Home > Community Bank of Elmhurst > Performance and Condition Ratios
Community Bank of Elmhurst, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4680% | 3,144 |
| Cost of funding earning assets | 0.9176% | 3,481 |
| Net interest margin | 3.5503% | 2,067 |
| Noninterest income to average assets | 0.1600% | 3,995 |
| Noninterest expense to average assets | 2.7192% | 1,691 |
| Loan and lease loss provision to assets | 0.1000% | 1,286 |
| Net operating income to assets | 0.7053% | 3,183 |
| Return on assets (ROA) | 0.7053% | 3,156 |
| Pretax return on assets | 0.7053% | 3,425 |
| Return on Equity (ROE) | 23.4300% | 379 |
| Retained earnings to average equity (ytd only) | 12.6110% | 560 |
| Net charge-offs to loans | -0.0472% | 4,355 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 77.2327% | 1,139 |
| Assets per employee ($millions) | 5.9365% | 2,873 |
| Cash dividends to net income (ytd only)* | 46.1713% | 1,803 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8260% | 519 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 57.5400% | 3,075 |
| Net loans and leases to deposits | 64.2328% | 3,282 |
| Net loans and leases to core deposits | 71.3439% | 3,226 |
| Total domestic deposits to total assets | 89.5800% | 884 |
| Equity capital to assets | 4.0557% | 4,495 |
| Core capital (leverage) ratio | 10.1583% | 2,641 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1715% | 884 |
| Memoranda: | ||
| Average total assets | $187,000,600 | 3,075 |
| Average earning assets | $177,193,800 | 3,035 |
| Average equity | $5,630,000 | 4,195 |
| Average total loans | $108,027,800 | 3,087 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3776% | 3,147 |
| Cost of funding earning assets | 0.8284% | 3,456 |
| Net interest margin | 3.5491% | 2,107 |
| Noninterest income to average assets | 0.1500% | 4,067 |
| Noninterest expense to average assets | 2.6676% | 1,745 |
| Loan and lease loss provision to assets | 0.1000% | 1,184 |
| Net operating income to assets | 0.7441% | 3,189 |
| Return on assets (ROA) | 0.7441% | 3,183 |
| Pretax return on assets | 0.7441% | 3,461 |
| Return on Equity (ROE) | 26.9100% | 311 |
| Retained earnings to average equity (ytd only) | 14.0931% | 664 |
| Net charge-offs to loans | -0.0612% | 4,413 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 76.0699% | 1,162 |
| Assets per employee ($millions) | 6.1285% | 2,636 |
| Cash dividends to net income (ytd only)* | 47.6326% | 1,350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7416% | 648 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 57.0200% | 3,116 |
| Net loans and leases to deposits | 60.4272% | 3,484 |
| Net loans and leases to core deposits | 67.9105% | 3,332 |
| Total domestic deposits to total assets | 94.3500% | 159 |
| Equity capital to assets | 1.8982% | 4,548 |
| Core capital (leverage) ratio | 9.5908% | 3,208 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0630% | 1,085 |
| Memoranda: | ||
| Average total assets | $189,227,250 | 3,065 |
| Average earning assets | $178,968,000 | 3,025 |
| Average equity | $5,231,750 | 4,251 |
| Average total loans | $108,939,000 | 3,073 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2582% | 3,183 |
| Cost of funding earning assets | 0.6833% | 3,533 |
| Net interest margin | 3.5749% | 2,089 |
| Noninterest income to average assets | 0.1400% | 4,111 |
| Noninterest expense to average assets | 2.6175% | 1,877 |
| Loan and lease loss provision to assets | 0.0900% | 1,256 |
| Net operating income to assets | 0.8324% | 2,982 |
| Return on assets (ROA) | 0.8324% | 2,993 |
| Pretax return on assets | 0.8324% | 3,320 |
| Return on Equity (ROE) | 27.3600% | 282 |
| Retained earnings to average equity (ytd only) | 14.6585% | 604 |
| Net charge-offs to loans | -0.0802% | 4,479 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 73.8552% | 1,360 |
| Assets per employee ($millions) | 6.3565% | 2,422 |
| Cash dividends to net income (ytd only)* | 46.4151% | 1,437 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6530% | 831 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 56.4100% | 3,092 |
| Net loans and leases to deposits | 60.5132% | 3,391 |
| Net loans and leases to core deposits | 68.2043% | 3,223 |
| Total domestic deposits to total assets | 93.2200% | 221 |
| Equity capital to assets | 3.1831% | 4,558 |
| Core capital (leverage) ratio | 9.4773% | 3,271 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2539% | 1,073 |
| Memoranda: | ||
| Average total assets | $191,018,333 | 3,058 |
| Average earning assets | $181,769,000 | 3,016 |
| Average equity | $5,812,333 | 4,212 |
| Average total loans | $109,690,667 | 3,059 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1682% | 3,106 |
| Cost of funding earning assets | 0.5139% | 3,641 |
| Net interest margin | 3.6543% | 2,006 |
| Noninterest income to average assets | 0.1400% | 4,146 |
| Noninterest expense to average assets | 2.5902% | 1,980 |
| Loan and lease loss provision to assets | 0.0900% | 1,196 |
| Net operating income to assets | 0.9562% | 2,667 |
| Return on assets (ROA) | 0.9562% | 2,631 |
| Pretax return on assets | 0.9562% | 3,107 |
| Return on Equity (ROE) | 32.1600% | 197 |
| Retained earnings to average equity (ytd only) | 19.1431% | 426 |
| Net charge-offs to loans | -0.1420% | 4,557 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 71.1494% | 1,619 |
| Assets per employee ($millions) | 6.3476% | 2,456 |
| Cash dividends to net income (ytd only)* | 40.4814% | 1,446 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5979% | 1,011 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 56.8500% | 2,972 |
| Net loans and leases to deposits | 59.0608% | 3,392 |
| Net loans and leases to core deposits | 65.4667% | 3,263 |
| Total domestic deposits to total assets | 96.2600% | 42 |
| Equity capital to assets | 3.3378% | 4,581 |
| Core capital (leverage) ratio | 9.2979% | 3,409 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2330% | 1,560 |
| Memoranda: | ||
| Average total assets | $191,179,500 | 3,096 |
| Average earning assets | $182,908,000 | 3,044 |
| Average equity | $5,683,500 | 4,283 |
| Average total loans | $109,848,500 | 3,096 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4844% | 3,124 |
| Cost of funding earning assets | 0.0963% | 4,410 |
| Net interest margin | 3.3881% | 2,301 |
| Noninterest income to average assets | 0.1500% | 4,220 |
| Noninterest expense to average assets | 2.5430% | 1,984 |
| Loan and lease loss provision to assets | 0.1000% | 1,238 |
| Net operating income to assets | 0.6881% | 3,647 |
| Return on assets (ROA) | 0.6387% | 3,734 |
| Pretax return on assets | 0.6387% | 3,960 |
| Return on Equity (ROE) | 13.9700% | 1,537 |
| Retained earnings to average equity (ytd only) | 8.4349% | 1,665 |
| Net charge-offs to loans | -0.0192% | 4,048 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 76.3696% | 973 |
| Assets per employee ($millions) | 6.3977% | 2,422 |
| Cash dividends to net income (ytd only)* | 39.6257% | 1,925 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5272% | 1,126 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 56.2700% | 3,002 |
| Net loans and leases to deposits | 61.8288% | 3,210 |
| Net loans and leases to core deposits | 62.2644% | 3,378 |
| Total domestic deposits to total assets | 91.0100% | 955 |
| Equity capital to assets | 2.6108% | 4,623 |
| Core capital (leverage) ratio | 9.2098% | 3,462 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8020% | 1,160 |
| Memoranda: | ||
| Average total assets | $192,409,200 | 3,084 |
| Average earning assets | $180,663,800 | 3,057 |
| Average equity | $8,796,800 | 4,010 |
| Average total loans | $99,117,600 | 3,164 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3266% | 3,112 |
| Cost of funding earning assets | 0.0807% | 4,414 |
| Net interest margin | 3.2459% | 2,473 |
| Noninterest income to average assets | 0.1500% | 4,253 |
| Noninterest expense to average assets | 2.5152% | 1,972 |
| Loan and lease loss provision to assets | 0.1300% | 800 |
| Net operating income to assets | 0.5339% | 4,001 |
| Return on assets (ROA) | 0.5339% | 3,946 |
| Pretax return on assets | 0.5339% | 4,095 |
| Return on Equity (ROE) | 10.5500% | 2,551 |
| Retained earnings to average equity (ytd only) | 5.8569% | 2,803 |
| Net charge-offs to loans | -0.0193% | 3,983 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 79.0769% | 835 |
| Assets per employee ($millions) | 6.3307% | 2,455 |
| Cash dividends to net income (ytd only)* | 44.4877% | 1,394 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6148% | 1,037 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 53.5700% | 3,139 |
| Net loans and leases to deposits | 54.9939% | 3,549 |
| Net loans and leases to core deposits | 55.4682% | 3,660 |
| Total domestic deposits to total assets | 97.4200% | 66 |
| Equity capital to assets | 2.4847% | 4,630 |
| Core capital (leverage) ratio | 8.9128% | 3,683 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0974% | 1,675 |
| Memoranda: | ||
| Average total assets | $192,528,500 | 3,111 |
| Average earning assets | $180,038,500 | 3,089 |
| Average equity | $9,743,250 | 3,944 |
| Average total loans | $96,477,000 | 3,213 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1894% | 3,076 |
| Cost of funding earning assets | 0.0835% | 4,340 |
| Net interest margin | 3.1060% | 2,516 |
| Noninterest income to average assets | 0.1427% | 4,306 |
| Noninterest expense to average assets | 2.4788% | 2,002 |
| Loan and lease loss provision to assets | 0.1241% | 791 |
| Net operating income to assets | 0.4261% | 4,065 |
| Return on assets (ROA) | 0.4261% | 4,014 |
| Pretax return on assets | 0.4261% | 4,115 |
| Return on Equity (ROE) | 7.2167% | 3,247 |
| Retained earnings to average equity (ytd only) | 2.7676% | 3,527 |
| Net charge-offs to loans | -0.0191% | 3,849 |
| Credit loss provision to net charge-offs | -1,333.3333% | 3,610 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.8368% | 816 |
| Assets per employee ($millions) | 6.6449% | 2,215 |
| Cash dividends to net income (ytd only)* | 61.6505% | 1,017 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6410% | 1,070 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 49.6111% | 3,412 |
| Net loans and leases to deposits | 51.5319% | 3,723 |
| Net loans and leases to core deposits | 51.9748% | 3,823 |
| Total domestic deposits to total assets | 96.2725% | 73 |
| Equity capital to assets | 3.6564% | 4,654 |
| Core capital (leverage) ratio | 8.7731% | 3,692 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4740% | 1,084 |
| Memoranda: | ||
| Average total assets | $193,398,000 | 3,134 |
| Average earning assets | $179,718,667 | 3,135 |
| Average equity | $11,418,000 | 3,842 |
| Average total loans | $94,163,667 | 3,273 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1667% | 2,787 |
| Cost of funding earning assets | 0.0915% | 4,244 |
| Net interest margin | 3.0752% | 2,251 |
| Noninterest income to average assets | 0.1259% | 4,379 |
| Noninterest expense to average assets | 2.4610% | 1,985 |
| Loan and lease loss provision to assets | 0.1239% | 673 |
| Net operating income to assets | 0.3861% | 3,987 |
| Return on assets (ROA) | 0.3861% | 3,951 |
| Pretax return on assets | 0.3861% | 4,057 |
| Return on Equity (ROE) | 5.4984% | 3,484 |
| Retained earnings to average equity (ytd only) | 0.2352% | 3,974 |
| Net charge-offs to loans | -0.0216% | 3,953 |
| Credit loss provision to net charge-offs | -1,200.0000% | 3,296 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.8353% | 927 |
| Assets per employee ($millions) | 6.6297% | 2,267 |
| Cash dividends to net income (ytd only)* | 95.7219% | 559 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6673% | 1,108 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 46.9643% | 3,489 |
| Net loans and leases to deposits | 49.8476% | 3,743 |
| Net loans and leases to core deposits | 50.6581% | 3,837 |
| Total domestic deposits to total assets | 94.2157% | 96 |
| Equity capital to assets | 5.6522% | 4,645 |
| Core capital (leverage) ratio | 8.5902% | 3,772 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9843% | 1,047 |
| Memoranda: | ||
| Average total assets | $193,745,500 | 3,144 |
| Average earning assets | $179,240,500 | 3,149 |
| Average equity | $13,604,000 | 3,695 |
| Average total loans | $92,647,000 | 3,288 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5329% | 2,565 |
| Cost of funding earning assets | 0.1098% | 4,309 |
| Net interest margin | 3.4231% | 1,957 |
| Noninterest income to average assets | 0.1287% | 4,502 |
| Noninterest expense to average assets | 2.3526% | 2,649 |
| Loan and lease loss provision to assets | 0.1260% | 977 |
| Net operating income to assets | 0.7924% | 3,355 |
| Return on assets (ROA) | 0.7704% | 3,485 |
| Pretax return on assets | 0.7704% | 3,784 |
| Return on Equity (ROE) | 8.6632% | 3,027 |
| Retained earnings to average equity (ytd only) | 5.3503% | 2,645 |
| Net charge-offs to loans | -0.0568% | 4,380 |
| Credit loss provision to net charge-offs | -436.3636% | 3,730 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9217% | 1,522 |
