Home > Greeneville Federal Bank, FSB > Performance and Condition Ratios
Greeneville Federal Bank, FSB, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7903% | 845 |
| Cost of funding earning assets | 1.2859% | 2,566 |
| Net interest margin | 4.5044% | 614 |
| Noninterest income to average assets | 0.3100% | 3,052 |
| Noninterest expense to average assets | 3.5256% | 563 |
| Loan and lease loss provision to assets | -0.3500% | 4,577 |
| Net operating income to assets | 0.9918% | 2,250 |
| Return on assets (ROA) | 0.9918% | 2,228 |
| Pretax return on assets | 1.2876% | 1,906 |
| Return on Equity (ROE) | 6.5500% | 3,402 |
| Retained earnings to average equity (ytd only) | 6.5488% | 2,045 |
| Net charge-offs to loans | -0.3677% | 4,584 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 79.0261% | 987 |
| Assets per employee ($millions) | 4.9224% | 3,693 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5243% | 988 |
| Loan loss allowance to noncurrent loans | 1,270.6215% | 762 |
| Noncurrent assets plus other real estate owned to assets | 0.1732% | 2,373 |
| Noncurrent loans to loans | 0.1200% | 2,918 |
| Net loans and leases to total assets | 81.9900% | 432 |
| Net loans and leases to deposits | 113.4146% | 142 |
| Net loans and leases to core deposits | 121.5782% | 577 |
| Total domestic deposits to total assets | 72.2900% | 4,214 |
| Equity capital to assets | 14.8736% | 564 |
| Core capital (leverage) ratio | 15.0416% | 621 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.4143% | 517 |
| Memoranda: | ||
| Average total assets | $169,391,400 | 3,194 |
| Average earning assets | $156,003,200 | 3,201 |
| Average equity | $25,653,600 | 2,481 |
| Average total loans | $140,620,200 | 2,764 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6780% | 817 |
| Cost of funding earning assets | 1.1160% | 2,696 |
| Net interest margin | 4.5620% | 564 |
| Noninterest income to average assets | 0.3100% | 3,041 |
| Noninterest expense to average assets | 3.5443% | 520 |
| Loan and lease loss provision to assets | -0.4800% | 4,612 |
| Net operating income to assets | 1.0575% | 2,196 |
| Return on assets (ROA) | 1.0575% | 2,187 |
| Pretax return on assets | 1.4365% | 1,699 |
| Return on Equity (ROE) | 6.9500% | 3,446 |
| Retained earnings to average equity (ytd only) | 6.9497% | 2,303 |
| Net charge-offs to loans | -0.5232% | 4,619 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 78.6674% | 958 |
| Assets per employee ($millions) | 4.7183% | 3,795 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6041% | 875 |
| Loan loss allowance to noncurrent loans | 585.0900% | 1,306 |
| Noncurrent assets plus other real estate owned to assets | 0.3103% | 1,777 |
| Noncurrent loans to loans | 0.2742% | 2,257 |
| Net loans and leases to total assets | 82.1900% | 420 |
| Net loans and leases to deposits | 109.6391% | 208 |
| Net loans and leases to core deposits | 116.7856% | 644 |
| Total domestic deposits to total assets | 74.9700% | 4,090 |
| Equity capital to assets | 15.2811% | 503 |
| Core capital (leverage) ratio | 15.3072% | 582 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.1833% | 477 |
| Memoranda: | ||
| Average total assets | $167,437,750 | 3,218 |
| Average earning assets | $154,111,500 | 3,225 |
| Average equity | $25,477,750 | 2,478 |
| Average total loans | $138,890,000 | 2,788 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5351% | 793 |
| Cost of funding earning assets | 0.9495% | 2,772 |
| Net interest margin | 4.5856% | 546 |
| Noninterest income to average assets | 0.3100% | 3,022 |
| Noninterest expense to average assets | 3.5311% | 522 |
| Loan and lease loss provision to assets | -0.5600% | 4,637 |
| Net operating income to assets | 1.1462% | 1,978 |
| Return on assets (ROA) | 1.1462% | 1,977 |
| Pretax return on assets | 1.5555% | 1,489 |
| Return on Equity (ROE) | 7.5400% | 3,355 |
| Retained earnings to average equity (ytd only) | 7.5439% | 2,116 |
| Net charge-offs to loans | -0.5947% | 4,640 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 78.0164% | 1,000 |
| Assets per employee ($millions) | 4.6914% | 3,828 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6094% | 919 |
| Loan loss allowance to noncurrent loans | 438.4170% | 1,699 |
| Noncurrent assets plus other real estate owned to assets | 0.3884% | 1,366 |
| Noncurrent loans to loans | 0.3671% | 1,828 |
| Net loans and leases to total assets | 82.2100% | 401 |
| Net loans and leases to deposits | 107.1792% | 271 |
| Net loans and leases to core deposits | 112.8276% | 719 |
| Total domestic deposits to total assets | 76.7000% | 3,985 |
| Equity capital to assets | 15.1638% | 509 |
| Core capital (leverage) ratio | 15.2606% | 556 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.2294% | 474 |
| Memoranda: | ||
| Average total assets | $166,631,333 | 3,236 |
| Average earning assets | $153,349,000 | 3,243 |
| Average equity | $25,318,333 | 2,505 |
| Average total loans | $137,891,667 | 2,793 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3992% | 716 |
| Cost of funding earning assets | 0.7676% | 2,849 |
| Net interest margin | 4.6316% | 488 |
| Noninterest income to average assets | 0.3100% | 2,990 |
| Noninterest expense to average assets | 3.5141% | 527 |
| Loan and lease loss provision to assets | -1.1200% | 4,668 |
| Net operating income to assets | 1.6048% | 972 |
| Return on assets (ROA) | 1.6048% | 967 |
| Pretax return on assets | 2.1776% | 590 |
| Return on Equity (ROE) | 10.5500% | 2,622 |
| Retained earnings to average equity (ytd only) | 10.5512% | 1,569 |
| Net charge-offs to loans | -1.3648% | 4,683 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 76.8905% | 1,091 |
| Assets per employee ($millions) | 4.6248% | 3,944 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6959% | 815 |
| Loan loss allowance to noncurrent loans | 511.8681% | 1,611 |
| Noncurrent assets plus other real estate owned to assets | 0.3550% | 1,446 |
| Noncurrent loans to loans | 0.3313% | 1,968 |
| Net loans and leases to total assets | 81.0800% | 449 |
| Net loans and leases to deposits | 103.0306% | 330 |
| Net loans and leases to core deposits | 106.8571% | 800 |
| Total domestic deposits to total assets | 78.7000% | 3,923 |
| Equity capital to assets | 15.2128% | 464 |
| Core capital (leverage) ratio | 15.2734% | 543 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.0928% | 496 |
| Memoranda: | ||
| Average total assets | $165,502,500 | 3,292 |
| Average earning assets | $152,171,500 | 3,299 |
| Average equity | $25,172,500 | 2,537 |
| Average total loans | $136,282,000 | 2,837 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0479% | 279 |
| Cost of funding earning assets | 0.1785% | 3,926 |
| Net interest margin | 4.8694% | 162 |
| Noninterest income to average assets | 0.3500% | 3,007 |
| Noninterest expense to average assets | 3.6245% | 442 |
| Loan and lease loss provision to assets | -0.4800% | 4,691 |
| Net operating income to assets | 1.2547% | 1,585 |
| Return on assets (ROA) | 1.2547% | 1,534 |
| Pretax return on assets | 1.6562% | 1,023 |
| Return on Equity (ROE) | 8.3800% | 3,288 |
| Retained earnings to average equity (ytd only) | 8.3777% | 1,687 |
| Net charge-offs to loans | -0.5868% | 4,709 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 75.5648% | 1,061 |
| Assets per employee ($millions) | 4.8386% | 3,785 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4257% | 1,413 |
| Loan loss allowance to noncurrent loans | 644.8161% | 1,341 |
| Noncurrent assets plus other real estate owned to assets | 0.2644% | 1,839 |
| Noncurrent loans to loans | 0.2211% | 2,383 |
| Net loans and leases to total assets | 81.0300% | 496 |
| Net loans and leases to deposits | 100.3840% | 425 |
| Net loans and leases to core deposits | 101.9198% | 901 |
| Total domestic deposits to total assets | 80.7200% | 3,791 |
| Equity capital to assets | 15.2066% | 453 |
| Core capital (leverage) ratio | 15.4708% | 516 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.9270% | 483 |
| Memoranda: | ||
| Average total assets | $159,637,800 | 3,351 |
| Average earning assets | $145,685,400 | 3,368 |
| Average equity | $23,908,800 | 2,643 |
| Average total loans | $129,347,000 | 2,833 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8430% | 265 |
| Cost of funding earning assets | 0.1422% | 3,920 |
| Net interest margin | 4.7008% | 168 |
| Noninterest income to average assets | 0.3600% | 2,976 |
| Noninterest expense to average assets | 3.5845% | 454 |
| Loan and lease loss provision to assets | -0.4600% | 4,728 |
| Net operating income to assets | 1.1202% | 2,003 |
| Return on assets (ROA) | 1.1202% | 1,972 |
| Pretax return on assets | 1.5200% | 1,357 |
| Return on Equity (ROE) | 7.5100% | 3,461 |
| Retained earnings to average equity (ytd only) | 7.5095% | 2,186 |
| Net charge-offs to loans | -0.5589% | 4,740 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 77.2538% | 973 |
| Assets per employee ($millions) | 4.5597% | 4,011 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4651% | 1,406 |
| Loan loss allowance to noncurrent loans | 607.5710% | 1,380 |
| Noncurrent assets plus other real estate owned to assets | 0.3083% | 1,711 |
| Noncurrent loans to loans | 0.2411% | 2,418 |
| Net loans and leases to total assets | 81.1600% | 430 |
| Net loans and leases to deposits | 98.9390% | 410 |
| Net loans and leases to core deposits | 99.5596% | 831 |
| Total domestic deposits to total assets | 82.0300% | 3,837 |
| Equity capital to assets | 15.2372% | 435 |
| Core capital (leverage) ratio | 15.3034% | 510 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.8445% | 501 |
| Memoranda: | ||
| Average total assets | $158,418,750 | 3,379 |
| Average earning assets | $144,369,750 | 3,412 |
| Average equity | $23,631,750 | 2,701 |
| Average total loans | $127,874,750 | 2,847 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6738% | 267 |
| Cost of funding earning assets | 0.1378% | 3,735 |
| Net interest margin | 4.5360% | 182 |
| Noninterest income to average assets | 0.3556% | 3,025 |
| Noninterest expense to average assets | 3.5804% | 404 |
| Loan and lease loss provision to assets | -0.2987% | 4,721 |
| Net operating income to assets | 0.8859% | 2,641 |
| Return on assets (ROA) | 0.8859% | 2,614 |
| Pretax return on assets | 1.1985% | 2,081 |
| Return on Equity (ROE) | 5.9821% | 3,577 |
| Retained earnings to average equity (ytd only) | 5.9821% | 2,344 |
| Net charge-offs to loans | -0.3063% | 4,650 |
| Credit loss provision to net charge-offs | 121.6495% | 1,179 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.9153% | 954 |
| Assets per employee ($millions) | 4.4150% | 4,141 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4743% | 1,476 |
| Loan loss allowance to noncurrent loans | 591.9003% | 1,373 |
| Noncurrent assets plus other real estate owned to assets | 0.3196% | 1,725 |
| Noncurrent loans to loans | 0.2491% | 2,484 |
| Net loans and leases to total assets | 79.8907% | 414 |
| Net loans and leases to deposits | 95.7682% | 442 |
| Net loans and leases to core deposits | 96.1787% | 822 |
| Total domestic deposits to total assets | 83.4209% | 3,799 |
| Equity capital to assets | 14.9276% | 411 |
| Core capital (leverage) ratio | 14.9340% | 478 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.5606% | 501 |
| Memoranda: | ||
| Average total assets | $158,028,333 | 3,425 |
| Average earning assets | $143,695,667 | 3,461 |
| Average equity | $23,403,333 | 2,787 |
| Average total loans | $126,681,000 | 2,879 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5419% | 288 |
| Cost of funding earning assets | 0.1369% | 3,676 |
