Home > Desjardins Bank > Performance and Condition Ratios
Desjardins Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5353% | 3,039 |
| Cost of funding earning assets | 0.5303% | 4,170 |
| Net interest margin | 4.0050% | 1,198 |
| Noninterest income to average assets | 0.8100% | 915 |
| Noninterest expense to average assets | 2.6647% | 1,831 |
| Loan and lease loss provision to assets | 0.0300% | 2,526 |
| Net operating income to assets | 1.5187% | 977 |
| Return on assets (ROA) | 1.5187% | 949 |
| Pretax return on assets | 2.0354% | 634 |
| Return on Equity (ROE) | 10.3000% | 2,406 |
| Retained earnings to average equity (ytd only) | 10.2988% | 940 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 56.3313% | 3,466 |
| Assets per employee ($millions) | 7.4725% | 1,745 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0164% | 3,225 |
| Loan loss allowance to noncurrent loans | 919.1781% | 956 |
| Noncurrent assets plus other real estate owned to assets | 0.0849% | 2,973 |
| Noncurrent loans to loans | 0.1106% | 2,978 |
| Net loans and leases to total assets | 76.0400% | 1,111 |
| Net loans and leases to deposits | 100.0054% | 537 |
| Net loans and leases to core deposits | 105.0264% | 1,165 |
| Total domestic deposits to total assets | 76.0400% | 3,937 |
| Equity capital to assets | 15.8235% | 483 |
| Core capital (leverage) ratio | 15.9229% | 495 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $346,079,600 | 2,208 |
| Average earning assets | $338,501,800 | 2,134 |
| Average equity | $51,035,200 | 1,586 |
| Average total loans | $254,847,800 | 1,978 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4383% | 3,026 |
| Cost of funding earning assets | 0.5331% | 4,088 |
| Net interest margin | 3.9052% | 1,387 |
| Noninterest income to average assets | 0.8000% | 949 |
| Noninterest expense to average assets | 2.7257% | 1,594 |
| Loan and lease loss provision to assets | 0.0400% | 2,145 |
| Net operating income to assets | 1.3861% | 1,353 |
| Return on assets (ROA) | 1.3861% | 1,337 |
| Pretax return on assets | 1.8577% | 916 |
| Return on Equity (ROE) | 9.5700% | 2,778 |
| Retained earnings to average equity (ytd only) | 9.5729% | 1,526 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 58.9503% | 3,093 |
| Assets per employee ($millions) | 9.1387% | 887 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0260% | 3,230 |
| Loan loss allowance to noncurrent loans | 304.3084% | 2,004 |
| Noncurrent assets plus other real estate owned to assets | 0.2540% | 2,000 |
| Noncurrent loans to loans | 0.3372% | 2,023 |
| Net loans and leases to total assets | 74.5600% | 1,289 |
| Net loans and leases to deposits | 95.2672% | 801 |
| Net loans and leases to core deposits | 100.2711% | 1,306 |
| Total domestic deposits to total assets | 78.2600% | 3,787 |
| Equity capital to assets | 15.1870% | 514 |
| Core capital (leverage) ratio | 15.6975% | 537 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $346,665,750 | 2,214 |
| Average earning assets | $339,163,000 | 2,135 |
| Average equity | $50,196,250 | 1,589 |
| Average total loans | $252,545,250 | 1,988 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3363% | 3,026 |
| Cost of funding earning assets | 0.5204% | 3,941 |
| Net interest margin | 3.8159% | 1,591 |
| Noninterest income to average assets | 0.9100% | 672 |
| Noninterest expense to average assets | 2.7847% | 1,450 |
| Loan and lease loss provision to assets | 0.0100% | 2,681 |
| Net operating income to assets | 1.3779% | 1,388 |
| Return on assets (ROA) | 1.3779% | 1,365 |
| Pretax return on assets | 1.8467% | 943 |
| Return on Equity (ROE) | 9.6700% | 2,799 |
| Retained earnings to average equity (ytd only) | 9.6741% | 1,494 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 59.9776% | 2,958 |
| Assets per employee ($millions) | 8.6056% | 1,045 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0251% | 3,316 |
| Loan loss allowance to noncurrent loans | 551.8047% | 1,452 |
| Noncurrent assets plus other real estate owned to assets | 0.1403% | 2,567 |
| Noncurrent loans to loans | 0.1858% | 2,544 |
| Net loans and leases to total assets | 74.7700% | 1,196 |
| Net loans and leases to deposits | 97.8697% | 617 |
| Net loans and leases to core deposits | 103.9658% | 1,057 |
| Total domestic deposits to total assets | 76.3900% | 4,013 |
| Equity capital to assets | 15.3517% | 491 |
| Core capital (leverage) ratio | 15.1657% | 572 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $346,464,000 | 2,215 |
| Average earning assets | $338,954,000 | 2,145 |
| Average equity | $49,348,333 | 1,612 |
| Average total loans | $249,525,667 | 2,002 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1572% | 3,123 |
| Cost of funding earning assets | 0.4057% | 3,956 |
| Net interest margin | 3.7514% | 1,789 |
| Noninterest income to average assets | 1.0200% | 555 |
| Noninterest expense to average assets | 2.7759% | 1,495 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.4232% | 1,343 |
| Return on assets (ROA) | 1.4232% | 1,316 |
| Pretax return on assets | 1.9074% | 903 |
| Return on Equity (ROE) | 10.3800% | 2,671 |
| Retained earnings to average equity (ytd only) | 10.3769% | 1,609 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 59.2718% | 3,048 |
| Assets per employee ($millions) | 7.4763% | 1,638 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0323% | 3,375 |
| Loan loss allowance to noncurrent loans | 257,900.0000% | 6 |
| Noncurrent assets plus other real estate owned to assets | 0.0003% | 3,951 |
| Noncurrent loans to loans | 0.0004% | 3,882 |
| Net loans and leases to total assets | 70.3600% | 1,585 |
| Net loans and leases to deposits | 89.1471% | 1,123 |
| Net loans and leases to core deposits | 94.4581% | 1,361 |
| Total domestic deposits to total assets | 78.9300% | 3,904 |
| Equity capital to assets | 14.3394% | 547 |
| Core capital (leverage) ratio | 14.7448% | 622 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $351,887,000 | 2,225 |
| Average earning assets | $344,081,500 | 2,156 |
| Average equity | $48,261,000 | 1,651 |
| Average total loans | $247,522,500 | 2,035 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2247% | 3,770 |
| Cost of funding earning assets | 0.0624% | 4,536 |
| Net interest margin | 3.1623% | 2,978 |
| Noninterest income to average assets | 0.7700% | 1,080 |
| Noninterest expense to average assets | 2.7246% | 1,501 |
| Loan and lease loss provision to assets | 0.0500% | 1,921 |
| Net operating income to assets | 0.8211% | 3,250 |
| Return on assets (ROA) | 0.8211% | 3,183 |
| Pretax return on assets | 1.1007% | 2,765 |
| Return on Equity (ROE) | 7.5700% | 3,496 |
| Retained earnings to average equity (ytd only) | 7.5652% | 2,001 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 70.3434% | 1,640 |
| Assets per employee ($millions) | 6.6488% | 2,217 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0517% | 3,112 |
| 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 | 68.8600% | 1,748 |
| Net loans and leases to deposits | 81.7006% | 1,641 |
| Net loans and leases to core deposits | 84.4977% | 1,846 |
| Total domestic deposits to total assets | 84.2800% | 3,153 |
| Equity capital to assets | 13.0922% | 687 |
| Core capital (leverage) ratio | 13.2287% | 881 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $354,141,200 | 2,208 |
| Average earning assets | $347,630,600 | 2,118 |
| Average equity | $38,439,000 | 1,976 |
| Average total loans | $221,224,600 | 2,104 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9701% | 3,937 |
| Cost of funding earning assets | 0.0632% | 4,511 |
| Net interest margin | 2.9070% | 3,483 |
| Noninterest income to average assets | 0.7400% | 1,176 |
| Noninterest expense to average assets | 2.6739% | 1,522 |
| Loan and lease loss provision to assets | 0.0300% | 2,122 |
| Net operating income to assets | 0.7111% | 3,536 |
| Return on assets (ROA) | 0.7111% | 3,491 |
| Pretax return on assets | 0.8994% | 3,314 |
| Return on Equity (ROE) | 6.9000% | 3,610 |
| Retained earnings to average equity (ytd only) | 6.9048% | 2,400 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 74.2818% | 1,249 |
| Assets per employee ($millions) | 8.1575% | 1,240 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0515% | 3,246 |
| 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 | 66.5000% | 1,834 |
| Net loans and leases to deposits | 77.1114% | 1,789 |
| Net loans and leases to core deposits | 78.1656% | 2,027 |
| Total domestic deposits to total assets | 86.2400% | 3,008 |
| Equity capital to assets | 12.8627% | 699 |
| Core capital (leverage) ratio | 12.6159% | 1,021 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $354,580,000 | 2,222 |
| Average earning assets | $348,351,750 | 2,132 |
| Average equity | $36,515,000 | 2,090 |
| Average total loans | $215,225,750 | 2,134 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6570% | 4,209 |
| Cost of funding earning assets | 0.0246% | 4,707 |
| Net interest margin | 2.6324% | 3,846 |
| Noninterest income to average assets | 0.8150% | 1,011 |
| Noninterest expense to average assets | 2.7011% | 1,390 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.5485% | 3,767 |
| Return on assets (ROA) | 0.5485% | 3,718 |
| Pretax return on assets | 0.7014% | 3,569 |
| Return on Equity (ROE) | 5.8014% | 3,628 |
| Retained earnings to average equity (ytd only) | 5.8014% | 2,401 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.3855% | 993 |
| Assets per employee ($millions) | 8.8686% | 931 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0712% | 3,273 |
| 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 | 57.0165% | 2,637 |
| Net loans and leases to deposits | 63.0067% | 2,802 |
| Net loans and leases to core deposits | 63.7116% | 2,995 |
| Total domestic deposits to total assets | 90.4927% | 1,469 |
| Equity capital to assets | 8.7651% | 2,561 |
| Core capital (leverage) ratio | 9.1685% | 3,264 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $355,849,000 | 2,224 |
| Average earning assets | $349,797,333 | 2,141 |
| Average equity | $33,647,000 | 2,249 |
| Average total loans | $208,382,667 | 2,178 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5025% | 4,266 |
| Cost of funding earning assets | 0.0313% | 4,703 |
| Net interest margin | 2.4713% | 3,951 |
| Noninterest income to average assets | 0.9319% | 795 |
| Noninterest expense to average assets | 2.9138% | 932 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.3331% | 4,084 |
| Return on assets (ROA) | 0.3331% | 4,052 |
| Pretax return on assets | 0.4465% | 3,954 |
| Return on Equity (ROE) | 3.3804% | 4,015 |
| Retained earnings to average equity (ytd only) | 3.3804% | 3,146 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.7135% | 691 |
| Assets per employee ($millions) | 7.3948% | 1,741 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1800% | 2,960 |
| Loan loss allowance to noncurrent loans | 7,528.1250% | 192 |
| Noncurrent assets plus other real estate owned to assets | 0.0090% | 3,982 |
| Noncurrent loans to loans | 0.0157% | 3,897 |
| Net loans and leases to total assets | 56.8390% | 2,437 |
| Net loans and leases to deposits | 63.3576% | 2,583 |
| Net loans and leases to core deposits | 65.4284% | 2,677 |
| Total domestic deposits to total assets | 89.7115% | 1,709 |
| Equity capital to assets | 9.4408% | 2,332 |
| Core capital (leverage) ratio | 10.0853% | 2,202 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $338,665,000 | 2,305 |
| Average earning assets | $332,782,500 | 2,222 |
| Average equity | $33,369,000 | 2,312 |
| Average total loans | $200,125,500 | 2,230 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9036% | 4,046 |
| Cost of funding earning assets | 0.0482% | 4,695 |
| Net interest margin | 2.8554% | 3,541 |
| Noninterest income to average assets | 0.7732% | 1,526 |
| Noninterest expense to average assets | 3.2486% | 676 |
| Loan and lease loss provision to assets | 0.0128% | 2,828 |
| Net operating income to assets | 0.2267% | 4,508 |
| Return on assets (ROA) | 0.2267% | 4,525 |
| Pretax return on assets | 0.3041% | 4,490 |
| Return on Equity (ROE) | 1.8921% | 4,511 |
| Retained earnings to average equity (ytd only) | 1.8921% | 4,010 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.1129% | 289 |
| Assets per employee ($millions) | 6.5792% | 2,258 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2285% | 2,740 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 60.0790% | 2,153 |
