Home > Greater Community Bank > Performance and Condition Ratios
Greater Community Bank, Performance and Condition Ratios
| 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 | 5.5994% | 911 |
| Cost of funding earning assets | 1.1803% | 2,491 |
| Net interest margin | 4.4190% | 686 |
| Noninterest income to average assets | 0.7400% | 1,065 |
| Noninterest expense to average assets | 5.1989% | 217 |
| Loan and lease loss provision to assets | 0.7200% | 99 |
| Net operating income to assets | -1.0268% | 4,572 |
| Return on assets (ROA) | -1.0393% | 4,567 |
| Pretax return on assets | -1.0393% | 4,557 |
| Return on Equity (ROE) | -11.3000% | 4,547 |
| Retained earnings to average equity (ytd only) | -38.4084% | 4,580 |
| Net charge-offs to loans | 0.0919% | 833 |
| Credit loss provision to net charge-offs | 1,102.5641% | 385 |
| Earnings coverage of net charge-offs (x) | -4.7949% | 4,582 |
| Efficiency ratio | 106.3670% | 121 |
| Assets per employee ($millions) | 7.0055% | 1,961 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9874% | 394 |
| Loan loss allowance to noncurrent loans | 510.7181% | 1,444 |
| Noncurrent assets plus other real estate owned to assets | 0.2895% | 1,845 |
| Noncurrent loans to loans | 0.3891% | 1,856 |
| Net loans and leases to total assets | 72.9200% | 1,475 |
| Net loans and leases to deposits | 88.0444% | 1,384 |
| Net loans and leases to core deposits | 99.3258% | 1,353 |
| Total domestic deposits to total assets | 82.8200% | 3,044 |
| Equity capital to assets | 7.1550% | 3,538 |
| Core capital (leverage) ratio | 7.8262% | 4,438 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5563% | 2,715 |
| Memoranda: | ||
| Average total assets | $320,468,500 | 2,317 |
| Average earning assets | $300,812,750 | 2,304 |
| Average equity | $29,468,500 | 2,274 |
| Average total loans | $226,370,500 | 2,122 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1390% | 1,305 |
| Cost of funding earning assets | 0.7678% | 3,305 |
| Net interest margin | 4.3712% | 731 |
| Noninterest income to average assets | 0.5700% | 1,585 |
| Noninterest expense to average assets | 3.4789% | 551 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.2105% | 1,805 |
| Return on assets (ROA) | 1.1917% | 1,842 |
| Pretax return on assets | 1.1917% | 2,383 |
| Return on Equity (ROE) | 12.0600% | 2,139 |
| Retained earnings to average equity (ytd only) | 2.1705% | 3,681 |
| Net charge-offs to loans | 0.1397% | 545 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 12.4903% | 1,937 |
| Efficiency ratio | 74.1867% | 1,326 |
| Assets per employee ($millions) | 7.5516% | 1,577 |
| Cash dividends to net income (ytd only)* | 82.0042% | 518 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3210% | 1,837 |
| Loan loss allowance to noncurrent loans | 2,100.6897% | 539 |
| Noncurrent assets plus other real estate owned to assets | 0.0409% | 3,367 |
| Noncurrent loans to loans | 0.0629% | 3,251 |
| Net loans and leases to total assets | 64.1100% | 2,370 |
| Net loans and leases to deposits | 81.4911% | 1,873 |
| Net loans and leases to core deposits | 86.1665% | 2,060 |
| Total domestic deposits to total assets | 78.6700% | 3,763 |
| Equity capital to assets | 8.9883% | 2,518 |
| Core capital (leverage) ratio | 11.5114% | 1,613 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1159% | 1,541 |
| Memoranda: | ||
| Average total assets | $319,874,000 | 2,329 |
| Average earning assets | $301,382,333 | 2,303 |
| Average equity | $31,605,667 | 2,197 |
| Average total loans | $221,907,333 | 2,144 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2244% | 923 |
| Cost of funding earning assets | 0.4278% | 3,894 |
| Net interest margin | 4.7966% | 373 |
| Noninterest income to average assets | 0.6700% | 1,193 |
| Noninterest expense to average assets | 3.9782% | 359 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.1814% | 1,986 |
| Return on assets (ROA) | 1.1417% | 2,060 |
| Pretax return on assets | 1.1417% | 2,593 |
| Return on Equity (ROE) | 10.9700% | 2,499 |
| Retained earnings to average equity (ytd only) | -8.9009% | 4,452 |
| Net charge-offs to loans | 0.0276% | 1,140 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 59.5333% | 1,024 |
| Efficiency ratio | 77.1026% | 1,077 |
| Assets per employee ($millions) | 6.3156% | 2,489 |
| Cash dividends to net income (ytd only)* | 181.1124% | 177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4367% | 1,471 |
| Loan loss allowance to noncurrent loans | 1,385.2174% | 775 |
| Noncurrent assets plus other real estate owned to assets | 0.0759% | 3,044 |
| Noncurrent loans to loans | 0.1037% | 3,020 |
| Net loans and leases to total assets | 72.1000% | 1,416 |
| Net loans and leases to deposits | 89.3409% | 1,102 |
| Net loans and leases to core deposits | 94.4210% | 1,364 |
| Total domestic deposits to total assets | 80.7000% | 3,679 |
| Equity capital to assets | 10.3945% | 1,616 |
| Core capital (leverage) ratio | 11.4531% | 1,588 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0081% | 1,623 |
| Memoranda: | ||
| Average total assets | $302,347,500 | 2,458 |
| Average earning assets | $283,284,000 | 2,437 |
| Average equity | $31,457,500 | 2,233 |
| Average total loans | $217,571,500 | 2,187 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3897% | 902 |
| Cost of funding earning assets | 0.1451% | 4,150 |
| Net interest margin | 4.2446% | 475 |
| Noninterest income to average assets | 0.7500% | 1,126 |
| Noninterest expense to average assets | 3.2911% | 630 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.4266% | 1,059 |
| Return on assets (ROA) | 1.4266% | 1,024 |
| Pretax return on assets | 1.4266% | 1,696 |
| Return on Equity (ROE) | 14.7700% | 1,320 |
| Retained earnings to average equity (ytd only) | 6.5910% | 2,412 |
| Net charge-offs to loans | 0.0349% | 1,382 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 62.7534% | 1,224 |
| Efficiency ratio | 69.7604% | 1,720 |
| Assets per employee ($millions) | 6.0309% | 2,738 |
| Cash dividends to net income (ytd only)* | 55.3809% | 1,153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5001% | 1,199 |
| Loan loss allowance to noncurrent loans | 5,820.0000% | 260 |
| Noncurrent assets plus other real estate owned to assets | 0.0182% | 3,664 |
| Noncurrent loans to loans | 0.0258% | 3,609 |
| Net loans and leases to total assets | 69.7000% | 1,662 |
| Net loans and leases to deposits | 80.6668% | 1,725 |
| Net loans and leases to core deposits | 83.3194% | 1,910 |
| Total domestic deposits to total assets | 86.4100% | 2,599 |
| Equity capital to assets | 10.4144% | 1,492 |
| Core capital (leverage) ratio | 11.4251% | 1,555 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6906% | 1,436 |
| Memoranda: | ||
| Average total assets | $321,113,200 | 2,346 |
| Average earning assets | $299,790,400 | 2,335 |
| Average equity | $31,012,000 | 2,293 |
| Average total loans | $209,420,400 | 2,169 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1811% | 924 |
| Cost of funding earning assets | 0.1328% | 4,010 |
| Net interest margin | 4.0483% | 579 |
| Noninterest income to average assets | 0.8100% | 1,010 |
| Noninterest expense to average assets | 3.1222% | 756 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.4650% | 921 |
| Return on assets (ROA) | 1.4650% | 905 |
| Pretax return on assets | 1.4650% | 1,513 |
| Return on Equity (ROE) | 15.4500% | 1,090 |
| Retained earnings to average equity (ytd only) | 4.5070% | 3,282 |
| Net charge-offs to loans | 0.0243% | 1,344 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 94.2632% | 973 |
| Efficiency ratio | 68.0635% | 2,017 |
| Assets per employee ($millions) | 6.1916% | 2,583 |
| Cash dividends to net income (ytd only)* | 70.8264% | 603 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5223% | 1,237 |
| Loan loss allowance to noncurrent loans | 3,677.2727% | 357 |
| Noncurrent assets plus other real estate owned to assets | 0.0273% | 3,657 |
| Noncurrent loans to loans | 0.0414% | 3,593 |
| Net loans and leases to total assets | 65.0200% | 1,980 |
| Net loans and leases to deposits | 72.7513% | 2,153 |
| Net loans and leases to core deposits | 75.6764% | 2,223 |
| Total domestic deposits to total assets | 89.3700% | 1,929 |
| Equity capital to assets | 9.4771% | 1,898 |
| Core capital (leverage) ratio | 10.5070% | 2,111 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2379% | 1,639 |
| Memoranda: | ||
| Average total assets | $326,005,500 | 2,338 |
| Average earning assets | $304,121,250 | 2,332 |
| Average equity | $30,914,000 | 2,327 |
| Average total loans | $208,430,500 | 2,181 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9478% | 1,031 |
| Cost of funding earning assets | 0.1383% | 3,732 |
| Net interest margin | 3.8095% | 739 |
| Noninterest income to average assets | 0.8260% | 989 |
| Noninterest expense to average assets | 3.0939% | 739 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.2824% | 1,190 |
| Return on assets (ROA) | 1.2824% | 1,171 |
| Pretax return on assets | 1.2824% | 1,805 |
| Return on Equity (ROE) | 13.5211% | 1,237 |
| Retained earnings to average equity (ytd only) | -2.8215% | 4,443 |
| Net charge-offs to loans | 0.0203% | 1,330 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 99.9524% | 816 |
| Efficiency ratio | 70.6966% | 1,864 |
| Assets per employee ($millions) | 6.3490% | 2,438 |
| Cash dividends to net income (ytd only)* | 120.8671% | 232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4869% | 1,448 |
| Loan loss allowance to noncurrent loans | 2,562.2047% | 441 |
| Noncurrent assets plus other real estate owned to assets | 0.0392% | 3,588 |
| Noncurrent loans to loans | 0.0580% | 3,515 |
| Net loans and leases to total assets | 66.5796% | 1,623 |
| Net loans and leases to deposits | 74.2464% | 1,842 |
| Net loans and leases to core deposits | 76.6821% | 1,959 |
| Total domestic deposits to total assets | 89.6738% | 1,858 |
| Equity capital to assets | 9.3573% | 2,124 |
| Core capital (leverage) ratio | 9.8121% | 2,595 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4856% | 1,872 |
| Memoranda: | ||
| Average total assets | $327,352,667 | 2,340 |
| Average earning assets | $305,079,333 | 2,351 |
| Average equity | $31,047,667 | 2,369 |
| Average total loans | $207,051,000 | 2,184 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7460% | 1,184 |
| Cost of funding earning assets | 0.1526% | 3,475 |
| Net interest margin | 3.5934% | 906 |
| Noninterest income to average assets | 0.8690% | 893 |
| Noninterest expense to average assets | 3.0177% | 794 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.2007% | 1,246 |
| Return on assets (ROA) | 1.2007% | 1,238 |
| Pretax return on assets | 1.2007% | 1,816 |
| Return on Equity (ROE) | 12.5772% | 1,134 |
| Retained earnings to average equity (ytd only) | -19.7187% | 4,696 |
| Net charge-offs to loans | -0.0298% | 4,084 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5356% | 2,038 |
| Assets per employee ($millions) | 6.4199% | 2,437 |
| Cash dividends to net income (ytd only)* | 256.7814% | 138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6033% | 1,264 |
| Loan loss allowance to noncurrent loans | 1,178.8530% | 813 |
| Noncurrent assets plus other real estate owned to assets | 0.0836% | 3,240 |
| Noncurrent loans to loans | 0.1360% | 3,132 |
| Net loans and leases to total assets | 60.4644% | 2,015 |
| Net loans and leases to deposits | 67.0839% | 2,235 |
| Net loans and leases to core deposits | 69.5643% | 2,329 |
| Total domestic deposits to total assets | 90.1325% | 1,487 |
| Equity capital to assets | 9.0351% | 2,680 |
| Core capital (leverage) ratio | 9.5343% | 2,759 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9117% | 1,828 |
| Memoranda: | ||
| Average total assets | $329,129,500 | 2,346 |
| Average earning assets | $306,781,500 | 2,354 |
| Average equity | $31,422,000 | 2,414 |
| Average total loans | $201,157,500 | 2,221 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1462% | 1,089 |
| Cost of funding earning assets | 0.3606% | 1,852 |
| Net interest margin | 3.7856% | 1,040 |
| Noninterest income to average assets | 1.2317% | 704 |
| Noninterest expense to average assets | 3.2641% | 664 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.4661% | 1,090 |
| Return on assets (ROA) | 1.5482% | 952 |
| Pretax return on assets | 1.5482% | 1,575 |
| Return on Equity (ROE) | 15.8594% | 778 |
| Retained earnings to average equity (ytd only) | 9.7392% | 982 |
| Net charge-offs to loans | 0.0738% | 1,052 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 29.3487% | 1,620 |
| Efficiency ratio | 69.0058% | 1,859 |
| Assets per employee ($millions) | 6.1212% | 2,641 |
| Cash dividends to net income (ytd only)* | 38.5905% | 2,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6604% | 1,142 |
| Loan loss allowance to noncurrent loans | 2,640.3226% | 422 |
| Noncurrent assets plus other real estate owned to assets | 0.0382% | 3,745 |
| Noncurrent loans to loans | 0.0629% | 3,633 |
| Net loans and leases to total assets | 59.7677% | 2,181 |
| Net loans and leases to deposits | 67.4733% | 2,360 |
