Home > Crown Bank > Performance and Condition Ratios
Crown Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8834% | 737 |
| Cost of funding earning assets | 2.9303% | 164 |
| Net interest margin | 2.9532% | 3,387 |
| Noninterest income to average assets | 0.1100% | 4,240 |
| Noninterest expense to average assets | 2.3913% | 2,621 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.4006% | 3,869 |
| Return on assets (ROA) | 0.4063% | 3,854 |
| Pretax return on assets | 0.5515% | 3,718 |
| Return on Equity (ROE) | 5.6600% | 3,596 |
| Retained earnings to average equity (ytd only) | 2.4411% | 3,465 |
| Net charge-offs to loans | -0.0289% | 4,257 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 81.4589% | 814 |
| Assets per employee ($millions) | 14.1665% | 249 |
| Cash dividends to net income (ytd only)* | 56.9079% | 1,320 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1188% | 2,739 |
| Loan loss allowance to noncurrent loans | 160.0455% | 2,772 |
| Noncurrent assets plus other real estate owned to assets | 0.5752% | 966 |
| Noncurrent loans to loans | 0.6990% | 1,119 |
| Net loans and leases to total assets | 81.3600% | 489 |
| Net loans and leases to deposits | 102.7022% | 408 |
| Net loans and leases to core deposits | 125.4350% | 497 |
| Total domestic deposits to total assets | 79.2200% | 3,578 |
| Equity capital to assets | 7.2741% | 3,833 |
| Core capital (leverage) ratio | 8.5792% | 4,042 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.6987% | 2,856 |
| Memoranda: | ||
| Average total assets | $374,072,000 | 2,101 |
| Average earning assets | $357,783,600 | 2,054 |
| Average equity | $26,832,400 | 2,412 |
| Average total loans | $311,761,400 | 1,750 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8095% | 676 |
| Cost of funding earning assets | 2.7567% | 174 |
| Net interest margin | 3.0528% | 3,227 |
| Noninterest income to average assets | 0.1200% | 4,221 |
| Noninterest expense to average assets | 2.4131% | 2,483 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.5132% | 3,737 |
| Return on assets (ROA) | 0.5212% | 3,705 |
| Pretax return on assets | 0.6388% | 3,664 |
| Return on Equity (ROE) | 7.2900% | 3,349 |
| Retained earnings to average equity (ytd only) | 4.5338% | 3,089 |
| Net charge-offs to loans | -0.0287% | 4,235 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 79.3213% | 902 |
| Assets per employee ($millions) | 13.1340% | 291 |
| Cash dividends to net income (ytd only)* | 37.8267% | 1,734 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1176% | 2,776 |
| Loan loss allowance to noncurrent loans | 97.2747% | 3,234 |
| Noncurrent assets plus other real estate owned to assets | 0.9441% | 569 |
| Noncurrent loans to loans | 1.1490% | 687 |
| Net loans and leases to total assets | 81.2500% | 508 |
| Net loans and leases to deposits | 99.3774% | 546 |
| Net loans and leases to core deposits | 132.0676% | 319 |
| Total domestic deposits to total assets | 81.7600% | 3,259 |
| Equity capital to assets | 6.7479% | 3,728 |
| Core capital (leverage) ratio | 8.7740% | 3,967 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.7574% | 2,860 |
| Memoranda: | ||
| Average total assets | $371,966,250 | 2,115 |
| Average earning assets | $355,683,750 | 2,061 |
| Average equity | $26,584,750 | 2,416 |
| Average total loans | $311,022,000 | 1,757 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6956% | 641 |
| Cost of funding earning assets | 2.5508% | 174 |
| Net interest margin | 3.1449% | 3,120 |
| Noninterest income to average assets | 0.0800% | 4,398 |
| Noninterest expense to average assets | 2.4927% | 2,226 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.4806% | 3,845 |
| Return on assets (ROA) | 0.4922% | 3,834 |
| Pretax return on assets | 0.6239% | 3,749 |
| Return on Equity (ROE) | 6.7600% | 3,531 |
| Retained earnings to average equity (ytd only) | 6.7562% | 2,366 |
| Net charge-offs to loans | -0.0290% | 4,233 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 80.3600% | 818 |
| Assets per employee ($millions) | 13.7549% | 251 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1169% | 2,868 |
| Loan loss allowance to noncurrent loans | 96.6630% | 3,296 |
| Noncurrent assets plus other real estate owned to assets | 0.9683% | 492 |
| Noncurrent loans to loans | 1.1555% | 612 |
| Net loans and leases to total assets | 82.8600% | 339 |
| Net loans and leases to deposits | 101.8851% | 435 |
| Net loans and leases to core deposits | 134.5479% | 268 |
| Total domestic deposits to total assets | 81.3300% | 3,369 |
| Equity capital to assets | 7.1223% | 3,726 |
| Core capital (leverage) ratio | 8.7543% | 3,967 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.7046% | 2,884 |
| Memoranda: | ||
| Average total assets | $368,992,667 | 2,128 |
| Average earning assets | $354,165,333 | 2,075 |
| Average equity | $26,879,000 | 2,419 |
| Average total loans | $310,369,333 | 1,744 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6103% | 517 |
| Cost of funding earning assets | 2.3024% | 152 |
| Net interest margin | 3.3079% | 2,859 |
| Noninterest income to average assets | 0.0900% | 4,407 |
| Noninterest expense to average assets | 2.4862% | 2,283 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.6242% | 3,649 |
| Return on assets (ROA) | 0.6199% | 3,609 |
| Pretax return on assets | 0.7809% | 3,505 |
| Return on Equity (ROE) | 8.4200% | 3,194 |
| Retained earnings to average equity (ytd only) | 8.4155% | 2,107 |
| Net charge-offs to loans | -0.0284% | 4,201 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 75.9721% | 1,169 |
| Assets per employee ($millions) | 13.2125% | 296 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1141% | 2,986 |
| Loan loss allowance to noncurrent loans | 157.0000% | 2,918 |
| Noncurrent assets plus other real estate owned to assets | 0.5947% | 861 |
| Noncurrent loans to loans | 0.7096% | 1,073 |
| Net loans and leases to total assets | 82.8700% | 302 |
| Net loans and leases to deposits | 97.0451% | 593 |
| Net loans and leases to core deposits | 127.6076% | 310 |
| Total domestic deposits to total assets | 85.3900% | 2,747 |
| Equity capital to assets | 7.2921% | 3,678 |
| Core capital (leverage) ratio | 8.6401% | 4,044 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.7703% | 2,972 |
| Memoranda: | ||
| Average total assets | $367,797,500 | 2,165 |
| Average earning assets | $354,062,500 | 2,100 |
| Average equity | $27,093,000 | 2,431 |
| Average total loans | $309,945,000 | 1,757 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9009% | 363 |
| Cost of funding earning assets | 0.9247% | 229 |
| Net interest margin | 3.9763% | 818 |
| Noninterest income to average assets | 0.3800% | 2,814 |
| Noninterest expense to average assets | 2.6568% | 1,660 |
| Loan and lease loss provision to assets | 0.1800% | 616 |
| Net operating income to assets | 1.2890% | 1,471 |
| Return on assets (ROA) | 1.2890% | 1,428 |
| Pretax return on assets | 1.3828% | 1,814 |
| Return on Equity (ROE) | 17.3900% | 797 |
| Retained earnings to average equity (ytd only) | 17.3877% | 156 |
| Net charge-offs to loans | -0.0135% | 3,924 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 62.9957% | 2,630 |
| Assets per employee ($millions) | 12.6084% | 333 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1073% | 2,862 |
| 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 | 83.8000% | 271 |
| Net loans and leases to deposits | 99.3142% | 467 |
| Net loans and leases to core deposits | 127.8397% | 254 |
| Total domestic deposits to total assets | 84.3800% | 3,131 |
| Equity capital to assets | 7.4414% | 3,410 |
| Core capital (leverage) ratio | 8.8387% | 3,825 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.9126% | 2,978 |
| Memoranda: | ||
| Average total assets | $340,180,800 | 2,261 |
| Average earning assets | $328,120,600 | 2,207 |
| Average equity | $25,219,000 | 2,569 |
| Average total loans | $280,872,800 | 1,812 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6540% | 385 |
| Cost of funding earning assets | 0.6568% | 320 |
| Net interest margin | 3.9972% | 641 |
| Noninterest income to average assets | 0.4200% | 2,617 |
| Noninterest expense to average assets | 2.6709% | 1,530 |
| Loan and lease loss provision to assets | 0.2000% | 448 |
| Net operating income to assets | 1.3093% | 1,323 |
| Return on assets (ROA) | 1.3093% | 1,287 |
| Pretax return on assets | 1.4015% | 1,717 |
| Return on Equity (ROE) | 17.6800% | 688 |
| Retained earnings to average equity (ytd only) | 17.6792% | 176 |
| Net charge-offs to loans | -0.0083% | 3,638 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 62.4895% | 2,765 |
| Assets per employee ($millions) | 12.4153% | 342 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0906% | 3,062 |
| 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 | 83.3700% | 294 |
| Net loans and leases to deposits | 97.2067% | 487 |
| Net loans and leases to core deposits | 120.8933% | 244 |
| Total domestic deposits to total assets | 85.7700% | 3,120 |
| Equity capital to assets | 7.0103% | 3,515 |
| Core capital (leverage) ratio | 8.9176% | 3,681 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.8082% | 3,066 |
| Memoranda: | ||
| Average total assets | $333,814,750 | 2,303 |
| Average earning assets | $322,182,750 | 2,245 |
| Average equity | $24,721,500 | 2,638 |
| Average total loans | $273,627,250 | 1,842 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4788% | 385 |
| Cost of funding earning assets | 0.5193% | 467 |
| Net interest margin | 3.9595% | 538 |
| Noninterest income to average assets | 0.2399% | 3,735 |
| Noninterest expense to average assets | 2.6179% | 1,585 |
| Loan and lease loss provision to assets | 0.1661% | 556 |
| Net operating income to assets | 1.1874% | 1,472 |
| Return on assets (ROA) | 1.1874% | 1,449 |
| Pretax return on assets | 1.2748% | 1,829 |
| Return on Equity (ROE) | 15.7239% | 751 |
| Retained earnings to average equity (ytd only) | 15.7239% | 212 |
| Net charge-offs to loans | -0.0068% | 3,448 |
| Credit loss provision to net charge-offs | -3,000.0000% | 3,711 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4990% | 2,709 |
| Assets per employee ($millions) | 11.5271% | 434 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1004% | 3,162 |
| 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 | 82.4627% | 266 |
| Net loans and leases to deposits | 94.9432% | 478 |
| Net loans and leases to core deposits | 116.5871% | 236 |
| Total domestic deposits to total assets | 86.8547% | 2,991 |
| Equity capital to assets | 6.9407% | 3,803 |
| Core capital (leverage) ratio | 8.7858% | 3,673 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.7635% | 3,045 |
| Memoranda: | ||
| Average total assets | $325,071,667 | 2,359 |
| Average earning assets | $313,523,000 | 2,308 |
| Average equity | $24,548,667 | 2,707 |
| Average total loans | $263,672,000 | 1,881 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1983% | 517 |
| Cost of funding earning assets | 0.4550% | 636 |
| Net interest margin | 3.7434% | 696 |
| Noninterest income to average assets | 0.1485% | 4,265 |
| Noninterest expense to average assets | 2.6424% | 1,497 |
| Loan and lease loss provision to assets | 0.0874% | 947 |
| Net operating income to assets | 0.9673% | 2,004 |
| Return on assets (ROA) | 0.9673% | 2,004 |
| Pretax return on assets | 1.0335% | 2,343 |
| Return on Equity (ROE) | 12.2909% | 1,230 |
| Retained earnings to average equity (ytd only) | 12.2909% | 561 |
| Net charge-offs to loans | -0.0062% | 3,415 |
| Credit loss provision to net charge-offs | -1,750.0000% | 3,368 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2156% | 2,199 |
| Assets per employee ($millions) | 11.5439% | 444 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1029% | 3,315 |
| Loan loss allowance to noncurrent loans | 31,800.0000% | 57 |
| Noncurrent assets plus other real estate owned to assets | 0.0028% | 4,081 |
| Noncurrent loans to loans | 0.0035% | 4,022 |
| Net loans and leases to total assets | 79.4012% | 267 |
| Net loans and leases to deposits | 89.8674% | 516 |
| Net loans and leases to core deposits | 112.3949% | 214 |
| Total domestic deposits to total assets | 88.3537% | 2,358 |
| Equity capital to assets | 7.4610% | 3,960 |
| Core capital (leverage) ratio | 8.2612% | 4,108 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.6965% | 3,070 |
| Memoranda: | ||
| Average total assets | $320,464,000 | 2,394 |
| Average earning assets | $309,455,000 | 2,336 |
| Average equity | $25,222,000 | 2,756 |
| Average total loans | $256,143,500 | 1,907 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6246% | 479 |
| Cost of funding earning assets | 0.5346% | 772 |
| Net interest margin | 4.0900% | 612 |
| Noninterest income to average assets | 0.1434% | 4,441 |
| Noninterest expense to average assets | 2.6032% | 1,860 |
| Loan and lease loss provision to assets | 0.2282% | 438 |
| Net operating income to assets | 1.1251% | 2,189 |
