 5,093 |
| Return on assets (ROA) | 0.3088% | 5,083 |
| Pretax return on assets | 0.4504% | 4,967 |
| Return on Equity (ROE) | 3.2404% | 4,965 |
| Retained earnings to average equity (ytd only) | 3.2404% | 4,120 |
| Net charge-offs to loans | -0.0518% | 4,942 |
| Credit loss provision to net charge-offs | -43.4783% | 4,149 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.7271% | 532 |
| Assets per employee ($millions) | 4.8429% | 2,663 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8870% | 4,314 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 47.8042% | 4,725 |
| Net loans and leases to deposits | 53.4166% | 4,843 |
| Net loans and leases to core deposits | 59.3195% | 4,730 |
| Total domestic deposits to total assets | 89.4931% | 678 |
| Equity capital to assets | 10.1872% | 3,465 |
| Core capital (leverage) ratio | 9.8132% | 3,838 |
| Tier 1 risk-based capital ratio | 18.2487% | 1,729 |
| Total risk-based capital ratio | 18.9762% | 1,820 |
| Memoranda: | ||
| Average total assets | $140,303,000 | 3,537 |
| Average earning assets | $130,789,250 | 3,519 |
| Average equity | $13,372,500 | 3,865 |
| Average total loans | $59,235,250 | 4,155 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2638% | 5,174 |
| Cost of funding earning assets | 0.2861% | 4,527 |
| Net interest margin | 2.9777% | 4,907 |
| Noninterest income to average assets | 0.2945% | 4,211 |
| Noninterest expense to average assets | 2.5969% | 3,338 |
| Loan and lease loss provision to assets | 0.0136% | 3,600 |
| Net operating income to assets | 0.3090% | 5,105 |
| Return on assets (ROA) | 0.3176% | 5,089 |
| Pretax return on assets | 0.4758% | 4,944 |
| Return on Equity (ROE) | 3.3968% | 4,947 |
| Retained earnings to average equity (ytd only) | 3.3968% | 3,878 |
| Net charge-offs to loans | -0.0773% | 5,071 |
| Credit loss provision to net charge-offs | -43.4783% | 4,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.4415% | 664 |
| Assets per employee ($millions) | 4.6776% | 2,844 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8900% | 4,384 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 47.4309% | 4,750 |
| Net loans and leases to deposits | 53.4814% | 4,861 |
| Net loans and leases to core deposits | 58.5517% | 4,765 |
| Total domestic deposits to total assets | 88.6866% | 1,061 |
| Equity capital to assets | 11.0971% | 2,543 |
| Core capital (leverage) ratio | 10.4803% | 3,053 |
| Tier 1 risk-based capital ratio | 19.7103% | 1,377 |
| Total risk-based capital ratio | 20.4436% | 1,460 |
| Memoranda: | ||
| Average total assets | $146,713,000 | 3,480 |
| Average earning assets | $137,017,330 | 3,460 |
| Average equity | $13,718,670 | 3,834 |
| Average total loans | $59,515,000 | 4,174 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9360% | 5,400 |
| Cost of funding earning assets | 0.2547% | 4,680 |
| Net interest margin | 2.6813% | 5,267 |
| Noninterest income to average assets | 0.1633% | 5,041 |
| Noninterest expense to average assets | 2.3936% | 3,965 |
| Loan and lease loss provision to assets | 0.0251% | 3,190 |
| Net operating income to assets | 0.2562% | 5,166 |
| Return on assets (ROA) | 0.2763% | 5,128 |
| Pretax return on assets | 0.2763% | 5,184 |
| Return on Equity (ROE) | 3.1815% | 4,976 |
| Retained earnings to average equity (ytd only) | 3.1815% | 3,933 |
| Net charge-offs to loans | -0.1529% | 5,322 |
| Credit loss provision to net charge-offs | -43.4783% | 3,614 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.4836% | 468 |
| Assets per employee ($millions) | 4.6093% | 2,989 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8969% | 4,464 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6028% | 2,504 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 45.3781% | 4,826 |
| Net loans and leases to deposits | 50.8231% | 4,929 |
| Net loans and leases to core deposits | 55.0061% | 4,879 |
| Total domestic deposits to total assets | 89.2864% | 968 |
| Equity capital to assets | 10.4324% | 3,140 |
| Core capital (leverage) ratio | 10.4487% | 3,008 |
| Tier 1 risk-based capital ratio | 18.7613% | 1,613 |
| Total risk-based capital ratio | 19.4709% | 1,726 |
| Memoranda: | ||
| Average total assets | $159,261,000 | 3,369 |
| Average earning assets | $149,183,000 | 3,341 |
| Average equity | $13,830,000 | 3,851 |
| Average total loans | $60,171,500 | 4,191 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2692% | 5,122 |
| Cost of funding earning assets | 0.2503% | 4,558 |
| Net interest margin | 3.0189% | 4,844 |
| Noninterest income to average assets | 0.1586% | 5,167 |
| Noninterest expense to average assets | 2.6112% | 3,408 |
| Loan and lease loss provision to assets | 0.3359% | 493 |
| Net operating income to assets | 0.4800% | 4,426 |
| Return on assets (ROA) | 0.4235% | 4,641 |
| Pretax return on assets | -0.0572% | 5,457 |
| Return on Equity (ROE) | 4.5037% | 4,346 |
| Retained earnings to average equity (ytd only) | 4.5037% | 2,451 |
| Net charge-offs to loans | 0.8094% | 248 |
| Credit loss provision to net charge-offs | 95.8661% | 2,691 |
| Earnings coverage of net charge-offs (x) | 1.0472% | 3,933 |
| Efficiency ratio | 87.6795% | 551 |
| Assets per employee ($millions) | 7.2870% | 851 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8115% | 4,790 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4106% | 3,217 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 32.0650% | 5,392 |
| Net loans and leases to deposits | 34.7498% | 5,452 |
| Net loans and leases to core deposits | 36.6347% | 5,448 |
| Total domestic deposits to total assets | 92.2739% | 64 |
| Equity capital to assets | 7.4928% | 5,538 |
| Core capital (leverage) ratio | 10.4353% | 2,920 |
| Tier 1 risk-based capital ratio | 18.0221% | 1,801 |
| Total risk-based capital ratio | 18.6632% | 1,922 |
| Memoranda: | ||
| Average total assets | $144,991,400 | 3,540 |
| Average earning assets | $135,415,200 | 3,515 |
| Average equity | $13,633,200 | 3,893 |
| Average total loans | $62,765,200 | 4,137 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5424% | 4,710 |
| Cost of funding earning assets | 0.2700% | 4,410 |
| Net interest margin | 3.2724% | 4,256 |
| Noninterest income to average assets | 0.2301% | 4,836 |
| Noninterest expense to average assets | 2.8414% | 2,593 |
| Loan and lease loss provision to assets | 0.4701% | 259 |
| Net operating income to assets | -0.0428% | 5,531 |
| Return on assets (ROA) | -0.0428% | 5,537 |
| Pretax return on assets | -0.0398% | 5,524 |
| Return on Equity (ROE) | -0.4249% | 5,534 |
| Retained earnings to average equity (ytd only) | -0.4249% | 5,275 |
| Net charge-offs to loans | 1.0853% | 154 |
| Credit loss provision to net charge-offs | 91.8288% | 2,437 |
| Earnings coverage of net charge-offs (x) | 0.8405% | 3,626 |
| Efficiency ratio | 86.8493% | 576 |
| Assets per employee ($millions) | 5.6146% | 1,815 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7493% | 5,022 |
| Loan loss allowance to noncurrent loans | 63.5514% | 4,267 |
| Noncurrent assets plus other real estate owned to assets | 0.9689% | 1,751 |
| Noncurrent loans to loans | 1.1791% | 1,631 |
| Net loans and leases to total assets | 44.9154% | 4,989 |
| Net loans and leases to deposits | 49.9240% | 5,129 |
| Net loans and leases to core deposits | 53.5359% | 5,084 |
| Total domestic deposits to total assets | 89.9677% | 489 |
| Equity capital to assets | 9.7538% | 4,187 |
| Core capital (leverage) ratio | 10.3977% | 3,090 |
| Tier 1 risk-based capital ratio | 17.8542% | 1,894 |
| Total risk-based capital ratio | 18.4612% | 2,043 |
| Memoranda: | ||
| Average total assets | $133,873,750 | 3,726 |
| Average earning assets | $124,432,500 | 3,707 |
| Average equity | $13,492,500 | 3,959 |
| Average total loans | $63,144,500 | 4,152 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6162% | 4,471 |
| Cost of funding earning assets | 0.2705% | 4,371 |
| Net interest margin | 3.3457% | 3,968 |
| Noninterest income to average assets | 0.2597% | 4,675 |
| Noninterest expense to average assets | 2.9034% | 2,416 |
| Loan and lease loss provision to assets | 0.2733% | 580 |
| Net operating income to assets | 0.1777% | 5,427 |
| Return on assets (ROA) | 0.1777% | 5,433 |
| Pretax return on assets | 0.1822% | 5,441 |
| Return on Equity (ROE) | 1.7428% | 5,375 |