| Net loans and leases to core deposits | 70.4545% | 2,404 |
| Total domestic deposits to total assets | 88.5798% | 1,745 |
| Equity capital to assets | 10.0738% | 2,589 |
| Core capital (leverage) ratio | 10.1061% | 2,263 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9988% | 1,513 |
| Memoranda: | ||
| Average total assets | $304,284,400 | 2,415 |
| Average earning assets | $281,196,400 | 2,432 |
| Average equity | $29,704,800 | 2,551 |
| Average total loans | $206,096,200 | 2,197 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1870% | 1,129 |
| Cost of funding earning assets | 0.3281% | 2,321 |
| Net interest margin | 3.8589% | 1,009 |
| Noninterest income to average assets | 1.3041% | 692 |
| Noninterest expense to average assets | 3.2378% | 671 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.6240% | 974 |
| Return on assets (ROA) | 1.6240% | 1,020 |
| Pretax return on assets | 1.6240% | 1,630 |
| Return on Equity (ROE) | 16.7811% | 803 |
| Retained earnings to average equity (ytd only) | 8.4112% | 1,905 |
| Net charge-offs to loans | 0.0576% | 1,070 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 40.5000% | 1,362 |
| Efficiency ratio | 66.5964% | 2,021 |
| Assets per employee ($millions) | 6.1377% | 2,558 |
| Cash dividends to net income (ytd only)* | 49.8765% | 1,199 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6161% | 1,299 |
| Loan loss allowance to noncurrent loans | 2,586.0465% | 385 |
| Noncurrent assets plus other real estate owned to assets | 0.0404% | 3,887 |
| Noncurrent loans to loans | 0.0625% | 3,785 |
| Net loans and leases to total assets | 63.6311% | 1,821 |
| Net loans and leases to deposits | 73.7954% | 1,879 |
| Net loans and leases to core deposits | 77.2495% | 1,940 |
| Total domestic deposits to total assets | 86.2263% | 2,654 |
| Equity capital to assets | 10.0113% | 2,891 |
| Core capital (leverage) ratio | 10.0971% | 2,397 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9909% | 1,617 |
| Memoranda: | ||
| Average total assets | $299,249,000 | 2,463 |
| Average earning assets | $275,895,000 | 2,475 |
| Average equity | $28,960,500 | 2,626 |
| Average total loans | $208,326,250 | 2,213 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2110% | 1,169 |
| Cost of funding earning assets | 0.3514% | 2,308 |
| Net interest margin | 3.8596% | 1,046 |
| Noninterest income to average assets | 1.5495% | 518 |
| Noninterest expense to average assets | 3.2794% | 635 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.8208% | 682 |
| Return on assets (ROA) | 1.8208% | 717 |
| Pretax return on assets | 1.8208% | 1,188 |
| Return on Equity (ROE) | 19.0535% | 539 |
| Retained earnings to average equity (ytd only) | 6.0508% | 2,780 |
| Net charge-offs to loans | 0.0440% | 1,194 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 57.9130% | 984 |
| Efficiency ratio | 64.2991% | 2,386 |
| Assets per employee ($millions) | 5.8687% | 2,743 |
| Cash dividends to net income (ytd only)* | 68.2432% | 724 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6267% | 1,217 |
| Loan loss allowance to noncurrent loans | 974.0634% | 751 |
| Noncurrent assets plus other real estate owned to assets | 0.1137% | 3,474 |
| Noncurrent loans to loans | 0.1670% | 3,380 |
| Net loans and leases to total assets | 66.9787% | 1,585 |
| Net loans and leases to deposits | 78.1937% | 1,598 |
| Net loans and leases to core deposits | 82.0550% | 1,719 |
| Total domestic deposits to total assets | 85.6575% | 2,853 |
| Equity capital to assets | 10.1461% | 2,725 |
| Core capital (leverage) ratio | 10.3071% | 2,108 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6761% | 1,423 |
| Memoranda: | ||
| Average total assets | $292,612,000 | 2,485 |
| Average earning assets | $269,201,333 | 2,510 |
| Average equity | $27,963,333 | 2,679 |
| Average total loans | $208,961,333 | 2,216 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1445% | 1,294 |
| Cost of funding earning assets | 0.3853% | 2,216 |
| Net interest margin | 3.7592% | 1,219 |
| Noninterest income to average assets | 0.7530% | 1,699 |
| Noninterest expense to average assets | 3.0035% | 984 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.2112% | 2,101 |
| Return on assets (ROA) | 1.2112% | 2,188 |
| Pretax return on assets | 1.2112% | 2,819 |
| Return on Equity (ROE) | 13.1048% | 1,646 |
| Retained earnings to average equity (ytd only) | -14.3745% | 4,873 |
| Net charge-offs to loans | 0.0325% | 1,159 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 51.0000% | 889 |
| Efficiency ratio | 71.2628% | 1,573 |
| Assets per employee ($millions) | 5.5471% | 3,071 |
| Cash dividends to net income (ytd only)* | 209.6886% | 105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6242% | 1,231 |
| Loan loss allowance to noncurrent loans | 3,665.5914% | 237 |
| Noncurrent assets plus other real estate owned to assets | 0.0409% | 4,081 |
| Noncurrent loans to loans | 0.0443% | 4,070 |
| Net loans and leases to total assets | 71.5834% | 1,084 |
| Net loans and leases to deposits | 82.7289% | 1,273 |
| Net loans and leases to core deposits | 86.9124% | 1,462 |
| Total domestic deposits to total assets | 86.5277% | 2,514 |
| Equity capital to assets | 9.3718% | 3,309 |
| Core capital (leverage) ratio | 9.5861% | 2,953 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6894% | 1,674 |
| Memoranda: | ||
| Average total assets | $286,333,000 | 2,509 |
| Average earning assets | $263,674,000 | 2,530 |
| Average equity | $26,463,500 | 2,771 |
| Average total loans | $209,552,500 | 2,215 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2936% | 268 |
| Cost of funding earning assets | 0.7089% | 1,676 |
| Net interest margin | 4.5847% | 274 |
| Noninterest income to average assets | 0.8751% | 1,334 |
| Noninterest expense to average assets | 3.1014% | 1,227 |
| Loan and lease loss provision to assets | 0.7214% | 212 |
| Net operating income to assets | 1.2768% | 1,317 |
| Return on assets (ROA) | 1.2768% | 1,415 |
| Pretax return on assets | 1.2768% | 2,058 |
| Return on Equity (ROE) | 13.9708% | 820 |
| Retained earnings to average equity (ytd only) | 9.8605% | 615 |
| Net charge-offs to loans | 0.2126% | 818 |
| Credit loss provision to net charge-offs | 438.6946% | 1,354 |
| Earnings coverage of net charge-offs (x) | 12.1515% | 2,353 |
| Efficiency ratio | 60.8163% | 3,348 |
| Assets per employee ($millions) | 5.8003% | 2,545 |
| Cash dividends to net income (ytd only)* | 29.4206% | 2,878 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6376% | 1,201 |
| Loan loss allowance to noncurrent loans | 2,953.4483% | 300 |
| Noncurrent assets plus other real estate owned to assets | 0.0496% | 4,090 |
| Noncurrent loans to loans | 0.0554% | 4,070 |
| Net loans and leases to total assets | 72.4054% | 1,240 |
| Net loans and leases to deposits | 87.1672% | 1,160 |
| Net loans and leases to core deposits | 91.9903% | 1,384 |
| Total domestic deposits to total assets | 83.0649% | 3,392 |
| Equity capital to assets | 9.1107% | 3,963 |
| Core capital (leverage) ratio | 9.5082% | 3,107 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8712% | 1,897 |
| Memoranda: | ||
| Average total assets | $260,880,400 | 2,512 |
| Average earning assets | $240,385,600 | 2,526 |
| Average equity | $23,842,600 | 2,882 |
| Average total loans | $201,754,400 | 2,220 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5029% | 229 |
| Cost of funding earning assets | 0.7815% | 1,583 |
| Net interest margin | 4.7214% | 246 |
| Noninterest income to average assets | 0.8600% | 1,329 |
| Noninterest expense to average assets | 3.2976% | 909 |
| Loan and lease loss provision to assets | 0.7728% | 250 |
| Net operating income to assets | 1.1386% | 1,857 |
| Return on assets (ROA) | 1.1386% | 1,972 |
| Pretax return on assets | 1.1386% | 2,608 |
| Return on Equity (ROE) | 12.4473% | 1,262 |
| Retained earnings to average equity (ytd only) | 6.8466% | 1,764 |
| Net charge-offs to loans | 0.1994% | 765 |
| Credit loss provision to net charge-offs | 494.3144% | 1,298 |
| Earnings coverage of net charge-offs (x) | 12.2274% | 2,256 |
| Efficiency ratio | 63.3079% | 2,862 |
| Assets per employee ($millions) | 5.8903% | 2,360 |
| Cash dividends to net income (ytd only)* | 44.9954% | 1,720 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4113% | 1,694 |
| Loan loss allowance to noncurrent loans | 2,789.3805% | 263 |
| Noncurrent assets plus other real estate owned to assets | 0.0541% | 4,171 |
| Noncurrent loans to loans | 0.0506% | 4,170 |
| Net loans and leases to total assets | 77.8762% | 843 |
| Net loans and leases to deposits | 98.2793% | 608 |
| Net loans and leases to core deposits | 104.8876% | 886 |
| Total domestic deposits to total assets | 79.2397% | 4,016 |
| Equity capital to assets | 8.7542% | 4,291 |
| Core capital (leverage) ratio | 9.1945% | 3,561 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1618% | 2,126 |
| Memoranda: | ||
| Average total assets | $255,046,750 | 2,531 |
| Average earning assets | $234,924,500 | 2,543 |
| Average equity | $23,329,750 | 2,916 |
| Average total loans | $199,889,750 | 2,235 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6034% | 277 |
| Cost of funding earning assets | 0.8700% | 1,496 |
| Net interest margin | 4.7335% | 313 |
| Noninterest income to average assets | 0.7558% | 1,562 |
| Noninterest expense to average assets | 3.3716% | 893 |
| Loan and lease loss provision to assets | 0.7957% | 310 |
| Net operating income to assets | 0.9357% | 2,555 |
| Return on assets (ROA) | 0.9357% | 2,687 |
| Pretax return on assets | 0.9357% | 3,214 |
| Return on Equity (ROE) | 10.0630% | 1,958 |
| Retained earnings to average equity (ytd only) | 1.4876% | 3,942 |
| Net charge-offs to loans | 0.2405% | 652 |
| Credit loss provision to net charge-offs | 423.3766% | 1,356 |
| Earnings coverage of net charge-offs (x) | 9.2121% | 2,238 |
| Efficiency ratio | 66.0714% | 2,507 |
| Assets per employee ($millions) | 6.0246% | 2,165 |
| Cash dividends to net income (ytd only)* | 85.2174% | 676 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2455% | 2,279 |
| Loan loss allowance to noncurrent loans | 1,271.0280% | 457 |
| Noncurrent assets plus other real estate owned to assets | 0.0897% | 4,081 |
| Noncurrent loans to loans | 0.0980% | 4,060 |
| Net loans and leases to total assets | 76.1629% | 1,112 |
| Net loans and leases to deposits | 95.7064% | 822 |
| Net loans and leases to core deposits | 102.9030% | 1,069 |
| Total domestic deposits to total assets | 79.5797% | 3,921 |
| Equity capital to assets | 8.2008% | 4,636 |
| Core capital (leverage) ratio | 9.1533% | 3,734 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8448% | 2,245 |
| Memoranda: | ||
| Average total assets | $245,818,333 | 2,567 |
| Average earning assets | $225,754,000 | 2,586 |
| Average equity | $22,856,000 | 2,940 |
| Average total loans | $192,075,333 | 2,282 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6019% | 297 |
| Cost of funding earning assets | 1.0268% | 1,309 |
| Net interest margin | 4.5751% | 431 |
| Noninterest income to average assets | 0.8417% | 1,186 |
| Noninterest expense to average assets | 3.4567% | 998 |
| Loan and lease loss provision to assets | 0.8417% | 283 |
| Net operating income to assets | 0.7097% | 3,242 |
| Return on assets (ROA) | 0.7097% | 3,321 |
| Pretax return on assets | 0.7097% | 3,655 |
| Return on Equity (ROE) | 7.1096% | 2,899 |
| Retained earnings to average equity (ytd only) | -10.1793% | 4,771 |
| Net charge-offs to loans | 0.2258% | 626 |
| Credit loss provision to net charge-offs | 473.2673% | 914 |
| Earnings coverage of net charge-offs (x) | 8.7228% | 1,853 |
| Efficiency ratio | 69.0225% | 2,506 |
| Assets per employee ($millions) | 4.8706% | 2,789 |
| Cash dividends to net income (ytd only)* | 243.1762% | 217 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2984% | 2,164 |
| Loan loss allowance to noncurrent loans | 836.2989% | 637 |
| Noncurrent assets plus other real estate owned to assets | 0.2765% | 3,347 |
| Noncurrent loans to loans | 0.1553% | 3,902 |
| Net loans and leases to total assets | 78.0386% | 979 |
| Net loans and leases to deposits | 95.5418% | 959 |
| Net loans and leases to core deposits | 104.4042% | 1,159 |
| Total domestic deposits to total assets | 81.6801% | 3,502 |
| Equity capital to assets | 9.7825% | 3,971 |
| Core capital (leverage) ratio | 9.8761% | 3,579 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9330% | 2,739 |
| Memoranda: | ||
| Average total assets | $227,150,000 | 2,653 |
| Average earning assets | $206,858,500 | 2,687 |
| Average equity | $22,673,500 | 2,951 |
| Average total loans | $178,923,500 | 2,371 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7158% | 384 |
| Cost of funding earning assets | 1.1531% | 1,150 |
| Net interest margin | 4.5627% | 621 |
| Noninterest income to average assets | 0.7086% | 1,783 |
| Noninterest expense to average assets | 3.2633% | 1,379 |
| Loan and lease loss provision to assets | 0.2733% | 658 |
| Net operating income to assets | 1.3151% | 1,632 |
| Return on assets (ROA) | 1.3151% | 1,711 |