| Net loans and leases to deposits | 67.6481% | 2,338 |
| Net loans and leases to core deposits | 69.9882% | 2,447 |
| Total domestic deposits to total assets | 88.8111% | 1,613 |
| Equity capital to assets | 10.3070% | 2,365 |
| Core capital (leverage) ratio | 10.8003% | 1,689 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $273,931,400 | 2,578 |
| Average earning assets | $267,875,200 | 2,503 |
| Average equity | $32,821,200 | 2,392 |
| Average total loans | $182,702,800 | 2,365 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9973% | 4,009 |
| Cost of funding earning assets | 0.0522% | 4,769 |
| Net interest margin | 2.9451% | 3,447 |
| Noninterest income to average assets | 0.7348% | 1,712 |
| Noninterest expense to average assets | 3.4471% | 497 |
| Loan and lease loss provision to assets | 0.0126% | 2,740 |
| Net operating income to assets | 0.1105% | 4,692 |
| Return on assets (ROA) | 0.1105% | 4,710 |
| Pretax return on assets | 0.1487% | 4,691 |
| Return on Equity (ROE) | 0.8843% | 4,698 |
| Retained earnings to average equity (ytd only) | 0.8843% | 4,435 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.5264% | 201 |
| Assets per employee ($millions) | 6.5463% | 2,209 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2949% | 2,515 |
| Loan loss allowance to noncurrent loans | 409.3857% | 1,592 |
| Noncurrent assets plus other real estate owned to assets | 0.2082% | 2,744 |
| Noncurrent loans to loans | 0.3163% | 2,646 |
| Net loans and leases to total assets | 64.9642% | 1,659 |
| Net loans and leases to deposits | 74.1304% | 1,843 |
| Net loans and leases to core deposits | 78.7134% | 1,838 |
| Total domestic deposits to total assets | 87.6350% | 2,042 |
| Equity capital to assets | 11.6608% | 1,565 |
| Core capital (leverage) ratio | 11.4592% | 1,392 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $261,818,750 | 2,680 |
| Average earning assets | $255,467,250 | 2,602 |
| Average equity | $32,719,500 | 2,430 |
| Average total loans | $179,355,250 | 2,429 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0735% | 3,921 |
| Cost of funding earning assets | 0.0523% | 4,814 |
| Net interest margin | 3.0211% | 3,269 |
| Noninterest income to average assets | 0.7929% | 1,561 |
| Noninterest expense to average assets | 3.5509% | 440 |
| Loan and lease loss provision to assets | 0.0157% | 2,638 |
| Net operating income to assets | 0.1238% | 4,689 |
| Return on assets (ROA) | 0.1238% | 4,709 |
| Pretax return on assets | 0.1661% | 4,692 |
| Return on Equity (ROE) | 0.9668% | 4,704 |
| Retained earnings to average equity (ytd only) | 0.9668% | 4,349 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.1301% | 233 |
| Assets per employee ($millions) | 6.2605% | 2,376 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3903% | 2,020 |
| Loan loss allowance to noncurrent loans | 321.2081% | 1,792 |
| Noncurrent assets plus other real estate owned to assets | 0.2767% | 2,541 |
| Noncurrent loans to loans | 0.4328% | 2,380 |
| Net loans and leases to total assets | 63.0498% | 2,054 |
| Net loans and leases to deposits | 72.3326% | 2,175 |
| Net loans and leases to core deposits | 77.0528% | 2,131 |
| Total domestic deposits to total assets | 87.1666% | 2,233 |
| Equity capital to assets | 12.1707% | 1,287 |
| Core capital (leverage) ratio | 12.2566% | 1,002 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $255,262,000 | 2,709 |
| Average earning assets | $248,382,333 | 2,641 |
| Average equity | $32,684,667 | 2,422 |
| Average total loans | $177,385,000 | 2,454 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2115% | 3,664 |
| Cost of funding earning assets | 0.0548% | 4,847 |
| Net interest margin | 3.1567% | 2,814 |
| Noninterest income to average assets | 0.8200% | 1,537 |
| Noninterest expense to average assets | 3.7021% | 368 |
| Loan and lease loss provision to assets | 0.0161% | 2,564 |
| Net operating income to assets | 0.1224% | 4,698 |
| Return on assets (ROA) | 0.1224% | 4,714 |
| Pretax return on assets | 0.1643% | 4,691 |
| Return on Equity (ROE) | 0.9312% | 4,719 |
| Retained earnings to average equity (ytd only) | 0.9312% | 4,230 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.3527% | 259 |
| Assets per employee ($millions) | 4.9585% | 3,708 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3295% | 2,300 |
| Loan loss allowance to noncurrent loans | 279.4842% | 1,861 |
| Noncurrent assets plus other real estate owned to assets | 0.3373% | 2,448 |
| Noncurrent loans to loans | 0.4757% | 2,421 |
| Net loans and leases to total assets | 69.9662% | 1,295 |
| Net loans and leases to deposits | 81.0162% | 1,420 |
| Net loans and leases to core deposits | 87.4702% | 1,412 |
| Total domestic deposits to total assets | 86.3608% | 2,599 |
| Equity capital to assets | 12.9242% | 935 |
| Core capital (leverage) ratio | 13.5175% | 738 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $248,291,500 | 2,735 |
| Average earning assets | $240,887,500 | 2,674 |
| Average equity | $32,645,000 | 2,411 |
| Average total loans | $180,015,000 | 2,436 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9227% | 2,966 |
| Cost of funding earning assets | 0.0718% | 4,920 |
| Net interest margin | 3.8510% | 1,351 |
| Noninterest income to average assets | 0.8908% | 1,291 |
| Noninterest expense to average assets | 4.2160% | 308 |
| Loan and lease loss provision to assets | 0.0288% | 4,037 |
| Net operating income to assets | 0.2788% | 4,466 |
| Return on assets (ROA) | 0.2788% | 4,531 |
| Pretax return on assets | 0.3739% | 4,455 |
| Return on Equity (ROE) | 1.9499% | 4,573 |
| Retained earnings to average equity (ytd only) | 1.9499% | 3,849 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.2810% | 334 |
| Assets per employee ($millions) | 5.1851% | 3,182 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3137% | 2,351 |
| Loan loss allowance to noncurrent loans | 380.4487% | 1,427 |
| Noncurrent assets plus other real estate owned to assets | 0.2561% | 3,015 |
| Noncurrent loans to loans | 0.3453% | 2,968 |
| Net loans and leases to total assets | 73.1798% | 1,133 |
| Net loans and leases to deposits | 85.1696% | 1,325 |
| Net loans and leases to core deposits | 92.3343% | 1,359 |
| Total domestic deposits to total assets | 85.9225% | 2,398 |
| Equity capital to assets | 13.3799% | 973 |
| Core capital (leverage) ratio | 13.9270% | 699 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.6670% | 252 |
| Memoranda: | ||
| Average total assets | $225,972,400 | 2,757 |
| Average earning assets | $218,749,800 | 2,682 |
| Average equity | $32,309,000 | 2,376 |
| Average total loans | $178,800,800 | 2,421 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1059% | 2,658 |
| Cost of funding earning assets | 0.0766% | 4,963 |
| Net interest margin | 4.0294% | 1,054 |
| Noninterest income to average assets | 0.8937% | 1,242 |
| Noninterest expense to average assets | 4.3573% | 279 |
| Loan and lease loss provision to assets | 0.0393% | 3,856 |
| Net operating income to assets | 0.2931% | 4,458 |
| Return on assets (ROA) | 0.2931% | 4,503 |
| Pretax return on assets | 0.3930% | 4,441 |
| Return on Equity (ROE) | 2.0144% | 4,548 |
| Retained earnings to average equity (ytd only) | 2.0144% | 3,927 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.9776% | 341 |
| Assets per employee ($millions) | 4.5409% | 3,793 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3166% | 2,095 |
| Loan loss allowance to noncurrent loans | 278.6385% | 1,713 |
| Noncurrent assets plus other real estate owned to assets | 0.3909% | 2,607 |
| Noncurrent loans to loans | 0.4725% | 2,635 |
| Net loans and leases to total assets | 81.6389% | 463 |
| Net loans and leases to deposits | 99.3601% | 560 |
| Net loans and leases to core deposits | 101.9048% | 1,034 |
| Total domestic deposits to total assets | 82.1647% | 3,378 |
| Equity capital to assets | 14.8944% | 659 |
| Core capital (leverage) ratio | 14.2674% | 656 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.2480% | 254 |
| Memoranda: | ||
| Average total assets | $221,540,250 | 2,770 |
| Average earning assets | $214,188,750 | 2,700 |
| Average equity | $32,234,500 | 2,361 |
| Average total loans | $178,322,500 | 2,424 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2085% | 2,736 |
| Cost of funding earning assets | 0.0838% | 4,995 |
| Net interest margin | 4.1247% | 1,068 |
| Noninterest income to average assets | 0.8925% | 1,187 |
| Noninterest expense to average assets | 4.4663% | 258 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.2999% | 4,422 |
| Return on assets (ROA) | 0.2999% | 4,463 |
| Pretax return on assets | 0.4023% | 4,406 |
| Return on Equity (ROE) | 2.0772% | 4,519 |
| Retained earnings to average equity (ytd only) | 2.0772% | 3,722 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.7374% | 348 |
| Assets per employee ($millions) | 4.7252% | 3,505 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2851% | 2,077 |
| Loan loss allowance to noncurrent loans | 215.9963% | 2,028 |
| Noncurrent assets plus other real estate owned to assets | 0.4813% | 2,395 |
| Noncurrent loans to loans | 0.5950% | 2,372 |
| Net loans and leases to total assets | 79.8610% | 605 |
| Net loans and leases to deposits | 108.4605% | 258 |
| Net loans and leases to core deposits | 111.5030% | 686 |
| Total domestic deposits to total assets | 73.6314% | 4,615 |
| Equity capital to assets | 14.5489% | 728 |
| Core capital (leverage) ratio | 14.4320% | 667 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.3161% | 278 |
| Memoranda: | ||
| Average total assets | $222,733,333 | 2,732 |
| Average earning assets | $214,706,000 | 2,670 |
| Average equity | $32,158,000 | 2,352 |
| Average total loans | $177,658,333 | 2,419 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4004% | 2,617 |
| Cost of funding earning assets | 0.0950% | 5,046 |
| Net interest margin | 4.3054% | 752 |
| Noninterest income to average assets | 1.0024% | 857 |
| Noninterest expense to average assets | 4.6428% | 270 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.3748% | 4,187 |
| Return on assets (ROA) | 0.3748% | 4,227 |
| Pretax return on assets | 0.5039% | 4,115 |
| Return on Equity (ROE) | 2.6059% | 4,308 |
| Retained earnings to average equity (ytd only) | 2.6059% | 3,224 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.2091% | 489 |
| Assets per employee ($millions) | 3.8791% | 4,077 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2757% | 2,255 |
| Loan loss allowance to noncurrent loans | 416.0360% | 1,133 |
| Noncurrent assets plus other real estate owned to assets | 0.2467% | 3,471 |
| Noncurrent loans to loans | 0.3066% | 3,405 |
| Net loans and leases to total assets | 79.4226% | 767 |
| Net loans and leases to deposits | 101.3240% | 476 |
| Net loans and leases to core deposits | 104.6782% | 1,142 |
| Total domestic deposits to total assets | 78.3848% | 4,161 |
| Equity capital to assets | 14.3055% | 961 |
| Core capital (leverage) ratio | 14.6474% | 758 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.7397% | 291 |
| Memoranda: | ||
| Average total assets | $223,057,000 | 2,691 |
| Average earning assets | $214,707,000 | 2,619 |
| Average equity | $32,081,500 | 2,351 |
| Average total loans | $176,653,000 | 2,392 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6330% | 2,511 |
| Cost of funding earning assets | 0.1023% | 5,102 |
| Net interest margin | 4.5307% | 678 |
| Noninterest income to average assets | 0.9916% | 986 |
| Noninterest expense to average assets | 4.6399% | 270 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.5304% | 4,332 |
| Return on assets (ROA) | 0.5304% | 4,383 |
| Pretax return on assets | 0.7271% | 4,147 |
| Return on Equity (ROE) | 3.6536% | 4,543 |
| Retained earnings to average equity (ytd only) | 3.6536% | 3,167 |
| Net charge-offs to loans | -0.0024% | 4,242 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.4528% | 521 |
| Assets per employee ($millions) | 3.6250% | 4,352 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3401% | 1,742 |
| Loan loss allowance to noncurrent loans | 243.0526% | 1,807 |
| Noncurrent assets plus other real estate owned to assets | 0.4296% | 2,672 |
| Noncurrent loans to loans | 0.5514% | 2,524 |
| Net loans and leases to total assets | 76.8777% | 1,280 |
| Net loans and leases to deposits | 90.6224% | 1,525 |
| Net loans and leases to core deposits | 92.7956% | 2,175 |
| Total domestic deposits to total assets | 84.8329% | 2,560 |