| Retained earnings to average equity (ytd only) | 1.7428% | 4,551 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.4376% | 661 |
| Assets per employee ($millions) | 4.6731% | 2,828 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0888% | 3,649 |
| Loan loss allowance to noncurrent loans | 47.6451% | 4,642 |
| Noncurrent assets plus other real estate owned to assets | 1.5866% | 936 |
| Noncurrent loans to loans | 2.2852% | 701 |
| Net loans and leases to total assets | 48.4619% | 4,794 |
| Net loans and leases to deposits | 56.3989% | 4,842 |
| Net loans and leases to core deposits | 61.3841% | 4,747 |
| Total domestic deposits to total assets | 85.9271% | 2,402 |
| Equity capital to assets | 10.5979% | 3,231 |
| Core capital (leverage) ratio | 10.5078% | 2,905 |
| Tier 1 risk-based capital ratio | 17.6160% | 1,966 |
| Total risk-based capital ratio | 18.4831% | 2,034 |
| Memoranda: | ||
| Average total assets | $131,709,670 | 3,782 |
| Average earning assets | $122,006,000 | 3,765 |
| Average equity | $13,426,330 | 3,973 |
| Average total loans | $63,018,670 | 4,173 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6060% | 4,405 |
| Cost of funding earning assets | 0.2585% | 4,469 |
| Net interest margin | 3.3475% | 3,855 |
| Noninterest income to average assets | 0.2058% | 5,040 |
| Noninterest expense to average assets | 2.9241% | 2,384 |
| Loan and lease loss provision to assets | 0.0454% | 2,891 |
| Net operating income to assets | 0.3330% | 5,122 |
| Return on assets (ROA) | 0.3330% | 5,145 |
| Pretax return on assets | 0.3330% | 5,265 |
| Return on Equity (ROE) | 3.3318% | 5,011 |
| Retained earnings to average equity (ytd only) | 3.3318% | 3,769 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.5426% | 631 |
| Assets per employee ($millions) | 4.7556% | 2,762 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8316% | 4,985 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4589% | 3,371 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 47.7320% | 4,847 |
| Net loans and leases to deposits | 58.4499% | 4,671 |
| Net loans and leases to core deposits | 63.1034% | 4,591 |
| Total domestic deposits to total assets | 81.6631% | 4,257 |
| Equity capital to assets | 10.0324% | 3,714 |
| Core capital (leverage) ratio | 10.3639% | 3,038 |
| Tier 1 risk-based capital ratio | 17.4781% | 2,033 |
| Total risk-based capital ratio | 18.1353% | 2,183 |
| Memoranda: | ||
| Average total assets | $132,141,000 | 3,811 |
| Average earning assets | $122,240,000 | 3,807 |
| Average equity | $13,206,000 | 4,029 |
| Average total loans | $62,473,500 | 4,224 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4035% | 4,971 |
| Cost of funding earning assets | 0.2298% | 4,740 |
| Net interest margin | 3.1737% | 4,523 |
| Noninterest income to average assets | 0.3049% | 4,561 |
| Noninterest expense to average assets | 3.1229% | 1,969 |
| Loan and lease loss provision to assets | -0.0508% | 5,591 |
| Net operating income to assets | 0.1352% | 5,516 |
| Return on assets (ROA) | 0.3924% | 5,049 |
| Pretax return on assets | 0.3940% | 5,233 |
| Return on Equity (ROE) | 3.5316% | 5,003 |
| Retained earnings to average equity (ytd only) | 3.5316% | 3,420 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.3203% | 273 |
| Assets per employee ($millions) | 4.2298% | 3,571 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8512% | 4,956 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4660% | 3,393 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 46.0152% | 5,016 |
| Net loans and leases to deposits | 52.7177% | 5,079 |
| Net loans and leases to core deposits | 56.6816% | 5,022 |
| Total domestic deposits to total assets | 87.2861% | 1,984 |
| Equity capital to assets | 9.9547% | 3,765 |
| Core capital (leverage) ratio | 10.5675% | 2,812 |
| Tier 1 risk-based capital ratio | 18.0070% | 1,845 |
| Total risk-based capital ratio | 18.6671% | 1,989 |
| Memoranda: | ||
| Average total assets | $127,927,800 | 3,865 |
| Average earning assets | $117,055,800 | 3,884 |
| Average equity | $14,214,600 | 3,919 |
| Average total loans | $54,123,400 | 4,452 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3464% | 5,131 |
| Cost of funding earning assets | 0.2288% | 4,798 |
| Net interest margin | 3.1176% | 4,724 |
| Noninterest income to average assets | 0.3125% | 4,532 |
| Noninterest expense to average assets | 3.1411% | 1,926 |
| Loan and lease loss provision to assets | 0.0105% | 4,034 |
| Net operating income to assets | 0.0066% | 5,714 |
| Return on assets (ROA) | 0.3492% | 5,248 |
| Pretax return on assets | 0.3513% | 5,375 |
| Return on Equity (ROE) | 3.0609% | 5,203 |
| Retained earnings to average equity (ytd only) | 3.0609% | 4,079 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.5017% | 235 |
| Assets per employee ($millions) | 3.9079% | 4,114 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1844% | 3,340 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.9010% | 843 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 40.8375% | 5,341 |
| Net loans and leases to deposits | 46.5808% | 5,434 |
| Net loans and leases to core deposits | 50.3701% | 5,371 |
| Total domestic deposits to total assets | 87.6702% | 1,576 |
| Equity capital to assets | 11.9814% | 2,126 |
| Core capital (leverage) ratio | 10.9624% | 2,486 |
| Tier 1 risk-based capital ratio | 20.8325% | 1,301 |
| Total risk-based capital ratio | 21.7094% | 1,328 |
| Memoranda: | ||
| Average total assets | $127,128,750 | 3,906 |
| Average earning assets | $115,983,750 | 3,922 |
| Average equity | $14,505,000 | 3,911 |
| Average total loans | $52,440,500 | 4,539 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3605% | 5,161 |
| Cost of funding earning assets | 0.2290% | 4,862 |
| Net interest margin | 3.1315% | 4,745 |
| Noninterest income to average assets | 0.3284% | 4,431 |
| Noninterest expense to average assets | 3.0839% | 2,104 |
| Loan and lease loss provision to assets | 0.0155% | 3,801 |
| Net operating income to assets | 0.0874% | 5,681 |
| Return on assets (ROA) | 0.3020% | 5,406 |
| Pretax return on assets | 0.3051% | 5,493 |
| Return on Equity (ROE) | 2.6893% | 5,332 |
| Retained earnings to average equity (ytd only) | 2.6893% | 4,188 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.7444% | 320 |
| Assets per employee ($millions) | 4.4174% | 3,187 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1099% | 3,895 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.7977% | 960 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 41.2451% | 5,370 |
| Net loans and leases to deposits | 49.8293% | 5,344 |
| Net loans and leases to core deposits | 53.7453% | 5,295 |
| Total domestic deposits to total assets | 82.7727% | 3,735 |
| Equity capital to assets | 11.2900% | 2,749 |
| Core capital (leverage) ratio | 10.6483% | 2,795 |
| Tier 1 risk-based capital ratio | 19.3601% | 1,605 |
| Total risk-based capital ratio | 20.1815% | 1,676 |
| Memoranda: | ||
| Average total assets | $129,123,000 | 3,903 |
| Average earning assets | $117,899,330 | 3,915 |
| Average equity | $14,501,670 | 3,927 |
| Average total loans | $53,232,000 | 4,549 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3697% | 5,187 |
| Cost of funding earning assets | 0.2400% | 4,805 |
| Net interest margin | 3.1297% | 4,784 |
| Noninterest income to average assets | 0.2931% | 4,625 |
| Noninterest expense to average assets | 3.2153% | 1,806 |
| Loan and lease loss provision to assets | 0.0309% | 3,252 |
| Net operating income to assets | -0.0842% | 5,839 |
| Return on assets (ROA) | 0.3579% | 5,203 |
| Pretax return on assets | 0.4011% | 5,309 |
| Return on Equity (ROE) | 3.1954% | 5,164 |
| Retained earnings to average equity (ytd only) | 3.1954% | 3,905 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.0568% | 241 |
| Assets per employee ($millions) | 4.2374% | 3,518 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1310% | 3,878 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.8116% | 1,019 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 40.7789% | 5,413 |
| Net loans and leases to deposits | 46.3643% | 5,494 |
| Net loans and leases to core deposits | 49.8050% | 5,445 |
| Total domestic deposits to total assets | 87.9533% | 1,664 |