| Assets per employee ($millions) | 6.7321% | 2,124 |
| Cash dividends to net income (ytd only)* | 38.2413% | 2,118 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5695% | 1,334 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 47.1249% | 3,585 |
| Net loans and leases to deposits | 51.5028% | 3,770 |
| Net loans and leases to core deposits | 52.3509% | 3,867 |
| Total domestic deposits to total assets | 91.4998% | 315 |
| Equity capital to assets | 8.3701% | 4,132 |
| Core capital (leverage) ratio | 8.7346% | 3,687 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1817% | 1,011 |
| Memoranda: | ||
| Average total assets | $190,431,200 | 3,129 |
| Average earning assets | $174,813,200 | 3,132 |
| Average equity | $16,933,600 | 3,470 |
| Average total loans | $96,905,400 | 3,240 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5456% | 2,703 |
| Cost of funding earning assets | 0.1143% | 4,393 |
| Net interest margin | 3.4314% | 2,068 |
| Noninterest income to average assets | 0.1261% | 4,562 |
| Noninterest expense to average assets | 2.3604% | 2,563 |
| Loan and lease loss provision to assets | 0.1268% | 919 |
| Net operating income to assets | 0.7913% | 3,547 |
| Return on assets (ROA) | 0.7913% | 3,614 |
| Pretax return on assets | 0.7913% | 3,907 |
| Return on Equity (ROE) | 8.7655% | 3,177 |
| Retained earnings to average equity (ytd only) | 5.2062% | 3,139 |
| Net charge-offs to loans | -0.0682% | 4,476 |
| Credit loss provision to net charge-offs | -360.0000% | 3,551 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9966% | 1,402 |
| Assets per employee ($millions) | 6.5100% | 2,234 |
| Cash dividends to net income (ytd only)* | 40.6055% | 1,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4785% | 1,714 |
| Loan loss allowance to noncurrent loans | 396.0452% | 1,621 |
| Noncurrent assets plus other real estate owned to assets | 0.1875% | 2,860 |
| Noncurrent loans to loans | 0.3733% | 2,443 |
| Net loans and leases to total assets | 49.4838% | 3,470 |
| Net loans and leases to deposits | 54.3366% | 3,710 |
| Net loans and leases to core deposits | 55.1843% | 3,839 |
| Total domestic deposits to total assets | 91.0690% | 345 |
| Equity capital to assets | 8.8368% | 3,974 |
| Core capital (leverage) ratio | 8.5135% | 4,010 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.7267% | 859 |
| Memoranda: | ||
| Average total assets | $189,231,500 | 3,173 |
| Average earning assets | $173,843,000 | 3,180 |
| Average equity | $17,081,750 | 3,502 |
| Average total loans | $97,764,500 | 3,275 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6864% | 2,374 |
| Cost of funding earning assets | 0.1189% | 4,446 |
| Net interest margin | 3.5675% | 1,666 |
| Noninterest income to average assets | 0.1215% | 4,588 |
| Noninterest expense to average assets | 2.3202% | 2,699 |
| Loan and lease loss provision to assets | 0.1267% | 991 |
| Net operating income to assets | 0.9061% | 3,199 |
| Return on assets (ROA) | 0.9061% | 3,276 |
| Pretax return on assets | 0.9061% | 3,646 |
| Return on Equity (ROE) | 9.9682% | 2,751 |
| Retained earnings to average equity (ytd only) | 6.7152% | 2,533 |
| Net charge-offs to loans | -0.0446% | 4,318 |
| Credit loss provision to net charge-offs | -545.4545% | 3,487 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1969% | 1,737 |
| Assets per employee ($millions) | 6.7816% | 1,963 |
| Cash dividends to net income (ytd only)* | 32.6340% | 1,932 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3824% | 2,051 |
| Loan loss allowance to noncurrent loans | 364.7222% | 1,635 |
| Noncurrent assets plus other real estate owned to assets | 0.1831% | 3,046 |
| Noncurrent loans to loans | 0.3790% | 2,536 |
| Net loans and leases to total assets | 47.6267% | 3,767 |
| Net loans and leases to deposits | 52.2859% | 3,976 |
| Net loans and leases to core deposits | 53.1426% | 4,075 |
| Total domestic deposits to total assets | 91.0890% | 345 |
| Equity capital to assets | 8.8220% | 3,953 |
| Core capital (leverage) ratio | 8.5096% | 3,966 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5809% | 1,019 |
| Memoranda: | ||
| Average total assets | $189,378,333 | 3,179 |
| Average earning assets | $171,551,000 | 3,203 |
| Average equity | $17,214,667 | 3,491 |
| Average total loans | $98,745,000 | 3,270 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9010% | 1,825 |
| Cost of funding earning assets | 0.1326% | 4,438 |
| Net interest margin | 3.7684% | 1,205 |
| Noninterest income to average assets | 0.1012% | 4,682 |
| Noninterest expense to average assets | 2.3625% | 2,615 |
| Loan and lease loss provision to assets | 0.1292% | 1,062 |
| Net operating income to assets | 1.0359% | 2,693 |
| Return on assets (ROA) | 1.0359% | 2,771 |
| Pretax return on assets | 1.0359% | 3,272 |
| Return on Equity (ROE) | 11.2206% | 2,296 |
| Retained earnings to average equity (ytd only) | 8.0481% | 2,218 |
| Net charge-offs to loans | -0.0398% | 4,305 |
| Credit loss provision to net charge-offs | -600.0000% | 3,219 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9719% | 2,087 |
| Assets per employee ($millions) | 6.8249% | 1,915 |
| Cash dividends to net income (ytd only)* | 28.2744% | 1,766 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2176% | 2,833 |
| Loan loss allowance to noncurrent loans | 315.2284% | 1,686 |
| Noncurrent assets plus other real estate owned to assets | 0.2062% | 3,124 |
| Noncurrent loans to loans | 0.3862% | 2,707 |
| Net loans and leases to total assets | 52.7298% | 3,377 |
| Net loans and leases to deposits | 57.8378% | 3,654 |
| Net loans and leases to core deposits | 58.8110% | 3,783 |
| Total domestic deposits to total assets | 91.1684% | 340 |
| Equity capital to assets | 8.7416% | 3,921 |
| Core capital (leverage) ratio | 8.7067% | 3,907 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2040% | 1,505 |
| Memoranda: | ||
| Average total assets | $185,734,000 | 3,196 |
| Average earning assets | $168,879,000 | 3,227 |
| Average equity | $17,147,000 | 3,503 |
| Average total loans | $100,628,000 | 3,252 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9735% | 2,810 |
| Cost of funding earning assets | 0.1796% | 4,646 |
| Net interest margin | 3.7940% | 1,515 |
| Noninterest income to average assets | 0.1608% | 4,493 |
| Noninterest expense to average assets | 2.7145% | 2,199 |
| Loan and lease loss provision to assets | 0.2841% | 1,340 |
| Net operating income to assets | 0.6232% | 3,673 |
| Return on assets (ROA) | 0.6232% | 3,796 |
| Pretax return on assets | 0.6232% | 4,032 |
| Return on Equity (ROE) | 6.0679% | 3,563 |
| Retained earnings to average equity (ytd only) | 3.4783% | 3,093 |
| Net charge-offs to loans | 0.1255% | 1,251 |
| Credit loss provision to net charge-offs | 394.9580% | 1,447 |
| Earnings coverage of net charge-offs (x) | 12.6134% | 2,325 |
| Efficiency ratio | 74.9499% | 1,339 |
| Assets per employee ($millions) | 6.4418% | 1,960 |
| Cash dividends to net income (ytd only)* | 42.6770% | 2,214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1809% | 3,054 |
| Loan loss allowance to noncurrent loans | 297.4619% | 1,726 |
| Noncurrent assets plus other real estate owned to assets | 0.2184% | 3,198 |
| Noncurrent loans to loans | 0.3970% | 2,787 |
| Net loans and leases to total assets | 54.3751% | 3,459 |
| Net loans and leases to deposits | 60.3131% | 3,732 |
| Net loans and leases to core deposits | 61.4002% | 3,863 |
| Total domestic deposits to total assets | 90.1547% | 504 |
| Equity capital to assets | 9.7516% | 3,364 |
| Core capital (leverage) ratio | 8.8054% | 3,895 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7852% | 1,602 |
| Memoranda: | ||
| Average total assets | $165,443,400 | 3,234 |
| Average earning assets | $150,923,800 | 3,256 |
| Average equity | $16,991,000 | 3,454 |
| Average total loans | $94,852,600 | 3,318 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0056% | 2,957 |
| Cost of funding earning assets | 0.1877% | 4,709 |
| Net interest margin | 3.8180% | 1,568 |
| Noninterest income to average assets | 0.1525% | 4,531 |
| Noninterest expense to average assets | 2.7777% | 2,026 |
| Loan and lease loss provision to assets | 0.2888% | 1,401 |
| Net operating income to assets | 0.5755% | 3,845 |
| Return on assets (ROA) | 0.5755% | 3,937 |
| Pretax return on assets | 0.5755% | 4,147 |
| Return on Equity (ROE) | 5.5259% | 3,714 |
| Retained earnings to average equity (ytd only) | 2.8104% | 3,603 |
| Net charge-offs to loans | 0.1138% | 1,213 |
| Credit loss provision to net charge-offs | 437.5000% | 1,389 |
| Earnings coverage of net charge-offs (x) | 13.1000% | 2,213 |
| Efficiency ratio | 76.2735% | 1,188 |
| Assets per employee ($millions) | 6.2830% | 2,015 |
| Cash dividends to net income (ytd only)* | 49.1404% | 1,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0507% | 3,457 |
| Loan loss allowance to noncurrent loans | 248.6301% | 1,873 |
| Noncurrent assets plus other real estate owned to assets | 0.2490% | 3,189 |
| Noncurrent loans to loans | 0.4226% | 2,792 |
| Net loans and leases to total assets | 58.2951% | 3,390 |
| Net loans and leases to deposits | 64.7828% | 3,726 |
| Net loans and leases to core deposits | 65.9810% | 3,891 |
| Total domestic deposits to total assets | 89.9854% | 428 |
| Equity capital to assets | 9.9253% | 3,291 |
| Core capital (leverage) ratio | 8.8772% | 3,883 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $161,711,500 | 3,259 |
| Average earning assets | $147,787,750 | 3,269 |
| Average equity | $16,841,500 | 3,469 |
| Average total loans | $93,753,500 | 3,352 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1950% | 2,782 |
| Cost of funding earning assets | 0.1921% | 4,781 |
| Net interest margin | 4.0029% | 1,311 |
| Noninterest income to average assets | 0.1503% | 4,552 |
| Noninterest expense to average assets | 2.8922% | 1,847 |
| Loan and lease loss provision to assets | 0.3631% | 1,160 |
| Net operating income to assets | 0.5848% | 3,785 |
| Return on assets (ROA) | 0.5848% | 3,866 |
| Pretax return on assets | 0.5848% | 4,090 |
| Return on Equity (ROE) | 5.5185% | 3,667 |
| Retained earnings to average equity (ytd only) | 2.7292% | 3,490 |
| Net charge-offs to loans | 0.0862% | 1,386 |
| Credit loss provision to net charge-offs | 730.7692% | 970 |
| Earnings coverage of net charge-offs (x) | 19.0769% | 1,740 |
| Efficiency ratio | 75.3152% | 1,335 |
| Assets per employee ($millions) | 5.9874% | 2,193 |
| Cash dividends to net income (ytd only)* | 50.5447% | 1,539 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0113% | 3,519 |
| Loan loss allowance to noncurrent loans | 264.2680% | 1,721 |
| Noncurrent assets plus other real estate owned to assets | 0.7320% | 1,683 |
| Noncurrent loans to loans | 0.3827% | 3,040 |
| Net loans and leases to total assets | 60.0394% | 3,322 |
| Net loans and leases to deposits | 66.7580% | 3,660 |
| Net loans and leases to core deposits | 67.4373% | 3,892 |
| Total domestic deposits to total assets | 89.9358% | 415 |
| Equity capital to assets | 9.9674% | 3,237 |
| Core capital (leverage) ratio | 9.1528% | 3,736 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $156,974,000 | 3,282 |
| Average earning assets | $144,695,667 | 3,284 |
| Average equity | $16,635,000 | 3,488 |
| Average total loans | $90,456,667 | 3,402 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2833% | 2,976 |
| Cost of funding earning assets | 0.2189% | 4,848 |
| Net interest margin | 4.0644% | 1,213 |
| Noninterest income to average assets | 0.1776% | 4,481 |
| Noninterest expense to average assets | 2.9709% | 1,956 |
| Loan and lease loss provision to assets | 0.4844% | 613 |
| Net operating income to assets | 0.5194% | 3,845 |
| Return on assets (ROA) | 0.5194% | 3,902 |
| Pretax return on assets | 0.5194% | 4,087 |
| Return on Equity (ROE) | 4.7365% | 3,728 |
| Retained earnings to average equity (ytd only) | 0.9326% | 3,761 |
| Net charge-offs to loans | 0.2216% | 635 |
| Credit loss provision to net charge-offs | 391.3043% | 1,025 |
| Earnings coverage of net charge-offs (x) | 8.1087% | 1,886 |
| Efficiency ratio | 74.7461% | 1,719 |
| Assets per employee ($millions) | 6.0604% | 1,631 |
| Cash dividends to net income (ytd only)* | 80.3109% | 1,024 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1117% | 3,133 |
| Loan loss allowance to noncurrent loans | 239.4472% | 1,821 |
| Noncurrent assets plus other real estate owned to assets | 0.9016% | 1,486 |
| Noncurrent loans to loans | 0.4643% | 2,858 |
| Net loans and leases to total assets | 55.9504% | 3,842 |
| Net loans and leases to deposits | 62.9622% | 4,038 |
| Net loans and leases to core deposits | 63.7060% | 4,184 |
| Total domestic deposits to total assets | 88.8635% | 725 |
| Equity capital to assets | 11.0355% | 2,824 |
| Core capital (leverage) ratio | 10.2399% | 3,208 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4136% | 2,964 |
| Memoranda: | ||
| Average total assets | $148,643,000 | 3,341 |
| Average earning assets | $138,864,500 | 3,327 |
| Average equity | $16,299,000 | 3,530 |