| Equity capital to assets | 14.4611% | 943 |
| Core capital (leverage) ratio | 14.6171% | 772 |
| Tier 1 risk-based capital ratio | 29.1506% | 507 |
| Total risk-based capital ratio | 30.4113% | 498 |
| Memoranda: | ||
| Average total assets | $216,622,000 | 2,695 |
| Average earning assets | $209,195,800 | 2,610 |
| Average equity | $31,448,800 | 2,324 |
| Average total loans | $167,136,800 | 2,443 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6888% | 2,454 |
| Cost of funding earning assets | 0.1166% | 5,161 |
| Net interest margin | 4.5722% | 654 |
| Noninterest income to average assets | 0.9615% | 1,022 |
| Noninterest expense to average assets | 4.6051% | 274 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.5760% | 4,360 |
| Return on assets (ROA) | 0.5760% | 4,405 |
| Pretax return on assets | 0.7703% | 4,194 |
| Return on Equity (ROE) | 3.9637% | 4,602 |
| Retained earnings to average equity (ytd only) | 3.9637% | 3,417 |
| Net charge-offs to loans | -0.0024% | 4,079 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.6699% | 518 |
| Assets per employee ($millions) | 3.6319% | 4,357 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3959% | 1,595 |
| Loan loss allowance to noncurrent loans | 181.4465% | 2,255 |
| Noncurrent assets plus other real estate owned to assets | 0.6039% | 2,191 |
| Noncurrent loans to loans | 0.7693% | 2,048 |
| Net loans and leases to total assets | 77.3983% | 1,243 |
| Net loans and leases to deposits | 91.6109% | 1,488 |
| Net loans and leases to core deposits | 92.5380% | 2,315 |
| Total domestic deposits to total assets | 84.4860% | 2,635 |
| Equity capital to assets | 15.0768% | 831 |
| Core capital (leverage) ratio | 15.2423% | 686 |
| Tier 1 risk-based capital ratio | 30.4150% | 472 |
| Total risk-based capital ratio | 31.6772% | 460 |
| Memoranda: | ||
| Average total assets | $215,496,500 | 2,719 |
| Average earning assets | $208,034,750 | 2,646 |
| Average equity | $31,316,750 | 2,344 |
| Average total loans | $165,845,000 | 2,475 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6610% | 2,481 |
| Cost of funding earning assets | 0.1153% | 5,208 |
| Net interest margin | 4.5457% | 693 |
| Noninterest income to average assets | 1.0317% | 821 |
| Noninterest expense to average assets | 4.6363% | 273 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.5923% | 4,325 |
| Return on assets (ROA) | 0.5923% | 4,361 |
| Pretax return on assets | 0.7913% | 4,116 |
| Return on Equity (ROE) | 4.1259% | 4,554 |
| Retained earnings to average equity (ytd only) | 4.1259% | 3,186 |
| Net charge-offs to loans | -0.0024% | 3,989 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.4209% | 574 |
| Assets per employee ($millions) | 3.7535% | 4,176 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3821% | 1,690 |
| Loan loss allowance to noncurrent loans | 354.3779% | 1,354 |
| Noncurrent assets plus other real estate owned to assets | 0.2990% | 3,352 |
| Noncurrent loans to loans | 0.3900% | 3,129 |
| Net loans and leases to total assets | 75.6140% | 1,611 |
| Net loans and leases to deposits | 96.7265% | 961 |
| Net loans and leases to core deposits | 97.5386% | 1,924 |
| Total domestic deposits to total assets | 78.1730% | 4,358 |
| Equity capital to assets | 14.4564% | 962 |
| Core capital (leverage) ratio | 14.8284% | 745 |
| Tier 1 risk-based capital ratio | 29.4649% | 497 |
| Total risk-based capital ratio | 30.7259% | 490 |
| Memoranda: | ||
| Average total assets | $217,112,670 | 2,717 |
| Average earning assets | $209,955,330 | 2,638 |
| Average equity | $31,169,330 | 2,347 |
| Average total loans | $166,011,330 | 2,482 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6003% | 2,529 |
| Cost of funding earning assets | 0.0535% | 5,326 |
| Net interest margin | 4.5469% | 681 |
| Noninterest income to average assets | 1.1032% | 666 |
| Noninterest expense to average assets | 4.5568% | 278 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.7011% | 3,929 |
| Return on assets (ROA) | 0.7011% | 3,974 |
| Pretax return on assets | 0.9390% | 3,644 |
| Return on Equity (ROE) | 4.9004% | 4,347 |
| Retained earnings to average equity (ytd only) | 4.9004% | 2,950 |
| Net charge-offs to loans | -0.0024% | 3,891 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.9137% | 795 |
| Assets per employee ($millions) | 3.6436% | 4,415 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3716% | 1,779 |
| Loan loss allowance to noncurrent loans | 711.7284% | 799 |
| Noncurrent assets plus other real estate owned to assets | 0.1482% | 4,060 |
| Noncurrent loans to loans | 0.1927% | 3,895 |
| Net loans and leases to total assets | 75.8488% | 1,514 |
| Net loans and leases to deposits | 91.7301% | 1,427 |
| Net loans and leases to core deposits | 92.4528% | 2,260 |
| Total domestic deposits to total assets | 82.6868% | 3,510 |
| Equity capital to assets | 14.2754% | 944 |
| Core capital (leverage) ratio | 15.1027% | 674 |
| Tier 1 risk-based capital ratio | 28.6112% | 529 |
| Total risk-based capital ratio | 29.8718% | 522 |
| Memoranda: | ||
| Average total assets | $216,817,500 | 2,745 |
| Average earning assets | $209,463,000 | 2,667 |
| Average equity | $31,018,000 | 2,358 |
| Average total loans | $165,556,500 | 2,508 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3364% | 2,976 |
| Cost of funding earning assets | 0.0398% | 5,371 |
| Net interest margin | 4.2966% | 1,165 |
| Noninterest income to average assets | 1.0003% | 939 |
| Noninterest expense to average assets | 4.5064% | 296 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.4772% | 4,713 |
| Return on assets (ROA) | 0.4772% | 4,712 |
| Pretax return on assets | 0.6417% | 4,554 |
| Return on Equity (ROE) | 3.3189% | 4,851 |
| Retained earnings to average equity (ytd only) | 3.3189% | 3,750 |
| Net charge-offs to loans | -0.0546% | 5,000 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.5345% | 453 |
| Assets per employee ($millions) | 3.5249% | 4,522 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4142% | 1,585 |
| Loan loss allowance to noncurrent loans | 400.8696% | 1,308 |
| Noncurrent assets plus other real estate owned to assets | 0.2674% | 3,510 |
| Noncurrent loans to loans | 0.3528% | 3,280 |
| Net loans and leases to total assets | 74.7304% | 1,805 |
| Net loans and leases to deposits | 88.0592% | 2,033 |
| Net loans and leases to core deposits | 88.8922% | 2,665 |
| Total domestic deposits to total assets | 84.8638% | 2,702 |
| Equity capital to assets | 14.3372% | 880 |
| Core capital (leverage) ratio | 14.5629% | 782 |
| Tier 1 risk-based capital ratio | 29.1149% | 507 |
| Total risk-based capital ratio | 30.3766% | 494 |
| Memoranda: | ||
| Average total assets | $210,832,200 | 2,756 |
| Average earning assets | $203,532,600 | 2,694 |
| Average equity | $30,311,400 | 2,319 |
| Average total loans | $161,060,000 | 2,515 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2294% | 3,205 |
| Cost of funding earning assets | 0.0441% | 5,439 |
| Net interest margin | 4.1853% | 1,397 |
| Noninterest income to average assets | 0.9673% | 1,018 |
| Noninterest expense to average assets | 4.3796% | 330 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.4703% | 4,819 |
| Return on assets (ROA) | 0.4703% | 4,825 |
| Pretax return on assets | 0.6311% | 4,679 |
| Return on Equity (ROE) | 3.2689% | 4,962 |
| Retained earnings to average equity (ytd only) | 3.2689% | 4,112 |
| Net charge-offs to loans | -0.0722% | 5,066 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.4049% | 436 |
| Assets per employee ($millions) | 3.4712% | 4,600 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4388% | 1,560 |
| Loan loss allowance to noncurrent loans | 189.7858% | 2,317 |
| Noncurrent assets plus other real estate owned to assets | 0.5641% | 2,498 |
| Noncurrent loans to loans | 0.7581% | 2,191 |
| Net loans and leases to total assets | 73.3340% | 2,110 |
| Net loans and leases to deposits | 85.8370% | 2,387 |
| Net loans and leases to core deposits | 86.6404% | 2,949 |
| Total domestic deposits to total assets | 85.4340% | 2,436 |
| Equity capital to assets | 14.2007% | 900 |
| Core capital (leverage) ratio | 14.8346% | 741 |
| Tier 1 risk-based capital ratio | 29.1497% | 515 |
| Total risk-based capital ratio | 30.4116% | 505 |
| Memoranda: | ||
| Average total assets | $209,785,000 | 2,792 |
| Average earning assets | $202,670,750 | 2,717 |
| Average equity | $30,182,250 | 2,331 |
| Average total loans | $160,577,250 | 2,529 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1953% | 3,127 |
| Cost of funding earning assets | 0.0379% | 5,506 |
| Net interest margin | 4.1574% | 1,388 |
| Noninterest income to average assets | 1.0492% | 879 |
| Noninterest expense to average assets | 4.4621% | 306 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.4414% | 4,870 |
| Return on assets (ROA) | 0.4414% | 4,875 |
| Pretax return on assets | 0.5933% | 4,748 |
| Return on Equity (ROE) | 3.0543% | 5,018 |
| Retained earnings to average equity (ytd only) | 3.0543% | 4,030 |
| Net charge-offs to loans | -0.1070% | 5,185 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.2633% | 451 |
| Assets per employee ($millions) | 3.5310% | 4,551 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4336% | 1,625 |
| Loan loss allowance to noncurrent loans | 191.2791% | 2,335 |
| Noncurrent assets plus other real estate owned to assets | 0.5879% | 2,469 |
| Noncurrent loans to loans | 0.7495% | 2,240 |
| Net loans and leases to total assets | 77.3185% | 1,419 |
| Net loans and leases to deposits | 93.7774% | 1,380 |
| Net loans and leases to core deposits | 94.5920% | 2,171 |
| Total domestic deposits to total assets | 82.4490% | 3,579 |
| Equity capital to assets | 14.7854% | 736 |
| Core capital (leverage) ratio | 14.6432% | 743 |
| Tier 1 risk-based capital ratio | 28.9556% | 520 |
| Total risk-based capital ratio | 30.2175% | 511 |
| Memoranda: | ||
| Average total assets | $207,975,330 | 2,831 |
| Average earning assets | $200,412,670 | 2,751 |
| Average equity | $30,055,670 | 2,345 |
| Average total loans | $160,726,670 | 2,543 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1709% | 2,983 |
| Cost of funding earning assets | 0.0359% | 5,572 |
| Net interest margin | 4.1350% | 1,355 |
| Noninterest income to average assets | 1.1777% | 662 |
| Noninterest expense to average assets | 4.5141% | 290 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.4657% | 4,776 |
| Return on assets (ROA) | 0.4657% | 4,779 |
| Pretax return on assets | 0.6261% | 4,625 |
| Return on Equity (ROE) | 3.2595% | 4,963 |
| Retained earnings to average equity (ytd only) | 3.2595% | 3,903 |
| Net charge-offs to loans | -0.0025% | 3,839 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.8203% | 544 |
| Assets per employee ($millions) | 3.4472% | 4,735 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3854% | 1,896 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0195% | 5,017 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 78.9646% | 1,088 |
| Net loans and leases to deposits | 93.7380% | 1,250 |
| Net loans and leases to core deposits | 94.5531% | 2,092 |
| Total domestic deposits to total assets | 84.2397% | 3,222 |
| Equity capital to assets | 15.0371% | 665 |
| Core capital (leverage) ratio | 14.5089% | 761 |
| Tier 1 risk-based capital ratio | 28.3651% | 539 |
| Total risk-based capital ratio | 29.6255% | 535 |
| Memoranda: | ||
| Average total assets | $209,564,500 | 2,852 |
| Average earning assets | $200,821,000 | 2,779 |
| Average equity | $29,943,500 | 2,373 |
| Average total loans | $160,765,500 | 2,562 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8431% | 3,907 |
| Cost of funding earning assets | 0.0816% | 5,546 |
| Net interest margin | 3.7615% | 2,556 |
| Noninterest income to average assets | 0.9639% | 1,106 |
| Noninterest expense to average assets | 4.1455% | 452 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.2470% | 5,024 |
| Return on assets (ROA) | 0.2470% | 5,038 |
| Pretax return on assets | 0.4321% | 5,040 |
| Return on Equity (ROE) | 1.7712% | 5,099 |
| Retained earnings to average equity (ytd only) | 1.7712% | 4,253 |
| Net charge-offs to loans | -0.0019% | 4,529 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.5602% | 402 |
| Assets per employee ($millions) | 3.4792% | 4,727 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3733% | 1,867 |
| Loan loss allowance to noncurrent loans | 180.9796% | 2,456 |
| Noncurrent assets plus other real estate owned to assets | 0.5767% | 2,623 |