| Equity capital to assets | 11.7155% | 2,229 |
| Core capital (leverage) ratio | 11.1196% | 2,290 |
| Tier 1 risk-based capital ratio | 21.1779% | 1,284 |
| Total risk-based capital ratio | 22.0322% | 1,320 |
| Memoranda: | ||
| Average total assets | $129,632,000 | 3,921 |
| Average earning assets | $118,349,500 | 3,934 |
| Average equity | $14,521,000 | 3,928 |
| Average total loans | $53,133,000 | 4,585 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3782% | 5,209 |
| Cost of funding earning assets | 0.2968% | 4,282 |
| Net interest margin | 3.0814% | 4,948 |
| Noninterest income to average assets | 0.4786% | 3,472 |
| Noninterest expense to average assets | 3.1504% | 2,087 |
| Loan and lease loss provision to assets | 0.0311% | 3,747 |
| Net operating income to assets | 0.1271% | 5,718 |
| Return on assets (ROA) | 0.4917% | 4,818 |
| Pretax return on assets | 0.4869% | 5,139 |
| Return on Equity (ROE) | 5.0452% | 4,483 |
| Retained earnings to average equity (ytd only) | 5.0452% | 2,383 |
| Net charge-offs to loans | 0.0037% | 4,323 |
| Credit loss provision to net charge-offs | 2,250.0000% | 153 |
| Earnings coverage of net charge-offs (x) | 111.0000% | 531 |
| Efficiency ratio | 95.3595% | 427 |
| Assets per employee ($millions) | 4.4047% | 3,207 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0830% | 4,130 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.7428% | 1,096 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 40.2983% | 5,492 |
| Net loans and leases to deposits | 47.7450% | 5,495 |
| Net loans and leases to core deposits | 51.5214% | 5,431 |
| Total domestic deposits to total assets | 84.4031% | 3,329 |
| Equity capital to assets | 10.7074% | 3,124 |
| Core capital (leverage) ratio | 10.5909% | 2,831 |
| Tier 1 risk-based capital ratio | 20.2359% | 1,440 |
| Total risk-based capital ratio | 21.0458% | 1,494 |
| Memoranda: | ||
| Average total assets | $144,808,000 | 3,651 |
| Average earning assets | $132,763,000 | 3,651 |
| Average equity | $14,112,400 | 3,952 |
| Average total loans | $54,029,400 | 4,555 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3622% | 5,291 |
| Cost of funding earning assets | 0.3054% | 4,274 |
| Net interest margin | 3.0568% | 5,059 |
| Noninterest income to average assets | 0.6172% | 2,649 |
| Noninterest expense to average assets | 3.1933% | 1,986 |
| Loan and lease loss provision to assets | 0.0946% | 2,275 |
| Net operating income to assets | 0.1496% | 5,773 |
| Return on assets (ROA) | 0.3667% | 5,352 |
| Pretax return on assets | 0.3514% | 5,555 |
| Return on Equity (ROE) | 3.8477% | 5,088 |
| Retained earnings to average equity (ytd only) | 3.8477% | 3,731 |
| Net charge-offs to loans | 0.0049% | 4,001 |
| Credit loss provision to net charge-offs | 5,250.0000% | 73 |
| Earnings coverage of net charge-offs (x) | 126.8390% | 516 |
| Efficiency ratio | 93.3123% | 509 |
| Assets per employee ($millions) | 4.4217% | 3,136 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2397% | 3,431 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.6592% | 1,318 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 35.1061% | 5,813 |
| Net loans and leases to deposits | 43.8176% | 5,732 |
| Net loans and leases to core deposits | 46.9971% | 5,694 |
| Total domestic deposits to total assets | 80.1186% | 4,714 |
| Equity capital to assets | 9.9695% | 4,188 |
| Core capital (leverage) ratio | 9.6851% | 4,046 |
| Tier 1 risk-based capital ratio | 19.4807% | 1,666 |
| Total risk-based capital ratio | 20.3525% | 1,713 |
| Memoranda: | ||
| Average total assets | $147,974,500 | 3,631 |
| Average earning assets | $135,779,500 | 3,630 |
| Average equity | $14,103,250 | 3,998 |
| Average total loans | $54,078,250 | 4,599 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3479% | 5,347 |
| Cost of funding earning assets | 0.3124% | 4,250 |
| Net interest margin | 3.0355% | 5,136 |
| Noninterest income to average assets | 0.6417% | 2,519 |
| Noninterest expense to average assets | 3.2154% | 1,938 |
| Loan and lease loss provision to assets | 0.1211% | 1,828 |
| Net operating income to assets | 0.0901% | 5,886 |
| Return on assets (ROA) | 0.2099% | 5,737 |
| Pretax return on assets | 0.2099% | 5,797 |
| Return on Equity (ROE) | 2.2357% | 5,633 |
| Retained earnings to average equity (ytd only) | 2.2357% | 4,599 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.8359% | 527 |
| Assets per employee ($millions) | 4.4164% | 3,117 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1782% | 3,915 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.6123% | 1,494 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 35.1894% | 5,855 |
| Net loans and leases to deposits | 41.9235% | 5,841 |
| Net loans and leases to core deposits | 44.9197% | 5,808 |
| Total domestic deposits to total assets | 83.9370% | 3,597 |
| Equity capital to assets | 9.1783% | 5,043 |
| Core capital (leverage) ratio | 9.1770% | 4,723 |
| Tier 1 risk-based capital ratio | 18.8244% | 1,834 |
| Total risk-based capital ratio | 19.6674% | 1,910 |
| Memoranda: | ||
| Average total assets | $148,661,000 | 3,650 |
| Average earning assets | $136,385,330 | 3,654 |
| Average equity | $13,955,330 | 4,051 |
| Average total loans | $54,815,000 | 4,619 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3428% | 5,340 |
| Cost of funding earning assets | 0.3275% | 4,129 |
| Net interest margin | 3.0153% | 5,172 |
| Noninterest income to average assets | 0.5138% | 3,198 |
| Noninterest expense to average assets | 3.2344% | 1,890 |
| Loan and lease loss provision to assets | 0.1217% | 1,705 |
| Net operating income to assets | -0.0784% | 6,081 |
| Return on assets (ROA) | 0.1623% | 5,831 |
| Pretax return on assets | 0.1623% | 5,879 |
| Return on Equity (ROE) | 1.7092% | 5,753 |
| Retained earnings to average equity (ytd only) | 1.7092% | 4,791 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.6799% | 411 |
| Assets per employee ($millions) | 3.9364% | 4,087 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0503% | 4,759 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.6622% | 1,518 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 37.7756% | 5,731 |
| Net loans and leases to deposits | 42.0076% | 5,830 |
| Net loans and leases to core deposits | 45.0241% | 5,797 |
| Total domestic deposits to total assets | 89.9256% | 776 |
| Equity capital to assets | 9.8258% | 4,357 |
| Core capital (leverage) ratio | 9.0197% | 4,928 |
| Tier 1 risk-based capital ratio | 18.4733% | 2,013 |
| Total risk-based capital ratio | 19.2415% | 2,093 |
| Memoranda: | ||
| Average total assets | $147,912,000 | 3,685 |
| Average earning assets | $135,575,500 | 3,694 |
| Average equity | $14,042,000 | 4,067 |
| Average total loans | $55,487,500 | 4,625 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3902% | 5,550 |
| Cost of funding earning assets | 0.3522% | 4,229 |
| Net interest margin | 3.0379% | 5,352 |
| Noninterest income to average assets | 0.3927% | 4,245 |
| Noninterest expense to average assets | 3.0255% | 2,767 |
| Loan and lease loss provision to assets | 0.0669% | 3,157 |
| Net operating income to assets | 0.0988% | 5,955 |
| Return on assets (ROA) | 0.2352% | 5,751 |
| Pretax return on assets | 0.2352% | 5,815 |
| Return on Equity (ROE) | 2.8686% | 5,521 |
| Retained earnings to average equity (ytd only) | 2.8686% | 4,194 |
| Net charge-offs to loans | 0.0726% | 3,447 |
| Credit loss provision to net charge-offs | 262.5000% | 975 |
| Earnings coverage of net charge-offs (x) | 6.5000% | 3,186 |
| Efficiency ratio | 94.8062% | 554 |
| Assets per employee ($millions) | 4.1716% | 3,593 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9734% | 5,185 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.6121% | 1,672 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 36.5122% | 5,929 |
| Net loans and leases to deposits | 40.4215% | 6,024 |
| Net loans and leases to core deposits | 43.3346% | 5,979 |
| Total domestic deposits to total assets | 90.3287% | 601 |
| Equity capital to assets | 9.1712% | 5,106 |
| Core capital (leverage) ratio | 8.8232% | 5,222 |
| Tier 1 risk-based capital ratio | 18.7586% | 1,920 |
| Total risk-based capital ratio | 19.4778% | 2,030 |
| Memoranda: | ||
| Average total assets | $156,865,000 | 3,535 |
