Home > Equitable Bank > Performance and Condition Ratios
Equitable Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1646% | 1,732 |
| Cost of funding earning assets | 2.1675% | 682 |
| Net interest margin | 2.9972% | 3,287 |
| Noninterest income to average assets | 1.0200% | 609 |
| Noninterest expense to average assets | 3.0930% | 971 |
| Loan and lease loss provision to assets | -0.0100% | 4,255 |
| Net operating income to assets | 0.5782% | 3,499 |
| Return on assets (ROA) | 0.5782% | 3,488 |
| Pretax return on assets | 0.7515% | 3,335 |
| Return on Equity (ROE) | 6.2900% | 3,463 |
| Retained earnings to average equity (ytd only) | 4.3953% | 2,830 |
| Net charge-offs to loans | -0.0223% | 4,199 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 79.6708% | 934 |
| Assets per employee ($millions) | 5.9983% | 2,828 |
| Cash dividends to net income (ytd only)* | 30.1525% | 2,536 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3510% | 1,579 |
| Loan loss allowance to noncurrent loans | 369.0753% | 1,777 |
| Noncurrent assets plus other real estate owned to assets | 0.3280% | 1,634 |
| Noncurrent loans to loans | 0.3660% | 1,889 |
| Net loans and leases to total assets | 88.4000% | 69 |
| Net loans and leases to deposits | 102.6083% | 413 |
| Net loans and leases to core deposits | 115.4376% | 764 |
| Total domestic deposits to total assets | 86.1500% | 1,965 |
| Equity capital to assets | 9.2254% | 2,524 |
| Core capital (leverage) ratio | 9.2119% | 3,514 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5133% | 2,407 |
| Memoranda: | ||
| Average total assets | $487,585,600 | 1,754 |
| Average earning assets | $459,064,000 | 1,734 |
| Average equity | $44,797,800 | 1,739 |
| Average total loans | $430,147,000 | 1,395 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0523% | 1,728 |
| Cost of funding earning assets | 2.0260% | 675 |
| Net interest margin | 3.0263% | 3,288 |
| Noninterest income to average assets | 1.0100% | 629 |
| Noninterest expense to average assets | 3.0852% | 948 |
| Loan and lease loss provision to assets | -0.0100% | 4,305 |
| Net operating income to assets | 0.5985% | 3,548 |
| Return on assets (ROA) | 0.5985% | 3,535 |
| Pretax return on assets | 0.7769% | 3,385 |
| Return on Equity (ROE) | 6.5200% | 3,541 |
| Retained earnings to average equity (ytd only) | 6.5205% | 2,453 |
| Net charge-offs to loans | -0.0300% | 4,246 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 79.0945% | 919 |
| Assets per employee ($millions) | 5.7974% | 2,933 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4136% | 1,400 |
| Loan loss allowance to noncurrent loans | 624.5596% | 1,229 |
| Noncurrent assets plus other real estate owned to assets | 0.1958% | 2,288 |
| Noncurrent loans to loans | 0.2263% | 2,444 |
| Net loans and leases to total assets | 85.3000% | 192 |
| Net loans and leases to deposits | 98.2956% | 602 |
| Net loans and leases to core deposits | 109.0827% | 907 |
| Total domestic deposits to total assets | 86.7800% | 1,957 |
| Equity capital to assets | 9.2997% | 2,223 |
| Core capital (leverage) ratio | 9.3115% | 3,477 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8889% | 2,304 |
| Memoranda: | ||
| Average total assets | $485,016,500 | 1,764 |
| Average earning assets | $456,257,250 | 1,744 |
| Average equity | $44,514,750 | 1,733 |
| Average total loans | $426,154,000 | 1,400 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9156% | 1,728 |
| Cost of funding earning assets | 1.8301% | 699 |
| Net interest margin | 3.0855% | 3,256 |
| Noninterest income to average assets | 1.0000% | 566 |
| Noninterest expense to average assets | 3.0015% | 1,044 |
| Loan and lease loss provision to assets | 0.0400% | 2,074 |
| Net operating income to assets | 0.6600% | 3,435 |
| Return on assets (ROA) | 0.6600% | 3,439 |
| Pretax return on assets | 0.8557% | 3,274 |
| Return on Equity (ROE) | 7.2200% | 3,433 |
| Retained earnings to average equity (ytd only) | 7.2237% | 2,219 |
| Net charge-offs to loans | 0.0141% | 1,663 |
| Credit loss provision to net charge-offs | 306.6667% | 853 |
| Earnings coverage of net charge-offs (x) | 71.8667% | 1,104 |
| Efficiency ratio | 76.1388% | 1,165 |
| Assets per employee ($millions) | 5.6588% | 3,012 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4596% | 1,311 |
| Loan loss allowance to noncurrent loans | 893.2471% | 1,025 |
| Noncurrent assets plus other real estate owned to assets | 0.1447% | 2,533 |
| Noncurrent loans to loans | 0.1634% | 2,657 |
| Net loans and leases to total assets | 87.2600% | 107 |
| Net loans and leases to deposits | 101.5855% | 450 |
| Net loans and leases to core deposits | 113.0546% | 712 |
| Total domestic deposits to total assets | 85.9000% | 2,264 |
| Equity capital to assets | 9.3573% | 2,261 |
| Core capital (leverage) ratio | 9.4428% | 3,321 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6580% | 2,415 |
| Memoranda: | ||
| Average total assets | $482,428,333 | 1,767 |
| Average earning assets | $453,088,667 | 1,748 |
| Average equity | $44,077,333 | 1,749 |
| Average total loans | $426,088,667 | 1,383 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7800% | 1,668 |
| Cost of funding earning assets | 1.6383% | 648 |
| Net interest margin | 3.1417% | 3,259 |
| Noninterest income to average assets | 0.9300% | 645 |
| Noninterest expense to average assets | 2.9242% | 1,186 |
| Loan and lease loss provision to assets | -0.1000% | 4,576 |
| Net operating income to assets | 0.7551% | 3,329 |
| Return on assets (ROA) | 0.7551% | 3,282 |
| Pretax return on assets | 1.0564% | 2,840 |
| Return on Equity (ROE) | 8.3600% | 3,211 |
| Retained earnings to average equity (ytd only) | 8.3647% | 2,128 |
| Net charge-offs to loans | 0.0103% | 1,554 |
| Credit loss provision to net charge-offs | -1,063.6364% | 4,655 |
| Earnings coverage of net charge-offs (x) | 105.3636% | 764 |
| Efficiency ratio | 74.3765% | 1,302 |
| Assets per employee ($millions) | 5.5538% | 3,166 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4527% | 1,426 |
| Loan loss allowance to noncurrent loans | 1,215.1210% | 845 |
| Noncurrent assets plus other real estate owned to assets | 0.1051% | 2,791 |
| Noncurrent loans to loans | 0.1196% | 2,919 |
| Net loans and leases to total assets | 86.6100% | 115 |
| Net loans and leases to deposits | 98.4495% | 515 |
| Net loans and leases to core deposits | 110.3860% | 692 |
| Total domestic deposits to total assets | 87.9700% | 1,935 |
| Equity capital to assets | 9.3676% | 2,246 |
| Core capital (leverage) ratio | 9.1939% | 3,540 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6584% | 2,515 |
| Memoranda: | ||
| Average total assets | $483,145,500 | 1,781 |
| Average earning assets | $453,642,000 | 1,764 |
| Average equity | $43,612,000 | 1,779 |
| Average total loans | $426,164,000 | 1,398 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1382% | 1,377 |
| Cost of funding earning assets | 0.6502% | 713 |
| Net interest margin | 3.4879% | 1,962 |
| Noninterest income to average assets | 1.1900% | 483 |
| Noninterest expense to average assets | 3.1193% | 814 |
| Loan and lease loss provision to assets | 0.1600% | 727 |
| Net operating income to assets | 0.9312% | 2,844 |
| Return on assets (ROA) | 0.9312% | 2,786 |
| Pretax return on assets | 1.1938% | 2,460 |
| Return on Equity (ROE) | 10.0100% | 2,799 |
| Retained earnings to average equity (ytd only) | 4.5375% | 3,222 |
| Net charge-offs to loans | 0.0096% | 2,016 |
| Credit loss provision to net charge-offs | 1,936.8421% | 268 |
| Earnings coverage of net charge-offs (x) | 165.0526% | 741 |
| Efficiency ratio | 68.9203% | 1,844 |
| Assets per employee ($millions) | 5.8835% | 2,868 |
| Cash dividends to net income (ytd only)* | 54.6781% | 1,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4070% | 1,472 |
| Loan loss allowance to noncurrent loans | 1,195.1456% | 860 |
| Noncurrent assets plus other real estate owned to assets | 0.1042% | 2,806 |
| Noncurrent loans to loans | 0.1177% | 2,938 |
| Net loans and leases to total assets | 87.2700% | 93 |
| Net loans and leases to deposits | 102.7957% | 342 |
| Net loans and leases to core deposits | 114.3393% | 478 |
| Total domestic deposits to total assets | 84.9000% | 3,020 |
| Equity capital to assets | 8.7010% | 2,559 |
| Core capital (leverage) ratio | 8.8412% | 3,822 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6580% | 2,822 |
| Memoranda: | ||
| Average total assets | $463,727,600 | 1,823 |
| Average earning assets | $436,160,200 | 1,802 |
| Average equity | $43,129,800 | 1,817 |
| Average total loans | $397,577,600 | 1,401 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9278% | 1,415 |
| Cost of funding earning assets | 0.4570% | 949 |
| Net interest margin | 3.4708% | 1,745 |
| Noninterest income to average assets | 1.2700% | 454 |
| Noninterest expense to average assets | 3.1270% | 748 |
| Loan and lease loss provision to assets | 0.1600% | 607 |
| Net operating income to assets | 0.9740% | 2,574 |
| Return on assets (ROA) | 0.9740% | 2,543 |
| Pretax return on assets | 1.2435% | 2,221 |
| Return on Equity (ROE) | 10.2900% | 2,637 |
| Retained earnings to average equity (ytd only) | 10.2928% | 1,257 |
| Net charge-offs to loans | 0.0124% | 1,657 |
| Credit loss provision to net charge-offs | 1,558.3333% | 296 |
| Earnings coverage of net charge-offs (x) | 133.7500% | 795 |
| Efficiency ratio | 68.1215% | 1,998 |
| Assets per employee ($millions) | 5.6261% | 3,102 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4245% | 1,529 |
| Loan loss allowance to noncurrent loans | 1,118.1308% | 881 |
| Noncurrent assets plus other real estate owned to assets | 0.1119% | 2,844 |
| Noncurrent loans to loans | 0.1274% | 2,998 |
| Net loans and leases to total assets | 86.5600% | 96 |
| Net loans and leases to deposits | 102.6636% | 276 |
| Net loans and leases to core deposits | 110.9440% | 440 |
| Total domestic deposits to total assets | 84.3200% | 3,425 |
| Equity capital to assets | 9.2525% | 2,039 |
| Core capital (leverage) ratio | 9.5693% | 2,998 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3716% | 2,698 |
| Memoranda: | ||
| Average total assets | $456,105,250 | 1,846 |
| Average earning assets | $429,172,500 | 1,831 |
| Average equity | $43,161,750 | 1,844 |
| Average total loans | $387,609,250 | 1,421 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7257% | 1,480 |
| Cost of funding earning assets | 0.3782% | 1,057 |
| Net interest margin | 3.3476% | 1,770 |
| Noninterest income to average assets | 1.3906% | 374 |
| Noninterest expense to average assets | 3.1034% | 729 |
| Loan and lease loss provision to assets | 0.1605% | 581 |
| Net operating income to assets | 1.0077% | 2,126 |
| Return on assets (ROA) | 1.0077% | 2,098 |
| Pretax return on assets | 1.2792% | 1,815 |
| Return on Equity (ROE) | 10.5654% | 2,146 |
| Retained earnings to average equity (ytd only) | 10.5654% | 886 |
| Net charge-offs to loans | 0.0186% | 1,366 |
| Credit loss provision to net charge-offs | 1,028.5714% | 392 |
| Earnings coverage of net charge-offs (x) | 92.2857% | 858 |
| Efficiency ratio | 67.4679% | 2,312 |
| Assets per employee ($millions) | 5.2881% | 3,441 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4618% | 1,512 |
| Loan loss allowance to noncurrent loans | 1,041.8018% | 909 |
| Noncurrent assets plus other real estate owned to assets | 0.1220% | 2,854 |
| Noncurrent loans to loans | 0.1403% | 3,006 |
| Net loans and leases to total assets | 85.7033% | 97 |
| Net loans and leases to deposits | 98.2020% | 335 |
| Net loans and leases to core deposits | 100.9472% | 633 |
| Total domestic deposits to total assets | 87.2724% | 2,845 |
| Equity capital to assets | 9.5740% | 1,959 |
| Core capital (leverage) ratio | 9.4827% | 2,946 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3246% | 2,723 |
| Memoranda: | ||
| Average total assets | $448,734,667 | 1,878 |
| Average earning assets | $422,576,667 | 1,871 |
| Average equity | $42,800,000 | 1,903 |
| Average total loans | $376,834,667 | 1,451 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6027% | 1,499 |
| Cost of funding earning assets | 0.3678% | 1,072 |
| Net interest margin | 3.2349% | 1,765 |
| Noninterest income to average assets | 1.3022% | 426 |
| Noninterest expense to average assets | 3.1491% | 648 |
| Loan and lease loss provision to assets | 0.0799% | 1,028 |
| Net operating income to assets | 0.8741% | 2,392 |
| Return on assets (ROA) | 0.8741% | 2,385 |
| Pretax return on assets | 1.1119% | 2,102 |
| Return on Equity (ROE) | 9.1822% | 2,254 |
| Retained earnings to average equity (ytd only) | 9.1822% | 1,219 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6560% | 2,019 |
| Assets per employee ($millions) | 5.3096% | 3,478 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5096% | 1,529 |
| Loan loss allowance to noncurrent loans | 850.6135% | 1,016 |
| Noncurrent assets plus other real estate owned to assets | 0.1428% | 2,794 |
| Noncurrent loans to loans | 0.1775% | 2,931 |
| Net loans and leases to total assets | 79.2424% | 278 |
| Net loans and leases to deposits | 91.0326% | 466 |
| Net loans and leases to core deposits | 93.6817% | 746 |
| Total domestic deposits to total assets | 87.0483% | 2,904 |