| Net interest margin | 4.4050% | 195 |
| Noninterest income to average assets | 0.3325% | 3,107 |
| Noninterest expense to average assets | 3.4829% | 425 |
| Loan and lease loss provision to assets | -0.3884% | 4,743 |
| Net operating income to assets | 0.9189% | 2,206 |
| Return on assets (ROA) | 0.9189% | 2,203 |
| Pretax return on assets | 1.2413% | 1,679 |
| Return on Equity (ROE) | 6.2301% | 3,275 |
| Retained earnings to average equity (ytd only) | 6.2301% | 2,164 |
| Net charge-offs to loans | -0.4714% | 4,708 |
| Credit loss provision to net charge-offs | 102.7027% | 999 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.3279% | 1,126 |
| Assets per employee ($millions) | 4.5437% | 4,109 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5268% | 1,471 |
| Loan loss allowance to noncurrent loans | 619.1693% | 1,289 |
| Noncurrent assets plus other real estate owned to assets | 0.3094% | 1,879 |
| Noncurrent loans to loans | 0.2466% | 2,611 |
| Net loans and leases to total assets | 78.5962% | 332 |
| Net loans and leases to deposits | 93.9428% | 365 |
| Net loans and leases to core deposits | 94.3435% | 720 |
| Total domestic deposits to total assets | 83.6639% | 3,836 |
| Equity capital to assets | 14.7175% | 424 |
| Core capital (leverage) ratio | 14.8601% | 452 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.4946% | 517 |
| Memoranda: | ||
| Average total assets | $157,572,000 | 3,444 |
| Average earning assets | $143,200,500 | 3,478 |
| Average equity | $23,242,000 | 2,890 |
| Average total loans | $125,582,000 | 2,897 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8906% | 310 |
| Cost of funding earning assets | 0.1845% | 3,602 |
| Net interest margin | 4.7062% | 205 |
| Noninterest income to average assets | 0.4157% | 2,973 |
| Noninterest expense to average assets | 3.5421% | 452 |
| Loan and lease loss provision to assets | -0.1731% | 4,658 |
| Net operating income to assets | 0.9969% | 2,682 |
| Return on assets (ROA) | 0.9969% | 2,750 |
| Pretax return on assets | 1.3178% | 2,307 |
| Return on Equity (ROE) | 7.1015% | 3,485 |
| Retained earnings to average equity (ytd only) | 7.1015% | 1,884 |
| Net charge-offs to loans | -0.1359% | 4,650 |
| Credit loss provision to net charge-offs | 162.1302% | 1,444 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5762% | 1,145 |
| Assets per employee ($millions) | 4.5916% | 4,046 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5632% | 1,352 |
| Loan loss allowance to noncurrent loans | 616.5079% | 1,222 |
| Noncurrent assets plus other real estate owned to assets | 0.2991% | 2,040 |
| Noncurrent loans to loans | 0.2535% | 2,709 |
| Net loans and leases to total assets | 78.3353% | 360 |
| Net loans and leases to deposits | 93.6724% | 398 |
| Net loans and leases to core deposits | 94.0795% | 779 |
| Total domestic deposits to total assets | 83.6269% | 3,651 |
| Equity capital to assets | 14.7832% | 523 |
| Core capital (leverage) ratio | 14.5053% | 535 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.6327% | 518 |
| Memoranda: | ||
| Average total assets | $158,295,200 | 3,409 |
| Average earning assets | $143,663,000 | 3,435 |
| Average equity | $22,220,600 | 3,041 |
| Average total loans | $124,356,400 | 2,908 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7913% | 415 |
| Cost of funding earning assets | 0.1952% | 3,655 |
| Net interest margin | 4.5961% | 269 |
| Noninterest income to average assets | 0.4432% | 2,872 |
| Noninterest expense to average assets | 3.4852% | 467 |
| Loan and lease loss provision to assets | -0.0630% | 4,506 |
| Net operating income to assets | 0.8822% | 3,301 |
| Return on assets (ROA) | 0.8822% | 3,374 |
| Pretax return on assets | 1.1919% | 2,958 |
| Return on Equity (ROE) | 6.3678% | 3,832 |
| Retained earnings to average equity (ytd only) | 6.3678% | 2,666 |
| Net charge-offs to loans | -0.0332% | 4,177 |
| Credit loss provision to net charge-offs | 241.9355% | 1,119 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5321% | 1,072 |
| Assets per employee ($millions) | 4.7537% | 3,927 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6252% | 1,273 |
| Loan loss allowance to noncurrent loans | 594.3620% | 1,197 |
| Noncurrent assets plus other real estate owned to assets | 0.3026% | 2,257 |
| Noncurrent loans to loans | 0.2734% | 2,822 |
| Net loans and leases to total assets | 75.0139% | 613 |
| Net loans and leases to deposits | 88.7596% | 671 |
| Net loans and leases to core deposits | 89.3107% | 1,073 |
| Total domestic deposits to total assets | 84.5136% | 3,293 |
| Equity capital to assets | 13.9588% | 745 |
| Core capital (leverage) ratio | 13.9150% | 657 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.0557% | 598 |
| Memoranda: | ||
| Average total assets | $158,840,000 | 3,441 |
| Average earning assets | $144,147,750 | 3,467 |
| Average equity | $22,006,000 | 3,088 |
| Average total loans | $124,386,500 | 2,950 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8085% | 459 |
| Cost of funding earning assets | 0.2167% | 3,580 |
| Net interest margin | 4.5917% | 311 |
| Noninterest income to average assets | 0.3217% | 3,501 |
| Noninterest expense to average assets | 3.4804% | 477 |
| Loan and lease loss provision to assets | -0.0950% | 4,615 |
| Net operating income to assets | 0.8106% | 3,477 |
| Return on assets (ROA) | 0.8106% | 3,548 |
| Pretax return on assets | 1.0956% | 3,232 |
| Return on Equity (ROE) | 5.8659% | 3,938 |
| Retained earnings to average equity (ytd only) | 5.8659% | 2,857 |
| Net charge-offs to loans | -0.0192% | 3,979 |
| Credit loss provision to net charge-offs | 625.0000% | 605 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6710% | 935 |
| Assets per employee ($millions) | 4.1889% | 4,335 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5883% | 1,304 |
| Loan loss allowance to noncurrent loans | 637.9421% | 1,050 |
| Noncurrent assets plus other real estate owned to assets | 0.3650% | 2,148 |
| Noncurrent loans to loans | 0.2490% | 3,056 |
| Net loans and leases to total assets | 77.2288% | 497 |
| Net loans and leases to deposits | 91.2297% | 583 |
| Net loans and leases to core deposits | 91.8033% | 1,017 |
| Total domestic deposits to total assets | 84.6531% | 3,241 |
| Equity capital to assets | 13.9158% | 730 |
| Core capital (leverage) ratio | 13.8365% | 655 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.5295% | 646 |
| Memoranda: | ||
| Average total assets | $157,911,333 | 3,451 |
| Average earning assets | $143,039,333 | 3,486 |
| Average equity | $21,821,000 | 3,102 |
| Average total loans | $124,767,000 | 2,962 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8452% | 454 |
| Cost of funding earning assets | 0.2531% | 3,448 |
| Net interest margin | 4.5921% | 318 |
| Noninterest income to average assets | 0.3154% | 3,521 |
| Noninterest expense to average assets | 3.4894% | 475 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.7248% | 3,650 |
| Return on assets (ROA) | 0.7248% | 3,714 |
| Pretax return on assets | 0.9792% | 3,432 |
| Return on Equity (ROE) | 5.2641% | 4,040 |
| Retained earnings to average equity (ytd only) | 5.2641% | 3,141 |
| Net charge-offs to loans | 0.2053% | 399 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 6.0156% | 1,658 |
| Efficiency ratio | 78.0876% | 946 |
| Assets per employee ($millions) | 4.2739% | 4,292 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5867% | 1,328 |
| Loan loss allowance to noncurrent loans | 252.9337% | 1,980 |
| Noncurrent assets plus other real estate owned to assets | 0.6918% | 1,359 |
| Noncurrent loans to loans | 0.6273% | 2,003 |
| Net loans and leases to total assets | 77.7758% | 479 |
| Net loans and leases to deposits | 91.5663% | 618 |
| Net loans and leases to core deposits | 92.3341% | 1,095 |
| Total domestic deposits to total assets | 84.9394% | 3,124 |
| Equity capital to assets | 13.7820% | 720 |
| Core capital (leverage) ratio | 13.7975% | 687 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.4240% | 633 |
| Memoranda: | ||
| Average total assets | $157,277,500 | 3,465 |
| Average earning assets | $142,243,000 | 3,495 |
| Average equity | $21,656,000 | 3,107 |
| Average total loans | $124,692,500 | 2,968 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1163% | 397 |
| Cost of funding earning assets | 0.6776% | 1,833 |
| Net interest margin | 4.4387% | 368 |
| Noninterest income to average assets | 0.2917% | 3,739 |
| Noninterest expense to average assets | 3.5247% | 672 |
| Loan and lease loss provision to assets | 1.8511% | 37 |
| Net operating income to assets | -0.7816% | 4,905 |
| Return on assets (ROA) | -0.7816% | 4,909 |
| Pretax return on assets | -1.0591% | 4,928 |
| Return on Equity (ROE) | -5.3508% | 4,898 |
| Retained earnings to average equity (ytd only) | -5.3508% | 4,839 |
| Net charge-offs to loans | 2.4315% | 38 |
| Credit loss provision to net charge-offs | 94.4664% | 2,895 |
| Earnings coverage of net charge-offs (x) | 0.4042% | 3,324 |
| Efficiency ratio | 81.6537% | 768 |
| Assets per employee ($millions) | 4.2276% | 4,197 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6453% | 1,178 |
| Loan loss allowance to noncurrent loans | 76.4376% | 3,654 |
| Noncurrent assets plus other real estate owned to assets | 1.9109% | 309 |
| Noncurrent loans to loans | 2.1525% | 505 |
| Net loans and leases to total assets | 78.2280% | 585 |
| Net loans and leases to deposits | 92.0086% | 777 |
| Net loans and leases to core deposits | 92.7865% | 1,321 |
| Total domestic deposits to total assets | 85.0225% | 2,751 |
| Equity capital to assets | 13.7565% | 855 |
| Core capital (leverage) ratio | 13.5125% | 780 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.8427% | 677 |
| Memoranda: | ||
| Average total assets | $154,937,000 | 3,342 |
| Average earning assets | $140,492,800 | 3,378 |
| Average equity | $22,632,000 | 2,966 |
| Average total loans | $124,860,400 | 2,926 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1873% | 426 |
| Cost of funding earning assets | 0.7614% | 1,672 |
| Net interest margin | 4.4259% | 449 |
| Noninterest income to average assets | 0.2872% | 3,765 |
| Noninterest expense to average assets | 3.4970% | 711 |
| Loan and lease loss provision to assets | 0.5363% | 522 |
| Net operating income to assets | 0.2010% | 4,594 |
| Return on assets (ROA) | 0.2010% | 4,636 |
| Pretax return on assets | 0.2700% | 4,581 |
| Return on Equity (ROE) | 1.3560% | 4,649 |
| Retained earnings to average equity (ytd only) | 1.3560% | 4,131 |
| Net charge-offs to loans | 0.8012% | 170 |
| Credit loss provision to net charge-offs | 82.8229% | 2,740 |
| Earnings coverage of net charge-offs (x) | 1.2450% | 3,084 |
| Efficiency ratio | 81.2588% | 774 |
| Assets per employee ($millions) | 4.3716% | 3,980 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6465% | 989 |
| Loan loss allowance to noncurrent loans | 33.7104% | 4,256 |
| Noncurrent assets plus other real estate owned to assets | 4.1480% | 78 |
| Noncurrent loans to loans | 4.8842% | 114 |
| Net loans and leases to total assets | 79.1774% | 689 |
| Net loans and leases to deposits | 94.1674% | 914 |
| Net loans and leases to core deposits | 95.6536% | 1,486 |
| Total domestic deposits to total assets | 84.0815% | 2,789 |
| Equity capital to assets | 14.5898% | 711 |
| Core capital (leverage) ratio | 14.4526% | 633 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.0697% | 579 |
| Memoranda: | ||
| Average total assets | $154,566,000 | 3,323 |
| Average earning assets | $140,262,500 | 3,365 |
| Average equity | $22,910,500 | 2,945 |