| Return on assets (ROA) | 1.1442% | 2,186 |
| Pretax return on assets | 1.2625% | 2,479 |
| Return on Equity (ROE) | 13.9037% | 1,214 |
| Retained earnings to average equity (ytd only) | 10.0621% | 905 |
| Net charge-offs to loans | 0.0655% | 1,139 |
| Credit loss provision to net charge-offs | 462.3288% | 836 |
| Earnings coverage of net charge-offs (x) | 29.7740% | 1,612 |
| Efficiency ratio | 63.9133% | 2,579 |
| Assets per employee ($millions) | 11.3464% | 464 |
| Cash dividends to net income (ytd only)* | 27.6300% | 2,676 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1029% | 3,343 |
| Loan loss allowance to noncurrent loans | 3,872.2222% | 327 |
| Noncurrent assets plus other real estate owned to assets | 0.0227% | 3,902 |
| Noncurrent loans to loans | 0.0285% | 3,870 |
| Net loans and leases to total assets | 78.6874% | 339 |
| Net loans and leases to deposits | 90.0203% | 568 |
| Net loans and leases to core deposits | 112.5250% | 253 |
| Total domestic deposits to total assets | 87.4108% | 2,331 |
| Equity capital to assets | 8.2871% | 4,189 |
| Core capital (leverage) ratio | 8.2912% | 4,137 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.7158% | 3,067 |
| Memoranda: | ||
| Average total assets | $295,753,200 | 2,452 |
| Average earning assets | $284,154,800 | 2,408 |
| Average equity | $24,338,800 | 2,895 |
| Average total loans | $223,042,800 | 2,087 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3276% | 916 |
| Cost of funding earning assets | 0.5559% | 803 |
| Net interest margin | 3.7718% | 1,177 |
| Noninterest income to average assets | 0.1190% | 4,586 |
| Noninterest expense to average assets | 2.4506% | 2,270 |
| Loan and lease loss provision to assets | 0.1723% | 625 |
| Net operating income to assets | 1.1148% | 2,500 |
| Return on assets (ROA) | 1.1433% | 2,456 |
| Pretax return on assets | 1.1433% | 3,092 |
| Return on Equity (ROE) | 13.9194% | 1,414 |
| Retained earnings to average equity (ytd only) | 8.6905% | 1,806 |
| Net charge-offs to loans | 0.0940% | 773 |
| Credit loss provision to net charge-offs | 246.7105% | 1,107 |
| Earnings coverage of net charge-offs (x) | 18.4342% | 1,784 |
| Efficiency ratio | 65.5647% | 2,164 |
| Assets per employee ($millions) | 11.8939% | 381 |
| Cash dividends to net income (ytd only)* | 37.5653% | 1,728 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0481% | 3,673 |
| Loan loss allowance to noncurrent loans | 3,223.3766% | 327 |
| Noncurrent assets plus other real estate owned to assets | 0.0240% | 4,020 |
| Noncurrent loans to loans | 0.0325% | 3,971 |
| Net loans and leases to total assets | 72.9675% | 778 |
| Net loans and leases to deposits | 82.7580% | 1,047 |
| Net loans and leases to core deposits | 100.8097% | 561 |
| Total domestic deposits to total assets | 88.1698% | 1,735 |
| Equity capital to assets | 8.1009% | 4,466 |
| Core capital (leverage) ratio | 8.3805% | 4,144 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0457% | 2,956 |
| Memoranda: | ||
| Average total assets | $290,266,500 | 2,495 |
| Average earning assets | $278,483,250 | 2,458 |
| Average equity | $23,841,500 | 2,954 |
| Average total loans | $215,609,000 | 2,167 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5251% | 699 |
| Cost of funding earning assets | 0.6037% | 733 |
| Net interest margin | 3.9213% | 930 |
| Noninterest income to average assets | 0.1264% | 4,569 |
| Noninterest expense to average assets | 2.5302% | 2,048 |
| Loan and lease loss provision to assets | 0.0893% | 1,389 |
| Net operating income to assets | 1.2651% | 1,975 |
| Return on assets (ROA) | 1.3094% | 1,910 |
| Pretax return on assets | 1.3094% | 2,608 |
| Return on Equity (ROE) | 15.8585% | 981 |
| Retained earnings to average equity (ytd only) | 8.4180% | 1,927 |
| Net charge-offs to loans | 0.1947% | 442 |
| Credit loss provision to net charge-offs | 61.5764% | 1,552 |
| Earnings coverage of net charge-offs (x) | 9.3399% | 1,839 |
| Efficiency ratio | 65.1342% | 2,280 |
| Assets per employee ($millions) | 11.5791% | 395 |
| Cash dividends to net income (ytd only)* | 46.9176% | 1,339 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9855% | 3,868 |
| Loan loss allowance to noncurrent loans | 1,160.1064% | 665 |
| Noncurrent assets plus other real estate owned to assets | 0.0624% | 3,811 |
| Noncurrent loans to loans | 0.0849% | 3,763 |
| Net loans and leases to total assets | 72.7868% | 874 |
| Net loans and leases to deposits | 82.5167% | 1,172 |
| Net loans and leases to core deposits | 104.8735% | 504 |
| Total domestic deposits to total assets | 88.2085% | 1,714 |
| Equity capital to assets | 7.7477% | 4,654 |
| Core capital (leverage) ratio | 8.1545% | 4,302 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9616% | 2,967 |
| Memoranda: | ||
| Average total assets | $279,976,667 | 2,554 |
| Average earning assets | $268,328,000 | 2,515 |
| Average equity | $23,117,000 | 3,001 |
| Average total loans | $208,543,000 | 2,221 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5969% | 666 |
| Cost of funding earning assets | 0.6496% | 697 |
| Net interest margin | 3.9473% | 913 |
| Noninterest income to average assets | 0.1306% | 4,551 |
| Noninterest expense to average assets | 2.6143% | 1,849 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.2871% | 1,866 |
| Return on assets (ROA) | 1.3792% | 1,699 |
| Pretax return on assets | 1.3792% | 2,340 |
| Return on Equity (ROE) | 16.1474% | 988 |
| Retained earnings to average equity (ytd only) | 10.4810% | 1,523 |
| Net charge-offs to loans | -0.0059% | 3,458 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0091% | 2,082 |
| Assets per employee ($millions) | 9.7813% | 632 |
| Cash dividends to net income (ytd only)* | 35.0915% | 1,564 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0981% | 3,442 |
| Loan loss allowance to noncurrent loans | 494.9672% | 1,189 |
| Noncurrent assets plus other real estate owned to assets | 0.1669% | 3,327 |
| Noncurrent loans to loans | 0.2219% | 3,301 |
| Net loans and leases to total assets | 74.3859% | 780 |
| Net loans and leases to deposits | 85.4251% | 1,005 |
| Net loans and leases to core deposits | 111.1495% | 379 |
| Total domestic deposits to total assets | 87.0774% | 2,285 |
| Equity capital to assets | 8.3862% | 4,204 |
| Core capital (leverage) ratio | 8.1609% | 4,429 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6848% | 2,409 |
| Memoranda: | ||
| Average total assets | $269,437,000 | 2,599 |
| Average earning assets | $257,390,500 | 2,560 |
| Average equity | $23,013,000 | 2,995 |
| Average total loans | $202,159,500 | 2,269 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8103% | 721 |
| Cost of funding earning assets | 0.9270% | 777 |
| Net interest margin | 3.8833% | 1,262 |
| Noninterest income to average assets | 0.5771% | 2,315 |
| Noninterest expense to average assets | 2.6989% | 2,244 |
| Loan and lease loss provision to assets | 0.2901% | 1,307 |
| Net operating income to assets | 1.2869% | 1,282 |
| Return on assets (ROA) | 1.2943% | 1,367 |
| Pretax return on assets | 1.2943% | 1,995 |
| Return on Equity (ROE) | 13.3202% | 962 |
| Retained earnings to average equity (ytd only) | 8.4402% | 927 |
| Net charge-offs to loans | 0.1257% | 1,248 |
| Credit loss provision to net charge-offs | 284.1880% | 1,793 |
| Earnings coverage of net charge-offs (x) | 15.4487% | 2,173 |
| Efficiency ratio | 63.1198% | 2,956 |
| Assets per employee ($millions) | 9.4900% | 627 |
| Cash dividends to net income (ytd only)* | 36.6363% | 2,524 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1349% | 3,285 |
| Loan loss allowance to noncurrent loans | 1,176.5625% | 582 |
| Noncurrent assets plus other real estate owned to assets | 0.0723% | 3,975 |
| Noncurrent loans to loans | 0.0965% | 3,911 |
| Net loans and leases to total assets | 74.0613% | 1,017 |
| Net loans and leases to deposits | 85.9232% | 1,259 |
| Net loans and leases to core deposits | 108.4766% | 558 |
| Total domestic deposits to total assets | 86.1948% | 2,278 |
| Equity capital to assets | 8.9493% | 4,103 |
| Core capital (leverage) ratio | 10.2357% | 2,376 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7904% | 2,316 |
| Memoranda: | ||
| Average total assets | $229,241,200 | 2,725 |
| Average earning assets | $218,344,800 | 2,683 |
| Average equity | $22,274,400 | 2,988 |
| Average total loans | $186,152,600 | 2,361 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1920% | 420 |
| Cost of funding earning assets | 1.0062% | 747 |
| Net interest margin | 4.1858% | 753 |
| Noninterest income to average assets | 0.7432% | 1,668 |
| Noninterest expense to average assets | 3.2181% | 1,045 |
| Loan and lease loss provision to assets | 0.1604% | 2,397 |
| Net operating income to assets | 1.3459% | 1,243 |
| Return on assets (ROA) | 1.3562% | 1,318 |
| Pretax return on assets | 1.3562% | 1,862 |
| Return on Equity (ROE) | 13.6326% | 952 |
| Retained earnings to average equity (ytd only) | 11.4285% | 502 |
| Net charge-offs to loans | -0.0124% | 4,278 |
| Credit loss provision to net charge-offs | -1,558.8235% | 4,021 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1154% | 2,172 |
| Assets per employee ($millions) | 8.7633% | 757 |
| Cash dividends to net income (ytd only)* | 16.1679% | 2,941 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0300% | 3,563 |
| Loan loss allowance to noncurrent loans | 272.2581% | 1,742 |
| Noncurrent assets plus other real estate owned to assets | 0.3158% | 2,885 |
| Noncurrent loans to loans | 0.3783% | 2,932 |
| Net loans and leases to total assets | 82.6260% | 389 |
| Net loans and leases to deposits | 100.9159% | 502 |
| Net loans and leases to core deposits | 124.7169% | 327 |
| Total domestic deposits to total assets | 81.8761% | 3,455 |
| Equity capital to assets | 9.6441% | 3,559 |
| Core capital (leverage) ratio | 10.7285% | 2,075 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7054% | 2,323 |
| Memoranda: | ||
| Average total assets | $220,121,750 | 2,782 |
| Average earning assets | $209,368,250 | 2,733 |
| Average equity | $21,898,000 | 3,008 |
| Average total loans | $182,927,250 | 2,392 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1490% | 627 |
| Cost of funding earning assets | 1.0981% | 719 |
| Net interest margin | 4.0509% | 1,214 |
| Noninterest income to average assets | 0.1908% | 4,322 |
| Noninterest expense to average assets | 3.2952% | 1,007 |
| Loan and lease loss provision to assets | 0.1086% | 2,921 |
| Net operating income to assets | 0.6311% | 3,635 |
| Return on assets (ROA) | 0.6471% | 3,679 |
| Pretax return on assets | 0.6471% | 3,974 |
| Return on Equity (ROE) | 6.4291% | 3,355 |
| Retained earnings to average equity (ytd only) | 6.4291% | 1,889 |
| Net charge-offs to loans | -0.0114% | 4,234 |
| Credit loss provision to net charge-offs | -1,150.0000% | 3,778 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.6671% | 779 |
| Assets per employee ($millions) | 8.3875% | 846 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9746% | 3,686 |
| Loan loss allowance to noncurrent loans | 249.4253% | 1,804 |
| Noncurrent assets plus other real estate owned to assets | 0.3219% | 3,026 |
| Noncurrent loans to loans | 0.3907% | 3,004 |
| Net loans and leases to total assets | 81.5801% | 447 |
| Net loans and leases to deposits | 98.5586% | 627 |
| Net loans and leases to core deposits | 120.8439% | 400 |
| Total domestic deposits to total assets | 82.7732% | 3,153 |
| Equity capital to assets | 9.3855% | 3,750 |
| Core capital (leverage) ratio | 9.0430% | 3,862 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1359% | 2,554 |
| Memoranda: | ||
| Average total assets | $211,705,000 | 2,814 |
| Average earning assets | $200,893,000 | 2,773 |
| Average equity | $21,309,333 | 3,053 |
| Average total loans | $175,619,333 | 2,428 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0124% | 942 |
| Cost of funding earning assets | 1.2747% | 611 |
| Net interest margin | 3.7377% | 2,188 |
| Noninterest income to average assets | 0.2552% | 4,017 |
| Noninterest expense to average assets | 3.5440% | 873 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.2491% | 4,452 |
| Return on assets (ROA) | 0.2838% | 4,398 |
| Pretax return on assets | 0.2838% | 4,477 |
| Return on Equity (ROE) | 2.7057% | 4,289 |
| Retained earnings to average equity (ytd only) | 2.7057% | 3,195 |
| Net charge-offs to loans | -0.0147% | 4,211 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.4338% | 384 |
| Assets per employee ($millions) | 6.9995% | 1,088 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1498% | 2,934 |
| Loan loss allowance to noncurrent loans | 585.9425% | 841 |
| Noncurrent assets plus other real estate owned to assets | 0.1597% | 3,860 |
| Noncurrent loans to loans | 0.1962% | 3,776 |
| Net loans and leases to total assets | 80.4472% | 645 |
| Net loans and leases to deposits | 98.3611% | 672 |
| Net loans and leases to core deposits | 115.4927% | 608 |