| Average total loans | $83,027,500 | 3,533 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0387% | 4,168 |
| Cost of funding earning assets | 0.3003% | 4,728 |
| Net interest margin | 3.7384% | 2,700 |
| Noninterest income to average assets | 0.1952% | 4,492 |
| Noninterest expense to average assets | 2.7567% | 2,729 |
| Loan and lease loss provision to assets | 0.1748% | 1,194 |
| Net operating income to assets | 0.8958% | 3,223 |
| Return on assets (ROA) | 0.9298% | 3,169 |
| Pretax return on assets | 0.9298% | 3,649 |
| Return on Equity (ROE) | 9.1738% | 2,680 |
| Retained earnings to average equity (ytd only) | 4.7916% | 2,541 |
| Net charge-offs to loans | 0.3170% | 652 |
| Credit loss provision to net charge-offs | 103.2129% | 2,403 |
| Earnings coverage of net charge-offs (x) | 6.3213% | 2,985 |
| Efficiency ratio | 72.0277% | 1,864 |
| Assets per employee ($millions) | 5.8310% | 1,768 |
| Cash dividends to net income (ytd only)* | 47.7688% | 2,208 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0208% | 3,378 |
| Loan loss allowance to noncurrent loans | 78.1697% | 3,626 |
| Noncurrent assets plus other real estate owned to assets | 0.7196% | 1,803 |
| Noncurrent loans to loans | 1.3058% | 1,156 |
| Net loans and leases to total assets | 54.5436% | 4,043 |
| Net loans and leases to deposits | 61.2702% | 4,230 |
| Net loans and leases to core deposits | 62.0206% | 4,353 |
| Total domestic deposits to total assets | 89.0214% | 664 |
| Equity capital to assets | 10.8921% | 3,100 |
| Core capital (leverage) ratio | 10.4832% | 2,966 |
| Tier 1 risk-based capital ratio | 11.6541% | 4,545 |
| Total risk-based capital ratio | 12.2819% | 4,752 |
| Memoranda: | ||
| Average total assets | $147,023,400 | 3,335 |
| Average earning assets | $142,841,600 | 3,246 |
| Average equity | $14,901,200 | 3,645 |
| Average total loans | $78,550,200 | 3,628 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0786% | 4,202 |
| Cost of funding earning assets | 0.3045% | 4,788 |
| Net interest margin | 3.7741% | 2,668 |
| Noninterest income to average assets | 0.1909% | 4,575 |
| Noninterest expense to average assets | 2.7130% | 2,829 |
| Loan and lease loss provision to assets | 0.1928% | 924 |
| Net operating income to assets | 0.9529% | 3,153 |
| Return on assets (ROA) | 0.9610% | 3,201 |
| Pretax return on assets | 0.9610% | 3,710 |
| Return on Equity (ROE) | 9.6606% | 2,591 |
| Retained earnings to average equity (ytd only) | 5.2488% | 2,758 |
| Net charge-offs to loans | 0.5394% | 309 |
| Credit loss provision to net charge-offs | 67.4051% | 2,645 |
| Earnings coverage of net charge-offs (x) | 4.0064% | 3,053 |
| Efficiency ratio | 70.3096% | 2,070 |
| Assets per employee ($millions) | 5.8318% | 1,731 |
| Cash dividends to net income (ytd only)* | 45.6687% | 1,896 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9022% | 4,035 |
| Loan loss allowance to noncurrent loans | 67.6835% | 3,863 |
| Noncurrent assets plus other real estate owned to assets | 0.7195% | 1,903 |
| Noncurrent loans to loans | 1.3330% | 1,154 |
| Net loans and leases to total assets | 53.4902% | 4,219 |
| Net loans and leases to deposits | 60.0234% | 4,384 |
| Net loans and leases to core deposits | 60.6390% | 4,511 |
| Total domestic deposits to total assets | 89.1155% | 576 |
| Equity capital to assets | 10.8028% | 3,293 |
| Core capital (leverage) ratio | 10.2745% | 3,331 |
| Tier 1 risk-based capital ratio | 16.3344% | 2,319 |
| Total risk-based capital ratio | 17.1033% | 2,428 |
| Memoranda: | ||
| Average total assets | $147,335,500 | 3,372 |
| Average earning assets | $143,183,750 | 3,271 |
| Average equity | $14,657,000 | 3,700 |
| Average total loans | $78,105,000 | 3,674 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0874% | 4,196 |
| Cost of funding earning assets | 0.3021% | 4,821 |
| Net interest margin | 3.7853% | 2,633 |
| Noninterest income to average assets | 0.1772% | 4,682 |
| Noninterest expense to average assets | 2.7339% | 2,808 |
| Loan and lease loss provision to assets | 0.1447% | 1,278 |
| Net operating income to assets | 0.9767% | 3,003 |
| Return on assets (ROA) | 0.9888% | 3,033 |
| Pretax return on assets | 0.9888% | 3,587 |
| Return on Equity (ROE) | 10.2290% | 2,279 |
| Retained earnings to average equity (ytd only) | 6.2689% | 2,164 |
| Net charge-offs to loans | 0.4261% | 390 |
| Credit loss provision to net charge-offs | 64.4578% | 2,368 |
| Earnings coverage of net charge-offs (x) | 4.9940% | 2,696 |
| Efficiency ratio | 70.9123% | 2,082 |
| Assets per employee ($millions) | 6.4448% | 1,265 |
| Cash dividends to net income (ytd only)* | 38.7141% | 2,259 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9801% | 3,739 |
| Loan loss allowance to noncurrent loans | 62.5415% | 3,966 |
| Noncurrent assets plus other real estate owned to assets | 0.8122% | 1,733 |
| Noncurrent loans to loans | 1.5671% | 974 |
| Net loans and leases to total assets | 51.3219% | 4,399 |
| Net loans and leases to deposits | 57.2363% | 4,550 |
| Net loans and leases to core deposits | 57.9050% | 4,648 |
| Total domestic deposits to total assets | 89.6668% | 424 |
| Equity capital to assets | 10.2516% | 3,744 |
| Core capital (leverage) ratio | 10.0659% | 3,522 |
| Tier 1 risk-based capital ratio | 17.0544% | 2,071 |
| Total risk-based capital ratio | 17.9131% | 2,137 |
| Memoranda: | ||
| Average total assets | $147,849,000 | 3,377 |
| Average earning assets | $143,659,670 | 3,288 |
| Average equity | $14,292,670 | 3,751 |
| Average total loans | $77,908,000 | 3,694 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0519% | 4,256 |
| Cost of funding earning assets | 0.3038% | 4,833 |
| Net interest margin | 3.7482% | 2,717 |
| Noninterest income to average assets | 0.1788% | 4,678 |
| Noninterest expense to average assets | 2.8390% | 2,446 |
| Loan and lease loss provision to assets | 0.0975% | 1,797 |
| Net operating income to assets | 0.8858% | 3,287 |
| Return on assets (ROA) | 0.8858% | 3,343 |
| Pretax return on assets | 0.8858% | 3,813 |
| Return on Equity (ROE) | 9.4502% | 2,611 |
| Retained earnings to average equity (ytd only) | 5.0574% | 2,881 |
| Net charge-offs to loans | -0.0102% | 4,236 |
| Credit loss provision to net charge-offs | -1,800.0000% | 4,045 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2736% | 1,720 |
| Assets per employee ($millions) | 5.7539% | 1,745 |
| Cash dividends to net income (ytd only)* | 46.4832% | 1,721 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0913% | 3,179 |
| Loan loss allowance to noncurrent loans | 61.7284% | 4,039 |
| Noncurrent assets plus other real estate owned to assets | 0.9204% | 1,523 |
| Noncurrent loans to loans | 1.7680% | 876 |
| Net loans and leases to total assets | 51.4940% | 4,378 |
| Net loans and leases to deposits | 57.0422% | 4,544 |
| Net loans and leases to core deposits | 57.6975% | 4,651 |
| Total domestic deposits to total assets | 90.2735% | 364 |
| Equity capital to assets | 9.6362% | 4,145 |
| Core capital (leverage) ratio | 10.0102% | 3,595 |
| Tier 1 risk-based capital ratio | 16.5481% | 2,250 |
| Total risk-based capital ratio | 17.5061% | 2,297 |
| Memoranda: | ||
| Average total assets | $147,658,000 | 3,416 |
| Average earning assets | $143,536,000 | 3,329 |
| Average equity | $13,841,000 | 3,826 |
| Average total loans | $78,448,000 | 3,725 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8861% | 4,303 |
| Cost of funding earning assets | 0.2133% | 4,952 |
| Net interest margin | 3.6728% | 3,146 |
| Noninterest income to average assets | 0.1782% | 4,834 |
| Noninterest expense to average assets | 2.6250% | 3,259 |
| Loan and lease loss provision to assets | 0.1702% | 1,177 |
| Net operating income to assets | 0.9497% | 3,234 |
| Return on assets (ROA) | 0.9228% | 3,343 |
| Pretax return on assets | 0.9228% | 3,837 |
| Return on Equity (ROE) | 10.7576% | 2,181 |
| Retained earnings to average equity (ytd only) | 7.5428% | 1,439 |
| Net charge-offs to loans | 0.3921% | 477 |
| Credit loss provision to net charge-offs | 86.3481% | 2,765 |
| Earnings coverage of net charge-offs (x) | 5.6826% | 3,165 |
| Efficiency ratio | 70.0970% | 2,166 |
| Assets per employee ($millions) | 5.6044% | 1,858 |
| Cash dividends to net income (ytd only)* | 29.8834% | 3,051 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0277% | 3,506 |
| Loan loss allowance to noncurrent loans | 58.7980% | 4,136 |
| Noncurrent assets plus other real estate owned to assets | 0.9477% | 1,447 |
| Noncurrent loans to loans | 1.7479% | 820 |
| Net loans and leases to total assets | 53.6654% | 4,307 |
| Net loans and leases to deposits | 59.7725% | 4,493 |
| Net loans and leases to core deposits | 60.4808% | 4,610 |
| Total domestic deposits to total assets | 89.7827% | 548 |
| Equity capital to assets | 9.1041% | 4,484 |
| Core capital (leverage) ratio | 9.8688% | 3,725 |
| Tier 1 risk-based capital ratio | 16.1257% | 2,367 |
| Total risk-based capital ratio | 17.0283% | 2,422 |
| Memoranda: | ||
| Average total assets | $148,683,000 | 3,402 |
| Average earning assets | $144,385,000 | 3,321 |
| Average equity | $12,753,800 | 3,921 |
| Average total loans | $74,726,000 | 3,779 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7887% | 4,463 |
| Cost of funding earning assets | 0.1783% | 5,103 |
| Net interest margin | 3.6104% | 3,331 |
| Noninterest income to average assets | 0.1704% | 4,936 |
| Noninterest expense to average assets | 2.6135% | 3,241 |
| Loan and lease loss provision to assets | 0.1258% | 1,601 |
| Net operating income to assets | 0.9369% | 3,362 |
| Return on assets (ROA) | 0.9003% | 3,534 |
| Pretax return on assets | 0.9003% | 4,019 |
| Return on Equity (ROE) | 10.6552% | 2,322 |
| Retained earnings to average equity (ytd only) | 7.9307% | 1,688 |
| Net charge-offs to loans | 0.5304% | 285 |
| Credit loss provision to net charge-offs | 48.1229% | 2,850 |
| Earnings coverage of net charge-offs (x) | 4.0648% | 3,102 |
| Efficiency ratio | 71.0922% | 2,026 |
| Assets per employee ($millions) | 5.3430% | 2,080 |
| Cash dividends to net income (ytd only)* | 25.5698% | 2,769 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9579% | 4,022 |
| Loan loss allowance to noncurrent loans | 43.3623% | 4,526 |
| Noncurrent assets plus other real estate owned to assets | 1.1174% | 1,277 |
| Noncurrent loans to loans | 2.2090% | 635 |
| Net loans and leases to total assets | 50.1002% | 4,591 |
| Net loans and leases to deposits | 54.8256% | 4,793 |
| Net loans and leases to core deposits | 55.6214% | 4,854 |
| Total domestic deposits to total assets | 91.3809% | 151 |
| Equity capital to assets | 8.5449% | 4,896 |
| Core capital (leverage) ratio | 9.6860% | 3,956 |
| Tier 1 risk-based capital ratio | 16.7481% | 2,183 |
| Total risk-based capital ratio | 17.5669% | 2,271 |
| Memoranda: | ||
| Average total assets | $149,425,250 | 3,429 |
| Average earning assets | $145,095,500 | 3,341 |
| Average equity | $12,625,750 | 3,968 |
| Average total loans | $73,655,000 | 3,835 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7184% | 4,540 |
| Cost of funding earning assets | 0.1635% | 5,188 |
| Net interest margin | 3.5549% | 3,450 |
| Noninterest income to average assets | 0.1667% | 4,994 |
| Noninterest expense to average assets | 2.5882% | 3,365 |
| Loan and lease loss provision to assets | 0.1389% | 1,408 |
| Net operating income to assets | 0.8918% | 3,489 |
| Return on assets (ROA) | 0.8376% | 3,730 |
| Pretax return on assets | 0.8376% | 4,141 |
| Return on Equity (ROE) | 9.9487% | 2,584 |
| Retained earnings to average equity (ytd only) | 8.1098% | 1,578 |
| Net charge-offs to loans | 0.4304% | 358 |
| Credit loss provision to net charge-offs | 66.0377% | 2,390 |
| Earnings coverage of net charge-offs (x) | 4.8994% | 2,759 |
| Efficiency ratio | 71.5174% | 2,084 |
| Assets per employee ($millions) | 5.5598% | 1,835 |
| Cash dividends to net income (ytd only)* | 18.4834% | 3,042 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0723% | 3,419 |
| Loan loss allowance to noncurrent loans | 50.8615% | 4,404 |
| Noncurrent assets plus other real estate owned to assets | 1.0439% | 1,435 |
| Noncurrent loans to loans | 2.1084% | 679 |
| Net loans and leases to total assets | 48.9798% | 4,662 |
| Net loans and leases to deposits | 53.4964% | 4,860 |
| Net loans and leases to core deposits | 54.2403% | 4,927 |
| Total domestic deposits to total assets | 91.5571% | 139 |
| Equity capital to assets | 8.3776% | 5,033 |
| Core capital (leverage) ratio | 9.2765% | 4,384 |
| Tier 1 risk-based capital ratio | 16.2103% | 2,363 |
| Total risk-based capital ratio | 17.1292% | 2,424 |
| Memoranda: | ||
| Average total assets | $151,146,670 | 3,418 |
| Average earning assets | $146,782,000 | 3,337 |
| Average equity | $12,725,330 | 3,977 |
| Average total loans | $73,882,000 | 3,852 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6574% | 4,578 |
| Cost of funding earning assets | 0.1629% | 5,202 |
| Net interest margin | 3.4945% | 3,557 |
| Noninterest income to average assets | 0.1609% | 5,058 |