| Average total loans | $124,972,500 | 2,927 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4457% | 370 |
| Cost of funding earning assets | 0.8524% | 1,588 |
| Net interest margin | 4.5933% | 418 |
| Noninterest income to average assets | 0.2825% | 3,772 |
| Noninterest expense to average assets | 3.5202% | 734 |
| Loan and lease loss provision to assets | 0.0989% | 3,037 |
| Net operating income to assets | 0.6132% | 3,692 |
| Return on assets (ROA) | 0.6132% | 3,770 |
| Pretax return on assets | 0.8306% | 3,507 |
| Return on Equity (ROE) | 4.1147% | 4,068 |
| Retained earnings to average equity (ytd only) | 4.1147% | 2,854 |
| Net charge-offs to loans | 0.1929% | 796 |
| Credit loss provision to net charge-offs | 63.3333% | 2,574 |
| Earnings coverage of net charge-offs (x) | 5.9500% | 2,479 |
| Efficiency ratio | 79.1106% | 950 |
| Assets per employee ($millions) | 4.4767% | 3,820 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6691% | 875 |
| Loan loss allowance to noncurrent loans | 63.1288% | 3,828 |
| Noncurrent assets plus other real estate owned to assets | 2.3275% | 263 |
| Noncurrent loans to loans | 2.6439% | 422 |
| Net loans and leases to total assets | 79.3618% | 677 |
| Net loans and leases to deposits | 94.1653% | 950 |
| Net loans and leases to core deposits | 95.6083% | 1,604 |
| Total domestic deposits to total assets | 84.2792% | 2,646 |
| Equity capital to assets | 14.3955% | 756 |
| Core capital (leverage) ratio | 14.4522% | 662 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.8723% | 593 |
| Memoranda: | ||
| Average total assets | $153,629,000 | 3,314 |
| Average earning assets | $139,376,000 | 3,356 |
| Average equity | $22,893,667 | 2,936 |
| Average total loans | $124,399,000 | 2,923 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1360% | 749 |
| Cost of funding earning assets | 0.9665% | 1,579 |
| Net interest margin | 4.1695% | 982 |
| Noninterest income to average assets | 0.3069% | 3,676 |
| Noninterest expense to average assets | 3.6327% | 778 |
| Loan and lease loss provision to assets | -0.0027% | 5,031 |
| Net operating income to assets | 0.3336% | 4,277 |
| Return on assets (ROA) | 0.3336% | 4,307 |
| Pretax return on assets | 0.4537% | 4,201 |
| Return on Equity (ROE) | 2.1987% | 4,407 |
| Retained earnings to average equity (ytd only) | 2.1987% | 3,371 |
| Net charge-offs to loans | 0.4343% | 338 |
| Credit loss provision to net charge-offs | -0.7576% | 3,079 |
| Earnings coverage of net charge-offs (x) | 1.2803% | 2,403 |
| Efficiency ratio | 88.9542% | 537 |
| Assets per employee ($millions) | 4.2834% | 3,551 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6990% | 884 |
| Loan loss allowance to noncurrent loans | 57.3554% | 3,957 |
| Noncurrent assets plus other real estate owned to assets | 2.6347% | 251 |
| Noncurrent loans to loans | 2.9622% | 370 |
| Net loans and leases to total assets | 80.3495% | 659 |
| Net loans and leases to deposits | 97.8038% | 739 |
| Net loans and leases to core deposits | 99.4543% | 1,516 |
| Total domestic deposits to total assets | 82.1538% | 3,369 |
| Equity capital to assets | 15.2028% | 724 |
| Core capital (leverage) ratio | 15.1669% | 657 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.7909% | 663 |
| Memoranda: | ||
| Average total assets | $149,862,500 | 3,320 |
| Average earning assets | $135,747,500 | 3,373 |
| Average equity | $22,740,500 | 2,945 |
| Average total loans | $121,562,500 | 2,939 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1361% | 1,139 |
| Cost of funding earning assets | 1.0797% | 1,403 |
| Net interest margin | 4.0564% | 1,663 |
| Noninterest income to average assets | 0.3272% | 3,741 |
| Noninterest expense to average assets | 3.3691% | 1,166 |
| Loan and lease loss provision to assets | 0.0006% | 3,969 |
| Net operating income to assets | 0.5140% | 4,376 |
| Return on assets (ROA) | 0.5140% | 4,428 |
| Pretax return on assets | 0.6499% | 4,323 |
| Return on Equity (ROE) | 3.5837% | 4,556 |
| Retained earnings to average equity (ytd only) | 3.5837% | 3,210 |
| Net charge-offs to loans | -0.0081% | 4,415 |
| Credit loss provision to net charge-offs | -10.0000% | 4,109 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.8167% | 665 |
| Assets per employee ($millions) | 4.2801% | 3,534 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8369% | 622 |
| Loan loss allowance to noncurrent loans | 51.1075% | 4,073 |
| Noncurrent assets plus other real estate owned to assets | 3.0600% | 171 |
| Noncurrent loans to loans | 3.5942% | 228 |
| Net loans and leases to total assets | 79.0147% | 931 |
| Net loans and leases to deposits | 95.2376% | 1,026 |
| Net loans and leases to core deposits | 99.2279% | 1,628 |
| Total domestic deposits to total assets | 82.9659% | 3,202 |
| Equity capital to assets | 15.1457% | 761 |
| Core capital (leverage) ratio | 15.0466% | 682 |
| Tier 1 risk-based capital ratio | 20.5018% | 1,250 |
| Total risk-based capital ratio | 21.7613% | 1,219 |
| Memoranda: | ||
| Average total assets | $155,263,800 | 3,239 |
| Average earning assets | $141,332,000 | 3,258 |
| Average equity | $22,267,200 | 2,941 |
| Average total loans | $124,111,600 | 2,892 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1294% | 1,217 |
| Cost of funding earning assets | 1.0812% | 1,422 |
| Net interest margin | 4.0482% | 1,772 |
| Noninterest income to average assets | 0.3303% | 3,768 |
| Noninterest expense to average assets | 3.2262% | 1,416 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.5703% | 4,371 |
| Return on assets (ROA) | 0.5703% | 4,415 |
| Pretax return on assets | 0.7917% | 4,133 |
| Return on Equity (ROE) | 4.0309% | 4,585 |
| Retained earnings to average equity (ytd only) | 4.0309% | 3,380 |
| Net charge-offs to loans | -0.0096% | 4,363 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.2966% | 896 |
| Assets per employee ($millions) | 4.3984% | 3,341 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7889% | 701 |
| Loan loss allowance to noncurrent loans | 65.6287% | 3,894 |
| Noncurrent assets plus other real estate owned to assets | 2.3788% | 308 |
| Noncurrent loans to loans | 2.7259% | 394 |
| Net loans and leases to total assets | 78.9190% | 1,001 |
| Net loans and leases to deposits | 97.7692% | 845 |
| Net loans and leases to core deposits | 105.0760% | 1,255 |
| Total domestic deposits to total assets | 80.7196% | 3,826 |
| Equity capital to assets | 14.6534% | 939 |
| Core capital (leverage) ratio | 14.5278% | 846 |
| Tier 1 risk-based capital ratio | 19.9058% | 1,374 |
| Total risk-based capital ratio | 21.1644% | 1,346 |
| Memoranda: | ||
| Average total assets | $156,628,500 | 3,263 |
| Average earning assets | $142,676,000 | 3,277 |
| Average equity | $22,161,750 | 2,969 |
| Average total loans | $124,993,750 | 2,909 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0172% | 1,434 |
| Cost of funding earning assets | 1.0550% | 1,473 |
| Net interest margin | 3.9622% | 2,050 |
| Noninterest income to average assets | 0.3085% | 3,864 |
| Noninterest expense to average assets | 3.2579% | 1,370 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.4698% | 4,597 |
| Return on assets (ROA) | 0.4698% | 4,627 |
| Pretax return on assets | 0.6602% | 4,426 |
| Return on Equity (ROE) | 3.3591% | 4,713 |
| Retained earnings to average equity (ytd only) | 3.3591% | 3,552 |
| Net charge-offs to loans | 0.0112% | 2,734 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 74.2857% | 858 |
| Efficiency ratio | 83.1497% | 719 |
| Assets per employee ($millions) | 4.4157% | 3,265 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7683% | 725 |
| Loan loss allowance to noncurrent loans | 55.1456% | 4,091 |
| Noncurrent assets plus other real estate owned to assets | 2.7849% | 239 |
| Noncurrent loans to loans | 3.2066% | 298 |
| Net loans and leases to total assets | 78.9686% | 1,046 |
| Net loans and leases to deposits | 99.8666% | 690 |
| Net loans and leases to core deposits | 107.4538% | 1,141 |
| Total domestic deposits to total assets | 79.0741% | 4,202 |
| Equity capital to assets | 14.3992% | 986 |
| Core capital (leverage) ratio | 14.4041% | 850 |
| Tier 1 risk-based capital ratio | 19.8286% | 1,385 |
| Total risk-based capital ratio | 21.0876% | 1,348 |
| Memoranda: | ||
| Average total assets | $157,523,330 | 3,272 |
| Average earning assets | $143,507,330 | 3,290 |
| Average equity | $22,029,670 | 2,971 |
| Average total loans | $125,423,670 | 2,921 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8307% | 1,818 |
| Cost of funding earning assets | 1.0318% | 1,441 |
| Net interest margin | 3.7989% | 2,528 |
| Noninterest income to average assets | 0.3044% | 3,843 |
| Noninterest expense to average assets | 3.2652% | 1,357 |
| Loan and lease loss provision to assets | -0.0025% | 5,189 |
| Net operating income to assets | 0.3547% | 4,820 |
| Return on assets (ROA) | 0.3547% | 4,826 |
| Pretax return on assets | 0.5056% | 4,670 |
| Return on Equity (ROE) | 2.5733% | 4,879 |
| Retained earnings to average equity (ytd only) | 2.5733% | 3,899 |
| Net charge-offs to loans | -0.0444% | 4,804 |
| Credit loss provision to net charge-offs | 7.1429% | 2,188 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.6489% | 539 |
| Assets per employee ($millions) | 4.4169% | 3,305 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7848% | 728 |
| Loan loss allowance to noncurrent loans | 67.2429% | 3,932 |
| Noncurrent assets plus other real estate owned to assets | 2.2967% | 370 |
| Noncurrent loans to loans | 2.6542% | 472 |
| Net loans and leases to total assets | 76.7270% | 1,364 |
| Net loans and leases to deposits | 101.4477% | 531 |
| Net loans and leases to core deposits | 109.3786% | 966 |
| Total domestic deposits to total assets | 75.6320% | 4,801 |
| Equity capital to assets | 13.8358% | 1,096 |
| Core capital (leverage) ratio | 13.8943% | 980 |
| Tier 1 risk-based capital ratio | 19.5711% | 1,427 |
| Total risk-based capital ratio | 20.8297% | 1,398 |
| Memoranda: | ||
| Average total assets | $159,010,000 | 3,303 |
| Average earning assets | $144,990,000 | 3,313 |
| Average equity | $21,917,500 | 2,983 |
| Average total loans | $126,014,000 | 2,949 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0667% | 912 |
| Cost of funding earning assets | 0.7894% | 1,581 |
| Net interest margin | 4.2773% | 1,208 |
| Noninterest income to average assets | 0.3438% | 3,815 |
| Noninterest expense to average assets | 3.4006% | 1,151 |
| Loan and lease loss provision to assets | 0.0031% | 4,044 |
| Net operating income to assets | 0.6211% | 4,363 |
| Return on assets (ROA) | 0.6211% | 4,372 |
| Pretax return on assets | 0.8495% | 4,037 |
| Return on Equity (ROE) | 4.6443% | 4,546 |
| Retained earnings to average equity (ytd only) | 4.6443% | 2,966 |
| Net charge-offs to loans | -0.0062% | 4,397 |
| Credit loss provision to net charge-offs | -62.5000% | 4,351 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.9528% | 969 |
| Assets per employee ($millions) | 4.2976% | 3,466 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7244% | 794 |
| Loan loss allowance to noncurrent loans | 200.9116% | 2,232 |
| Noncurrent assets plus other real estate owned to assets | 0.9163% | 1,511 |
| Noncurrent loans to loans | 0.8583% | 1,881 |
| Net loans and leases to total assets | 78.9909% | 1,096 |
| Net loans and leases to deposits | 106.3773% | 355 |
| Net loans and leases to core deposits | 114.8483% | 744 |
| Total domestic deposits to total assets | 74.2554% | 4,930 |
| Equity capital to assets | 13.7317% | 1,053 |
| Core capital (leverage) ratio | 13.7999% | 981 |