| Noncurrent loans to loans | 0.7588% | 2,307 |
| Net loans and leases to total assets | 72.6379% | 2,147 |
| Net loans and leases to deposits | 87.0827% | 2,120 |
| Net loans and leases to core deposits | 87.7798% | 2,744 |
| Total domestic deposits to total assets | 83.4126% | 3,420 |
| Equity capital to assets | 13.6055% | 1,018 |
| Core capital (leverage) ratio | 14.3154% | 766 |
| Tier 1 risk-based capital ratio | 27.6045% | 563 |
| Total risk-based capital ratio | 28.8650% | 549 |
| Memoranda: | ||
| Average total assets | $211,747,000 | 2,803 |
| Average earning assets | $203,430,200 | 2,738 |
| Average equity | $29,527,200 | 2,390 |
| Average total loans | $161,302,600 | 2,533 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8291% | 3,903 |
| Cost of funding earning assets | 0.0990% | 5,558 |
| Net interest margin | 3.7302% | 2,657 |
| Noninterest income to average assets | 0.9624% | 1,113 |
| Noninterest expense to average assets | 4.2111% | 403 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.2128% | 5,341 |
| Return on assets (ROA) | 0.2128% | 5,355 |
| Pretax return on assets | 0.3424% | 5,273 |
| Return on Equity (ROE) | 1.5165% | 5,372 |
| Retained earnings to average equity (ytd only) | 1.5165% | 4,813 |
| Net charge-offs to loans | -0.0025% | 4,342 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.4805% | 333 |
| Assets per employee ($millions) | 3.4617% | 4,783 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4073% | 1,853 |
| Loan loss allowance to noncurrent loans | 299.1903% | 1,587 |
| Noncurrent assets plus other real estate owned to assets | 0.3694% | 3,552 |
| Noncurrent loans to loans | 0.4704% | 3,286 |
| Net loans and leases to total assets | 73.5546% | 1,985 |
| Net loans and leases to deposits | 85.9546% | 2,300 |
| Net loans and leases to core deposits | 86.2175% | 2,944 |
| Total domestic deposits to total assets | 85.5737% | 2,489 |
| Equity capital to assets | 14.0332% | 989 |
| Core capital (leverage) ratio | 14.1873% | 842 |
| Tier 1 risk-based capital ratio | 28.0297% | 566 |
| Total risk-based capital ratio | 29.2915% | 554 |
| Memoranda: | ||
| Average total assets | $209,886,250 | 2,846 |
| Average earning assets | $202,059,000 | 2,776 |
| Average equity | $29,453,500 | 2,410 |
| Average total loans | $161,270,250 | 2,545 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7878% | 3,934 |
| Cost of funding earning assets | 0.0974% | 5,607 |
| Net interest margin | 3.6905% | 2,684 |
| Noninterest income to average assets | 0.9777% | 1,077 |
| Noninterest expense to average assets | 4.2901% | 379 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.1461% | 5,453 |
| Return on assets (ROA) | 0.1461% | 5,454 |
| Pretax return on assets | 0.2349% | 5,403 |
| Return on Equity (ROE) | 1.0410% | 5,468 |
| Retained earnings to average equity (ytd only) | 1.0410% | 4,825 |
| Net charge-offs to loans | -0.0025% | 4,198 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.8090% | 286 |
| Assets per employee ($millions) | 3.4634% | 4,777 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3800% | 2,034 |
| Loan loss allowance to noncurrent loans | 76.5722% | 4,035 |
| Noncurrent assets plus other real estate owned to assets | 1.4354% | 1,089 |
| Noncurrent loans to loans | 1.8022% | 1,000 |
| Net loans and leases to total assets | 77.5015% | 1,314 |
| Net loans and leases to deposits | 101.4887% | 636 |
| Net loans and leases to core deposits | 101.8483% | 1,522 |
| Total domestic deposits to total assets | 76.3647% | 5,047 |
| Equity capital to assets | 14.4139% | 848 |
| Core capital (leverage) ratio | 13.9907% | 868 |
| Tier 1 risk-based capital ratio | 27.2050% | 599 |
| Total risk-based capital ratio | 28.4665% | 587 |
| Memoranda: | ||
| Average total assets | $209,460,670 | 2,868 |
| Average earning assets | $201,330,000 | 2,796 |
| Average equity | $29,393,670 | 2,416 |
| Average total loans | $162,514,670 | 2,527 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7527% | 3,924 |
| Cost of funding earning assets | 0.0966% | 5,664 |
| Net interest margin | 3.6561% | 2,670 |
| Noninterest income to average assets | 1.1037% | 815 |
| Noninterest expense to average assets | 4.2109% | 425 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.2434% | 5,315 |
| Return on assets (ROA) | 0.2434% | 5,330 |
| Pretax return on assets | 0.3905% | 5,173 |
| Return on Equity (ROE) | 1.7573% | 5,376 |
| Retained earnings to average equity (ytd only) | 1.7573% | 4,411 |
| Net charge-offs to loans | -0.0024% | 4,028 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.5129% | 478 |
| Assets per employee ($millions) | 3.6859% | 4,522 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3690% | 2,214 |
| Loan loss allowance to noncurrent loans | 7,145.1613% | 133 |
| Noncurrent assets plus other real estate owned to assets | 0.0145% | 5,293 |
| Noncurrent loans to loans | 0.0192% | 5,148 |
| Net loans and leases to total assets | 74.6453% | 1,636 |
| Net loans and leases to deposits | 96.8766% | 859 |
| Net loans and leases to core deposits | 97.2023% | 1,734 |
| Total domestic deposits to total assets | 77.0520% | 5,104 |
| Equity capital to assets | 13.7658% | 981 |
| Core capital (leverage) ratio | 13.6960% | 916 |
| Tier 1 risk-based capital ratio | 27.2487% | 612 |
| Total risk-based capital ratio | 28.5102% | 595 |
| Memoranda: | ||
| Average total assets | $212,022,000 | 2,869 |
| Average earning assets | $202,838,500 | 2,801 |
| Average equity | $29,364,000 | 2,423 |
| Average total loans | $163,481,500 | 2,531 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7954% | 3,928 |
| Cost of funding earning assets | 0.0894% | 5,747 |
| Net interest margin | 3.7061% | 2,667 |
| Noninterest income to average assets | 0.9339% | 1,310 |
| Noninterest expense to average assets | 4.0196% | 583 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.2919% | 5,239 |
| Return on assets (ROA) | 0.2919% | 5,308 |
| Pretax return on assets | 0.4571% | 5,105 |
| Return on Equity (ROE) | 2.1446% | 5,372 |
| Retained earnings to average equity (ytd only) | 2.1446% | 4,310 |
| Net charge-offs to loans | -0.0139% | 5,029 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.7893% | 570 |
| Assets per employee ($millions) | 3.6252% | 4,572 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3404% | 2,338 |
| Loan loss allowance to noncurrent loans | 1,994.5946% | 335 |
| Noncurrent assets plus other real estate owned to assets | 0.0851% | 4,997 |
| Noncurrent loans to loans | 0.0672% | 4,972 |
| Net loans and leases to total assets | 77.5013% | 1,282 |
| Net loans and leases to deposits | 99.3234% | 715 |
| Net loans and leases to core deposits | 99.5060% | 1,659 |
| Total domestic deposits to total assets | 78.0292% | 4,975 |
| Equity capital to assets | 13.9346% | 911 |
| Core capital (leverage) ratio | 13.7095% | 896 |
| Tier 1 risk-based capital ratio | 27.1218% | 611 |
| Total risk-based capital ratio | 28.3838% | 600 |
| Memoranda: | ||
| Average total assets | $213,079,400 | 2,823 |
| Average earning assets | $203,692,800 | 2,756 |
| Average equity | $29,003,600 | 2,449 |
| Average total loans | $165,599,200 | 2,458 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8348% | 3,821 |
| Cost of funding earning assets | 0.0954% | 5,788 |
| Net interest margin | 3.7394% | 2,556 |
| Noninterest income to average assets | 0.9006% | 1,402 |
| Noninterest expense to average assets | 4.0071% | 581 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.2969% | 5,293 |
| Return on assets (ROA) | 0.2969% | 5,377 |
| Pretax return on assets | 0.4609% | 5,211 |
| Return on Equity (ROE) | 2.1938% | 5,435 |
| Retained earnings to average equity (ytd only) | 2.1938% | 4,597 |
| Net charge-offs to loans | -0.0089% | 4,740 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.6845% | 578 |
| Assets per employee ($millions) | 3.7003% | 4,473 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3164% | 2,590 |
| Loan loss allowance to noncurrent loans | 1,983.7838% | 334 |
| Noncurrent assets plus other real estate owned to assets | 0.0517% | 5,252 |
| Noncurrent loans to loans | 0.0664% | 5,085 |
| Net loans and leases to total assets | 76.9149% | 1,378 |
| Net loans and leases to deposits | 102.8005% | 517 |
| Net loans and leases to core deposits | 102.9936% | 1,417 |
| Total domestic deposits to total assets | 74.8196% | 5,353 |
| Equity capital to assets | 13.5836% | 1,202 |
| Core capital (leverage) ratio | 13.2068% | 1,107 |
| Tier 1 risk-based capital ratio | 26.4375% | 682 |
| Total risk-based capital ratio | 27.6993% | 663 |
| Memoranda: | ||
| Average total assets | $213,784,000 | 2,829 |
| Average earning assets | $203,949,500 | 2,763 |
| Average equity | $28,929,750 | 2,467 |
| Average total loans | $165,706,750 | 2,462 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8258% | 3,870 |
| Cost of funding earning assets | 0.0925% | 5,884 |
| Net interest margin | 3.7333% | 2,575 |
| Noninterest income to average assets | 1.0342% | 1,046 |
| Noninterest expense to average assets | 4.0608% | 554 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.3457% | 5,192 |
| Return on assets (ROA) | 0.3457% | 5,273 |
| Pretax return on assets | 0.5283% | 5,078 |
| Return on Equity (ROE) | 2.5576% | 5,371 |
| Retained earnings to average equity (ytd only) | 2.5576% | 4,262 |
| Net charge-offs to loans | -0.0509% | 5,375 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.4874% | 685 |
| Assets per employee ($millions) | 3.7233% | 4,403 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3389% | 2,577 |
| Loan loss allowance to noncurrent loans | 2,011.7117% | 326 |
| Noncurrent assets plus other real estate owned to assets | 0.0523% | 5,347 |
| Noncurrent loans to loans | 0.0666% | 5,185 |
| Net loans and leases to total assets | 77.5328% | 1,255 |
| Net loans and leases to deposits | 110.1894% | 247 |
| Net loans and leases to core deposits | 110.4120% | 911 |
| Total domestic deposits to total assets | 70.3631% | 5,766 |
| Equity capital to assets | 13.6857% | 1,146 |
| Core capital (leverage) ratio | 13.3503% | 1,038 |
| Tier 1 risk-based capital ratio | 25.7234% | 741 |
| Total risk-based capital ratio | 26.9856% | 724 |
| Memoranda: | ||
| Average total assets | $213,505,670 | 2,849 |
| Average earning assets | $203,304,000 | 2,772 |
| Average equity | $28,855,330 | 2,466 |
| Average total loans | $165,183,670 | 2,473 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8127% | 3,898 |
| Cost of funding earning assets | 0.0926% | 5,942 |
| Net interest margin | 3.7202% | 2,591 |
| Noninterest income to average assets | 1.1413% | 843 |
| Noninterest expense to average assets | 4.1673% | 512 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.3138% | 5,264 |
| Return on assets (ROA) | 0.3138% | 5,351 |
| Pretax return on assets | 0.5025% | 5,085 |
| Return on Equity (ROE) | 2.3365% | 5,418 |
| Retained earnings to average equity (ytd only) | 2.3365% | 4,317 |
| Net charge-offs to loans | -0.1095% | 5,674 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.2400% | 725 |
| Assets per employee ($millions) | 3.5138% | 4,790 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3453% | 2,681 |
| Loan loss allowance to noncurrent loans | 771.3793% | 706 |
| Noncurrent assets plus other real estate owned to assets | 0.1331% | 5,044 |
| Noncurrent loans to loans | 0.1744% | 4,787 |
| Net loans and leases to total assets | 75.2981% | 1,503 |
| Net loans and leases to deposits | 104.0671% | 409 |
| Net loans and leases to core deposits | 104.2662% | 1,174 |
| Total domestic deposits to total assets | 72.3554% | 5,745 |
| Equity capital to assets | 13.2398% | 1,300 |
| Core capital (leverage) ratio | 13.0937% | 1,126 |
| Tier 1 risk-based capital ratio | 26.3161% | 717 |
| Total risk-based capital ratio | 27.5790% | 697 |
| Memoranda: | ||
| Average total assets | $214,144,000 | 2,840 |
| Average earning assets | $203,109,500 | 2,786 |
| Average equity | $28,760,500 | 2,453 |
| Average total loans | $164,385,500 | 2,473 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5114% | 4,890 |
| Cost of funding earning assets | 0.0600% | 6,091 |
| Net interest margin | 3.4514% | 3,712 |
| Noninterest income to average assets | 0.9102% | 1,409 |
| Noninterest expense to average assets | 3.9365% | 729 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.1805% | 5,620 |
| Return on assets (ROA) | 0.1805% | 5,670 |
| Pretax return on assets | 0.2842% | 5,550 |