| Noninterest expense to average assets | 2.5926% | 3,352 |
| Loan and lease loss provision to assets | 0.0949% | 1,926 |
| Net operating income to assets | 0.8677% | 3,425 |
| Return on assets (ROA) | 0.7596% | 3,874 |
| Pretax return on assets | 0.7596% | 4,262 |
| Return on Equity (ROE) | 9.0000% | 2,909 |
| Retained earnings to average equity (ytd only) | 9.0000% | 1,461 |
| Net charge-offs to loans | 0.9069% | 156 |
| Credit loss provision to net charge-offs | 21.5569% | 2,117 |
| Earnings coverage of net charge-offs (x) | 2.1856% | 2,485 |
| Efficiency ratio | 72.9228% | 2,050 |
| Assets per employee ($millions) | 5.6043% | 1,844 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9716% | 4,110 |
| Loan loss allowance to noncurrent loans | 193.8172% | 2,308 |
| Noncurrent assets plus other real estate owned to assets | 0.2458% | 3,886 |
| Noncurrent loans to loans | 0.5013% | 3,010 |
| Net loans and leases to total assets | 48.5676% | 4,658 |
| Net loans and leases to deposits | 52.9749% | 4,843 |
| Net loans and leases to core deposits | 53.9681% | 4,915 |
| Total domestic deposits to total assets | 91.6803% | 154 |
| Equity capital to assets | 8.2550% | 5,138 |
| Core capital (leverage) ratio | 9.1926% | 4,442 |
| Tier 1 risk-based capital ratio | 15.7023% | 2,591 |
| Total risk-based capital ratio | 16.5206% | 2,692 |
| Memoranda: | ||
| Average total assets | $151,662,500 | 3,446 |
| Average earning assets | $147,319,000 | 3,370 |
| Average equity | $12,800,000 | 3,995 |
| Average total loans | $73,661,500 | 3,885 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5390% | 4,717 |
| Cost of funding earning assets | 0.1133% | 5,440 |
| Net interest margin | 3.4257% | 3,768 |
| Noninterest income to average assets | 0.2027% | 4,929 |
| Noninterest expense to average assets | 2.3877% | 4,114 |
| Loan and lease loss provision to assets | 0.1745% | 1,248 |
| Net operating income to assets | 0.8994% | 2,711 |
| Return on assets (ROA) | 0.8994% | 2,742 |
| Pretax return on assets | 0.8994% | 3,928 |
| Return on Equity (ROE) | 11.0577% | 1,458 |
| Retained earnings to average equity (ytd only) | 11.0577% | 241 |
| Net charge-offs to loans | 0.0993% | 2,083 |
| Credit loss provision to net charge-offs | 383.0986% | 789 |
| Earnings coverage of net charge-offs (x) | 23.5775% | 1,802 |
| Efficiency ratio | 68.9770% | 2,707 |
| Assets per employee ($millions) | 5.8465% | 1,623 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1653% | 2,982 |
| Loan loss allowance to noncurrent loans | 426.0000% | 1,265 |
| Noncurrent assets plus other real estate owned to assets | 0.1316% | 4,476 |
| Noncurrent loans to loans | 0.2736% | 3,805 |
| Net loans and leases to total assets | 47.5363% | 4,801 |
| Net loans and leases to deposits | 52.0654% | 4,984 |
| Net loans and leases to core deposits | 53.2447% | 5,031 |
| Total domestic deposits to total assets | 91.3012% | 177 |
| Equity capital to assets | 8.6238% | 5,013 |
| Core capital (leverage) ratio | 8.8471% | 4,811 |
| Tier 1 risk-based capital ratio | 15.5296% | 2,615 |
| Total risk-based capital ratio | 16.5052% | 2,656 |
| Memoranda: | ||
| Average total assets | $155,882,400 | 3,404 |
| Average earning assets | $148,291,200 | 3,344 |
| Average equity | $12,679,000 | 4,033 |
| Average total loans | $71,511,600 | 3,928 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5005% | 4,814 |
| Cost of funding earning assets | 0.1159% | 5,495 |
| Net interest margin | 3.3846% | 3,904 |
| Noninterest income to average assets | 0.2159% | 4,928 |
| Noninterest expense to average assets | 2.3546% | 4,139 |
| Loan and lease loss provision to assets | 0.1581% | 1,306 |
| Net operating income to assets | 0.9061% | 3,000 |
| Return on assets (ROA) | 0.9138% | 3,012 |
| Pretax return on assets | 0.9138% | 3,990 |
| Return on Equity (ROE) | 11.4012% | 1,528 |
| Retained earnings to average equity (ytd only) | 11.4012% | 353 |
| Net charge-offs to loans | 0.0656% | 2,181 |
| Credit loss provision to net charge-offs | 531.4286% | 598 |
| Earnings coverage of net charge-offs (x) | 35.7679% | 1,404 |
| Efficiency ratio | 68.8712% | 2,731 |
| Assets per employee ($millions) | 6.1216% | 1,419 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1291% | 3,318 |
| Loan loss allowance to noncurrent loans | 1,097.2603% | 566 |
| Noncurrent assets plus other real estate owned to assets | 0.0477% | 4,994 |
| Noncurrent loans to loans | 0.1029% | 4,648 |
| Net loans and leases to total assets | 45.8309% | 4,949 |
| Net loans and leases to deposits | 50.2572% | 5,119 |
| Net loans and leases to core deposits | 51.3876% | 5,157 |
| Total domestic deposits to total assets | 91.1926% | 142 |
| Equity capital to assets | 8.6990% | 5,148 |
| Core capital (leverage) ratio | 8.4267% | 5,293 |
| Tier 1 risk-based capital ratio | 15.4777% | 2,711 |
| Total risk-based capital ratio | 16.4155% | 2,783 |
| Memoranda: | ||
| Average total assets | $156,850,500 | 3,417 |
| Average earning assets | $148,431,750 | 3,373 |
| Average equity | $12,571,500 | 4,088 |
| Average total loans | $71,111,500 | 3,966 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4727% | 4,829 |
| Cost of funding earning assets | 0.1146% | 5,539 |
| Net interest margin | 3.3581% | 3,919 |
| Noninterest income to average assets | 0.1581% | 5,263 |
| Noninterest expense to average assets | 2.3539% | 4,197 |
| Loan and lease loss provision to assets | 0.0911% | 2,162 |
| Net operating income to assets | 0.8639% | 3,103 |
| Return on assets (ROA) | 0.8652% | 3,153 |
| Pretax return on assets | 0.8652% | 4,060 |
| Return on Equity (ROE) | 11.1000% | 1,603 |
| Retained earnings to average equity (ytd only) | 11.1000% | 423 |
| Net charge-offs to loans | -0.0169% | 4,711 |
| Credit loss provision to net charge-offs | -1,200.0000% | 4,857 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1391% | 2,489 |
| Assets per employee ($millions) | 6.3062% | 1,251 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0340% | 3,939 |
| Loan loss allowance to noncurrent loans | 932.0513% | 611 |
| Noncurrent assets plus other real estate owned to assets | 0.0495% | 5,028 |
| Noncurrent loans to loans | 0.1109% | 4,677 |
| Net loans and leases to total assets | 44.1350% | 5,034 |
| Net loans and leases to deposits | 48.1683% | 5,211 |
| Net loans and leases to core deposits | 49.2142% | 5,247 |
| Total domestic deposits to total assets | 91.6267% | 114 |
| Equity capital to assets | 8.2782% | 5,414 |
| Core capital (leverage) ratio | 8.1011% | 5,489 |
| Tier 1 risk-based capital ratio | 13.8596% | 3,498 |
| Total risk-based capital ratio | 14.6450% | 3,665 |
| Memoranda: | ||
| Average total assets | $158,120,330 | 3,412 |
| Average earning assets | $148,359,000 | 3,391 |
| Average equity | $12,324,330 | 4,137 |
| Average total loans | $71,168,330 | 3,984 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2718% | 5,145 |
| Cost of funding earning assets | 0.1166% | 5,582 |
| Net interest margin | 3.1553% | 4,484 |
| Noninterest income to average assets | 0.1440% | 5,394 |
| Noninterest expense to average assets | 2.4174% | 4,069 |
| Loan and lease loss provision to assets | 0.0909% | 2,026 |
| Net operating income to assets | 0.5759% | 4,255 |
| Return on assets (ROA) | 0.5759% | 4,300 |
| Pretax return on assets | 0.5759% | 4,785 |
| Return on Equity (ROE) | 7.6248% | 3,105 |
| Retained earnings to average equity (ytd only) | 7.6248% | 1,600 |
| Net charge-offs to loans | -0.0168% | 4,643 |
| Credit loss provision to net charge-offs | -1,200.0000% | 4,460 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.3784% | 1,578 |
| Assets per employee ($millions) | 6.2895% | 1,305 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9596% | 4,496 |
| Loan loss allowance to noncurrent loans | 92.3592% | 3,758 |
| Noncurrent assets plus other real estate owned to assets | 0.4744% | 3,324 |
| Noncurrent loans to loans | 1.0389% | 1,982 |
| Net loans and leases to total assets | 45.2276% | 4,976 |
| Net loans and leases to deposits | 49.1194% | 5,174 |
| Net loans and leases to core deposits | 50.1824% | 5,216 |
| Total domestic deposits to total assets | 92.0770% | 95 |
| Equity capital to assets | 7.8321% | 5,587 |
| Core capital (leverage) ratio | 7.5123% | 5,704 |
| Tier 1 risk-based capital ratio | 12.6179% | 4,315 |
| Total risk-based capital ratio | 13.3525% | 4,546 |
| Memoranda: | ||
| Average total assets | $158,353,000 | 3,447 |
| Average earning assets | $147,563,500 | 3,432 |
| Average equity | $11,961,000 | 4,219 |
| Average total loans | $71,598,500 | 4,016 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1722% | 5,337 |
| Cost of funding earning assets | 0.1254% | 5,587 |
| Net interest margin | 3.0467% | 4,858 |
| Noninterest income to average assets | 0.1698% | 5,373 |
| Noninterest expense to average assets | 2.5554% | 3,820 |
| Loan and lease loss provision to assets | 0.1240% | 1,998 |
| Net operating income to assets | 0.3056% | 5,207 |
| Return on assets (ROA) | 0.3551% | 5,155 |
| Pretax return on assets | 0.3551% | 5,288 |
| Return on Equity (ROE) | 4.6174% | 4,612 |
| Retained earnings to average equity (ytd only) | 4.6174% | 2,624 |
| Net charge-offs to loans | 0.1613% | 1,673 |
| Credit loss provision to net charge-offs | 178.5714% | 1,566 |
| Earnings coverage of net charge-offs (x) | 6.1875% | 3,217 |
| Efficiency ratio | 85.6105% | 854 |
| Assets per employee ($millions) | 5.9062% | 1,543 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9105% | 4,746 |
| Loan loss allowance to noncurrent loans | 86.4362% | 3,887 |
| Noncurrent assets plus other real estate owned to assets | 0.4716% | 3,371 |
| Noncurrent loans to loans | 1.0533% | 1,972 |
| Net loans and leases to total assets | 44.3619% | 5,092 |
| Net loans and leases to deposits | 47.9013% | 5,306 |
| Net loans and leases to core deposits | 48.9161% | 5,334 |
| Total domestic deposits to total assets | 92.6111% | 57 |
| Equity capital to assets | 7.2786% | 5,761 |
| Core capital (leverage) ratio | 7.6501% | 5,714 |
| Tier 1 risk-based capital ratio | 12.6497% | 4,289 |
| Total risk-based capital ratio | 13.3268% | 4,557 |
| Memoranda: | ||
| Average total assets | $161,342,400 | 3,382 |
| Average earning assets | $149,078,600 | 3,382 |
| Average equity | $12,409,600 | 4,187 |
| Average total loans | $69,456,000 | 4,057 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2407% | 5,301 |
| Cost of funding earning assets | 0.1278% | 5,631 |
| Net interest margin | 3.1129% | 4,739 |
| Noninterest income to average assets | 0.1648% | 5,444 |
| Noninterest expense to average assets | 2.6499% | 3,499 |
| Loan and lease loss provision to assets | 0.0618% | 2,996 |
| Net operating income to assets | 0.3222% | 5,239 |
| Return on assets (ROA) | 0.3452% | 5,258 |
| Pretax return on assets | 0.3452% | 5,384 |
| Return on Equity (ROE) | 4.4301% | 4,746 |
| Retained earnings to average equity (ytd only) | 4.4301% | 3,178 |
| Net charge-offs to loans | -0.0019% | 4,494 |
| Credit loss provision to net charge-offs | -7,500.0000% | 5,434 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.3438% | 714 |
| Assets per employee ($millions) | 5.8979% | 1,515 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8825% | 4,922 |
| Loan loss allowance to noncurrent loans | 73.1651% | 4,196 |
| Noncurrent assets plus other real estate owned to assets | 0.5570% | 3,236 |
| Noncurrent loans to loans | 1.2062% | 1,858 |
| Net loans and leases to total assets | 44.9976% | 5,143 |
| Net loans and leases to deposits | 49.1859% | 5,338 |
| Net loans and leases to core deposits | 50.3372% | 5,373 |
| Total domestic deposits to total assets | 91.4847% | 119 |
| Equity capital to assets | 8.3740% | 5,594 |
| Core capital (leverage) ratio | 7.4412% | 5,834 |
| Tier 1 risk-based capital ratio | 12.4447% | 4,509 |
| Total risk-based capital ratio | 13.1069% | 4,776 |
| Memoranda: | ||
| Average total assets | $161,811,000 | 3,396 |
| Average earning assets | $149,140,000 | 3,398 |
| Average equity | $12,610,250 | 4,194 |
| Average total loans | $68,971,750 | 4,097 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3113% | 5,270 |
| Cost of funding earning assets | 0.1304% | 5,686 |
| Net interest margin | 3.1809% | 4,607 |
| Noninterest income to average assets | 0.1648% | 5,498 |
| Noninterest expense to average assets | 2.6434% | 3,561 |
| Loan and lease loss provision to assets | 0.0922% | 2,307 |
| Net operating income to assets | 0.3381% | 5,215 |
| Return on assets (ROA) | 0.3381% | 5,301 |
| Pretax return on assets | 0.3381% | 5,440 |
| Return on Equity (ROE) | 4.4467% | 4,737 |
| Retained earnings to average equity (ytd only) | 4.4467% | 3,085 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.0000% | 883 |
| Assets per employee ($millions) | 5.6383% | 1,669 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9414% | 4,800 |
| Loan loss allowance to noncurrent loans | 505.5556% | 1,052 |
| Noncurrent assets plus other real estate owned to assets | 0.6348% | 3,096 |
| Noncurrent loans to loans | 0.1862% | 4,687 |
| Net loans and leases to total assets | 40.9921% | 5,379 |