| Tier 1 risk-based capital ratio | 19.2816% | 1,454 |
| Total risk-based capital ratio | 20.5400% | 1,417 |
| Memoranda: | ||
| Average total assets | $159,384,200 | 3,287 |
| Average earning assets | $145,676,600 | 3,305 |
| Average equity | $21,316,400 | 2,955 |
| Average total loans | $128,517,200 | 2,893 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9956% | 949 |
| Cost of funding earning assets | 0.7268% | 1,706 |
| Net interest margin | 4.2688% | 1,187 |
| Noninterest income to average assets | 0.3244% | 3,975 |
| Noninterest expense to average assets | 3.4144% | 1,096 |
| Loan and lease loss provision to assets | 0.0033% | 3,902 |
| Net operating income to assets | 0.5877% | 4,533 |
| Return on assets (ROA) | 0.5877% | 4,542 |
| Pretax return on assets | 0.8101% | 4,265 |
| Return on Equity (ROE) | 4.4240% | 4,715 |
| Retained earnings to average equity (ytd only) | 4.4240% | 3,540 |
| Net charge-offs to loans | -0.0104% | 4,413 |
| Credit loss provision to net charge-offs | -40.0000% | 4,146 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.7593% | 878 |
| Assets per employee ($millions) | 4.3456% | 3,365 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7006% | 864 |
| Loan loss allowance to noncurrent loans | 366.8885% | 1,415 |
| Noncurrent assets plus other real estate owned to assets | 0.6039% | 2,369 |
| Noncurrent loans to loans | 0.4635% | 2,995 |
| Net loans and leases to total assets | 79.2685% | 1,121 |
| Net loans and leases to deposits | 108.2025% | 348 |
| Net loans and leases to core deposits | 116.5612% | 693 |
| Total domestic deposits to total assets | 73.2594% | 5,039 |
| Equity capital to assets | 13.3890% | 1,174 |
| Core capital (leverage) ratio | 13.4092% | 1,136 |
| Tier 1 risk-based capital ratio | 18.9500% | 1,548 |
| Total risk-based capital ratio | 20.2083% | 1,517 |
| Memoranda: | ||
| Average total assets | $159,477,250 | 3,314 |
| Average earning assets | $145,831,000 | 3,336 |
| Average equity | $21,186,750 | 2,985 |
| Average total loans | $128,694,250 | 2,913 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9336% | 949 |
| Cost of funding earning assets | 0.6671% | 1,831 |
| Net interest margin | 4.2666% | 1,117 |
| Noninterest income to average assets | 0.3232% | 4,027 |
| Noninterest expense to average assets | 3.3903% | 1,144 |
| Loan and lease loss provision to assets | 0.0025% | 3,754 |
| Net operating income to assets | 0.6049% | 4,481 |
| Return on assets (ROA) | 0.6049% | 4,485 |
| Pretax return on assets | 0.8312% | 4,158 |
| Return on Equity (ROE) | 4.5651% | 4,676 |
| Retained earnings to average equity (ytd only) | 4.5651% | 3,310 |
| Net charge-offs to loans | -0.0312% | 4,750 |
| Credit loss provision to net charge-offs | -10.0000% | 3,934 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.2620% | 985 |
| Assets per employee ($millions) | 4.3338% | 3,382 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7021% | 902 |
| Loan loss allowance to noncurrent loans | 225.1272% | 2,072 |
| Noncurrent assets plus other real estate owned to assets | 0.8438% | 1,769 |
| Noncurrent loans to loans | 0.7561% | 2,227 |
| Net loans and leases to total assets | 79.7025% | 1,064 |
| Net loans and leases to deposits | 112.6613% | 220 |
| Net loans and leases to core deposits | 116.3114% | 703 |
| Total domestic deposits to total assets | 70.7452% | 5,247 |
| Equity capital to assets | 13.2922% | 1,188 |
| Core capital (leverage) ratio | 13.3646% | 1,112 |
| Tier 1 risk-based capital ratio | 18.7815% | 1,607 |
| Total risk-based capital ratio | 20.0408% | 1,559 |
| Memoranda: | ||
| Average total assets | $159,040,000 | 3,330 |
| Average earning assets | $145,409,670 | 3,353 |
| Average equity | $21,073,000 | 3,009 |
| Average total loans | $128,372,330 | 2,931 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7742% | 1,136 |
| Cost of funding earning assets | 0.6248% | 1,883 |
| Net interest margin | 4.1495% | 1,300 |
| Noninterest income to average assets | 0.3334% | 3,925 |
| Noninterest expense to average assets | 3.3665% | 1,222 |
| Loan and lease loss provision to assets | 0.0051% | 3,441 |
| Net operating income to assets | 0.5480% | 4,582 |
| Return on assets (ROA) | 0.5480% | 4,585 |
| Pretax return on assets | 0.7526% | 4,283 |
| Return on Equity (ROE) | 4.1427% | 4,732 |
| Retained earnings to average equity (ytd only) | 4.1427% | 3,541 |
| Net charge-offs to loans | 0.0031% | 2,625 |
| Credit loss provision to net charge-offs | 200.0000% | 1,039 |
| Earnings coverage of net charge-offs (x) | 300.0000% | 231 |
| Efficiency ratio | 81.6289% | 988 |
| Assets per employee ($millions) | 4.2646% | 3,542 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7318% | 893 |
| Loan loss allowance to noncurrent loans | 164.8120% | 2,587 |
| Noncurrent assets plus other real estate owned to assets | 1.0774% | 1,448 |
| Noncurrent loans to loans | 1.0508% | 1,744 |
| Net loans and leases to total assets | 78.8262% | 1,112 |
| Net loans and leases to deposits | 109.1705% | 279 |
| Net loans and leases to core deposits | 112.6856% | 856 |
| Total domestic deposits to total assets | 72.2047% | 5,272 |
| Equity capital to assets | 13.3406% | 1,095 |
| Core capital (leverage) ratio | 13.3230% | 1,062 |
| Tier 1 risk-based capital ratio | 18.9281% | 1,566 |
| Total risk-based capital ratio | 20.1877% | 1,531 |
| Memoranda: | ||
| Average total assets | $158,385,000 | 3,381 |
| Average earning assets | $144,693,500 | 3,397 |
| Average equity | $20,952,500 | 3,050 |
| Average total loans | $127,550,500 | 2,965 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8220% | 935 |
| Cost of funding earning assets | 0.4411% | 2,865 |
| Net interest margin | 4.3809% | 808 |
| Noninterest income to average assets | 0.2668% | 4,526 |
| Noninterest expense to average assets | 3.6159% | 883 |
| Loan and lease loss provision to assets | 0.0026% | 4,195 |
| Net operating income to assets | 0.3242% | 4,885 |
| Return on assets (ROA) | 0.3242% | 4,905 |
| Pretax return on assets | 0.6669% | 4,591 |
| Return on Equity (ROE) | 2.4522% | 4,962 |
| Retained earnings to average equity (ytd only) | 2.4522% | 3,864 |
| Net charge-offs to loans | 0.0458% | 2,867 |
| Credit loss provision to net charge-offs | 6.8966% | 3,681 |
| Earnings coverage of net charge-offs (x) | 18.0862% | 2,091 |
| Efficiency ratio | 84.3783% | 741 |
| Assets per employee ($millions) | 4.2968% | 3,485 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7047% | 941 |
| Loan loss allowance to noncurrent loans | 163.6296% | 2,637 |
| Noncurrent assets plus other real estate owned to assets | 1.0838% | 1,405 |
| Noncurrent loans to loans | 1.0418% | 1,711 |
| Net loans and leases to total assets | 79.4680% | 1,040 |
| Net loans and leases to deposits | 112.7916% | 194 |
| Net loans and leases to core deposits | 116.4812% | 704 |
| Total domestic deposits to total assets | 70.4556% | 5,387 |
| Equity capital to assets | 13.1179% | 1,210 |
| Core capital (leverage) ratio | 13.2185% | 1,068 |
| Tier 1 risk-based capital ratio | 18.3208% | 1,705 |
| Total risk-based capital ratio | 19.5795% | 1,658 |
| Memoranda: | ||
| Average total assets | $156,697,400 | 3,393 |
| Average earning assets | $143,738,200 | 3,402 |
| Average equity | $20,716,000 | 3,061 |
| Average total loans | $126,638,000 | 2,972 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7808% | 962 |
| Cost of funding earning assets | 0.4185% | 2,999 |
| Net interest margin | 4.3623% | 800 |
| Noninterest income to average assets | 0.3006% | 4,378 |
| Noninterest expense to average assets | 3.5867% | 887 |
| Loan and lease loss provision to assets | 0.0017% | 4,068 |
| Net operating income to assets | 0.5508% | 4,571 |
| Return on assets (ROA) | 0.5508% | 4,607 |
| Pretax return on assets | 0.7182% | 4,565 |
| Return on Equity (ROE) | 4.1583% | 4,809 |
| Retained earnings to average equity (ytd only) | 4.1583% | 3,429 |
| Net charge-offs to loans | 0.0328% | 2,778 |
| Credit loss provision to net charge-offs | 6.4516% | 3,242 |
| Earnings coverage of net charge-offs (x) | 27.1950% | 1,647 |
| Efficiency ratio | 83.2838% | 816 |
| Assets per employee ($millions) | 4.2726% | 3,521 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7270% | 980 |
| Loan loss allowance to noncurrent loans | 163.9053% | 2,601 |
| Noncurrent assets plus other real estate owned to assets | 1.2563% | 1,292 |
| Noncurrent loans to loans | 1.0537% | 1,834 |
| Net loans and leases to total assets | 79.7632% | 1,019 |
| Net loans and leases to deposits | 109.3530% | 300 |
| Net loans and leases to core deposits | 113.3284% | 875 |
| Total domestic deposits to total assets | 72.9410% | 5,316 |
| Equity capital to assets | 13.2913% | 1,255 |
| Core capital (leverage) ratio | 13.2803% | 1,112 |
| Tier 1 risk-based capital ratio | 18.5203% | 1,720 |
| Total risk-based capital ratio | 19.7795% | 1,672 |
| Memoranda: | ||
| Average total assets | $156,126,500 | 3,428 |
| Average earning assets | $143,377,000 | 3,434 |
| Average equity | $20,681,250 | 3,086 |
| Average total loans | $126,165,000 | 2,996 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7306% | 1,001 |
| Cost of funding earning assets | 0.3852% | 3,231 |
| Net interest margin | 4.3454% | 771 |
| Noninterest income to average assets | 0.3203% | 4,262 |
| Noninterest expense to average assets | 3.5749% | 899 |
| Loan and lease loss provision to assets | 0.0026% | 3,847 |
| Net operating income to assets | 0.5609% | 4,471 |
| Return on assets (ROA) | 0.5609% | 4,517 |
| Pretax return on assets | 0.7332% | 4,469 |
| Return on Equity (ROE) | 4.2390% | 4,757 |
| Retained earnings to average equity (ytd only) | 4.2390% | 3,189 |
| Net charge-offs to loans | 0.0670% | 1,968 |
| Credit loss provision to net charge-offs | 4.7619% | 2,883 |
| Earnings coverage of net charge-offs (x) | 13.6190% | 2,124 |
| Efficiency ratio | 82.9305% | 926 |
| Assets per employee ($millions) | 4.1692% | 3,682 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7239% | 1,014 |
| Loan loss allowance to noncurrent loans | 168.0640% | 2,557 |
| Noncurrent assets plus other real estate owned to assets | 1.3558% | 1,178 |
| Noncurrent loans to loans | 1.0258% | 1,913 |
| Net loans and leases to total assets | 79.3399% | 1,044 |
| Net loans and leases to deposits | 109.0806% | 284 |
| Net loans and leases to core deposits | 112.1672% | 901 |
| Total domestic deposits to total assets | 72.7351% | 5,408 |
| Equity capital to assets | 13.1351% | 1,309 |
| Core capital (leverage) ratio | 13.3139% | 1,051 |
| Tier 1 risk-based capital ratio | 18.4641% | 1,728 |
| Total risk-based capital ratio | 19.7236% | 1,686 |
| Memoranda: | ||
| Average total assets | $155,472,670 | 3,445 |
| Average earning assets | $142,771,670 | 3,452 |
| Average equity | $20,571,000 | 3,097 |
| Average total loans | $125,449,330 | 3,015 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7212% | 898 |
| Cost of funding earning assets | 0.3588% | 3,436 |
| Net interest margin | 4.3624% | 684 |
| Noninterest income to average assets | 0.2987% | 4,423 |
| Noninterest expense to average assets | 3.6105% | 889 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.5403% | 4,420 |
| Return on assets (ROA) | 0.5403% | 4,464 |
| Pretax return on assets | 0.6987% | 4,452 |
| Return on Equity (ROE) | 4.0682% | 4,762 |
| Retained earnings to average equity (ytd only) | 4.0682% | 3,425 |
| Net charge-offs to loans | -0.0161% | 4,625 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.7854% | 990 |
| Assets per employee ($millions) | 3.9968% | 4,016 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7984% | 961 |