| Equity capital to assets | 9.3380% | 2,409 |
| Core capital (leverage) ratio | 9.1644% | 3,178 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7494% | 2,699 |
| Memoranda: | ||
| Average total assets | $445,714,500 | 1,895 |
| Average earning assets | $418,687,000 | 1,889 |
| Average equity | $42,430,000 | 1,964 |
| Average total loans | $367,482,500 | 1,465 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1852% | 1,016 |
| Cost of funding earning assets | 0.4951% | 958 |
| Net interest margin | 3.6900% | 1,236 |
| Noninterest income to average assets | 1.4027% | 562 |
| Noninterest expense to average assets | 3.4387% | 522 |
| Loan and lease loss provision to assets | 0.0951% | 1,315 |
| Net operating income to assets | 1.0461% | 2,494 |
| Return on assets (ROA) | 1.0461% | 2,571 |
| Pretax return on assets | 1.3348% | 2,254 |
| Return on Equity (ROE) | 11.0927% | 2,135 |
| Retained earnings to average equity (ytd only) | 11.0927% | 685 |
| Net charge-offs to loans | 0.0006% | 2,681 |
| Credit loss provision to net charge-offs | 20,250.0000% | 32 |
| Earnings coverage of net charge-offs (x) | 3,045.5000% | 40 |
| Efficiency ratio | 69.7960% | 1,759 |
| Assets per employee ($millions) | 4.9977% | 3,728 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4846% | 1,613 |
| Loan loss allowance to noncurrent loans | 526.2295% | 1,374 |
| Noncurrent assets plus other real estate owned to assets | 0.2385% | 2,365 |
| Noncurrent loans to loans | 0.2821% | 2,586 |
| Net loans and leases to total assets | 83.2839% | 138 |
| Net loans and leases to deposits | 96.1638% | 308 |
| Net loans and leases to core deposits | 98.8942% | 581 |
| Total domestic deposits to total assets | 86.6063% | 2,664 |
| Equity capital to assets | 9.7102% | 2,933 |
| Core capital (leverage) ratio | 9.1364% | 3,239 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3242% | 2,818 |
| Memoranda: | ||
| Average total assets | $425,979,000 | 1,907 |
| Average earning assets | $400,104,200 | 1,906 |
| Average equity | $40,170,400 | 2,077 |
| Average total loans | $350,963,600 | 1,512 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3496% | 884 |
| Cost of funding earning assets | 0.5325% | 904 |
| Net interest margin | 3.8171% | 1,084 |
| Noninterest income to average assets | 1.3812% | 621 |
| Noninterest expense to average assets | 3.4140% | 519 |
| Loan and lease loss provision to assets | 0.0802% | 1,480 |
| Net operating income to assets | 1.1619% | 2,317 |
| Return on assets (ROA) | 1.1619% | 2,379 |
| Pretax return on assets | 1.4750% | 2,064 |
| Return on Equity (ROE) | 12.4158% | 1,899 |
| Retained earnings to average equity (ytd only) | 12.4158% | 746 |
| Net charge-offs to loans | 0.0004% | 2,445 |
| Credit loss provision to net charge-offs | 25,500.0000% | 27 |
| Earnings coverage of net charge-offs (x) | 4,943.0000% | 26 |
| Efficiency ratio | 67.8802% | 1,852 |
| Assets per employee ($millions) | 4.8532% | 3,839 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5375% | 1,502 |
| Loan loss allowance to noncurrent loans | 391.4454% | 1,636 |
| Noncurrent assets plus other real estate owned to assets | 0.3139% | 2,201 |
| Noncurrent loans to loans | 0.3928% | 2,389 |
| Net loans and leases to total assets | 78.6968% | 362 |
| Net loans and leases to deposits | 90.7800% | 561 |
| Net loans and leases to core deposits | 93.1069% | 865 |
| Total domestic deposits to total assets | 86.6896% | 2,468 |
| Equity capital to assets | 9.6146% | 3,277 |
| Core capital (leverage) ratio | 9.0494% | 3,497 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5898% | 2,830 |
| Memoranda: | ||
| Average total assets | $423,773,250 | 1,933 |
| Average earning assets | $398,341,250 | 1,929 |
| Average equity | $39,658,000 | 2,119 |
| Average total loans | $346,810,250 | 1,560 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9888% | 1,589 |
| Cost of funding earning assets | 0.5862% | 800 |
| Net interest margin | 3.4026% | 2,132 |
| Noninterest income to average assets | 1.4431% | 583 |
| Noninterest expense to average assets | 3.3896% | 541 |
| Loan and lease loss provision to assets | 0.0675% | 1,703 |
| Net operating income to assets | 0.9605% | 3,031 |
| Return on assets (ROA) | 0.9605% | 3,115 |
| Pretax return on assets | 1.1842% | 2,955 |
| Return on Equity (ROE) | 10.3601% | 2,633 |
| Retained earnings to average equity (ytd only) | 10.3601% | 1,297 |
| Net charge-offs to loans | 0.0012% | 2,197 |
| Credit loss provision to net charge-offs | 7,100.0000% | 88 |
| Earnings coverage of net charge-offs (x) | 1,317.5000% | 93 |
| Efficiency ratio | 72.1523% | 1,423 |
| Assets per employee ($millions) | 4.8014% | 3,837 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4634% | 1,711 |
| Loan loss allowance to noncurrent loans | 339.6991% | 1,718 |
| Noncurrent assets plus other real estate owned to assets | 0.3619% | 2,157 |
| Noncurrent loans to loans | 0.4308% | 2,388 |
| Net loans and leases to total assets | 82.7743% | 184 |
| Net loans and leases to deposits | 95.5660% | 396 |
| Net loans and leases to core deposits | 98.2993% | 708 |
| Total domestic deposits to total assets | 86.6148% | 2,499 |
| Equity capital to assets | 9.4318% | 3,401 |
| Core capital (leverage) ratio | 8.6885% | 3,798 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4677% | 2,866 |
| Memoranda: | ||
| Average total assets | $421,051,333 | 1,935 |
| Average earning assets | $395,756,000 | 1,925 |
| Average equity | $39,034,333 | 2,136 |
| Average total loans | $347,337,000 | 1,570 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8715% | 1,904 |
| Cost of funding earning assets | 0.6513% | 688 |
| Net interest margin | 3.2202% | 2,635 |
| Noninterest income to average assets | 1.3780% | 691 |
| Noninterest expense to average assets | 3.1767% | 736 |
| Loan and lease loss provision to assets | 0.0799% | 1,620 |
| Net operating income to assets | 0.8603% | 3,233 |
| Return on assets (ROA) | 0.8603% | 3,316 |
| Pretax return on assets | 1.1468% | 2,998 |
| Return on Equity (ROE) | 9.3617% | 2,904 |
| Retained earnings to average equity (ytd only) | 9.3617% | 1,838 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2124% | 1,584 |
| Assets per employee ($millions) | 5.1560% | 3,478 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4938% | 1,632 |
| Loan loss allowance to noncurrent loans | 391.6159% | 1,417 |
| Noncurrent assets plus other real estate owned to assets | 0.3066% | 2,600 |
| Noncurrent loans to loans | 0.3814% | 2,726 |
| Net loans and leases to total assets | 79.1743% | 386 |
| Net loans and leases to deposits | 91.2712% | 632 |
| Net loans and leases to core deposits | 94.0859% | 977 |
| Total domestic deposits to total assets | 86.7463% | 2,424 |
| Equity capital to assets | 9.1336% | 3,557 |
| Core capital (leverage) ratio | 8.6884% | 3,932 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8889% | 2,948 |
| Memoranda: | ||
| Average total assets | $420,314,000 | 1,930 |
| Average earning assets | $394,887,000 | 1,920 |
| Average equity | $38,625,500 | 2,141 |
| Average total loans | $343,537,000 | 1,585 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3758% | 1,652 |
| Cost of funding earning assets | 1.1338% | 353 |
| Net interest margin | 3.2420% | 3,241 |
| Noninterest income to average assets | 1.7947% | 396 |
| Noninterest expense to average assets | 3.5788% | 620 |
| Loan and lease loss provision to assets | 0.1197% | 2,866 |
| Net operating income to assets | 0.8732% | 2,819 |
| Return on assets (ROA) | 0.8732% | 2,954 |
| Pretax return on assets | 1.1312% | 2,582 |
| Return on Equity (ROE) | 9.3860% | 2,247 |
| Retained earnings to average equity (ytd only) | 9.3860% | 697 |
| Net charge-offs to loans | 0.0122% | 2,892 |
| Credit loss provision to net charge-offs | 1,129.2683% | 712 |
| Earnings coverage of net charge-offs (x) | 118.0000% | 713 |
| Efficiency ratio | 73.1731% | 1,548 |
| Assets per employee ($millions) | 4.9129% | 3,491 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4730% | 1,681 |
| Loan loss allowance to noncurrent loans | 365.9667% | 1,477 |
| Noncurrent assets plus other real estate owned to assets | 0.3346% | 2,650 |
| Noncurrent loans to loans | 0.4025% | 2,768 |
| Net loans and leases to total assets | 81.9175% | 299 |
| Net loans and leases to deposits | 95.6108% | 573 |
| Net loans and leases to core deposits | 101.1608% | 851 |
| Total domestic deposits to total assets | 85.6780% | 2,499 |
| Equity capital to assets | 9.2478% | 3,839 |
| Core capital (leverage) ratio | 8.8557% | 3,835 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7186% | 2,989 |
| Memoranda: | ||
| Average total assets | $386,746,000 | 1,898 |
| Average earning assets | $362,061,800 | 1,897 |
| Average equity | $35,979,000 | 2,176 |
| Average total loans | $335,636,000 | 1,553 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3612% | 1,950 |
| Cost of funding earning assets | 1.2371% | 322 |
| Net interest margin | 3.1241% | 3,680 |
| Noninterest income to average assets | 1.7573% | 383 |
| Noninterest expense to average assets | 3.5438% | 668 |
| Loan and lease loss provision to assets | 0.1344% | 2,671 |
| Net operating income to assets | 0.7696% | 3,212 |
| Return on assets (ROA) | 0.7696% | 3,328 |
| Pretax return on assets | 1.0038% | 3,058 |
| Return on Equity (ROE) | 8.2596% | 2,705 |
| Retained earnings to average equity (ytd only) | 8.2596% | 1,221 |
| Net charge-offs to loans | 0.0160% | 2,562 |
| Credit loss provision to net charge-offs | 957.5000% | 853 |
| Earnings coverage of net charge-offs (x) | 81.1500% | 915 |
| Efficiency ratio | 74.7173% | 1,338 |
| Assets per employee ($millions) | 4.7877% | 3,503 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4329% | 1,595 |
| Loan loss allowance to noncurrent loans | 350.8463% | 1,444 |
| Noncurrent assets plus other real estate owned to assets | 0.3526% | 2,735 |
| Noncurrent loans to loans | 0.4084% | 2,830 |
| Net loans and leases to total assets | 85.0920% | 205 |
| Net loans and leases to deposits | 100.3128% | 525 |
| Net loans and leases to core deposits | 106.2381% | 839 |
| Total domestic deposits to total assets | 84.8267% | 2,503 |
| Equity capital to assets | 9.1885% | 3,961 |
| Core capital (leverage) ratio | 8.7255% | 4,042 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2205% | 3,069 |
| Memoranda: | ||
| Average total assets | $380,262,500 | 1,903 |
| Average earning assets | $355,981,250 | 1,897 |
| Average equity | $35,432,750 | 2,190 |
| Average total loans | $333,767,250 | 1,558 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4050% | 2,195 |
| Cost of funding earning assets | 1.4189% | 214 |
| Net interest margin | 2.9861% | 4,155 |
| Noninterest income to average assets | 1.5849% | 413 |
| Noninterest expense to average assets | 3.4714% | 773 |
| Loan and lease loss provision to assets | 0.1816% | 2,203 |
| Net operating income to assets | 0.5604% | 3,861 |
| Return on assets (ROA) | 0.5604% | 3,938 |
| Pretax return on assets | 0.7271% | 3,806 |
| Return on Equity (ROE) | 5.9898% | 3,512 |
| Retained earnings to average equity (ytd only) | 5.9898% | 2,086 |
| Net charge-offs to loans | 0.0243% | 2,229 |
| Credit loss provision to net charge-offs | 847.5000% | 881 |
| Earnings coverage of net charge-offs (x) | 42.4000% | 1,207 |
| Efficiency ratio | 78.2018% | 1,036 |
| Assets per employee ($millions) | 4.8213% | 3,397 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4187% | 1,520 |
| Loan loss allowance to noncurrent loans | 338.6676% | 1,415 |
| Noncurrent assets plus other real estate owned to assets | 0.3683% | 2,820 |
| Noncurrent loans to loans | 0.4189% | 2,910 |
| Net loans and leases to total assets | 86.6691% | 110 |
| Net loans and leases to deposits | 103.9825% | 379 |
| Net loans and leases to core deposits | 110.8737% | 704 |
| Total domestic deposits to total assets | 83.3498% | 2,973 |
| Equity capital to assets | 9.0392% | 4,062 |
| Core capital (leverage) ratio | 8.4300% | 4,453 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.9816% | 3,164 |
| Memoranda: | ||
| Average total assets | $373,283,333 | 1,912 |
| Average earning assets | $349,418,000 | 1,901 |
| Average equity | $34,926,000 | 2,207 |
| Average total loans | $329,616,333 | 1,557 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6655% | 1,810 |
| Cost of funding earning assets | 1.3209% | 531 |
| Net interest margin | 3.3447% | 3,470 |
| Noninterest income to average assets | 1.0545% | 770 |
| Noninterest expense to average assets | 3.3744% | 1,105 |
| Loan and lease loss provision to assets | 0.3048% | 1,021 |
| Net operating income to assets | 0.3898% | 4,159 |
| Return on assets (ROA) | 0.3898% | 4,192 |
| Pretax return on assets | 0.5013% | 4,119 |
| Return on Equity (ROE) | 4.0903% | 3,922 |
| Retained earnings to average equity (ytd only) | 4.0903% | 2,645 |
| Net charge-offs to loans | 0.0037% | 2,451 |
| Credit loss provision to net charge-offs | 9,200.0000% | 83 |
| Earnings coverage of net charge-offs (x) | 243.3333% | 283 |
| Efficiency ratio | 79.5827% | 1,183 |
| Assets per employee ($millions) | 4.6533% | 3,063 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5148% | 1,294 |
| Loan loss allowance to noncurrent loans | 319.3359% | 1,436 |