| Net loans and leases to deposits | 44.8512% | 5,537 |
| Net loans and leases to core deposits | 46.0901% | 5,563 |
| Total domestic deposits to total assets | 91.3957% | 130 |
| Equity capital to assets | 8.1798% | 5,741 |
| Core capital (leverage) ratio | 7.2115% | 5,923 |
| Tier 1 risk-based capital ratio | 12.5583% | 4,474 |
| Total risk-based capital ratio | 13.2337% | 4,751 |
| Memoranda: | ||
| Average total assets | $162,667,330 | 3,406 |
| Average earning assets | $148,763,330 | 3,421 |
| Average equity | $12,368,670 | 4,255 |
| Average total loans | $67,864,670 | 4,155 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2396% | 5,428 |
| Cost of funding earning assets | 0.1318% | 5,742 |
| Net interest margin | 3.1078% | 4,837 |
| Noninterest income to average assets | 0.1652% | 5,502 |
| Noninterest expense to average assets | 2.6676% | 3,528 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.3452% | 5,163 |
| Return on assets (ROA) | 0.3452% | 5,251 |
| Pretax return on assets | 0.3452% | 5,414 |
| Return on Equity (ROE) | 4.7196% | 4,616 |
| Retained earnings to average equity (ytd only) | 4.7196% | 3,106 |
| Net charge-offs to loans | -0.4120% | 5,969 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.5434% | 772 |
| Assets per employee ($millions) | 5.6601% | 1,699 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9264% | 4,966 |
| Loan loss allowance to noncurrent loans | 274.7826% | 1,732 |
| Noncurrent assets plus other real estate owned to assets | 0.7091% | 2,939 |
| Noncurrent loans to loans | 0.3371% | 4,229 |
| Net loans and leases to total assets | 41.1754% | 5,391 |
| Net loans and leases to deposits | 44.7555% | 5,562 |
| Net loans and leases to core deposits | 45.9725% | 5,588 |
| Total domestic deposits to total assets | 92.0009% | 110 |
| Equity capital to assets | 7.5811% | 5,933 |
| Core capital (leverage) ratio | 7.0537% | 5,994 |
| Tier 1 risk-based capital ratio | 12.0709% | 4,871 |
| Total risk-based capital ratio | 12.7395% | 5,146 |
| Memoranda: | ||
| Average total assets | $162,245,000 | 3,423 |
| Average earning assets | $148,659,000 | 3,441 |
| Average equity | $11,865,500 | 4,349 |
| Average total loans | $67,965,000 | 4,163 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2117% | 5,506 |
| Cost of funding earning assets | 0.1503% | 5,679 |
| Net interest margin | 3.0613% | 5,004 |
| Noninterest income to average assets | 0.2139% | 5,312 |
| Noninterest expense to average assets | 2.9109% | 2,825 |
| Loan and lease loss provision to assets | 0.0816% | 2,661 |
| Net operating income to assets | 0.0063% | 5,864 |
| Return on assets (ROA) | 0.0100% | 5,889 |
| Pretax return on assets | 0.0100% | 5,883 |
| Return on Equity (ROE) | 0.1358% | 5,881 |
| Retained earnings to average equity (ytd only) | 0.1358% | 5,451 |
| Net charge-offs to loans | 0.5924% | 409 |
| Credit loss provision to net charge-offs | 31.7073% | 3,627 |
| Earnings coverage of net charge-offs (x) | 0.3415% | 4,237 |
| Efficiency ratio | 97.0711% | 366 |
| Assets per employee ($millions) | 5.5292% | 1,768 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9996% | 4,625 |
| Loan loss allowance to noncurrent loans | 192.6136% | 2,321 |
| Noncurrent assets plus other real estate owned to assets | 0.8076% | 2,650 |
| Noncurrent loans to loans | 0.5190% | 3,616 |
| Net loans and leases to total assets | 41.8776% | 5,415 |
| Net loans and leases to deposits | 45.2487% | 5,603 |
| Net loans and leases to core deposits | 46.4998% | 5,626 |
| Total domestic deposits to total assets | 92.5499% | 66 |
| Equity capital to assets | 7.0392% | 6,053 |
| Core capital (leverage) ratio | 7.0028% | 6,050 |
| Tier 1 risk-based capital ratio | 12.1267% | 4,869 |
| Total risk-based capital ratio | 12.8561% | 5,096 |
| Memoranda: | ||
| Average total assets | $159,402,600 | 3,439 |
| Average earning assets | $145,002,400 | 3,471 |
| Average equity | $11,785,000 | 4,344 |
| Average total loans | $69,209,400 | 4,114 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2019% | 5,581 |
| Cost of funding earning assets | 0.1551% | 5,744 |
| Net interest margin | 3.0468% | 5,082 |
| Noninterest income to average assets | 0.1675% | 5,641 |
| Noninterest expense to average assets | 2.7853% | 3,249 |
| Loan and lease loss provision to assets | 0.0335% | 3,556 |
| Net operating income to assets | 0.1131% | 5,829 |
| Return on assets (ROA) | 0.1181% | 5,863 |
| Pretax return on assets | 0.1181% | 5,878 |
| Return on Equity (ROE) | 1.5786% | 5,758 |
| Retained earnings to average equity (ytd only) | 1.5786% | 5,077 |
| Net charge-offs to loans | 0.7936% | 255 |
| Credit loss provision to net charge-offs | 9.6618% | 3,453 |
| Earnings coverage of net charge-offs (x) | 0.4227% | 3,952 |
| Efficiency ratio | 95.0000% | 453 |
| Assets per employee ($millions) | 5.4894% | 1,795 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8513% | 5,366 |
| Loan loss allowance to noncurrent loans | 165.2542% | 2,621 |
| Noncurrent assets plus other real estate owned to assets | 1.3192% | 1,775 |
| Noncurrent loans to loans | 0.5152% | 3,807 |
| Net loans and leases to total assets | 42.7977% | 5,440 |
| Net loans and leases to deposits | 46.5347% | 5,630 |
| Net loans and leases to core deposits | 48.0063% | 5,654 |
| Total domestic deposits to total assets | 91.9695% | 100 |
| Equity capital to assets | 7.6768% | 6,044 |
| Core capital (leverage) ratio | 7.0793% | 6,117 |
| Tier 1 risk-based capital ratio | 12.4339% | 4,804 |
| Total risk-based capital ratio | 13.0721% | 5,110 |
| Memoranda: | ||
| Average total assets | $159,166,750 | 3,469 |
| Average earning assets | $144,410,000 | 3,517 |
| Average equity | $11,909,500 | 4,372 |
| Average total loans | $69,555,000 | 4,141 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1541% | 5,680 |
| Cost of funding earning assets | 0.1603% | 5,774 |
| Net interest margin | 2.9938% | 5,238 |
| Noninterest income to average assets | 0.1659% | 5,705 |
| Noninterest expense to average assets | 2.6728% | 3,679 |
| Loan and lease loss provision to assets | 0.0314% | 3,493 |
| Net operating income to assets | 0.1608% | 5,791 |
| Return on assets (ROA) | 0.1608% | 5,838 |
| Pretax return on assets | 0.1608% | 5,868 |
| Return on Equity (ROE) | 2.1684% | 5,641 |
| Retained earnings to average equity (ytd only) | 2.1684% | 4,624 |
| Net charge-offs to loans | 0.3150% | 840 |
| Credit loss provision to net charge-offs | 22.7273% | 2,989 |
| Earnings coverage of net charge-offs (x) | 1.3909% | 3,523 |
| Efficiency ratio | 93.2895% | 553 |
| Assets per employee ($millions) | 5.7661% | 1,522 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2529% | 3,492 |
| Loan loss allowance to noncurrent loans | 293.2886% | 1,646 |
| Noncurrent assets plus other real estate owned to assets | 1.3676% | 1,832 |
| Noncurrent loans to loans | 0.4272% | 4,196 |
| Net loans and leases to total assets | 42.6646% | 5,458 |
| Net loans and leases to deposits | 46.0869% | 5,669 |
| Net loans and leases to core deposits | 47.5120% | 5,707 |
| Total domestic deposits to total assets | 92.5742% | 75 |
| Equity capital to assets | 7.0901% | 6,179 |
| Core capital (leverage) ratio | 7.0433% | 6,183 |
| Tier 1 risk-based capital ratio | 12.2646% | 4,960 |
| Total risk-based capital ratio | 13.2063% | 5,081 |
| Memoranda: | ||
| Average total assets | $159,158,000 | 3,501 |
| Average earning assets | $143,497,670 | 3,547 |
| Average equity | $11,805,670 | 4,413 |
| Average total loans | $69,834,670 | 4,163 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1860% | 5,670 |
| Cost of funding earning assets | 0.1641% | 5,819 |
| Net interest margin | 3.0219% | 5,151 |
| Noninterest income to average assets | 0.1671% | 5,727 |
| Noninterest expense to average assets | 2.7213% | 3,512 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.1494% | 5,791 |
| Return on assets (ROA) | 0.1494% | 5,862 |
| Pretax return on assets | 0.1494% | 5,897 |
| Return on Equity (ROE) | 1.9691% | 5,698 |
| Retained earnings to average equity (ytd only) | 1.9691% | 4,689 |
| Net charge-offs to loans | 0.6755% | 361 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 0.5000% | 3,043 |
| Efficiency ratio | 94.7972% | 554 |
| Assets per employee ($millions) | 5.7545% | 1,585 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2265% | 3,804 |
| Loan loss allowance to noncurrent loans | 316.1654% | 1,513 |
| Noncurrent assets plus other real estate owned to assets | 1.3505% | 1,971 |
| Noncurrent loans to loans | 0.3879% | 4,428 |
| Net loans and leases to total assets | 42.0345% | 5,483 |
| Net loans and leases to deposits | 45.6398% | 5,668 |
| Net loans and leases to core deposits | 47.1949% | 5,708 |
| Total domestic deposits to total assets | 92.1006% | 136 |
| Equity capital to assets | 7.5642% | 6,158 |
| Core capital (leverage) ratio | 7.1845% | 6,215 |
| Tier 1 risk-based capital ratio | 14.2727% | 3,841 |
| Total risk-based capital ratio | 15.3337% | 3,881 |
| Memoranda: | ||
| Average total assets | $158,012,000 | 3,539 |
| Average earning assets | $141,368,000 | 3,600 |
| Average equity | $11,985,000 | 4,414 |
| Average total loans | $69,874,000 | 4,183 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1758% | 5,864 |
| Cost of funding earning assets | 0.1869% | 5,860 |
| Net interest margin | 2.9890% | 5,470 |
| Noninterest income to average assets | 0.1727% | 5,822 |
| Noninterest expense to average assets | 2.8700% | 3,241 |
| Loan and lease loss provision to assets | 0.2399% | 987 |
| Net operating income to assets | -0.2661% | 6,228 |
| Return on assets (ROA) | -0.2073% | 6,209 |
| Pretax return on assets | -0.2073% | 6,197 |
| Return on Equity (ROE) | -2.7709% | 6,237 |
| Retained earnings to average equity (ytd only) | -2.7709% | 6,070 |
| Net charge-offs to loans | 0.2826% | 1,535 |
| Credit loss provision to net charge-offs | 190.3553% | 1,298 |
| Earnings coverage of net charge-offs (x) | -0.2081% | 4,734 |
| Efficiency ratio | 100.9224% | 345 |
| Assets per employee ($millions) | 5.3413% | 1,908 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3459% | 3,193 |
| Loan loss allowance to noncurrent loans | 155.2674% | 2,736 |
| Noncurrent assets plus other real estate owned to assets | 1.4836% | 1,849 |
| Noncurrent loans to loans | 0.8668% | 3,151 |
| Net loans and leases to total assets | 45.3334% | 5,382 |
| Net loans and leases to deposits | 49.2330% | 5,619 |
| Net loans and leases to core deposits | 50.7891% | 5,680 |
| Total domestic deposits to total assets | 92.0793% | 139 |
| Equity capital to assets | 7.6063% | 6,203 |
| Core capital (leverage) ratio | 7.1033% | 6,295 |
| Tier 1 risk-based capital ratio | 12.0463% | 5,329 |
| Total risk-based capital ratio | 13.0717% | 5,389 |
| Memoranda: | ||
| Average total assets | $156,306,400 | 3,548 |
| Average earning assets | $139,679,400 | 3,611 |
| Average equity | $11,693,000 | 4,421 |
| Average total loans | $69,702,600 | 4,192 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1585% | 5,948 |
| Cost of funding earning assets | 0.1929% | 5,886 |
| Net interest margin | 2.9656% | 5,569 |
| Noninterest income to average assets | 0.1634% | 5,938 |
| Noninterest expense to average assets | 2.6213% | 4,123 |
| Loan and lease loss provision to assets | 0.1064% | 2,264 |
| Net operating income to assets | 0.0655% | 6,065 |
| Return on assets (ROA) | 0.0655% | 6,096 |
| Pretax return on assets | 0.0655% | 6,101 |
| Return on Equity (ROE) | 0.8796% | 6,049 |
| Retained earnings to average equity (ytd only) | 0.8796% | 5,531 |
| Net charge-offs to loans | 0.0308% | 3,869 |
| Credit loss provision to net charge-offs | 781.2500% | 399 |
| Earnings coverage of net charge-offs (x) | 12.6268% | 2,299 |
| Efficiency ratio | 93.8452% | 605 |
| Assets per employee ($millions) | 5.4547% | 1,766 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2930% | 3,679 |
| Loan loss allowance to noncurrent loans | 134.9544% | 2,965 |
| Noncurrent assets plus other real estate owned to assets | 1.6367% | 1,849 |
| Noncurrent loans to loans | 0.9581% | 3,167 |
| Net loans and leases to total assets | 42.8540% | 5,608 |
| Net loans and leases to deposits | 46.6385% | 5,836 |
| Net loans and leases to core deposits | 47.8763% | 5,889 |
| Total domestic deposits to total assets | 91.8855% | 170 |
| Equity capital to assets | 7.6164% | 6,281 |
| Core capital (leverage) ratio | 7.3083% | 6,331 |
| Tier 1 risk-based capital ratio | 12.7017% | 5,041 |
| Total risk-based capital ratio | 13.6694% | 5,143 |
| Memoranda: | ||
| Average total assets | $156,658,750 | 3,568 |
| Average earning assets | $138,921,250 | 3,648 |
| Average equity | $11,670,750 | 4,454 |
| Average total loans | $69,333,750 | 4,237 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1993% | 5,956 |
| Cost of funding earning assets | 0.1983% | 5,931 |
| Net interest margin | 3.0010% | 5,519 |
| Noninterest income to average assets | 0.1614% | 5,987 |
| Noninterest expense to average assets | 2.6462% | 4,071 |
| Loan and lease loss provision to assets | 0.0256% | 3,763 |