| Pretax return on assets | 1.3151% | 2,454 |
| Return on Equity (ROE) | 13.1503% | 1,128 |
| Retained earnings to average equity (ytd only) | 9.2817% | 644 |
| Net charge-offs to loans | 0.1523% | 1,304 |
| Credit loss provision to net charge-offs | 232.7935% | 1,153 |
| Earnings coverage of net charge-offs (x) | 13.5304% | 2,353 |
| Efficiency ratio | 67.2610% | 2,569 |
| Assets per employee ($millions) | 5.1223% | 2,431 |
| Cash dividends to net income (ytd only)* | 29.4181% | 3,105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1156% | 2,850 |
| Loan loss allowance to noncurrent loans | 630.3514% | 816 |
| Noncurrent assets plus other real estate owned to assets | 0.2951% | 3,256 |
| Noncurrent loans to loans | 0.1770% | 3,827 |
| Net loans and leases to total assets | 77.5925% | 1,139 |
| Net loans and leases to deposits | 93.8292% | 1,172 |
| Net loans and leases to core deposits | 102.6755% | 1,341 |
| Total domestic deposits to total assets | 82.6954% | 3,307 |
| Equity capital to assets | 10.1841% | 3,746 |
| Core capital (leverage) ratio | 10.3490% | 3,140 |
| Tier 1 risk-based capital ratio | 12.2921% | 4,190 |
| Total risk-based capital ratio | 13.3508% | 4,186 |
| Memoranda: | ||
| Average total assets | $210,402,200 | 2,752 |
| Average earning assets | $191,049,000 | 2,788 |
| Average equity | $21,041,400 | 3,037 |
| Average total loans | $162,154,200 | 2,486 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7333% | 395 |
| Cost of funding earning assets | 1.1593% | 1,142 |
| Net interest margin | 4.5740% | 651 |
| Noninterest income to average assets | 0.7007% | 1,780 |
| Noninterest expense to average assets | 3.3259% | 1,213 |
| Loan and lease loss provision to assets | 0.1794% | 1,020 |
| Net operating income to assets | 1.3497% | 1,645 |
| Return on assets (ROA) | 1.3497% | 1,715 |
| Pretax return on assets | 1.3497% | 2,497 |
| Return on Equity (ROE) | 13.5641% | 1,089 |
| Retained earnings to average equity (ytd only) | 8.2863% | 1,287 |
| Net charge-offs to loans | 0.1245% | 1,267 |
| Credit loss provision to net charge-offs | 187.8378% | 1,390 |
| Earnings coverage of net charge-offs (x) | 16.0134% | 2,154 |
| Efficiency ratio | 68.5050% | 2,339 |
| Assets per employee ($millions) | 5.3840% | 2,140 |
| Cash dividends to net income (ytd only)* | 38.9103% | 2,206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0721% | 3,164 |
| Loan loss allowance to noncurrent loans | 546.1538% | 910 |
| Noncurrent assets plus other real estate owned to assets | 0.3126% | 3,294 |
| Noncurrent loans to loans | 0.1963% | 3,833 |
| Net loans and leases to total assets | 74.1984% | 1,773 |
| Net loans and leases to deposits | 89.5951% | 1,747 |
| Net loans and leases to core deposits | 98.0485% | 1,822 |
| Total domestic deposits to total assets | 82.8152% | 3,224 |
| Equity capital to assets | 9.8540% | 4,156 |
| Core capital (leverage) ratio | 10.1511% | 3,476 |
| Tier 1 risk-based capital ratio | 12.3503% | 4,227 |
| Total risk-based capital ratio | 13.3596% | 4,257 |
| Memoranda: | ||
| Average total assets | $206,657,750 | 2,807 |
| Average earning assets | $187,694,750 | 2,842 |
| Average equity | $20,563,500 | 3,106 |
| Average total loans | $158,480,000 | 2,551 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7161% | 389 |
| Cost of funding earning assets | 1.1382% | 1,170 |
| Net interest margin | 4.5779% | 647 |
| Noninterest income to average assets | 0.6516% | 1,909 |
| Noninterest expense to average assets | 3.2858% | 1,309 |
| Loan and lease loss provision to assets | 0.1030% | 1,819 |
| Net operating income to assets | 1.4290% | 1,344 |
| Return on assets (ROA) | 1.4290% | 1,395 |
| Pretax return on assets | 1.4290% | 2,104 |
| Return on Equity (ROE) | 14.3103% | 914 |
| Retained earnings to average equity (ytd only) | 6.2378% | 2,175 |
| Net charge-offs to loans | 0.0307% | 2,242 |
| Credit loss provision to net charge-offs | 433.3333% | 667 |
| Earnings coverage of net charge-offs (x) | 64.4583% | 948 |
| Efficiency ratio | 68.2014% | 2,504 |
| Assets per employee ($millions) | 5.5326% | 1,930 |
| Cash dividends to net income (ytd only)* | 56.4103% | 1,517 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0997% | 3,067 |
| Loan loss allowance to noncurrent loans | 510.3550% | 1,006 |
| Noncurrent assets plus other real estate owned to assets | 0.3344% | 3,196 |
| Noncurrent loans to loans | 0.2155% | 3,769 |
| Net loans and leases to total assets | 73.7878% | 1,927 |
| Net loans and leases to deposits | 89.4797% | 1,804 |
| Net loans and leases to core deposits | 97.0600% | 1,972 |
| Total domestic deposits to total assets | 82.4632% | 3,382 |
| Equity capital to assets | 10.0467% | 3,937 |
| Core capital (leverage) ratio | 10.0507% | 3,536 |
| Tier 1 risk-based capital ratio | 12.7728% | 3,961 |
| Total risk-based capital ratio | 13.8178% | 3,985 |
| Memoranda: | ||
| Average total assets | $201,963,000 | 2,858 |
| Average earning assets | $183,795,330 | 2,882 |
| Average equity | $20,167,330 | 3,133 |
| Average total loans | $156,119,330 | 2,593 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6862% | 370 |
| Cost of funding earning assets | 1.0150% | 1,506 |
| Net interest margin | 4.6712% | 527 |
| Noninterest income to average assets | 0.6632% | 1,762 |
| Noninterest expense to average assets | 3.3545% | 1,182 |
| Loan and lease loss provision to assets | 0.2103% | 747 |
| Net operating income to assets | 1.3325% | 1,588 |
| Return on assets (ROA) | 1.3325% | 1,626 |
| Pretax return on assets | 1.3325% | 2,322 |
| Return on Equity (ROE) | 13.3875% | 1,114 |
| Retained earnings to average equity (ytd only) | -3.1488% | 4,821 |
| Net charge-offs to loans | 0.0591% | 1,449 |
| Credit loss provision to net charge-offs | 452.1739% | 646 |
| Earnings coverage of net charge-offs (x) | 33.1739% | 1,268 |
| Efficiency ratio | 68.4971% | 2,566 |
| Assets per employee ($millions) | 5.3309% | 2,139 |
| Cash dividends to net income (ytd only)* | 123.5205% | 448 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0947% | 3,163 |
| Loan loss allowance to noncurrent loans | 529.4479% | 1,000 |
| Noncurrent assets plus other real estate owned to assets | 0.3867% | 3,037 |
| Noncurrent loans to loans | 0.2068% | 3,846 |
| Net loans and leases to total assets | 75.0051% | 1,640 |
| Net loans and leases to deposits | 90.7778% | 1,532 |
| Net loans and leases to core deposits | 103.0606% | 1,377 |
| Total domestic deposits to total assets | 82.6248% | 3,528 |
| Equity capital to assets | 9.4528% | 4,301 |
| Core capital (leverage) ratio | 10.1924% | 3,393 |
| Tier 1 risk-based capital ratio | 11.8883% | 4,521 |
| Total risk-based capital ratio | 12.9299% | 4,526 |
| Memoranda: | ||
| Average total assets | $197,825,500 | 2,921 |
| Average earning assets | $179,310,000 | 2,956 |
| Average equity | $19,690,000 | 3,187 |
| Average total loans | $155,751,500 | 2,629 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6005% | 334 |
| Cost of funding earning assets | 0.6968% | 2,109 |
| Net interest margin | 4.9037% | 320 |
| Noninterest income to average assets | 0.7126% | 1,802 |
| Noninterest expense to average assets | 3.5080% | 986 |
| Loan and lease loss provision to assets | 0.2778% | 600 |
| Net operating income to assets | 1.3271% | 1,692 |
| Return on assets (ROA) | 1.3271% | 1,683 |
| Pretax return on assets | 1.3271% | 2,408 |
| Return on Equity (ROE) | 12.8190% | 1,413 |
| Retained earnings to average equity (ytd only) | 9.5718% | 719 |
| Net charge-offs to loans | 0.1134% | 1,614 |
| Credit loss provision to net charge-offs | 302.4691% | 1,023 |
| Earnings coverage of net charge-offs (x) | 17.4753% | 2,196 |
| Efficiency ratio | 68.6107% | 2,449 |
| Assets per employee ($millions) | 4.9407% | 2,572 |
| Cash dividends to net income (ytd only)* | 25.3311% | 3,264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0693% | 3,274 |
| Loan loss allowance to noncurrent loans | 318.7984% | 1,572 |
| Noncurrent assets plus other real estate owned to assets | 0.4693% | 2,686 |
| Noncurrent loans to loans | 0.3354% | 3,349 |
| Net loans and leases to total assets | 81.0631% | 798 |
| Net loans and leases to deposits | 100.7494% | 687 |
| Net loans and leases to core deposits | 115.3267% | 717 |
| Total domestic deposits to total assets | 80.4602% | 4,005 |
| Equity capital to assets | 10.5073% | 3,183 |
| Core capital (leverage) ratio | 10.8106% | 2,728 |
| Tier 1 risk-based capital ratio | 12.6940% | 4,015 |
| Total risk-based capital ratio | 13.7457% | 4,007 |
| Memoranda: | ||
| Average total assets | $176,397,400 | 3,093 |
| Average earning assets | $158,288,200 | 3,158 |
| Average equity | $18,262,000 | 3,269 |
| Average total loans | $142,851,000 | 2,733 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4402% | 409 |
| Cost of funding earning assets | 0.6413% | 2,196 |
| Net interest margin | 4.7988% | 377 |
| Noninterest income to average assets | 0.7820% | 1,532 |
| Noninterest expense to average assets | 3.6136% | 840 |
| Loan and lease loss provision to assets | 0.2028% | 849 |
| Net operating income to assets | 1.2652% | 1,979 |
| Return on assets (ROA) | 1.2652% | 1,987 |
| Pretax return on assets | 1.2652% | 2,747 |
| Return on Equity (ROE) | 12.2708% | 1,691 |
| Retained earnings to average equity (ytd only) | 7.8527% | 1,725 |
| Net charge-offs to loans | 0.0124% | 2,976 |
| Credit loss provision to net charge-offs | 2,030.7692% | 204 |
| Earnings coverage of net charge-offs (x) | 147.0248% | 552 |
| Efficiency ratio | 71.1111% | 2,022 |
| Assets per employee ($millions) | 4.8902% | 2,607 |
| Cash dividends to net income (ytd only)* | 36.0049% | 2,252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0686% | 3,361 |
| Loan loss allowance to noncurrent loans | 161.3169% | 2,620 |
| Noncurrent assets plus other real estate owned to assets | 0.6892% | 2,136 |
| Noncurrent loans to loans | 0.6624% | 2,421 |
| Net loans and leases to total assets | 80.2269% | 984 |
| Net loans and leases to deposits | 96.8089% | 1,057 |
| Net loans and leases to core deposits | 107.8855% | 1,172 |
| Total domestic deposits to total assets | 82.8715% | 3,352 |
| Equity capital to assets | 10.5147% | 3,126 |
| Core capital (leverage) ratio | 10.7003% | 2,879 |
| Tier 1 risk-based capital ratio | 12.3799% | 4,264 |
| Total risk-based capital ratio | 13.3933% | 4,311 |
| Memoranda: | ||
| Average total assets | $173,560,500 | 3,152 |
| Average earning assets | $155,506,000 | 3,211 |
| Average equity | $17,895,750 | 3,329 |
| Average total loans | $140,104,500 | 2,782 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3366% | 439 |
| Cost of funding earning assets | 0.5870% | 2,318 |
| Net interest margin | 4.7496% | 394 |
| Noninterest income to average assets | 0.8907% | 1,207 |
| Noninterest expense to average assets | 3.6002% | 865 |
| Loan and lease loss provision to assets | 0.2326% | 687 |
| Net operating income to assets | 1.3138% | 1,717 |
| Return on assets (ROA) | 1.3138% | 1,717 |
| Pretax return on assets | 1.3138% | 2,450 |
| Return on Equity (ROE) | 12.8315% | 1,428 |
| Retained earnings to average equity (ytd only) | 6.0619% | 2,525 |
| Net charge-offs to loans | 0.0334% | 2,187 |
| Credit loss provision to net charge-offs | 865.2174% | 468 |
| Earnings coverage of net charge-offs (x) | 57.5217% | 1,024 |
| Efficiency ratio | 69.9523% | 2,319 |
| Assets per employee ($millions) | 4.7494% | 2,747 |
| Cash dividends to net income (ytd only)* | 52.7580% | 1,567 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0238% | 3,692 |
| Loan loss allowance to noncurrent loans | 259.6522% | 1,847 |
| Noncurrent assets plus other real estate owned to assets | 0.4837% | 2,825 |
| Noncurrent loans to loans | 0.3943% | 3,279 |
| Net loans and leases to total assets | 82.1405% | 695 |
| Net loans and leases to deposits | 99.1864% | 867 |
| Net loans and leases to core deposits | 110.6051% | 961 |
| Total domestic deposits to total assets | 82.8143% | 3,466 |
| Equity capital to assets | 10.5465% | 3,073 |
| Core capital (leverage) ratio | 10.7092% | 2,795 |
| Tier 1 risk-based capital ratio | 12.3270% | 4,289 |
| Total risk-based capital ratio | 13.3151% | 4,330 |
| Memoranda: | ||
| Average total assets | $171,101,330 | 3,205 |
| Average earning assets | $153,317,330 | 3,249 |
| Average equity | $17,519,330 | 3,392 |
| Average total loans | $137,896,330 | 2,819 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2599% | 440 |
| Cost of funding earning assets | 0.5241% | 2,597 |
| Net interest margin | 4.7358% | 380 |
| Noninterest income to average assets | 0.8839% | 1,189 |
| Noninterest expense to average assets | 3.6448% | 825 |
| Loan and lease loss provision to assets | 0.2465% | 608 |
| Net operating income to assets | 1.2110% | 1,956 |
| Return on assets (ROA) | 1.2110% | 1,966 |
| Pretax return on assets | 1.2110% | 2,707 |
| Return on Equity (ROE) | 12.0147% | 1,575 |
| Retained earnings to average equity (ytd only) | -1.9280% | 5,005 |
| Net charge-offs to loans | 0.0956% | 1,218 |
| Credit loss provision to net charge-offs | 325.0000% | 776 |