| Noncurrent assets plus other real estate owned to assets | 0.4812% | 2,564 |
| Noncurrent loans to loans | 0.4743% | 2,828 |
| Net loans and leases to total assets | 86.7518% | 105 |
| Net loans and leases to deposits | 103.8108% | 372 |
| Net loans and leases to core deposits | 113.8485% | 671 |
| Total domestic deposits to total assets | 83.5671% | 2,926 |
| Equity capital to assets | 9.4456% | 4,268 |
| Core capital (leverage) ratio | 9.0045% | 4,459 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5173% | 3,222 |
| Memoranda: | ||
| Average total assets | $362,252,000 | 1,914 |
| Average earning assets | $338,569,500 | 1,898 |
| Average equity | $34,521,000 | 2,221 |
| Average total loans | $320,637,500 | 1,559 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8956% | 1,761 |
| Cost of funding earning assets | 1.2964% | 773 |
| Net interest margin | 3.5992% | 3,138 |
| Noninterest income to average assets | 1.4251% | 464 |
| Noninterest expense to average assets | 3.6434% | 812 |
| Loan and lease loss provision to assets | 0.1641% | 1,270 |
| Net operating income to assets | 0.7536% | 3,689 |
| Return on assets (ROA) | 0.7536% | 3,767 |
| Pretax return on assets | 0.9899% | 3,482 |
| Return on Equity (ROE) | 7.5400% | 3,351 |
| Retained earnings to average equity (ytd only) | 7.5400% | 1,148 |
| Net charge-offs to loans | 0.0114% | 3,283 |
| Credit loss provision to net charge-offs | 1,582.3529% | 230 |
| Earnings coverage of net charge-offs (x) | 111.2941% | 622 |
| Efficiency ratio | 74.8458% | 1,510 |
| Assets per employee ($millions) | 4.5176% | 3,196 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4591% | 1,341 |
| Loan loss allowance to noncurrent loans | 256.0531% | 1,740 |
| Noncurrent assets plus other real estate owned to assets | 0.5069% | 2,388 |
| Noncurrent loans to loans | 0.5698% | 2,480 |
| Net loans and leases to total assets | 87.6534% | 95 |
| Net loans and leases to deposits | 105.9001% | 306 |
| Net loans and leases to core deposits | 115.5609% | 619 |
| Total domestic deposits to total assets | 82.7699% | 3,279 |
| Equity capital to assets | 9.6160% | 4,258 |
| Core capital (leverage) ratio | 9.3628% | 4,210 |
| Tier 1 risk-based capital ratio | 10.5165% | 5,020 |
| Total risk-based capital ratio | 11.7697% | 4,936 |
| Memoranda: | ||
| Average total assets | $327,905,200 | 1,995 |
| Average earning assets | $307,237,000 | 1,983 |
| Average equity | $32,771,800 | 2,257 |
| Average total loans | $299,408,600 | 1,606 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7290% | 2,327 |
| Cost of funding earning assets | 1.2794% | 839 |
| Net interest margin | 3.4496% | 3,731 |
| Noninterest income to average assets | 1.3177% | 538 |
| Noninterest expense to average assets | 3.4948% | 961 |
| Loan and lease loss provision to assets | 0.2017% | 873 |
| Net operating income to assets | 0.6487% | 4,162 |
| Return on assets (ROA) | 0.6487% | 4,214 |
| Pretax return on assets | 0.8524% | 3,999 |
| Return on Equity (ROE) | 6.4226% | 3,913 |
| Retained earnings to average equity (ytd only) | 6.4226% | 2,161 |
| Net charge-offs to loans | 0.0122% | 2,925 |
| Credit loss provision to net charge-offs | 1,796.2963% | 217 |
| Earnings coverage of net charge-offs (x) | 93.8867% | 784 |
| Efficiency ratio | 75.6399% | 1,366 |
| Assets per employee ($millions) | 4.4297% | 3,308 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4819% | 1,297 |
| Loan loss allowance to noncurrent loans | 226.1341% | 1,905 |
| Noncurrent assets plus other real estate owned to assets | 0.6686% | 2,017 |
| Noncurrent loans to loans | 0.6553% | 2,319 |
| Net loans and leases to total assets | 90.5643% | 36 |
| Net loans and leases to deposits | 107.3065% | 284 |
| Net loans and leases to core deposits | 114.7726% | 720 |
| Total domestic deposits to total assets | 84.3978% | 2,677 |
| Equity capital to assets | 9.8899% | 4,124 |
| Core capital (leverage) ratio | 9.2807% | 4,392 |
| Tier 1 risk-based capital ratio | 9.9932% | 5,189 |
| Total risk-based capital ratio | 11.2462% | 5,137 |
| Memoranda: | ||
| Average total assets | $320,658,250 | 2,043 |
| Average earning assets | $300,352,250 | 2,031 |
| Average equity | $32,385,000 | 2,292 |
| Average total loans | $294,710,250 | 1,639 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9044% | 1,738 |
| Cost of funding earning assets | 1.2138% | 950 |
| Net interest margin | 3.6907% | 2,958 |
| Noninterest income to average assets | 1.1620% | 634 |
| Noninterest expense to average assets | 3.7834% | 676 |
| Loan and lease loss provision to assets | 0.2188% | 760 |
| Net operating income to assets | 0.4738% | 4,585 |
| Return on assets (ROA) | 0.4738% | 4,615 |
| Pretax return on assets | 0.6216% | 4,499 |
| Return on Equity (ROE) | 4.6569% | 4,430 |
| Retained earnings to average equity (ytd only) | 4.6569% | 2,941 |
| Net charge-offs to loans | 0.0193% | 2,485 |
| Credit loss provision to net charge-offs | 1,232.1429% | 288 |
| Earnings coverage of net charge-offs (x) | 47.3214% | 1,139 |
| Efficiency ratio | 80.6447% | 913 |
| Assets per employee ($millions) | 4.1801% | 3,607 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4596% | 1,391 |
| Loan loss allowance to noncurrent loans | 183.4503% | 2,288 |
| Noncurrent assets plus other real estate owned to assets | 0.8013% | 1,753 |
| Noncurrent loans to loans | 0.7956% | 2,003 |
| Net loans and leases to total assets | 90.8738% | 39 |
| Net loans and leases to deposits | 104.3912% | 407 |
| Net loans and leases to core deposits | 111.4087% | 893 |
| Total domestic deposits to total assets | 87.0512% | 1,578 |
| Equity capital to assets | 9.8088% | 4,130 |
| Core capital (leverage) ratio | 9.4011% | 4,247 |
| Tier 1 risk-based capital ratio | 9.7594% | 5,253 |
| Total risk-based capital ratio | 11.0117% | 5,226 |
| Memoranda: | ||
| Average total assets | $315,325,330 | 2,081 |
| Average earning assets | $295,774,330 | 2,062 |
| Average equity | $32,081,670 | 2,298 |
| Average total loans | $289,788,000 | 1,661 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8859% | 1,630 |
| Cost of funding earning assets | 1.1232% | 1,113 |
| Net interest margin | 3.7626% | 2,661 |
| Noninterest income to average assets | 0.9692% | 880 |
| Noninterest expense to average assets | 3.5183% | 944 |
| Loan and lease loss provision to assets | 0.2183% | 717 |
| Net operating income to assets | 0.5834% | 4,291 |
| Return on assets (ROA) | 0.5834% | 4,323 |
| Pretax return on assets | 0.7536% | 4,165 |
| Return on Equity (ROE) | 5.6253% | 4,141 |
| Retained earnings to average equity (ytd only) | 5.6253% | 2,622 |
| Net charge-offs to loans | 0.0028% | 2,644 |
| Credit loss provision to net charge-offs | 8,400.0000% | 35 |
| Earnings coverage of net charge-offs (x) | 374.0000% | 207 |
| Efficiency ratio | 77.1123% | 1,368 |
| Assets per employee ($millions) | 4.2557% | 3,537 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4862% | 1,378 |
| Loan loss allowance to noncurrent loans | 121.5054% | 3,051 |
| Noncurrent assets plus other real estate owned to assets | 1.1616% | 1,162 |
| Noncurrent loans to loans | 1.2231% | 1,345 |
| Net loans and leases to total assets | 88.0049% | 99 |
| Net loans and leases to deposits | 101.1101% | 552 |
| Net loans and leases to core deposits | 106.8971% | 1,109 |
| Total domestic deposits to total assets | 87.0387% | 1,796 |
| Equity capital to assets | 9.9585% | 3,867 |
| Core capital (leverage) ratio | 9.8045% | 3,813 |
| Tier 1 risk-based capital ratio | 10.3042% | 5,222 |
| Total risk-based capital ratio | 11.5569% | 5,158 |
| Memoranda: | ||
| Average total assets | $307,876,000 | 2,147 |
| Average earning assets | $288,096,000 | 2,124 |
| Average equity | $31,927,000 | 2,300 |
| Average total loans | $282,416,000 | 1,711 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5820% | 2,180 |
| Cost of funding earning assets | 0.8695% | 1,223 |
| Net interest margin | 3.7126% | 2,984 |
| Noninterest income to average assets | 0.9371% | 1,088 |
| Noninterest expense to average assets | 3.2553% | 1,424 |
| Loan and lease loss provision to assets | 0.0094% | 3,934 |
| Net operating income to assets | 0.8317% | 3,688 |
| Return on assets (ROA) | 0.8317% | 3,684 |
| Pretax return on assets | 1.1615% | 3,054 |
| Return on Equity (ROE) | 7.9242% | 3,477 |
| Retained earnings to average equity (ytd only) | 7.9242% | 1,270 |
| Net charge-offs to loans | 0.1354% | 1,400 |
| Credit loss provision to net charge-offs | 7.4792% | 3,437 |
| Earnings coverage of net charge-offs (x) | 9.3518% | 2,816 |
| Efficiency ratio | 72.6062% | 1,830 |
| Assets per employee ($millions) | 3.7964% | 4,179 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4962% | 1,306 |
| Loan loss allowance to noncurrent loans | 113.4066% | 3,220 |
| Noncurrent assets plus other real estate owned to assets | 1.3215% | 959 |
| Noncurrent loans to loans | 1.3193% | 1,190 |
| Net loans and leases to total assets | 92.9714% | 17 |
| Net loans and leases to deposits | 108.0681% | 305 |
| Net loans and leases to core deposits | 111.6307% | 899 |
| Total domestic deposits to total assets | 86.0304% | 2,213 |
| Equity capital to assets | 10.8254% | 2,870 |
| Core capital (leverage) ratio | 10.1071% | 3,453 |
| Tier 1 risk-based capital ratio | 10.8302% | 5,053 |
| Total risk-based capital ratio | 12.0836% | 4,940 |
| Memoranda: | ||
| Average total assets | $288,330,000 | 2,217 |
| Average earning assets | $270,971,000 | 2,187 |
| Average equity | $30,261,600 | 2,322 |
| Average total loans | $266,678,000 | 1,748 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5062% | 2,276 |
| Cost of funding earning assets | 0.8222% | 1,230 |
| Net interest margin | 3.6840% | 3,075 |
| Noninterest income to average assets | 0.8756% | 1,263 |
| Noninterest expense to average assets | 3.1712% | 1,594 |
| Loan and lease loss provision to assets | -0.0390% | 5,273 |
| Net operating income to assets | 0.8566% | 3,708 |
| Return on assets (ROA) | 0.8566% | 3,716 |
| Pretax return on assets | 1.2074% | 2,960 |
| Return on Equity (ROE) | 8.2273% | 3,453 |
| Retained earnings to average equity (ytd only) | 8.2273% | 1,545 |
| Net charge-offs to loans | 0.1805% | 926 |
| Credit loss provision to net charge-offs | -23.4637% | 4,120 |
| Earnings coverage of net charge-offs (x) | 7.0335% | 2,835 |
| Efficiency ratio | 72.2519% | 1,845 |
| Assets per employee ($millions) | 4.2004% | 3,573 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4755% | 1,433 |
| Loan loss allowance to noncurrent loans | 103.7687% | 3,389 |
| Noncurrent assets plus other real estate owned to assets | 1.4136% | 941 |
| Noncurrent loans to loans | 1.4219% | 1,166 |
| Net loans and leases to total assets | 92.6152% | 24 |
| Net loans and leases to deposits | 108.5546% | 333 |
| Net loans and leases to core deposits | 112.2089% | 904 |
| Total domestic deposits to total assets | 85.3168% | 2,481 |
| Equity capital to assets | 10.6922% | 2,940 |
| Core capital (leverage) ratio | 10.0740% | 3,556 |
| Tier 1 risk-based capital ratio | 10.7556% | 5,148 |
| Total risk-based capital ratio | 12.0088% | 5,048 |
| Memoranda: | ||
| Average total assets | $287,332,250 | 2,238 |
| Average earning assets | $270,168,750 | 2,207 |
| Average equity | $29,915,750 | 2,342 |
| Average total loans | $264,371,750 | 1,766 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4156% | 2,365 |
| Cost of funding earning assets | 0.7688% | 1,285 |
| Net interest margin | 3.6468% | 3,131 |
| Noninterest income to average assets | 0.8021% | 1,471 |
| Noninterest expense to average assets | 3.0918% | 1,810 |
| Loan and lease loss provision to assets | -0.1173% | 5,438 |
| Net operating income to assets | 0.8684% | 3,590 |
| Return on assets (ROA) | 0.8684% | 3,594 |
| Pretax return on assets | 1.2614% | 2,667 |
| Return on Equity (ROE) | 8.4173% | 3,304 |
| Retained earnings to average equity (ytd only) | 8.4173% | 1,440 |
| Net charge-offs to loans | 0.0015% | 3,157 |
| Credit loss provision to net charge-offs | -8,400.0000% | 4,798 |
| Earnings coverage of net charge-offs (x) | 819.5000% | 98 |
| Efficiency ratio | 72.1490% | 1,980 |
| Assets per employee ($millions) | 4.0514% | 3,814 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5951% | 1,129 |
| Loan loss allowance to noncurrent loans | 78.9406% | 3,861 |
| Noncurrent assets plus other real estate owned to assets | 1.9958% | 540 |
| Noncurrent loans to loans | 2.0206% | 734 |
| Net loans and leases to total assets | 93.3649% | 14 |
| Net loans and leases to deposits | 109.2187% | 305 |
| Net loans and leases to core deposits | 112.8307% | 848 |
| Total domestic deposits to total assets | 85.4844% | 2,502 |
| Equity capital to assets | 10.6820% | 2,947 |
| Core capital (leverage) ratio | 9.8650% | 3,716 |
| Tier 1 risk-based capital ratio | 10.8935% | 5,112 |
| Total risk-based capital ratio | 12.1482% | 4,999 |
| Memoranda: | ||
| Average total assets | $286,500,670 | 2,247 |
| Average earning assets | $269,772,330 | 2,212 |
| Average equity | $29,558,000 | 2,379 |
| Average total loans | $261,681,000 | 1,779 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3437% | 2,369 |
| Cost of funding earning assets | 0.7074% | 1,395 |
| Net interest margin | 3.6363% | 3,045 |