| Average earning assets | $144,506,600 | 3,530 |
| Average equity | $12,863,600 | 4,216 |
| Average total loans | $55,126,000 | 4,645 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3773% | 5,629 |
| Cost of funding earning assets | 0.3530% | 4,314 |
| Net interest margin | 3.0244% | 5,451 |
| Noninterest income to average assets | 0.4558% | 3,849 |
| Noninterest expense to average assets | 3.0411% | 2,670 |
| Loan and lease loss provision to assets | 0.1430% | 1,756 |
| Net operating income to assets | 0.0606% | 6,070 |
| Return on assets (ROA) | 0.1253% | 6,022 |
| Pretax return on assets | 0.1253% | 6,036 |
| Return on Equity (ROE) | 1.5721% | 5,933 |
| Retained earnings to average equity (ytd only) | 1.5721% | 5,259 |
| Net charge-offs to loans | 0.0944% | 2,862 |
| Credit loss provision to net charge-offs | 435.8974% | 650 |
| Earnings coverage of net charge-offs (x) | 6.2050% | 3,124 |
| Efficiency ratio | 93.7273% | 611 |
| Assets per employee ($millions) | 4.7191% | 2,637 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1389% | 4,565 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.6567% | 1,829 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 33.7227% | 6,124 |
| Net loans and leases to deposits | 36.8265% | 6,219 |
| Net loans and leases to core deposits | 39.5321% | 6,190 |
| Total domestic deposits to total assets | 91.5719% | 217 |
| Equity capital to assets | 8.1982% | 6,016 |
| Core capital (leverage) ratio | 8.5390% | 5,612 |
| Tier 1 risk-based capital ratio | 18.4793% | 2,058 |
| Total risk-based capital ratio | 19.2883% | 2,153 |
| Memoranda: | ||
| Average total assets | $158,537,000 | 3,534 |
| Average earning assets | $146,186,500 | 3,534 |
| Average equity | $12,636,250 | 4,284 |
| Average total loans | $55,064,500 | 4,688 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3741% | 5,669 |
| Cost of funding earning assets | 0.3504% | 4,434 |
| Net interest margin | 3.0236% | 5,457 |
| Noninterest income to average assets | 0.4565% | 3,818 |
| Noninterest expense to average assets | 3.0513% | 2,659 |
| Loan and lease loss provision to assets | 0.1881% | 1,293 |
| Net operating income to assets | 0.0088% | 6,175 |
| Return on assets (ROA) | 0.1053% | 6,073 |
| Pretax return on assets | 0.1053% | 6,090 |
| Return on Equity (ROE) | 1.3341% | 5,981 |
| Retained earnings to average equity (ytd only) | 1.3341% | 5,208 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.9382% | 643 |
| Assets per employee ($millions) | 4.8448% | 2,411 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1238% | 4,798 |
| Loan loss allowance to noncurrent loans | 186.0119% | 2,284 |
| Noncurrent assets plus other real estate owned to assets | 1.8239% | 1,777 |
| Noncurrent loans to loans | 0.6042% | 4,213 |
| Net loans and leases to total assets | 34.3948% | 6,132 |
| Net loans and leases to deposits | 38.2654% | 6,216 |
| Net loans and leases to core deposits | 41.1343% | 6,186 |
| Total domestic deposits to total assets | 89.8849% | 864 |
| Equity capital to assets | 8.1599% | 6,059 |
| Core capital (leverage) ratio | 8.4386% | 5,703 |
| Tier 1 risk-based capital ratio | 17.6977% | 2,355 |
| Total risk-based capital ratio | 18.5001% | 2,478 |
| Memoranda: | ||
| Average total assets | $159,473,000 | 3,542 |
| Average earning assets | $147,240,000 | 3,531 |
| Average equity | $12,592,670 | 4,301 |
| Average total loans | $55,712,330 | 4,700 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3426% | 5,764 |
| Cost of funding earning assets | 0.3476% | 4,562 |
| Net interest margin | 2.9950% | 5,535 |
| Noninterest income to average assets | 0.4646% | 3,673 |
| Noninterest expense to average assets | 3.2197% | 2,159 |
| Loan and lease loss provision to assets | 0.2637% | 795 |
| Net operating income to assets | -0.2486% | 6,381 |
| Return on assets (ROA) | -0.0553% | 6,261 |
| Pretax return on assets | -0.0553% | 6,251 |
| Return on Equity (ROE) | -0.7116% | 6,273 |
| Retained earnings to average equity (ytd only) | -0.7116% | 5,679 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.5342% | 479 |
| Assets per employee ($millions) | 4.1007% | 3,720 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0839% | 5,188 |
| Loan loss allowance to noncurrent loans | 172.3214% | 2,363 |
| Noncurrent assets plus other real estate owned to assets | 1.8589% | 1,864 |
| Noncurrent loans to loans | 0.6290% | 4,291 |
| Net loans and leases to total assets | 33.0384% | 6,225 |
| Net loans and leases to deposits | 37.1808% | 6,278 |
| Net loans and leases to core deposits | 40.0409% | 6,234 |
| Total domestic deposits to total assets | 88.8588% | 1,747 |
| Equity capital to assets | 7.8935% | 6,127 |
| Core capital (leverage) ratio | 8.3679% | 5,783 |
| Tier 1 risk-based capital ratio | 17.3014% | 2,554 |
| Total risk-based capital ratio | 18.0364% | 2,743 |
| Memoranda: | ||
| Average total assets | $159,270,000 | 3,569 |
| Average earning assets | $147,312,500 | 3,559 |
| Average equity | $12,366,000 | 4,362 |
| Average total loans | $55,761,000 | 4,734 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2310% | 6,101 |
| Cost of funding earning assets | 0.3518% | 5,114 |
| Net interest margin | 2.8792% | 5,824 |
| Noninterest income to average assets | 0.6995% | 2,547 |
| Noninterest expense to average assets | 3.1989% | 2,425 |
| Loan and lease loss provision to assets | 0.4825% | 581 |
| Net operating income to assets | -0.1868% | 6,358 |
| Return on assets (ROA) | 0.0307% | 6,206 |
| Pretax return on assets | 0.0750% | 6,121 |
| Return on Equity (ROE) | 0.3832% | 6,187 |
| Retained earnings to average equity (ytd only) | 0.3832% | 5,674 |
| Net charge-offs to loans | 2.0951% | 169 |
| Credit loss provision to net charge-offs | 58.1481% | 3,618 |
| Earnings coverage of net charge-offs (x) | 0.2622% | 4,999 |
| Efficiency ratio | 93.6308% | 766 |
| Assets per employee ($millions) | 3.9653% | 3,932 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8158% | 6,138 |
| Loan loss allowance to noncurrent loans | 42.2837% | 5,561 |
| Noncurrent assets plus other real estate owned to assets | 2.3693% | 1,467 |
| Noncurrent loans to loans | 1.9293% | 2,078 |
| Net loans and leases to total assets | 36.3348% | 6,183 |
| Net loans and leases to deposits | 39.4225% | 6,322 |
| Net loans and leases to core deposits | 42.3577% | 6,294 |
| Total domestic deposits to total assets | 92.1676% | 253 |
| Equity capital to assets | 7.6338% | 6,220 |
| Core capital (leverage) ratio | 8.4417% | 5,732 |
| Tier 1 risk-based capital ratio | 18.1283% | 2,212 |
| Total risk-based capital ratio | 18.7601% | 2,387 |
| Memoranda: | ||
| Average total assets | $162,680,600 | 3,521 |
| Average earning assets | $153,513,400 | 3,446 |
| Average equity | $13,049,000 | 4,255 |
| Average total loans | $64,437,200 | 4,465 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2394% | 6,149 |
| Cost of funding earning assets | 0.3512% | 5,281 |
| Net interest margin | 2.8881% | 5,845 |
| Noninterest income to average assets | 0.8332% | 1,998 |
| Noninterest expense to average assets | 3.2987% | 2,087 |
| Loan and lease loss provision to assets | 0.4480% | 639 |
| Net operating income to assets | -0.1626% | 6,441 |
| Return on assets (ROA) | 0.0464% | 6,279 |
| Pretax return on assets | 0.1458% | 6,145 |
| Return on Equity (ROE) | 0.5721% | 6,259 |
| Retained earnings to average equity (ytd only) | 0.5721% | 5,741 |
| Net charge-offs to loans | 0.0182% | 4,767 |
| Credit loss provision to net charge-offs | 6,111.1111% | 48 |
| Earnings coverage of net charge-offs (x) | 36.4433% | 1,072 |
| Efficiency ratio | 92.5080% | 823 |
| Assets per employee ($millions) | 4.0184% | 3,797 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4620% | 974 |
| Loan loss allowance to noncurrent loans | 57.8755% | 4,902 |
| Noncurrent assets plus other real estate owned to assets | 2.2272% | 1,785 |
| Noncurrent loans to loans | 4.2540% | 804 |
| Net loans and leases to total assets | 38.9425% | 6,109 |
| Net loans and leases to deposits | 42.2511% | 6,291 |
| Net loans and leases to core deposits | 45.9170% | 6,213 |
| Total domestic deposits to total assets | 92.1692% | 225 |
| Equity capital to assets | 7.5757% | 6,368 |
| Core capital (leverage) ratio | 8.3981% | 5,859 |
| Tier 1 risk-based capital ratio | 17.4038% | 2,542 |