| Earnings coverage of net charge-offs (x) | 19.2188% | 1,509 |
| Efficiency ratio | 71.4352% | 2,274 |
| Assets per employee ($millions) | 4.5533% | 3,063 |
| Cash dividends to net income (ytd only)* | 116.0470% | 468 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0091% | 3,895 |
| Loan loss allowance to noncurrent loans | 276.1431% | 1,756 |
| Noncurrent assets plus other real estate owned to assets | 0.4496% | 3,048 |
| Noncurrent loans to loans | 0.3654% | 3,464 |
| Net loans and leases to total assets | 78.7475% | 1,122 |
| Net loans and leases to deposits | 93.4834% | 1,282 |
| Net loans and leases to core deposits | 103.7850% | 1,389 |
| Total domestic deposits to total assets | 84.2369% | 3,224 |
| Equity capital to assets | 9.7963% | 3,799 |
| Core capital (leverage) ratio | 10.2498% | 3,240 |
| Tier 1 risk-based capital ratio | 11.7791% | 4,697 |
| Total risk-based capital ratio | 12.7403% | 4,763 |
| Memoranda: | ||
| Average total assets | $168,788,500 | 3,260 |
| Average earning assets | $150,344,500 | 3,324 |
| Average equity | $17,012,500 | 3,477 |
| Average total loans | $133,926,500 | 2,887 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1855% | 458 |
| Cost of funding earning assets | 0.4034% | 3,219 |
| Net interest margin | 4.7821% | 365 |
| Noninterest income to average assets | 0.7301% | 1,844 |
| Noninterest expense to average assets | 3.7875% | 703 |
| Loan and lease loss provision to assets | 0.0720% | 2,773 |
| Net operating income to assets | 1.1093% | 1,828 |
| Return on assets (ROA) | 1.1093% | 1,850 |
| Pretax return on assets | 1.1093% | 3,149 |
| Return on Equity (ROE) | 10.9633% | 1,501 |
| Retained earnings to average equity (ytd only) | 9.0023% | 504 |
| Net charge-offs to loans | -0.0713% | 5,285 |
| Credit loss provision to net charge-offs | -127.9070% | 4,742 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2256% | 1,583 |
| Assets per employee ($millions) | 4.4474% | 3,275 |
| Cash dividends to net income (ytd only)* | 17.8867% | 3,737 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0107% | 3,872 |
| Loan loss allowance to noncurrent loans | 263.2000% | 1,834 |
| Noncurrent assets plus other real estate owned to assets | 0.4710% | 2,987 |
| Noncurrent loans to loans | 0.3840% | 3,376 |
| Net loans and leases to total assets | 78.3310% | 1,245 |
| Net loans and leases to deposits | 89.0689% | 1,890 |
| Net loans and leases to core deposits | 99.6760% | 1,737 |
| Total domestic deposits to total assets | 87.9443% | 1,536 |
| Equity capital to assets | 10.3766% | 3,302 |
| Core capital (leverage) ratio | 10.5613% | 2,777 |
| Tier 1 risk-based capital ratio | 12.3043% | 4,327 |
| Total risk-based capital ratio | 13.2527% | 4,412 |
| Memoranda: | ||
| Average total assets | $152,712,200 | 3,435 |
| Average earning assets | $135,358,400 | 3,516 |
| Average equity | $15,451,600 | 3,661 |
| Average total loans | $120,602,000 | 3,053 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1592% | 449 |
| Cost of funding earning assets | 0.3848% | 3,336 |
| Net interest margin | 4.7745% | 358 |
| Noninterest income to average assets | 0.8654% | 1,386 |
| Noninterest expense to average assets | 3.8783% | 613 |
| Loan and lease loss provision to assets | 0.0846% | 2,397 |
| Net operating income to assets | 1.1227% | 1,981 |
| Return on assets (ROA) | 1.1227% | 2,048 |
| Pretax return on assets | 1.1227% | 3,222 |
| Return on Equity (ROE) | 11.1745% | 1,617 |
| Retained earnings to average equity (ytd only) | 8.4894% | 1,022 |
| Net charge-offs to loans | -0.0429% | 5,116 |
| Credit loss provision to net charge-offs | -250.0000% | 4,665 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2605% | 1,551 |
| Assets per employee ($millions) | 4.4731% | 3,191 |
| Cash dividends to net income (ytd only)* | 24.0286% | 2,984 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0039% | 4,030 |
| Loan loss allowance to noncurrent loans | 211.2985% | 2,151 |
| Noncurrent assets plus other real estate owned to assets | 0.6937% | 2,426 |
| Noncurrent loans to loans | 0.4751% | 3,262 |
| Net loans and leases to total assets | 78.9267% | 1,131 |
| Net loans and leases to deposits | 90.1087% | 1,796 |
| Net loans and leases to core deposits | 101.5083% | 1,579 |
| Total domestic deposits to total assets | 87.5905% | 1,585 |
| Equity capital to assets | 10.0270% | 3,881 |
| Core capital (leverage) ratio | 10.2242% | 3,286 |
| Tier 1 risk-based capital ratio | 11.8554% | 4,728 |
| Total risk-based capital ratio | 12.8048% | 4,811 |
| Memoranda: | ||
| Average total assets | $149,752,000 | 3,507 |
| Average earning assets | $132,367,500 | 3,595 |
| Average equity | $15,045,750 | 3,747 |
| Average total loans | $118,199,500 | 3,107 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1468% | 434 |
| Cost of funding earning assets | 0.3711% | 3,369 |
| Net interest margin | 4.7756% | 342 |
| Noninterest income to average assets | 0.9899% | 1,039 |
| Noninterest expense to average assets | 3.8784% | 608 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.3168% | 1,265 |
| Return on assets (ROA) | 1.3168% | 1,287 |
| Pretax return on assets | 1.3168% | 2,324 |
| Return on Equity (ROE) | 13.0966% | 1,013 |
| Retained earnings to average equity (ytd only) | 9.0098% | 838 |
| Net charge-offs to loans | -0.0535% | 5,205 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6541% | 1,906 |
| Assets per employee ($millions) | 4.3745% | 3,306 |
| Cash dividends to net income (ytd only)* | 31.2049% | 2,741 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9729% | 4,306 |
| Loan loss allowance to noncurrent loans | 215.1402% | 2,100 |
| Noncurrent assets plus other real estate owned to assets | 0.6714% | 2,536 |
| Noncurrent loans to loans | 0.4522% | 3,393 |
| Net loans and leases to total assets | 76.5159% | 1,466 |
| Net loans and leases to deposits | 88.5837% | 1,912 |
| Net loans and leases to core deposits | 94.1865% | 2,135 |
| Total domestic deposits to total assets | 86.3769% | 2,203 |
| Equity capital to assets | 9.9596% | 3,958 |
| Core capital (leverage) ratio | 10.2711% | 3,176 |
| Tier 1 risk-based capital ratio | 11.8901% | 4,708 |
| Total risk-based capital ratio | 12.7923% | 4,825 |
| Memoranda: | ||
| Average total assets | $147,483,330 | 3,556 |
| Average earning assets | $129,868,330 | 3,641 |
| Average equity | $14,828,330 | 3,780 |
| Average total loans | $115,993,000 | 3,144 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1083% | 437 |
| Cost of funding earning assets | 0.3673% | 3,343 |
| Net interest margin | 4.7409% | 351 |
| Noninterest income to average assets | 1.0894% | 837 |
| Noninterest expense to average assets | 3.9344% | 584 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.3299% | 1,167 |
| Return on assets (ROA) | 1.3299% | 1,198 |
| Pretax return on assets | 1.3299% | 2,136 |
| Return on Equity (ROE) | 13.1619% | 965 |
| Retained earnings to average equity (ytd only) | 4.8707% | 2,972 |
| Net charge-offs to loans | -0.0940% | 5,434 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7374% | 2,104 |
| Assets per employee ($millions) | 4.1676% | 3,722 |
| Cash dividends to net income (ytd only)* | 62.9938% | 1,344 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9929% | 4,335 |
| Loan loss allowance to noncurrent loans | 205.9246% | 2,200 |
| Noncurrent assets plus other real estate owned to assets | 0.7198% | 2,498 |
| Noncurrent loans to loans | 0.4822% | 3,356 |
| Net loans and leases to total assets | 78.4076% | 1,073 |
| Net loans and leases to deposits | 90.9178% | 1,435 |
| Net loans and leases to core deposits | 96.2775% | 1,801 |
| Total domestic deposits to total assets | 86.2401% | 2,560 |
| Equity capital to assets | 10.0983% | 3,629 |
| Core capital (leverage) ratio | 10.2722% | 3,154 |
| Tier 1 risk-based capital ratio | 11.7172% | 4,905 |
| Total risk-based capital ratio | 12.6328% | 5,003 |
| Memoranda: | ||
| Average total assets | $144,671,000 | 3,622 |
| Average earning assets | $127,401,500 | 3,712 |
| Average equity | $14,618,000 | 3,830 |
| Average total loans | $114,838,000 | 3,183 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2930% | 361 |
| Cost of funding earning assets | 0.3365% | 3,674 |
| Net interest margin | 4.9565% | 268 |
| Noninterest income to average assets | 0.9077% | 1,389 |
| Noninterest expense to average assets | 4.2825% | 455 |
| Loan and lease loss provision to assets | 0.0659% | 3,045 |
| Net operating income to assets | 0.9378% | 2,641 |
| Return on assets (ROA) | 0.9385% | 2,748 |
| Pretax return on assets | 0.9385% | 3,700 |
| Return on Equity (ROE) | 9.2198% | 2,306 |
| Retained earnings to average equity (ytd only) | 9.2198% | 540 |
| Net charge-offs to loans | -0.0140% | 5,030 |
| Credit loss provision to net charge-offs | -600.0000% | 5,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.0137% | 1,304 |
| Assets per employee ($millions) | 3.9854% | 3,991 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9811% | 4,431 |
| Loan loss allowance to noncurrent loans | 195.8042% | 2,292 |
| Noncurrent assets plus other real estate owned to assets | 0.7423% | 2,507 |
| Noncurrent loans to loans | 0.5011% | 3,360 |
| Net loans and leases to total assets | 78.7860% | 1,075 |
| Net loans and leases to deposits | 94.8537% | 1,106 |
| Net loans and leases to core deposits | 100.7693% | 1,555 |
| Total domestic deposits to total assets | 83.0606% | 3,746 |
| Equity capital to assets | 10.1104% | 3,595 |
| Core capital (leverage) ratio | 10.5464% | 2,833 |
| Tier 1 risk-based capital ratio | 11.5772% | 5,002 |
| Total risk-based capital ratio | 12.4706% | 5,104 |
| Memoranda: | ||
| Average total assets | $136,602,200 | 3,723 |
| Average earning assets | $120,668,800 | 3,817 |
| Average equity | $13,904,800 | 3,952 |
| Average total loans | $107,313,800 | 3,254 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3709% | 316 |
| Cost of funding earning assets | 0.3447% | 3,599 |
| Net interest margin | 5.0262% | 239 |
| Noninterest income to average assets | 0.9321% | 1,306 |
| Noninterest expense to average assets | 4.3325% | 434 |
| Loan and lease loss provision to assets | 0.0890% | 2,447 |
| Net operating income to assets | 0.9499% | 2,653 |
| Return on assets (ROA) | 0.9509% | 2,792 |
| Pretax return on assets | 0.9509% | 3,811 |
| Return on Equity (ROE) | 9.3252% | 2,349 |
| Retained earnings to average equity (ytd only) | 9.3252% | 728 |
| Net charge-offs to loans | -0.0467% | 5,346 |
| Credit loss provision to net charge-offs | -243.2432% | 4,913 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.6588% | 1,344 |
| Assets per employee ($millions) | 3.6249% | 4,601 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0760% | 3,976 |
| Loan loss allowance to noncurrent loans | 126.8889% | 3,139 |
| Noncurrent assets plus other real estate owned to assets | 0.9467% | 2,192 |
| Noncurrent loans to loans | 0.8480% | 2,561 |
| Net loans and leases to total assets | 76.2178% | 1,492 |
| Net loans and leases to deposits | 88.3417% | 1,974 |
| Net loans and leases to core deposits | 93.2787% | 2,254 |
| Total domestic deposits to total assets | 86.2762% | 2,229 |
| Equity capital to assets | 10.3596% | 3,734 |
| Core capital (leverage) ratio | 10.5135% | 2,981 |
| Tier 1 risk-based capital ratio | 12.2712% | 4,627 |
| Total risk-based capital ratio | 13.2585% | 4,687 |
| Memoranda: | ||
| Average total assets | $134,883,750 | 3,774 |
| Average earning assets | $119,133,250 | 3,863 |
| Average equity | $13,754,500 | 4,009 |
| Average total loans | $105,602,500 | 3,292 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4182% | 289 |
| Cost of funding earning assets | 0.3678% | 3,379 |
| Net interest margin | 5.0504% | 235 |
| Noninterest income to average assets | 0.9542% | 1,232 |
| Noninterest expense to average assets | 4.3859% | 420 |
| Loan and lease loss provision to assets | 0.0896% | 2,353 |
| Net operating income to assets | 0.9288% | 2,727 |
| Return on assets (ROA) | 0.9303% | 2,860 |
| Pretax return on assets | 0.9303% | 3,834 |
| Return on Equity (ROE) | 9.1735% | 2,418 |
| Retained earnings to average equity (ytd only) | 9.1735% | 803 |
| Net charge-offs to loans | -0.0493% | 5,361 |
| Credit loss provision to net charge-offs | -230.7692% | 4,751 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.1550% | 1,366 |
| Assets per employee ($millions) | 3.3187% | 5,032 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0352% | 4,317 |
| Loan loss allowance to noncurrent loans | 144.1099% | 2,959 |
| Noncurrent assets plus other real estate owned to assets | 0.9236% | 2,308 |
| Noncurrent loans to loans | 0.7183% | 2,932 |
| Net loans and leases to total assets | 79.2899% | 1,020 |
| Net loans and leases to deposits | 90.4400% | 1,700 |
| Net loans and leases to core deposits | 95.6029% | 2,010 |
| Total domestic deposits to total assets | 87.6713% | 1,589 |
| Equity capital to assets | 10.4906% | 3,638 |
| Core capital (leverage) ratio | 10.4291% | 3,046 |
| Tier 1 risk-based capital ratio | 12.0470% | 4,794 |
| Total risk-based capital ratio | 13.0052% | 4,884 |
| Memoranda: | ||
| Average total assets | $133,929,670 | 3,811 |