| Noninterest income to average assets | 0.6195% | 2,173 |
| Noninterest expense to average assets | 3.0852% | 1,866 |
| Loan and lease loss provision to assets | 0.1861% | 913 |
| Net operating income to assets | 0.5293% | 4,627 |
| Return on assets (ROA) | 0.5293% | 4,631 |
| Pretax return on assets | 0.7612% | 4,255 |
| Return on Equity (ROE) | 5.2210% | 4,412 |
| Retained earnings to average equity (ytd only) | 5.2210% | 3,070 |
| Net charge-offs to loans | -0.0031% | 3,881 |
| Credit loss provision to net charge-offs | -6,700.0000% | 4,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6114% | 1,650 |
| Assets per employee ($millions) | 4.3047% | 3,478 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7648% | 834 |
| Loan loss allowance to noncurrent loans | 107.1545% | 3,332 |
| Noncurrent assets plus other real estate owned to assets | 1.4769% | 952 |
| Noncurrent loans to loans | 1.6469% | 1,048 |
| Net loans and leases to total assets | 83.7432% | 461 |
| Net loans and leases to deposits | 96.1123% | 1,027 |
| Net loans and leases to core deposits | 114.5541% | 777 |
| Total domestic deposits to total assets | 87.1306% | 2,072 |
| Equity capital to assets | 9.6076% | 3,988 |
| Core capital (leverage) ratio | 9.9892% | 3,548 |
| Tier 1 risk-based capital ratio | 10.9227% | 5,173 |
| Total risk-based capital ratio | 12.1799% | 5,079 |
| Memoranda: | ||
| Average total assets | $287,952,000 | 2,260 |
| Average earning assets | $270,276,000 | 2,227 |
| Average equity | $29,190,000 | 2,425 |
| Average total loans | $257,985,000 | 1,805 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4305% | 1,938 |
| Cost of funding earning assets | 0.6295% | 1,420 |
| Net interest margin | 3.8010% | 2,422 |
| Noninterest income to average assets | 0.9460% | 1,150 |
| Noninterest expense to average assets | 3.2232% | 1,555 |
| Loan and lease loss provision to assets | 0.3314% | 503 |
| Net operating income to assets | 0.4808% | 4,423 |
| Return on assets (ROA) | 0.4808% | 4,460 |
| Pretax return on assets | 0.9635% | 3,690 |
| Return on Equity (ROE) | 4.2365% | 4,424 |
| Retained earnings to average equity (ytd only) | 4.2365% | 2,619 |
| Net charge-offs to loans | -0.0148% | 4,877 |
| Credit loss provision to net charge-offs | -2,382.8571% | 5,172 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1459% | 2,369 |
| Assets per employee ($millions) | 3.8650% | 4,170 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6079% | 1,127 |
| Loan loss allowance to noncurrent loans | 178.7984% | 2,478 |
| Noncurrent assets plus other real estate owned to assets | 1.1207% | 1,335 |
| Noncurrent loans to loans | 0.8993% | 1,980 |
| Net loans and leases to total assets | 92.8919% | 23 |
| Net loans and leases to deposits | 108.4745% | 307 |
| Net loans and leases to core deposits | 120.2640% | 573 |
| Total domestic deposits to total assets | 85.6348% | 2,601 |
| Equity capital to assets | 10.7929% | 2,846 |
| Core capital (leverage) ratio | 10.3653% | 2,998 |
| Tier 1 risk-based capital ratio | 11.0377% | 5,122 |
| Total risk-based capital ratio | 12.2927% | 5,004 |
| Memoranda: | ||
| Average total assets | $251,678,400 | 2,480 |
| Average earning assets | $236,519,200 | 2,451 |
| Average equity | $28,561,200 | 2,457 |
| Average total loans | $237,118,800 | 1,896 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4007% | 1,962 |
| Cost of funding earning assets | 0.6010% | 1,522 |
| Net interest margin | 3.7997% | 2,405 |
| Noninterest income to average assets | 0.9146% | 1,230 |
| Noninterest expense to average assets | 3.2620% | 1,434 |
| Loan and lease loss provision to assets | 0.2845% | 570 |
| Net operating income to assets | 0.5987% | 4,399 |
| Return on assets (ROA) | 0.5987% | 4,436 |
| Pretax return on assets | 0.9383% | 3,909 |
| Return on Equity (ROE) | 5.2062% | 4,443 |
| Retained earnings to average equity (ytd only) | 5.2062% | 2,738 |
| Net charge-offs to loans | 0.0034% | 3,616 |
| Credit loss provision to net charge-offs | 8,783.3333% | 56 |
| Earnings coverage of net charge-offs (x) | 377.4900% | 249 |
| Efficiency ratio | 72.5292% | 2,134 |
| Assets per employee ($millions) | 3.8084% | 4,299 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5080% | 1,506 |
| Loan loss allowance to noncurrent loans | 132.3126% | 3,030 |
| Noncurrent assets plus other real estate owned to assets | 1.1660% | 1,416 |
| Noncurrent loans to loans | 1.1398% | 1,689 |
| Net loans and leases to total assets | 93.4257% | 14 |
| Net loans and leases to deposits | 111.4003% | 235 |
| Net loans and leases to core deposits | 119.6809% | 601 |
| Total domestic deposits to total assets | 83.8649% | 3,171 |
| Equity capital to assets | 11.0545% | 2,812 |
| Core capital (leverage) ratio | 10.9901% | 2,468 |
| Tier 1 risk-based capital ratio | 11.7731% | 4,788 |
| Total risk-based capital ratio | 13.0271% | 4,651 |
| Memoranda: | ||
| Average total assets | $246,960,750 | 2,527 |
| Average earning assets | $232,047,250 | 2,494 |
| Average equity | $28,401,500 | 2,486 |
| Average total loans | $232,542,250 | 1,930 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2722% | 2,222 |
| Cost of funding earning assets | 0.5652% | 1,681 |
| Net interest margin | 3.7070% | 2,633 |
| Noninterest income to average assets | 0.9665% | 1,096 |
| Noninterest expense to average assets | 3.2811% | 1,406 |
| Loan and lease loss provision to assets | 0.2665% | 611 |
| Net operating income to assets | 0.5710% | 4,426 |
| Return on assets (ROA) | 0.5710% | 4,483 |
| Pretax return on assets | 0.8979% | 3,943 |
| Return on Equity (ROE) | 4.8961% | 4,516 |
| Retained earnings to average equity (ytd only) | 4.8961% | 2,779 |
| Net charge-offs to loans | 0.0044% | 3,332 |
| Credit loss provision to net charge-offs | 6,440.0000% | 58 |
| Earnings coverage of net charge-offs (x) | 281.4000% | 307 |
| Efficiency ratio | 73.6039% | 2,082 |
| Assets per employee ($millions) | 3.5745% | 4,613 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4806% | 1,645 |
| Loan loss allowance to noncurrent loans | 149.2443% | 2,793 |
| Noncurrent assets plus other real estate owned to assets | 1.0264% | 1,704 |
| Noncurrent loans to loans | 0.9921% | 1,983 |
| Net loans and leases to total assets | 93.2043% | 16 |
| Net loans and leases to deposits | 110.2584% | 256 |
| Net loans and leases to core deposits | 116.2720% | 698 |
| Total domestic deposits to total assets | 84.5326% | 2,998 |
| Equity capital to assets | 11.2482% | 2,547 |
| Core capital (leverage) ratio | 11.4037% | 2,046 |
| Tier 1 risk-based capital ratio | 11.9342% | 4,672 |
| Total risk-based capital ratio | 13.1880% | 4,570 |
| Memoranda: | ||
| Average total assets | $241,687,330 | 2,580 |
| Average earning assets | $226,817,000 | 2,563 |
| Average equity | $28,185,670 | 2,495 |
| Average total loans | $226,968,330 | 1,965 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2153% | 2,228 |
| Cost of funding earning assets | 0.5434% | 1,758 |
| Net interest margin | 3.6718% | 2,599 |
| Noninterest income to average assets | 0.8114% | 1,511 |
| Noninterest expense to average assets | 3.3883% | 1,222 |
| Loan and lease loss provision to assets | 0.1035% | 1,845 |
| Net operating income to assets | 0.4889% | 4,642 |
| Return on assets (ROA) | 0.4889% | 4,665 |
| Pretax return on assets | 0.7605% | 4,248 |
| Return on Equity (ROE) | 4.1136% | 4,742 |
| Retained earnings to average equity (ytd only) | 4.1136% | 3,403 |
| Net charge-offs to loans | -0.0018% | 4,004 |
| Credit loss provision to net charge-offs | -6,100.0000% | 4,732 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.4411% | 1,434 |
| Assets per employee ($millions) | 3.4378% | 4,867 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4716% | 1,793 |
| Loan loss allowance to noncurrent loans | 132.2645% | 3,086 |
| Noncurrent assets plus other real estate owned to assets | 1.1295% | 1,570 |
| Noncurrent loans to loans | 1.1126% | 1,838 |
| Net loans and leases to total assets | 91.8125% | 22 |
| Net loans and leases to deposits | 105.6855% | 332 |
| Net loans and leases to core deposits | 109.3868% | 907 |
| Total domestic deposits to total assets | 86.8734% | 2,279 |
| Equity capital to assets | 11.7076% | 2,029 |
| Core capital (leverage) ratio | 11.8466% | 1,720 |
| Tier 1 risk-based capital ratio | 12.5764% | 4,342 |
| Total risk-based capital ratio | 13.8299% | 4,247 |
| Memoranda: | ||
| Average total assets | $235,635,000 | 2,652 |
| Average earning assets | $220,815,500 | 2,632 |
| Average equity | $28,005,000 | 2,513 |
| Average total loans | $220,402,500 | 2,023 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0655% | 2,972 |
| Cost of funding earning assets | 0.5454% | 1,738 |
| Net interest margin | 3.5201% | 3,359 |
| Noninterest income to average assets | 1.0856% | 960 |
| Noninterest expense to average assets | 3.3100% | 1,551 |
| Loan and lease loss provision to assets | 0.1932% | 1,205 |
| Net operating income to assets | 0.5663% | 4,360 |
| Return on assets (ROA) | 0.5663% | 4,465 |
| Pretax return on assets | 0.8916% | 3,876 |
| Return on Equity (ROE) | 4.7503% | 4,537 |
| Retained earnings to average equity (ytd only) | 4.7503% | 2,510 |
| Net charge-offs to loans | 0.0094% | 3,948 |
| Credit loss provision to net charge-offs | 2,315.7895% | 186 |
| Earnings coverage of net charge-offs (x) | 130.0526% | 475 |
| Efficiency ratio | 75.0974% | 2,126 |
| Assets per employee ($millions) | 3.3915% | 4,913 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4952% | 1,687 |
| Loan loss allowance to noncurrent loans | 134.2454% | 3,034 |
| Noncurrent assets plus other real estate owned to assets | 1.2462% | 1,432 |
| Noncurrent loans to loans | 1.1138% | 1,858 |
| Net loans and leases to total assets | 92.4985% | 24 |
| Net loans and leases to deposits | 109.5335% | 240 |
| Net loans and leases to core deposits | 112.2340% | 774 |
| Total domestic deposits to total assets | 84.4477% | 3,251 |
| Equity capital to assets | 12.0700% | 1,759 |
| Core capital (leverage) ratio | 11.9659% | 1,623 |
| Tier 1 risk-based capital ratio | 12.6524% | 4,288 |
| Total risk-based capital ratio | 13.9062% | 4,178 |
| Memoranda: | ||
| Average total assets | $227,792,200 | 2,685 |
| Average earning assets | $214,143,600 | 2,657 |
| Average equity | $27,156,000 | 2,559 |
| Average total loans | $202,812,800 | 2,100 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0167% | 3,161 |
| Cost of funding earning assets | 0.5471% | 1,728 |
| Net interest margin | 3.4696% | 3,587 |
| Noninterest income to average assets | 1.0433% | 1,046 |
| Noninterest expense to average assets | 3.3244% | 1,507 |
| Loan and lease loss provision to assets | 0.1585% | 1,461 |
| Net operating income to assets | 0.5337% | 4,561 |
| Return on assets (ROA) | 0.5337% | 4,664 |
| Pretax return on assets | 0.8261% | 4,228 |
| Return on Equity (ROE) | 4.4911% | 4,723 |
| Retained earnings to average equity (ytd only) | 4.4911% | 3,143 |
| Net charge-offs to loans | 0.0214% | 3,260 |
| Credit loss provision to net charge-offs | 843.7500% | 477 |
| Earnings coverage of net charge-offs (x) | 52.4007% | 1,036 |
| Efficiency ratio | 76.9178% | 1,847 |
| Assets per employee ($millions) | 3.2017% | 5,179 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4560% | 1,951 |
| Loan loss allowance to noncurrent loans | 171.4366% | 2,518 |
| Noncurrent assets plus other real estate owned to assets | 0.9871% | 2,097 |
| Noncurrent loans to loans | 0.8493% | 2,559 |
| Net loans and leases to total assets | 90.9574% | 51 |
| Net loans and leases to deposits | 105.1431% | 406 |
| Net loans and leases to core deposits | 108.4213% | 1,020 |
| Total domestic deposits to total assets | 86.5082% | 2,123 |
| Equity capital to assets | 12.1004% | 2,041 |
| Core capital (leverage) ratio | 11.8277% | 1,794 |
| Tier 1 risk-based capital ratio | 13.0004% | 4,161 |
| Total risk-based capital ratio | 14.2537% | 4,076 |
| Memoranda: | ||
| Average total assets | $227,084,750 | 2,701 |
| Average earning assets | $213,734,000 | 2,668 |
| Average equity | $26,986,000 | 2,588 |
| Average total loans | $199,376,000 | 2,129 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9318% | 3,492 |
| Cost of funding earning assets | 0.5481% | 1,713 |
| Net interest margin | 3.3837% | 3,952 |
| Noninterest income to average assets | 0.9859% | 1,149 |
| Noninterest expense to average assets | 3.2519% | 1,693 |
| Loan and lease loss provision to assets | 0.1040% | 2,114 |
| Net operating income to assets | 0.5180% | 4,607 |
| Return on assets (ROA) | 0.5180% | 4,724 |
| Pretax return on assets | 0.8176% | 4,224 |
| Return on Equity (ROE) | 4.3860% | 4,763 |
| Retained earnings to average equity (ytd only) | 4.3860% | 3,127 |
| Net charge-offs to loans | -0.0123% | 4,764 |
| Credit loss provision to net charge-offs | -983.3333% | 5,081 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6863% | 1,839 |
| Assets per employee ($millions) | 3.1188% | 5,305 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4643% | 2,009 |
| Loan loss allowance to noncurrent loans | 163.7222% | 2,692 |
| Noncurrent assets plus other real estate owned to assets | 1.0073% | 2,128 |
| Noncurrent loans to loans | 0.8944% | 2,490 |