| Total risk-based capital ratio | 18.6628% | 2,508 |
| Memoranda: | ||
| Average total assets | $163,698,000 | 3,533 |
| Average earning assets | $154,882,000 | 3,456 |
| Average equity | $13,284,250 | 4,255 |
| Average total loans | $66,020,250 | 4,450 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2098% | 6,215 |
| Cost of funding earning assets | 0.3482% | 5,423 |
| Net interest margin | 2.8615% | 5,872 |
| Noninterest income to average assets | 0.8015% | 2,179 |
| Noninterest expense to average assets | 3.3361% | 1,979 |
| Loan and lease loss provision to assets | 0.6679% | 358 |
| Net operating income to assets | -0.6194% | 6,671 |
| Return on assets (ROA) | -0.1324% | 6,484 |
| Pretax return on assets | -0.0109% | 6,367 |
| Return on Equity (ROE) | -1.5967% | 6,500 |
| Retained earnings to average equity (ytd only) | -1.5967% | 6,139 |
| Net charge-offs to loans | -0.0030% | 5,565 |
| Credit loss provision to net charge-offs | -55,000.0000% | 6,310 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.1507% | 700 |
| Assets per employee ($millions) | 4.2749% | 3,216 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4704% | 1,015 |
| Loan loss allowance to noncurrent loans | 58.0928% | 4,883 |
| Noncurrent assets plus other real estate owned to assets | 2.1773% | 1,981 |
| Noncurrent loans to loans | 4.2526% | 868 |
| Net loans and leases to total assets | 37.6503% | 6,198 |
| Net loans and leases to deposits | 40.8336% | 6,374 |
| Net loans and leases to core deposits | 44.6419% | 6,302 |
| Total domestic deposits to total assets | 92.2043% | 219 |
| Equity capital to assets | 7.6265% | 6,400 |
| Core capital (leverage) ratio | 8.3786% | 5,789 |
| Tier 1 risk-based capital ratio | 17.1306% | 2,666 |
| Total risk-based capital ratio | 18.3898% | 2,635 |
| Memoranda: | ||
| Average total assets | $164,685,000 | 3,546 |
| Average earning assets | $155,650,670 | 3,467 |
| Average equity | $13,653,330 | 4,215 |
| Average total loans | $66,635,330 | 4,438 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3189% | 6,117 |
| Cost of funding earning assets | 0.3446% | 5,597 |
| Net interest margin | 2.9743% | 5,636 |
| Noninterest income to average assets | 0.8456% | 1,942 |
| Noninterest expense to average assets | 3.1992% | 2,358 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.2640% | 5,686 |
| Return on assets (ROA) | 0.2640% | 5,806 |
| Pretax return on assets | 0.4521% | 5,405 |
| Return on Equity (ROE) | 3.0589% | 5,567 |
| Retained earnings to average equity (ytd only) | 3.0589% | 4,445 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.6171% | 1,364 |
| Assets per employee ($millions) | 3.9520% | 4,063 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5738% | 3,509 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5440% | 5,031 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 39.1480% | 6,070 |
| Net loans and leases to deposits | 42.8899% | 6,279 |
| Net loans and leases to core deposits | 46.8155% | 6,161 |
| Total domestic deposits to total assets | 91.2756% | 419 |
| Equity capital to assets | 8.4623% | 6,052 |
| Core capital (leverage) ratio | 8.7472% | 5,261 |
| Tier 1 risk-based capital ratio | 16.9060% | 2,799 |
| Total risk-based capital ratio | 18.1558% | 2,774 |
| Memoranda: | ||
| Average total assets | $163,667,000 | 3,597 |
| Average earning assets | $154,389,500 | 3,526 |
| Average equity | $14,122,500 | 4,176 |
| Average total loans | $67,772,500 | 4,429 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5600% | 6,284 |
| Cost of funding earning assets | 0.4074% | 5,867 |
| Net interest margin | 3.1525% | 5,685 |
| Noninterest income to average assets | 0.8316% | 2,116 |
| Noninterest expense to average assets | 3.3521% | 2,185 |
| Loan and lease loss provision to assets | 0.2681% | 2,499 |
| Net operating income to assets | 0.1723% | 5,836 |
| Return on assets (ROA) | 0.6984% | 3,996 |
| Pretax return on assets | 0.7189% | 4,602 |
| Return on Equity (ROE) | 7.8370% | 3,164 |
| Retained earnings to average equity (ytd only) | -2.1773% | 6,185 |
| Net charge-offs to loans | 0.0760% | 4,921 |
| Credit loss provision to net charge-offs | 809.0909% | 308 |
| Earnings coverage of net charge-offs (x) | 13.4182% | 1,826 |
| Efficiency ratio | 88.2876% | 1,218 |
| Assets per employee ($millions) | 4.0338% | 3,881 |
| Cash dividends to net income (ytd only)* | 127.7826% | 294 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4944% | 3,765 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5596% | 5,084 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 42.4466% | 5,953 |
| Net loans and leases to deposits | 46.6654% | 6,203 |
| Net loans and leases to core deposits | 50.6617% | 6,112 |
| Total domestic deposits to total assets | 90.9595% | 509 |
| Equity capital to assets | 8.8001% | 5,747 |
| Core capital (leverage) ratio | 8.3745% | 5,792 |
| Tier 1 risk-based capital ratio | 16.4838% | 2,902 |
| Total risk-based capital ratio | 17.7255% | 2,874 |
| Memoranda: | ||
| Average total assets | $165,955,000 | 3,523 |
| Average earning assets | $156,096,400 | 3,445 |
| Average equity | $14,788,800 | 4,010 |
| Average total loans | $72,378,200 | 4,261 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5492% | 6,449 |
| Cost of funding earning assets | 0.4183% | 6,002 |
| Net interest margin | 3.1309% | 5,869 |
| Noninterest income to average assets | 0.7907% | 2,275 |
| Noninterest expense to average assets | 3.3830% | 2,048 |
| Loan and lease loss provision to assets | 0.2753% | 2,376 |
| Net operating income to assets | 0.0717% | 6,174 |
| Return on assets (ROA) | 0.5569% | 4,847 |
| Pretax return on assets | 0.5769% | 5,241 |
| Return on Equity (ROE) | 6.2307% | 4,212 |
| Retained earnings to average equity (ytd only) | 6.2307% | 2,539 |
| Net charge-offs to loans | 0.1003% | 4,382 |
| Credit loss provision to net charge-offs | 627.2727% | 428 |
| Earnings coverage of net charge-offs (x) | 8.0184% | 2,514 |
| Efficiency ratio | 90.5789% | 997 |
| Assets per employee ($millions) | 4.2188% | 3,429 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3459% | 4,602 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6169% | 5,131 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 41.8320% | 6,143 |
| Net loans and leases to deposits | 46.2081% | 6,370 |
| Net loans and leases to core deposits | 50.9833% | 6,242 |
| Total domestic deposits to total assets | 90.5295% | 589 |
| Equity capital to assets | 9.2256% | 5,566 |
| Core capital (leverage) ratio | 8.8001% | 5,349 |
| Tier 1 risk-based capital ratio | 17.1298% | 2,682 |
| Total risk-based capital ratio | 18.2157% | 2,710 |
| Memoranda: | ||
| Average total assets | $167,106,000 | 3,535 |
| Average earning assets | $157,141,250 | 3,462 |
| Average equity | $14,936,250 | 4,022 |
| Average total loans | $73,091,000 | 4,291 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5736% | 6,515 |
| Cost of funding earning assets | 0.4318% | 6,085 |
| Net interest margin | 3.1418% | 5,883 |
| Noninterest income to average assets | 0.7180% | 2,565 |
| Noninterest expense to average assets | 3.4043% | 2,024 |
| Loan and lease loss provision to assets | 0.1369% | 3,806 |
| Net operating income to assets | 0.1281% | 6,096 |
| Return on assets (ROA) | 0.8597% | 3,357 |
| Pretax return on assets | 0.8776% | 4,166 |
| Return on Equity (ROE) | 9.7204% | 2,474 |
| Retained earnings to average equity (ytd only) | 9.7204% | 1,049 |
| Net charge-offs to loans | 0.1482% | 3,726 |
| Credit loss provision to net charge-offs | 209.0909% | 1,351 |
| Earnings coverage of net charge-offs (x) | 4.0909% | 3,177 |
| Efficiency ratio | 92.7043% | 882 |
| Assets per employee ($millions) | 4.3743% | 3,128 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9986% | 6,168 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5675% | 5,339 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 40.1707% | 6,324 |
| Net loans and leases to deposits | 44.0544% | 6,554 |
| Net loans and leases to core deposits | 48.8213% | 6,414 |
| Total domestic deposits to total assets | 91.1843% | 391 |
| Equity capital to assets | 8.6363% | 6,091 |
| Core capital (leverage) ratio | 9.1005% | 4,764 |
| Tier 1 risk-based capital ratio | 17.5990% | 2,440 |
| Total risk-based capital ratio | 18.4400% | 2,551 |