| Average earning assets | $118,009,670 | 3,914 |
| Average equity | $13,582,670 | 4,062 |
| Average total loans | $105,427,000 | 3,314 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3661% | 307 |
| Cost of funding earning assets | 0.4435% | 2,653 |
| Net interest margin | 4.9226% | 301 |
| Noninterest income to average assets | 0.9367% | 1,219 |
| Noninterest expense to average assets | 4.2729% | 464 |
| Loan and lease loss provision to assets | 0.0892% | 2,193 |
| Net operating income to assets | 0.8980% | 2,764 |
| Return on assets (ROA) | 0.9010% | 2,878 |
| Pretax return on assets | 0.9010% | 3,841 |
| Return on Equity (ROE) | 9.0374% | 2,409 |
| Retained earnings to average equity (ytd only) | 9.0374% | 1,106 |
| Net charge-offs to loans | -0.1982% | 5,849 |
| Credit loss provision to net charge-offs | -57.6923% | 4,167 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.2323% | 1,457 |
| Assets per employee ($millions) | 3.2475% | 5,201 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0412% | 4,381 |
| Loan loss allowance to noncurrent loans | 178.6645% | 2,430 |
| Noncurrent assets plus other real estate owned to assets | 0.7889% | 2,721 |
| Noncurrent loans to loans | 0.5828% | 3,443 |
| Net loans and leases to total assets | 76.4390% | 1,328 |
| Net loans and leases to deposits | 90.3278% | 1,541 |
| Net loans and leases to core deposits | 93.8619% | 2,001 |
| Total domestic deposits to total assets | 84.6241% | 3,269 |
| Equity capital to assets | 9.9490% | 4,144 |
| Core capital (leverage) ratio | 10.1881% | 3,329 |
| Tier 1 risk-based capital ratio | 11.9854% | 4,927 |
| Total risk-based capital ratio | 12.9568% | 5,012 |
| Memoranda: | ||
| Average total assets | $134,521,000 | 3,824 |
| Average earning assets | $118,150,000 | 3,940 |
| Average equity | $13,411,000 | 4,102 |
| Average total loans | $104,962,500 | 3,335 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2442% | 400 |
| Cost of funding earning assets | 0.4199% | 2,940 |
| Net interest margin | 4.8242% | 350 |
| Noninterest income to average assets | 0.7354% | 2,041 |
| Noninterest expense to average assets | 4.3786% | 442 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.4708% | 4,809 |
| Return on assets (ROA) | 0.5116% | 4,735 |
| Pretax return on assets | 0.5116% | 5,085 |
| Return on Equity (ROE) | 4.9609% | 4,525 |
| Retained earnings to average equity (ytd only) | 4.9609% | 2,450 |
| Net charge-offs to loans | -0.0652% | 5,643 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.2917% | 674 |
| Assets per employee ($millions) | 3.0848% | 5,440 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9716% | 4,754 |
| Loan loss allowance to noncurrent loans | 145.9770% | 2,872 |
| Noncurrent assets plus other real estate owned to assets | 0.8986% | 2,421 |
| Noncurrent loans to loans | 0.6656% | 3,199 |
| Net loans and leases to total assets | 78.0666% | 1,107 |
| Net loans and leases to deposits | 96.9924% | 911 |
| Net loans and leases to core deposits | 100.0367% | 1,492 |
| Total domestic deposits to total assets | 80.4873% | 4,615 |
| Equity capital to assets | 9.9904% | 3,967 |
| Core capital (leverage) ratio | 10.4560% | 2,978 |
| Tier 1 risk-based capital ratio | 11.6819% | 5,140 |
| Total risk-based capital ratio | 12.5788% | 5,252 |
| Memoranda: | ||
| Average total assets | $125,107,600 | 3,983 |
| Average earning assets | $106,690,200 | 4,125 |
| Average equity | $12,901,000 | 4,160 |
| Average total loans | $91,975,400 | 3,547 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2349% | 419 |
| Cost of funding earning assets | 0.4341% | 2,862 |
| Net interest margin | 4.8008% | 377 |
| Noninterest income to average assets | 0.7055% | 2,205 |
| Noninterest expense to average assets | 4.3065% | 486 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.4674% | 4,907 |
| Return on assets (ROA) | 0.5205% | 4,811 |
| Pretax return on assets | 0.5205% | 5,171 |
| Return on Equity (ROE) | 5.0051% | 4,624 |
| Retained earnings to average equity (ytd only) | 5.0051% | 2,913 |
| Net charge-offs to loans | -0.1051% | 5,803 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.2085% | 688 |
| Assets per employee ($millions) | 2.8984% | 5,651 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0894% | 4,290 |
| Loan loss allowance to noncurrent loans | 139.2130% | 2,962 |
| Noncurrent assets plus other real estate owned to assets | 1.0198% | 2,321 |
| Noncurrent loans to loans | 0.7826% | 3,006 |
| Net loans and leases to total assets | 74.7406% | 1,597 |
| Net loans and leases to deposits | 89.5880% | 1,702 |
| Net loans and leases to core deposits | 91.5893% | 2,306 |
| Total domestic deposits to total assets | 83.4271% | 3,641 |
| Equity capital to assets | 10.5351% | 3,570 |
| Core capital (leverage) ratio | 10.8263% | 2,679 |
| Tier 1 risk-based capital ratio | 12.7521% | 4,575 |
| Total risk-based capital ratio | 13.7529% | 4,656 |
| Memoranda: | ||
| Average total assets | $123,222,750 | 4,060 |
| Average earning assets | $104,425,000 | 4,233 |
| Average equity | $12,813,250 | 4,217 |
| Average total loans | $88,827,000 | 3,647 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2188% | 416 |
| Cost of funding earning assets | 0.4547% | 2,667 |
| Net interest margin | 4.7640% | 385 |
| Noninterest income to average assets | 0.8195% | 1,702 |
| Noninterest expense to average assets | 4.3046% | 490 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.5263% | 4,661 |
| Return on assets (ROA) | 0.5605% | 4,622 |
| Pretax return on assets | 0.5605% | 5,072 |
| Return on Equity (ROE) | 5.4141% | 4,420 |
| Retained earnings to average equity (ytd only) | 5.4141% | 2,590 |
| Net charge-offs to loans | -0.1471% | 5,924 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.1062% | 818 |
| Assets per employee ($millions) | 2.8655% | 5,748 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1561% | 4,050 |
| Loan loss allowance to noncurrent loans | 123.7864% | 3,210 |
| Noncurrent assets plus other real estate owned to assets | 1.8961% | 1,192 |
| Noncurrent loans to loans | 0.9339% | 2,798 |
| Net loans and leases to total assets | 72.4627% | 1,901 |
| Net loans and leases to deposits | 87.3027% | 1,909 |
| Net loans and leases to core deposits | 89.0999% | 2,440 |
| Total domestic deposits to total assets | 83.0017% | 3,958 |
| Equity capital to assets | 10.7916% | 3,122 |
| Core capital (leverage) ratio | 10.6929% | 2,742 |
| Tier 1 risk-based capital ratio | 13.4171% | 4,266 |
| Total risk-based capital ratio | 14.4749% | 4,316 |
| Memoranda: | ||
| Average total assets | $122,753,330 | 4,099 |
| Average earning assets | $103,358,000 | 4,289 |
| Average equity | $12,707,670 | 4,259 |
| Average total loans | $87,044,000 | 3,712 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1094% | 478 |
| Cost of funding earning assets | 0.4735% | 2,518 |
| Net interest margin | 4.6358% | 461 |
| Noninterest income to average assets | 0.8261% | 1,615 |
| Noninterest expense to average assets | 4.2048% | 552 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.5389% | 4,518 |
| Return on assets (ROA) | 0.6067% | 4,353 |
| Pretax return on assets | 0.6067% | 4,900 |
| Return on Equity (ROE) | 5.9837% | 4,046 |
| Retained earnings to average equity (ytd only) | 5.9837% | 2,515 |
| Net charge-offs to loans | -0.0555% | 5,569 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.6395% | 965 |
| Assets per employee ($millions) | 3.0621% | 5,587 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1211% | 4,416 |
| Loan loss allowance to noncurrent loans | 108.3987% | 3,487 |
| Noncurrent assets plus other real estate owned to assets | 2.1084% | 1,094 |
| Noncurrent loans to loans | 1.0342% | 2,700 |
| Net loans and leases to total assets | 68.0059% | 2,437 |
| Net loans and leases to deposits | 82.5419% | 2,272 |
| Net loans and leases to core deposits | 84.1926% | 2,747 |
| Total domestic deposits to total assets | 82.3896% | 4,384 |
| Equity capital to assets | 10.0848% | 4,042 |
| Core capital (leverage) ratio | 10.1388% | 3,416 |
| Tier 1 risk-based capital ratio | 12.9967% | 4,605 |
| Total risk-based capital ratio | 14.0006% | 4,673 |
| Memoranda: | ||
| Average total assets | $123,953,500 | 4,104 |
| Average earning assets | $104,749,000 | 4,285 |
| Average equity | $12,567,500 | 4,311 |
| Average total loans | $86,450,500 | 3,742 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1823% | 538 |
| Cost of funding earning assets | 0.4993% | 2,686 |
| Net interest margin | 4.6829% | 537 |
| Noninterest income to average assets | 1.0847% | 1,039 |
| Noninterest expense to average assets | 4.5924% | 426 |
| Loan and lease loss provision to assets | 0.0340% | 3,910 |
| Net operating income to assets | 0.4164% | 5,170 |
| Return on assets (ROA) | 0.4958% | 4,921 |
| Pretax return on assets | 0.4958% | 5,267 |
| Return on Equity (ROE) | 5.0263% | 4,650 |
| Retained earnings to average equity (ytd only) | 5.0263% | 2,582 |
| Net charge-offs to loans | 0.7837% | 452 |
| Credit loss provision to net charge-offs | 6.4220% | 4,143 |
| Earnings coverage of net charge-offs (x) | 0.8502% | 4,550 |
| Efficiency ratio | 91.0683% | 776 |
| Assets per employee ($millions) | 2.9134% | 5,813 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1045% | 4,521 |
| Loan loss allowance to noncurrent loans | 97.5510% | 3,776 |
| Noncurrent assets plus other real estate owned to assets | 2.3332% | 1,012 |
| Noncurrent loans to loans | 1.1322% | 2,573 |
| Net loans and leases to total assets | 69.9555% | 2,242 |
| Net loans and leases to deposits | 85.4171% | 2,049 |
| Net loans and leases to core deposits | 87.4950% | 2,550 |
| Total domestic deposits to total assets | 81.8988% | 4,455 |
| Equity capital to assets | 10.1943% | 3,858 |
| Core capital (leverage) ratio | 9.9875% | 3,584 |
| Tier 1 risk-based capital ratio | 13.0590% | 4,688 |
| Total risk-based capital ratio | 14.0705% | 4,757 |
| Memoranda: | ||
| Average total assets | $123,443,800 | 4,115 |
| Average earning assets | $104,336,400 | 4,305 |
| Average equity | $12,176,000 | 4,325 |
| Average total loans | $83,449,200 | 3,784 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1479% | 579 |
| Cost of funding earning assets | 0.5042% | 2,714 |
| Net interest margin | 4.6437% | 567 |
| Noninterest income to average assets | 0.9279% | 1,424 |
| Noninterest expense to average assets | 4.4564% | 483 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.3923% | 5,272 |
| Return on assets (ROA) | 0.4979% | 4,947 |
| Pretax return on assets | 0.4979% | 5,332 |
| Return on Equity (ROE) | 5.0901% | 4,679 |
| Retained earnings to average equity (ytd only) | 5.0901% | 3,029 |
| Net charge-offs to loans | 0.3403% | 1,180 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 1.7251% | 4,090 |
| Efficiency ratio | 91.9093% | 719 |
| Assets per employee ($millions) | 2.9479% | 5,785 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5623% | 2,446 |
| Loan loss allowance to noncurrent loans | 60.7159% | 4,754 |
| Noncurrent assets plus other real estate owned to assets | 3.8268% | 536 |
| Noncurrent loans to loans | 2.5731% | 1,125 |
| Net loans and leases to total assets | 69.0598% | 2,357 |
| Net loans and leases to deposits | 84.0357% | 2,148 |
| Net loans and leases to core deposits | 86.4330% | 2,621 |
| Total domestic deposits to total assets | 82.1791% | 4,420 |
| Equity capital to assets | 9.9540% | 4,220 |
| Core capital (leverage) ratio | 9.7299% | 4,027 |
| Tier 1 risk-based capital ratio | 12.8012% | 4,975 |
| Total risk-based capital ratio | 14.0537% | 4,887 |
| Memoranda: | ||
| Average total assets | $123,714,250 | 4,141 |
| Average earning assets | $104,455,250 | 4,340 |
| Average equity | $12,101,500 | 4,369 |
| Average total loans | $82,672,750 | 3,826 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0873% | 632 |
| Cost of funding earning assets | 0.5082% | 2,749 |
| Net interest margin | 4.5792% | 604 |
| Noninterest income to average assets | 0.8716% | 1,586 |
| Noninterest expense to average assets | 4.4388% | 477 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.2943% | 5,582 |
| Return on assets (ROA) | 0.4334% | 5,168 |
| Pretax return on assets | 0.4334% | 5,473 |
| Return on Equity (ROE) | 4.4565% | 4,938 |
| Retained earnings to average equity (ytd only) | 4.4565% | 3,334 |
| Net charge-offs to loans | 0.0640% | 3,076 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 7.0000% | 2,691 |
| Efficiency ratio | 93.7820% | 654 |
| Assets per employee ($millions) | 3.2806% | 5,291 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8032% | 1,835 |
| Loan loss allowance to noncurrent loans | 52.8807% | 5,063 |
| Noncurrent assets plus other real estate owned to assets | 4.0987% | 508 |
| Noncurrent loans to loans | 3.4098% | 796 |
| Net loans and leases to total assets | 65.6352% | 2,814 |
| Net loans and leases to deposits | 79.0710% | 2,647 |
| Net loans and leases to core deposits | 81.3719% | 3,055 |
| Total domestic deposits to total assets | 83.0079% | 4,306 |
| Equity capital to assets | 9.4996% | 4,750 |