| Return on Equity (ROE) | 1.3864% | 5,703 |
| Retained earnings to average equity (ytd only) | 1.3864% | 4,935 |
| Net charge-offs to loans | 0.0388% | 3,450 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 10.0323% | 2,742 |
| Efficiency ratio | 93.2662% | 515 |
| Assets per employee ($millions) | 3.5072% | 4,827 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3484% | 2,674 |
| Loan loss allowance to noncurrent loans | 326.0417% | 1,523 |
| Noncurrent assets plus other real estate owned to assets | 0.3193% | 4,314 |
| Noncurrent loans to loans | 0.4136% | 3,967 |
| Net loans and leases to total assets | 76.1774% | 1,385 |
| Net loans and leases to deposits | 101.3005% | 587 |
| Net loans and leases to core deposits | 101.4936% | 1,404 |
| Total domestic deposits to total assets | 75.1994% | 5,536 |
| Equity capital to assets | 13.6278% | 1,072 |
| Core capital (leverage) ratio | 13.0715% | 1,122 |
| Tier 1 risk-based capital ratio | 26.9266% | 669 |
| Total risk-based capital ratio | 28.1913% | 651 |
| Memoranda: | ||
| Average total assets | $218,846,800 | 2,754 |
| Average earning assets | $209,915,000 | 2,682 |
| Average equity | $28,491,800 | 2,422 |
| Average total loans | $159,882,000 | 2,472 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4503% | 5,098 |
| Cost of funding earning assets | 0.0620% | 6,177 |
| Net interest margin | 3.3883% | 4,006 |
| Noninterest income to average assets | 0.8762% | 1,523 |
| Noninterest expense to average assets | 3.8674% | 772 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.1744% | 5,723 |
| Return on assets (ROA) | 0.1744% | 5,778 |
| Pretax return on assets | 0.2734% | 5,683 |
| Return on Equity (ROE) | 1.3546% | 5,805 |
| Retained earnings to average equity (ytd only) | 1.3546% | 5,179 |
| Net charge-offs to loans | -0.0042% | 4,803 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.3984% | 506 |
| Assets per employee ($millions) | 3.6697% | 4,491 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4043% | 2,577 |
| Loan loss allowance to noncurrent loans | 96.8268% | 3,751 |
| Noncurrent assets plus other real estate owned to assets | 1.0956% | 2,163 |
| Noncurrent loans to loans | 1.4504% | 1,726 |
| Net loans and leases to total assets | 74.4810% | 1,642 |
| Net loans and leases to deposits | 103.4568% | 476 |
| Net loans and leases to core deposits | 103.6598% | 1,252 |
| Total domestic deposits to total assets | 71.9923% | 5,859 |
| Equity capital to assets | 13.4234% | 1,268 |
| Core capital (leverage) ratio | 12.9510% | 1,221 |
| Tier 1 risk-based capital ratio | 25.3179% | 827 |
| Total risk-based capital ratio | 26.5824% | 807 |
| Memoranda: | ||
| Average total assets | $220,951,000 | 2,763 |
| Average earning assets | $212,884,000 | 2,669 |
| Average equity | $28,445,500 | 2,440 |
| Average total loans | $159,229,750 | 2,487 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3890% | 5,256 |
| Cost of funding earning assets | 0.0632% | 6,246 |
| Net interest margin | 3.3257% | 4,187 |
| Noninterest income to average assets | 0.9497% | 1,301 |
| Noninterest expense to average assets | 3.8497% | 814 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.1851% | 5,732 |
| Return on assets (ROA) | 0.1851% | 5,789 |
| Pretax return on assets | 0.2978% | 5,665 |
| Return on Equity (ROE) | 1.4576% | 5,805 |
| Retained earnings to average equity (ytd only) | 1.4576% | 4,969 |
| Net charge-offs to loans | -0.0050% | 4,742 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.8202% | 590 |
| Assets per employee ($millions) | 4.1090% | 3,666 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3921% | 2,802 |
| Loan loss allowance to noncurrent loans | 110.4748% | 3,476 |
| Noncurrent assets plus other real estate owned to assets | 0.9040% | 2,724 |
| Noncurrent loans to loans | 1.2601% | 2,143 |
| Net loans and leases to total assets | 70.7423% | 2,200 |
| Net loans and leases to deposits | 100.7893% | 605 |
| Net loans and leases to core deposits | 100.9803% | 1,408 |
| Total domestic deposits to total assets | 70.1883% | 6,031 |
| Equity capital to assets | 12.6056% | 1,601 |
| Core capital (leverage) ratio | 12.7110% | 1,291 |
| Tier 1 risk-based capital ratio | 24.5951% | 897 |
| Total risk-based capital ratio | 25.8589% | 884 |
| Memoranda: | ||
| Average total assets | $223,653,000 | 2,758 |
| Average earning assets | $215,050,330 | 2,670 |
| Average equity | $28,403,670 | 2,458 |
| Average total loans | $158,710,670 | 2,493 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3666% | 5,290 |
| Cost of funding earning assets | 0.0712% | 6,291 |
| Net interest margin | 3.2955% | 4,239 |
| Noninterest income to average assets | 1.1219% | 897 |
| Noninterest expense to average assets | 3.8205% | 856 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.2895% | 5,453 |
| Return on assets (ROA) | 0.2895% | 5,547 |
| Pretax return on assets | 0.4657% | 5,272 |
| Return on Equity (ROE) | 2.2707% | 5,618 |
| Retained earnings to average equity (ytd only) | 2.2707% | 4,548 |
| Net charge-offs to loans | -0.0051% | 4,500 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.1359% | 927 |
| Assets per employee ($millions) | 3.6863% | 4,540 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4322% | 2,773 |
| Loan loss allowance to noncurrent loans | 167.4091% | 2,549 |
| Noncurrent assets plus other real estate owned to assets | 0.6090% | 3,656 |
| Noncurrent loans to loans | 0.8555% | 3,105 |
| Net loans and leases to total assets | 70.1684% | 2,117 |
| Net loans and leases to deposits | 95.1037% | 895 |
| Net loans and leases to core deposits | 96.4309% | 1,587 |
| Total domestic deposits to total assets | 73.7809% | 5,918 |
| Equity capital to assets | 12.8595% | 1,474 |
| Core capital (leverage) ratio | 13.2629% | 1,063 |
| Tier 1 risk-based capital ratio | 28.2900% | 638 |
| Total risk-based capital ratio | 29.5608% | 622 |
| Memoranda: | ||
| Average total assets | $222,482,000 | 2,785 |
| Average earning assets | $213,625,500 | 2,695 |
| Average equity | $28,361,500 | 2,479 |
| Average total loans | $157,000,500 | 2,526 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4394% | 5,450 |
| Cost of funding earning assets | 0.1005% | 6,326 |
| Net interest margin | 3.3389% | 4,441 |
| Noninterest income to average assets | 0.9743% | 1,270 |
| Noninterest expense to average assets | 3.7903% | 1,000 |
| Loan and lease loss provision to assets | 0.0560% | 3,429 |
| Net operating income to assets | 0.8930% | 2,910 |
| Return on assets (ROA) | 0.8930% | 2,995 |
| Pretax return on assets | 0.3396% | 5,626 |
| Return on Equity (ROE) | 7.0716% | 3,588 |
| Retained earnings to average equity (ytd only) | 7.0716% | 1,373 |
| Net charge-offs to loans | 0.0219% | 4,401 |
| Credit loss provision to net charge-offs | 363.6364% | 719 |
| Earnings coverage of net charge-offs (x) | 25.6667% | 1,492 |
| Efficiency ratio | 90.5490% | 809 |
| Assets per employee ($millions) | 3.7298% | 4,474 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4391% | 2,749 |
| Loan loss allowance to noncurrent loans | 273.4223% | 1,763 |
| Noncurrent assets plus other real estate owned to assets | 0.3682% | 4,594 |
| Noncurrent loans to loans | 0.5263% | 4,090 |
| Net loans and leases to total assets | 68.9480% | 2,403 |
| Net loans and leases to deposits | 81.5968% | 2,528 |
| Net loans and leases to core deposits | 85.4979% | 2,734 |
| Total domestic deposits to total assets | 84.4983% | 3,506 |
| Equity capital to assets | 12.6374% | 1,573 |
| Core capital (leverage) ratio | 12.6481% | 1,281 |
| Tier 1 risk-based capital ratio | 26.6966% | 705 |
| Total risk-based capital ratio | 27.9585% | 685 |
| Memoranda: | ||
| Average total assets | $214,099,200 | 2,842 |
| Average earning assets | $205,934,400 | 2,741 |
| Average equity | $27,037,800 | 2,487 |
| Average total loans | $150,378,600 | 2,562 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4566% | 5,478 |
| Cost of funding earning assets | 0.1035% | 6,404 |
| Net interest margin | 3.3531% | 4,420 |
| Noninterest income to average assets | 0.9417% | 1,388 |
| Noninterest expense to average assets | 3.6904% | 1,138 |
| Loan and lease loss provision to assets | 0.0567% | 3,238 |
| Net operating income to assets | 0.4189% | 5,180 |
| Return on assets (ROA) | 0.4189% | 5,258 |
| Pretax return on assets | 0.4189% | 5,541 |
| Return on Equity (ROE) | 3.3174% | 5,424 |
| Retained earnings to average equity (ytd only) | 3.3174% | 4,259 |
| Net charge-offs to loans | 0.0314% | 3,861 |
| Credit loss provision to net charge-offs | 257.1429% | 1,026 |
| Earnings coverage of net charge-offs (x) | 21.5693% | 1,668 |
| Efficiency ratio | 88.5848% | 949 |
| Assets per employee ($millions) | 3.9861% | 3,926 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4445% | 2,970 |
| Loan loss allowance to noncurrent loans | 265.6699% | 1,713 |
| Noncurrent assets plus other real estate owned to assets | 0.3813% | 4,780 |
| Noncurrent loans to loans | 0.5437% | 4,296 |
| Net loans and leases to total assets | 69.1219% | 2,340 |
| Net loans and leases to deposits | 85.9419% | 1,908 |
| Net loans and leases to core deposits | 90.3577% | 2,188 |
| Total domestic deposits to total assets | 80.4286% | 4,982 |
| Equity capital to assets | 12.3303% | 1,805 |
| Core capital (leverage) ratio | 12.5044% | 1,402 |
| Tier 1 risk-based capital ratio | 27.2437% | 691 |
| Total risk-based capital ratio | 28.5055% | 675 |
| Memoranda: | ||
| Average total assets | $211,676,750 | 2,887 |
| Average earning assets | $203,549,250 | 2,787 |
| Average equity | $26,727,000 | 2,518 |
| Average total loans | $148,835,500 | 2,596 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4808% | 5,450 |
| Cost of funding earning assets | 0.1038% | 6,471 |
| Net interest margin | 3.3771% | 4,275 |
| Noninterest income to average assets | 1.0251% | 1,134 |
| Noninterest expense to average assets | 3.7522% | 1,042 |
| Loan and lease loss provision to assets | 0.0574% | 3,143 |
| Net operating income to assets | 0.4523% | 5,004 |
| Return on assets (ROA) | 0.4523% | 5,084 |
| Pretax return on assets | 0.4523% | 5,411 |
| Return on Equity (ROE) | 3.5530% | 5,325 |
| Retained earnings to average equity (ytd only) | 3.5530% | 3,937 |
| Net charge-offs to loans | 0.0408% | 3,416 |
| Credit loss provision to net charge-offs | 200.0000% | 1,157 |
| Earnings coverage of net charge-offs (x) | 17.7667% | 1,714 |
| Efficiency ratio | 88.0413% | 1,085 |
| Assets per employee ($millions) | 3.6018% | 4,656 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4478% | 3,118 |
| Loan loss allowance to noncurrent loans | 910.7884% | 558 |
| Noncurrent assets plus other real estate owned to assets | 0.1174% | 5,801 |
| Noncurrent loans to loans | 0.1590% | 5,536 |
| Net loans and leases to total assets | 72.7786% | 1,609 |
| Net loans and leases to deposits | 90.7267% | 1,297 |
| Net loans and leases to core deposits | 95.7298% | 1,629 |
| Total domestic deposits to total assets | 80.2174% | 5,191 |
| Equity capital to assets | 13.0734% | 1,336 |
| Core capital (leverage) ratio | 12.7591% | 1,259 |
| Tier 1 risk-based capital ratio | 27.1095% | 696 |
| Total risk-based capital ratio | 28.3720% | 681 |
| Memoranda: | ||
| Average total assets | $209,158,000 | 2,925 |
| Average earning assets | $200,470,000 | 2,833 |
| Average equity | $26,625,330 | 2,508 |
| Average total loans | $147,194,330 | 2,624 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4030% | 5,638 |
| Cost of funding earning assets | 0.1073% | 6,543 |
| Net interest margin | 3.2956% | 4,554 |
| Noninterest income to average assets | 1.1749% | 807 |
| Noninterest expense to average assets | 3.6914% | 1,146 |
| Loan and lease loss provision to assets | 0.0568% | 2,976 |
| Net operating income to assets | 0.5685% | 4,359 |
| Return on assets (ROA) | 0.5685% | 4,435 |
| Pretax return on assets | 0.5685% | 4,940 |
| Return on Equity (ROE) | 4.5252% | 4,774 |
| Retained earnings to average equity (ytd only) | 4.5252% | 3,403 |
| Net charge-offs to loans | 0.0138% | 3,324 |
| Credit loss provision to net charge-offs | 600.0000% | 463 |
| Earnings coverage of net charge-offs (x) | 66.0000% | 614 |
| Efficiency ratio | 85.5136% | 1,498 |
| Assets per employee ($millions) | 3.5270% | 4,866 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4982% | 3,148 |
| Loan loss allowance to noncurrent loans | 875.6000% | 580 |
| Noncurrent assets plus other real estate owned to assets | 0.1201% | 5,889 |