| Total domestic deposits to total assets | 81.7876% | 3,473 |
| Equity capital to assets | 10.4293% | 3,385 |
| Core capital (leverage) ratio | 10.6764% | 2,767 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3600% | 2,545 |
| Memoranda: | ||
| Average total assets | $195,939,000 | 2,902 |
| Average earning assets | $185,460,500 | 2,869 |
| Average equity | $20,549,500 | 3,115 |
| Average total loans | $163,236,000 | 2,512 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4464% | 614 |
| Cost of funding earning assets | 1.4015% | 563 |
| Net interest margin | 4.0448% | 1,697 |
| Noninterest income to average assets | 0.8172% | 1,396 |
| Noninterest expense to average assets | 5.0360% | 211 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | -0.4083% | 5,041 |
| Return on assets (ROA) | -0.4083% | 5,049 |
| Pretax return on assets | -0.4083% | 5,049 |
| Return on Equity (ROE) | -3.6385% | 5,058 |
| Retained earnings to average equity (ytd only) | -3.6385% | 4,935 |
| Net charge-offs to loans | 0.0426% | 2,542 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | -11.6812% | 3,694 |
| Efficiency ratio | 108.8242% | 109 |
| Assets per employee ($millions) | 7.2552% | 954 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0948% | 2,980 |
| Loan loss allowance to noncurrent loans | 613.4228% | 832 |
| Noncurrent assets plus other real estate owned to assets | 0.1521% | 3,873 |
| Noncurrent loans to loans | 0.1785% | 3,818 |
| Net loans and leases to total assets | 84.3040% | 297 |
| Net loans and leases to deposits | 99.6320% | 630 |
| Net loans and leases to core deposits | 116.1775% | 587 |
| Total domestic deposits to total assets | 84.6154% | 2,636 |
| Equity capital to assets | 10.5462% | 3,402 |
| Core capital (leverage) ratio | 10.6776% | 2,783 |
| Tier 1 risk-based capital ratio | 11.8025% | 4,473 |
| Total risk-based capital ratio | 12.8452% | 4,462 |
| Memoranda: | ||
| Average total assets | $197,380,000 | 2,859 |
| Average earning assets | $185,941,000 | 2,832 |
| Average equity | $22,151,800 | 2,948 |
| Average total loans | $161,816,600 | 2,490 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4730% | 614 |
| Cost of funding earning assets | 1.4152% | 552 |
| Net interest margin | 4.0578% | 1,737 |
| Noninterest income to average assets | 1.0410% | 857 |
| Noninterest expense to average assets | 5.5833% | 154 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | -0.7261% | 5,157 |
| Return on assets (ROA) | -0.7261% | 5,162 |
| Pretax return on assets | -0.7261% | 5,157 |
| Return on Equity (ROE) | -6.3750% | 5,169 |
| Retained earnings to average equity (ytd only) | -6.3750% | 5,096 |
| Net charge-offs to loans | -0.0141% | 4,478 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 114.9500% | 90 |
| Assets per employee ($millions) | 7.6937% | 773 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2654% | 2,141 |
| Loan loss allowance to noncurrent loans | 385.1107% | 1,218 |
| Noncurrent assets plus other real estate owned to assets | 0.2307% | 3,656 |
| Noncurrent loans to loans | 0.3286% | 3,356 |
| Net loans and leases to total assets | 69.3278% | 2,577 |
| Net loans and leases to deposits | 81.6971% | 2,728 |
| Net loans and leases to core deposits | 93.1719% | 2,248 |
| Total domestic deposits to total assets | 84.8596% | 2,472 |
| Equity capital to assets | 10.6395% | 3,432 |
| Core capital (leverage) ratio | 11.7316% | 2,057 |
| Tier 1 risk-based capital ratio | 14.7965% | 2,957 |
| Total risk-based capital ratio | 16.0322% | 2,886 |
| Memoranda: | ||
| Average total assets | $197,752,250 | 2,883 |
| Average earning assets | $185,975,500 | 2,859 |
| Average equity | $22,525,000 | 2,934 |
| Average total loans | $160,527,750 | 2,528 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5941% | 472 |
| Cost of funding earning assets | 1.4419% | 457 |
| Net interest margin | 4.1522% | 1,486 |
| Noninterest income to average assets | 0.6067% | 2,117 |
| Noninterest expense to average assets | 6.8216% | 117 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | -2.3215% | 5,263 |
| Return on assets (ROA) | -2.3215% | 5,263 |
| Pretax return on assets | -2.3215% | 5,260 |
| Return on Equity (ROE) | -19.8899% | 5,279 |
| Retained earnings to average equity (ytd only) | -19.8899% | 5,250 |
| Net charge-offs to loans | -0.0122% | 4,385 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 151.5868% | 38 |
| Assets per employee ($millions) | 7.6527% | 757 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1928% | 2,566 |
| Loan loss allowance to noncurrent loans | 213.3110% | 2,052 |
| Noncurrent assets plus other real estate owned to assets | 0.4673% | 2,666 |
| Noncurrent loans to loans | 0.5592% | 2,592 |
| Net loans and leases to total assets | 82.5714% | 530 |
| Net loans and leases to deposits | 98.7381% | 771 |
| Net loans and leases to core deposits | 114.1711% | 773 |
| Total domestic deposits to total assets | 83.6267% | 2,999 |
| Equity capital to assets | 11.3790% | 2,725 |
| Core capital (leverage) ratio | 11.1398% | 2,469 |
| Tier 1 risk-based capital ratio | 13.2284% | 3,722 |
| Total risk-based capital ratio | 14.3872% | 3,674 |
| Memoranda: | ||
| Average total assets | $191,862,000 | 2,942 |
| Average earning assets | $179,902,670 | 2,919 |
| Average equity | $22,393,330 | 2,936 |
| Average total loans | $163,616,330 | 2,501 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6505% | 392 |
| Cost of funding earning assets | 1.3655% | 518 |
| Net interest margin | 4.2851% | 1,122 |
| Noninterest income to average assets | 0.6953% | 1,630 |
| Noninterest expense to average assets | 10.0930% | 63 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | -5.3796% | 5,352 |
| Return on assets (ROA) | -5.3796% | 5,351 |
| Pretax return on assets | -5.3796% | 5,349 |
| Return on Equity (ROE) | -45.5230% | 5,351 |
| Retained earnings to average equity (ytd only) | -45.5230% | 5,329 |
| Net charge-offs to loans | -0.0169% | 4,425 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 214.1343% | 14 |
| Assets per employee ($millions) | 7.8578% | 705 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1612% | 2,789 |
| Loan loss allowance to noncurrent loans | 1,269.3333% | 492 |
| Noncurrent assets plus other real estate owned to assets | 0.0764% | 4,430 |
| Noncurrent loans to loans | 0.0915% | 4,340 |
| Net loans and leases to total assets | 82.5014% | 528 |
| Net loans and leases to deposits | 97.9210% | 795 |
| Net loans and leases to core deposits | 109.8460% | 936 |
| Total domestic deposits to total assets | 84.2530% | 2,963 |
| Equity capital to assets | 10.9003% | 2,949 |
| Core capital (leverage) ratio | 11.0769% | 2,507 |
| Tier 1 risk-based capital ratio | 12.4499% | 4,203 |
| Total risk-based capital ratio | 13.5569% | 4,156 |
| Memoranda: | ||
| Average total assets | $192,134,000 | 2,975 |
| Average earning assets | $180,159,500 | 2,948 |
| Average equity | $22,705,000 | 2,911 |
| Average total loans | $165,484,000 | 2,510 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2457% | 643 |
| Cost of funding earning assets | 0.9961% | 766 |
| Net interest margin | 4.2495% | 1,281 |
| Noninterest income to average assets | 0.2423% | 4,471 |
| Noninterest expense to average assets | 4.0749% | 483 |
| Loan and lease loss provision to assets | 0.0048% | 4,017 |
| Net operating income to assets | 0.1556% | 5,142 |
| Return on assets (ROA) | 0.1556% | 5,134 |
| Pretax return on assets | 0.1556% | 5,144 |
| Return on Equity (ROE) | 1.3524% | 5,126 |
| Retained earnings to average equity (ytd only) | 0.1382% | 4,944 |
| Net charge-offs to loans | 0.0097% | 3,346 |
| Credit loss provision to net charge-offs | 58.8235% | 3,115 |
| Earnings coverage of net charge-offs (x) | 19.5882% | 2,053 |
| Efficiency ratio | 96.2125% | 207 |
| Assets per employee ($millions) | 8.5375% | 544 |
| Cash dividends to net income (ytd only)* | 89.7833% | 449 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1360% | 2,899 |
| Loan loss allowance to noncurrent loans | 1,239.8693% | 527 |
| Noncurrent assets plus other real estate owned to assets | 0.0815% | 4,413 |
| Noncurrent loans to loans | 0.0916% | 4,338 |
| Net loans and leases to total assets | 87.9004% | 122 |
| Net loans and leases to deposits | 106.9856% | 335 |
| Net loans and leases to core deposits | 119.1398% | 574 |
| Total domestic deposits to total assets | 82.1610% | 3,601 |
| Equity capital to assets | 12.7763% | 1,452 |
| Core capital (leverage) ratio | 12.4563% | 1,478 |
| Tier 1 risk-based capital ratio | 13.8761% | 3,348 |
| Total risk-based capital ratio | 14.9730% | 3,349 |
| Memoranda: | ||
| Average total assets | $207,588,000 | 2,791 |
| Average earning assets | $195,056,200 | 2,762 |
| Average equity | $23,883,400 | 2,738 |
| Average total loans | $175,044,200 | 2,378 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1354% | 710 |
| Cost of funding earning assets | 0.9208% | 838 |
| Net interest margin | 4.2145% | 1,315 |
| Noninterest income to average assets | 0.3118% | 4,059 |
| Noninterest expense to average assets | 4.2672% | 366 |
| Loan and lease loss provision to assets | 0.0063% | 3,849 |
| Net operating income to assets | 0.0006% | 5,298 |
| Return on assets (ROA) | 0.0006% | 5,295 |
| Pretax return on assets | 0.0006% | 5,294 |
| Return on Equity (ROE) | 0.0056% | 5,295 |
| Retained earnings to average equity (ytd only) | 0.0056% | 5,032 |
| Net charge-offs to loans | -0.1755% | 5,278 |
| Credit loss provision to net charge-offs | -4.2918% | 4,064 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.8385% | 156 |
| Assets per employee ($millions) | 9.1033% | 435 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2236% | 2,489 |
| Loan loss allowance to noncurrent loans | 307.1531% | 1,619 |
| Noncurrent assets plus other real estate owned to assets | 0.3490% | 3,279 |
| Noncurrent loans to loans | 0.3984% | 3,225 |
| Net loans and leases to total assets | 86.5414% | 220 |
| Net loans and leases to deposits | 103.9045% | 555 |
| Net loans and leases to core deposits | 113.7801% | 830 |
| Total domestic deposits to total assets | 83.2893% | 3,202 |
| Equity capital to assets | 11.8214% | 2,021 |
| Core capital (leverage) ratio | 11.1607% | 2,443 |
| Tier 1 risk-based capital ratio | 13.1900% | 3,786 |
| Total risk-based capital ratio | 14.3862% | 3,734 |
| Memoranda: | ||
| Average total assets | $212,529,000 | 2,771 |
| Average earning assets | $199,811,000 | 2,739 |
| Average equity | $23,855,000 | 2,753 |
| Average total loans | $177,056,500 | 2,369 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9474% | 927 |
| Cost of funding earning assets | 0.7892% | 1,177 |
| Net interest margin | 4.1582% | 1,386 |
| Noninterest income to average assets | 0.7313% | 1,732 |
| Noninterest expense to average assets | 4.8686% | 228 |
| Loan and lease loss provision to assets | 0.0092% | 3,661 |
| Net operating income to assets | -0.2401% | 5,403 |
| Return on assets (ROA) | -0.2401% | 5,399 |
| Pretax return on assets | -0.2401% | 5,399 |
| Return on Equity (ROE) | -2.1744% | 5,404 |
| Retained earnings to average equity (ytd only) | -2.1744% | 5,165 |
| Net charge-offs to loans | -0.1791% | 5,305 |
| Credit loss provision to net charge-offs | -6.2893% | 3,923 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.9771% | 123 |
| Assets per employee ($millions) | 6.9979% | 921 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1716% | 2,875 |
| Loan loss allowance to noncurrent loans | 260.7547% | 1,837 |
| Noncurrent assets plus other real estate owned to assets | 0.3665% | 3,269 |
| Noncurrent loans to loans | 0.4493% | 3,093 |
| Net loans and leases to total assets | 80.6052% | 929 |
| Net loans and leases to deposits | 95.0765% | 1,236 |
| Net loans and leases to core deposits | 102.5963% | 1,519 |
| Total domestic deposits to total assets | 84.7792% | 2,759 |
| Equity capital to assets | 10.7931% | 2,840 |
| Core capital (leverage) ratio | 11.2922% | 2,260 |
| Tier 1 risk-based capital ratio | 12.8114% | 3,998 |
| Total risk-based capital ratio | 13.9457% | 3,970 |
| Memoranda: | ||
| Average total assets | $216,614,330 | 2,754 |
| Average earning assets | $203,501,670 | 2,724 |
| Average equity | $23,915,000 | 2,760 |
| Average total loans | $177,586,670 | 2,371 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8542% | 966 |
| Cost of funding earning assets | 0.7190% | 1,347 |
| Net interest margin | 4.1352% | 1,354 |
| Noninterest income to average assets | 0.3012% | 4,146 |
| Noninterest expense to average assets | 3.4335% | 1,106 |
| Loan and lease loss provision to assets | 0.0185% | 3,292 |
| Net operating income to assets | 0.7392% | 3,950 |
| Return on assets (ROA) | 0.7392% | 3,950 |
| Pretax return on assets | 0.7392% | 4,327 |
| Return on Equity (ROE) | 6.6210% | 3,939 |
| Retained earnings to average equity (ytd only) | 6.6210% | 2,448 |
| Net charge-offs to loans | -0.3507% | 5,468 |