| Core capital (leverage) ratio | 9.6122% | 4,157 |
| Tier 1 risk-based capital ratio | 12.4127% | 5,288 |
| Total risk-based capital ratio | 13.6665% | 5,205 |
| Memoranda: | ||
| Average total assets | $123,682,330 | 4,165 |
| Average earning assets | $104,298,330 | 4,358 |
| Average equity | $12,027,330 | 4,393 |
| Average total loans | $81,277,000 | 3,870 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0979% | 595 |
| Cost of funding earning assets | 0.5222% | 2,690 |
| Net interest margin | 4.5757% | 581 |
| Noninterest income to average assets | 1.0103% | 1,110 |
| Noninterest expense to average assets | 4.4656% | 471 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.4377% | 4,987 |
| Return on assets (ROA) | 0.5166% | 4,680 |
| Pretax return on assets | 0.5166% | 5,117 |
| Return on Equity (ROE) | 5.2491% | 4,422 |
| Retained earnings to average equity (ytd only) | 5.2491% | 2,962 |
| Net charge-offs to loans | -0.0910% | 6,087 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.0738% | 944 |
| Assets per employee ($millions) | 3.2617% | 5,423 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9522% | 1,619 |
| Loan loss allowance to noncurrent loans | 51.1448% | 5,159 |
| Noncurrent assets plus other real estate owned to assets | 4.3914% | 506 |
| Noncurrent loans to loans | 3.8170% | 732 |
| Net loans and leases to total assets | 64.2667% | 2,847 |
| Net loans and leases to deposits | 77.7268% | 2,597 |
| Net loans and leases to core deposits | 81.1781% | 2,832 |
| Total domestic deposits to total assets | 82.6828% | 4,722 |
| Equity capital to assets | 9.7187% | 4,205 |
| Core capital (leverage) ratio | 9.8041% | 3,854 |
| Tier 1 risk-based capital ratio | 13.1436% | 4,926 |
| Total risk-based capital ratio | 14.3996% | 4,852 |
| Memoranda: | ||
| Average total assets | $121,552,500 | 4,244 |
| Average earning assets | $103,415,500 | 4,412 |
| Average equity | $11,964,000 | 4,426 |
| Average total loans | $79,157,000 | 3,964 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8125% | 1,285 |
| Cost of funding earning assets | 0.5643% | 2,981 |
| Net interest margin | 4.2482% | 1,225 |
| Noninterest income to average assets | 0.8786% | 1,759 |
| Noninterest expense to average assets | 4.4072% | 568 |
| Loan and lease loss provision to assets | 0.0542% | 4,056 |
| Net operating income to assets | 0.0032% | 6,207 |
| Return on assets (ROA) | 0.0948% | 6,105 |
| Pretax return on assets | 0.0948% | 6,100 |
| Return on Equity (ROE) | 0.9822% | 6,086 |
| Retained earnings to average equity (ytd only) | 0.9822% | 5,399 |
| Net charge-offs to loans | 0.9450% | 637 |
| Credit loss provision to net charge-offs | 9.5775% | 4,589 |
| Earnings coverage of net charge-offs (x) | 0.1014% | 5,052 |
| Efficiency ratio | 98.7154% | 526 |
| Assets per employee ($millions) | 2.8371% | 6,060 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0345% | 1,479 |
| Loan loss allowance to noncurrent loans | 42.2984% | 5,560 |
| Noncurrent assets plus other real estate owned to assets | 5.5648% | 377 |
| Noncurrent loans to loans | 4.8098% | 540 |
| Net loans and leases to total assets | 63.3641% | 3,148 |
| Net loans and leases to deposits | 77.3694% | 2,806 |
| Net loans and leases to core deposits | 80.4715% | 3,067 |
| Total domestic deposits to total assets | 81.8981% | 4,908 |
| Equity capital to assets | 9.9716% | 3,812 |
| Core capital (leverage) ratio | 9.8153% | 3,823 |
| Tier 1 risk-based capital ratio | 13.6956% | 4,524 |
| Total risk-based capital ratio | 14.9518% | 4,466 |
| Memoranda: | ||
| Average total assets | $125,544,400 | 4,152 |
| Average earning assets | $105,974,600 | 4,362 |
| Average equity | $12,116,200 | 4,419 |
| Average total loans | $75,135,600 | 4,089 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7490% | 1,482 |
| Cost of funding earning assets | 0.5678% | 3,100 |
| Net interest margin | 4.1813% | 1,393 |
| Noninterest income to average assets | 0.9459% | 1,618 |
| Noninterest expense to average assets | 4.2188% | 675 |
| Loan and lease loss provision to assets | 0.0713% | 3,641 |
| Net operating income to assets | 0.1772% | 5,970 |
| Return on assets (ROA) | 0.2391% | 5,896 |
| Pretax return on assets | 0.2391% | 5,981 |
| Return on Equity (ROE) | 2.4969% | 5,784 |
| Retained earnings to average equity (ytd only) | 2.4969% | 4,823 |
| Net charge-offs to loans | 1.0823% | 523 |
| Credit loss provision to net charge-offs | 11.2211% | 4,208 |
| Earnings coverage of net charge-offs (x) | 0.3911% | 4,734 |
| Efficiency ratio | 94.4366% | 710 |
| Assets per employee ($millions) | 2.7579% | 6,207 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2306% | 1,285 |
| Loan loss allowance to noncurrent loans | 36.5385% | 5,754 |
| Noncurrent assets plus other real estate owned to assets | 6.4476% | 338 |
| Noncurrent loans to loans | 6.1048% | 410 |
| Net loans and leases to total assets | 60.3937% | 3,635 |
| Net loans and leases to deposits | 73.6158% | 3,293 |
| Net loans and leases to core deposits | 76.8955% | 3,517 |
| Total domestic deposits to total assets | 82.0391% | 4,917 |
| Equity capital to assets | 9.9928% | 3,908 |
| Core capital (leverage) ratio | 9.7051% | 4,097 |
| Tier 1 risk-based capital ratio | 14.0293% | 4,405 |
| Total risk-based capital ratio | 15.2888% | 4,352 |
| Memoranda: | ||
| Average total assets | $127,140,750 | 4,174 |
| Average earning assets | $107,078,500 | 4,380 |
| Average equity | $12,174,750 | 4,467 |
| Average total loans | $74,651,500 | 4,126 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6312% | 1,752 |
| Cost of funding earning assets | 0.5720% | 3,200 |
| Net interest margin | 4.0592% | 1,664 |
| Noninterest income to average assets | 1.0227% | 1,459 |
| Noninterest expense to average assets | 4.1853% | 706 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.2572% | 5,755 |
| Return on assets (ROA) | 0.2572% | 5,885 |
| Pretax return on assets | 0.2572% | 5,985 |
| Return on Equity (ROE) | 2.7233% | 5,713 |
| Retained earnings to average equity (ytd only) | 2.7233% | 4,580 |
| Net charge-offs to loans | 1.2663% | 451 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 0.3517% | 4,422 |
| Efficiency ratio | 94.2100% | 758 |
| Assets per employee ($millions) | 3.1378% | 5,604 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3351% | 1,204 |
| Loan loss allowance to noncurrent loans | 30.4607% | 5,996 |
| Noncurrent assets plus other real estate owned to assets | 7.1292% | 330 |
| Noncurrent loans to loans | 7.6660% | 279 |
| Net loans and leases to total assets | 57.9490% | 3,994 |
| Net loans and leases to deposits | 70.1609% | 3,701 |
| Net loans and leases to core deposits | 74.2833% | 3,768 |
| Total domestic deposits to total assets | 82.5945% | 4,858 |
| Equity capital to assets | 9.7536% | 4,238 |
| Core capital (leverage) ratio | 9.2952% | 4,545 |
| Tier 1 risk-based capital ratio | 13.8115% | 4,556 |
| Total risk-based capital ratio | 15.0709% | 4,515 |
| Memoranda: | ||
| Average total assets | $129,072,000 | 4,159 |
| Average earning assets | $108,740,330 | 4,367 |
| Average equity | $12,191,000 | 4,489 |
| Average total loans | $74,549,330 | 4,157 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6548% | 1,662 |
| Cost of funding earning assets | 0.5919% | 3,182 |
| Net interest margin | 4.0629% | 1,578 |
| Noninterest income to average assets | 0.9996% | 1,461 |
| Noninterest expense to average assets | 4.0779% | 811 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.3210% | 5,492 |
| Return on assets (ROA) | 0.3210% | 5,625 |
| Pretax return on assets | 0.3210% | 5,807 |
| Return on Equity (ROE) | 3.4524% | 5,367 |
| Retained earnings to average equity (ytd only) | 3.4524% | 4,181 |
| Net charge-offs to loans | -0.1180% | 6,512 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.7033% | 925 |
| Assets per employee ($millions) | 3.1761% | 5,679 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9676% | 680 |
| Loan loss allowance to noncurrent loans | 42.7504% | 5,485 |
| Noncurrent assets plus other real estate owned to assets | 6.3622% | 481 |
| Noncurrent loans to loans | 6.9416% | 426 |
| Net loans and leases to total assets | 56.0435% | 4,070 |
| Net loans and leases to deposits | 67.3486% | 3,867 |
| Net loans and leases to core deposits | 71.2545% | 3,922 |
| Total domestic deposits to total assets | 83.2140% | 4,787 |
| Equity capital to assets | 9.3955% | 5,005 |
| Core capital (leverage) ratio | 9.0122% | 4,863 |
| Tier 1 risk-based capital ratio | 13.8975% | 4,580 |
| Total risk-based capital ratio | 15.1643% | 4,529 |
| Memoranda: | ||
| Average total assets | $130,852,000 | 4,167 |
| Average earning assets | $109,479,500 | 4,387 |
| Average equity | $12,165,500 | 4,546 |
| Average total loans | $74,588,000 | 4,181 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7862% | 2,248 |
| Cost of funding earning assets | 0.9416% | 1,694 |
| Net interest margin | 3.8446% | 3,044 |
| Noninterest income to average assets | 0.1146% | 6,454 |
| Noninterest expense to average assets | 4.3383% | 655 |
| Loan and lease loss provision to assets | 0.1619% | 3,587 |
| Net operating income to assets | -1.1127% | 6,773 |
| Return on assets (ROA) | -0.9828% | 6,756 |
| Pretax return on assets | -0.9828% | 6,730 |
| Return on Equity (ROE) | -11.1133% | 6,751 |
| Retained earnings to average equity (ytd only) | -11.1133% | 6,677 |
| Net charge-offs to loans | 1.9140% | 396 |
| Credit loss provision to net charge-offs | 15.9868% | 5,327 |
| Earnings coverage of net charge-offs (x) | -0.9388% | 5,750 |
| Efficiency ratio | 128.0685% | 164 |
| Assets per employee ($millions) | 3.1305% | 5,782 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9880% | 675 |
| Loan loss allowance to noncurrent loans | 47.6396% | 5,250 |
| Noncurrent assets plus other real estate owned to assets | 5.9582% | 583 |
| Noncurrent loans to loans | 6.2721% | 552 |
| Net loans and leases to total assets | 54.5725% | 4,535 |
| Net loans and leases to deposits | 65.4794% | 4,362 |
| Net loans and leases to core deposits | 69.2242% | 4,407 |
| Total domestic deposits to total assets | 83.3430% | 4,587 |
| Equity capital to assets | 9.1997% | 5,268 |
| Core capital (leverage) ratio | 8.0922% | 6,101 |
| Tier 1 risk-based capital ratio | 13.8408% | 4,502 |
| Total risk-based capital ratio | 15.1078% | 4,442 |
| Memoranda: | ||
| Average total assets | $150,083,200 | 3,770 |
| Average earning assets | $127,762,600 | 3,951 |
| Average equity | $13,272,400 | 4,303 |
| Average total loans | $79,415,600 | 4,056 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7851% | 2,441 |
| Cost of funding earning assets | 0.9536% | 1,838 |
| Net interest margin | 3.8315% | 3,200 |
| Noninterest income to average assets | 0.3059% | 5,338 |
| Noninterest expense to average assets | 3.6828% | 1,388 |
| Loan and lease loss provision to assets | 0.2094% | 2,975 |
| Net operating income to assets | -0.3111% | 6,579 |
| Return on assets (ROA) | -0.1620% | 6,540 |
| Pretax return on assets | -0.1620% | 6,521 |
| Return on Equity (ROE) | -1.8476% | 6,557 |
| Retained earnings to average equity (ytd only) | -1.8476% | 6,379 |
| Net charge-offs to loans | 1.5053% | 569 |
| Credit loss provision to net charge-offs | 26.6447% | 4,855 |
| Earnings coverage of net charge-offs (x) | -0.1294% | 5,392 |
| Efficiency ratio | 102.8393% | 452 |
| Assets per employee ($millions) | 3.6419% | 4,676 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7577% | 373 |
| Loan loss allowance to noncurrent loans | 61.0089% | 4,600 |
| Noncurrent assets plus other real estate owned to assets | 5.1816% | 844 |
| Noncurrent loans to loans | 6.1592% | 646 |
| Net loans and leases to total assets | 48.3368% | 5,506 |
| Net loans and leases to deposits | 61.8641% | 4,986 |
| Net loans and leases to core deposits | 65.3700% | 5,020 |
| Total domestic deposits to total assets | 78.1338% | 6,045 |
| Equity capital to assets | 9.0686% | 5,754 |
| Core capital (leverage) ratio | 8.5528% | 5,686 |
| Tier 1 risk-based capital ratio | 14.7941% | 3,989 |
| Total risk-based capital ratio | 16.0682% | 3,926 |
| Memoranda: | ||
| Average total assets | $154,733,500 | 3,741 |
| Average earning assets | $132,269,250 | 3,891 |
| Average equity | $13,566,500 | 4,288 |
| Average total loans | $80,778,750 | 4,061 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9334% | 1,982 |
| Cost of funding earning assets | 0.9900% | 1,825 |
| Net interest margin | 3.9435% | 2,737 |
| Noninterest income to average assets | 0.3169% | 5,284 |
| Noninterest expense to average assets | 3.6157% | 1,551 |
| Loan and lease loss provision to assets | 0.1252% | 3,956 |
| Net operating income to assets | -0.0498% | 6,384 |
| Return on assets (ROA) | 0.1635% | 6,188 |
| Pretax return on assets | 0.1635% | 6,204 |
| Return on Equity (ROE) | 1.8858% | 6,080 |
| Retained earnings to average equity (ytd only) | 1.8858% | 5,260 |
| Net charge-offs to loans | 1.6951% | 536 |
| Credit loss provision to net charge-offs | 13.9800% | 4,692 |
| Earnings coverage of net charge-offs (x) | 0.0842% | 5,037 |
| Efficiency ratio | 97.9578% | 624 |