| Net operating income to assets | 0.1255% | 5,996 |
| Return on assets (ROA) | 0.1255% | 6,035 |
| Pretax return on assets | 0.1255% | 6,061 |
| Return on Equity (ROE) | 1.6977% | 5,912 |
| Retained earnings to average equity (ytd only) | 1.6977% | 5,058 |
| Net charge-offs to loans | -0.0086% | 5,293 |
| Credit loss provision to net charge-offs | -666.6667% | 5,641 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.5971% | 613 |
| Assets per employee ($millions) | 5.4668% | 1,727 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1531% | 4,649 |
| Loan loss allowance to noncurrent loans | 229.7994% | 1,903 |
| Noncurrent assets plus other real estate owned to assets | 1.4381% | 2,265 |
| Noncurrent loans to loans | 0.5018% | 4,489 |
| Net loans and leases to total assets | 43.3663% | 5,575 |
| Net loans and leases to deposits | 47.2198% | 5,816 |
| Net loans and leases to core deposits | 48.4691% | 5,881 |
| Total domestic deposits to total assets | 91.8392% | 195 |
| Equity capital to assets | 7.6915% | 6,300 |
| Core capital (leverage) ratio | 7.4062% | 6,341 |
| Tier 1 risk-based capital ratio | 12.7267% | 5,074 |
| Total risk-based capital ratio | 13.6008% | 5,250 |
| Memoranda: | ||
| Average total assets | $156,149,670 | 3,590 |
| Average earning assets | $137,154,000 | 3,688 |
| Average equity | $11,545,000 | 4,488 |
| Average total loans | $69,552,670 | 4,251 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1942% | 6,015 |
| Cost of funding earning assets | 0.2033% | 5,966 |
| Net interest margin | 2.9908% | 5,549 |
| Noninterest income to average assets | 0.1549% | 6,042 |
| Noninterest expense to average assets | 2.7130% | 3,894 |
| Loan and lease loss provision to assets | 0.0516% | 3,065 |
| Net operating income to assets | 0.0103% | 6,196 |
| Return on assets (ROA) | 0.0103% | 6,215 |
| Pretax return on assets | 0.0103% | 6,205 |
| Return on Equity (ROE) | 0.1426% | 6,208 |
| Retained earnings to average equity (ytd only) | 0.1426% | 5,504 |
| Net charge-offs to loans | -0.0115% | 5,108 |
| Credit loss provision to net charge-offs | -1,000.0000% | 5,328 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.7674% | 555 |
| Assets per employee ($millions) | 5.4196% | 1,782 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1529% | 4,854 |
| Loan loss allowance to noncurrent loans | 755.6604% | 667 |
| Noncurrent assets plus other real estate owned to assets | 1.2961% | 2,701 |
| Noncurrent loans to loans | 0.1526% | 5,626 |
| Net loans and leases to total assets | 43.6946% | 5,541 |
| Net loans and leases to deposits | 47.3996% | 5,769 |
| Net loans and leases to core deposits | 48.7804% | 5,836 |
| Total domestic deposits to total assets | 92.1835% | 208 |
| Equity capital to assets | 7.3476% | 6,362 |
| Core capital (leverage) ratio | 7.5453% | 6,320 |
| Tier 1 risk-based capital ratio | 12.8655% | 5,087 |
| Total risk-based capital ratio | 13.7552% | 5,248 |
| Memoranda: | ||
| Average total assets | $154,955,500 | 3,635 |
| Average earning assets | $135,747,500 | 3,735 |
| Average equity | $11,220,500 | 4,567 |
| Average total loans | $69,552,000 | 4,273 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9853% | 6,357 |
| Cost of funding earning assets | 0.2691% | 5,838 |
| Net interest margin | 2.7161% | 6,118 |
| Noninterest income to average assets | 0.3896% | 4,519 |
| Noninterest expense to average assets | 3.1128% | 2,692 |
| Loan and lease loss provision to assets | 0.1109% | 2,958 |
| Net operating income to assets | -0.4232% | 6,464 |
| Return on assets (ROA) | -0.4232% | 6,474 |
| Pretax return on assets | -0.4232% | 6,461 |
| Return on Equity (ROE) | -5.4786% | 6,496 |
| Retained earnings to average equity (ytd only) | -5.4786% | 6,394 |
| Net charge-offs to loans | 0.3590% | 1,882 |
| Credit loss provision to net charge-offs | 68.0934% | 3,355 |
| Earnings coverage of net charge-offs (x) | -1.9183% | 5,321 |
| Efficiency ratio | 111.1538% | 252 |
| Assets per employee ($millions) | 5.2670% | 1,887 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1202% | 5,051 |
| Loan loss allowance to noncurrent loans | 722.2222% | 689 |
| Noncurrent assets plus other real estate owned to assets | 1.3349% | 2,752 |
| Noncurrent loans to loans | 0.1551% | 5,727 |
| Net loans and leases to total assets | 45.0751% | 5,576 |
| Net loans and leases to deposits | 48.7789% | 5,844 |
| Net loans and leases to core deposits | 50.8306% | 5,884 |
| Total domestic deposits to total assets | 92.4069% | 213 |
| Equity capital to assets | 7.1316% | 6,422 |
| Core capital (leverage) ratio | 7.3670% | 6,421 |
| Tier 1 risk-based capital ratio | 13.3048% | 4,784 |
| Total risk-based capital ratio | 14.2012% | 4,968 |
| Memoranda: | ||
| Average total assets | $157,834,200 | 3,589 |
| Average earning assets | $140,088,400 | 3,664 |
| Average equity | $12,192,800 | 4,410 |
| Average total loans | $71,590,400 | 4,203 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9479% | 6,468 |
| Cost of funding earning assets | 0.2835% | 5,862 |
| Net interest margin | 2.6644% | 6,227 |
| Noninterest income to average assets | 0.4291% | 4,305 |
| Noninterest expense to average assets | 2.8073% | 3,636 |
| Loan and lease loss provision to assets | 0.1257% | 2,723 |
| Net operating income to assets | -0.1492% | 6,432 |
| Return on assets (ROA) | -0.1492% | 6,461 |
| Pretax return on assets | -0.1492% | 6,440 |
| Return on Equity (ROE) | -1.8959% | 6,478 |
| Retained earnings to average equity (ytd only) | -1.8959% | 6,254 |
| Net charge-offs to loans | 0.4754% | 1,355 |
| Credit loss provision to net charge-offs | 58.3658% | 3,333 |
| Earnings coverage of net charge-offs (x) | -0.1089% | 4,886 |
| Efficiency ratio | 100.8429% | 437 |
| Assets per employee ($millions) | 5.4342% | 1,694 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1170% | 5,265 |
| Loan loss allowance to noncurrent loans | 674.1071% | 690 |
| Noncurrent assets plus other real estate owned to assets | 1.4912% | 2,697 |
| Noncurrent loans to loans | 0.1657% | 5,823 |
| Net loans and leases to total assets | 42.4101% | 5,867 |
| Net loans and leases to deposits | 45.9435% | 6,102 |
| Net loans and leases to core deposits | 47.9001% | 6,129 |
| Total domestic deposits to total assets | 92.3093% | 204 |
| Equity capital to assets | 7.4255% | 6,415 |
| Core capital (leverage) ratio | 7.6362% | 6,390 |
| Tier 1 risk-based capital ratio | 13.4683% | 4,779 |
| Total risk-based capital ratio | 14.3109% | 5,036 |
| Memoranda: | ||
| Average total assets | $159,107,000 | 3,604 |
| Average earning assets | $140,616,250 | 3,693 |
| Average equity | $12,517,750 | 4,392 |
| Average total loans | $72,080,750 | 4,223 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9102% | 6,526 |
| Cost of funding earning assets | 0.2957% | 5,860 |
| Net interest margin | 2.6145% | 6,320 |
| Noninterest income to average assets | 0.5325% | 3,622 |
| Noninterest expense to average assets | 2.8168% | 3,619 |
| Loan and lease loss provision to assets | 0.1880% | 2,011 |
| Net operating income to assets | -0.1566% | 6,460 |
| Return on assets (ROA) | -0.1566% | 6,497 |
| Pretax return on assets | -0.1566% | 6,466 |
| Return on Equity (ROE) | -1.9547% | 6,525 |
| Retained earnings to average equity (ytd only) | -1.9547% | 6,189 |
| Net charge-offs to loans | 0.5899% | 1,120 |
| Credit loss provision to net charge-offs | 69.1244% | 2,842 |
| Earnings coverage of net charge-offs (x) | 0.1152% | 4,505 |
| Efficiency ratio | 98.9001% | 530 |
| Assets per employee ($millions) | 5.4805% | 1,609 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1209% | 5,359 |
| Loan loss allowance to noncurrent loans | 685.3448% | 654 |
| Noncurrent assets plus other real estate owned to assets | 1.4811% | 2,882 |
| Noncurrent loans to loans | 0.1636% | 5,918 |
| Net loans and leases to total assets | 44.1243% | 5,731 |
| Net loans and leases to deposits | 47.7533% | 5,997 |
| Net loans and leases to core deposits | 49.7648% | 6,034 |
| Total domestic deposits to total assets | 92.4007% | 199 |
| Equity capital to assets | 7.3999% | 6,474 |
| Core capital (leverage) ratio | 7.5151% | 6,446 |
| Tier 1 risk-based capital ratio | 13.0840% | 5,083 |
| Total risk-based capital ratio | 13.9421% | 5,301 |
| Memoranda: | ||
| Average total assets | $159,612,000 | 3,617 |
| Average earning assets | $141,365,000 | 3,706 |
| Average equity | $12,789,670 | 4,376 |
| Average total loans | $73,577,670 | 4,188 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9331% | 6,578 |
| Cost of funding earning assets | 0.3211% | 5,801 |
| Net interest margin | 2.6120% | 6,353 |
| Noninterest income to average assets | 0.8678% | 1,876 |
| Noninterest expense to average assets | 2.9609% | 3,111 |
| Loan and lease loss provision to assets | 0.3751% | 851 |
| Net operating income to assets | -0.1901% | 6,512 |
| Return on assets (ROA) | -0.1901% | 6,552 |
| Pretax return on assets | -0.1901% | 6,544 |
| Return on Equity (ROE) | -2.2850% | 6,573 |
| Retained earnings to average equity (ytd only) | -2.2850% | 6,110 |
| Net charge-offs to loans | 0.2029% | 2,203 |
| Credit loss provision to net charge-offs | 394.7368% | 643 |
| Earnings coverage of net charge-offs (x) | 1.9474% | 3,189 |
| Efficiency ratio | 94.1176% | 831 |
| Assets per employee ($millions) | 5.5488% | 1,627 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3179% | 4,604 |
| Loan loss allowance to noncurrent loans | 76.4706% | 4,072 |
| Noncurrent assets plus other real estate owned to assets | 1.9153% | 2,457 |
| Noncurrent loans to loans | 1.7233% | 2,961 |
| Net loans and leases to total assets | 45.3712% | 5,504 |
| Net loans and leases to deposits | 49.5541% | 5,818 |
| Net loans and leases to core deposits | 51.8526% | 5,835 |
| Total domestic deposits to total assets | 91.5589% | 338 |
| Equity capital to assets | 8.2118% | 6,238 |
| Core capital (leverage) ratio | 7.6666% | 6,377 |
| Tier 1 risk-based capital ratio | 12.9197% | 5,289 |
| Total risk-based capital ratio | 13.9548% | 5,377 |
| Memoranda: | ||
| Average total assets | $159,950,500 | 3,649 |
| Average earning assets | $139,510,000 | 3,773 |
| Average equity | $13,304,000 | 4,330 |
| Average total loans | $74,904,500 | 4,170 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1509% | 6,688 |
| Cost of funding earning assets | 0.3838% | 6,024 |
| Net interest margin | 2.7671% | 6,427 |
| Noninterest income to average assets | 0.2455% | 5,699 |
| Noninterest expense to average assets | 2.6336% | 4,629 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.1364% | 5,923 |
| Return on assets (ROA) | 0.1364% | 6,079 |
| Pretax return on assets | 0.1364% | 6,090 |
| Return on Equity (ROE) | 1.6388% | 5,991 |
| Retained earnings to average equity (ytd only) | 1.6388% | 5,044 |
| Net charge-offs to loans | 1.1879% | 852 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 0.2291% | 5,363 |
| Efficiency ratio | 95.0742% | 747 |
| Assets per employee ($millions) | 5.4823% | 1,698 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1368% | 5,400 |
| Loan loss allowance to noncurrent loans | 70.7718% | 4,231 |
| Noncurrent assets plus other real estate owned to assets | 2.6254% | 1,854 |
| Noncurrent loans to loans | 1.6063% | 3,215 |
| Net loans and leases to total assets | 47.1507% | 5,499 |
| Net loans and leases to deposits | 51.7482% | 5,823 |
| Net loans and leases to core deposits | 53.9943% | 5,872 |
| Total domestic deposits to total assets | 91.1156% | 455 |
| Equity capital to assets | 8.4246% | 6,106 |
| Core capital (leverage) ratio | 7.6839% | 6,416 |
| Tier 1 risk-based capital ratio | 12.7580% | 5,288 |
| Total risk-based capital ratio | 13.6560% | 5,487 |
| Memoranda: | ||
| Average total assets | $160,503,400 | 3,617 |
| Average earning assets | $146,435,000 | 3,617 |
| Average equity | $13,363,800 | 4,281 |
| Average total loans | $80,475,800 | 4,026 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1768% | 6,809 |
| Cost of funding earning assets | 0.3907% | 6,168 |
| Net interest margin | 2.7861% | 6,522 |
| Noninterest income to average assets | 0.2553% | 5,740 |
| Noninterest expense to average assets | 2.6470% | 4,578 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.1848% | 5,955 |
| Return on assets (ROA) | 0.1848% | 6,113 |
| Pretax return on assets | 0.1848% | 6,150 |
| Return on Equity (ROE) | 2.2261% | 5,965 |
| Retained earnings to average equity (ytd only) | 2.2261% | 5,226 |
| Net charge-offs to loans | 0.8231% | 1,329 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 0.4425% | 5,099 |
| Efficiency ratio | 93.4738% | 810 |
| Assets per employee ($millions) | 5.4512% | 1,687 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6694% | 3,259 |
| Loan loss allowance to noncurrent loans | 74.1117% | 4,059 |
| Noncurrent assets plus other real estate owned to assets | 2.6087% | 2,020 |
| Noncurrent loans to loans | 2.2526% | 2,553 |
| Net loans and leases to total assets | 48.9581% | 5,437 |
| Net loans and leases to deposits | 54.0389% | 5,808 |
| Net loans and leases to core deposits | 56.3762% | 5,864 |
| Total domestic deposits to total assets | 90.5980% | 559 |