| Loan loss allowance to noncurrent loans | 167.1620% | 2,584 |
| Noncurrent assets plus other real estate owned to assets | 1.3998% | 1,195 |
| Noncurrent loans to loans | 1.0758% | 1,903 |
| Net loans and leases to total assets | 78.8192% | 1,012 |
| Net loans and leases to deposits | 103.0955% | 442 |
| Net loans and leases to core deposits | 106.2756% | 1,081 |
| Total domestic deposits to total assets | 76.4526% | 5,183 |
| Equity capital to assets | 13.1925% | 1,190 |
| Core capital (leverage) ratio | 13.2719% | 1,049 |
| Tier 1 risk-based capital ratio | 18.9570% | 1,626 |
| Total risk-based capital ratio | 20.2176% | 1,585 |
| Memoranda: | ||
| Average total assets | $153,993,500 | 3,504 |
| Average earning assets | $141,575,000 | 3,503 |
| Average equity | $20,451,500 | 3,131 |
| Average total loans | $124,222,000 | 3,049 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8560% | 794 |
| Cost of funding earning assets | 0.3449% | 3,583 |
| Net interest margin | 4.5111% | 606 |
| Noninterest income to average assets | 0.4185% | 3,749 |
| Noninterest expense to average assets | 3.8799% | 709 |
| Loan and lease loss provision to assets | 0.0027% | 4,301 |
| Net operating income to assets | 0.6128% | 4,153 |
| Return on assets (ROA) | 0.6128% | 4,271 |
| Pretax return on assets | 0.6717% | 4,579 |
| Return on Equity (ROE) | 4.5453% | 4,639 |
| Retained earnings to average equity (ytd only) | 4.5453% | 2,667 |
| Net charge-offs to loans | 0.0719% | 2,672 |
| Credit loss provision to net charge-offs | 4.6512% | 3,766 |
| Earnings coverage of net charge-offs (x) | 11.5814% | 2,527 |
| Efficiency ratio | 85.1918% | 886 |
| Assets per employee ($millions) | 3.7100% | 4,455 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8203% | 916 |
| Loan loss allowance to noncurrent loans | 171.3740% | 2,529 |
| Noncurrent assets plus other real estate owned to assets | 1.4989% | 1,111 |
| Noncurrent loans to loans | 1.0622% | 1,953 |
| Net loans and leases to total assets | 79.6055% | 950 |
| Net loans and leases to deposits | 102.6039% | 492 |
| Net loans and leases to core deposits | 106.3584% | 1,110 |
| Total domestic deposits to total assets | 77.5853% | 5,037 |
| Equity capital to assets | 13.3712% | 1,103 |
| Core capital (leverage) ratio | 13.4975% | 968 |
| Tier 1 risk-based capital ratio | 19.0489% | 1,586 |
| Total risk-based capital ratio | 20.3109% | 1,544 |
| Memoranda: | ||
| Average total assets | $147,685,200 | 3,559 |
| Average earning assets | $135,399,400 | 3,566 |
| Average equity | $19,910,600 | 3,178 |
| Average total loans | $119,684,800 | 3,075 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8523% | 805 |
| Cost of funding earning assets | 0.3444% | 3,605 |
| Net interest margin | 4.5079% | 616 |
| Noninterest income to average assets | 0.4212% | 3,765 |
| Noninterest expense to average assets | 3.6112% | 983 |
| Loan and lease loss provision to assets | 0.0146% | 3,957 |
| Net operating income to assets | 0.6486% | 4,089 |
| Return on assets (ROA) | 0.6486% | 4,214 |
| Pretax return on assets | 0.9269% | 3,886 |
| Return on Equity (ROE) | 4.8004% | 4,601 |
| Retained earnings to average equity (ytd only) | 4.8004% | 2,956 |
| Net charge-offs to loans | 0.1044% | 1,902 |
| Credit loss provision to net charge-offs | 17.2043% | 3,314 |
| Earnings coverage of net charge-offs (x) | 11.1288% | 2,525 |
| Efficiency ratio | 79.3207% | 1,520 |
| Assets per employee ($millions) | 3.6110% | 4,631 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8668% | 902 |
| Loan loss allowance to noncurrent loans | 148.7112% | 2,806 |
| Noncurrent assets plus other real estate owned to assets | 1.7744% | 936 |
| Noncurrent loans to loans | 1.2553% | 1,781 |
| Net loans and leases to total assets | 79.8892% | 906 |
| Net loans and leases to deposits | 101.7857% | 587 |
| Net loans and leases to core deposits | 105.9166% | 1,188 |
| Total domestic deposits to total assets | 78.4877% | 4,822 |
| Equity capital to assets | 13.6481% | 1,180 |
| Core capital (leverage) ratio | 13.6807% | 948 |
| Tier 1 risk-based capital ratio | 19.3922% | 1,575 |
| Total risk-based capital ratio | 20.6547% | 1,531 |
| Memoranda: | ||
| Average total assets | $146,579,000 | 3,585 |
| Average earning assets | $134,338,000 | 3,602 |
| Average equity | $19,803,500 | 3,213 |
| Average total loans | $118,772,750 | 3,094 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8917% | 733 |
| Cost of funding earning assets | 0.3408% | 3,674 |
| Net interest margin | 4.5510% | 551 |
| Noninterest income to average assets | 0.4052% | 3,840 |
| Noninterest expense to average assets | 3.6225% | 979 |
| Loan and lease loss provision to assets | 0.0055% | 3,948 |
| Net operating income to assets | 0.5750% | 4,375 |
| Return on assets (ROA) | 0.5750% | 4,501 |
| Pretax return on assets | 0.9460% | 3,787 |
| Return on Equity (ROE) | 4.2706% | 4,812 |
| Retained earnings to average equity (ytd only) | 4.2706% | 3,197 |
| Net charge-offs to loans | 0.1303% | 1,550 |
| Credit loss provision to net charge-offs | 5.1948% | 3,027 |
| Earnings coverage of net charge-offs (x) | 9.0260% | 2,457 |
| Efficiency ratio | 79.1978% | 1,609 |
| Assets per employee ($millions) | 3.6817% | 4,472 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8879% | 914 |
| Loan loss allowance to noncurrent loans | 184.0000% | 2,460 |
| Noncurrent assets plus other real estate owned to assets | 1.6589% | 1,092 |
| Noncurrent loans to loans | 1.0260% | 2,237 |
| Net loans and leases to total assets | 79.5438% | 978 |
| Net loans and leases to deposits | 96.8235% | 983 |
| Net loans and leases to core deposits | 100.3590% | 1,607 |
| Total domestic deposits to total assets | 82.1534% | 3,959 |
| Equity capital to assets | 13.5225% | 1,229 |
| Core capital (leverage) ratio | 13.6691% | 920 |
| Tier 1 risk-based capital ratio | 19.2471% | 1,641 |
| Total risk-based capital ratio | 20.5094% | 1,599 |
| Memoranda: | ||
| Average total assets | $146,088,670 | 3,614 |
| Average earning assets | $133,817,670 | 3,632 |
| Average equity | $19,669,330 | 3,235 |
| Average total loans | $118,188,330 | 3,109 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8046% | 836 |
| Cost of funding earning assets | 0.3389% | 3,729 |
| Net interest margin | 4.4657% | 653 |
| Noninterest income to average assets | 0.3931% | 3,879 |
| Noninterest expense to average assets | 3.7443% | 849 |
| Loan and lease loss provision to assets | -0.0027% | 5,869 |
| Net operating income to assets | 0.4454% | 4,848 |
| Return on assets (ROA) | 0.4454% | 4,928 |
| Pretax return on assets | 0.7450% | 4,379 |
| Return on Equity (ROE) | 3.3151% | 5,120 |
| Retained earnings to average equity (ytd only) | 3.3151% | 3,838 |
| Net charge-offs to loans | -0.0748% | 5,522 |
| Credit loss provision to net charge-offs | 4.5455% | 2,398 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.4559% | 1,208 |
| Assets per employee ($millions) | 3.6797% | 4,501 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0211% | 788 |
| Loan loss allowance to noncurrent loans | 115.6650% | 3,308 |
| Noncurrent assets plus other real estate owned to assets | 2.3009% | 689 |
| Noncurrent loans to loans | 1.7474% | 1,274 |
| Net loans and leases to total assets | 79.3161% | 910 |
| Net loans and leases to deposits | 93.1549% | 1,214 |
| Net loans and leases to core deposits | 96.0711% | 1,786 |
| Total domestic deposits to total assets | 85.1444% | 3,066 |
| Equity capital to assets | 13.6822% | 1,098 |
| Core capital (leverage) ratio | 13.5402% | 973 |
| Tier 1 risk-based capital ratio | 19.3521% | 1,642 |
| Total risk-based capital ratio | 20.6164% | 1,605 |
| Memoranda: | ||
| Average total assets | $145,500,000 | 3,642 |
| Average earning assets | $133,371,000 | 3,661 |
| Average equity | $19,547,000 | 3,249 |
| Average total loans | $117,585,000 | 3,125 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1899% | 437 |
| Cost of funding earning assets | 0.3361% | 3,835 |
| Net interest margin | 4.8538% | 326 |
| Noninterest income to average assets | 0.4777% | 3,479 |
| Noninterest expense to average assets | 3.9090% | 750 |
| Loan and lease loss provision to assets | -1.3787% | 6,181 |
| Net operating income to assets | 1.5382% | 801 |
| Return on assets (ROA) | 1.5382% | 828 |
| Pretax return on assets | 2.3876% | 252 |
| Return on Equity (ROE) | 12.6998% | 1,130 |
| Retained earnings to average equity (ytd only) | 12.6998% | 222 |
| Net charge-offs to loans | -1.5701% | 6,136 |
| Credit loss provision to net charge-offs | 111.9086% | 2,260 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.4851% | 1,746 |
| Assets per employee ($millions) | 3.5974% | 4,650 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9555% | 873 |
| Loan loss allowance to noncurrent loans | 129.4936% | 3,094 |
| Noncurrent assets plus other real estate owned to assets | 2.1377% | 802 |
| Noncurrent loans to loans | 1.5101% | 1,540 |
| Net loans and leases to total assets | 79.1026% | 971 |
| Net loans and leases to deposits | 94.8113% | 1,128 |
| Net loans and leases to core deposits | 97.4695% | 1,718 |
| Total domestic deposits to total assets | 83.4316% | 3,702 |
| Equity capital to assets | 13.1933% | 1,262 |
| Core capital (leverage) ratio | 13.3069% | 1,036 |
| Tier 1 risk-based capital ratio | 18.8395% | 1,736 |
| Total risk-based capital ratio | 20.1037% | 1,699 |
| Memoranda: | ||
| Average total assets | $149,269,400 | 3,581 |
| Average earning assets | $136,553,400 | 3,585 |
| Average equity | $18,079,000 | 3,373 |
| Average total loans | $117,126,200 | 3,091 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8549% | 846 |
| Cost of funding earning assets | 0.3363% | 3,906 |
| Net interest margin | 4.5186% | 621 |
| Noninterest income to average assets | 0.3803% | 4,211 |
| Noninterest expense to average assets | 3.8428% | 802 |
| Loan and lease loss provision to assets | -1.1479% | 6,261 |
| Net operating income to assets | 1.0927% | 2,040 |
| Return on assets (ROA) | 1.0927% | 2,123 |
| Pretax return on assets | 1.8141% | 878 |
| Return on Equity (ROE) | 9.2250% | 2,450 |
| Retained earnings to average equity (ytd only) | 9.2250% | 818 |
| Net charge-offs to loans | -1.1886% | 6,218 |
| Credit loss provision to net charge-offs | 123.9423% | 1,933 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.2262% | 1,064 |
| Assets per employee ($millions) | 3.8086% | 4,250 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9792% | 939 |
| Loan loss allowance to noncurrent loans | 118.0370% | 3,306 |
| Noncurrent assets plus other real estate owned to assets | 2.2139% | 852 |
| Noncurrent loans to loans | 1.6768% | 1,456 |
| Net loans and leases to total assets | 78.6029% | 1,007 |
| Net loans and leases to deposits | 91.7758% | 1,436 |
| Net loans and leases to core deposits | 94.1323% | 2,062 |
| Total domestic deposits to total assets | 85.6466% | 2,715 |
| Equity capital to assets | 12.7186% | 1,603 |
| Core capital (leverage) ratio | 12.6766% | 1,332 |
| Tier 1 risk-based capital ratio | 18.0140% | 2,023 |
| Total risk-based capital ratio | 19.2788% | 1,988 |
| Memoranda: | ||
| Average total assets | $149,713,750 | 3,607 |
| Average earning assets | $136,792,750 | 3,615 |
| Average equity | $17,734,000 | 3,447 |
| Average total loans | $116,658,500 | 3,125 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8010% | 891 |
| Cost of funding earning assets | 0.3328% | 4,016 |
| Net interest margin | 4.4682% | 672 |
| Noninterest income to average assets | 0.3343% | 4,565 |
| Noninterest expense to average assets | 3.5118% | 1,283 |
| Loan and lease loss provision to assets | -0.8641% | 6,319 |