| Credit loss provision to net charge-offs | -6.4103% | 3,549 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.9224% | 950 |
| Assets per employee ($millions) | 8.0141% | 624 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1648% | 3,007 |
| Loan loss allowance to noncurrent loans | 793.1034% | 730 |
| Noncurrent assets plus other real estate owned to assets | 0.1206% | 4,495 |
| Noncurrent loans to loans | 0.1469% | 4,311 |
| Net loans and leases to total assets | 81.1730% | 765 |
| Net loans and leases to deposits | 96.1848% | 1,020 |
| Net loans and leases to core deposits | 100.7122% | 1,636 |
| Total domestic deposits to total assets | 84.3928% | 3,150 |
| Equity capital to assets | 11.2602% | 2,337 |
| Core capital (leverage) ratio | 11.1902% | 2,255 |
| Tier 1 risk-based capital ratio | 13.3673% | 3,735 |
| Total risk-based capital ratio | 14.5030% | 3,716 |
| Memoranda: | ||
| Average total assets | $216,454,500 | 2,785 |
| Average earning assets | $203,617,500 | 2,753 |
| Average equity | $24,165,500 | 2,757 |
| Average total loans | $177,913,500 | 2,385 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9308% | 744 |
| Cost of funding earning assets | 0.6497% | 1,294 |
| Net interest margin | 4.2811% | 1,008 |
| Noninterest income to average assets | 0.4979% | 3,016 |
| Noninterest expense to average assets | 3.4977% | 1,042 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.0208% | 2,146 |
| Return on assets (ROA) | 1.0208% | 2,181 |
| Pretax return on assets | 1.0208% | 3,490 |
| Return on Equity (ROE) | 9.8773% | 1,946 |
| Retained earnings to average equity (ytd only) | 9.8773% | 370 |
| Net charge-offs to loans | 0.1361% | 1,706 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 9.2048% | 2,815 |
| Efficiency ratio | 77.4076% | 1,435 |
| Assets per employee ($millions) | 7.4665% | 780 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0690% | 3,506 |
| Loan loss allowance to noncurrent loans | 278.7701% | 1,747 |
| Noncurrent assets plus other real estate owned to assets | 0.3154% | 3,613 |
| Noncurrent loans to loans | 0.3835% | 3,378 |
| Net loans and leases to total assets | 81.3798% | 760 |
| Net loans and leases to deposits | 96.1724% | 1,076 |
| Net loans and leases to core deposits | 101.8267% | 1,563 |
| Total domestic deposits to total assets | 84.6186% | 2,989 |
| Equity capital to assets | 11.0683% | 2,566 |
| Core capital (leverage) ratio | 10.7071% | 2,642 |
| Tier 1 risk-based capital ratio | 13.1605% | 3,812 |
| Total risk-based capital ratio | 14.2061% | 3,832 |
| Memoranda: | ||
| Average total assets | $224,520,800 | 2,686 |
| Average earning assets | $210,859,400 | 2,657 |
| Average equity | $23,204,800 | 2,837 |
| Average total loans | $182,939,400 | 2,294 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9284% | 713 |
| Cost of funding earning assets | 0.6244% | 1,384 |
| Net interest margin | 4.3040% | 915 |
| Noninterest income to average assets | 0.4821% | 3,139 |
| Noninterest expense to average assets | 3.4121% | 1,134 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.1113% | 2,037 |
| Return on assets (ROA) | 1.1113% | 2,099 |
| Pretax return on assets | 1.1113% | 3,263 |
| Return on Equity (ROE) | 10.9378% | 1,724 |
| Retained earnings to average equity (ytd only) | 10.9378% | 421 |
| Net charge-offs to loans | 0.1129% | 1,664 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 12.1028% | 2,450 |
| Efficiency ratio | 75.4327% | 1,673 |
| Assets per employee ($millions) | 7.4105% | 792 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0937% | 3,519 |
| Loan loss allowance to noncurrent loans | 218.2514% | 2,084 |
| Noncurrent assets plus other real estate owned to assets | 0.3983% | 3,437 |
| Noncurrent loans to loans | 0.5011% | 3,195 |
| Net loans and leases to total assets | 78.6137% | 1,178 |
| Net loans and leases to deposits | 91.8583% | 1,587 |
| Net loans and leases to core deposits | 95.7170% | 2,107 |
| Total domestic deposits to total assets | 85.5816% | 2,482 |
| Equity capital to assets | 10.2574% | 3,628 |
| Core capital (leverage) ratio | 10.3265% | 3,169 |
| Tier 1 risk-based capital ratio | 12.4915% | 4,319 |
| Total risk-based capital ratio | 13.5503% | 4,337 |
| Memoranda: | ||
| Average total assets | $226,519,000 | 2,690 |
| Average earning assets | $212,695,500 | 2,660 |
| Average equity | $23,014,500 | 2,875 |
| Average total loans | $184,145,750 | 2,297 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9050% | 687 |
| Cost of funding earning assets | 0.6028% | 1,424 |
| Net interest margin | 4.3021% | 854 |
| Noninterest income to average assets | 0.4489% | 3,360 |
| Noninterest expense to average assets | 3.4553% | 1,066 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.0264% | 2,305 |
| Return on assets (ROA) | 1.0264% | 2,347 |
| Pretax return on assets | 1.0264% | 3,457 |
| Return on Equity (ROE) | 10.1352% | 1,971 |
| Retained earnings to average equity (ytd only) | 10.1352% | 552 |
| Net charge-offs to loans | 0.1722% | 1,138 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 7.2767% | 2,621 |
| Efficiency ratio | 77.0982% | 1,573 |
| Assets per employee ($millions) | 6.5463% | 1,126 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0621% | 3,777 |
| Loan loss allowance to noncurrent loans | 152.9141% | 2,740 |
| Noncurrent assets plus other real estate owned to assets | 0.5859% | 2,815 |
| Noncurrent loans to loans | 0.6946% | 2,670 |
| Net loans and leases to total assets | 83.4567% | 490 |
| Net loans and leases to deposits | 97.9271% | 898 |
| Net loans and leases to core deposits | 101.5033% | 1,548 |
| Total domestic deposits to total assets | 85.2233% | 2,724 |
| Equity capital to assets | 10.5296% | 3,301 |
| Core capital (leverage) ratio | 10.6109% | 2,800 |
| Tier 1 risk-based capital ratio | 12.1223% | 4,554 |
| Total risk-based capital ratio | 13.1540% | 4,594 |
| Memoranda: | ||
| Average total assets | $225,449,670 | 2,720 |
| Average earning assets | $211,336,670 | 2,686 |
| Average equity | $22,831,330 | 2,898 |
| Average total loans | $184,663,000 | 2,309 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7510% | 844 |
| Cost of funding earning assets | 0.5857% | 1,472 |
| Net interest margin | 4.1653% | 1,055 |
| Noninterest income to average assets | 0.3191% | 4,270 |
| Noninterest expense to average assets | 3.3532% | 1,280 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.8780% | 2,866 |
| Return on assets (ROA) | 0.8780% | 2,918 |
| Pretax return on assets | 0.8780% | 3,839 |
| Return on Equity (ROE) | 8.8419% | 2,489 |
| Retained earnings to average equity (ytd only) | 8.8419% | 1,135 |
| Net charge-offs to loans | 0.3932% | 465 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 2.7667% | 2,554 |
| Efficiency ratio | 79.2500% | 1,455 |
| Assets per employee ($millions) | 6.6329% | 1,112 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0882% | 3,776 |
| Loan loss allowance to noncurrent loans | 127.7023% | 3,158 |
| Noncurrent assets plus other real estate owned to assets | 1.3052% | 1,303 |
| Noncurrent loans to loans | 0.8521% | 2,329 |
| Net loans and leases to total assets | 81.9327% | 573 |
| Net loans and leases to deposits | 96.0465% | 931 |
| Net loans and leases to core deposits | 98.4557% | 1,622 |
| Total domestic deposits to total assets | 85.3052% | 2,961 |
| Equity capital to assets | 10.4058% | 3,286 |
| Core capital (leverage) ratio | 10.1039% | 3,371 |
| Tier 1 risk-based capital ratio | 12.0667% | 4,670 |
| Total risk-based capital ratio | 13.1123% | 4,712 |
| Memoranda: | ||
| Average total assets | $226,888,000 | 2,734 |
| Average earning assets | $213,093,000 | 2,695 |
| Average equity | $22,529,000 | 2,942 |
| Average total loans | $183,121,500 | 2,334 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8509% | 801 |
| Cost of funding earning assets | 0.5419% | 1,775 |
| Net interest margin | 4.3091% | 917 |
| Noninterest income to average assets | 0.4256% | 3,709 |
| Noninterest expense to average assets | 3.2657% | 1,651 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.2271% | 1,417 |
| Return on assets (ROA) | 1.2271% | 1,508 |
| Pretax return on assets | 1.2271% | 2,566 |
| Return on Equity (ROE) | 13.0495% | 981 |
| Retained earnings to average equity (ytd only) | 13.0495% | 164 |
| Net charge-offs to loans | 0.0377% | 3,274 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 39.9412% | 1,180 |
| Efficiency ratio | 72.6870% | 2,477 |
| Assets per employee ($millions) | 7.3403% | 784 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1642% | 3,344 |
| Loan loss allowance to noncurrent loans | 281.4379% | 1,715 |
| Noncurrent assets plus other real estate owned to assets | 0.4998% | 3,259 |
| Noncurrent loans to loans | 0.4137% | 3,665 |
| Net loans and leases to total assets | 77.8142% | 1,224 |
| Net loans and leases to deposits | 89.9121% | 1,692 |
| Net loans and leases to core deposits | 92.3611% | 2,263 |
| Total domestic deposits to total assets | 86.5447% | 2,353 |
| Equity capital to assets | 9.4858% | 4,285 |
| Core capital (leverage) ratio | 9.8119% | 3,726 |
| Tier 1 risk-based capital ratio | 11.6550% | 4,953 |
| Total risk-based capital ratio | 12.7817% | 4,936 |
| Memoranda: | ||
| Average total assets | $221,330,400 | 2,749 |
| Average earning assets | $208,908,000 | 2,706 |
| Average equity | $20,813,000 | 3,082 |
| Average total loans | $180,170,000 | 2,309 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8820% | 749 |
| Cost of funding earning assets | 0.5347% | 1,838 |
| Net interest margin | 4.3473% | 845 |
| Noninterest income to average assets | 0.4209% | 3,767 |
| Noninterest expense to average assets | 3.3739% | 1,401 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.1501% | 1,807 |
| Return on assets (ROA) | 1.1501% | 1,907 |
| Pretax return on assets | 1.1501% | 3,051 |
| Return on Equity (ROE) | 12.2596% | 1,246 |
| Retained earnings to average equity (ytd only) | 12.2596% | 273 |
| Net charge-offs to loans | 0.0566% | 2,557 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 24.7370% | 1,661 |
| Efficiency ratio | 74.5774% | 2,175 |
| Assets per employee ($millions) | 6.7928% | 966 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1695% | 3,431 |
| Loan loss allowance to noncurrent loans | 431.5895% | 1,195 |
| Noncurrent assets plus other real estate owned to assets | 0.4021% | 3,816 |
| Noncurrent loans to loans | 0.2710% | 4,291 |
| Net loans and leases to total assets | 83.3928% | 470 |
| Net loans and leases to deposits | 92.7435% | 1,404 |
| Net loans and leases to core deposits | 95.2428% | 2,070 |
| Total domestic deposits to total assets | 89.9176% | 514 |
| Equity capital to assets | 9.8676% | 4,285 |
| Core capital (leverage) ratio | 9.8859% | 3,713 |
| Tier 1 risk-based capital ratio | 11.3738% | 5,170 |
| Total risk-based capital ratio | 12.5120% | 5,119 |
| Memoranda: | ||
| Average total assets | $217,940,750 | 2,784 |
| Average earning assets | $205,701,750 | 2,743 |
| Average equity | $20,446,000 | 3,153 |
| Average total loans | $178,980,000 | 2,320 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8378% | 817 |
| Cost of funding earning assets | 0.5311% | 1,865 |
| Net interest margin | 4.3067% | 911 |
| Noninterest income to average assets | 0.3906% | 3,941 |
| Noninterest expense to average assets | 3.3842% | 1,402 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.0737% | 2,074 |
| Return on assets (ROA) | 1.0737% | 2,194 |
| Pretax return on assets | 1.0737% | 3,312 |
| Return on Equity (ROE) | 11.6450% | 1,429 |
| Retained earnings to average equity (ytd only) | 11.6450% | 371 |
| Net charge-offs to loans | 0.0935% | 1,909 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 14.1084% | 2,076 |
| Efficiency ratio | 75.9153% | 2,093 |
| Assets per employee ($millions) | 6.6970% | 1,004 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2061% | 3,323 |
| Loan loss allowance to noncurrent loans | 159.7907% | 2,738 |
| Noncurrent assets plus other real estate owned to assets | 0.6243% | 3,133 |
| Noncurrent loans to loans | 0.7548% | 2,856 |
| Net loans and leases to total assets | 81.7185% | 656 |
| Net loans and leases to deposits | 90.6459% | 1,679 |
| Net loans and leases to core deposits | 93.2409% | 2,238 |
| Total domestic deposits to total assets | 90.1514% | 429 |
| Equity capital to assets | 9.6792% | 4,574 |
| Core capital (leverage) ratio | 9.5321% | 4,162 |
| Tier 1 risk-based capital ratio | 11.3489% | 5,249 |
| Total risk-based capital ratio | 12.5196% | 5,192 |
| Memoranda: | ||
| Average total assets | $218,131,330 | 2,788 |
| Average earning assets | $206,004,000 | 2,749 |
| Average equity | $20,111,670 | 3,188 |
| Average total loans | $177,501,670 | 2,340 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6514% | 1,147 |
| Cost of funding earning assets | 0.5213% | 1,932 |
| Net interest margin | 4.1301% | 1,261 |
| Noninterest income to average assets | 0.2400% | 5,024 |