| Noncurrent loans to loans | 0.1711% | 5,575 |
| Net loans and leases to total assets | 69.1590% | 2,037 |
| Net loans and leases to deposits | 80.1170% | 2,278 |
| Net loans and leases to core deposits | 84.1441% | 2,497 |
| Total domestic deposits to total assets | 86.3225% | 3,198 |
| Equity capital to assets | 12.8154% | 1,393 |
| Core capital (leverage) ratio | 12.3741% | 1,440 |
| Tier 1 risk-based capital ratio | 27.5906% | 668 |
| Total risk-based capital ratio | 28.8528% | 655 |
| Memoranda: | ||
| Average total assets | $211,086,000 | 2,913 |
| Average earning assets | $201,235,500 | 2,839 |
| Average equity | $26,518,000 | 2,509 |
| Average total loans | $144,986,000 | 2,661 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2913% | 6,008 |
| Cost of funding earning assets | 0.1392% | 6,576 |
| Net interest margin | 3.1520% | 5,155 |
| Noninterest income to average assets | 0.8615% | 1,823 |
| Noninterest expense to average assets | 3.5571% | 1,538 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.3472% | 5,345 |
| Return on assets (ROA) | 0.3472% | 5,459 |
| Pretax return on assets | 0.3541% | 5,597 |
| Return on Equity (ROE) | 2.8875% | 5,550 |
| Retained earnings to average equity (ytd only) | 2.8875% | 4,192 |
| Net charge-offs to loans | 0.2918% | 2,230 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 1.8889% | 4,422 |
| Efficiency ratio | 90.9457% | 956 |
| Assets per employee ($millions) | 3.5680% | 4,766 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5049% | 3,157 |
| Loan loss allowance to noncurrent loans | 1,002.3148% | 506 |
| Noncurrent assets plus other real estate owned to assets | 0.1009% | 6,035 |
| Noncurrent loans to loans | 0.1501% | 5,748 |
| Net loans and leases to total assets | 66.1919% | 2,665 |
| Net loans and leases to deposits | 76.3799% | 2,928 |
| Net loans and leases to core deposits | 80.0867% | 3,122 |
| Total domestic deposits to total assets | 86.6615% | 2,897 |
| Equity capital to assets | 12.3169% | 1,615 |
| Core capital (leverage) ratio | 11.7757% | 1,776 |
| Tier 1 risk-based capital ratio | 27.0322% | 679 |
| Total risk-based capital ratio | 28.2942% | 662 |
| Memoranda: | ||
| Average total assets | $216,020,600 | 2,846 |
| Average earning assets | $209,007,400 | 2,733 |
| Average equity | $25,974,400 | 2,550 |
| Average total loans | $138,794,200 | 2,725 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2636% | 6,115 |
| Cost of funding earning assets | 0.1405% | 6,669 |
| Net interest margin | 3.1230% | 5,256 |
| Noninterest income to average assets | 0.8043% | 2,122 |
| Noninterest expense to average assets | 3.5311% | 1,544 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.2974% | 5,623 |
| Return on assets (ROA) | 0.2974% | 5,740 |
| Pretax return on assets | 0.2974% | 5,887 |
| Return on Equity (ROE) | 2.4887% | 5,792 |
| Retained earnings to average equity (ytd only) | 2.4887% | 4,833 |
| Net charge-offs to loans | 0.3015% | 2,023 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 1.5530% | 4,321 |
| Efficiency ratio | 92.2310% | 837 |
| Assets per employee ($millions) | 3.7825% | 4,285 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5817% | 3,086 |
| Loan loss allowance to noncurrent loans | 957.2034% | 489 |
| Noncurrent assets plus other real estate owned to assets | 0.1076% | 6,114 |
| Noncurrent loans to loans | 0.1652% | 5,825 |
| Net loans and leases to total assets | 64.0711% | 2,992 |
| Net loans and leases to deposits | 73.0702% | 3,388 |
| Net loans and leases to core deposits | 76.4378% | 3,572 |
| Total domestic deposits to total assets | 87.6843% | 2,305 |
| Equity capital to assets | 11.8973% | 1,984 |
| Core capital (leverage) ratio | 11.9085% | 1,728 |
| Tier 1 risk-based capital ratio | 26.9221% | 711 |
| Total risk-based capital ratio | 28.1846% | 695 |
| Memoranda: | ||
| Average total assets | $216,506,000 | 2,870 |
| Average earning assets | $209,662,250 | 2,745 |
| Average equity | $25,876,000 | 2,586 |
| Average total loans | $137,525,750 | 2,751 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2753% | 6,123 |
| Cost of funding earning assets | 0.1394% | 6,738 |
| Net interest margin | 3.1359% | 5,172 |
| Noninterest income to average assets | 0.8963% | 1,821 |
| Noninterest expense to average assets | 3.6141% | 1,385 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.3090% | 5,581 |
| Return on assets (ROA) | 0.3090% | 5,726 |
| Pretax return on assets | 0.3090% | 5,855 |
| Return on Equity (ROE) | 2.5813% | 5,767 |
| Retained earnings to average equity (ytd only) | 2.5813% | 4,661 |
| Net charge-offs to loans | 0.3860% | 1,673 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 1.2710% | 4,118 |
| Efficiency ratio | 92.1239% | 889 |
| Assets per employee ($millions) | 4.1979% | 3,362 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6595% | 2,938 |
| Loan loss allowance to noncurrent loans | 1,288.8268% | 380 |
| Noncurrent assets plus other real estate owned to assets | 0.0836% | 6,250 |
| Noncurrent loans to loans | 0.1288% | 6,001 |
| Net loans and leases to total assets | 63.8565% | 2,937 |
| Net loans and leases to deposits | 73.1345% | 3,275 |
| Net loans and leases to core deposits | 76.8627% | 3,446 |
| Total domestic deposits to total assets | 87.3138% | 2,651 |
| Equity capital to assets | 12.1215% | 1,838 |
| Core capital (leverage) ratio | 11.9904% | 1,617 |
| Tier 1 risk-based capital ratio | 27.2094% | 677 |
| Total risk-based capital ratio | 28.4739% | 664 |
| Memoranda: | ||
| Average total assets | $215,546,000 | 2,899 |
| Average earning assets | $208,041,000 | 2,771 |
| Average equity | $25,801,000 | 2,598 |
| Average total loans | $135,760,330 | 2,777 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2426% | 6,250 |
| Cost of funding earning assets | 0.1289% | 6,842 |
| Net interest margin | 3.1137% | 5,214 |
| Noninterest income to average assets | 1.0376% | 1,371 |
| Noninterest expense to average assets | 3.6324% | 1,364 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.3995% | 5,133 |
| Return on assets (ROA) | 0.3995% | 5,275 |
| Pretax return on assets | 0.3995% | 5,561 |
| Return on Equity (ROE) | 3.3585% | 5,408 |
| Retained earnings to average equity (ytd only) | 3.3585% | 4,236 |
| Net charge-offs to loans | 0.5696% | 1,069 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 1.1309% | 3,454 |
| Efficiency ratio | 90.0917% | 1,142 |
| Assets per employee ($millions) | 3.8644% | 4,221 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7517% | 2,802 |
| Loan loss allowance to noncurrent loans | 677.4929% | 662 |
| Noncurrent assets plus other real estate owned to assets | 0.1811% | 6,028 |
| Noncurrent loans to loans | 0.2586% | 5,764 |
| Net loans and leases to total assets | 60.5511% | 3,337 |
| Net loans and leases to deposits | 69.3042% | 3,600 |
| Net loans and leases to core deposits | 72.9676% | 3,705 |
| Total domestic deposits to total assets | 87.3700% | 2,711 |
| Equity capital to assets | 11.7283% | 2,233 |
| Core capital (leverage) ratio | 11.9442% | 1,602 |
| Tier 1 risk-based capital ratio | 27.7088% | 656 |
| Total risk-based capital ratio | 28.9744% | 643 |
| Memoranda: | ||
| Average total assets | $216,273,500 | 2,918 |
| Average earning assets | $207,983,500 | 2,802 |
| Average equity | $25,726,000 | 2,636 |
| Average total loans | $134,131,500 | 2,814 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5591% | 6,286 |
| Cost of funding earning assets | 0.1873% | 6,861 |
| Net interest margin | 3.3718% | 4,989 |
| Noninterest income to average assets | 1.0782% | 1,338 |
| Noninterest expense to average assets | 3.6621% | 1,483 |
| Loan and lease loss provision to assets | 0.1047% | 4,329 |
| Net operating income to assets | 0.5598% | 4,430 |
| Return on assets (ROA) | 0.5598% | 4,687 |
| Pretax return on assets | 0.5598% | 5,106 |
| Return on Equity (ROE) | 4.5104% | 4,922 |
| Retained earnings to average equity (ytd only) | 4.5104% | 3,054 |
| Net charge-offs to loans | 0.2037% | 3,752 |
| Credit loss provision to net charge-offs | 80.7692% | 3,808 |
| Earnings coverage of net charge-offs (x) | 5.1269% | 3,141 |
| Efficiency ratio | 84.6429% | 1,553 |
| Assets per employee ($millions) | 3.7242% | 4,520 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9387% | 2,175 |
| Loan loss allowance to noncurrent loans | 433.2209% | 925 |
| Noncurrent assets plus other real estate owned to assets | 0.2794% | 5,852 |
| Noncurrent loans to loans | 0.4475% | 5,386 |
| Net loans and leases to total assets | 61.2125% | 3,391 |
| Net loans and leases to deposits | 70.3036% | 3,667 |
| Net loans and leases to core deposits | 75.0339% | 3,657 |
| Total domestic deposits to total assets | 87.0688% | 2,807 |
| Equity capital to assets | 12.0682% | 2,006 |
| Core capital (leverage) ratio | 11.8035% | 1,665 |
| Tier 1 risk-based capital ratio | 28.1211% | 618 |
| Total risk-based capital ratio | 29.3900% | 603 |
| Memoranda: | ||
| Average total assets | $200,621,000 | 3,030 |
| Average earning assets | $193,278,400 | 2,920 |
| Average equity | $24,898,200 | 2,666 |
| Average total loans | $127,662,600 | 2,922 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6515% | 6,310 |
| Cost of funding earning assets | 0.1900% | 6,966 |
| Net interest margin | 3.4615% | 4,802 |
| Noninterest income to average assets | 0.9556% | 1,656 |
| Noninterest expense to average assets | 3.6612% | 1,431 |
| Loan and lease loss provision to assets | 0.0883% | 4,503 |
| Net operating income to assets | 0.5483% | 4,630 |
| Return on assets (ROA) | 0.5483% | 4,891 |
| Pretax return on assets | 0.5483% | 5,311 |
| Return on Equity (ROE) | 4.3853% | 5,107 |
| Retained earnings to average equity (ytd only) | 4.3853% | 3,803 |
| Net charge-offs to loans | 0.1877% | 3,616 |
| Credit loss provision to net charge-offs | 73.5955% | 3,804 |
| Earnings coverage of net charge-offs (x) | 5.3033% | 3,054 |
| Efficiency ratio | 85.1875% | 1,462 |
| Assets per employee ($millions) | 4.1876% | 3,502 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0540% | 2,025 |
| Loan loss allowance to noncurrent loans | 394.0184% | 952 |
| Noncurrent assets plus other real estate owned to assets | 0.3053% | 5,929 |
| Noncurrent loans to loans | 0.5213% | 5,403 |
| Net loans and leases to total assets | 57.3618% | 4,229 |
| Net loans and leases to deposits | 65.5006% | 4,534 |
| Net loans and leases to core deposits | 69.8479% | 4,512 |
| Total domestic deposits to total assets | 87.5745% | 2,306 |
| Equity capital to assets | 11.8500% | 2,392 |
| Core capital (leverage) ratio | 12.5223% | 1,399 |
| Tier 1 risk-based capital ratio | 29.1678% | 571 |
| Total risk-based capital ratio | 30.4390% | 564 |
| Memoranda: | ||
| Average total assets | $197,707,000 | 3,108 |
| Average earning assets | $190,893,500 | 2,981 |
| Average equity | $24,718,250 | 2,711 |
| Average total loans | $126,451,000 | 2,981 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6705% | 6,385 |
| Cost of funding earning assets | 0.1916% | 7,046 |
| Net interest margin | 3.4789% | 4,767 |
| Noninterest income to average assets | 0.9885% | 1,496 |
| Noninterest expense to average assets | 3.7896% | 1,234 |
| Loan and lease loss provision to assets | 0.4948% | 1,286 |
| Net operating income to assets | 0.0634% | 6,235 |
| Return on assets (ROA) | 0.0634% | 6,375 |
| Pretax return on assets | 0.0634% | 6,371 |
| Return on Equity (ROE) | 0.4975% | 6,391 |
| Retained earnings to average equity (ytd only) | 0.4975% | 5,869 |
| Net charge-offs to loans | 0.8242% | 1,339 |
| Credit loss provision to net charge-offs | 91.0134% | 3,014 |
| Earnings coverage of net charge-offs (x) | 1.0268% | 4,510 |
| Efficiency ratio | 87.1623% | 1,321 |
| Assets per employee ($millions) | 3.5559% | 4,854 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9513% | 2,366 |
| Loan loss allowance to noncurrent loans | 603.0516% | 623 |
| Noncurrent assets plus other real estate owned to assets | 0.2260% | 6,207 |
| Noncurrent loans to loans | 0.3236% | 5,909 |
| Net loans and leases to total assets | 68.4955% | 2,200 |
| Net loans and leases to deposits | 79.1102% | 2,510 |
| Net loans and leases to core deposits | 87.0487% | 2,308 |
| Total domestic deposits to total assets | 86.5824% | 3,021 |
| Equity capital to assets | 13.0297% | 1,502 |
| Core capital (leverage) ratio | 12.7674% | 1,232 |
| Tier 1 risk-based capital ratio | 26.2921% | 781 |
| Total risk-based capital ratio | 27.5608% | 767 |
| Memoranda: | ||