| Net operating income to assets | 1.0689% | 2,060 |
| Return on assets (ROA) | 1.0689% | 2,162 |
| Pretax return on assets | 1.7665% | 945 |
| Return on Equity (ROE) | 9.2406% | 2,413 |
| Retained earnings to average equity (ytd only) | 9.2406% | 849 |
| Net charge-offs to loans | -0.6829% | 6,231 |
| Credit loss provision to net charge-offs | 163.9098% | 1,442 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.5570% | 1,822 |
| Assets per employee ($millions) | 3.6328% | 4,567 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9864% | 1,007 |
| Loan loss allowance to noncurrent loans | 136.8578% | 3,003 |
| Noncurrent assets plus other real estate owned to assets | 2.1141% | 1,018 |
| Noncurrent loans to loans | 1.4514% | 1,834 |
| Net loans and leases to total assets | 77.7948% | 1,097 |
| Net loans and leases to deposits | 90.3970% | 1,546 |
| Net loans and leases to core deposits | 92.6948% | 2,092 |
| Total domestic deposits to total assets | 86.0591% | 2,668 |
| Equity capital to assets | 12.3692% | 1,753 |
| Core capital (leverage) ratio | 12.0667% | 1,613 |
| Tier 1 risk-based capital ratio | 17.2899% | 2,289 |
| Total risk-based capital ratio | 18.5569% | 2,246 |
| Memoranda: | ||
| Average total assets | $151,376,670 | 3,610 |
| Average earning assets | $138,221,670 | 3,630 |
| Average equity | $17,509,670 | 3,496 |
| Average total loans | $116,859,670 | 3,140 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6111% | 1,190 |
| Cost of funding earning assets | 0.3290% | 4,109 |
| Net interest margin | 4.2821% | 914 |
| Noninterest income to average assets | 0.3394% | 4,480 |
| Noninterest expense to average assets | 3.3185% | 1,674 |
| Loan and lease loss provision to assets | 0.0052% | 3,642 |
| Net operating income to assets | 0.5647% | 4,429 |
| Return on assets (ROA) | 0.5647% | 4,529 |
| Pretax return on assets | 0.9274% | 3,788 |
| Return on Equity (ROE) | 5.0470% | 4,504 |
| Retained earnings to average equity (ytd only) | 5.0470% | 3,026 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.0622% | 2,176 |
| Assets per employee ($millions) | 3.5624% | 4,793 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1545% | 852 |
| Loan loss allowance to noncurrent loans | 86.8439% | 4,003 |
| Noncurrent assets plus other real estate owned to assets | 2.9961% | 633 |
| Noncurrent loans to loans | 2.4809% | 980 |
| Net loans and leases to total assets | 79.2259% | 775 |
| Net loans and leases to deposits | 93.0162% | 1,086 |
| Net loans and leases to core deposits | 94.8445% | 1,702 |
| Total domestic deposits to total assets | 85.1743% | 3,319 |
| Equity capital to assets | 11.9070% | 2,096 |
| Core capital (leverage) ratio | 10.7926% | 2,635 |
| Tier 1 risk-based capital ratio | 15.3418% | 3,236 |
| Total risk-based capital ratio | 16.6062% | 3,156 |
| Memoranda: | ||
| Average total assets | $154,408,500 | 3,584 |
| Average earning assets | $141,051,000 | 3,607 |
| Average equity | $17,277,500 | 3,551 |
| Average total loans | $117,621,000 | 3,133 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5683% | 1,644 |
| Cost of funding earning assets | 0.3764% | 3,952 |
| Net interest margin | 4.1920% | 1,331 |
| Noninterest income to average assets | 0.0301% | 6,338 |
| Noninterest expense to average assets | 3.2519% | 2,071 |
| Loan and lease loss provision to assets | 0.0731% | 3,020 |
| Net operating income to assets | 0.2837% | 5,555 |
| Return on assets (ROA) | 0.2837% | 5,630 |
| Pretax return on assets | 0.4809% | 5,296 |
| Return on Equity (ROE) | 2.7283% | 5,565 |
| Retained earnings to average equity (ytd only) | 2.7283% | 4,302 |
| Net charge-offs to loans | 0.2214% | 1,897 |
| Credit loss provision to net charge-offs | 45.4198% | 3,581 |
| Earnings coverage of net charge-offs (x) | 3.4427% | 3,888 |
| Efficiency ratio | 85.4446% | 1,239 |
| Assets per employee ($millions) | 3.8752% | 4,213 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1765% | 846 |
| Loan loss allowance to noncurrent loans | 95.1776% | 3,838 |
| Noncurrent assets plus other real estate owned to assets | 2.6714% | 837 |
| Noncurrent loans to loans | 2.2867% | 1,143 |
| Net loans and leases to total assets | 70.3078% | 2,190 |
| Net loans and leases to deposits | 88.4684% | 1,675 |
| Net loans and leases to core deposits | 89.9256% | 2,294 |
| Total domestic deposits to total assets | 79.4722% | 5,147 |
| Equity capital to assets | 10.5456% | 3,421 |
| Core capital (leverage) ratio | 9.7204% | 3,942 |
| Tier 1 risk-based capital ratio | 15.2907% | 3,319 |
| Total risk-based capital ratio | 16.5559% | 3,264 |
| Memoranda: | ||
| Average total assets | $162,829,400 | 3,450 |
| Average earning assets | $146,661,800 | 3,499 |
| Average equity | $16,933,800 | 3,535 |
| Average total loans | $118,312,000 | 3,076 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5934% | 1,581 |
| Cost of funding earning assets | 0.3862% | 3,942 |
| Net interest margin | 4.2072% | 1,267 |
| Noninterest income to average assets | 0.2448% | 5,454 |
| Noninterest expense to average assets | 3.2365% | 2,069 |
| Loan and lease loss provision to assets | 0.1867% | 1,304 |
| Net operating income to assets | 0.3341% | 5,479 |
| Return on assets (ROA) | 0.3341% | 5,547 |
| Pretax return on assets | 0.5944% | 5,050 |
| Return on Equity (ROE) | 3.2234% | 5,467 |
| Retained earnings to average equity (ytd only) | 3.2234% | 4,339 |
| Net charge-offs to loans | 0.1933% | 1,921 |
| Credit loss provision to net charge-offs | 132.5581% | 1,750 |
| Earnings coverage of net charge-offs (x) | 5.5465% | 3,239 |
| Efficiency ratio | 80.5584% | 1,832 |
| Assets per employee ($millions) | 3.9464% | 3,995 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3440% | 788 |
| Loan loss allowance to noncurrent loans | 79.4271% | 4,208 |
| Noncurrent assets plus other real estate owned to assets | 3.7867% | 543 |
| Noncurrent loans to loans | 2.9511% | 910 |
| Net loans and leases to total assets | 70.6806% | 2,085 |
| Net loans and leases to deposits | 89.0200% | 1,551 |
| Net loans and leases to core deposits | 90.2444% | 2,200 |
| Total domestic deposits to total assets | 79.3985% | 5,241 |
| Equity capital to assets | 10.5677% | 3,473 |
| Core capital (leverage) ratio | 9.7221% | 4,044 |
| Tier 1 risk-based capital ratio | 15.0588% | 3,553 |
| Total risk-based capital ratio | 16.3258% | 3,481 |
| Memoranda: | ||
| Average total assets | $162,846,750 | 3,472 |
| Average earning assets | $146,033,250 | 3,538 |
| Average equity | $16,876,250 | 3,557 |
| Average total loans | $118,645,250 | 3,088 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5702% | 1,610 |
| Cost of funding earning assets | 0.3979% | 3,890 |
| Net interest margin | 4.1723% | 1,307 |
| Noninterest income to average assets | 0.4277% | 4,039 |
| Noninterest expense to average assets | 3.2673% | 2,000 |
| Loan and lease loss provision to assets | 0.2684% | 776 |
| Net operating income to assets | 0.3726% | 5,320 |
| Return on assets (ROA) | 0.3726% | 5,388 |
| Pretax return on assets | 0.6189% | 4,897 |
| Return on Equity (ROE) | 3.6186% | 5,296 |
| Retained earnings to average equity (ytd only) | 3.6186% | 3,883 |
| Net charge-offs to loans | 0.3072% | 1,316 |
| Credit loss provision to net charge-offs | 119.6721% | 1,723 |
| Earnings coverage of net charge-offs (x) | 3.9563% | 3,197 |
| Efficiency ratio | 78.6431% | 2,212 |
| Assets per employee ($millions) | 3.8467% | 4,167 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2937% | 907 |
| Loan loss allowance to noncurrent loans | 70.9820% | 4,472 |
| Noncurrent assets plus other real estate owned to assets | 5.6436% | 290 |
| Noncurrent loans to loans | 3.2314% | 872 |
| Net loans and leases to total assets | 71.8463% | 1,771 |
| Net loans and leases to deposits | 91.3561% | 1,232 |
| Net loans and leases to core deposits | 92.6252% | 1,893 |
| Total domestic deposits to total assets | 78.6442% | 5,526 |
| Equity capital to assets | 10.5204% | 3,419 |
| Core capital (leverage) ratio | 9.6125% | 4,155 |
| Tier 1 risk-based capital ratio | 14.1444% | 4,154 |
| Total risk-based capital ratio | 15.4096% | 4,085 |
| Memoranda: | ||
| Average total assets | $163,194,330 | 3,487 |
| Average earning assets | $145,771,670 | 3,572 |
| Average equity | $16,802,000 | 3,565 |
| Average total loans | $119,157,330 | 3,080 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5204% | 1,744 |
| Cost of funding earning assets | 0.4060% | 3,893 |
| Net interest margin | 4.1144% | 1,421 |
| Noninterest income to average assets | 0.4049% | 4,151 |
| Noninterest expense to average assets | 3.3852% | 1,738 |
| Loan and lease loss provision to assets | 0.3317% | 543 |
| Net operating income to assets | 0.1927% | 5,820 |
| Return on assets (ROA) | 0.1927% | 5,864 |
| Pretax return on assets | 0.3707% | 5,541 |
| Return on Equity (ROE) | 1.8917% | 5,813 |
| Retained earnings to average equity (ytd only) | 1.8917% | 4,836 |
| Net charge-offs to loans | 0.5296% | 697 |
| Credit loss provision to net charge-offs | 86.0759% | 1,834 |
| Earnings coverage of net charge-offs (x) | 1.8228% | 3,012 |
| Efficiency ratio | 82.8162% | 1,822 |
| Assets per employee ($millions) | 3.7951% | 4,339 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2527% | 1,095 |
| Loan loss allowance to noncurrent loans | 72.0616% | 4,435 |
| Noncurrent assets plus other real estate owned to assets | 5.8056% | 304 |
| Noncurrent loans to loans | 3.1261% | 999 |
| Net loans and leases to total assets | 70.9145% | 1,737 |
| Net loans and leases to deposits | 88.8415% | 1,268 |
| Net loans and leases to core deposits | 90.5154% | 1,873 |
| Total domestic deposits to total assets | 79.8214% | 5,522 |
| Equity capital to assets | 10.2661% | 3,519 |
| Core capital (leverage) ratio | 9.3041% | 4,568 |
| Tier 1 risk-based capital ratio | 13.8187% | 4,452 |
| Total risk-based capital ratio | 15.0839% | 4,395 |
| Memoranda: | ||
| Average total assets | $164,010,000 | 3,495 |
| Average earning assets | $146,800,000 | 3,571 |
| Average equity | $16,704,500 | 3,591 |
| Average total loans | $119,335,000 | 3,084 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7796% | 1,371 |
| Cost of funding earning assets | 0.5168% | 3,434 |
| Net interest margin | 4.2628% | 1,191 |
| Noninterest income to average assets | 0.2711% | 5,414 |
| Noninterest expense to average assets | 3.3851% | 1,913 |
| Loan and lease loss provision to assets | 0.3949% | 762 |
| Net operating income to assets | 0.3067% | 5,501 |
| Return on assets (ROA) | 0.3067% | 5,598 |
| Pretax return on assets | 0.3345% | 5,637 |
| Return on Equity (ROE) | 3.1467% | 5,452 |
| Retained earnings to average equity (ytd only) | 3.1467% | 3,998 |
| Net charge-offs to loans | 1.7031% | 253 |
| Credit loss provision to net charge-offs | 31.6714% | 4,220 |
| Earnings coverage of net charge-offs (x) | 0.5850% | 4,889 |
| Efficiency ratio | 82.2734% | 1,844 |
| Assets per employee ($millions) | 3.8333% | 4,193 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2356% | 1,131 |
| Loan loss allowance to noncurrent loans | 39.2841% | 5,652 |
| Noncurrent assets plus other real estate owned to assets | 6.3422% | 290 |
| Noncurrent loans to loans | 5.6909% | 385 |
| Net loans and leases to total assets | 71.3393% | 1,786 |
| Net loans and leases to deposits | 89.2165% | 1,320 |
| Net loans and leases to core deposits | 90.8754% | 1,917 |
| Total domestic deposits to total assets | 79.9620% | 5,451 |
| Equity capital to assets | 10.1048% | 3,631 |
| Core capital (leverage) ratio | 9.1206% | 4,825 |
| Tier 1 risk-based capital ratio | 13.7404% | 4,491 |