| Noninterest expense to average assets | 3.3357% | 1,515 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.8071% | 3,204 |
| Return on assets (ROA) | 0.8071% | 3,326 |
| Pretax return on assets | 0.8071% | 4,172 |
| Return on Equity (ROE) | 8.9715% | 2,440 |
| Retained earnings to average equity (ytd only) | 8.9715% | 1,129 |
| Net charge-offs to loans | -0.1802% | 5,817 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.5178% | 1,543 |
| Assets per employee ($millions) | 6.7842% | 969 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2927% | 2,945 |
| Loan loss allowance to noncurrent loans | 233.8415% | 1,990 |
| Noncurrent assets plus other real estate owned to assets | 0.4395% | 3,828 |
| Noncurrent loans to loans | 0.5528% | 3,525 |
| Net loans and leases to total assets | 78.4768% | 1,027 |
| Net loans and leases to deposits | 86.3263% | 2,031 |
| Net loans and leases to core deposits | 88.4413% | 2,520 |
| Total domestic deposits to total assets | 90.9071% | 298 |
| Equity capital to assets | 8.9410% | 5,228 |
| Core capital (leverage) ratio | 9.4285% | 4,313 |
| Tier 1 risk-based capital ratio | 10.8628% | 5,573 |
| Total risk-based capital ratio | 12.1126% | 5,476 |
| Memoranda: | ||
| Average total assets | $220,045,000 | 2,776 |
| Average earning assets | $207,935,500 | 2,743 |
| Average equity | $19,796,000 | 3,225 |
| Average total loans | $177,620,500 | 2,340 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9743% | 663 |
| Cost of funding earning assets | 0.5093% | 2,079 |
| Net interest margin | 4.4650% | 700 |
| Noninterest income to average assets | 0.4545% | 3,629 |
| Noninterest expense to average assets | 3.6238% | 1,081 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.9872% | 2,432 |
| Return on assets (ROA) | 0.9872% | 2,517 |
| Pretax return on assets | 0.9872% | 3,518 |
| Return on Equity (ROE) | 10.7922% | 1,687 |
| Retained earnings to average equity (ytd only) | 10.7922% | 364 |
| Net charge-offs to loans | 0.1785% | 1,606 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 6.6611% | 3,189 |
| Efficiency ratio | 78.5905% | 1,873 |
| Assets per employee ($millions) | 6.5518% | 1,076 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2531% | 3,150 |
| Loan loss allowance to noncurrent loans | 83.9698% | 4,039 |
| Noncurrent assets plus other real estate owned to assets | 1.2233% | 1,767 |
| Noncurrent loans to loans | 1.4923% | 1,556 |
| Net loans and leases to total assets | 80.9515% | 722 |
| Net loans and leases to deposits | 89.1643% | 1,725 |
| Net loans and leases to core deposits | 91.7977% | 2,244 |
| Total domestic deposits to total assets | 90.7891% | 341 |
| Equity capital to assets | 9.0537% | 5,073 |
| Core capital (leverage) ratio | 9.3144% | 4,452 |
| Tier 1 risk-based capital ratio | 10.5439% | 5,755 |
| Total risk-based capital ratio | 11.7414% | 5,703 |
| Memoranda: | ||
| Average total assets | $203,101,400 | 2,917 |
| Average earning assets | $189,072,600 | 2,902 |
| Average equity | $18,578,200 | 3,307 |
| Average total loans | $168,636,200 | 2,365 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0108% | 606 |
| Cost of funding earning assets | 0.5010% | 2,197 |
| Net interest margin | 4.5098% | 638 |
| Noninterest income to average assets | 0.2262% | 5,296 |
| Noninterest expense to average assets | 3.4283% | 1,418 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.9842% | 2,548 |
| Return on assets (ROA) | 0.9842% | 2,631 |
| Pretax return on assets | 0.9842% | 3,672 |
| Return on Equity (ROE) | 10.7296% | 1,814 |
| Retained earnings to average equity (ytd only) | 10.7296% | 516 |
| Net charge-offs to loans | 0.1353% | 1,780 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 8.7277% | 2,774 |
| Efficiency ratio | 77.6954% | 1,995 |
| Assets per employee ($millions) | 7.6004% | 651 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3301% | 2,954 |
| Loan loss allowance to noncurrent loans | 84.3974% | 4,064 |
| Noncurrent assets plus other real estate owned to assets | 1.5751% | 1,421 |
| Noncurrent loans to loans | 1.5760% | 1,581 |
| Net loans and leases to total assets | 82.0197% | 577 |
| Net loans and leases to deposits | 90.2565% | 1,611 |
| Net loans and leases to core deposits | 92.9475% | 2,175 |
| Total domestic deposits to total assets | 90.8741% | 283 |
| Equity capital to assets | 8.9521% | 5,355 |
| Core capital (leverage) ratio | 9.0121% | 4,984 |
| Tier 1 risk-based capital ratio | 10.2362% | 5,965 |
| Total risk-based capital ratio | 11.4865% | 5,910 |
| Memoranda: | ||
| Average total assets | $199,824,000 | 2,971 |
| Average earning assets | $185,486,250 | 2,960 |
| Average equity | $18,329,000 | 3,364 |
| Average total loans | $166,483,500 | 2,408 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9825% | 610 |
| Cost of funding earning assets | 0.4794% | 2,435 |
| Net interest margin | 4.5030% | 634 |
| Noninterest income to average assets | 0.7417% | 2,036 |
| Noninterest expense to average assets | 3.7239% | 962 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.1785% | 1,673 |
| Return on assets (ROA) | 1.1785% | 1,740 |
| Pretax return on assets | 1.1785% | 2,868 |
| Return on Equity (ROE) | 12.7375% | 1,172 |
| Retained earnings to average equity (ytd only) | 12.7375% | 329 |
| Net charge-offs to loans | 0.2147% | 1,188 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 6.5829% | 2,765 |
| Efficiency ratio | 75.9599% | 2,364 |
| Assets per employee ($millions) | 6.5713% | 1,023 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4026% | 2,748 |
| Loan loss allowance to noncurrent loans | 131.5583% | 3,079 |
| Noncurrent assets plus other real estate owned to assets | 2.3239% | 858 |
| Noncurrent loans to loans | 1.0661% | 2,512 |
| Net loans and leases to total assets | 80.9916% | 672 |
| Net loans and leases to deposits | 89.3566% | 1,682 |
| Net loans and leases to core deposits | 92.0184% | 2,159 |
| Total domestic deposits to total assets | 90.6387% | 404 |
| Equity capital to assets | 9.1949% | 5,022 |
| Core capital (leverage) ratio | 9.6434% | 4,085 |
| Tier 1 risk-based capital ratio | 10.3250% | 5,983 |
| Total risk-based capital ratio | 11.5754% | 5,931 |
| Memoranda: | ||
| Average total assets | $195,495,000 | 3,038 |
| Average earning assets | $180,633,330 | 3,040 |
| Average equity | $18,088,330 | 3,411 |
| Average total loans | $163,011,330 | 2,451 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0292% | 553 |
| Cost of funding earning assets | 0.4753% | 2,499 |
| Net interest margin | 4.5539% | 546 |
| Noninterest income to average assets | 0.2947% | 4,814 |
| Noninterest expense to average assets | 3.7369% | 956 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.7629% | 3,467 |
| Return on assets (ROA) | 0.7629% | 3,600 |
| Pretax return on assets | 0.7629% | 4,375 |
| Return on Equity (ROE) | 8.2175% | 2,844 |
| Retained earnings to average equity (ytd only) | 8.2175% | 1,484 |
| Net charge-offs to loans | 0.3730% | 655 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 2.4333% | 2,758 |
| Efficiency ratio | 83.0469% | 1,487 |
| Assets per employee ($millions) | 6.4232% | 1,125 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4841% | 2,514 |
| Loan loss allowance to noncurrent loans | 187.0662% | 2,346 |
| Noncurrent assets plus other real estate owned to assets | 2.2388% | 1,019 |
| Noncurrent loans to loans | 0.7934% | 3,265 |
| Net loans and leases to total assets | 81.7110% | 492 |
| Net loans and leases to deposits | 90.3075% | 1,357 |
| Net loans and leases to core deposits | 93.3365% | 1,826 |
| Total domestic deposits to total assets | 90.4808% | 537 |
| Equity capital to assets | 9.3152% | 4,944 |
| Core capital (leverage) ratio | 9.4153% | 4,407 |
| Tier 1 risk-based capital ratio | 10.4657% | 6,024 |
| Total risk-based capital ratio | 11.7169% | 5,972 |
| Memoranda: | ||
| Average total assets | $191,387,500 | 3,102 |
| Average earning assets | $176,729,500 | 3,094 |
| Average equity | $17,767,000 | 3,488 |
| Average total loans | $160,849,500 | 2,484 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0386% | 716 |
| Cost of funding earning assets | 0.5225% | 2,468 |
| Net interest margin | 4.5161% | 724 |
| Noninterest income to average assets | 0.5360% | 3,264 |
| Noninterest expense to average assets | 3.9592% | 792 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.7617% | 3,559 |
| Return on assets (ROA) | 0.7617% | 3,662 |
| Pretax return on assets | 0.7617% | 4,397 |
| Return on Equity (ROE) | 8.5995% | 2,790 |
| Retained earnings to average equity (ytd only) | 8.5995% | 799 |
| Net charge-offs to loans | 0.1768% | 2,259 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 5.2978% | 3,459 |
| Efficiency ratio | 83.8652% | 1,424 |
| Assets per employee ($millions) | 6.3360% | 1,162 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5580% | 2,233 |
| Loan loss allowance to noncurrent loans | 124.1142% | 3,226 |
| Noncurrent assets plus other real estate owned to assets | 1.8324% | 1,417 |
| Noncurrent loans to loans | 1.2553% | 2,353 |
| Net loans and leases to total assets | 83.8342% | 352 |
| Net loans and leases to deposits | 92.6691% | 1,220 |
| Net loans and leases to core deposits | 95.7719% | 1,743 |
| Total domestic deposits to total assets | 90.4661% | 555 |
| Equity capital to assets | 9.2508% | 5,008 |
| Core capital (leverage) ratio | 9.2274% | 4,638 |
| Tier 1 risk-based capital ratio | 10.2098% | 6,200 |
| Total risk-based capital ratio | 11.4629% | 6,148 |
| Memoranda: | ||
| Average total assets | $189,179,600 | 3,109 |
| Average earning assets | $175,306,600 | 3,097 |
| Average equity | $16,756,800 | 3,565 |
| Average total loans | $153,805,400 | 2,516 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0419% | 716 |
| Cost of funding earning assets | 0.5279% | 2,490 |
| Net interest margin | 4.5140% | 719 |
| Noninterest income to average assets | 0.3535% | 4,612 |
| Noninterest expense to average assets | 3.9296% | 810 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.6111% | 4,395 |
| Return on assets (ROA) | 0.6111% | 4,486 |
| Pretax return on assets | 0.6111% | 4,996 |
| Return on Equity (ROE) | 6.9767% | 3,716 |
| Retained earnings to average equity (ytd only) | 6.9767% | 1,833 |
| Net charge-offs to loans | 0.3118% | 1,278 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 2.4394% | 3,912 |
| Efficiency ratio | 86.5423% | 1,131 |
| Assets per employee ($millions) | 6.5063% | 1,020 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6131% | 2,259 |
| Loan loss allowance to noncurrent loans | 110.5621% | 3,414 |
| Noncurrent assets plus other real estate owned to assets | 1.8767% | 1,567 |
| Noncurrent loans to loans | 1.4590% | 2,233 |
| Net loans and leases to total assets | 76.2142% | 1,193 |
| Net loans and leases to deposits | 83.6864% | 2,194 |
| Net loans and leases to core deposits | 86.2758% | 2,637 |
| Total domestic deposits to total assets | 91.0712% | 344 |
| Equity capital to assets | 8.7198% | 5,628 |
| Core capital (leverage) ratio | 8.8863% | 5,207 |
| Tier 1 risk-based capital ratio | 10.6559% | 6,149 |
| Total risk-based capital ratio | 11.9088% | 6,101 |
| Memoranda: | ||
| Average total assets | $188,954,500 | 3,140 |
| Average earning assets | $175,271,750 | 3,122 |
| Average equity | $16,550,000 | 3,611 |
| Average total loans | $151,788,250 | 2,551 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0038% | 746 |
| Cost of funding earning assets | 0.5339% | 2,502 |
| Net interest margin | 4.4699% | 751 |
| Noninterest income to average assets | 0.2087% | 5,705 |
| Noninterest expense to average assets | 3.7886% | 986 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.5597% | 4,546 |
| Return on assets (ROA) | 0.5597% | 4,651 |
| Pretax return on assets | 0.5597% | 5,098 |
| Return on Equity (ROE) | 6.3806% | 3,949 |
| Retained earnings to average equity (ytd only) | 6.3806% | 2,101 |
| Net charge-offs to loans | 0.5132% | 791 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 1.3410% | 3,838 |
| Efficiency ratio | 87.1277% | 1,174 |
| Assets per employee ($millions) | 6.8547% | 854 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5355% | 2,741 |
| Loan loss allowance to noncurrent loans | 57.3473% | 4,906 |
| Noncurrent assets plus other real estate owned to assets | 3.0517% | 830 |
| Noncurrent loans to loans | 2.6776% | 1,131 |
| Net loans and leases to total assets | 83.2928% | 357 |
| Net loans and leases to deposits | 91.7786% | 1,176 |
| Net loans and leases to core deposits | 94.6102% | 1,728 |
| Total domestic deposits to total assets | 90.7541% | 490 |
| Equity capital to assets | 9.0195% | 5,276 |
| Core capital (leverage) ratio | 9.0177% | 4,993 |
| Tier 1 risk-based capital ratio | 10.0320% | 6,389 |
| Total risk-based capital ratio | 11.2847% | 6,346 |
| Memoranda: | ||
| Average total assets | $186,876,670 | 3,184 |
| Average earning assets | $173,068,670 | 3,158 |
| Average equity | $16,393,330 | 3,637 |