| Net loans and leases to total assets | 88.3128% | 123 |
| Net loans and leases to deposits | 102.1343% | 553 |
| Net loans and leases to core deposits | 105.4095% | 1,227 |
| Total domestic deposits to total assets | 86.4674% | 2,186 |
| Equity capital to assets | 12.0924% | 2,060 |
| Core capital (leverage) ratio | 11.6304% | 1,885 |
| Tier 1 risk-based capital ratio | 13.4131% | 3,960 |
| Total risk-based capital ratio | 14.6668% | 3,868 |
| Memoranda: | ||
| Average total assets | $227,005,330 | 2,709 |
| Average earning assets | $213,845,670 | 2,674 |
| Average equity | $26,812,330 | 2,606 |
| Average total loans | $195,894,000 | 2,158 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8427% | 3,793 |
| Cost of funding earning assets | 0.5516% | 1,693 |
| Net interest margin | 3.2910% | 4,256 |
| Noninterest income to average assets | 0.9201% | 1,266 |
| Noninterest expense to average assets | 3.2406% | 1,738 |
| Loan and lease loss provision to assets | 0.0035% | 3,624 |
| Net operating income to assets | 0.4890% | 4,677 |
| Return on assets (ROA) | 0.4890% | 4,777 |
| Pretax return on assets | 0.7711% | 4,296 |
| Return on Equity (ROE) | 4.1890% | 4,822 |
| Retained earnings to average equity (ytd only) | 4.1890% | 3,387 |
| Net charge-offs to loans | 0.0124% | 2,709 |
| Credit loss provision to net charge-offs | 33.3333% | 2,194 |
| Earnings coverage of net charge-offs (x) | 73.6667% | 668 |
| Efficiency ratio | 80.4452% | 1,554 |
| Assets per employee ($millions) | 3.4918% | 4,822 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4509% | 2,196 |
| Loan loss allowance to noncurrent loans | 120.3680% | 3,220 |
| Noncurrent assets plus other real estate owned to assets | 1.0942% | 2,018 |
| Noncurrent loans to loans | 1.2054% | 2,017 |
| Net loans and leases to total assets | 81.6668% | 608 |
| Net loans and leases to deposits | 93.7171% | 1,172 |
| Net loans and leases to core deposits | 96.6365% | 1,733 |
| Total domestic deposits to total assets | 87.1419% | 2,139 |
| Equity capital to assets | 11.4403% | 2,495 |
| Core capital (leverage) ratio | 11.3222% | 2,122 |
| Tier 1 risk-based capital ratio | 13.6592% | 3,895 |
| Total risk-based capital ratio | 14.9137% | 3,817 |
| Memoranda: | ||
| Average total assets | $228,231,000 | 2,707 |
| Average earning assets | $214,643,500 | 2,680 |
| Average equity | $26,641,500 | 2,621 |
| Average total loans | $193,212,500 | 2,178 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0833% | 2,984 |
| Cost of funding earning assets | 0.5993% | 1,360 |
| Net interest margin | 3.4840% | 3,580 |
| Noninterest income to average assets | 1.0542% | 1,065 |
| Noninterest expense to average assets | 3.4542% | 1,379 |
| Loan and lease loss provision to assets | -0.2616% | 6,039 |
| Net operating income to assets | 0.7136% | 3,744 |
| Return on assets (ROA) | 0.7136% | 3,857 |
| Pretax return on assets | 1.1120% | 2,988 |
| Return on Equity (ROE) | 6.7229% | 3,674 |
| Retained earnings to average equity (ytd only) | 6.7229% | 1,422 |
| Net charge-offs to loans | -0.5356% | 6,089 |
| Credit loss provision to net charge-offs | 56.9199% | 3,297 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.0111% | 1,678 |
| Assets per employee ($millions) | 3.3210% | 5,119 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4630% | 2,169 |
| Loan loss allowance to noncurrent loans | 126.6637% | 3,136 |
| Noncurrent assets plus other real estate owned to assets | 1.1505% | 1,897 |
| Noncurrent loans to loans | 1.1550% | 2,041 |
| Net loans and leases to total assets | 85.2698% | 289 |
| Net loans and leases to deposits | 98.0117% | 814 |
| Net loans and leases to core deposits | 101.4376% | 1,407 |
| Total domestic deposits to total assets | 86.9996% | 2,137 |
| Equity capital to assets | 11.9177% | 2,020 |
| Core capital (leverage) ratio | 11.7127% | 1,812 |
| Tier 1 risk-based capital ratio | 13.5206% | 3,994 |
| Total risk-based capital ratio | 14.7766% | 3,926 |
| Memoranda: | ||
| Average total assets | $209,076,800 | 2,860 |
| Average earning assets | $195,064,600 | 2,826 |
| Average equity | $22,192,800 | 2,954 |
| Average total loans | $179,421,000 | 2,249 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0945% | 2,964 |
| Cost of funding earning assets | 0.6199% | 1,276 |
| Net interest margin | 3.4746% | 3,643 |
| Noninterest income to average assets | 1.0461% | 1,093 |
| Noninterest expense to average assets | 3.5134% | 1,260 |
| Loan and lease loss provision to assets | -0.4090% | 6,187 |
| Net operating income to assets | 0.7557% | 3,655 |
| Return on assets (ROA) | 0.7557% | 3,754 |
| Pretax return on assets | 1.1783% | 2,898 |
| Return on Equity (ROE) | 7.3639% | 3,425 |
| Retained earnings to average equity (ytd only) | 7.3639% | 1,516 |
| Net charge-offs to loans | -0.6903% | 6,183 |
| Credit loss provision to net charge-offs | 69.1886% | 2,786 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.8099% | 1,421 |
| Assets per employee ($millions) | 3.0610% | 5,477 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4231% | 2,486 |
| Loan loss allowance to noncurrent loans | 176.2311% | 2,505 |
| Noncurrent assets plus other real estate owned to assets | 0.8802% | 2,678 |
| Noncurrent loans to loans | 0.8075% | 2,949 |
| Net loans and leases to total assets | 88.0283% | 137 |
| Net loans and leases to deposits | 102.2089% | 535 |
| Net loans and leases to core deposits | 105.7300% | 1,120 |
| Total domestic deposits to total assets | 86.1259% | 2,466 |
| Equity capital to assets | 12.3860% | 1,805 |
| Core capital (leverage) ratio | 11.8106% | 1,810 |
| Tier 1 risk-based capital ratio | 13.4184% | 4,184 |
| Total risk-based capital ratio | 14.6747% | 4,107 |
| Memoranda: | ||
| Average total assets | $205,718,750 | 2,915 |
| Average earning assets | $191,632,500 | 2,900 |
| Average equity | $21,111,500 | 3,081 |
| Average total loans | $176,138,750 | 2,288 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9599% | 3,451 |
| Cost of funding earning assets | 0.6668% | 1,014 |
| Net interest margin | 3.2931% | 4,331 |
| Noninterest income to average assets | 1.0045% | 1,170 |
| Noninterest expense to average assets | 3.4411% | 1,392 |
| Loan and lease loss provision to assets | -0.6906% | 6,298 |
| Net operating income to assets | 0.7622% | 3,580 |
| Return on assets (ROA) | 0.7622% | 3,683 |
| Pretax return on assets | 1.3154% | 2,312 |
| Return on Equity (ROE) | 7.9985% | 3,054 |
| Retained earnings to average equity (ytd only) | 7.9985% | 1,270 |
| Net charge-offs to loans | -1.0280% | 6,272 |
| Credit loss provision to net charge-offs | 79.6380% | 2,338 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.3908% | 1,221 |
| Assets per employee ($millions) | 3.2494% | 5,249 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4270% | 2,631 |
| Loan loss allowance to noncurrent loans | 174.8815% | 2,473 |
| Noncurrent assets plus other real estate owned to assets | 0.8454% | 2,864 |
| Noncurrent loans to loans | 0.8160% | 3,084 |
| Net loans and leases to total assets | 83.1960% | 447 |
| Net loans and leases to deposits | 92.6675% | 1,294 |
| Net loans and leases to core deposits | 95.4808% | 1,846 |
| Total domestic deposits to total assets | 89.7790% | 755 |
| Equity capital to assets | 9.2007% | 5,016 |
| Core capital (leverage) ratio | 9.1259% | 4,781 |
| Tier 1 risk-based capital ratio | 10.2777% | 6,003 |
| Total risk-based capital ratio | 11.5342% | 5,945 |
| Memoranda: | ||
| Average total assets | $203,889,670 | 2,957 |
| Average earning assets | $189,549,330 | 2,939 |
| Average equity | $19,428,670 | 3,275 |
| Average total loans | $171,983,330 | 2,352 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0262% | 3,135 |
| Cost of funding earning assets | 0.8144% | 463 |
| Net interest margin | 3.2118% | 4,564 |
| Noninterest income to average assets | 0.8284% | 1,607 |
| Noninterest expense to average assets | 3.4806% | 1,355 |
| Loan and lease loss provision to assets | -1.7252% | 6,405 |
| Net operating income to assets | 1.2265% | 1,472 |
| Return on assets (ROA) | 1.2265% | 1,567 |
| Pretax return on assets | 2.0389% | 550 |
| Return on Equity (ROE) | 12.4445% | 1,233 |
| Retained earnings to average equity (ytd only) | 12.4445% | 512 |
| Net charge-offs to loans | -2.0732% | 6,359 |
| Credit loss provision to net charge-offs | 98.8479% | 1,677 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.5209% | 747 |
| Assets per employee ($millions) | 3.0379% | 5,622 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4426% | 2,726 |
| Loan loss allowance to noncurrent loans | 170.1198% | 2,523 |
| Noncurrent assets plus other real estate owned to assets | 0.8753% | 2,886 |
| Noncurrent loans to loans | 0.8480% | 3,125 |
| Net loans and leases to total assets | 82.2555% | 436 |
| Net loans and leases to deposits | 92.5411% | 1,128 |
| Net loans and leases to core deposits | 97.6326% | 1,508 |
| Total domestic deposits to total assets | 88.8854% | 1,341 |
| Equity capital to assets | 9.9401% | 4,212 |
| Core capital (leverage) ratio | 9.4209% | 4,395 |
| Tier 1 risk-based capital ratio | 12.0252% | 5,215 |
| Total risk-based capital ratio | 13.2788% | 5,117 |
| Memoranda: | ||
| Average total assets | $198,934,000 | 3,023 |
| Average earning assets | $183,695,000 | 3,017 |
| Average equity | $19,607,000 | 3,274 |
| Average total loans | $167,472,000 | 2,402 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2450% | 2,798 |
| Cost of funding earning assets | 0.6697% | 1,268 |
| Net interest margin | 3.5753% | 3,492 |
| Noninterest income to average assets | 1.1159% | 978 |
| Noninterest expense to average assets | 3.6299% | 1,248 |
| Loan and lease loss provision to assets | 0.1278% | 2,053 |
| Net operating income to assets | 0.5906% | 4,418 |
| Return on assets (ROA) | 0.5906% | 4,500 |
| Pretax return on assets | 0.6330% | 4,828 |
| Return on Equity (ROE) | 5.8162% | 4,248 |
| Retained earnings to average equity (ytd only) | 5.8162% | 2,050 |
| Net charge-offs to loans | 0.1408% | 2,620 |
| Credit loss provision to net charge-offs | 106.3348% | 2,251 |
| Earnings coverage of net charge-offs (x) | 6.3303% | 3,225 |
| Efficiency ratio | 82.6728% | 1,574 |
| Assets per employee ($millions) | 2.9024% | 5,829 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4337% | 2,782 |
| Loan loss allowance to noncurrent loans | 279.7439% | 1,731 |
| Noncurrent assets plus other real estate owned to assets | 0.6055% | 3,776 |
| Noncurrent loans to loans | 0.5125% | 4,131 |
| Net loans and leases to total assets | 83.7039% | 367 |
| Net loans and leases to deposits | 100.6801% | 587 |
| Net loans and leases to core deposits | 103.3779% | 1,162 |
| Total domestic deposits to total assets | 83.1384% | 4,026 |
| Equity capital to assets | 9.7707% | 4,394 |
| Core capital (leverage) ratio | 9.0580% | 4,895 |
| Tier 1 risk-based capital ratio | 10.4550% | 6,124 |
| Total risk-based capital ratio | 11.7070% | 6,059 |
| Memoranda: | ||
| Average total assets | $183,891,000 | 3,166 |
| Average earning assets | $168,434,200 | 3,176 |
| Average equity | $18,672,000 | 3,331 |
| Average total loans | $156,912,000 | 2,471 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2607% | 2,774 |
| Cost of funding earning assets | 0.6646% | 1,359 |
| Net interest margin | 3.5961% | 3,443 |
| Noninterest income to average assets | 1.0946% | 1,016 |
| Noninterest expense to average assets | 3.7343% | 1,073 |
| Loan and lease loss provision to assets | 0.1736% | 1,416 |
| Net operating income to assets | 0.5185% | 4,812 |
| Return on assets (ROA) | 0.5185% | 4,871 |
| Pretax return on assets | 0.4756% | 5,392 |
| Return on Equity (ROE) | 5.0542% | 4,694 |
| Retained earnings to average equity (ytd only) | 5.0542% | 3,045 |
| Net charge-offs to loans | -0.0510% | 5,916 |
| Credit loss provision to net charge-offs | -398.3051% | 5,704 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.1896% | 1,266 |
| Assets per employee ($millions) | 2.7300% | 6,054 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6270% | 2,208 |
| Loan loss allowance to noncurrent loans | 226.9882% | 1,956 |
| Noncurrent assets plus other real estate owned to assets | 0.8177% | 3,380 |
| Noncurrent loans to loans | 0.7168% | 3,816 |
| Net loans and leases to total assets | 87.3816% | 133 |
| Net loans and leases to deposits | 106.7589% | 300 |
| Net loans and leases to core deposits | 109.5195% | 766 |
| Total domestic deposits to total assets | 81.8495% | 4,534 |
| Equity capital to assets | 10.1631% | 3,977 |
| Core capital (leverage) ratio | 9.2354% | 4,730 |
| Tier 1 risk-based capital ratio | 10.2745% | 6,276 |
| Total risk-based capital ratio | 11.5291% | 6,236 |
| Memoranda: | ||
| Average total assets | $180,522,250 | 3,228 |
| Average earning assets | $165,102,250 | 3,248 |
| Average equity | $18,519,000 | 3,364 |
| Average total loans | $154,238,500 | 2,510 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1968% | 2,962 |
| Cost of funding earning assets | 0.6597% | 1,434 |
| Net interest margin | 3.5371% | 3,619 |
| Noninterest income to average assets | 1.0469% | 1,082 |
| Noninterest expense to average assets | 3.6910% | 1,153 |
| Loan and lease loss provision to assets | 0.0984% | 2,386 |
| Net operating income to assets | 0.6375% | 4,163 |