| Memoranda: | ||
| Average total assets | $167,964,000 | 3,533 |
| Average earning assets | $157,936,670 | 3,466 |
| Average equity | $14,855,330 | 4,018 |
| Average total loans | $74,199,330 | 4,273 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6834% | 6,462 |
| Cost of funding earning assets | 0.4620% | 6,066 |
| Net interest margin | 3.2214% | 5,729 |
| Noninterest income to average assets | 0.8342% | 2,017 |
| Noninterest expense to average assets | 3.5753% | 1,613 |
| Loan and lease loss provision to assets | 0.1581% | 3,402 |
| Net operating income to assets | 0.1318% | 6,172 |
| Return on assets (ROA) | 1.1431% | 2,089 |
| Pretax return on assets | 1.1577% | 3,079 |
| Return on Equity (ROE) | 12.7652% | 1,472 |
| Retained earnings to average equity (ytd only) | 12.7652% | 719 |
| Net charge-offs to loans | -0.0211% | 6,202 |
| Credit loss provision to net charge-offs | -1,625.0000% | 6,020 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.3947% | 920 |
| Assets per employee ($millions) | 3.8482% | 4,325 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9394% | 6,442 |
| Loan loss allowance to noncurrent loans | 1,709.5238% | 256 |
| Noncurrent assets plus other real estate owned to assets | 0.6713% | 5,222 |
| Noncurrent loans to loans | 0.0549% | 6,617 |
| Net loans and leases to total assets | 46.8470% | 5,693 |
| Net loans and leases to deposits | 51.6677% | 6,006 |
| Net loans and leases to core deposits | 58.8244% | 5,645 |
| Total domestic deposits to total assets | 90.6698% | 707 |
| Equity capital to assets | 9.0245% | 5,451 |
| Core capital (leverage) ratio | 9.0015% | 4,842 |
| Tier 1 risk-based capital ratio | 16.1944% | 3,076 |
| Total risk-based capital ratio | 16.9916% | 3,285 |
| Memoranda: | ||
| Average total assets | $164,460,500 | 3,609 |
| Average earning assets | $154,964,000 | 3,534 |
| Average equity | $14,727,500 | 4,050 |
| Average total loans | $75,801,000 | 4,247 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9614% | 6,524 |
| Cost of funding earning assets | 0.6480% | 5,838 |
| Net interest margin | 3.3134% | 5,767 |
| Noninterest income to average assets | 0.5161% | 3,744 |
| Noninterest expense to average assets | 3.3956% | 2,255 |
| Loan and lease loss provision to assets | 0.0559% | 5,898 |
| Net operating income to assets | 0.1415% | 5,762 |
| Return on assets (ROA) | 0.3726% | 5,152 |
| Pretax return on assets | 0.3830% | 5,344 |
| Return on Equity (ROE) | 4.3264% | 4,712 |
| Retained earnings to average equity (ytd only) | 4.3264% | 3,103 |
| Net charge-offs to loans | 0.7798% | 2,207 |
| Credit loss provision to net charge-offs | 14.5340% | 5,971 |
| Earnings coverage of net charge-offs (x) | 0.5213% | 5,435 |
| Efficiency ratio | 94.4219% | 896 |
| Assets per employee ($millions) | 3.8906% | 4,101 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8634% | 6,615 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6234% | 5,405 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 44.5429% | 6,155 |
| Net loans and leases to deposits | 49.0369% | 6,431 |
| Net loans and leases to core deposits | 55.5176% | 6,187 |
| Total domestic deposits to total assets | 90.8354% | 569 |
| Equity capital to assets | 8.8879% | 5,687 |
| Core capital (leverage) ratio | 8.7192% | 5,220 |
| Tier 1 risk-based capital ratio | 16.4570% | 2,843 |
| Total risk-based capital ratio | 17.2137% | 3,029 |
| Memoranda: | ||
| Average total assets | $164,507,000 | 3,573 |
| Average earning assets | $152,924,800 | 3,534 |
| Average equity | $14,168,800 | 4,078 |
| Average total loans | $81,170,000 | 4,111 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0566% | 6,492 |
| Cost of funding earning assets | 0.6938% | 5,807 |
| Net interest margin | 3.3628% | 5,677 |
| Noninterest income to average assets | 0.4412% | 4,357 |
| Noninterest expense to average assets | 3.4006% | 2,185 |
| Loan and lease loss provision to assets | 0.0749% | 5,515 |
| Net operating income to assets | 0.0727% | 6,021 |
| Return on assets (ROA) | 0.3223% | 5,485 |
| Pretax return on assets | 0.3524% | 5,595 |
| Return on Equity (ROE) | 3.7730% | 5,092 |
| Retained earnings to average equity (ytd only) | 3.7730% | 4,054 |
| Net charge-offs to loans | 1.0031% | 1,607 |
| Credit loss provision to net charge-offs | 14.7910% | 5,625 |
| Earnings coverage of net charge-offs (x) | 0.3023% | 5,378 |
| Efficiency ratio | 95.6940% | 837 |
| Assets per employee ($millions) | 3.9058% | 4,056 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8543% | 6,713 |
| Loan loss allowance to noncurrent loans | 178.3784% | 1,719 |
| Noncurrent assets plus other real estate owned to assets | 0.8413% | 5,074 |
| Noncurrent loans to loans | 0.4790% | 5,891 |
| Net loans and leases to total assets | 45.6043% | 6,180 |
| Net loans and leases to deposits | 50.1605% | 6,491 |
| Net loans and leases to core deposits | 58.5951% | 6,082 |
| Total domestic deposits to total assets | 90.9169% | 459 |
| Equity capital to assets | 8.8330% | 5,943 |
| Core capital (leverage) ratio | 8.4332% | 5,801 |
| Tier 1 risk-based capital ratio | 15.7974% | 3,222 |
| Total risk-based capital ratio | 16.5477% | 3,463 |
| Memoranda: | ||
| Average total assets | $163,810,000 | 3,611 |
| Average earning assets | $151,616,500 | 3,575 |
| Average equity | $13,993,750 | 4,125 |
| Average total loans | $82,670,750 | 4,100 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0967% | 6,499 |
| Cost of funding earning assets | 0.7223% | 5,823 |
| Net interest margin | 3.3745% | 5,627 |
| Noninterest income to average assets | 0.5368% | 3,583 |
| Noninterest expense to average assets | 3.4378% | 2,159 |
| Loan and lease loss provision to assets | 0.0677% | 5,459 |
| Net operating income to assets | 0.1742% | 5,818 |
| Return on assets (ROA) | 0.3509% | 5,306 |
| Pretax return on assets | 0.3817% | 5,450 |
| Return on Equity (ROE) | 4.1565% | 4,852 |
| Retained earnings to average equity (ytd only) | 4.1565% | 3,550 |
| Net charge-offs to loans | -0.1941% | 7,283 |
| Credit loss provision to net charge-offs | -67.0732% | 6,275 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.0357% | 1,039 |
| Assets per employee ($millions) | 3.6839% | 4,493 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6114% | 3,647 |
| Loan loss allowance to noncurrent loans | 150.2831% | 1,972 |
| Noncurrent assets plus other real estate owned to assets | 1.3276% | 4,244 |
| Noncurrent loans to loans | 1.0723% | 4,873 |
| Net loans and leases to total assets | 49.9855% | 5,824 |
| Net loans and leases to deposits | 54.8580% | 6,240 |
| Net loans and leases to core deposits | 65.7054% | 5,543 |
| Total domestic deposits to total assets | 91.1180% | 461 |
| Equity capital to assets | 8.7038% | 5,941 |
| Core capital (leverage) ratio | 8.6440% | 5,320 |
| Tier 1 risk-based capital ratio | 15.4619% | 3,272 |
| Total risk-based capital ratio | 16.7147% | 3,209 |
| Memoranda: | ||
| Average total assets | $162,430,330 | 3,643 |
| Average earning assets | $152,023,000 | 3,595 |
| Average equity | $13,713,330 | 4,176 |
| Average total loans | $84,477,000 | 4,082 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1279% | 6,445 |
| Cost of funding earning assets | 0.7369% | 5,939 |
| Net interest margin | 3.3909% | 5,462 |
| Noninterest income to average assets | 0.5486% | 3,524 |
| Noninterest expense to average assets | 3.4121% | 2,246 |
| Loan and lease loss provision to assets | 0.0615% | 5,226 |
| Net operating income to assets | 0.2437% | 5,639 |
| Return on assets (ROA) | 0.4256% | 4,916 |
| Pretax return on assets | 0.4453% | 5,205 |
| Return on Equity (ROE) | 5.1199% | 4,330 |
| Retained earnings to average equity (ytd only) | 5.1199% | 3,105 |
| Net charge-offs to loans | -0.3788% | 7,377 |
| Credit loss provision to net charge-offs | -30.8642% | 5,621 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.4908% | 1,201 |
| Assets per employee ($millions) | 3.5477% | 4,881 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5079% | 4,171 |
| Loan loss allowance to noncurrent loans | 192.0000% | 1,544 |
| Noncurrent assets plus other real estate owned to assets | 1.4933% | 4,016 |
| Noncurrent loans to loans | 0.7854% | 5,465 |
| Net loans and leases to total assets | 53.0242% | 5,443 |