| Total risk-based capital ratio | 15.0058% | 4,428 |
| Memoranda: | ||
| Average total assets | $168,919,200 | 3,424 |
| Average earning assets | $152,294,400 | 3,464 |
| Average equity | $16,461,800 | 3,632 |
| Average total loans | $123,655,000 | 2,963 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7151% | 1,552 |
| Cost of funding earning assets | 0.5422% | 3,344 |
| Net interest margin | 4.1729% | 1,414 |
| Noninterest income to average assets | 0.2730% | 5,490 |
| Noninterest expense to average assets | 3.1626% | 2,471 |
| Loan and lease loss provision to assets | 0.4025% | 747 |
| Net operating income to assets | 0.3719% | 5,366 |
| Return on assets (ROA) | 0.3719% | 5,499 |
| Pretax return on assets | 0.4700% | 5,443 |
| Return on Equity (ROE) | 3.8504% | 5,281 |
| Retained earnings to average equity (ytd only) | 3.8504% | 3,939 |
| Net charge-offs to loans | 1.7317% | 246 |
| Credit loss provision to net charge-offs | 31.7254% | 3,862 |
| Earnings coverage of net charge-offs (x) | 0.6877% | 4,620 |
| Efficiency ratio | 78.3784% | 2,363 |
| Assets per employee ($millions) | 3.8304% | 4,168 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4627% | 972 |
| Loan loss allowance to noncurrent loans | 42.6877% | 5,532 |
| Noncurrent assets plus other real estate owned to assets | 6.4854% | 333 |
| Noncurrent loans to loans | 5.7691% | 455 |
| Net loans and leases to total assets | 72.7149% | 1,499 |
| Net loans and leases to deposits | 91.9312% | 981 |
| Net loans and leases to core deposits | 94.1698% | 1,556 |
| Total domestic deposits to total assets | 79.0971% | 5,729 |
| Equity capital to assets | 10.0881% | 3,781 |
| Core capital (leverage) ratio | 9.1596% | 4,889 |
| Tier 1 risk-based capital ratio | 13.4833% | 4,768 |
| Total risk-based capital ratio | 14.7516% | 4,712 |
| Memoranda: | ||
| Average total assets | $169,941,000 | 3,450 |
| Average earning assets | $153,207,500 | 3,479 |
| Average equity | $16,413,250 | 3,684 |
| Average total loans | $124,499,000 | 2,966 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6418% | 1,721 |
| Cost of funding earning assets | 0.5668% | 3,247 |
| Net interest margin | 4.0750% | 1,615 |
| Noninterest income to average assets | 0.2936% | 5,351 |
| Noninterest expense to average assets | 3.1500% | 2,510 |
| Loan and lease loss provision to assets | 0.5918% | 431 |
| Net operating income to assets | 0.2807% | 5,661 |
| Return on assets (ROA) | 0.2807% | 5,802 |
| Pretax return on assets | 0.2283% | 6,031 |
| Return on Equity (ROE) | 2.9488% | 5,640 |
| Retained earnings to average equity (ytd only) | 2.9488% | 4,437 |
| Net charge-offs to loans | 1.8726% | 247 |
| Credit loss provision to net charge-offs | 43.3817% | 3,353 |
| Earnings coverage of net charge-offs (x) | 0.6012% | 4,330 |
| Efficiency ratio | 79.3427% | 2,252 |
| Assets per employee ($millions) | 3.8974% | 4,021 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7795% | 727 |
| Loan loss allowance to noncurrent loans | 35.5166% | 5,821 |
| Noncurrent assets plus other real estate owned to assets | 7.4402% | 306 |
| Noncurrent loans to loans | 7.8259% | 267 |
| Net loans and leases to total assets | 72.3186% | 1,521 |
| Net loans and leases to deposits | 89.8488% | 1,163 |
| Net loans and leases to core deposits | 91.9246% | 1,718 |
| Total domestic deposits to total assets | 80.4892% | 5,481 |
| Equity capital to assets | 9.7829% | 4,202 |
| Core capital (leverage) ratio | 9.0935% | 4,837 |
| Tier 1 risk-based capital ratio | 13.4665% | 4,793 |
| Total risk-based capital ratio | 14.7392% | 4,732 |
| Memoranda: | ||
| Average total assets | $171,685,000 | 3,436 |
| Average earning assets | $154,896,000 | 3,482 |
| Average equity | $16,345,670 | 3,717 |
| Average total loans | $125,068,000 | 2,970 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4462% | 2,365 |
| Cost of funding earning assets | 0.5925% | 3,176 |
| Net interest margin | 3.8537% | 2,267 |
| Noninterest income to average assets | 0.3338% | 5,028 |
| Noninterest expense to average assets | 3.1727% | 2,442 |
| Loan and lease loss provision to assets | 0.5802% | 440 |
| Net operating income to assets | 0.4398% | 4,961 |
| Return on assets (ROA) | 0.4398% | 5,125 |
| Pretax return on assets | 0.0553% | 6,329 |
| Return on Equity (ROE) | 4.6811% | 4,752 |
| Retained earnings to average equity (ytd only) | 4.6811% | 3,430 |
| Net charge-offs to loans | 2.0883% | 220 |
| Credit loss provision to net charge-offs | 38.5321% | 2,767 |
| Earnings coverage of net charge-offs (x) | 0.4220% | 3,671 |
| Efficiency ratio | 83.3132% | 1,853 |
| Assets per employee ($millions) | 3.9542% | 4,056 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9862% | 669 |
| Loan loss allowance to noncurrent loans | 31.5789% | 5,963 |
| Noncurrent assets plus other real estate owned to assets | 8.6502% | 271 |
| Noncurrent loans to loans | 9.4561% | 240 |
| Net loans and leases to total assets | 69.5750% | 1,737 |
| Net loans and leases to deposits | 85.6191% | 1,399 |
| Net loans and leases to core deposits | 88.7418% | 1,832 |
| Total domestic deposits to total assets | 81.2610% | 5,430 |
| Equity capital to assets | 9.4341% | 4,948 |
| Core capital (leverage) ratio | 8.5487% | 5,511 |
| Tier 1 risk-based capital ratio | 13.1207% | 5,129 |
| Total risk-based capital ratio | 14.3960% | 5,063 |
| Memoranda: | ||
| Average total assets | $173,733,000 | 3,436 |
| Average earning assets | $156,627,500 | 3,491 |
| Average equity | $16,321,000 | 3,768 |
| Average total loans | $125,270,500 | 2,984 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1122% | 1,282 |
| Cost of funding earning assets | 0.8022% | 2,647 |
| Net interest margin | 4.3100% | 1,385 |
| Noninterest income to average assets | 0.1555% | 6,258 |
| Noninterest expense to average assets | 3.0246% | 3,180 |
| Loan and lease loss provision to assets | 1.3394% | 257 |
| Net operating income to assets | -0.3121% | 6,451 |
| Return on assets (ROA) | -0.3121% | 6,505 |
| Pretax return on assets | -0.3404% | 6,501 |
| Return on Equity (ROE) | -3.5001% | 6,521 |
| Retained earnings to average equity (ytd only) | -3.5001% | 6,306 |
| Net charge-offs to loans | 2.9846% | 171 |
| Credit loss provision to net charge-offs | 60.5457% | 4,428 |
| Earnings coverage of net charge-offs (x) | 0.4516% | 5,262 |
| Efficiency ratio | 75.1723% | 2,881 |
| Assets per employee ($millions) | 4.1305% | 3,687 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2823% | 516 |
| Loan loss allowance to noncurrent loans | 46.8825% | 5,280 |
| Noncurrent assets plus other real estate owned to assets | 7.4723% | 400 |
| Noncurrent loans to loans | 7.0012% | 456 |
| Net loans and leases to total assets | 70.1155% | 1,819 |
| Net loans and leases to deposits | 86.2631% | 1,484 |
| Net loans and leases to core deposits | 89.1538% | 1,946 |
| Total domestic deposits to total assets | 81.2809% | 5,316 |
| Equity capital to assets | 9.3543% | 5,067 |
| Core capital (leverage) ratio | 8.4807% | 5,641 |
| Tier 1 risk-based capital ratio | 12.9336% | 5,160 |
| Total risk-based capital ratio | 14.2132% | 5,073 |
| Memoranda: | ||
| Average total assets | $183,890,800 | 3,259 |
| Average earning assets | $165,036,200 | 3,304 |
| Average equity | $16,399,400 | 3,726 |
| Average total loans | $136,298,000 | 2,769 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1830% | 1,233 |
| Cost of funding earning assets | 0.8568% | 2,487 |
| Net interest margin | 4.3262% | 1,403 |
| Noninterest income to average assets | 0.1230% | 6,519 |
| Noninterest expense to average assets | 2.9956% | 3,249 |
| Loan and lease loss provision to assets | 1.2283% | 293 |
| Net operating income to assets | -0.1845% | 6,489 |
| Return on assets (ROA) | -0.1845% | 6,560 |
| Pretax return on assets | -0.2202% | 6,552 |
| Return on Equity (ROE) | -2.0921% | 6,577 |
| Retained earnings to average equity (ytd only) | -2.0921% | 6,408 |
| Net charge-offs to loans | 2.7908% | 207 |
| Credit loss provision to net charge-offs | 59.0784% | 4,169 |
| Earnings coverage of net charge-offs (x) | 0.4849% | 5,077 |
| Efficiency ratio | 74.8214% | 2,854 |
| Assets per employee ($millions) | 3.7009% | 4,540 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5042% | 471 |
| Loan loss allowance to noncurrent loans | 51.7014% | 5,044 |
| Noncurrent assets plus other real estate owned to assets | 8.0154% | 384 |
| Noncurrent loans to loans | 6.7777% | 551 |
| Net loans and leases to total assets | 71.9227% | 1,566 |
| Net loans and leases to deposits | 88.6733% | 1,275 |
| Net loans and leases to core deposits | 93.5545% | 1,621 |
| Total domestic deposits to total assets | 81.1097% | 5,320 |
| Equity capital to assets | 9.5176% | 5,182 |
| Core capital (leverage) ratio | 9.4923% | 4,284 |
| Tier 1 risk-based capital ratio | 13.8449% | 4,660 |
| Total risk-based capital ratio | 15.1262% | 4,584 |
| Memoranda: | ||
| Average total assets | $186,493,250 | 3,252 |
| Average earning assets | $167,286,750 | 3,299 |
| Average equity | $16,442,250 | 3,748 |
| Average total loans | $138,931,250 | 2,760 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2329% | 1,174 |
| Cost of funding earning assets | 0.9074% | 2,343 |
| Net interest margin | 4.3255% | 1,405 |
| Noninterest income to average assets | 0.2077% | 6,074 |
| Noninterest expense to average assets | 2.9149% | 3,563 |
| Loan and lease loss provision to assets | 1.8020% | 179 |
| Net operating income to assets | -0.4395% | 6,706 |
| Return on assets (ROA) | -0.4395% | 6,751 |
| Pretax return on assets | -0.6241% | 6,786 |
| Return on Equity (ROE) | -5.1083% | 6,773 |
| Retained earnings to average equity (ytd only) | -5.1083% | 6,624 |
| Net charge-offs to loans | 3.0868% | 187 |
| Credit loss provision to net charge-offs | 78.3759% | 3,362 |
| Earnings coverage of net charge-offs (x) | 0.5123% | 4,817 |
| Efficiency ratio | 71.2199% | 3,563 |
| Assets per employee ($millions) | 3.7931% | 4,329 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8623% | 379 |
| Loan loss allowance to noncurrent loans | 65.1431% | 4,406 |
| Noncurrent assets plus other real estate owned to assets | 6.8403% | 582 |
| Noncurrent loans to loans | 5.9289% | 749 |
| Net loans and leases to total assets | 71.8980% | 1,575 |
| Net loans and leases to deposits | 87.5682% | 1,412 |
| Net loans and leases to core deposits | 94.4964% | 1,554 |
| Total domestic deposits to total assets | 82.1051% | 5,089 |
| Equity capital to assets | 9.0026% | 5,699 |
| Core capital (leverage) ratio | 8.9807% | 4,944 |
| Tier 1 risk-based capital ratio | 13.1383% | 5,085 |
| Total risk-based capital ratio | 14.4247% | 5,033 |
| Memoranda: | ||
| Average total assets | $190,677,330 | 3,208 |
| Average earning assets | $171,261,670 | 3,255 |
| Average equity | $16,404,670 | 3,745 |
| Average total loans | $142,026,330 | 2,741 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9169% | 2,177 |
| Cost of funding earning assets | 0.9321% | 2,424 |
| Net interest margin | 3.9848% | 2,572 |
| Noninterest income to average assets | 0.2318% | 5,969 |
| Noninterest expense to average assets | 2.8639% | 3,771 |
| Loan and lease loss provision to assets | 3.5244% | 46 |
| Net operating income to assets | -1.6022% | 7,108 |
| Return on assets (ROA) | -1.6022% | 7,111 |
| Pretax return on assets | -2.5520% | 7,182 |
| Return on Equity (ROE) | -19.0354% | 7,100 |
| Retained earnings to average equity (ytd only) | -19.0354% | 7,034 |
| Net charge-offs to loans | 6.1756% | 59 |
| Credit loss provision to net charge-offs | 76.7650% | 2,787 |
| Earnings coverage of net charge-offs (x) | 0.2118% | 4,263 |