| Average total assets | $192,419,670 | 3,188 |
| Average earning assets | $185,806,670 | 3,044 |
| Average equity | $24,521,670 | 2,719 |
| Average total loans | $126,909,330 | 2,983 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5965% | 6,578 |
| Cost of funding earning assets | 0.1815% | 7,129 |
| Net interest margin | 3.4149% | 5,056 |
| Noninterest income to average assets | 1.1770% | 1,031 |
| Noninterest expense to average assets | 3.6605% | 1,449 |
| Loan and lease loss provision to assets | 0.7675% | 651 |
| Net operating income to assets | 0.0391% | 6,355 |
| Return on assets (ROA) | 0.0391% | 6,472 |
| Pretax return on assets | 0.0391% | 6,470 |
| Return on Equity (ROE) | 0.3101% | 6,473 |
| Retained earnings to average equity (ytd only) | 0.3101% | 5,885 |
| Net charge-offs to loans | 1.3490% | 752 |
| Credit loss provision to net charge-offs | 88.8095% | 2,571 |
| Earnings coverage of net charge-offs (x) | 0.9333% | 3,861 |
| Efficiency ratio | 81.9438% | 1,938 |
| Assets per employee ($millions) | 3.8482% | 4,326 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0377% | 2,247 |
| Loan loss allowance to noncurrent loans | 183.5000% | 1,793 |
| Noncurrent assets plus other real estate owned to assets | 0.6996% | 5,148 |
| Noncurrent loans to loans | 1.1105% | 4,475 |
| Net loans and leases to total assets | 61.7203% | 3,312 |
| Net loans and leases to deposits | 70.9034% | 3,604 |
| Net loans and leases to core deposits | 75.6420% | 3,663 |
| Total domestic deposits to total assets | 87.0484% | 2,933 |
| Equity capital to assets | 12.2505% | 1,878 |
| Core capital (leverage) ratio | 12.6207% | 1,280 |
| Tier 1 risk-based capital ratio | 27.0619% | 724 |
| Total risk-based capital ratio | 28.3314% | 707 |
| Memoranda: | ||
| Average total assets | $194,398,500 | 3,176 |
| Average earning assets | $187,294,500 | 3,048 |
| Average equity | $24,504,500 | 2,715 |
| Average total loans | $124,535,500 | 3,055 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6118% | 6,926 |
| Cost of funding earning assets | 0.1818% | 7,255 |
| Net interest margin | 3.4300% | 5,392 |
| Noninterest income to average assets | 0.9418% | 1,531 |
| Noninterest expense to average assets | 3.4406% | 2,138 |
| Loan and lease loss provision to assets | 0.4345% | 2,427 |
| Net operating income to assets | 0.3279% | 5,158 |
| Return on assets (ROA) | 0.3279% | 5,305 |
| Pretax return on assets | 0.3325% | 5,466 |
| Return on Equity (ROE) | 3.1063% | 5,242 |
| Retained earnings to average equity (ytd only) | 3.1063% | 4,024 |
| Net charge-offs to loans | 0.9865% | 1,758 |
| Credit loss provision to net charge-offs | 69.2237% | 4,882 |
| Earnings coverage of net charge-offs (x) | 1.2219% | 4,864 |
| Efficiency ratio | 81.7711% | 2,054 |
| Assets per employee ($millions) | 3.6998% | 4,550 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1261% | 1,938 |
| Loan loss allowance to noncurrent loans | 153.1030% | 2,088 |
| Noncurrent assets plus other real estate owned to assets | 0.9052% | 4,802 |
| Noncurrent loans to loans | 1.3887% | 4,061 |
| Net loans and leases to total assets | 63.7980% | 3,235 |
| Net loans and leases to deposits | 74.4784% | 3,424 |
| Net loans and leases to core deposits | 78.8649% | 3,586 |
| Total domestic deposits to total assets | 85.6596% | 3,507 |
| Equity capital to assets | 12.9815% | 1,491 |
| Core capital (leverage) ratio | 13.0974% | 1,106 |
| Tier 1 risk-based capital ratio | 27.3501% | 681 |
| Total risk-based capital ratio | 28.6207% | 660 |
| Memoranda: | ||
| Average total assets | $174,444,600 | 3,424 |
| Average earning assets | $166,093,600 | 3,309 |
| Average equity | $18,414,400 | 3,372 |
| Average total loans | $111,002,600 | 3,355 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6146% | 7,004 |
| Cost of funding earning assets | 0.1860% | 7,341 |
| Net interest margin | 3.4286% | 5,471 |
| Noninterest income to average assets | 0.9901% | 1,363 |
| Noninterest expense to average assets | 3.1748% | 2,904 |
| Loan and lease loss provision to assets | 0.5165% | 1,923 |
| Net operating income to assets | 0.5485% | 4,330 |
| Return on assets (ROA) | 0.5485% | 4,514 |
| Pretax return on assets | 0.5485% | 4,980 |
| Return on Equity (ROE) | 5.5481% | 4,252 |
| Retained earnings to average equity (ytd only) | 5.5481% | 2,825 |
| Net charge-offs to loans | 0.9864% | 1,635 |
| Credit loss provision to net charge-offs | 82.8536% | 4,041 |
| Earnings coverage of net charge-offs (x) | 1.7084% | 4,377 |
| Efficiency ratio | 74.8804% | 3,026 |
| Assets per employee ($millions) | 3.7854% | 4,338 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4481% | 1,472 |
| Loan loss allowance to noncurrent loans | 97.4262% | 3,020 |
| Noncurrent assets plus other real estate owned to assets | 1.6379% | 3,628 |
| Noncurrent loans to loans | 2.5128% | 2,758 |
| Net loans and leases to total assets | 63.5854% | 3,396 |
| Net loans and leases to deposits | 75.1606% | 3,481 |
| Net loans and leases to core deposits | 77.8004% | 3,937 |
| Total domestic deposits to total assets | 84.5994% | 3,963 |
| Equity capital to assets | 13.9173% | 1,190 |
| Core capital (leverage) ratio | 14.0560% | 888 |
| Tier 1 risk-based capital ratio | 32.8766% | 423 |
| Total risk-based capital ratio | 34.1579% | 418 |
| Memoranda: | ||
| Average total assets | $170,883,000 | 3,503 |
| Average earning assets | $161,967,250 | 3,388 |
| Average equity | $16,894,250 | 3,607 |
| Average total loans | $108,004,250 | 3,463 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6157% | 7,088 |
| Cost of funding earning assets | 0.1868% | 7,421 |
| Net interest margin | 3.4289% | 5,448 |
| Noninterest income to average assets | 1.1677% | 930 |
| Noninterest expense to average assets | 3.0557% | 3,410 |
| Loan and lease loss provision to assets | 0.6883% | 1,383 |
| Net operating income to assets | 0.6479% | 3,811 |
| Return on assets (ROA) | 0.6479% | 3,937 |
| Pretax return on assets | 0.6479% | 4,579 |
| Return on Equity (ROE) | 7.6513% | 3,122 |
| Retained earnings to average equity (ytd only) | 7.6513% | 1,601 |
| Net charge-offs to loans | 1.3498% | 1,132 |
| Credit loss provision to net charge-offs | 81.5752% | 3,721 |
| Earnings coverage of net charge-offs (x) | 1.5837% | 4,100 |
| Efficiency ratio | 69.5758% | 4,192 |
| Assets per employee ($millions) | 3.9277% | 3,929 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6259% | 1,278 |
| Loan loss allowance to noncurrent loans | 110.3997% | 2,613 |
| Noncurrent assets plus other real estate owned to assets | 1.5258% | 3,913 |
| Noncurrent loans to loans | 2.3786% | 3,011 |
| Net loans and leases to total assets | 62.4644% | 3,797 |
| Net loans and leases to deposits | 69.3838% | 4,515 |
| Net loans and leases to core deposits | 71.9161% | 4,833 |
| Total domestic deposits to total assets | 90.0274% | 960 |
| Equity capital to assets | 8.6469% | 6,003 |
| Core capital (leverage) ratio | 8.6819% | 5,253 |
| Tier 1 risk-based capital ratio | 21.1591% | 1,390 |
| Total risk-based capital ratio | 22.4442% | 1,363 |
| Memoranda: | ||
| Average total assets | $168,539,000 | 3,562 |
| Average earning assets | $158,477,670 | 3,469 |
| Average equity | $14,272,000 | 4,069 |
| Average total loans | $105,350,000 | 3,556 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6286% | 7,116 |
| Cost of funding earning assets | 0.1798% | 7,488 |
| Net interest margin | 3.4488% | 5,231 |
| Noninterest income to average assets | 1.4706% | 594 |
| Noninterest expense to average assets | 3.2691% | 2,649 |
| Loan and lease loss provision to assets | 1.1642% | 608 |
| Net operating income to assets | 0.2281% | 5,688 |
| Return on assets (ROA) | 0.2281% | 5,756 |
| Pretax return on assets | 0.2281% | 5,879 |
| Return on Equity (ROE) | 2.7222% | 5,507 |
| Retained earnings to average equity (ytd only) | 2.7222% | 4,540 |
| Net charge-offs to loans | 1.7756% | 735 |
| Credit loss provision to net charge-offs | 106.2907% | 2,511 |
| Earnings coverage of net charge-offs (x) | 1.2711% | 3,717 |
| Efficiency ratio | 70.1325% | 4,235 |
| Assets per employee ($millions) | 4.0351% | 3,770 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8933% | 1,016 |
| Loan loss allowance to noncurrent loans | 111.1317% | 2,607 |
| Noncurrent assets plus other real estate owned to assets | 1.5955% | 3,857 |
| Noncurrent loans to loans | 2.6035% | 2,895 |
| Net loans and leases to total assets | 59.5112% | 4,358 |
| Net loans and leases to deposits | 65.3826% | 5,064 |
| Net loans and leases to core deposits | 67.5223% | 5,353 |
| Total domestic deposits to total assets | 91.0199% | 621 |
| Equity capital to assets | 8.3517% | 6,103 |
| Core capital (leverage) ratio | 8.3910% | 5,645 |
| Tier 1 risk-based capital ratio | 22.4289% | 1,156 |
| Total risk-based capital ratio | 23.7220% | 1,129 |
| Memoranda: | ||
| Average total assets | $168,362,000 | 3,584 |
| Average earning assets | $155,764,000 | 3,546 |
| Average equity | $14,106,000 | 4,092 |
| Average total loans | $103,853,500 | 3,627 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3175% | 6,759 |
| Cost of funding earning assets | 0.3085% | 7,497 |
| Net interest margin | 4.0090% | 2,985 |
| Noninterest income to average assets | 0.9736% | 1,593 |
| Noninterest expense to average assets | 3.2991% | 2,741 |
| Loan and lease loss provision to assets | 1.8709% | 731 |
| Net operating income to assets | -0.7101% | 6,525 |
| Return on assets (ROA) | -0.7101% | 6,560 |
| Pretax return on assets | -0.4798% | 6,302 |
| Return on Equity (ROE) | -7.3623% | 6,576 |
| Retained earnings to average equity (ytd only) | -7.3623% | 6,484 |
| Net charge-offs to loans | 5.0116% | 177 |
| Credit loss provision to net charge-offs | 48.9495% | 6,275 |
| Earnings coverage of net charge-offs (x) | 0.3640% | 5,741 |
| Efficiency ratio | 70.3410% | 4,106 |
| Assets per employee ($millions) | 3.8895% | 4,031 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8658% | 987 |
| Loan loss allowance to noncurrent loans | 108.1788% | 2,675 |
| Noncurrent assets plus other real estate owned to assets | 1.6448% | 3,836 |
| Noncurrent loans to loans | 2.6491% | 2,869 |
| Net loans and leases to total assets | 60.3109% | 4,629 |
| Net loans and leases to deposits | 66.2081% | 5,373 |
| Net loans and leases to core deposits | 67.6168% | 5,694 |
| Total domestic deposits to total assets | 91.0930% | 559 |
| Equity capital to assets | 8.4054% | 5,995 |
| Core capital (leverage) ratio | 9.1559% | 4,254 |
| Tier 1 risk-based capital ratio | 21.3158% | 1,276 |
| Total risk-based capital ratio | 22.6062% | 1,241 |
| Memoranda: | ||
| Average total assets | $150,675,600 | 3,860 |
| Average earning assets | $139,687,200 | 3,825 |
| Average equity | $14,533,600 | 4,027 |
| Average total loans | $114,913,600 | 3,428 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4919% | 6,622 |
| Cost of funding earning assets | 0.3545% | 7,604 |
| Net interest margin | 4.1374% | 2,457 |
| Noninterest income to average assets | 1.2102% | 949 |
| Noninterest expense to average assets | 3.2747% | 2,660 |
| Loan and lease loss provision to assets | 2.5586% | 402 |
| Net operating income to assets | -0.7680% | 6,775 |
| Return on assets (ROA) | -0.7680% | 6,808 |
| Pretax return on assets | -0.7680% | 6,719 |
| Return on Equity (ROE) | -7.6800% | 6,821 |
| Retained earnings to average equity (ytd only) | -7.6800% | 6,751 |
| Net charge-offs to loans | 4.6044% | 210 |
| Credit loss provision to net charge-offs | 69.1929% | 5,441 |
| Earnings coverage of net charge-offs (x) | 0.4843% | 5,541 |
| Efficiency ratio | 64.6488% | 5,117 |
| Assets per employee ($millions) | 3.5006% | 4,978 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2227% | 306 |
| Loan loss allowance to noncurrent loans | 114.9088% | 2,449 |
| Noncurrent assets plus other real estate owned to assets | 3.8572% | 1,833 |
| Noncurrent loans to loans | 3.6748% | 2,127 |
| Net loans and leases to total assets | 77.4693% | 1,134 |
| Net loans and leases to deposits | 86.9807% | 2,152 |
| Net loans and leases to core deposits | 89.8758% | 3,111 |
| Total domestic deposits to total assets | 89.0650% | 1,363 |
| Equity capital to assets | 10.4626% | 3,556 |
| Core capital (leverage) ratio | 10.3079% | 2,905 |
| Tier 1 risk-based capital ratio | 20.8185% | 1,392 |
| Total risk-based capital ratio | 22.1273% | 1,357 |
| Memoranda: | ||
| Average total assets | $146,532,000 | 3,991 |
| Average earning assets | $136,538,500 | 3,927 |