| Net loans and leases to deposits | 58.0257% | 5,921 |
| Net loans and leases to core deposits | 72.1320% | 4,771 |
| Total domestic deposits to total assets | 91.3804% | 454 |
| Equity capital to assets | 8.4649% | 5,959 |
| Core capital (leverage) ratio | 8.7228% | 5,048 |
| Tier 1 risk-based capital ratio | 14.7947% | 3,548 |
| Total risk-based capital ratio | 16.0465% | 3,514 |
| Memoranda: | ||
| Average total assets | $162,600,000 | 3,660 |
| Average earning assets | $152,524,500 | 3,599 |
| Average equity | $13,516,000 | 4,215 |
| Average total loans | $85,541,000 | 4,089 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2491% | 6,858 |
| Cost of funding earning assets | 0.8414% | 6,394 |
| Net interest margin | 3.4077% | 5,597 |
| Noninterest income to average assets | 0.6628% | 3,066 |
| Noninterest expense to average assets | 3.2924% | 2,763 |
| Loan and lease loss provision to assets | 0.3866% | 3,794 |
| Net operating income to assets | 0.1528% | 5,431 |
| Return on assets (ROA) | 0.3363% | 4,961 |
| Pretax return on assets | 0.3670% | 5,038 |
| Return on Equity (ROE) | 4.0896% | 4,483 |
| Retained earnings to average equity (ytd only) | 4.0896% | 2,997 |
| Net charge-offs to loans | 0.3826% | 4,130 |
| Credit loss provision to net charge-offs | 181.0345% | 1,827 |
| Earnings coverage of net charge-offs (x) | 2.5948% | 3,802 |
| Efficiency ratio | 85.5935% | 1,735 |
| Assets per employee ($millions) | 3.4490% | 5,058 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3978% | 4,517 |
| Loan loss allowance to noncurrent loans | 324.2507% | 952 |
| Noncurrent assets plus other real estate owned to assets | 1.2721% | 4,490 |
| Noncurrent loans to loans | 0.4311% | 6,183 |
| Net loans and leases to total assets | 50.7055% | 6,081 |
| Net loans and leases to deposits | 55.4459% | 6,486 |
| Net loans and leases to core deposits | 67.5524% | 5,707 |
| Total domestic deposits to total assets | 91.4504% | 415 |
| Equity capital to assets | 8.1654% | 6,305 |
| Core capital (leverage) ratio | 8.6510% | 5,100 |
| Tier 1 risk-based capital ratio | 14.4708% | 3,566 |
| Total risk-based capital ratio | 15.7217% | 3,518 |
| Memoranda: | ||
| Average total assets | $162,951,200 | 3,648 |
| Average earning assets | $152,245,200 | 3,599 |
| Average equity | $13,400,000 | 4,283 |
| Average total loans | $90,962,800 | 4,028 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3025% | 6,962 |
| Cost of funding earning assets | 0.8843% | 6,454 |
| Net interest margin | 3.4182% | 5,608 |
| Noninterest income to average assets | 0.6917% | 2,865 |
| Noninterest expense to average assets | 3.2252% | 2,835 |
| Loan and lease loss provision to assets | 0.4436% | 3,253 |
| Net operating income to assets | 0.1934% | 5,527 |
| Return on assets (ROA) | 0.3713% | 5,065 |
| Pretax return on assets | 0.4066% | 5,199 |
| Return on Equity (ROE) | 4.5073% | 4,553 |
| Retained earnings to average equity (ytd only) | 4.5073% | 3,342 |
| Net charge-offs to loans | 0.4083% | 3,662 |
| Credit loss provision to net charge-offs | 190.8127% | 1,884 |
| Earnings coverage of net charge-offs (x) | 2.8163% | 3,728 |
| Efficiency ratio | 83.1251% | 1,937 |
| Assets per employee ($millions) | 3.1790% | 5,726 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3563% | 4,691 |
| Loan loss allowance to noncurrent loans | 351.9637% | 845 |
| Noncurrent assets plus other real estate owned to assets | 1.3788% | 4,409 |
| Noncurrent loans to loans | 0.3853% | 6,424 |
| Net loans and leases to total assets | 55.5285% | 5,619 |
| Net loans and leases to deposits | 61.2757% | 6,188 |
| Net loans and leases to core deposits | 76.0870% | 5,043 |
| Total domestic deposits to total assets | 90.6207% | 585 |
| Equity capital to assets | 9.0509% | 5,506 |
| Core capital (leverage) ratio | 8.6811% | 5,218 |
| Tier 1 risk-based capital ratio | 13.9862% | 3,849 |
| Total risk-based capital ratio | 15.2019% | 3,834 |
| Memoranda: | ||
| Average total assets | $162,301,000 | 3,710 |
| Average earning assets | $151,382,000 | 3,663 |
| Average equity | $13,370,500 | 4,355 |
| Average total loans | $92,420,000 | 4,067 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3116% | 7,033 |
| Cost of funding earning assets | 0.8962% | 6,596 |
| Net interest margin | 3.4153% | 5,576 |
| Noninterest income to average assets | 0.6464% | 3,028 |
| Noninterest expense to average assets | 3.1280% | 3,195 |
| Loan and lease loss provision to assets | 0.4349% | 3,139 |
| Net operating income to assets | 0.2473% | 5,387 |
| Return on assets (ROA) | 0.3685% | 5,061 |
| Pretax return on assets | 0.4011% | 5,220 |
| Return on Equity (ROE) | 4.6129% | 4,484 |
| Retained earnings to average equity (ytd only) | 4.6129% | 3,137 |
| Net charge-offs to loans | 0.5709% | 2,828 |
| Credit loss provision to net charge-offs | 133.3333% | 3,012 |
| Earnings coverage of net charge-offs (x) | 2.1593% | 3,939 |
| Efficiency ratio | 81.6204% | 2,218 |
| Assets per employee ($millions) | 3.6685% | 4,554 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1400% | 5,743 |
| Loan loss allowance to noncurrent loans | 160.7085% | 1,740 |
| Noncurrent assets plus other real estate owned to assets | 1.4832% | 4,238 |
| Noncurrent loans to loans | 0.7094% | 5,830 |
| Net loans and leases to total assets | 53.6159% | 6,033 |
| Net loans and leases to deposits | 58.8148% | 6,511 |
| Net loans and leases to core deposits | 72.5356% | 5,617 |
| Total domestic deposits to total assets | 91.1606% | 428 |
| Equity capital to assets | 8.4659% | 6,208 |
| Core capital (leverage) ratio | 8.3600% | 5,649 |
| Tier 1 risk-based capital ratio | 13.4847% | 4,078 |
| Total risk-based capital ratio | 14.4999% | 4,206 |
| Memoranda: | ||
| Average total assets | $165,537,330 | 3,680 |
| Average earning assets | $154,422,000 | 3,631 |
| Average equity | $13,223,670 | 4,388 |
| Average total loans | $94,594,330 | 4,048 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3110% | 7,117 |
| Cost of funding earning assets | 0.9287% | 6,662 |
| Net interest margin | 3.3823% | 5,654 |
| Noninterest income to average assets | 0.6444% | 2,966 |
| Noninterest expense to average assets | 3.1289% | 3,148 |
| Loan and lease loss provision to assets | 0.4296% | 2,806 |
| Net operating income to assets | 0.1766% | 5,766 |
| Return on assets (ROA) | 0.1766% | 5,893 |
| Pretax return on assets | 0.2411% | 5,765 |
| Return on Equity (ROE) | 2.2764% | 5,643 |
| Retained earnings to average equity (ytd only) | 2.2764% | 4,772 |
| Net charge-offs to loans | 1.1048% | 1,522 |
| Credit loss provision to net charge-offs | 66.4207% | 4,173 |
| Earnings coverage of net charge-offs (x) | 1.0369% | 4,149 |
| Efficiency ratio | 82.3492% | 2,233 |
| Assets per employee ($millions) | 3.7831% | 4,349 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8418% | 7,024 |
| Loan loss allowance to noncurrent loans | 307.1429% | 979 |
| Noncurrent assets plus other real estate owned to assets | 1.2534% | 4,671 |
| Noncurrent loans to loans | 0.2741% | 6,773 |
| Net loans and leases to total assets | 59.1604% | 5,264 |
| Net loans and leases to deposits | 64.6548% | 5,982 |
| Net loans and leases to core deposits | 79.7808% | 4,787 |
| Total domestic deposits to total assets | 91.5020% | 370 |
| Equity capital to assets | 8.0831% | 6,564 |
| Core capital (leverage) ratio | 8.4264% | 5,508 |
| Tier 1 risk-based capital ratio | 12.1840% | 5,009 |
| Total risk-based capital ratio | 12.9483% | 5,448 |
| Memoranda: | ||
| Average total assets | $167,599,500 | 3,703 |
| Average earning assets | $156,345,500 | 3,642 |
| Average equity | $13,003,000 | 4,473 |
| Average total loans | $98,121,000 | 4,010 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0160% | 6,380 |
| Cost of funding earning assets | 1.6813% | 4,608 |
| Net interest margin | 3.3347% | 5,607 |
| Noninterest income to average assets | 0.7936% | 2,434 |
| Noninterest expense to average assets | 3.1707% | 3,474 |
| Loan and lease loss provision to assets | 0.5851% | 3,452 |
| Net operating income to assets | 0.1574% | 5,032 |
| Return on assets (ROA) | 0.4257% | 4,134 |
| Pretax return on assets | 0.4351% | 4,390 |
| Return on Equity (ROE) | 5.3318% | 3,515 |
| Retained earnings to average equity (ytd only) | 5.3318% | 1,660 |
| Net charge-offs to loans | 0.9054% | 2,577 |