| Assets per employee ($millions) | 3.7274% | 4,460 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6876% | 432 |
| Loan loss allowance to noncurrent loans | 86.7368% | 3,566 |
| Noncurrent assets plus other real estate owned to assets | 4.3979% | 1,128 |
| Noncurrent loans to loans | 4.2515% | 1,275 |
| Net loans and leases to total assets | 49.2877% | 5,448 |
| Net loans and leases to deposits | 62.6819% | 4,918 |
| Net loans and leases to core deposits | 66.2885% | 4,966 |
| Total domestic deposits to total assets | 78.6315% | 6,030 |
| Equity capital to assets | 8.9299% | 5,775 |
| Core capital (leverage) ratio | 8.4250% | 5,756 |
| Tier 1 risk-based capital ratio | 14.7988% | 3,896 |
| Total risk-based capital ratio | 16.0733% | 3,845 |
| Memoranda: | ||
| Average total assets | $156,539,000 | 3,730 |
| Average earning assets | $133,943,330 | 3,888 |
| Average equity | $13,575,000 | 4,283 |
| Average total loans | $82,707,330 | 4,020 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0045% | 1,870 |
| Cost of funding earning assets | 1.0145% | 1,894 |
| Net interest margin | 3.9900% | 2,552 |
| Noninterest income to average assets | 0.0404% | 6,972 |
| Noninterest expense to average assets | 3.5506% | 1,661 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | -0.0934% | 6,533 |
| Return on assets (ROA) | 0.2071% | 6,109 |
| Pretax return on assets | 0.2071% | 6,187 |
| Return on Equity (ROE) | 2.4226% | 5,932 |
| Retained earnings to average equity (ytd only) | 2.4226% | 5,050 |
| Net charge-offs to loans | 0.7580% | 1,353 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | -0.2298% | 4,447 |
| Efficiency ratio | 102.7027% | 479 |
| Assets per employee ($millions) | 4.2225% | 3,536 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9734% | 378 |
| Loan loss allowance to noncurrent loans | 89.2646% | 3,360 |
| Noncurrent assets plus other real estate owned to assets | 4.5421% | 1,170 |
| Noncurrent loans to loans | 4.4513% | 1,321 |
| Net loans and leases to total assets | 50.0950% | 5,290 |
| Net loans and leases to deposits | 63.8433% | 4,659 |
| Net loans and leases to core deposits | 67.8765% | 4,695 |
| Total domestic deposits to total assets | 78.4656% | 6,195 |
| Equity capital to assets | 8.4067% | 6,171 |
| Core capital (leverage) ratio | 8.2040% | 6,018 |
| Tier 1 risk-based capital ratio | 13.8756% | 4,549 |
| Total risk-based capital ratio | 15.1539% | 4,513 |
| Memoranda: | ||
| Average total assets | $158,397,000 | 3,715 |
| Average earning assets | $135,638,500 | 3,889 |
| Average equity | $13,539,000 | 4,295 |
| Average total loans | $84,957,500 | 3,976 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1089% | 2,418 |
| Cost of funding earning assets | 1.2538% | 1,710 |
| Net interest margin | 3.8552% | 3,542 |
| Noninterest income to average assets | 0.6311% | 2,998 |
| Noninterest expense to average assets | 3.5432% | 1,876 |
| Loan and lease loss provision to assets | 2.0453% | 283 |
| Net operating income to assets | -1.6180% | 6,937 |
| Return on assets (ROA) | -1.4733% | 6,923 |
| Pretax return on assets | -1.4733% | 6,891 |
| Return on Equity (ROE) | -17.6623% | 6,947 |
| Retained earnings to average equity (ytd only) | -17.6623% | 6,931 |
| Net charge-offs to loans | 1.9387% | 730 |
| Credit loss provision to net charge-offs | 193.5897% | 1,314 |
| Earnings coverage of net charge-offs (x) | 0.4044% | 5,517 |
| Efficiency ratio | 89.2386% | 1,249 |
| Assets per employee ($millions) | 3.1906% | 5,730 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0448% | 372 |
| Loan loss allowance to noncurrent loans | 85.7811% | 3,469 |
| Noncurrent assets plus other real estate owned to assets | 5.0941% | 1,038 |
| Noncurrent loans to loans | 4.7153% | 1,242 |
| Net loans and leases to total assets | 52.9119% | 5,177 |
| Net loans and leases to deposits | 68.0968% | 4,439 |
| Net loans and leases to core deposits | 72.5886% | 4,423 |
| Total domestic deposits to total assets | 77.7010% | 6,245 |
| Equity capital to assets | 8.6920% | 5,910 |
| Core capital (leverage) ratio | 8.0640% | 6,186 |
| Tier 1 risk-based capital ratio | 13.6975% | 4,555 |
| Total risk-based capital ratio | 14.9768% | 4,501 |
| Memoranda: | ||
| Average total assets | $162,422,000 | 3,599 |
| Average earning assets | $140,694,800 | 3,731 |
| Average equity | $13,548,600 | 4,228 |
| Average total loans | $88,511,000 | 3,894 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0667% | 2,766 |
| Cost of funding earning assets | 1.2919% | 1,751 |
| Net interest margin | 3.7748% | 3,991 |
| Noninterest income to average assets | 0.7767% | 2,158 |
| Noninterest expense to average assets | 3.4442% | 2,092 |
| Loan and lease loss provision to assets | 2.0348% | 261 |
| Net operating income to assets | -1.4208% | 7,021 |
| Return on assets (ROA) | -1.3818% | 7,028 |
| Pretax return on assets | -1.3818% | 6,990 |
| Return on Equity (ROE) | -16.7321% | 7,048 |
| Retained earnings to average equity (ytd only) | -16.7321% | 7,026 |
| Net charge-offs to loans | 2.3093% | 511 |
| Credit loss provision to net charge-offs | 162.1517% | 1,891 |
| Earnings coverage of net charge-offs (x) | 0.4893% | 5,252 |
| Efficiency ratio | 84.8697% | 1,644 |
| Assets per employee ($millions) | 3.3178% | 5,446 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2843% | 671 |
| Loan loss allowance to noncurrent loans | 68.4502% | 4,022 |
| Noncurrent assets plus other real estate owned to assets | 4.8398% | 1,201 |
| Noncurrent loans to loans | 4.7981% | 1,340 |
| Net loans and leases to total assets | 51.4431% | 5,519 |
| Net loans and leases to deposits | 65.7668% | 4,938 |
| Net loans and leases to core deposits | 69.9075% | 4,957 |
| Total domestic deposits to total assets | 78.2205% | 6,149 |
| Equity capital to assets | 8.6350% | 6,163 |
| Core capital (leverage) ratio | 8.1151% | 6,260 |
| Tier 1 risk-based capital ratio | 13.6700% | 4,603 |
| Total risk-based capital ratio | 14.9393% | 4,551 |
| Memoranda: | ||
| Average total assets | $163,942,750 | 3,607 |
| Average earning assets | $142,522,000 | 3,727 |
| Average equity | $13,538,500 | 4,234 |
| Average total loans | $89,086,500 | 3,926 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0419% | 2,959 |
| Cost of funding earning assets | 1.3331% | 1,742 |
| Net interest margin | 3.7088% | 4,219 |
| Noninterest income to average assets | 0.9002% | 1,643 |
| Noninterest expense to average assets | 3.4063% | 2,238 |
| Loan and lease loss provision to assets | 2.8005% | 170 |
| Net operating income to assets | -2.0742% | 7,204 |
| Return on assets (ROA) | -2.0803% | 7,213 |
| Pretax return on assets | -2.0803% | 7,179 |
| Return on Equity (ROE) | -25.5758% | 7,200 |
| Retained earnings to average equity (ytd only) | -25.5758% | 7,191 |
| Net charge-offs to loans | 3.1970% | 304 |
| Credit loss provision to net charge-offs | 160.0834% | 1,896 |
| Earnings coverage of net charge-offs (x) | 0.4152% | 4,991 |
| Efficiency ratio | 82.4257% | 2,042 |
| Assets per employee ($millions) | 2.9748% | 6,140 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1788% | 776 |
| Loan loss allowance to noncurrent loans | 73.4546% | 3,795 |
| Noncurrent assets plus other real estate owned to assets | 4.6390% | 1,346 |
| Noncurrent loans to loans | 4.3276% | 1,559 |
| Net loans and leases to total assets | 52.0468% | 5,556 |
| Net loans and leases to deposits | 66.5693% | 4,911 |
| Net loans and leases to core deposits | 71.1700% | 4,929 |
| Total domestic deposits to total assets | 78.1845% | 6,254 |
| Equity capital to assets | 8.5783% | 6,084 |
| Core capital (leverage) ratio | 8.0474% | 6,244 |
| Tier 1 risk-based capital ratio | 13.7354% | 4,356 |
| Total risk-based capital ratio | 15.0056% | 4,310 |
| Memoranda: | ||
| Average total assets | $164,400,330 | 3,611 |
| Average earning assets | $143,279,670 | 3,737 |
| Average equity | $13,372,000 | 4,265 |
| Average total loans | $89,958,330 | 3,937 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8864% | 3,654 |
| Cost of funding earning assets | 1.3941% | 1,634 |
| Net interest margin | 3.4922% | 5,046 |
| Noninterest income to average assets | 0.7578% | 2,229 |
| Noninterest expense to average assets | 3.2643% | 2,664 |
| Loan and lease loss provision to assets | 2.1698% | 248 |
| Net operating income to assets | -1.6213% | 7,225 |
| Return on assets (ROA) | -1.6334% | 7,231 |
| Pretax return on assets | -1.6334% | 7,201 |
| Return on Equity (ROE) | -20.6258% | 7,225 |
| Retained earnings to average equity (ytd only) | -20.6258% | 7,163 |
| Net charge-offs to loans | 5.4969% | 129 |
| Credit loss provision to net charge-offs | 71.5305% | 3,325 |
| Earnings coverage of net charge-offs (x) | 0.1808% | 4,475 |
| Efficiency ratio | 85.6151% | 1,758 |
| Assets per employee ($millions) | 3.2479% | 5,598 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7074% | 3,314 |
| Loan loss allowance to noncurrent loans | 46.9174% | 5,173 |
| Noncurrent assets plus other real estate owned to assets | 4.1148% | 1,612 |
| Noncurrent loans to loans | 3.6391% | 2,037 |
| Net loans and leases to total assets | 52.8963% | 5,467 |
| Net loans and leases to deposits | 66.9693% | 4,829 |
| Net loans and leases to core deposits | 72.4515% | 4,733 |
| Total domestic deposits to total assets | 78.9858% | 6,193 |
| Equity capital to assets | 8.3069% | 6,153 |
| Core capital (leverage) ratio | 8.0839% | 6,148 |
| Tier 1 risk-based capital ratio | 13.3641% | 4,532 |
| Total risk-based capital ratio | 14.6170% | 4,508 |
| Memoranda: | ||
| Average total assets | $166,281,500 | 3,617 |
| Average earning assets | $145,466,000 | 3,720 |
| Average equity | $13,168,000 | 4,300 |
| Average total loans | $91,761,500 | 3,938 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1843% | 3,677 |
| Cost of funding earning assets | 1.9552% | 711 |
| Net interest margin | 3.2291% | 6,194 |
| Noninterest income to average assets | 0.6352% | 3,243 |
| Noninterest expense to average assets | 3.1749% | 3,174 |
| Loan and lease loss provision to assets | 1.0689% | 1,501 |
| Net operating income to assets | -0.7231% | 6,533 |
| Return on assets (ROA) | -0.3515% | 6,291 |
| Pretax return on assets | -0.3515% | 6,197 |
| Return on Equity (ROE) | -4.5896% | 6,399 |
| Retained earnings to average equity (ytd only) | -5.9709% | 6,381 |
| Net charge-offs to loans | 1.3273% | 1,683 |
| Credit loss provision to net charge-offs | 146.5848% | 2,507 |
| Earnings coverage of net charge-offs (x) | 0.4743% | 5,637 |
| Efficiency ratio | 90.1764% | 1,310 |
| Assets per employee ($millions) | 3.2729% | 5,483 |
| Cash dividends to net income (ytd only)* | -30.0955% | 7,548 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9930% | 2,321 |
| Loan loss allowance to noncurrent loans | 52.8222% | 4,845 |
| Noncurrent assets plus other real estate owned to assets | 3.4466% | 2,024 |
| Noncurrent loans to loans | 3.7730% | 1,964 |
| Net loans and leases to total assets | 55.4164% | 5,428 |
| Net loans and leases to deposits | 69.5353% | 4,874 |
| Net loans and leases to core deposits | 75.2216% | 4,827 |
| Total domestic deposits to total assets | 79.6954% | 5,914 |
| Equity capital to assets | 7.5342% | 6,867 |
| Core capital (leverage) ratio | 7.0115% | 7,025 |
| Tier 1 risk-based capital ratio | 11.5290% | 5,879 |
| Total risk-based capital ratio | 12.7855% | 5,883 |
| Memoranda: | ||
| Average total assets | $178,682,800 | 3,400 |
| Average earning assets | $159,674,800 | 3,461 |
| Average equity | $13,683,000 | 4,218 |
| Average total loans | $98,166,400 | 3,850 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1735% | 3,967 |
| Cost of funding earning assets | 2.0394% | 664 |
| Net interest margin | 3.1341% | 6,524 |
| Noninterest income to average assets | 0.6328% | 3,236 |
| Noninterest expense to average assets | 2.8476% | 4,288 |
| Loan and lease loss provision to assets | 0.9881% | 1,509 |
| Net operating income to assets | -0.3927% | 6,512 |
| Return on assets (ROA) | -0.1916% | 6,376 |
| Pretax return on assets | -0.1916% | 6,311 |
| Return on Equity (ROE) | -2.4928% | 6,450 |
| Retained earnings to average equity (ytd only) | -4.2884% | 6,491 |
| Net charge-offs to loans | 1.0372% | 1,949 |
| Credit loss provision to net charge-offs | 174.5785% | 2,112 |
| Earnings coverage of net charge-offs (x) | 1.0519% | 5,006 |
| Efficiency ratio | 82.7079% | 1,983 |
| Assets per employee ($millions) | 3.7020% | 4,506 |
| Cash dividends to net income (ytd only)* | -72.0308% | 7,703 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9090% | 2,457 |
| Loan loss allowance to noncurrent loans | 51.7348% | 4,845 |
| Noncurrent assets plus other real estate owned to assets | 2.4559% | 2,911 |
| Noncurrent loans to loans | 3.6899% | 2,110 |
| Net loans and leases to total assets | 53.4677% | 5,925 |
| Net loans and leases to deposits | 70.4326% | 5,082 |
| Net loans and leases to core deposits | 76.1438% | 5,038 |
| Total domestic deposits to total assets | 75.9134% | 6,673 |
| Equity capital to assets | 7.6029% | 7,060 |
| Core capital (leverage) ratio | 6.9571% | 7,186 |
| Tier 1 risk-based capital ratio | 11.3208% | 6,083 |