| Equity capital to assets | 8.5809% | 6,188 |
| Core capital (leverage) ratio | 7.5390% | 6,598 |
| Tier 1 risk-based capital ratio | 12.6942% | 5,485 |
| Total risk-based capital ratio | 13.8714% | 5,505 |
| Memoranda: | ||
| Average total assets | $160,882,750 | 3,639 |
| Average earning assets | $148,784,500 | 3,612 |
| Average equity | $13,356,250 | 4,328 |
| Average total loans | $81,638,500 | 4,033 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2960% | 6,815 |
| Cost of funding earning assets | 0.3991% | 6,269 |
| Net interest margin | 2.8969% | 6,433 |
| Noninterest income to average assets | 0.2064% | 6,084 |
| Noninterest expense to average assets | 2.6512% | 4,601 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.2200% | 5,858 |
| Return on assets (ROA) | 0.2200% | 6,043 |
| Pretax return on assets | 0.2200% | 6,121 |
| Return on Equity (ROE) | 2.6794% | 5,817 |
| Retained earnings to average equity (ytd only) | 2.6794% | 4,839 |
| Net charge-offs to loans | 0.7698% | 1,430 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 0.5597% | 4,789 |
| Efficiency ratio | 92.3375% | 909 |
| Assets per employee ($millions) | 5.4601% | 1,650 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8511% | 2,697 |
| Loan loss allowance to noncurrent loans | 79.7448% | 3,804 |
| Noncurrent assets plus other real estate owned to assets | 2.0097% | 2,766 |
| Noncurrent loans to loans | 2.3213% | 2,576 |
| Net loans and leases to total assets | 48.5528% | 5,557 |
| Net loans and leases to deposits | 52.9617% | 5,957 |
| Net loans and leases to core deposits | 54.8864% | 6,030 |
| Total domestic deposits to total assets | 91.6754% | 284 |
| Equity capital to assets | 8.1574% | 6,484 |
| Core capital (leverage) ratio | 7.4063% | 6,662 |
| Tier 1 risk-based capital ratio | 12.3444% | 5,686 |
| Total risk-based capital ratio | 13.5186% | 5,723 |
| Memoranda: | ||
| Average total assets | $161,815,670 | 3,629 |
| Average earning assets | $148,847,670 | 3,622 |
| Average equity | $13,286,670 | 4,341 |
| Average total loans | $82,615,000 | 4,022 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3927% | 6,816 |
| Cost of funding earning assets | 0.4183% | 6,324 |
| Net interest margin | 2.9744% | 6,348 |
| Noninterest income to average assets | 0.2114% | 6,108 |
| Noninterest expense to average assets | 2.6812% | 4,498 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.2537% | 5,804 |
| Return on assets (ROA) | 0.2537% | 5,958 |
| Pretax return on assets | 0.2537% | 6,075 |
| Return on Equity (ROE) | 3.0795% | 5,687 |
| Retained earnings to average equity (ytd only) | 3.0795% | 4,711 |
| Net charge-offs to loans | 1.3812% | 732 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 0.3542% | 4,184 |
| Efficiency ratio | 91.3559% | 989 |
| Assets per employee ($millions) | 5.4075% | 1,777 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8786% | 2,744 |
| Loan loss allowance to noncurrent loans | 47.1367% | 5,246 |
| Noncurrent assets plus other real estate owned to assets | 2.7301% | 2,160 |
| Noncurrent loans to loans | 3.9854% | 1,539 |
| Net loans and leases to total assets | 49.2936% | 5,393 |
| Net loans and leases to deposits | 53.8002% | 5,826 |
| Net loans and leases to core deposits | 55.6195% | 5,937 |
| Total domestic deposits to total assets | 91.6234% | 340 |
| Equity capital to assets | 8.1818% | 6,375 |
| Core capital (leverage) ratio | 7.5018% | 6,632 |
| Tier 1 risk-based capital ratio | 12.3808% | 5,696 |
| Total risk-based capital ratio | 13.5547% | 5,712 |
| Memoranda: | ||
| Average total assets | $160,822,000 | 3,669 |
| Average earning assets | $147,257,500 | 3,676 |
| Average equity | $13,249,000 | 4,361 |
| Average total loans | $83,407,000 | 4,027 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5048% | 6,991 |
| Cost of funding earning assets | 0.5667% | 6,255 |
| Net interest margin | 2.9380% | 6,631 |
| Noninterest income to average assets | 0.2050% | 6,039 |
| Noninterest expense to average assets | 2.7069% | 4,716 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.2454% | 5,437 |
| Return on assets (ROA) | 0.2454% | 5,582 |
| Pretax return on assets | 0.2454% | 5,680 |
| Return on Equity (ROE) | 3.0237% | 5,277 |
| Retained earnings to average equity (ytd only) | 3.0237% | 4,077 |
| Net charge-offs to loans | 0.5461% | 2,827 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 0.8440% | 5,166 |
| Efficiency ratio | 91.6877% | 1,065 |
| Assets per employee ($millions) | 5.3139% | 1,818 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1309% | 1,928 |
| Loan loss allowance to noncurrent loans | 54.0589% | 4,812 |
| Noncurrent assets plus other real estate owned to assets | 2.1095% | 2,837 |
| Noncurrent loans to loans | 3.9418% | 1,590 |
| Net loans and leases to total assets | 52.3768% | 5,255 |
| Net loans and leases to deposits | 57.2096% | 5,778 |
| Net loans and leases to core deposits | 59.1798% | 5,916 |
| Total domestic deposits to total assets | 91.5524% | 318 |
| Equity capital to assets | 8.2958% | 6,356 |
| Core capital (leverage) ratio | 7.4254% | 6,688 |
| Tier 1 risk-based capital ratio | 11.9170% | 5,885 |
| Total risk-based capital ratio | 13.1833% | 5,848 |
| Memoranda: | ||
| Average total assets | $160,961,600 | 3,617 |
| Average earning assets | $150,508,800 | 3,572 |
| Average equity | $13,063,400 | 4,330 |
| Average total loans | $85,694,400 | 3,973 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5100% | 7,075 |
| Cost of funding earning assets | 0.6013% | 6,280 |
| Net interest margin | 2.9087% | 6,737 |
| Noninterest income to average assets | 0.1909% | 6,226 |
| Noninterest expense to average assets | 2.7261% | 4,632 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.1868% | 5,734 |
| Return on assets (ROA) | 0.1868% | 5,863 |
| Pretax return on assets | 0.1868% | 5,921 |
| Return on Equity (ROE) | 2.3138% | 5,671 |
| Retained earnings to average equity (ytd only) | 2.3138% | 4,960 |
| Net charge-offs to loans | 0.1383% | 4,677 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 2.5394% | 3,861 |
| Efficiency ratio | 93.5887% | 940 |
| Assets per employee ($millions) | 5.4356% | 1,660 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5541% | 1,320 |
| Loan loss allowance to noncurrent loans | 54.0467% | 4,764 |
| Noncurrent assets plus other real estate owned to assets | 2.7074% | 2,396 |
| Noncurrent loans to loans | 4.7258% | 1,361 |
| Net loans and leases to total assets | 51.4016% | 5,526 |
| Net loans and leases to deposits | 57.0041% | 5,937 |
| Net loans and leases to core deposits | 59.1281% | 6,046 |
| Total domestic deposits to total assets | 90.1716% | 778 |
| Equity capital to assets | 8.1505% | 6,599 |
| Core capital (leverage) ratio | 7.2491% | 6,882 |
| Tier 1 risk-based capital ratio | 11.5689% | 6,198 |
| Total risk-based capital ratio | 12.8383% | 6,173 |
| Memoranda: | ||
| Average total assets | $161,347,500 | 3,644 |
| Average earning assets | $150,993,250 | 3,588 |
| Average equity | $13,023,000 | 4,346 |
| Average total loans | $85,789,000 | 4,012 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5353% | 7,141 |
| Cost of funding earning assets | 0.6390% | 6,279 |
| Net interest margin | 2.8963% | 6,797 |
| Noninterest income to average assets | 0.1841% | 6,343 |
| Noninterest expense to average assets | 2.6970% | 4,834 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.1766% | 5,812 |
| Return on assets (ROA) | 0.1766% | 5,911 |
| Pretax return on assets | 0.1766% | 5,971 |
| Return on Equity (ROE) | 2.1958% | 5,724 |
| Retained earnings to average equity (ytd only) | 2.1958% | 4,894 |
| Net charge-offs to loans | -0.0163% | 6,782 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.8528% | 985 |
| Assets per employee ($millions) | 5.3763% | 1,681 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6671% | 1,215 |
| Loan loss allowance to noncurrent loans | 51.2631% | 4,946 |
| Noncurrent assets plus other real estate owned to assets | 3.0665% | 2,190 |
| Noncurrent loans to loans | 5.2028% | 1,241 |
| Net loans and leases to total assets | 51.8817% | 5,581 |
| Net loans and leases to deposits | 56.5945% | 6,082 |
| Net loans and leases to core deposits | 58.8397% | 6,204 |
| Total domestic deposits to total assets | 91.6728% | 303 |
| Equity capital to assets | 8.2039% | 6,510 |
| Core capital (leverage) ratio | 7.2808% | 6,878 |
| Tier 1 risk-based capital ratio | 11.4251% | 6,230 |
| Total risk-based capital ratio | 12.5926% | 6,281 |
| Memoranda: | ||
| Average total assets | $160,773,670 | 3,675 |
| Average earning assets | $149,293,330 | 3,638 |
| Average equity | $12,933,670 | 4,356 |
| Average total loans | $85,713,000 | 4,053 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4902% | 7,212 |
| Cost of funding earning assets | 0.6797% | 6,251 |
| Net interest margin | 2.8105% | 6,888 |
| Noninterest income to average assets | 0.1719% | 6,496 |
| Noninterest expense to average assets | 2.6515% | 5,026 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.1171% | 6,047 |
| Return on assets (ROA) | 0.1171% | 6,103 |
| Pretax return on assets | 0.1171% | 6,130 |
| Return on Equity (ROE) | 1.4705% | 5,990 |
| Retained earnings to average equity (ytd only) | 1.4705% | 5,222 |
| Net charge-offs to loans | -0.0234% | 6,625 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.7696% | 933 |
| Assets per employee ($millions) | 5.4014% | 1,666 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6953% | 1,208 |
| Loan loss allowance to noncurrent loans | 50.5296% | 4,980 |
| Noncurrent assets plus other real estate owned to assets | 3.0980% | 2,226 |
| Noncurrent loans to loans | 5.3341% | 1,233 |
| Net loans and leases to total assets | 51.0192% | 5,712 |
| Net loans and leases to deposits | 55.4734% | 6,179 |
| Net loans and leases to core deposits | 57.9163% | 6,263 |
| Total domestic deposits to total assets | 91.9706% | 298 |
| Equity capital to assets | 7.8924% | 6,603 |
| Core capital (leverage) ratio | 7.2758% | 6,876 |
| Tier 1 risk-based capital ratio | 11.4643% | 6,130 |
| Total risk-based capital ratio | 12.7356% | 6,095 |
| Memoranda: | ||
| Average total assets | $160,515,500 | 3,698 |
| Average earning assets | $148,301,000 | 3,672 |
| Average equity | $12,784,500 | 4,387 |
| Average total loans | $85,583,000 | 4,088 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7496% | 7,279 |
| Cost of funding earning assets | 0.8916% | 6,199 |
| Net interest margin | 2.8580% | 6,963 |
| Noninterest income to average assets | 0.2123% | 6,288 |
| Noninterest expense to average assets | 2.5941% | 5,445 |
| Loan and lease loss provision to assets | 1.1767% | 1,341 |
| Net operating income to assets | -0.8765% | 6,618 |
| Return on assets (ROA) | -0.8765% | 6,643 |
| Pretax return on assets | -0.8765% | 6,561 |
| Return on Equity (ROE) | -9.8453% | 6,722 |
| Retained earnings to average equity (ytd only) | -9.8453% | 6,657 |
| Net charge-offs to loans | 0.4238% | 3,927 |
| Credit loss provision to net charge-offs | 530.4843% | 426 |
| Earnings coverage of net charge-offs (x) | 1.3533% | 4,755 |
| Efficiency ratio | 89.6288% | 1,347 |
| Assets per employee ($millions) | 5.2997% | 1,755 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6507% | 1,226 |
| Loan loss allowance to noncurrent loans | 50.3082% | 4,978 |
| Noncurrent assets plus other real estate owned to assets | 3.1549% | 2,239 |
| Noncurrent loans to loans | 5.2689% | 1,265 |
| Net loans and leases to total assets | 52.7826% | 5,811 |
| Net loans and leases to deposits | 57.4776% | 6,308 |
| Net loans and leases to core deposits | 60.0593% | 6,386 |
| Total domestic deposits to total assets | 91.8316% | 314 |
| Equity capital to assets | 8.0382% | 6,456 |
| Core capital (leverage) ratio | 7.1929% | 6,912 |
| Tier 1 risk-based capital ratio | 11.3275% | 6,063 |
| Total risk-based capital ratio | 12.5965% | 6,038 |
| Memoranda: | ||
| Average total assets | $158,245,200 | 3,731 |
| Average earning assets | $148,497,200 | 3,651 |
| Average equity | $14,088,000 | 4,124 |
| Average total loans | $82,815,600 | 4,251 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7872% | 7,409 |
| Cost of funding earning assets | 0.9336% | 6,260 |
| Net interest margin | 2.8536% | 7,074 |
| Noninterest income to average assets | 0.2058% | 6,429 |
| Noninterest expense to average assets | 2.5635% | 5,455 |
| Loan and lease loss provision to assets | 0.1114% | 5,914 |
| Net operating income to assets | 0.2176% | 5,454 |
| Return on assets (ROA) | 0.2176% | 5,619 |
| Pretax return on assets | 0.2176% | 5,689 |
| Return on Equity (ROE) | 2.3863% | 5,467 |
| Retained earnings to average equity (ytd only) | 2.3863% | 4,743 |
| Net charge-offs to loans | 0.0065% | 6,576 |
| Credit loss provision to net charge-offs | 3,300.0000% | 89 |
| Earnings coverage of net charge-offs (x) | 97.5591% | 315 |
| Efficiency ratio | 88.6264% | 1,397 |
| Assets per employee ($millions) | 5.3592% | 1,753 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0744% | 6,046 |
| Loan loss allowance to noncurrent loans | 18.3371% | 6,967 |