| Credit loss provision to net charge-offs | 98.1211% | 5,679 |
| Earnings coverage of net charge-offs (x) | 1.2516% | 4,874 |
| Efficiency ratio | 80.9471% | 2,759 |
| Assets per employee ($millions) | 4.0122% | 3,796 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9154% | 6,746 |
| Loan loss allowance to noncurrent loans | 168.7732% | 1,734 |
| Noncurrent assets plus other real estate owned to assets | 1.3076% | 4,470 |
| Noncurrent loans to loans | 0.5424% | 6,160 |
| Net loans and leases to total assets | 56.9647% | 5,824 |
| Net loans and leases to deposits | 63.0964% | 6,353 |
| Net loans and leases to core deposits | 83.2675% | 5,793 |
| Total domestic deposits to total assets | 90.2820% | 846 |
| Equity capital to assets | 7.4522% | 7,073 |
| Core capital (leverage) ratio | 8.0127% | 6,169 |
| Tier 1 risk-based capital ratio | 11.5480% | 5,348 |
| Total risk-based capital ratio | 12.3577% | 5,772 |
| Memoranda: | ||
| Average total assets | $160,660,200 | 3,760 |
| Average earning assets | $150,478,400 | 3,704 |
| Average equity | $12,828,800 | 4,554 |
| Average total loans | $105,807,000 | 3,784 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2124% | 5,829 |
| Cost of funding earning assets | 1.8839% | 3,963 |
| Net interest margin | 3.3285% | 5,535 |
| Noninterest income to average assets | 0.8793% | 2,063 |
| Noninterest expense to average assets | 3.2019% | 3,288 |
| Loan and lease loss provision to assets | 0.3171% | 4,444 |
| Net operating income to assets | 0.4717% | 4,113 |
| Return on assets (ROA) | 0.6324% | 3,554 |
| Pretax return on assets | 0.6434% | 4,044 |
| Return on Equity (ROE) | 7.7783% | 2,737 |
| Retained earnings to average equity (ytd only) | 7.7783% | 1,208 |
| Net charge-offs to loans | 0.3226% | 4,023 |
| Credit loss provision to net charge-offs | 144.2308% | 3,382 |
| Earnings coverage of net charge-offs (x) | 3.6231% | 3,450 |
| Efficiency ratio | 80.0804% | 2,827 |
| Assets per employee ($millions) | 3.7183% | 4,380 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0065% | 6,249 |
| Loan loss allowance to noncurrent loans | 49.0344% | 5,039 |
| Noncurrent assets plus other real estate owned to assets | 2.0274% | 3,307 |
| Noncurrent loans to loans | 2.0526% | 3,562 |
| Net loans and leases to total assets | 62.5817% | 5,144 |
| Net loans and leases to deposits | 69.9711% | 5,921 |
| Net loans and leases to core deposits | 98.9552% | 4,489 |
| Total domestic deposits to total assets | 89.4393% | 997 |
| Equity capital to assets | 8.0981% | 6,745 |
| Core capital (leverage) ratio | 7.7015% | 6,732 |
| Tier 1 risk-based capital ratio | 11.5868% | 5,356 |
| Total risk-based capital ratio | 12.5137% | 5,621 |
| Memoranda: | ||
| Average total assets | $157,693,750 | 3,837 |
| Average earning assets | $147,771,500 | 3,763 |
| Average equity | $12,821,750 | 4,581 |
| Average total loans | $107,462,000 | 3,788 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4404% | 4,937 |
| Cost of funding earning assets | 2.0002% | 3,777 |
| Net interest margin | 3.4402% | 5,024 |
| Noninterest income to average assets | 0.9042% | 1,968 |
| Noninterest expense to average assets | 3.1967% | 3,344 |
| Loan and lease loss provision to assets | 0.3211% | 4,018 |
| Net operating income to assets | 0.5971% | 3,689 |
| Return on assets (ROA) | 0.8412% | 2,792 |
| Pretax return on assets | 0.8541% | 3,492 |
| Return on Equity (ROE) | 10.3318% | 1,907 |
| Retained earnings to average equity (ytd only) | 10.3318% | 662 |
| Net charge-offs to loans | 0.0754% | 5,454 |
| Credit loss provision to net charge-offs | 609.7561% | 757 |
| Earnings coverage of net charge-offs (x) | 17.5854% | 1,471 |
| Efficiency ratio | 77.5389% | 3,412 |
| Assets per employee ($millions) | 4.2275% | 3,240 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0730% | 5,763 |
| Loan loss allowance to noncurrent loans | 45.3275% | 5,340 |
| Noncurrent assets plus other real estate owned to assets | 2.0929% | 3,069 |
| Noncurrent loans to loans | 2.3672% | 3,058 |
| Net loans and leases to total assets | 61.8821% | 5,379 |
| Net loans and leases to deposits | 69.9839% | 5,988 |
| Net loans and leases to core deposits | 96.5448% | 4,839 |
| Total domestic deposits to total assets | 88.4233% | 1,561 |
| Equity capital to assets | 7.6730% | 7,108 |
| Core capital (leverage) ratio | 7.9636% | 6,397 |
| Tier 1 risk-based capital ratio | 11.2452% | 5,650 |
| Total risk-based capital ratio | 12.2331% | 5,826 |
| Memoranda: | ||
| Average total assets | $155,722,670 | 3,910 |
| Average earning assets | $145,689,000 | 3,829 |
| Average equity | $12,679,330 | 4,635 |
| Average total loans | $108,806,330 | 3,793 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2168% | 6,227 |
| Cost of funding earning assets | 2.2403% | 2,960 |
| Net interest margin | 2.9765% | 6,541 |
| Noninterest income to average assets | 0.9045% | 1,830 |
| Noninterest expense to average assets | 3.1912% | 3,030 |
| Loan and lease loss provision to assets | 0.2684% | 3,814 |
| Net operating income to assets | 0.2168% | 5,609 |
| Return on assets (ROA) | 0.7166% | 3,672 |
| Pretax return on assets | 0.7435% | 4,277 |
| Return on Equity (ROE) | 8.5225% | 2,918 |
| Retained earnings to average equity (ytd only) | 8.5225% | 1,622 |
| Net charge-offs to loans | 0.1378% | 3,858 |
| Credit loss provision to net charge-offs | 263.1579% | 1,793 |
| Earnings coverage of net charge-offs (x) | 4.8158% | 2,810 |
| Efficiency ratio | 86.6618% | 2,002 |
| Assets per employee ($millions) | 3.5075% | 4,805 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9100% | 6,700 |
| Loan loss allowance to noncurrent loans | 25.4246% | 6,871 |
| Noncurrent assets plus other real estate owned to assets | 3.2627% | 1,689 |
| Noncurrent loans to loans | 3.5791% | 1,763 |
| Net loans and leases to total assets | 71.3321% | 3,393 |
| Net loans and leases to deposits | 81.6394% | 4,342 |
| Net loans and leases to core deposits | 116.8384% | 2,700 |
| Total domestic deposits to total assets | 87.3747% | 2,027 |
| Equity capital to assets | 8.3389% | 6,333 |
| Core capital (leverage) ratio | 8.6947% | 5,158 |
| Tier 1 risk-based capital ratio | 11.0709% | 5,833 |
| Total risk-based capital ratio | 11.9436% | 6,104 |
| Memoranda: | ||
| Average total assets | $149,034,500 | 4,029 |
| Average earning assets | $139,090,000 | 3,974 |
| Average equity | $12,531,500 | 4,699 |
| Average total loans | $110,321,000 | 3,783 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3319% | 3,773 |
| Cost of funding earning assets | 2.8045% | 2,690 |
| Net interest margin | 3.5274% | 5,199 |
| Noninterest income to average assets | 0.7593% | 2,727 |
| Noninterest expense to average assets | 3.5076% | 2,377 |
| Loan and lease loss provision to assets | 0.1027% | 6,066 |
| Net operating income to assets | 0.4229% | 5,062 |
| Return on assets (ROA) | 0.4639% | 4,710 |
| Pretax return on assets | 0.4597% | 5,096 |
| Return on Equity (ROE) | 5.4917% | 4,165 |
| Retained earnings to average equity (ytd only) | 5.4917% | 1,771 |
| Net charge-offs to loans | 0.0278% | 6,435 |
| Credit loss provision to net charge-offs | 483.3333% | 911 |
| Earnings coverage of net charge-offs (x) | 24.5333% | 1,372 |
| Efficiency ratio | 87.0605% | 1,761 |
| Assets per employee ($millions) | 3.4243% | 4,869 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8263% | 7,001 |
| Loan loss allowance to noncurrent loans | 30.4806% | 6,686 |
| Noncurrent assets plus other real estate owned to assets | 2.7661% | 1,706 |
| Noncurrent loans to loans | 2.7109% | 1,999 |
| Net loans and leases to total assets | 75.4810% | 2,768 |
| Net loans and leases to deposits | 88.6151% | 3,703 |
| Net loans and leases to core deposits | 129.1178% | 1,920 |
| Total domestic deposits to total assets | 85.1784% | 2,765 |
| Equity capital to assets | 8.4797% | 6,119 |
| Core capital (leverage) ratio | 8.7084% | 5,180 |
| Tier 1 risk-based capital ratio | 10.5595% | 6,144 |
| Total risk-based capital ratio | 11.3568% | 6,488 |
| Memoranda: | ||
| Average total assets | $141,180,600 | 4,058 |
| Average earning assets | $130,861,200 | 4,028 |
| Average equity | $11,927,000 | 4,847 |
| Average total loans | $107,943,800 | 3,737 |
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