| Return on assets (ROA) | 0.6375% | 4,269 |
| Pretax return on assets | 0.4899% | 5,304 |
| Return on Equity (ROE) | 6.1946% | 4,052 |
| Retained earnings to average equity (ytd only) | 6.1946% | 2,218 |
| Net charge-offs to loans | -0.1287% | 6,220 |
| Credit loss provision to net charge-offs | -90.7216% | 5,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.2520% | 1,250 |
| Assets per employee ($millions) | 2.7146% | 6,121 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6079% | 2,430 |
| Loan loss allowance to noncurrent loans | 202.1995% | 2,114 |
| Noncurrent assets plus other real estate owned to assets | 0.8847% | 3,335 |
| Noncurrent loans to loans | 0.7952% | 3,706 |
| Net loans and leases to total assets | 86.6010% | 147 |
| Net loans and leases to deposits | 105.0207% | 334 |
| Net loans and leases to core deposits | 107.0710% | 825 |
| Total domestic deposits to total assets | 82.4609% | 4,486 |
| Equity capital to assets | 10.2948% | 3,704 |
| Core capital (leverage) ratio | 9.3036% | 4,584 |
| Tier 1 risk-based capital ratio | 10.4180% | 6,274 |
| Total risk-based capital ratio | 11.6586% | 6,229 |
| Memoranda: | ||
| Average total assets | $178,815,670 | 3,264 |
| Average earning assets | $163,409,670 | 3,277 |
| Average equity | $18,403,000 | 3,375 |
| Average total loans | $150,684,670 | 2,567 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0968% | 3,299 |
| Cost of funding earning assets | 0.6585% | 1,526 |
| Net interest margin | 3.4382% | 3,946 |
| Noninterest income to average assets | 0.9634% | 1,220 |
| Noninterest expense to average assets | 3.7409% | 1,070 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.2595% | 5,631 |
| Return on assets (ROA) | 0.2595% | 5,672 |
| Pretax return on assets | 0.3678% | 5,547 |
| Return on Equity (ROE) | 2.5216% | 5,619 |
| Retained earnings to average equity (ytd only) | 2.5216% | 4,558 |
| Net charge-offs to loans | -0.1233% | 6,202 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.0489% | 948 |
| Assets per employee ($millions) | 2.7640% | 6,144 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6560% | 2,488 |
| Loan loss allowance to noncurrent loans | 140.8565% | 2,779 |
| Noncurrent assets plus other real estate owned to assets | 1.0695% | 3,121 |
| Noncurrent loans to loans | 1.1757% | 3,085 |
| Net loans and leases to total assets | 79.2363% | 632 |
| Net loans and leases to deposits | 96.9652% | 600 |
| Net loans and leases to core deposits | 100.1649% | 1,096 |
| Total domestic deposits to total assets | 81.7162% | 5,024 |
| Equity capital to assets | 10.0360% | 3,804 |
| Core capital (leverage) ratio | 9.0931% | 4,879 |
| Tier 1 risk-based capital ratio | 11.1618% | 6,093 |
| Total risk-based capital ratio | 12.4143% | 6,041 |
| Memoranda: | ||
| Average total assets | $177,284,000 | 3,306 |
| Average earning assets | $162,176,000 | 3,321 |
| Average equity | $18,242,500 | 3,395 |
| Average total loans | $145,985,500 | 2,643 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2978% | 2,968 |
| Cost of funding earning assets | 0.7414% | 1,556 |
| Net interest margin | 3.5563% | 3,651 |
| Noninterest income to average assets | 1.0835% | 1,207 |
| Noninterest expense to average assets | 3.8395% | 1,077 |
| Loan and lease loss provision to assets | -0.5085% | 6,745 |
| Net operating income to assets | 0.5861% | 4,327 |
| Return on assets (ROA) | 0.5861% | 4,438 |
| Pretax return on assets | 0.9277% | 3,655 |
| Return on Equity (ROE) | 5.6580% | 4,298 |
| Retained earnings to average equity (ytd only) | 5.6580% | 2,183 |
| Net charge-offs to loans | -0.7521% | 6,747 |
| Credit loss provision to net charge-offs | 86.3273% | 2,862 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.1574% | 1,010 |
| Assets per employee ($millions) | 2.5693% | 6,353 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6477% | 2,579 |
| Loan loss allowance to noncurrent loans | 148.1091% | 2,702 |
| Noncurrent assets plus other real estate owned to assets | 1.0991% | 3,210 |
| Noncurrent loans to loans | 1.1125% | 3,314 |
| Net loans and leases to total assets | 82.8388% | 336 |
| Net loans and leases to deposits | 103.0324% | 358 |
| Net loans and leases to core deposits | 104.1111% | 901 |
| Total domestic deposits to total assets | 80.4007% | 5,346 |
| Equity capital to assets | 10.5592% | 3,084 |
| Core capital (leverage) ratio | 9.4763% | 4,304 |
| Tier 1 risk-based capital ratio | 11.2025% | 6,074 |
| Total risk-based capital ratio | 12.4579% | 6,020 |
| Memoranda: | ||
| Average total assets | $170,101,000 | 3,407 |
| Average earning assets | $151,869,400 | 3,469 |
| Average equity | $17,621,000 | 3,478 |
| Average total loans | $133,222,800 | 2,803 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2953% | 3,012 |
| Cost of funding earning assets | 0.7680% | 1,492 |
| Net interest margin | 3.5273% | 3,763 |
| Noninterest income to average assets | 1.1235% | 1,160 |
| Noninterest expense to average assets | 3.8413% | 1,036 |
| Loan and lease loss provision to assets | -0.3333% | 6,786 |
| Net operating income to assets | 0.4639% | 4,956 |
| Return on assets (ROA) | 0.4639% | 5,104 |
| Pretax return on assets | 0.7461% | 4,499 |
| Return on Equity (ROE) | 4.4998% | 4,983 |
| Retained earnings to average equity (ytd only) | 4.4998% | 3,473 |
| Net charge-offs to loans | -0.5741% | 6,796 |
| Credit loss provision to net charge-offs | 75.5793% | 2,954 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.2975% | 967 |
| Assets per employee ($millions) | 2.4041% | 6,543 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7097% | 2,598 |
| Loan loss allowance to noncurrent loans | 167.6491% | 2,317 |
| Noncurrent assets plus other real estate owned to assets | 1.7764% | 2,307 |
| Noncurrent loans to loans | 1.0198% | 3,765 |
| Net loans and leases to total assets | 84.0138% | 246 |
| Net loans and leases to deposits | 104.5705% | 275 |
| Net loans and leases to core deposits | 105.4125% | 790 |
| Total domestic deposits to total assets | 80.3417% | 5,414 |
| Equity capital to assets | 10.8761% | 2,890 |
| Core capital (leverage) ratio | 9.6312% | 4,201 |
| Tier 1 risk-based capital ratio | 11.1929% | 6,193 |
| Total risk-based capital ratio | 12.4486% | 6,155 |
| Memoranda: | ||
| Average total assets | $169,590,250 | 3,453 |
| Average earning assets | $150,518,750 | 3,523 |
| Average equity | $17,482,000 | 3,533 |
| Average total loans | $130,280,750 | 2,875 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9369% | 4,332 |
| Cost of funding earning assets | 0.7927% | 1,452 |
| Net interest margin | 3.1442% | 5,144 |
| Noninterest income to average assets | 1.2655% | 964 |
| Noninterest expense to average assets | 3.7476% | 1,167 |
| Loan and lease loss provision to assets | -0.1119% | 6,724 |
| Net operating income to assets | 0.2366% | 5,804 |
| Return on assets (ROA) | 0.2366% | 5,927 |
| Pretax return on assets | 0.4079% | 5,624 |
| Return on Equity (ROE) | 2.3357% | 5,853 |
| Retained earnings to average equity (ytd only) | 2.3357% | 4,806 |
| Net charge-offs to loans | -0.2155% | 6,683 |
| Credit loss provision to net charge-offs | 70.0730% | 2,826 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.6801% | 845 |
| Assets per employee ($millions) | 2.5213% | 6,481 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7728% | 2,521 |
| Loan loss allowance to noncurrent loans | 47.2102% | 5,329 |
| Noncurrent assets plus other real estate owned to assets | 3.8544% | 930 |
| Noncurrent loans to loans | 3.7552% | 1,086 |
| Net loans and leases to total assets | 76.3488% | 946 |
| Net loans and leases to deposits | 95.2927% | 718 |
| Net loans and leases to core deposits | 96.0455% | 1,352 |
| Total domestic deposits to total assets | 80.1203% | 5,579 |
| Equity capital to assets | 10.4630% | 3,351 |
| Core capital (leverage) ratio | 9.2086% | 4,687 |
| Tier 1 risk-based capital ratio | 11.5761% | 6,072 |
| Total risk-based capital ratio | 12.8325% | 6,023 |
| Memoranda: | ||
| Average total assets | $171,627,670 | 3,439 |
| Average earning assets | $151,643,000 | 3,523 |
| Average equity | $17,382,670 | 3,562 |
| Average total loans | $127,130,000 | 2,936 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9328% | 4,356 |
| Cost of funding earning assets | 0.8205% | 1,417 |
| Net interest margin | 3.1123% | 5,217 |
| Noninterest income to average assets | 1.3338% | 866 |
| Noninterest expense to average assets | 3.6318% | 1,365 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.2089% | 5,859 |
| Return on assets (ROA) | 0.2089% | 5,976 |
| Pretax return on assets | 0.4362% | 5,448 |
| Return on Equity (ROE) | 2.0957% | 5,906 |
| Retained earnings to average equity (ytd only) | 2.0957% | 4,956 |
| Net charge-offs to loans | -0.1301% | 6,552 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.2777% | 1,210 |
| Assets per employee ($millions) | 2.5911% | 6,503 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8434% | 2,469 |
| Loan loss allowance to noncurrent loans | 47.2979% | 5,275 |
| Noncurrent assets plus other real estate owned to assets | 3.7453% | 1,104 |
| Noncurrent loans to loans | 3.8974% | 1,175 |
| Net loans and leases to total assets | 71.3971% | 1,452 |
| Net loans and leases to deposits | 88.5481% | 1,090 |
| Net loans and leases to core deposits | 89.2223% | 1,782 |
| Total domestic deposits to total assets | 80.6308% | 5,589 |
| Equity capital to assets | 10.1734% | 3,928 |
| Core capital (leverage) ratio | 8.8258% | 5,144 |
| Tier 1 risk-based capital ratio | 11.8386% | 6,004 |
| Total risk-based capital ratio | 13.0957% | 5,977 |
| Memoranda: | ||
| Average total assets | $174,238,500 | 3,430 |
| Average earning assets | $153,072,500 | 3,542 |
| Average equity | $17,368,500 | 3,607 |
| Average total loans | $126,024,000 | 2,967 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3180% | 4,130 |
| Cost of funding earning assets | 1.0807% | 981 |
| Net interest margin | 3.2374% | 5,467 |
| Noninterest income to average assets | 1.1721% | 1,146 |
| Noninterest expense to average assets | 3.6808% | 1,453 |
| Loan and lease loss provision to assets | -0.0558% | 6,871 |
| Net operating income to assets | 0.2549% | 5,620 |
| Return on assets (ROA) | 0.2549% | 5,824 |
| Pretax return on assets | 0.3758% | 5,638 |
| Return on Equity (ROE) | 2.5311% | 5,737 |
| Retained earnings to average equity (ytd only) | 2.5311% | 4,443 |
| Net charge-offs to loans | -0.0828% | 6,790 |
| Credit loss provision to net charge-offs | 91.3462% | 3,421 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.0006% | 921 |
| Assets per employee ($millions) | 2.7302% | 6,390 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7641% | 2,714 |
| Loan loss allowance to noncurrent loans | 41.7966% | 5,547 |
| Noncurrent assets plus other real estate owned to assets | 3.9141% | 1,110 |
| Noncurrent loans to loans | 4.2207% | 1,068 |
| Net loans and leases to total assets | 70.6649% | 1,714 |
| Net loans and leases to deposits | 92.1390% | 900 |
| Net loans and leases to core deposits | 92.8471% | 1,567 |
| Total domestic deposits to total assets | 76.6937% | 6,262 |
| Equity capital to assets | 9.7705% | 4,497 |
| Core capital (leverage) ratio | 8.4854% | 5,635 |
| Tier 1 risk-based capital ratio | 11.2741% | 6,230 |
| Total risk-based capital ratio | 12.5368% | 6,188 |
| Memoranda: | ||
| Average total assets | $170,290,200 | 3,449 |
| Average earning assets | $148,794,400 | 3,580 |
| Average equity | $17,147,000 | 3,600 |
| Average total loans | $125,559,800 | 2,972 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4306% | 3,923 |
| Cost of funding earning assets | 1.1126% | 1,013 |
| Net interest margin | 3.3180% | 5,320 |
| Noninterest income to average assets | 1.0967% | 1,249 |
| Noninterest expense to average assets | 3.6993% | 1,361 |
| Loan and lease loss provision to assets | -0.0752% | 7,017 |
| Net operating income to assets | 0.2469% | 5,791 |
| Return on assets (ROA) | 0.2469% | 5,984 |
| Pretax return on assets | 0.3679% | 5,794 |
| Return on Equity (ROE) | 2.4328% | 5,906 |
| Retained earnings to average equity (ytd only) | 2.4328% | 5,113 |
| Net charge-offs to loans | -0.0821% | 6,813 |
| Credit loss provision to net charge-offs | 123.3766% | 2,346 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.6660% | 847 |
| Assets per employee ($millions) | 2.6094% | 6,589 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8480% | 2,650 |
| Loan loss allowance to noncurrent loans | 44.8609% | 5,406 |
| Noncurrent assets plus other real estate owned to assets | 3.8606% | 1,273 |
| Noncurrent loans to loans | 4.1194% | 1,222 |
| Net loans and leases to total assets | 69.7062% | 1,969 |
| Net loans and leases to deposits | 91.7456% | 997 |
| Net loans and leases to core deposits | 92.8881% | 1,695 |
| Total domestic deposits to total assets | 75.9777% | 6,382 |
| Equity capital to assets | 10.1486% | 4,276 |
| Core capital (leverage) ratio | 8.7609% | 5,389 |
| Tier 1 risk-based capital ratio | 11.6344% | 6,156 |
| Total risk-based capital ratio | 12.8467% | 6,148 |
| Memoranda: | ||
| Average total assets | $168,497,000 | 3,514 |
| Average earning assets | $147,033,250 | 3,643 |
| Average equity | $17,099,000 | 3,638 |