| Total risk-based capital ratio | 12.5846% | 6,066 |
| Memoranda: | ||
| Average total assets | $181,624,000 | 3,402 |
| Average earning assets | $162,851,000 | 3,448 |
| Average equity | $13,959,750 | 4,209 |
| Average total loans | $99,112,750 | 3,881 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2168% | 3,868 |
| Cost of funding earning assets | 2.0874% | 690 |
| Net interest margin | 3.1293% | 6,519 |
| Noninterest income to average assets | 0.6385% | 3,071 |
| Noninterest expense to average assets | 2.8338% | 4,342 |
| Loan and lease loss provision to assets | 0.7314% | 1,987 |
| Net operating income to assets | -0.1159% | 6,254 |
| Return on assets (ROA) | 0.1837% | 5,740 |
| Pretax return on assets | 0.1837% | 5,808 |
| Return on Equity (ROE) | 2.3813% | 5,509 |
| Retained earnings to average equity (ytd only) | -0.2835% | 5,789 |
| Net charge-offs to loans | 0.8171% | 2,204 |
| Credit loss provision to net charge-offs | 163.9706% | 2,406 |
| Earnings coverage of net charge-offs (x) | 1.3799% | 4,450 |
| Efficiency ratio | 82.1553% | 2,142 |
| Assets per employee ($millions) | 3.6446% | 4,600 |
| Cash dividends to net income (ytd only)* | 111.9048% | 345 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5713% | 3,577 |
| Loan loss allowance to noncurrent loans | 47.7004% | 5,115 |
| Noncurrent assets plus other real estate owned to assets | 2.2659% | 3,176 |
| Noncurrent loans to loans | 3.2942% | 2,430 |
| Net loans and leases to total assets | 54.9619% | 5,847 |
| Net loans and leases to deposits | 72.8226% | 4,868 |
| Net loans and leases to core deposits | 78.5722% | 4,856 |
| Total domestic deposits to total assets | 75.4737% | 6,782 |
| Equity capital to assets | 7.9540% | 6,802 |
| Core capital (leverage) ratio | 6.9089% | 7,236 |
| Tier 1 risk-based capital ratio | 11.6233% | 5,653 |
| Total risk-based capital ratio | 12.8836% | 5,605 |
| Memoranda: | ||
| Average total assets | $182,933,330 | 3,398 |
| Average earning assets | $164,315,330 | 3,437 |
| Average equity | $14,109,670 | 4,177 |
| Average total loans | $99,864,000 | 3,905 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2117% | 3,957 |
| Cost of funding earning assets | 2.1415% | 709 |
| Net interest margin | 3.0702% | 6,668 |
| Noninterest income to average assets | 0.6698% | 2,811 |
| Noninterest expense to average assets | 2.8353% | 4,343 |
| Loan and lease loss provision to assets | 0.6206% | 2,045 |
| Net operating income to assets | -0.0556% | 6,378 |
| Return on assets (ROA) | 0.3445% | 5,230 |
| Pretax return on assets | 0.3445% | 5,478 |
| Return on Equity (ROE) | 4.5330% | 4,636 |
| Retained earnings to average equity (ytd only) | 1.5204% | 5,182 |
| Net charge-offs to loans | 0.7568% | 1,996 |
| Credit loss provision to net charge-offs | 151.8325% | 2,354 |
| Earnings coverage of net charge-offs (x) | 1.3822% | 3,917 |
| Efficiency ratio | 83.3858% | 2,089 |
| Assets per employee ($millions) | 4.2699% | 3,342 |
| Cash dividends to net income (ytd only)* | 66.4596% | 1,108 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3799% | 4,518 |
| Loan loss allowance to noncurrent loans | 45.4335% | 5,323 |
| Noncurrent assets plus other real estate owned to assets | 1.9823% | 3,522 |
| Noncurrent loans to loans | 3.0372% | 2,641 |
| Net loans and leases to total assets | 51.0687% | 6,369 |
| Net loans and leases to deposits | 65.7441% | 5,850 |
| Net loans and leases to core deposits | 69.9812% | 5,918 |
| Total domestic deposits to total assets | 77.6780% | 6,404 |
| Equity capital to assets | 7.4011% | 7,137 |
| Core capital (leverage) ratio | 6.8486% | 7,329 |
| Tier 1 risk-based capital ratio | 10.6447% | 6,499 |
| Total risk-based capital ratio | 11.7871% | 6,586 |
| Memoranda: | ||
| Average total assets | $186,928,500 | 3,403 |
| Average earning assets | $166,242,000 | 3,460 |
| Average equity | $14,207,000 | 4,196 |
| Average total loans | $100,952,500 | 3,927 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5589% | 3,821 |
| Cost of funding earning assets | 2.4646% | 1,107 |
| Net interest margin | 3.0943% | 6,387 |
| Noninterest income to average assets | 0.7808% | 2,504 |
| Noninterest expense to average assets | 2.7451% | 5,181 |
| Loan and lease loss provision to assets | 0.4170% | 4,317 |
| Net operating income to assets | 0.4317% | 4,000 |
| Return on assets (ROA) | 0.4665% | 3,987 |
| Pretax return on assets | 0.4665% | 4,301 |
| Return on Equity (ROE) | 6.1657% | 3,144 |
| Retained earnings to average equity (ytd only) | 0.0575% | 4,875 |
| Net charge-offs to loans | 0.6497% | 3,240 |
| Credit loss provision to net charge-offs | 112.7941% | 4,864 |
| Earnings coverage of net charge-offs (x) | 2.2956% | 4,004 |
| Efficiency ratio | 76.3843% | 3,460 |
| Assets per employee ($millions) | 3.9502% | 3,918 |
| Cash dividends to net income (ytd only)* | 99.0676% | 653 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2441% | 5,101 |
| Loan loss allowance to noncurrent loans | 45.1293% | 5,389 |
| Noncurrent assets plus other real estate owned to assets | 2.0175% | 3,375 |
| Noncurrent loans to loans | 2.7567% | 2,802 |
| Net loans and leases to total assets | 55.6552% | 6,004 |
| Net loans and leases to deposits | 73.4201% | 5,132 |
| Net loans and leases to core deposits | 86.2915% | 5,492 |
| Total domestic deposits to total assets | 75.8038% | 6,716 |
| Equity capital to assets | 7.8108% | 6,755 |
| Core capital (leverage) ratio | 6.8026% | 7,366 |
| Tier 1 risk-based capital ratio | 10.5331% | 6,359 |
| Total risk-based capital ratio | 11.5865% | 6,525 |
| Memoranda: | ||
| Average total assets | $183,925,600 | 3,365 |
| Average earning assets | $167,208,400 | 3,394 |
| Average equity | $13,915,600 | 4,273 |
| Average total loans | $104,667,400 | 3,815 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5606% | 4,094 |
| Cost of funding earning assets | 2.5077% | 1,272 |
| Net interest margin | 3.0529% | 6,455 |
| Noninterest income to average assets | 0.7856% | 2,506 |
| Noninterest expense to average assets | 2.7413% | 5,143 |
| Loan and lease loss provision to assets | 0.3195% | 4,431 |
| Net operating income to assets | 0.5175% | 3,914 |
| Return on assets (ROA) | 0.5175% | 4,007 |
| Pretax return on assets | 0.5175% | 4,463 |
| Return on Equity (ROE) | 6.8946% | 3,120 |
| Retained earnings to average equity (ytd only) | -1.2903% | 5,556 |
| Net charge-offs to loans | 0.4853% | 3,287 |
| Credit loss provision to net charge-offs | 115.4047% | 4,402 |
| Earnings coverage of net charge-offs (x) | 3.0235% | 3,718 |
| Efficiency ratio | 76.6108% | 3,399 |
| Assets per employee ($millions) | 4.1563% | 3,450 |
| Cash dividends to net income (ytd only)* | 118.7160% | 414 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1851% | 5,192 |
| Loan loss allowance to noncurrent loans | 78.1544% | 3,497 |
| Noncurrent assets plus other real estate owned to assets | 1.1233% | 4,832 |
| Noncurrent loans to loans | 1.5163% | 4,383 |
| Net loans and leases to total assets | 55.5052% | 6,199 |
| Net loans and leases to deposits | 72.8379% | 5,531 |
| Net loans and leases to core deposits | 85.6501% | 5,899 |
| Total domestic deposits to total assets | 76.2037% | 6,547 |
| Equity capital to assets | 7.8093% | 7,031 |
| Core capital (leverage) ratio | 6.8170% | 7,537 |
| Tier 1 risk-based capital ratio | 10.1239% | 6,854 |
| Total risk-based capital ratio | 11.1245% | 7,041 |
| Memoranda: | ||
| Average total assets | $184,479,500 | 3,396 |
| Average earning assets | $168,754,500 | 3,393 |
| Average equity | $13,846,250 | 4,323 |
| Average total loans | $105,233,000 | 3,845 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5185% | 4,520 |
| Cost of funding earning assets | 2.5113% | 1,572 |
| Net interest margin | 3.0072% | 6,531 |
| Noninterest income to average assets | 0.7668% | 2,609 |
| Noninterest expense to average assets | 2.7980% | 4,967 |
| Loan and lease loss provision to assets | 0.2451% | 4,620 |
| Net operating income to assets | 0.5108% | 4,044 |
| Return on assets (ROA) | 0.5108% | 4,165 |
| Pretax return on assets | 0.5108% | 4,583 |
| Return on Equity (ROE) | 6.9006% | 3,250 |
| Retained earnings to average equity (ytd only) | -5.6058% | 6,396 |
| Net charge-offs to loans | 0.4692% | 2,954 |
| Credit loss provision to net charge-offs | 91.0931% | 4,885 |
| Earnings coverage of net charge-offs (x) | 2.8097% | 3,684 |
| Efficiency ratio | 78.7312% | 3,230 |
| Assets per employee ($millions) | 3.9920% | 3,694 |
| Cash dividends to net income (ytd only)* | 181.2367% | 268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1069% | 5,554 |
| Loan loss allowance to noncurrent loans | 104.3907% | 2,790 |
| Noncurrent assets plus other real estate owned to assets | 0.6965% | 5,665 |
| Noncurrent loans to loans | 1.0603% | 5,092 |
| Net loans and leases to total assets | 56.6823% | 6,126 |
| Net loans and leases to deposits | 76.0210% | 5,172 |
| Net loans and leases to core deposits | 90.1976% | 5,518 |
| Total domestic deposits to total assets | 74.5614% | 6,857 |
| Equity capital to assets | 7.5057% | 7,258 |
| Core capital (leverage) ratio | 6.6877% | 7,706 |
| Tier 1 risk-based capital ratio | 9.9974% | 6,931 |
| Total risk-based capital ratio | 10.9405% | 7,178 |
| Memoranda: | ||
| Average total assets | $183,628,330 | 3,429 |
| Average earning assets | $170,190,330 | 3,391 |
| Average equity | $13,593,000 | 4,400 |
| Average total loans | $105,291,330 | 3,886 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4760% | 5,037 |
| Cost of funding earning assets | 2.4850% | 1,971 |
| Net interest margin | 2.9909% | 6,504 |
| Noninterest income to average assets | 0.8060% | 2,294 |
| Noninterest expense to average assets | 2.7077% | 4,965 |
| Loan and lease loss provision to assets | 0.2178% | 4,275 |
| Net operating income to assets | 0.6753% | 3,685 |
| Return on assets (ROA) | 0.6753% | 3,866 |
| Pretax return on assets | 0.6753% | 4,509 |
| Return on Equity (ROE) | 9.1865% | 2,640 |
| Retained earnings to average equity (ytd only) | -16.0024% | 7,490 |
| Net charge-offs to loans | 0.2583% | 3,114 |
| Credit loss provision to net charge-offs | 147.0588% | 2,824 |
| Earnings coverage of net charge-offs (x) | 6.0294% | 2,560 |
| Efficiency ratio | 75.1966% | 3,622 |
| Assets per employee ($millions) | 3.7964% | 4,102 |
| Cash dividends to net income (ytd only)* | 274.1935% | 178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1573% | 5,069 |
| Loan loss allowance to noncurrent loans | 146.5144% | 2,203 |
| Noncurrent assets plus other real estate owned to assets | 0.5674% | 5,768 |
| Noncurrent loans to loans | 0.7899% | 5,468 |
| Net loans and leases to total assets | 57.1356% | 6,077 |
| Net loans and leases to deposits | 76.5193% | 5,148 |
| Net loans and leases to core deposits | 91.7225% | 5,375 |
| Total domestic deposits to total assets | 74.6683% | 6,774 |
| Equity capital to assets | 7.3381% | 7,464 |
| Core capital (leverage) ratio | 6.8295% | 7,748 |
| Tier 1 risk-based capital ratio | 9.9895% | 6,936 |
| Total risk-based capital ratio | 10.9885% | 7,122 |
| Memoranda: | ||
| Average total assets | $183,625,500 | 3,449 |
| Average earning assets | $171,586,500 | 3,396 |
| Average equity | $13,498,000 | 4,443 |
| Average total loans | $105,310,500 | 3,898 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3251% | 3,822 |
| Cost of funding earning assets | 3.0574% | 1,650 |
| Net interest margin | 3.2677% | 6,148 |
| Noninterest income to average assets | 0.7531% | 2,762 |
| Noninterest expense to average assets | 2.8087% | 4,785 |
| Loan and lease loss provision to assets | 0.1175% | 5,866 |
| Net operating income to assets | 0.8548% | 3,205 |
| Return on assets (ROA) | 0.8548% | 3,044 |
| Pretax return on assets | 0.8548% | 3,871 |
| Return on Equity (ROE) | 11.5441% | 1,740 |
| Retained earnings to average equity (ytd only) | 3.8873% | 2,710 |
| Net charge-offs to loans | 0.1776% | 4,424 |
| Credit loss provision to net charge-offs | 109.1892% | 4,925 |
| Earnings coverage of net charge-offs (x) | 9.0378% | 2,765 |
| Efficiency ratio | 74.2848% | 3,524 |
| Assets per employee ($millions) | 3.8547% | 3,848 |
| Cash dividends to net income (ytd only)* | 66.3265% | 2,357 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1274% | 5,085 |
| Loan loss allowance to noncurrent loans | 273.5023% | 1,472 |
| Noncurrent assets plus other real estate owned to assets | 0.3189% | 6,331 |
| Noncurrent loans to loans | 0.4122% | 6,108 |
| Net loans and leases to total assets | 56.2621% | 6,404 |
| Net loans and leases to deposits | 75.1710% | 5,710 |
| Net loans and leases to core deposits | 89.5360% | 5,843 |
| Total domestic deposits to total assets | 74.8456% | 6,488 |
| Equity capital to assets | 7.3633% | 7,501 |
| Core capital (leverage) ratio | 7.2611% | 7,458 |
| Tier 1 risk-based capital ratio | 10.5866% | 6,121 |
| Total risk-based capital ratio | 11.5738% | 6,267 |
| Memoranda: | ||
| Average total assets | $171,966,000 | 3,519 |
| Average earning assets | $159,349,400 | 3,483 |
| Average equity | $12,733,800 | 4,639 |
| Average total loans | $104,148,800 | 3,845 |