| Noncurrent assets plus other real estate owned to assets | 3.3780% | 2,110 |
| Noncurrent loans to loans | 5.8592% | 1,096 |
| Net loans and leases to total assets | 51.6567% | 6,145 |
| Net loans and leases to deposits | 56.9763% | 6,544 |
| Net loans and leases to core deposits | 59.5348% | 6,640 |
| Total domestic deposits to total assets | 90.6633% | 563 |
| Equity capital to assets | 9.2147% | 5,292 |
| Core capital (leverage) ratio | 8.2832% | 5,904 |
| Tier 1 risk-based capital ratio | 10.0214% | 7,058 |
| Total risk-based capital ratio | 10.7023% | 7,264 |
| Memoranda: | ||
| Average total assets | $158,059,000 | 3,796 |
| Average earning assets | $148,812,250 | 3,706 |
| Average equity | $14,415,000 | 4,107 |
| Average total loans | $81,968,500 | 4,352 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9048% | 7,423 |
| Cost of funding earning assets | 0.9594% | 6,340 |
| Net interest margin | 2.9454% | 6,945 |
| Noninterest income to average assets | 0.1947% | 6,506 |
| Noninterest expense to average assets | 2.6255% | 5,222 |
| Loan and lease loss provision to assets | 0.0624% | 6,327 |
| Net operating income to assets | 0.2965% | 5,195 |
| Return on assets (ROA) | 0.2965% | 5,344 |
| Pretax return on assets | 0.2965% | 5,507 |
| Return on Equity (ROE) | 3.2629% | 5,109 |
| Retained earnings to average equity (ytd only) | 3.2629% | 4,022 |
| Net charge-offs to loans | 0.0123% | 6,173 |
| Credit loss provision to net charge-offs | 980.0000% | 384 |
| Earnings coverage of net charge-offs (x) | 56.4000% | 541 |
| Efficiency ratio | 87.9744% | 1,506 |
| Assets per employee ($millions) | 5.2811% | 1,836 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9818% | 6,477 |
| Loan loss allowance to noncurrent loans | 37.4885% | 5,861 |
| Noncurrent assets plus other real estate owned to assets | 1.6972% | 3,896 |
| Noncurrent loans to loans | 2.6188% | 3,024 |
| Net loans and leases to total assets | 52.0737% | 6,204 |
| Net loans and leases to deposits | 57.4235% | 6,621 |
| Net loans and leases to core deposits | 60.0351% | 6,713 |
| Total domestic deposits to total assets | 90.6838% | 610 |
| Equity capital to assets | 9.1894% | 5,161 |
| Core capital (leverage) ratio | 8.3689% | 5,634 |
| Tier 1 risk-based capital ratio | 10.5151% | 6,675 |
| Total risk-based capital ratio | 11.1642% | 7,046 |
| Memoranda: | ||
| Average total assets | $157,153,670 | 3,841 |
| Average earning assets | $148,843,330 | 3,721 |
| Average equity | $14,281,670 | 4,141 |
| Average total loans | $81,307,000 | 4,406 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9238% | 7,510 |
| Cost of funding earning assets | 1.0005% | 6,374 |
| Net interest margin | 2.9233% | 6,982 |
| Noninterest income to average assets | 0.2121% | 6,446 |
| Noninterest expense to average assets | 2.6170% | 5,280 |
| Loan and lease loss provision to assets | 0.0741% | 5,898 |
| Net operating income to assets | 0.2913% | 5,330 |
| Return on assets (ROA) | 0.2913% | 5,462 |
| Pretax return on assets | 0.2913% | 5,627 |
| Return on Equity (ROE) | 3.2242% | 5,242 |
| Retained earnings to average equity (ytd only) | 3.2242% | 4,216 |
| Net charge-offs to loans | 0.0249% | 5,225 |
| Credit loss provision to net charge-offs | 580.0000% | 750 |
| Earnings coverage of net charge-offs (x) | 28.6000% | 900 |
| Efficiency ratio | 87.7464% | 1,611 |
| Assets per employee ($millions) | 5.2807% | 1,880 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9854% | 6,542 |
| Loan loss allowance to noncurrent loans | 207.2727% | 1,375 |
| Noncurrent assets plus other real estate owned to assets | 0.5637% | 6,095 |
| Noncurrent loans to loans | 0.4754% | 6,347 |
| Net loans and leases to total assets | 50.6164% | 6,412 |
| Net loans and leases to deposits | 55.6738% | 6,798 |
| Net loans and leases to core deposits | 58.2992% | 6,861 |
| Total domestic deposits to total assets | 90.9160% | 577 |
| Equity capital to assets | 8.9527% | 5,348 |
| Core capital (leverage) ratio | 8.4269% | 5,507 |
| Tier 1 risk-based capital ratio | 10.9102% | 6,242 |
| Total risk-based capital ratio | 11.5731% | 6,790 |
| Memoranda: | ||
| Average total assets | $156,514,000 | 3,902 |
| Average earning assets | $148,327,000 | 3,791 |
| Average equity | $14,143,000 | 4,214 |
| Average total loans | $80,300,500 | 4,496 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3207% | 7,545 |
| Cost of funding earning assets | 1.4553% | 5,698 |
| Net interest margin | 2.8654% | 6,929 |
| Noninterest income to average assets | 0.2089% | 6,609 |
| Noninterest expense to average assets | 2.6542% | 5,579 |
| Loan and lease loss provision to assets | 0.2258% | 5,561 |
| Net operating income to assets | 0.0081% | 5,462 |
| Return on assets (ROA) | 0.0081% | 5,511 |
| Pretax return on assets | 0.0135% | 5,407 |
| Return on Equity (ROE) | 0.0867% | 5,507 |
| Retained earnings to average equity (ytd only) | 0.0867% | 4,854 |
| Net charge-offs to loans | 0.2828% | 4,860 |
| Credit loss provision to net charge-offs | 158.7678% | 2,820 |
| Earnings coverage of net charge-offs (x) | 1.6825% | 4,474 |
| Efficiency ratio | 91.7307% | 1,587 |
| Assets per employee ($millions) | 5.1536% | 2,012 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9734% | 6,520 |
| Loan loss allowance to noncurrent loans | 197.2010% | 1,509 |
| Noncurrent assets plus other real estate owned to assets | 0.5841% | 5,999 |
| Noncurrent loans to loans | 0.4936% | 6,267 |
| Net loans and leases to total assets | 50.9945% | 6,531 |
| Net loans and leases to deposits | 56.2058% | 6,906 |
| Net loans and leases to core deposits | 66.1368% | 6,972 |
| Total domestic deposits to total assets | 90.7281% | 651 |
| Equity capital to assets | 9.1218% | 4,949 |
| Core capital (leverage) ratio | 8.5494% | 5,199 |
| Tier 1 risk-based capital ratio | 10.0344% | 6,842 |
| Total risk-based capital ratio | 10.6318% | 7,273 |
| Memoranda: | ||
| Average total assets | $148,368,200 | 3,980 |
| Average earning assets | $139,005,000 | 3,926 |
| Average equity | $13,835,800 | 4,304 |
| Average total loans | $74,608,200 | 4,703 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3592% | 7,634 |
| Cost of funding earning assets | 1.5574% | 5,599 |
| Net interest margin | 2.8019% | 7,062 |
| Noninterest income to average assets | 0.2107% | 6,721 |
| Noninterest expense to average assets | 2.6801% | 5,410 |
| Loan and lease loss provision to assets | 0.2316% | 5,121 |
| Net operating income to assets | -0.0890% | 5,873 |
| Return on assets (ROA) | -0.0890% | 5,909 |
| Pretax return on assets | -0.0817% | 5,820 |
| Return on Equity (ROE) | -0.9489% | 5,921 |
| Retained earnings to average equity (ytd only) | -0.9489% | 5,479 |
| Net charge-offs to loans | 0.2090% | 4,728 |
| Credit loss provision to net charge-offs | 221.7391% | 1,972 |
| Earnings coverage of net charge-offs (x) | 1.4347% | 4,705 |
| Efficiency ratio | 94.7047% | 1,356 |
| Assets per employee ($millions) | 5.1529% | 1,967 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0016% | 6,273 |
| Loan loss allowance to noncurrent loans | 113.0000% | 2,497 |
| Noncurrent assets plus other real estate owned to assets | 0.4684% | 6,293 |
| Noncurrent loans to loans | 0.8864% | 5,512 |
| Net loans and leases to total assets | 52.3198% | 6,574 |
| Net loans and leases to deposits | 57.7708% | 6,977 |
| Net loans and leases to core deposits | 67.9870% | 7,074 |
| Total domestic deposits to total assets | 90.5643% | 561 |
| Equity capital to assets | 9.2985% | 5,038 |
| Core capital (leverage) ratio | 8.5582% | 5,378 |
| Tier 1 risk-based capital ratio | 10.4375% | 6,539 |
| Total risk-based capital ratio | 11.0771% | 7,079 |
| Memoranda: | ||
| Average total assets | $146,808,500 | 4,022 |
| Average earning assets | $137,237,500 | 3,981 |
| Average equity | $13,769,000 | 4,345 |
| Average total loans | $73,356,250 | 4,796 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3531% | 7,749 |
| Cost of funding earning assets | 1.6494% | 5,519 |
| Net interest margin | 2.7037% | 7,188 |
| Noninterest income to average assets | 0.1946% | 6,900 |
| Noninterest expense to average assets | 2.7903% | 4,998 |
| Loan and lease loss provision to assets | 0.2947% | 4,206 |
| Net operating income to assets | -0.3810% | 6,426 |
| Return on assets (ROA) | -0.3810% | 6,436 |
| Pretax return on assets | -0.3810% | 6,305 |
| Return on Equity (ROE) | -4.0504% | 6,483 |
| Retained earnings to average equity (ytd only) | -4.0504% | 6,147 |
| Net charge-offs to loans | 0.3190% | 3,590 |
| Credit loss provision to net charge-offs | 188.5965% | 2,419 |
| Earnings coverage of net charge-offs (x) | -0.5526% | 6,100 |
| Efficiency ratio | 103.1931% | 1,052 |
| Assets per employee ($millions) | 5.1958% | 1,864 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9745% | 6,423 |
| Loan loss allowance to noncurrent loans | 111.2760% | 2,643 |
| Noncurrent assets plus other real estate owned to assets | 0.4473% | 6,328 |
| Noncurrent loans to loans | 0.8757% | 5,466 |
| Net loans and leases to total assets | 50.5817% | 6,820 |
| Net loans and leases to deposits | 55.6009% | 7,187 |
| Net loans and leases to core deposits | 65.7060% | 7,226 |
| Total domestic deposits to total assets | 90.9727% | 459 |
| Equity capital to assets | 8.7956% | 5,602 |
| Core capital (leverage) ratio | 8.5627% | 5,329 |
| Tier 1 risk-based capital ratio | 10.0918% | 6,829 |
| Total risk-based capital ratio | 10.6864% | 7,403 |
| Memoranda: | ||
| Average total assets | $145,933,670 | 4,072 |
| Average earning assets | $135,444,000 | 4,044 |
| Average equity | $13,727,000 | 4,366 |
| Average total loans | $71,483,670 | 4,905 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4393% | 7,770 |
| Cost of funding earning assets | 1.7593% | 5,316 |
| Net interest margin | 2.6800% | 7,247 |
| Noninterest income to average assets | 0.1923% | 6,922 |
| Noninterest expense to average assets | 2.6804% | 5,100 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | -0.0306% | 6,303 |
| Return on assets (ROA) | -0.0306% | 6,432 |
| Pretax return on assets | -0.0306% | 6,413 |
| Return on Equity (ROE) | -0.3151% | 6,445 |
| Retained earnings to average equity (ytd only) | -0.3151% | 5,716 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.1567% | 1,081 |
| Assets per employee ($millions) | 4.9176% | 2,152 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9182% | 6,662 |
| Loan loss allowance to noncurrent loans | 112.4567% | 2,755 |
| Noncurrent assets plus other real estate owned to assets | 0.9341% | 4,854 |
| Noncurrent loans to loans | 0.8165% | 5,405 |
| Net loans and leases to total assets | 47.5422% | 7,061 |
| Net loans and leases to deposits | 52.9383% | 7,345 |
| Net loans and leases to core deposits | 63.0522% | 7,352 |
| Total domestic deposits to total assets | 89.8067% | 886 |
| Equity capital to assets | 9.4402% | 4,758 |
| Core capital (leverage) ratio | 9.0889% | 4,572 |
| Tier 1 risk-based capital ratio | 10.7434% | 6,147 |
| Total risk-based capital ratio | 11.2808% | 6,799 |
| Memoranda: | ||
| Average total assets | $143,562,000 | 4,116 |
| Average earning assets | $131,643,000 | 4,113 |
| Average equity | $13,964,000 | 4,341 |
| Average total loans | $68,743,000 | 5,026 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1370% | 7,740 |
| Cost of funding earning assets | 2.3320% | 5,002 |
| Net interest margin | 2.8050% | 7,326 |
| Noninterest income to average assets | 0.2094% | 6,943 |
| Noninterest expense to average assets | 2.7616% | 5,004 |
| Loan and lease loss provision to assets | 0.0801% | 6,393 |
| Net operating income to assets | -0.0375% | 6,421 |
| Return on assets (ROA) | -0.0375% | 6,273 |
| Pretax return on assets | -0.0375% | 6,193 |
| Return on Equity (ROE) | -0.3885% | 6,285 |
| Retained earnings to average equity (ytd only) | -0.4333% | 5,420 |
| Net charge-offs to loans | 0.0067% | 6,865 |
| Credit loss provision to net charge-offs | 2,775.0000% | 175 |
| Earnings coverage of net charge-offs (x) | 14.7500% | 2,006 |
| Efficiency ratio | 98.4809% | 1,041 |
| Assets per employee ($millions) | 4.6532% | 2,398 |
| Cash dividends to net income (ytd only)* | -11.5385% | 7,868 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9745% | 6,241 |
| Loan loss allowance to noncurrent loans | 44.3989% | 5,792 |
| Noncurrent assets plus other real estate owned to assets | 1.6218% | 3,002 |
| Noncurrent loans to loans | 2.1950% | 2,519 |
| Net loans and leases to total assets | 47.3137% | 7,235 |
| Net loans and leases to deposits | 53.0527% | 7,486 |
| Net loans and leases to core deposits | 63.8040% | 7,454 |
| Total domestic deposits to total assets | 89.1824% | 972 |
| Equity capital to assets | 10.0297% | 4,000 |
| Core capital (leverage) ratio | 9.3853% | 4,179 |
| Tier 1 risk-based capital ratio | 12.1226% | 4,725 |
| Total risk-based capital ratio | 12.7285% | 5,152 |
| Memoranda: | ||
| Average total assets | $138,508,400 | 4,109 |
| Average earning assets | $128,130,200 | 4,080 |
| Average equity | $13,386,200 | 4,478 |
| Average total loans | $60,030,800 | 5,264 |