| Average total loans | $151,984,330 | 2,549 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9083% | 860 |
| Cost of funding earning assets | 0.5398% | 2,506 |
| Net interest margin | 4.3686% | 862 |
| Noninterest income to average assets | 0.2066% | 5,701 |
| Noninterest expense to average assets | 3.9771% | 779 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.2982% | 5,498 |
| Return on assets (ROA) | 0.2982% | 5,542 |
| Pretax return on assets | 0.2982% | 5,724 |
| Return on Equity (ROE) | 3.4475% | 5,301 |
| Retained earnings to average equity (ytd only) | 3.4475% | 4,069 |
| Net charge-offs to loans | 0.0053% | 3,552 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 70.0000% | 592 |
| Efficiency ratio | 93.0244% | 817 |
| Assets per employee ($millions) | 6.5949% | 970 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8915% | 1,779 |
| Loan loss allowance to noncurrent loans | 55.0799% | 5,017 |
| Noncurrent assets plus other real estate owned to assets | 3.5785% | 723 |
| Noncurrent loans to loans | 3.4341% | 864 |
| Net loans and leases to total assets | 78.4242% | 711 |
| Net loans and leases to deposits | 86.2127% | 1,577 |
| Net loans and leases to core deposits | 90.3084% | 1,887 |
| Total domestic deposits to total assets | 90.9659% | 582 |
| Equity capital to assets | 8.8326% | 5,292 |
| Core capital (leverage) ratio | 8.6460% | 5,464 |
| Tier 1 risk-based capital ratio | 10.3893% | 6,367 |
| Total risk-based capital ratio | 11.6456% | 6,327 |
| Memoranda: | ||
| Average total assets | $187,777,000 | 3,191 |
| Average earning assets | $174,886,000 | 3,161 |
| Average equity | $16,243,500 | 3,662 |
| Average total loans | $149,697,000 | 2,588 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1336% | 729 |
| Cost of funding earning assets | 0.6068% | 2,599 |
| Net interest margin | 4.5268% | 700 |
| Noninterest income to average assets | 0.2759% | 5,382 |
| Noninterest expense to average assets | 3.8119% | 1,113 |
| Loan and lease loss provision to assets | 0.3526% | 895 |
| Net operating income to assets | 0.3011% | 5,520 |
| Return on assets (ROA) | 0.3011% | 5,616 |
| Pretax return on assets | 0.3011% | 5,732 |
| Return on Equity (ROE) | 3.6729% | 5,251 |
| Retained earnings to average equity (ytd only) | 3.6729% | 3,605 |
| Net charge-offs to loans | 1.6327% | 276 |
| Credit loss provision to net charge-offs | 26.8733% | 4,313 |
| Earnings coverage of net charge-offs (x) | 0.4982% | 4,914 |
| Efficiency ratio | 85.3602% | 1,481 |
| Assets per employee ($millions) | 6.3633% | 1,056 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8407% | 1,945 |
| Loan loss allowance to noncurrent loans | 107.2553% | 3,433 |
| Noncurrent assets plus other real estate owned to assets | 2.4730% | 1,394 |
| Noncurrent loans to loans | 1.7162% | 2,340 |
| Net loans and leases to total assets | 78.0485% | 824 |
| Net loans and leases to deposits | 85.5004% | 1,750 |
| Net loans and leases to core deposits | 90.4633% | 1,968 |
| Total domestic deposits to total assets | 91.2844% | 473 |
| Equity capital to assets | 8.4742% | 5,604 |
| Core capital (leverage) ratio | 8.3611% | 5,814 |
| Tier 1 risk-based capital ratio | 10.0606% | 6,504 |
| Total risk-based capital ratio | 11.3164% | 6,463 |
| Memoranda: | ||
| Average total assets | $194,259,200 | 3,094 |
| Average earning assets | $179,794,800 | 3,073 |
| Average equity | $15,927,600 | 3,713 |
| Average total loans | $156,121,800 | 2,472 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1702% | 689 |
| Cost of funding earning assets | 0.6165% | 2,675 |
| Net interest margin | 4.5537% | 676 |
| Noninterest income to average assets | 0.1763% | 6,136 |
| Noninterest expense to average assets | 3.7853% | 1,102 |
| Loan and lease loss provision to assets | 0.2460% | 1,452 |
| Net operating income to assets | 0.3499% | 5,434 |
| Return on assets (ROA) | 0.3499% | 5,560 |
| Pretax return on assets | 0.3499% | 5,746 |
| Return on Equity (ROE) | 4.3028% | 5,071 |
| Retained earnings to average equity (ytd only) | 4.3028% | 3,619 |
| Net charge-offs to loans | 1.3417% | 393 |
| Credit loss provision to net charge-offs | 22.7560% | 4,024 |
| Earnings coverage of net charge-offs (x) | 0.5512% | 4,680 |
| Efficiency ratio | 86.3984% | 1,330 |
| Assets per employee ($millions) | 6.4426% | 955 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2568% | 1,244 |
| Loan loss allowance to noncurrent loans | 84.7558% | 3,912 |
| Noncurrent assets plus other real estate owned to assets | 3.3558% | 1,035 |
| Noncurrent loans to loans | 2.6627% | 1,585 |
| Net loans and leases to total assets | 76.9973% | 875 |
| Net loans and leases to deposits | 84.2212% | 1,854 |
| Net loans and leases to core deposits | 89.2879% | 2,044 |
| Total domestic deposits to total assets | 91.4227% | 384 |
| Equity capital to assets | 8.3331% | 5,887 |
| Core capital (leverage) ratio | 8.3246% | 5,945 |
| Tier 1 risk-based capital ratio | 10.0424% | 6,593 |
| Total risk-based capital ratio | 11.3036% | 6,552 |
| Memoranda: | ||
| Average total assets | $195,099,500 | 3,112 |
| Average earning assets | $180,155,000 | 3,096 |
| Average equity | $15,865,250 | 3,765 |
| Average total loans | $157,205,500 | 2,471 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1228% | 740 |
| Cost of funding earning assets | 0.6262% | 2,721 |
| Net interest margin | 4.4966% | 710 |
| Noninterest income to average assets | 0.2943% | 5,349 |
| Noninterest expense to average assets | 3.8476% | 1,038 |
| Loan and lease loss provision to assets | 0.2197% | 1,726 |
| Net operating income to assets | 0.3730% | 5,320 |
| Return on assets (ROA) | 0.3730% | 5,488 |
| Pretax return on assets | 0.3730% | 5,697 |
| Return on Equity (ROE) | 4.6246% | 4,937 |
| Retained earnings to average equity (ytd only) | 4.6246% | 3,318 |
| Net charge-offs to loans | 1.3371% | 423 |
| Credit loss provision to net charge-offs | 20.2448% | 3,729 |
| Earnings coverage of net charge-offs (x) | 0.5461% | 4,358 |
| Efficiency ratio | 86.6513% | 1,348 |
| Assets per employee ($millions) | 6.7085% | 822 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5019% | 985 |
| Loan loss allowance to noncurrent loans | 90.8462% | 3,685 |
| Noncurrent assets plus other real estate owned to assets | 3.7909% | 964 |
| Noncurrent loans to loans | 2.7540% | 1,649 |
| Net loans and leases to total assets | 76.3382% | 948 |
| Net loans and leases to deposits | 83.3664% | 1,887 |
| Net loans and leases to core deposits | 88.2504% | 2,079 |
| Total domestic deposits to total assets | 91.5696% | 354 |
| Equity capital to assets | 8.2053% | 6,052 |
| Core capital (leverage) ratio | 8.0290% | 6,167 |
| Tier 1 risk-based capital ratio | 9.8474% | 6,666 |
| Total risk-based capital ratio | 11.1110% | 6,644 |
| Memoranda: | ||
| Average total assets | $195,707,000 | 3,123 |
| Average earning assets | $180,449,330 | 3,105 |
| Average equity | $15,785,000 | 3,805 |
| Average total loans | $158,856,000 | 2,459 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2119% | 593 |
| Cost of funding earning assets | 0.6326% | 2,819 |
| Net interest margin | 4.5793% | 581 |
| Noninterest income to average assets | 0.1386% | 6,408 |
| Noninterest expense to average assets | 4.0471% | 838 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.2955% | 5,584 |
| Return on assets (ROA) | 0.2955% | 5,706 |
| Pretax return on assets | 0.2955% | 5,861 |
| Return on Equity (ROE) | 3.6952% | 5,238 |
| Retained earnings to average equity (ytd only) | 3.6952% | 4,008 |
| Net charge-offs to loans | 2.0330% | 228 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 0.1760% | 3,758 |
| Efficiency ratio | 93.1957% | 897 |
| Assets per employee ($millions) | 6.4268% | 1,010 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4081% | 1,241 |
| Loan loss allowance to noncurrent loans | 125.8700% | 2,762 |
| Noncurrent assets plus other real estate owned to assets | 3.6913% | 1,126 |
| Noncurrent loans to loans | 1.9132% | 2,719 |
| Net loans and leases to total assets | 80.5882% | 374 |
| Net loans and leases to deposits | 88.1092% | 1,139 |
| Net loans and leases to core deposits | 93.6142% | 1,370 |
| Total domestic deposits to total assets | 91.4639% | 362 |
| Equity capital to assets | 8.1772% | 6,269 |
| Core capital (leverage) ratio | 7.9839% | 6,158 |
| Tier 1 risk-based capital ratio | 9.2545% | 6,786 |
| Total risk-based capital ratio | 10.5171% | 6,783 |
| Memoranda: | ||
| Average total assets | $196,287,500 | 3,135 |
| Average earning assets | $180,203,000 | 3,141 |
| Average equity | $15,696,000 | 3,874 |
| Average total loans | $162,122,000 | 2,424 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4656% | 669 |
| Cost of funding earning assets | 0.7435% | 3,130 |
| Net interest margin | 4.7221% | 627 |
| Noninterest income to average assets | -0.0086% | 6,846 |
| Noninterest expense to average assets | 3.7152% | 1,386 |
| Loan and lease loss provision to assets | 1.8193% | 137 |
| Net operating income to assets | -1.1950% | 6,795 |
| Return on assets (ROA) | -1.1950% | 6,804 |
| Pretax return on assets | -1.1950% | 6,782 |
| Return on Equity (ROE) | -15.0401% | 6,824 |
| Retained earnings to average equity (ytd only) | -15.0401% | 6,774 |
| Net charge-offs to loans | 2.3373% | 280 |
| Credit loss provision to net charge-offs | 92.6603% | 3,361 |
| Earnings coverage of net charge-offs (x) | 0.3180% | 5,320 |
| Efficiency ratio | 85.6134% | 1,465 |
| Assets per employee ($millions) | 6.4442% | 1,028 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8225% | 803 |
| Loan loss allowance to noncurrent loans | 121.8096% | 2,805 |
| Noncurrent assets plus other real estate owned to assets | 3.5686% | 1,260 |
| Noncurrent loans to loans | 2.3171% | 2,330 |
| Net loans and leases to total assets | 80.2793% | 444 |
| Net loans and leases to deposits | 87.4173% | 1,340 |
| Net loans and leases to core deposits | 90.7473% | 1,749 |
| Total domestic deposits to total assets | 91.8346% | 275 |
| Equity capital to assets | 7.8220% | 6,491 |
| Core capital (leverage) ratio | 7.7181% | 6,395 |
| Tier 1 risk-based capital ratio | 8.9240% | 6,857 |
| Total risk-based capital ratio | 10.1913% | 6,860 |
| Memoranda: | ||
| Average total assets | $208,873,000 | 2,938 |
| Average earning assets | $192,331,400 | 2,927 |
| Average equity | $16,595,600 | 3,686 |
| Average total loans | $175,456,200 | 2,254 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5116% | 661 |
| Cost of funding earning assets | 0.7705% | 3,181 |
| Net interest margin | 4.7411% | 616 |
| Noninterest income to average assets | 0.0000% | 6,935 |
| Noninterest expense to average assets | 3.6113% | 1,537 |
| Loan and lease loss provision to assets | 2.2732% | 79 |
| Net operating income to assets | -1.5174% | 6,973 |
| Return on assets (ROA) | -1.5174% | 6,981 |
| Pretax return on assets | -1.5174% | 6,959 |
| Return on Equity (ROE) | -19.0279% | 6,980 |
| Retained earnings to average equity (ytd only) | -19.0279% | 6,962 |
| Net charge-offs to loans | 3.1906% | 163 |
| Credit loss provision to net charge-offs | 84.4872% | 3,480 |
| Earnings coverage of net charge-offs (x) | 0.2809% | 5,187 |
| Efficiency ratio | 82.6923% | 1,735 |
| Assets per employee ($millions) | 6.3503% | 1,033 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5747% | 1,110 |
| Loan loss allowance to noncurrent loans | 107.5576% | 3,039 |
| Noncurrent assets plus other real estate owned to assets | 4.0628% | 1,187 |
| Noncurrent loans to loans | 2.3937% | 2,409 |
| Net loans and leases to total assets | 82.6156% | 301 |
| Net loans and leases to deposits | 90.2486% | 1,118 |
| Net loans and leases to core deposits | 96.0769% | 1,408 |
| Total domestic deposits to total assets | 91.5422% | 278 |
| Equity capital to assets | 7.9889% | 6,595 |
| Core capital (leverage) ratio | 7.7607% | 6,488 |
| Tier 1 risk-based capital ratio | 8.8032% | 6,959 |
| Total risk-based capital ratio | 10.0674% | 6,962 |
| Memoranda: | ||
| Average total assets | $211,148,750 | 2,944 |
| Average earning assets | $194,494,500 | 2,931 |
| Average equity | $16,838,000 | 3,684 |
| Average total loans | $178,062,250 | 2,262 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4618% | 782 |
| Cost of funding earning assets | 0.7956% | 3,221 |
| Net interest margin | 4.6662% | 719 |
| Noninterest income to average assets | -0.0472% | 7,055 |
| Noninterest expense to average assets | 3.4792% | 1,832 |
| Loan and lease loss provision to assets | 2.0518% | 137 |
| Net operating income to assets | -1.2755% | 6,975 |
| Return on assets (ROA) | -1.2755% | 6,992 |
| Pretax return on assets | -1.2755% | 6,963 |
| Return on Equity (ROE) | -16.0039% | 6,992 |
| Retained earnings to average equity (ytd only) | -16.0039% | 6,960 |
| Net charge-offs to loans | 3.4571% | 155 |
| Credit loss provision to net charge-offs | 70.4965% | 3,547 |
| Earnings coverage of net charge-offs (x) | 0.2667% | 4,946 |
| Efficiency ratio | 81.7588% | 1,916 |