| Average total loans | $125,035,750 | 3,016 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5281% | 3,653 |
| Cost of funding earning assets | 1.1283% | 1,102 |
| Net interest margin | 3.3998% | 5,093 |
| Noninterest income to average assets | 0.9624% | 1,571 |
| Noninterest expense to average assets | 3.7008% | 1,370 |
| Loan and lease loss provision to assets | -0.1118% | 7,111 |
| Net operating income to assets | 0.2177% | 5,864 |
| Return on assets (ROA) | 0.2177% | 6,052 |
| Pretax return on assets | 0.3343% | 5,882 |
| Return on Equity (ROE) | 2.1452% | 5,995 |
| Retained earnings to average equity (ytd only) | 2.1452% | 5,117 |
| Net charge-offs to loans | -0.2165% | 7,015 |
| Credit loss provision to net charge-offs | 68.6131% | 3,601 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.3299% | 789 |
| Assets per employee ($millions) | 2.5811% | 6,679 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8407% | 2,732 |
| Loan loss allowance to noncurrent loans | 84.2920% | 3,651 |
| Noncurrent assets plus other real estate owned to assets | 2.5849% | 2,147 |
| Noncurrent loans to loans | 2.1838% | 2,731 |
| Net loans and leases to total assets | 73.7953% | 1,284 |
| Net loans and leases to deposits | 96.9701% | 574 |
| Net loans and leases to core deposits | 98.0062% | 1,274 |
| Total domestic deposits to total assets | 76.1011% | 6,442 |
| Equity capital to assets | 10.3516% | 3,879 |
| Core capital (leverage) ratio | 8.8935% | 5,059 |
| Tier 1 risk-based capital ratio | 11.1946% | 6,408 |
| Total risk-based capital ratio | 12.4511% | 6,383 |
| Memoranda: | ||
| Average total assets | $168,126,330 | 3,530 |
| Average earning assets | $146,419,670 | 3,668 |
| Average equity | $17,061,000 | 3,634 |
| Average total loans | $126,563,000 | 2,992 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5569% | 3,686 |
| Cost of funding earning assets | 1.1712% | 1,100 |
| Net interest margin | 3.3858% | 5,176 |
| Noninterest income to average assets | 0.9198% | 1,669 |
| Noninterest expense to average assets | 3.5827% | 1,600 |
| Loan and lease loss provision to assets | -0.2359% | 7,215 |
| Net operating income to assets | 0.3609% | 5,423 |
| Return on assets (ROA) | 0.3609% | 5,606 |
| Pretax return on assets | 0.5118% | 5,393 |
| Return on Equity (ROE) | 3.5912% | 5,466 |
| Retained earnings to average equity (ytd only) | 3.5912% | 4,420 |
| Net charge-offs to loans | -0.3883% | 7,112 |
| Credit loss provision to net charge-offs | 80.6452% | 2,713 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.8484% | 890 |
| Assets per employee ($millions) | 2.6714% | 6,673 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8436% | 2,860 |
| Loan loss allowance to noncurrent loans | 177.3865% | 1,861 |
| Noncurrent assets plus other real estate owned to assets | 1.6956% | 3,315 |
| Noncurrent loans to loans | 1.0393% | 4,609 |
| Net loans and leases to total assets | 70.5972% | 1,649 |
| Net loans and leases to deposits | 91.4559% | 841 |
| Net loans and leases to core deposits | 91.8226% | 1,670 |
| Total domestic deposits to total assets | 77.1927% | 6,372 |
| Equity capital to assets | 10.0148% | 4,108 |
| Core capital (leverage) ratio | 8.6154% | 5,423 |
| Tier 1 risk-based capital ratio | 11.1451% | 6,472 |
| Total risk-based capital ratio | 12.4004% | 6,454 |
| Memoranda: | ||
| Average total assets | $169,593,500 | 3,523 |
| Average earning assets | $147,204,500 | 3,680 |
| Average equity | $17,041,500 | 3,643 |
| Average total loans | $127,749,500 | 2,984 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0040% | 2,861 |
| Cost of funding earning assets | 1.5493% | 589 |
| Net interest margin | 3.4548% | 5,305 |
| Noninterest income to average assets | 1.0857% | 1,125 |
| Noninterest expense to average assets | 3.5677% | 1,811 |
| Loan and lease loss provision to assets | 0.9035% | 1,063 |
| Net operating income to assets | -0.2079% | 6,267 |
| Return on assets (ROA) | -0.1610% | 6,288 |
| Pretax return on assets | -0.2842% | 6,342 |
| Return on Equity (ROE) | -1.6521% | 6,308 |
| Retained earnings to average equity (ytd only) | -1.6521% | 6,107 |
| Net charge-offs to loans | 1.2791% | 1,296 |
| Credit loss provision to net charge-offs | 91.1034% | 3,959 |
| Earnings coverage of net charge-offs (x) | 0.5505% | 5,416 |
| Efficiency ratio | 86.7270% | 1,476 |
| Assets per employee ($millions) | 2.9003% | 6,288 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6932% | 3,228 |
| Loan loss allowance to noncurrent loans | 143.2950% | 2,220 |
| Noncurrent assets plus other real estate owned to assets | 1.9831% | 2,993 |
| Noncurrent loans to loans | 1.1816% | 4,395 |
| Net loans and leases to total assets | 77.4521% | 778 |
| Net loans and leases to deposits | 102.2099% | 363 |
| Net loans and leases to core deposits | 102.6318% | 987 |
| Total domestic deposits to total assets | 75.7776% | 6,511 |
| Equity capital to assets | 10.0826% | 4,059 |
| Core capital (leverage) ratio | 8.6666% | 5,300 |
| Tier 1 risk-based capital ratio | 10.4656% | 6,701 |
| Total risk-based capital ratio | 11.7168% | 6,679 |
| Memoranda: | ||
| Average total assets | $174,540,200 | 3,422 |
| Average earning assets | $152,976,800 | 3,532 |
| Average equity | $17,008,800 | 3,575 |
| Average total loans | $135,324,600 | 2,892 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9783% | 3,198 |
| Cost of funding earning assets | 1.6042% | 569 |
| Net interest margin | 3.3742% | 5,653 |
| Noninterest income to average assets | 1.1060% | 1,091 |
| Noninterest expense to average assets | 3.6406% | 1,628 |
| Loan and lease loss provision to assets | 1.0674% | 780 |
| Net operating income to assets | -0.3853% | 6,569 |
| Return on assets (ROA) | -0.3233% | 6,577 |
| Pretax return on assets | -0.5322% | 6,639 |
| Return on Equity (ROE) | -3.3449% | 6,584 |
| Retained earnings to average equity (ytd only) | -3.3449% | 6,455 |
| Net charge-offs to loans | 1.6497% | 845 |
| Credit loss provision to net charge-offs | 83.7790% | 4,012 |
| Earnings coverage of net charge-offs (x) | 0.3440% | 5,351 |
| Efficiency ratio | 89.2539% | 1,218 |
| Assets per employee ($millions) | 2.7796% | 6,521 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6211% | 3,569 |
| Loan loss allowance to noncurrent loans | 121.6619% | 2,468 |
| Noncurrent assets plus other real estate owned to assets | 2.1076% | 3,023 |
| Noncurrent loans to loans | 1.3324% | 4,304 |
| Net loans and leases to total assets | 77.2536% | 806 |
| Net loans and leases to deposits | 102.1996% | 378 |
| Net loans and leases to core deposits | 102.8351% | 1,048 |
| Total domestic deposits to total assets | 75.5909% | 6,579 |
| Equity capital to assets | 10.0813% | 4,235 |
| Core capital (leverage) ratio | 8.6166% | 5,526 |
| Tier 1 risk-based capital ratio | 10.7058% | 6,706 |
| Total risk-based capital ratio | 11.9604% | 6,683 |
| Memoranda: | ||
| Average total assets | $176,120,250 | 3,408 |
| Average earning assets | $155,175,250 | 3,515 |
| Average equity | $17,020,750 | 3,581 |
| Average total loans | $136,022,250 | 2,906 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9615% | 3,346 |
| Cost of funding earning assets | 1.6791% | 504 |
| Net interest margin | 3.2825% | 5,912 |
| Noninterest income to average assets | 1.0779% | 1,121 |
| Noninterest expense to average assets | 3.7850% | 1,369 |
| Loan and lease loss provision to assets | 1.4897% | 476 |
| Net operating income to assets | -0.8245% | 6,881 |
| Return on assets (ROA) | -0.7331% | 6,845 |
| Pretax return on assets | -1.1504% | 6,946 |
| Return on Equity (ROE) | -7.6887% | 6,851 |
| Retained earnings to average equity (ytd only) | -7.6887% | 6,753 |
| Net charge-offs to loans | 2.4545% | 492 |
| Credit loss provision to net charge-offs | 78.9941% | 3,802 |
| Earnings coverage of net charge-offs (x) | 0.1041% | 5,214 |
| Efficiency ratio | 95.0673% | 923 |
| Assets per employee ($millions) | 2.9451% | 6,207 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5277% | 3,996 |
| Loan loss allowance to noncurrent loans | 65.6582% | 4,152 |
| Noncurrent assets plus other real estate owned to assets | 2.1064% | 3,095 |
| Noncurrent loans to loans | 2.3267% | 3,063 |
| Net loans and leases to total assets | 76.9822% | 919 |
| Net loans and leases to deposits | 101.4817% | 424 |
| Net loans and leases to core deposits | 104.4124% | 1,018 |
| Total domestic deposits to total assets | 75.8582% | 6,617 |
| Equity capital to assets | 9.6958% | 4,541 |
| Core capital (leverage) ratio | 8.1996% | 6,031 |
| Tier 1 risk-based capital ratio | 10.3467% | 6,848 |
| Total risk-based capital ratio | 11.6001% | 6,842 |
| Memoranda: | ||
| Average total assets | $179,235,670 | 3,379 |
| Average earning assets | $158,539,670 | 3,466 |
| Average equity | $17,090,000 | 3,554 |
| Average total loans | $137,709,000 | 2,897 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9131% | 3,528 |
| Cost of funding earning assets | 1.6950% | 561 |
| Net interest margin | 3.2181% | 6,018 |
| Noninterest income to average assets | 1.1557% | 977 |
| Noninterest expense to average assets | 3.3056% | 2,541 |
| Loan and lease loss provision to assets | 0.2464% | 3,198 |
| Net operating income to assets | 0.3467% | 5,189 |
| Return on assets (ROA) | 0.5560% | 4,335 |
| Pretax return on assets | 0.7392% | 4,150 |
| Return on Equity (ROE) | 5.8776% | 3,976 |
| Retained earnings to average equity (ytd only) | 5.8776% | 2,712 |
| Net charge-offs to loans | 2.1918% | 558 |
| Credit loss provision to net charge-offs | 14.7520% | 4,331 |
| Earnings coverage of net charge-offs (x) | 0.4230% | 4,306 |
| Efficiency ratio | 82.3913% | 2,168 |
| Assets per employee ($millions) | 3.0695% | 6,004 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2605% | 5,338 |
| Loan loss allowance to noncurrent loans | 50.3319% | 4,992 |
| Noncurrent assets plus other real estate owned to assets | 1.9862% | 3,337 |
| Noncurrent loans to loans | 2.5043% | 2,978 |
| Net loans and leases to total assets | 75.4355% | 1,120 |
| Net loans and leases to deposits | 104.1098% | 310 |
| Net loans and leases to core deposits | 107.0675% | 893 |
| Total domestic deposits to total assets | 72.4577% | 7,043 |
| Equity capital to assets | 9.6547% | 4,245 |
| Core capital (leverage) ratio | 8.3968% | 5,631 |
| Tier 1 risk-based capital ratio | 10.0103% | 7,000 |
| Total risk-based capital ratio | 11.2315% | 7,010 |
| Memoranda: | ||
| Average total assets | $183,445,500 | 3,348 |
| Average earning assets | $162,830,000 | 3,407 |
| Average equity | $17,354,000 | 3,513 |
| Average total loans | $139,794,500 | 2,894 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4962% | 2,301 |
| Cost of funding earning assets | 2.0289% | 545 |
| Net interest margin | 3.4673% | 5,373 |
| Noninterest income to average assets | 1.2638% | 925 |
| Noninterest expense to average assets | 3.6559% | 1,798 |
| Loan and lease loss provision to assets | 1.5349% | 959 |
| Net operating income to assets | -0.4901% | 6,384 |
| Return on assets (ROA) | -0.4752% | 6,402 |
| Pretax return on assets | -0.7812% | 6,514 |
| Return on Equity (ROE) | -5.1286% | 6,442 |
| Retained earnings to average equity (ytd only) | -5.1286% | 6,312 |
| Net charge-offs to loans | 2.0313% | 991 |
| Credit loss provision to net charge-offs | 91.7981% | 5,053 |
| Earnings coverage of net charge-offs (x) | 0.4369% | 5,673 |
| Efficiency ratio | 83.3454% | 2,006 |
| Assets per employee ($millions) | 2.8583% | 6,423 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6980% | 3,222 |
| Loan loss allowance to noncurrent loans | 54.0090% | 4,784 |
| Noncurrent assets plus other real estate owned to assets | 2.4237% | 2,848 |
| Noncurrent loans to loans | 3.1438% | 2,423 |
| Net loans and leases to total assets | 74.7255% | 1,537 |
| Net loans and leases to deposits | 102.7252% | 452 |
| Net loans and leases to core deposits | 105.7542% | 1,209 |
| Total domestic deposits to total assets | 72.7431% | 7,022 |
| Equity capital to assets | 9.2702% | 4,720 |
| Core capital (leverage) ratio | 8.0207% | 6,173 |
| Tier 1 risk-based capital ratio | 10.1180% | 6,923 |
| Total risk-based capital ratio | 11.3736% | 6,901 |
| Memoranda: | ||
| Average total assets | $189,585,200 | 3,236 |
| Average earning assets | $170,736,800 | 3,265 |
| Average equity | $17,568,000 | 3,494 |
| Average total loans | $156,056,200 | 2,670 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6183% | 2,001 |
| Cost of funding earning assets | 2.0867% | 566 |
| Net interest margin | 3.5316% | 5,175 |
| Noninterest income to average assets | 1.1119% | 1,140 |
| Noninterest expense to average assets | 3.5576% | 1,887 |
| Loan and lease loss provision to assets | 1.5878% | 816 |
| Net operating income to assets | -0.5095% | 6,595 |
| Return on assets (ROA) | -0.4898% | 6,628 |
| Pretax return on assets | -0.8145% | 6,748 |
| Return on Equity (ROE) | -5.2866% | 6,668 |
| Retained earnings to average equity (ytd only) | -5.2866% | 6,577 |
| Net charge-offs to loans | 2.3543% | 743 |
| Credit loss provision to net charge-offs | 80.4325% | 5,118 |
| Earnings coverage of net charge-offs (x) | 0.3761% | 5,654 |
| Efficiency ratio | 82.7339% | 1,979 |
| Assets per employee ($millions) | 2.7170% | 6,753 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3665% | 4,636 |