| Average equity | $14,652,500 | 4,067 |
| Average total loans | $117,680,500 | 3,409 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4176% | 6,863 |
| Cost of funding earning assets | 0.3898% | 7,662 |
| Net interest margin | 4.0277% | 2,886 |
| Noninterest income to average assets | 1.2798% | 782 |
| Noninterest expense to average assets | 3.1868% | 2,952 |
| Loan and lease loss provision to assets | 2.4155% | 478 |
| Net operating income to assets | -0.5445% | 6,691 |
| Return on assets (ROA) | -0.5445% | 6,723 |
| Pretax return on assets | -0.5445% | 6,620 |
| Return on Equity (ROE) | -5.5227% | 6,742 |
| Retained earnings to average equity (ytd only) | -5.5227% | 6,614 |
| Net charge-offs to loans | 6.1050% | 128 |
| Credit loss provision to net charge-offs | 49.3726% | 5,433 |
| Earnings coverage of net charge-offs (x) | 0.3824% | 5,354 |
| Efficiency ratio | 63.0079% | 5,517 |
| Assets per employee ($millions) | 3.7451% | 4,358 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6881% | 478 |
| Loan loss allowance to noncurrent loans | 149.4113% | 1,867 |
| Noncurrent assets plus other real estate owned to assets | 3.0001% | 2,378 |
| Noncurrent loans to loans | 2.4684% | 3,179 |
| Net loans and leases to total assets | 72.6065% | 2,257 |
| Net loans and leases to deposits | 81.8134% | 3,300 |
| Net loans and leases to core deposits | 88.5860% | 3,469 |
| Total domestic deposits to total assets | 88.7464% | 1,572 |
| Equity capital to assets | 10.0781% | 3,913 |
| Core capital (leverage) ratio | 9.9572% | 3,213 |
| Tier 1 risk-based capital ratio | 21.8790% | 1,222 |
| Total risk-based capital ratio | 23.1885% | 1,189 |
| Memoranda: | ||
| Average total assets | $149,867,670 | 3,954 |
| Average earning assets | $140,575,000 | 3,893 |
| Average equity | $14,775,330 | 4,036 |
| Average total loans | $120,098,000 | 3,405 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3729% | 7,036 |
| Cost of funding earning assets | 0.4166% | 7,762 |
| Net interest margin | 3.9563% | 3,070 |
| Noninterest income to average assets | 1.7289% | 430 |
| Noninterest expense to average assets | 3.0493% | 3,484 |
| Loan and lease loss provision to assets | 4.0719% | 210 |
| Net operating income to assets | -1.7131% | 7,389 |
| Return on assets (ROA) | -1.7131% | 7,395 |
| Pretax return on assets | -1.7131% | 7,322 |
| Return on Equity (ROE) | -17.5640% | 7,384 |
| Retained earnings to average equity (ytd only) | -17.5640% | 7,297 |
| Net charge-offs to loans | 5.5735% | 201 |
| Credit loss provision to net charge-offs | 88.6403% | 3,688 |
| Earnings coverage of net charge-offs (x) | 0.5135% | 4,578 |
| Efficiency ratio | 56.3840% | 6,716 |
| Assets per employee ($millions) | 3.8110% | 4,280 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6648% | 229 |
| Loan loss allowance to noncurrent loans | 43.4432% | 5,461 |
| Noncurrent assets plus other real estate owned to assets | 9.4129% | 449 |
| Noncurrent loans to loans | 10.7377% | 376 |
| Net loans and leases to total assets | 76.6597% | 1,401 |
| Net loans and leases to deposits | 85.8135% | 2,623 |
| Net loans and leases to core deposits | 99.2079% | 2,212 |
| Total domestic deposits to total assets | 89.3329% | 1,344 |
| Equity capital to assets | 9.4975% | 4,536 |
| Core capital (leverage) ratio | 9.2123% | 4,201 |
| Tier 1 risk-based capital ratio | 18.8121% | 1,765 |
| Total risk-based capital ratio | 20.1388% | 1,705 |
| Memoranda: | ||
| Average total assets | $151,771,500 | 3,984 |
| Average earning assets | $141,140,500 | 3,937 |
| Average equity | $14,803,000 | 4,056 |
| Average total loans | $125,092,000 | 3,365 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8889% | 6,734 |
| Cost of funding earning assets | 0.6449% | 7,741 |
| Net interest margin | 4.2440% | 1,921 |
| Noninterest income to average assets | 1.1089% | 1,250 |
| Noninterest expense to average assets | 2.9091% | 4,508 |
| Loan and lease loss provision to assets | 6.3657% | 92 |
| Net operating income to assets | -3.5045% | 7,507 |
| Return on assets (ROA) | -3.5045% | 7,515 |
| Pretax return on assets | -4.1524% | 7,563 |
| Return on Equity (ROE) | -28.3099% | 7,370 |
| Retained earnings to average equity (ytd only) | -28.3099% | 7,351 |
| Net charge-offs to loans | 4.1181% | 387 |
| Credit loss provision to net charge-offs | 174.6177% | 2,409 |
| Earnings coverage of net charge-offs (x) | 0.6071% | 5,493 |
| Efficiency ratio | 56.7917% | 6,915 |
| Assets per employee ($millions) | 3.9764% | 3,856 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6361% | 223 |
| Loan loss allowance to noncurrent loans | 45.0228% | 5,403 |
| Noncurrent assets plus other real estate owned to assets | 9.4459% | 419 |
| Noncurrent loans to loans | 10.2973% | 386 |
| Net loans and leases to total assets | 80.5345% | 905 |
| Net loans and leases to deposits | 90.6686% | 2,112 |
| Net loans and leases to core deposits | 109.3391% | 2,970 |
| Total domestic deposits to total assets | 88.8229% | 1,556 |
| Equity capital to assets | 10.0117% | 3,750 |
| Core capital (leverage) ratio | 9.9266% | 3,162 |
| Tier 1 risk-based capital ratio | 18.7455% | 1,711 |
| Total risk-based capital ratio | 20.0701% | 1,655 |
| Memoranda: | ||
| Average total assets | $152,488,600 | 3,919 |
| Average earning assets | $144,204,200 | 3,813 |
| Average equity | $18,876,800 | 3,360 |
| Average total loans | $134,987,800 | 3,172 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9593% | 6,736 |
| Cost of funding earning assets | 0.6976% | 7,815 |
| Net interest margin | 4.2617% | 1,837 |
| Noninterest income to average assets | 1.0250% | 1,512 |
| Noninterest expense to average assets | 2.8265% | 4,779 |
| Loan and lease loss provision to assets | 4.2398% | 254 |
| Net operating income to assets | -1.2030% | 6,957 |
| Return on assets (ROA) | -1.2030% | 6,967 |
| Pretax return on assets | -1.9960% | 7,181 |
| Return on Equity (ROE) | -9.2794% | 6,835 |
| Retained earnings to average equity (ytd only) | -9.2794% | 6,735 |
| Net charge-offs to loans | 3.7095% | 393 |
| Credit loss provision to net charge-offs | 127.6596% | 3,933 |
| Earnings coverage of net charge-offs (x) | 0.6756% | 5,356 |
| Efficiency ratio | 55.7467% | 7,037 |
| Assets per employee ($millions) | 4.3626% | 3,100 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1363% | 1,527 |
| Loan loss allowance to noncurrent loans | 22.4799% | 6,940 |
| Noncurrent assets plus other real estate owned to assets | 9.0745% | 424 |
| Noncurrent loans to loans | 9.5030% | 436 |
| Net loans and leases to total assets | 87.1258% | 264 |
| Net loans and leases to deposits | 100.5368% | 1,060 |
| Net loans and leases to core deposits | 137.3435% | 1,041 |
| Total domestic deposits to total assets | 86.6606% | 2,351 |
| Equity capital to assets | 12.7353% | 1,810 |
| Core capital (leverage) ratio | 12.2642% | 1,674 |
| Tier 1 risk-based capital ratio | 21.7875% | 1,247 |
| Total risk-based capital ratio | 23.0620% | 1,226 |
| Memoranda: | ||
| Average total assets | $152,835,000 | 3,934 |
| Average earning assets | $145,070,000 | 3,818 |
| Average equity | $19,814,000 | 3,270 |
| Average total loans | $136,833,250 | 3,177 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0228% | 6,693 |
| Cost of funding earning assets | 0.7456% | 7,875 |
| Net interest margin | 4.2772% | 1,716 |
| Noninterest income to average assets | 1.0885% | 1,349 |
| Noninterest expense to average assets | 2.8652% | 4,662 |
| Loan and lease loss provision to assets | 4.4306% | 260 |
| Net operating income to assets | -1.2946% | 7,161 |
| Return on assets (ROA) | -1.2946% | 7,167 |
| Pretax return on assets | -2.1408% | 7,327 |
| Return on Equity (ROE) | -9.9294% | 7,028 |
| Retained earnings to average equity (ytd only) | -9.9294% | 6,869 |
| Net charge-offs to loans | 4.2347% | 321 |
| Credit loss provision to net charge-offs | 116.6496% | 3,977 |
| Earnings coverage of net charge-offs (x) | 0.6029% | 5,108 |
| Efficiency ratio | 55.5807% | 7,156 |
| Assets per employee ($millions) | 4.6109% | 2,586 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6412% | 2,561 |
| Loan loss allowance to noncurrent loans | 19.2590% | 7,172 |
| Noncurrent assets plus other real estate owned to assets | 7.8031% | 497 |
| Noncurrent loans to loans | 8.5219% | 485 |
| Net loans and leases to total assets | 86.2417% | 358 |
| Net loans and leases to deposits | 98.8550% | 1,416 |
| Net loans and leases to core deposits | 162.5571% | 411 |
| Total domestic deposits to total assets | 87.2406% | 2,129 |
| Equity capital to assets | 12.3786% | 1,988 |
| Core capital (leverage) ratio | 12.3957% | 1,652 |
| Tier 1 risk-based capital ratio | 22.9670% | 1,138 |
| Total risk-based capital ratio | 24.2346% | 1,109 |
| Memoranda: | ||
| Average total assets | $154,337,330 | 3,934 |
| Average earning assets | $146,732,000 | 3,802 |
| Average equity | $20,122,000 | 3,222 |
| Average total loans | $138,426,670 | 3,172 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1459% | 6,501 |
| Cost of funding earning assets | 0.8306% | 7,882 |
| Net interest margin | 4.3153% | 1,563 |
| Noninterest income to average assets | 1.2304% | 944 |
| Noninterest expense to average assets | 2.8631% | 4,286 |
| Loan and lease loss provision to assets | 1.9044% | 639 |
| Net operating income to assets | 0.3918% | 4,888 |
| Return on assets (ROA) | 0.3918% | 5,066 |
| Pretax return on assets | 0.5616% | 4,876 |
| Return on Equity (ROE) | 2.9297% | 5,400 |
| Retained earnings to average equity (ytd only) | 2.9297% | 4,238 |
| Net charge-offs to loans | 1.1547% | 1,188 |
| Credit loss provision to net charge-offs | 181.7955% | 2,397 |
| Earnings coverage of net charge-offs (x) | 2.3541% | 3,550 |
| Efficiency ratio | 53.7255% | 7,247 |
| Assets per employee ($millions) | 4.2066% | 3,251 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4982% | 3,002 |
| Loan loss allowance to noncurrent loans | 17.7177% | 7,277 |
| Noncurrent assets plus other real estate owned to assets | 8.0740% | 359 |
| Noncurrent loans to loans | 8.4560% | 405 |
| Net loans and leases to total assets | 90.9982% | 99 |
| Net loans and leases to deposits | 105.8695% | 874 |
| Net loans and leases to core deposits | 157.3410% | 538 |
| Total domestic deposits to total assets | 85.9531% | 2,751 |
| Equity capital to assets | 13.5734% | 1,503 |
| Core capital (leverage) ratio | 13.1950% | 1,420 |
| Tier 1 risk-based capital ratio | 24.0883% | 1,072 |
| Total risk-based capital ratio | 25.3527% | 1,043 |
| Memoranda: | ||
| Average total assets | $153,120,500 | 3,959 |
| Average earning assets | $145,435,000 | 3,842 |
| Average equity | $20,480,000 | 3,193 |
| Average total loans | $138,911,000 | 3,194 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5196% | 7,252 |
| Cost of funding earning assets | 1.6287% | 7,388 |
| Net interest margin | 3.8908% | 3,605 |
| Noninterest income to average assets | 0.7913% | 2,568 |
| Noninterest expense to average assets | 2.4645% | 6,153 |
| Loan and lease loss provision to assets | 1.5675% | 847 |
| Net operating income to assets | 0.3318% | 5,438 |
| Return on assets (ROA) | 0.3318% | 5,257 |
| Pretax return on assets | 0.4664% | 5,079 |
| Return on Equity (ROE) | 2.5974% | 5,384 |
| Retained earnings to average equity (ytd only) | 2.5974% | 3,573 |
| Net charge-offs to loans | 1.4259% | 821 |
| Credit loss provision to net charge-offs | 126.9133% | 4,211 |
| Earnings coverage of net charge-offs (x) | 1.6467% | 5,263 |
| Efficiency ratio | 54.7871% | 7,175 |
| Assets per employee ($millions) | 4.4230% | 2,744 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2819% | 3,917 |
| Loan loss allowance to noncurrent loans | 19.6992% | 7,252 |
| Noncurrent assets plus other real estate owned to assets | 5.9720% | 504 |
| Noncurrent loans to loans | 6.5073% | 490 |
| Net loans and leases to total assets | 87.9519% | 376 |
| Net loans and leases to deposits | 102.0530% | 1,582 |
| Net loans and leases to core deposits | 169.8422% | 402 |
| Total domestic deposits to total assets | 86.1826% | 2,325 |
| Equity capital to assets | 13.1811% | 1,718 |
| Core capital (leverage) ratio | 13.0147% | 1,535 |
| Tier 1 risk-based capital ratio | 24.3001% | 1,052 |
| Total risk-based capital ratio | 25.5612% | 1,030 |
| Memoranda: | ||
| Average total assets | $159,745,800 | 3,721 |
| Average earning assets | $152,203,400 | 3,612 |
| Average equity | $20,405,200 | 3,166 |
| Average total loans | $138,373,000 | 3,122 |