| Assets per employee ($millions) | 6.6010% | 905 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3146% | 1,568 |
| Loan loss allowance to noncurrent loans | 123.9471% | 2,644 |
| Noncurrent assets plus other real estate owned to assets | 3.6065% | 1,456 |
| Noncurrent loans to loans | 1.8674% | 3,124 |
| Net loans and leases to total assets | 83.1584% | 259 |
| Net loans and leases to deposits | 91.0471% | 1,041 |
| Net loans and leases to core deposits | 96.9071% | 1,360 |
| Total domestic deposits to total assets | 91.3356% | 348 |
| Equity capital to assets | 8.1904% | 6,463 |
| Core capital (leverage) ratio | 8.1172% | 6,145 |
| Tier 1 risk-based capital ratio | 8.9970% | 6,985 |
| Total risk-based capital ratio | 10.2587% | 6,984 |
| Memoranda: | ||
| Average total assets | $215,911,670 | 2,918 |
| Average earning assets | $199,093,000 | 2,880 |
| Average equity | $17,208,330 | 3,610 |
| Average total loans | $181,771,330 | 2,198 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5289% | 717 |
| Cost of funding earning assets | 0.8432% | 3,117 |
| Net interest margin | 4.6857% | 702 |
| Noninterest income to average assets | -0.1553% | 7,185 |
| Noninterest expense to average assets | 3.4358% | 1,924 |
| Loan and lease loss provision to assets | 3.2588% | 60 |
| Net operating income to assets | -2.5258% | 7,193 |
| Return on assets (ROA) | -2.5258% | 7,194 |
| Pretax return on assets | -2.5258% | 7,178 |
| Return on Equity (ROE) | -32.1010% | 7,175 |
| Retained earnings to average equity (ytd only) | -32.1010% | 7,147 |
| Net charge-offs to loans | 2.6170% | 309 |
| Credit loss provision to net charge-offs | 148.6820% | 1,683 |
| Earnings coverage of net charge-offs (x) | 0.3344% | 4,199 |
| Efficiency ratio | 82.4166% | 1,882 |
| Assets per employee ($millions) | 6.3270% | 1,074 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0715% | 778 |
| Loan loss allowance to noncurrent loans | 152.6403% | 2,143 |
| Noncurrent assets plus other real estate owned to assets | 3.8933% | 1,433 |
| Noncurrent loans to loans | 2.0122% | 3,145 |
| Net loans and leases to total assets | 83.8854% | 188 |
| Net loans and leases to deposits | 91.6654% | 821 |
| Net loans and leases to core deposits | 96.5556% | 1,248 |
| Total domestic deposits to total assets | 91.5126% | 374 |
| Equity capital to assets | 8.0132% | 6,515 |
| Core capital (leverage) ratio | 7.5104% | 6,625 |
| Tier 1 risk-based capital ratio | 8.7528% | 7,055 |
| Total risk-based capital ratio | 10.0234% | 7,058 |
| Memoranda: | ||
| Average total assets | $221,552,500 | 2,871 |
| Average earning assets | $204,453,500 | 2,841 |
| Average equity | $17,432,500 | 3,583 |
| Average total loans | $185,557,500 | 2,163 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5305% | 1,095 |
| Cost of funding earning assets | 1.3766% | 1,138 |
| Net interest margin | 4.1539% | 2,216 |
| Noninterest income to average assets | 0.0080% | 6,961 |
| Noninterest expense to average assets | 3.3077% | 2,498 |
| Loan and lease loss provision to assets | 3.3109% | 97 |
| Net operating income to assets | -2.7557% | 7,147 |
| Return on assets (ROA) | -2.7557% | 7,156 |
| Pretax return on assets | -2.7557% | 7,159 |
| Return on Equity (ROE) | -33.6816% | 7,118 |
| Retained earnings to average equity (ytd only) | -33.6816% | 7,112 |
| Net charge-offs to loans | 3.8555% | 170 |
| Credit loss provision to net charge-offs | 103.8186% | 3,322 |
| Earnings coverage of net charge-offs (x) | 0.1741% | 5,707 |
| Efficiency ratio | 85.6269% | 1,602 |
| Assets per employee ($millions) | 7.1004% | 693 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6043% | 1,189 |
| Loan loss allowance to noncurrent loans | 121.0989% | 2,585 |
| Noncurrent assets plus other real estate owned to assets | 3.5039% | 1,692 |
| Noncurrent loans to loans | 2.1505% | 3,006 |
| Net loans and leases to total assets | 79.1505% | 587 |
| Net loans and leases to deposits | 86.1763% | 1,646 |
| Net loans and leases to core deposits | 91.6418% | 1,927 |
| Total domestic deposits to total assets | 91.8472% | 256 |
| Equity capital to assets | 7.7392% | 6,715 |
| Core capital (leverage) ratio | 7.5605% | 6,617 |
| Tier 1 risk-based capital ratio | 8.9530% | 7,041 |
| Total risk-based capital ratio | 10.2179% | 7,043 |
| Memoranda: | ||
| Average total assets | $249,627,000 | 2,530 |
| Average earning assets | $231,659,200 | 2,494 |
| Average equity | $20,423,600 | 3,081 |
| Average total loans | $206,486,600 | 1,982 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5941% | 1,042 |
| Cost of funding earning assets | 1.4406% | 1,061 |
| Net interest margin | 4.1535% | 2,264 |
| Noninterest income to average assets | -0.0163% | 7,133 |
| Noninterest expense to average assets | 3.3383% | 2,381 |
| Loan and lease loss provision to assets | 4.0401% | 59 |
| Net operating income to assets | -3.5377% | 7,302 |
| Return on assets (ROA) | -3.5377% | 7,305 |
| Pretax return on assets | -3.5377% | 7,304 |
| Return on Equity (ROE) | -42.7055% | 7,266 |
| Retained earnings to average equity (ytd only) | -42.7055% | 7,260 |
| Net charge-offs to loans | 4.2576% | 136 |
| Credit loss provision to net charge-offs | 114.2517% | 2,861 |
| Earnings coverage of net charge-offs (x) | 0.1421% | 5,499 |
| Efficiency ratio | 86.9196% | 1,446 |
| Assets per employee ($millions) | 8.0573% | 459 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8618% | 969 |
| Loan loss allowance to noncurrent loans | 113.2110% | 2,641 |
| Noncurrent assets plus other real estate owned to assets | 3.4720% | 1,818 |
| Noncurrent loans to loans | 2.5279% | 2,741 |
| Net loans and leases to total assets | 73.8924% | 1,339 |
| Net loans and leases to deposits | 81.9433% | 2,365 |
| Net loans and leases to core deposits | 88.0264% | 2,485 |
| Total domestic deposits to total assets | 90.1750% | 776 |
| Equity capital to assets | 7.1007% | 7,035 |
| Core capital (leverage) ratio | 7.2921% | 6,860 |
| Tier 1 risk-based capital ratio | 8.7445% | 7,139 |
| Total risk-based capital ratio | 10.0122% | 7,142 |
| Memoranda: | ||
| Average total assets | $253,455,500 | 2,496 |
| Average earning assets | $235,359,500 | 2,458 |
| Average equity | $20,996,000 | 3,008 |
| Average total loans | $210,503,500 | 1,969 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5681% | 1,130 |
| Cost of funding earning assets | 1.4858% | 1,053 |
| Net interest margin | 4.0822% | 2,482 |
| Noninterest income to average assets | 0.0254% | 7,135 |
| Noninterest expense to average assets | 3.3413% | 2,426 |
| Loan and lease loss provision to assets | 3.1191% | 140 |
| Net operating income to assets | -2.6540% | 7,279 |
| Return on assets (ROA) | -2.6540% | 7,286 |
| Pretax return on assets | -2.6540% | 7,272 |
| Return on Equity (ROE) | -30.5500% | 7,250 |
| Retained earnings to average equity (ytd only) | -30.5500% | 7,243 |
| Net charge-offs to loans | 1.6582% | 878 |
| Credit loss provision to net charge-offs | 220.1681% | 1,359 |
| Earnings coverage of net charge-offs (x) | 0.3283% | 5,072 |
| Efficiency ratio | 87.7815% | 1,436 |
| Assets per employee ($millions) | 6.9764% | 733 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2038% | 760 |
| Loan loss allowance to noncurrent loans | 78.8863% | 3,580 |
| Noncurrent assets plus other real estate owned to assets | 5.3913% | 1,101 |
| Noncurrent loans to loans | 4.0612% | 1,702 |
| Net loans and leases to total assets | 84.1412% | 237 |
| Net loans and leases to deposits | 94.4368% | 842 |
| Net loans and leases to core deposits | 100.8403% | 1,267 |
| Total domestic deposits to total assets | 89.0979% | 1,479 |
| Equity capital to assets | 8.0640% | 6,627 |
| Core capital (leverage) ratio | 7.6900% | 6,594 |
| Tier 1 risk-based capital ratio | 8.7900% | 7,195 |
| Total risk-based capital ratio | 10.0624% | 7,194 |
| Memoranda: | ||
| Average total assets | $251,996,330 | 2,525 |
| Average earning assets | $233,402,670 | 2,498 |
| Average equity | $21,892,000 | 2,890 |
| Average total loans | $215,294,000 | 1,943 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3455% | 1,735 |
| Cost of funding earning assets | 1.5109% | 1,119 |
| Net interest margin | 3.8346% | 3,445 |
| Noninterest income to average assets | 0.0469% | 7,149 |
| Noninterest expense to average assets | 3.2121% | 2,857 |
| Loan and lease loss provision to assets | 0.2063% | 3,577 |
| Net operating income to assets | 0.1829% | 5,842 |
| Return on assets (ROA) | 0.1829% | 5,899 |
| Pretax return on assets | 0.1829% | 5,979 |
| Return on Equity (ROE) | 2.0354% | 5,772 |
| Retained earnings to average equity (ytd only) | 2.0354% | 4,913 |
| Net charge-offs to loans | 1.7674% | 740 |
| Credit loss provision to net charge-offs | 13.7787% | 4,348 |
| Earnings coverage of net charge-offs (x) | 0.2599% | 4,416 |
| Efficiency ratio | 89.1927% | 1,399 |
| Assets per employee ($millions) | 7.0218% | 726 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7956% | 3,024 |
| Loan loss allowance to noncurrent loans | 44.7889% | 5,318 |
| Noncurrent assets plus other real estate owned to assets | 5.1079% | 1,229 |
| Noncurrent loans to loans | 4.0090% | 1,811 |
| Net loans and leases to total assets | 82.8434% | 287 |
| Net loans and leases to deposits | 93.9915% | 826 |
| Net loans and leases to core deposits | 101.8263% | 1,215 |
| Total domestic deposits to total assets | 88.1392% | 2,296 |
| Equity capital to assets | 9.1221% | 5,001 |
| Core capital (leverage) ratio | 8.8557% | 4,843 |
| Tier 1 risk-based capital ratio | 10.1027% | 6,970 |
| Total risk-based capital ratio | 11.3580% | 6,968 |
| Memoranda: | ||
| Average total assets | $255,908,000 | 2,510 |
| Average earning assets | $237,207,500 | 2,470 |
| Average equity | $22,993,000 | 2,747 |
| Average total loans | $216,816,000 | 1,953 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5159% | 2,217 |
| Cost of funding earning assets | 1.5570% | 2,323 |
| Net interest margin | 3.9589% | 3,221 |
| Noninterest income to average assets | 0.3158% | 5,535 |
| Noninterest expense to average assets | 2.9766% | 3,939 |
| Loan and lease loss provision to assets | 1.1945% | 1,317 |
| Net operating income to assets | -0.1422% | 6,040 |
| Return on assets (ROA) | -0.1422% | 6,099 |
| Pretax return on assets | -0.1422% | 6,036 |
| Return on Equity (ROE) | -1.6461% | 6,133 |
| Retained earnings to average equity (ytd only) | -1.6461% | 5,909 |
| Net charge-offs to loans | 1.1080% | 2,012 |
| Credit loss provision to net charge-offs | 124.2236% | 3,317 |
| Earnings coverage of net charge-offs (x) | 1.0943% | 5,018 |
| Efficiency ratio | 73.8812% | 3,418 |
| Assets per employee ($millions) | 7.1954% | 679 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1122% | 2,044 |
| Loan loss allowance to noncurrent loans | 32.9115% | 6,123 |
| Noncurrent assets plus other real estate owned to assets | 7.1539% | 752 |
| Noncurrent loans to loans | 6.4177% | 944 |
| Net loans and leases to total assets | 83.2844% | 357 |
| Net loans and leases to deposits | 94.1022% | 1,057 |
| Net loans and leases to core deposits | 101.1886% | 1,522 |
| Total domestic deposits to total assets | 88.5042% | 1,944 |
| Equity capital to assets | 8.8510% | 5,354 |
| Core capital (leverage) ratio | 8.6206% | 5,160 |
| Tier 1 risk-based capital ratio | 9.8347% | 7,042 |
| Total risk-based capital ratio | 11.0939% | 7,033 |
| Memoranda: | ||
| Average total assets | $267,890,000 | 2,382 |
| Average earning assets | $251,257,600 | 2,329 |
| Average equity | $23,145,800 | 2,745 |
| Average total loans | $232,489,800 | 1,880 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5340% | 2,315 |
| Cost of funding earning assets | 1.5680% | 2,560 |
| Net interest margin | 3.9660% | 3,255 |
| Noninterest income to average assets | 0.3278% | 5,535 |
| Noninterest expense to average assets | 3.0170% | 3,681 |
| Loan and lease loss provision to assets | 1.0070% | 1,472 |
| Net operating income to assets | 0.0331% | 5,918 |
| Return on assets (ROA) | 0.0331% | 6,053 |
| Pretax return on assets | 0.0331% | 6,036 |
| Return on Equity (ROE) | 0.3850% | 6,032 |
| Retained earnings to average equity (ytd only) | 0.3850% | 5,637 |
| Net charge-offs to loans | 1.2574% | 1,621 |
| Credit loss provision to net charge-offs | 91.8505% | 4,696 |
| Earnings coverage of net charge-offs (x) | 0.9487% | 5,110 |
| Efficiency ratio | 74.3643% | 3,254 |
| Assets per employee ($millions) | 7.4131% | 645 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6801% | 3,216 |
| Loan loss allowance to noncurrent loans | 34.1979% | 6,047 |
| Noncurrent assets plus other real estate owned to assets | 5.9551% | 1,005 |
| Noncurrent loans to loans | 4.9129% | 1,426 |
| Net loans and leases to total assets | 86.8364% | 148 |
| Net loans and leases to deposits | 98.3525% | 774 |
| Net loans and leases to core deposits | 107.2269% | 1,217 |
| Total domestic deposits to total assets | 88.2910% | 1,802 |
| Equity capital to assets | 9.0419% | 5,522 |
| Core capital (leverage) ratio | 8.7231% | 5,148 |