| Loan loss allowance to noncurrent loans | 44.7396% | 5,289 |
| Noncurrent assets plus other real estate owned to assets | 2.5097% | 2,861 |
| Noncurrent loans to loans | 3.0543% | 2,615 |
| Net loans and leases to total assets | 81.0465% | 616 |
| Net loans and leases to deposits | 112.5430% | 210 |
| Net loans and leases to core deposits | 115.8642% | 750 |
| Total domestic deposits to total assets | 72.0139% | 7,129 |
| Equity capital to assets | 9.2770% | 5,180 |
| Core capital (leverage) ratio | 8.1586% | 6,100 |
| Tier 1 risk-based capital ratio | 10.7202% | 6,621 |
| Total risk-based capital ratio | 11.9733% | 6,592 |
| Memoranda: | ||
| Average total assets | $190,534,500 | 3,268 |
| Average earning assets | $172,005,250 | 3,286 |
| Average equity | $17,654,250 | 3,527 |
| Average total loans | $159,763,000 | 2,664 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6758% | 1,850 |
| Cost of funding earning assets | 2.1476% | 557 |
| Net interest margin | 3.5282% | 5,129 |
| Noninterest income to average assets | 0.9982% | 1,384 |
| Noninterest expense to average assets | 3.5436% | 1,922 |
| Loan and lease loss provision to assets | 1.3385% | 1,013 |
| Net operating income to assets | -0.3810% | 6,545 |
| Return on assets (ROA) | -0.3456% | 6,557 |
| Pretax return on assets | -0.6348% | 6,688 |
| Return on Equity (ROE) | -3.7313% | 6,595 |
| Retained earnings to average equity (ytd only) | -3.7313% | 6,408 |
| Net charge-offs to loans | 1.0577% | 1,776 |
| Credit loss provision to net charge-offs | 149.9415% | 2,626 |
| Earnings coverage of net charge-offs (x) | 0.7263% | 5,022 |
| Efficiency ratio | 84.5330% | 1,860 |
| Assets per employee ($millions) | 2.9249% | 6,302 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9026% | 2,404 |
| Loan loss allowance to noncurrent loans | 34.6595% | 6,053 |
| Noncurrent assets plus other real estate owned to assets | 4.6802% | 1,384 |
| Noncurrent loans to loans | 5.4895% | 1,203 |
| Net loans and leases to total assets | 83.6355% | 383 |
| Net loans and leases to deposits | 116.6348% | 168 |
| Net loans and leases to core deposits | 120.0316% | 691 |
| Total domestic deposits to total assets | 71.7072% | 7,202 |
| Equity capital to assets | 9.3021% | 5,003 |
| Core capital (leverage) ratio | 8.1865% | 5,962 |
| Tier 1 risk-based capital ratio | 10.0894% | 6,982 |
| Total risk-based capital ratio | 11.3487% | 6,945 |
| Memoranda: | ||
| Average total assets | $191,554,330 | 3,285 |
| Average earning assets | $173,402,000 | 3,284 |
| Average equity | $17,741,670 | 3,504 |
| Average total loans | $161,668,330 | 2,670 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7206% | 1,701 |
| Cost of funding earning assets | 2.2390% | 525 |
| Net interest margin | 3.4816% | 5,235 |
| Noninterest income to average assets | 0.9154% | 1,572 |
| Noninterest expense to average assets | 3.5783% | 1,791 |
| Loan and lease loss provision to assets | 1.4396% | 822 |
| Net operating income to assets | -0.6185% | 6,912 |
| Return on assets (ROA) | -0.5347% | 6,884 |
| Pretax return on assets | -0.8259% | 6,964 |
| Return on Equity (ROE) | -5.7850% | 6,927 |
| Retained earnings to average equity (ytd only) | -5.7850% | 6,644 |
| Net charge-offs to loans | 2.0067% | 852 |
| Credit loss provision to net charge-offs | 85.4321% | 3,764 |
| Earnings coverage of net charge-offs (x) | 0.2877% | 4,786 |
| Efficiency ratio | 88.0696% | 1,580 |
| Assets per employee ($millions) | 2.9429% | 6,351 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5520% | 3,653 |
| Loan loss allowance to noncurrent loans | 45.6737% | 5,308 |
| Noncurrent assets plus other real estate owned to assets | 2.9061% | 2,467 |
| Noncurrent loans to loans | 3.3980% | 2,354 |
| Net loans and leases to total assets | 84.1975% | 354 |
| Net loans and leases to deposits | 117.8695% | 169 |
| Net loans and leases to core deposits | 121.4689% | 727 |
| Total domestic deposits to total assets | 71.4328% | 7,318 |
| Equity capital to assets | 9.2605% | 4,898 |
| Core capital (leverage) ratio | 8.4840% | 5,405 |
| Tier 1 risk-based capital ratio | 10.6531% | 6,490 |
| Total risk-based capital ratio | 11.9084% | 6,470 |
| Memoranda: | ||
| Average total assets | $192,272,000 | 3,332 |
| Average earning assets | $173,827,500 | 3,342 |
| Average equity | $17,770,000 | 3,528 |
| Average total loans | $161,457,000 | 2,743 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8079% | 2,625 |
| Cost of funding earning assets | 2.7065% | 576 |
| Net interest margin | 3.1014% | 6,365 |
| Noninterest income to average assets | 0.9941% | 1,596 |
| Noninterest expense to average assets | 3.8623% | 1,562 |
| Loan and lease loss provision to assets | 0.7154% | 2,968 |
| Net operating income to assets | -0.5081% | 6,189 |
| Return on assets (ROA) | -0.4525% | 6,127 |
| Pretax return on assets | -0.6672% | 6,159 |
| Return on Equity (ROE) | -5.3050% | 6,238 |
| Retained earnings to average equity (ytd only) | -5.3050% | 6,063 |
| Net charge-offs to loans | 0.2170% | 5,267 |
| Credit loss provision to net charge-offs | 391.6442% | 812 |
| Earnings coverage of net charge-offs (x) | -0.1833% | 6,424 |
| Efficiency ratio | 100.8745% | 1,061 |
| Assets per employee ($millions) | 2.9732% | 6,292 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6684% | 3,011 |
| Loan loss allowance to noncurrent loans | 66.9184% | 4,055 |
| Noncurrent assets plus other real estate owned to assets | 2.4910% | 2,807 |
| Noncurrent loans to loans | 2.4931% | 3,046 |
| Net loans and leases to total assets | 81.0621% | 832 |
| Net loans and leases to deposits | 116.2771% | 224 |
| Net loans and leases to core deposits | 146.3269% | 603 |
| Total domestic deposits to total assets | 69.7146% | 7,446 |
| Equity capital to assets | 9.2239% | 4,814 |
| Core capital (leverage) ratio | 8.3791% | 5,475 |
| Tier 1 risk-based capital ratio | 10.7367% | 6,169 |
| Total risk-based capital ratio | 11.9927% | 6,140 |
| Memoranda: | ||
| Average total assets | $203,090,800 | 3,146 |
| Average earning assets | $185,625,000 | 3,147 |
| Average equity | $17,323,400 | 3,611 |
| Average total loans | $170,943,400 | 2,608 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7686% | 3,026 |
| Cost of funding earning assets | 2.7859% | 617 |
| Net interest margin | 2.9827% | 6,645 |
| Noninterest income to average assets | 1.0463% | 1,455 |
| Noninterest expense to average assets | 3.9821% | 1,300 |
| Loan and lease loss provision to assets | 0.9269% | 2,077 |
| Net operating income to assets | -0.7693% | 6,662 |
| Return on assets (ROA) | -0.6934% | 6,610 |
| Pretax return on assets | -1.0177% | 6,704 |
| Return on Equity (ROE) | -8.2877% | 6,755 |
| Retained earnings to average equity (ytd only) | -8.2877% | 6,632 |
| Net charge-offs to loans | 0.3559% | 3,867 |
| Credit loss provision to net charge-offs | 307.9741% | 1,340 |
| Earnings coverage of net charge-offs (x) | -0.6724% | 6,554 |
| Efficiency ratio | 105.3544% | 876 |
| Assets per employee ($millions) | 3.1807% | 5,697 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5284% | 3,287 |
| Loan loss allowance to noncurrent loans | 50.7958% | 4,931 |
| Noncurrent assets plus other real estate owned to assets | 2.8465% | 2,443 |
| Noncurrent loans to loans | 3.0089% | 2,511 |
| Net loans and leases to total assets | 83.1126% | 655 |
| Net loans and leases to deposits | 120.4115% | 197 |
| Net loans and leases to core deposits | 152.1538% | 537 |
| Total domestic deposits to total assets | 69.0238% | 7,494 |
| Equity capital to assets | 8.8469% | 5,717 |
| Core capital (leverage) ratio | 7.9711% | 6,409 |
| Tier 1 risk-based capital ratio | 9.6218% | 7,294 |
| Total risk-based capital ratio | 10.8716% | 7,254 |
| Memoranda: | ||
| Average total assets | $205,549,000 | 3,136 |
| Average earning assets | $188,373,000 | 3,132 |
| Average equity | $17,197,750 | 3,663 |
| Average total loans | $173,850,000 | 2,616 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7650% | 3,220 |
| Cost of funding earning assets | 2.8857% | 632 |
| Net interest margin | 2.8794% | 6,848 |
| Noninterest income to average assets | 1.0807% | 1,364 |
| Noninterest expense to average assets | 4.2621% | 998 |
| Loan and lease loss provision to assets | 1.2679% | 1,350 |
| Net operating income to assets | -1.2264% | 7,128 |
| Return on assets (ROA) | -1.2264% | 7,136 |
| Pretax return on assets | -1.8112% | 7,218 |
| Return on Equity (ROE) | -14.9345% | 7,323 |
| Retained earnings to average equity (ytd only) | -14.9345% | 7,230 |
| Net charge-offs to loans | 1.1766% | 1,553 |
| Credit loss provision to net charge-offs | 127.3256% | 3,656 |
| Earnings coverage of net charge-offs (x) | -0.5455% | 6,096 |
| Efficiency ratio | 114.6082% | 758 |
| Assets per employee ($millions) | 3.0528% | 5,993 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0976% | 5,623 |
| Loan loss allowance to noncurrent loans | 32.7988% | 6,273 |
| Noncurrent assets plus other real estate owned to assets | 3.0517% | 2,074 |
| Noncurrent loans to loans | 3.3464% | 2,103 |
| Net loans and leases to total assets | 83.7933% | 666 |
| Net loans and leases to deposits | 118.9151% | 258 |
| Net loans and leases to core deposits | 154.1374% | 556 |
| Total domestic deposits to total assets | 70.4648% | 7,423 |
| Equity capital to assets | 8.1838% | 6,516 |
| Core capital (leverage) ratio | 7.5715% | 6,935 |
| Tier 1 risk-based capital ratio | 9.4386% | 7,445 |
| Total risk-based capital ratio | 10.6056% | 7,487 |
| Memoranda: | ||
| Average total assets | $207,270,000 | 3,137 |
| Average earning assets | $189,903,000 | 3,142 |
| Average equity | $17,021,000 | 3,708 |
| Average total loans | $175,423,000 | 2,634 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6861% | 3,874 |
| Cost of funding earning assets | 2.8671% | 836 |
| Net interest margin | 2.8189% | 6,955 |
| Noninterest income to average assets | 0.9682% | 1,576 |
| Noninterest expense to average assets | 3.5449% | 1,989 |
| Loan and lease loss provision to assets | 1.3593% | 943 |
| Net operating income to assets | -0.8450% | 7,151 |
| Return on assets (ROA) | -0.8340% | 7,179 |
| Pretax return on assets | -1.3382% | 7,319 |
| Return on Equity (ROE) | -10.1387% | 7,375 |
| Retained earnings to average equity (ytd only) | -10.1387% | 7,129 |
| Net charge-offs to loans | 1.4755% | 978 |
| Credit loss provision to net charge-offs | 108.9094% | 3,534 |
| Earnings coverage of net charge-offs (x) | 0.0031% | 4,973 |
| Efficiency ratio | 99.8920% | 1,133 |
| Assets per employee ($millions) | 3.1401% | 5,772 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9492% | 6,495 |
| Loan loss allowance to noncurrent loans | 24.6439% | 6,932 |
| Noncurrent assets plus other real estate owned to assets | 3.2855% | 1,673 |
| Noncurrent loans to loans | 3.8516% | 1,592 |
| Net loans and leases to total assets | 84.4913% | 623 |
| Net loans and leases to deposits | 130.5587% | 143 |
| Net loans and leases to core deposits | 164.6581% | 425 |
| Total domestic deposits to total assets | 64.7152% | 7,809 |
| Equity capital to assets | 8.2120% | 6,522 |
| Core capital (leverage) ratio | 8.1322% | 6,223 |
| Tier 1 risk-based capital ratio | 10.0907% | 6,817 |
| Total risk-based capital ratio | 11.0962% | 6,994 |
| Memoranda: | ||
| Average total assets | $208,635,500 | 3,130 |
| Average earning assets | $190,993,500 | 3,139 |
| Average equity | $17,162,000 | 3,703 |
| Average total loans | $176,488,500 | 2,636 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3355% | 3,760 |
| Cost of funding earning assets | 3.4320% | 646 |
| Net interest margin | 2.9034% | 7,150 |
| Noninterest income to average assets | 0.9832% | 1,635 |
| Noninterest expense to average assets | 3.6798% | 1,990 |
| Loan and lease loss provision to assets | 0.8013% | 1,851 |
| Net operating income to assets | -0.5668% | 6,976 |
| Return on assets (ROA) | -0.5894% | 6,885 |
| Pretax return on assets | -0.8645% | 6,920 |
| Return on Equity (ROE) | -6.8632% | 7,034 |
| Retained earnings to average equity (ytd only) | -6.8632% | 6,766 |
| Net charge-offs to loans | 0.6808% | 1,809 |
| Credit loss provision to net charge-offs | 141.5945% | 3,743 |
| Earnings coverage of net charge-offs (x) | -0.0529% | 6,284 |
| Efficiency ratio | 100.8196% | 950 |
| Assets per employee ($millions) | 3.1347% | 5,667 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9189% | 6,573 |
| Loan loss allowance to noncurrent loans | 152.1617% | 2,430 |
| Noncurrent assets plus other real estate owned to assets | 0.5066% | 5,664 |
| Noncurrent loans to loans | 0.6039% | 5,562 |
| Net loans and leases to total assets | 83.1211% | 1,024 |
| Net loans and leases to deposits | 134.6538% | 158 |
| Net loans and leases to core deposits | 168.0716% | 439 |
| Total domestic deposits to total assets | 61.7295% | 7,899 |
| Equity capital to assets | 8.2395% | 6,495 |
| Core capital (leverage) ratio | 8.2144% | 6,139 |
| Tier 1 risk-based capital ratio | 10.4125% | 6,300 |
| Total risk-based capital ratio | 11.3900% | 6,450 |
| Memoranda: | ||
| Average total assets | $203,924,800 | 3,089 |
| Average earning assets | $187,295,000 | 3,078 |
| Average equity | $17,513,800 | 3,642 |
| Average total loans | $169,502,200 | 2,622 |