| Tier 1 risk-based capital ratio | 9.6315% | 7,217 |
| Total risk-based capital ratio | 10.8856% | 7,205 |
| Memoranda: | ||
| Average total assets | $270,104,250 | 2,392 |
| Average earning assets | $253,987,500 | 2,338 |
| Average equity | $23,200,500 | 2,777 |
| Average total loans | $235,515,000 | 1,878 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4108% | 2,931 |
| Cost of funding earning assets | 1.5756% | 2,798 |
| Net interest margin | 3.8352% | 3,734 |
| Noninterest income to average assets | 0.3143% | 5,645 |
| Noninterest expense to average assets | 2.9607% | 3,851 |
| Loan and lease loss provision to assets | 1.4909% | 891 |
| Net operating income to assets | -0.5189% | 6,668 |
| Return on assets (ROA) | -0.5189% | 6,706 |
| Pretax return on assets | -0.5189% | 6,606 |
| Return on Equity (ROE) | -6.1435% | 6,779 |
| Retained earnings to average equity (ytd only) | -6.1435% | 6,667 |
| Net charge-offs to loans | 1.6353% | 1,159 |
| Credit loss provision to net charge-offs | 104.9923% | 3,884 |
| Earnings coverage of net charge-offs (x) | 0.6845% | 5,060 |
| Efficiency ratio | 75.2834% | 3,212 |
| Assets per employee ($millions) | 7.7763% | 548 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7616% | 2,847 |
| Loan loss allowance to noncurrent loans | 31.8962% | 6,237 |
| Noncurrent assets plus other real estate owned to assets | 6.0247% | 973 |
| Noncurrent loans to loans | 5.5230% | 1,195 |
| Net loans and leases to total assets | 87.0671% | 167 |
| Net loans and leases to deposits | 99.0875% | 793 |
| Net loans and leases to core deposits | 113.8566% | 924 |
| Total domestic deposits to total assets | 87.8689% | 2,071 |
| Equity capital to assets | 8.5709% | 6,062 |
| Core capital (leverage) ratio | 8.2107% | 5,925 |
| Tier 1 risk-based capital ratio | 9.2745% | 7,346 |
| Total risk-based capital ratio | 10.5298% | 7,344 |
| Memoranda: | ||
| Average total assets | $273,653,000 | 2,381 |
| Average earning assets | $258,186,000 | 2,326 |
| Average equity | $23,114,000 | 2,783 |
| Average total loans | $237,635,330 | 1,884 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2543% | 3,764 |
| Cost of funding earning assets | 1.5682% | 3,149 |
| Net interest margin | 3.6861% | 4,321 |
| Noninterest income to average assets | 0.4125% | 4,790 |
| Noninterest expense to average assets | 2.8992% | 4,067 |
| Loan and lease loss provision to assets | 0.9343% | 1,351 |
| Net operating income to assets | 0.0589% | 6,131 |
| Return on assets (ROA) | 0.0589% | 6,241 |
| Pretax return on assets | 0.0589% | 6,232 |
| Return on Equity (ROE) | 0.7026% | 6,206 |
| Retained earnings to average equity (ytd only) | 0.7026% | 5,542 |
| Net charge-offs to loans | 0.8458% | 1,843 |
| Credit loss provision to net charge-offs | 128.4585% | 2,742 |
| Earnings coverage of net charge-offs (x) | 1.3656% | 3,929 |
| Efficiency ratio | 74.4830% | 3,491 |
| Assets per employee ($millions) | 8.2403% | 463 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7616% | 2,857 |
| Loan loss allowance to noncurrent loans | 48.6030% | 5,094 |
| Noncurrent assets plus other real estate owned to assets | 3.7723% | 1,841 |
| Noncurrent loans to loans | 3.6244% | 2,192 |
| Net loans and leases to total assets | 83.1028% | 466 |
| Net loans and leases to deposits | 95.0222% | 1,228 |
| Net loans and leases to core deposits | 111.6996% | 1,184 |
| Total domestic deposits to total assets | 87.4562% | 2,382 |
| Equity capital to assets | 8.3313% | 6,260 |
| Core capital (leverage) ratio | 8.2994% | 5,743 |
| Tier 1 risk-based capital ratio | 9.4436% | 7,331 |
| Total risk-based capital ratio | 10.6997% | 7,327 |
| Memoranda: | ||
| Average total assets | $278,282,000 | 2,407 |
| Average earning assets | $262,716,500 | 2,333 |
| Average equity | $23,340,500 | 2,787 |
| Average total loans | $239,288,500 | 1,931 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6313% | 3,433 |
| Cost of funding earning assets | 1.6607% | 4,728 |
| Net interest margin | 3.9706% | 2,983 |
| Noninterest income to average assets | 0.2640% | 6,229 |
| Noninterest expense to average assets | 2.6471% | 5,606 |
| Loan and lease loss provision to assets | 1.5750% | 1,457 |
| Net operating income to assets | -0.2017% | 5,843 |
| Return on assets (ROA) | -0.2017% | 5,834 |
| Pretax return on assets | -0.2017% | 5,704 |
| Return on Equity (ROE) | -2.4098% | 5,912 |
| Retained earnings to average equity (ytd only) | -4.0920% | 5,881 |
| Net charge-offs to loans | 1.4298% | 1,758 |
| Credit loss provision to net charge-offs | 125.8083% | 4,153 |
| Earnings coverage of net charge-offs (x) | 1.0970% | 5,012 |
| Efficiency ratio | 65.8408% | 5,425 |
| Assets per employee ($millions) | 7.8969% | 538 |
| Cash dividends to net income (ytd only)* | -69.8080% | 7,853 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6682% | 3,012 |
| Loan loss allowance to noncurrent loans | 54.1230% | 4,739 |
| Noncurrent assets plus other real estate owned to assets | 3.7751% | 1,765 |
| Noncurrent loans to loans | 3.0823% | 2,487 |
| Net loans and leases to total assets | 85.9436% | 283 |
| Net loans and leases to deposits | 99.2612% | 967 |
| Net loans and leases to core deposits | 135.3261% | 987 |
| Total domestic deposits to total assets | 86.5832% | 2,711 |
| Equity capital to assets | 8.4441% | 5,987 |
| Core capital (leverage) ratio | 8.3619% | 5,517 |
| Tier 1 risk-based capital ratio | 9.1852% | 7,383 |
| Total risk-based capital ratio | 10.4390% | 7,385 |
| Memoranda: | ||
| Average total assets | $284,122,000 | 2,319 |
| Average earning assets | $268,802,200 | 2,247 |
| Average equity | $23,778,200 | 2,757 |
| Average total loans | $248,781,000 | 1,899 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6960% | 3,358 |
| Cost of funding earning assets | 1.6864% | 4,970 |
| Net interest margin | 4.0096% | 2,771 |
| Noninterest income to average assets | 0.2899% | 6,163 |
| Noninterest expense to average assets | 2.6610% | 5,489 |
| Loan and lease loss provision to assets | 1.3517% | 1,429 |
| Net operating income to assets | 0.0750% | 5,541 |
| Return on assets (ROA) | 0.0750% | 5,581 |
| Pretax return on assets | 0.0750% | 5,570 |
| Return on Equity (ROE) | 0.8986% | 5,530 |
| Retained earnings to average equity (ytd only) | -1.3340% | 5,568 |
| Net charge-offs to loans | 1.5148% | 1,347 |
| Credit loss provision to net charge-offs | 101.8616% | 4,997 |
| Earnings coverage of net charge-offs (x) | 1.0752% | 4,980 |
| Efficiency ratio | 65.0969% | 5,532 |
| Assets per employee ($millions) | 7.9176% | 530 |
| Cash dividends to net income (ytd only)* | 248.4487% | 142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2859% | 4,590 |
| Loan loss allowance to noncurrent loans | 34.7078% | 6,100 |
| Noncurrent assets plus other real estate owned to assets | 4.0110% | 1,593 |
| Noncurrent loans to loans | 3.7048% | 2,010 |
| Net loans and leases to total assets | 87.6795% | 220 |
| Net loans and leases to deposits | 101.8759% | 934 |
| Net loans and leases to core deposits | 136.5575% | 1,073 |
| Total domestic deposits to total assets | 86.0650% | 2,673 |
| Equity capital to assets | 8.6834% | 5,979 |
| Core capital (leverage) ratio | 8.4832% | 5,527 |
| Tier 1 risk-based capital ratio | 9.2660% | 7,508 |
| Total risk-based capital ratio | 10.4872% | 7,512 |
| Memoranda: | ||
| Average total assets | $286,054,250 | 2,317 |
| Average earning assets | $270,944,500 | 2,251 |
| Average equity | $23,888,000 | 2,771 |
| Average total loans | $250,583,250 | 1,912 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7117% | 3,469 |
| Cost of funding earning assets | 1.7328% | 5,106 |
| Net interest margin | 3.9788% | 2,793 |
| Noninterest income to average assets | 0.2553% | 6,449 |
| Noninterest expense to average assets | 2.5589% | 5,904 |
| Loan and lease loss provision to assets | 1.4566% | 1,191 |
| Net operating income to assets | 0.0007% | 5,830 |
| Return on assets (ROA) | 0.0007% | 5,912 |
| Pretax return on assets | 0.0007% | 5,867 |
| Return on Equity (ROE) | 0.0084% | 5,917 |
| Retained earnings to average equity (ytd only) | -3.3488% | 6,023 |
| Net charge-offs to loans | 1.3481% | 1,382 |
| Credit loss provision to net charge-offs | 123.8964% | 3,755 |
| Earnings coverage of net charge-offs (x) | 1.2396% | 4,605 |
| Efficiency ratio | 63.7147% | 5,967 |
| Assets per employee ($millions) | 8.2908% | 444 |
| Cash dividends to net income (ytd only)* | 40,000.0000% | 2 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3748% | 3,864 |
| Loan loss allowance to noncurrent loans | 48.9359% | 5,081 |
| Noncurrent assets plus other real estate owned to assets | 2.8241% | 2,275 |
| Noncurrent loans to loans | 2.8094% | 2,561 |
| Net loans and leases to total assets | 86.9708% | 301 |
| Net loans and leases to deposits | 100.6625% | 1,219 |
| Net loans and leases to core deposits | 137.4001% | 1,135 |
| Total domestic deposits to total assets | 86.3984% | 2,570 |
| Equity capital to assets | 8.2311% | 6,439 |
| Core capital (leverage) ratio | 8.2524% | 5,884 |
| Tier 1 risk-based capital ratio | 8.9082% | 7,741 |
| Total risk-based capital ratio | 10.1588% | 7,778 |
| Memoranda: | ||
| Average total assets | $289,033,670 | 2,327 |
| Average earning assets | $273,196,000 | 2,265 |
| Average equity | $23,829,670 | 2,775 |
| Average total loans | $252,064,670 | 1,937 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8021% | 3,291 |
| Cost of funding earning assets | 1.8449% | 4,903 |
| Net interest margin | 3.9572% | 2,824 |
| Noninterest income to average assets | 0.3092% | 5,971 |
| Noninterest expense to average assets | 2.5709% | 5,570 |
| Loan and lease loss provision to assets | 1.0372% | 1,265 |
| Net operating income to assets | 0.4160% | 4,792 |
| Return on assets (ROA) | 0.4160% | 4,969 |
| Pretax return on assets | 0.4160% | 5,349 |
| Return on Equity (ROE) | 5.0416% | 4,460 |
| Retained earnings to average equity (ytd only) | 5.0416% | 3,101 |
| Net charge-offs to loans | 0.9962% | 1,348 |
| Credit loss provision to net charge-offs | 120.0642% | 3,272 |
| Earnings coverage of net charge-offs (x) | 1.6822% | 3,887 |
| Efficiency ratio | 63.8870% | 5,709 |
| Assets per employee ($millions) | 8.6347% | 402 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2786% | 4,215 |
| Loan loss allowance to noncurrent loans | 49.9923% | 5,198 |
| Noncurrent assets plus other real estate owned to assets | 3.0392% | 1,857 |
| Noncurrent loans to loans | 2.5575% | 2,577 |
| Net loans and leases to total assets | 82.7021% | 897 |
| Net loans and leases to deposits | 94.9732% | 2,114 |
| Net loans and leases to core deposits | 140.1310% | 1,094 |
| Total domestic deposits to total assets | 87.0794% | 2,176 |
| Equity capital to assets | 7.9625% | 6,867 |
| Core capital (leverage) ratio | 8.5535% | 5,425 |
| Tier 1 risk-based capital ratio | 8.9740% | 7,805 |
| Total risk-based capital ratio | 10.1868% | 7,866 |
| Memoranda: | ||
| Average total assets | $288,461,000 | 2,343 |
| Average earning assets | $270,796,500 | 2,287 |
| Average equity | $23,802,000 | 2,794 |
| Average total loans | $250,152,500 | 1,965 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0037% | 1,124 |
| Cost of funding earning assets | 2.5089% | 4,161 |
| Net interest margin | 4.4948% | 1,439 |
| Noninterest income to average assets | 0.2980% | 6,329 |
| Noninterest expense to average assets | 2.7013% | 5,260 |
| Loan and lease loss provision to assets | 1.2468% | 1,150 |
| Net operating income to assets | 0.5569% | 4,495 |
| Return on assets (ROA) | 0.5569% | 4,351 |
| Pretax return on assets | 0.5569% | 4,829 |
| Return on Equity (ROE) | 6.4453% | 3,779 |
| Retained earnings to average equity (ytd only) | 1.6812% | 4,208 |
| Net charge-offs to loans | 1.0786% | 1,131 |
| Credit loss provision to net charge-offs | 130.5429% | 4,075 |
| Earnings coverage of net charge-offs (x) | 1.8885% | 5,121 |
| Efficiency ratio | 59.9631% | 6,343 |
| Assets per employee ($millions) | 7.2291% | 639 |
| Cash dividends to net income (ytd only)* | 73.9161% | 1,993 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2593% | 4,053 |
| Loan loss allowance to noncurrent loans | 181.6696% | 2,119 |
| Noncurrent assets plus other real estate owned to assets | 1.4958% | 3,230 |
| Noncurrent loans to loans | 0.6932% | 5,303 |
| Net loans and leases to total assets | 88.8284% | 297 |
| Net loans and leases to deposits | 103.4821% | 1,399 |
| Net loans and leases to core deposits | 161.5001% | 547 |
| Total domestic deposits to total assets | 85.8394% | 2,477 |
| Equity capital to assets | 8.5692% | 5,980 |
| Core capital (leverage) ratio | 8.6272% | 5,327 |
| Tier 1 risk-based capital ratio | 8.9658% | 7,810 |
| Total risk-based capital ratio | 10.1606% | 7,862 |
| Memoranda: | ||
| Average total assets | $252,656,400 | 2,536 |
| Average earning assets | $236,474,000 | 2,488 |
| Average equity | $21,830,000 | 2,995 |
| Average total loans | $223,708,800 | 2,095 |