| Efficiency ratio | 74.6524% | 2,996 |
| Assets per employee ($millions) | 4.2264% | 3,525 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6803% | 472 |
| Loan loss allowance to noncurrent loans | 55.9695% | 4,738 |
| Noncurrent assets plus other real estate owned to assets | 7.0196% | 612 |
| Noncurrent loans to loans | 6.5755% | 723 |
| Net loans and leases to total assets | 70.1770% | 1,726 |
| Net loans and leases to deposits | 86.7415% | 1,320 |
| Net loans and leases to core deposits | 95.3331% | 1,348 |
| Total domestic deposits to total assets | 80.9036% | 5,631 |
| Equity capital to assets | 8.2345% | 6,328 |
| Core capital (leverage) ratio | 8.2242% | 5,994 |
| Tier 1 risk-based capital ratio | 12.1178% | 5,884 |
| Total risk-based capital ratio | 13.4009% | 5,837 |
| Memoranda: | ||
| Average total assets | $194,981,500 | 3,168 |
| Average earning assets | $176,371,500 | 3,202 |
| Average equity | $16,411,500 | 3,746 |
| Average total loans | $144,958,000 | 2,702 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2468% | 1,886 |
| Cost of funding earning assets | 1.1274% | 2,485 |
| Net interest margin | 4.1194% | 2,352 |
| Noninterest income to average assets | 0.2471% | 5,761 |
| Noninterest expense to average assets | 2.7580% | 4,517 |
| Loan and lease loss provision to assets | 0.9354% | 1,027 |
| Net operating income to assets | 0.0217% | 6,000 |
| Return on assets (ROA) | 0.0217% | 6,117 |
| Pretax return on assets | 0.2215% | 5,737 |
| Return on Equity (ROE) | 0.2592% | 6,102 |
| Retained earnings to average equity (ytd only) | 0.2592% | 5,708 |
| Net charge-offs to loans | 0.4864% | 3,050 |
| Credit loss provision to net charge-offs | 246.4332% | 984 |
| Earnings coverage of net charge-offs (x) | 3.0480% | 3,684 |
| Efficiency ratio | 70.4477% | 3,853 |
| Assets per employee ($millions) | 4.2511% | 3,361 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8666% | 414 |
| Loan loss allowance to noncurrent loans | 59.3478% | 4,547 |
| Noncurrent assets plus other real estate owned to assets | 7.6063% | 563 |
| Noncurrent loans to loans | 6.5152% | 715 |
| Net loans and leases to total assets | 72.8902% | 1,476 |
| Net loans and leases to deposits | 90.5485% | 1,089 |
| Net loans and leases to core deposits | 99.5217% | 1,215 |
| Total domestic deposits to total assets | 80.4985% | 5,592 |
| Equity capital to assets | 8.5984% | 6,015 |
| Core capital (leverage) ratio | 8.5778% | 5,432 |
| Tier 1 risk-based capital ratio | 12.1971% | 5,692 |
| Total risk-based capital ratio | 13.4830% | 5,633 |
| Memoranda: | ||
| Average total assets | $203,117,800 | 3,021 |
| Average earning assets | $180,851,800 | 3,079 |
| Average equity | $16,976,000 | 3,582 |
| Average total loans | $158,506,400 | 2,521 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2167% | 2,144 |
| Cost of funding earning assets | 1.1689% | 2,511 |
| Net interest margin | 4.0477% | 2,698 |
| Noninterest income to average assets | 0.2426% | 5,886 |
| Noninterest expense to average assets | 2.6990% | 4,729 |
| Loan and lease loss provision to assets | 0.6985% | 1,384 |
| Net operating income to assets | 0.2556% | 5,550 |
| Return on assets (ROA) | 0.2556% | 5,702 |
| Pretax return on assets | 0.4370% | 5,350 |
| Return on Equity (ROE) | 3.0793% | 5,384 |
| Retained earnings to average equity (ytd only) | 3.0793% | 4,495 |
| Net charge-offs to loans | 0.6622% | 2,262 |
| Credit loss provision to net charge-offs | 134.2500% | 2,372 |
| Earnings coverage of net charge-offs (x) | 2.1825% | 4,036 |
| Efficiency ratio | 70.3867% | 3,887 |
| Assets per employee ($millions) | 4.3046% | 3,266 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2933% | 664 |
| Loan loss allowance to noncurrent loans | 41.3138% | 5,550 |
| Noncurrent assets plus other real estate owned to assets | 7.7404% | 590 |
| Noncurrent loans to loans | 7.9715% | 552 |
| Net loans and leases to total assets | 74.7630% | 1,186 |
| Net loans and leases to deposits | 92.2580% | 995 |
| Net loans and leases to core deposits | 103.2824% | 1,016 |
| Total domestic deposits to total assets | 81.0369% | 5,422 |
| Equity capital to assets | 8.4695% | 6,325 |
| Core capital (leverage) ratio | 8.4618% | 5,763 |
| Tier 1 risk-based capital ratio | 12.0217% | 5,878 |
| Total risk-based capital ratio | 13.3013% | 5,846 |
| Memoranda: | ||
| Average total assets | $205,010,000 | 3,022 |
| Average earning assets | $181,925,750 | 3,080 |
| Average equity | $17,016,500 | 3,583 |
| Average total loans | $161,065,750 | 2,495 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2138% | 2,208 |
| Cost of funding earning assets | 1.2112% | 2,497 |
| Net interest margin | 4.0025% | 2,822 |
| Noninterest income to average assets | 0.2584% | 5,803 |
| Noninterest expense to average assets | 2.6857% | 4,877 |
| Loan and lease loss provision to assets | 0.4381% | 2,242 |
| Net operating income to assets | 0.5352% | 4,350 |
| Return on assets (ROA) | 0.5352% | 4,496 |
| Pretax return on assets | 0.6556% | 4,550 |
| Return on Equity (ROE) | 6.4911% | 3,710 |
| Retained earnings to average equity (ytd only) | 6.4911% | 2,147 |
| Net charge-offs to loans | 0.5707% | 2,400 |
| Credit loss provision to net charge-offs | 97.1983% | 3,241 |
| Earnings coverage of net charge-offs (x) | 2.4267% | 3,603 |
| Efficiency ratio | 71.0614% | 3,927 |
| Assets per employee ($millions) | 4.2509% | 3,250 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0108% | 893 |
| Loan loss allowance to noncurrent loans | 39.0739% | 5,715 |
| Noncurrent assets plus other real estate owned to assets | 7.6708% | 623 |
| Noncurrent loans to loans | 7.7054% | 610 |
| Net loans and leases to total assets | 74.7748% | 1,267 |
| Net loans and leases to deposits | 93.3223% | 920 |
| Net loans and leases to core deposits | 105.6855% | 947 |
| Total domestic deposits to total assets | 80.1254% | 5,791 |
| Equity capital to assets | 8.2824% | 6,443 |
| Core capital (leverage) ratio | 8.2926% | 5,880 |
| Tier 1 risk-based capital ratio | 11.6475% | 6,057 |
| Total risk-based capital ratio | 12.9225% | 6,030 |
| Memoranda: | ||
| Average total assets | $205,908,670 | 3,022 |
| Average earning assets | $181,136,330 | 3,115 |
| Average equity | $16,977,000 | 3,574 |
| Average total loans | $162,618,670 | 2,500 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6495% | 976 |
| Cost of funding earning assets | 1.2779% | 2,317 |
| Net interest margin | 4.3716% | 1,362 |
| Noninterest income to average assets | 0.2657% | 5,769 |
| Noninterest expense to average assets | 2.5851% | 5,278 |
| Loan and lease loss provision to assets | 0.4396% | 2,008 |
| Net operating income to assets | 0.6018% | 4,024 |
| Return on assets (ROA) | 0.6018% | 4,089 |
| Pretax return on assets | 1.0043% | 3,121 |
| Return on Equity (ROE) | 7.3161% | 3,240 |
| Retained earnings to average equity (ytd only) | 7.3161% | 2,018 |
| Net charge-offs to loans | -0.4767% | 7,403 |
| Credit loss provision to net charge-offs | -115.3846% | 5,738 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1610% | 5,340 |
| Assets per employee ($millions) | 4.3218% | 3,200 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2833% | 721 |
| Loan loss allowance to noncurrent loans | 79.3644% | 3,561 |
| Noncurrent assets plus other real estate owned to assets | 5.3402% | 1,155 |
| Noncurrent loans to loans | 4.1370% | 1,739 |
| Net loans and leases to total assets | 75.5286% | 1,103 |
| Net loans and leases to deposits | 94.2902% | 800 |
| Net loans and leases to core deposits | 109.6745% | 743 |
| Total domestic deposits to total assets | 80.1023% | 5,918 |
| Equity capital to assets | 8.1877% | 6,294 |
| Core capital (leverage) ratio | 8.2085% | 5,960 |
| Tier 1 risk-based capital ratio | 10.9749% | 6,527 |
| Total risk-based capital ratio | 12.2521% | 6,490 |
| Memoranda: | ||
| Average total assets | $204,715,000 | 3,056 |
| Average earning assets | $176,226,500 | 3,206 |
| Average equity | $16,839,500 | 3,587 |
| Average total loans | $163,634,000 | 2,510 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7846% | 1,314 |
| Cost of funding earning assets | 1.5069% | 2,596 |
| Net interest margin | 4.2777% | 1,892 |
| Noninterest income to average assets | 0.2678% | 5,873 |
| Noninterest expense to average assets | 2.9149% | 4,167 |
| Loan and lease loss provision to assets | 3.9629% | 162 |
| Net operating income to assets | -1.7690% | 6,988 |
| Return on assets (ROA) | -1.7690% | 7,008 |
| Pretax return on assets | -2.6786% | 7,217 |
| Return on Equity (ROE) | -17.8354% | 6,995 |
| Retained earnings to average equity (ytd only) | -17.8354% | 6,965 |
| Net charge-offs to loans | 2.9507% | 568 |
| Credit loss provision to net charge-offs | 152.4798% | 2,347 |
| Earnings coverage of net charge-offs (x) | 0.4942% | 5,618 |
| Efficiency ratio | 69.4160% | 4,294 |
| Assets per employee ($millions) | 4.2975% | 3,214 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0841% | 812 |
| Loan loss allowance to noncurrent loans | 59.9859% | 4,431 |
| Noncurrent assets plus other real estate owned to assets | 5.7415% | 1,060 |
| Noncurrent loans to loans | 5.1413% | 1,293 |
| Net loans and leases to total assets | 79.2989% | 757 |
| Net loans and leases to deposits | 97.6897% | 743 |
| Net loans and leases to core deposits | 114.4267% | 702 |
| Total domestic deposits to total assets | 81.1743% | 5,466 |
| Equity capital to assets | 8.2650% | 6,189 |
| Core capital (leverage) ratio | 8.2782% | 5,714 |
| Tier 1 risk-based capital ratio | 10.4262% | 6,742 |
| Total risk-based capital ratio | 11.6999% | 6,708 |
| Memoranda: | ||
| Average total assets | $190,846,800 | 3,216 |
| Average earning assets | $175,396,200 | 3,181 |
| Average equity | $18,928,600 | 3,290 |
| Average total loans | $168,096,200 | 2,493 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9416% | 1,050 |
| Cost of funding earning assets | 1.5585% | 2,615 |
| Net interest margin | 4.3831% | 1,582 |
| Noninterest income to average assets | 0.2311% | 6,242 |
| Noninterest expense to average assets | 2.9918% | 3,777 |
| Loan and lease loss provision to assets | 3.2017% | 254 |
| Net operating income to assets | -2.0610% | 7,251 |
| Return on assets (ROA) | -2.0610% | 7,273 |
| Pretax return on assets | -1.9227% | 7,178 |
| Return on Equity (ROE) | -19.8894% | 7,218 |
| Retained earnings to average equity (ytd only) | -19.8894% | 7,201 |
| Net charge-offs to loans | 2.5907% | 640 |
| Credit loss provision to net charge-offs | 137.6829% | 2,900 |
| Earnings coverage of net charge-offs (x) | 0.5500% | 5,475 |
| Efficiency ratio | 70.0531% | 4,053 |
| Assets per employee ($millions) | 4.2779% | 3,295 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2640% | 1,680 |
| Loan loss allowance to noncurrent loans | 40.1203% | 5,615 |
| Noncurrent assets plus other real estate owned to assets | 5.5370% | 1,110 |
| Noncurrent loans to loans | 5.6430% | 1,161 |
| Net loans and leases to total assets | 85.2831% | 248 |
| Net loans and leases to deposits | 106.6778% | 334 |
| Net loans and leases to core deposits | 123.2101% | 521 |
| Total domestic deposits to total assets | 79.9445% | 5,725 |
| Equity capital to assets | 8.9306% | 5,666 |
| Core capital (leverage) ratio | 8.9306% | 4,798 |
| Tier 1 risk-based capital ratio | 10.8834% | 6,479 |
| Total risk-based capital ratio | 12.1318% | 6,459 |
| Memoranda: | ||
| Average total assets | $188,062,500 | 3,300 |
| Average earning assets | $173,328,250 | 3,263 |
| Average equity | $19,487,250 | 3,255 |
| Average total loans | $168,803,250 | 2,530 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0392% | 859 |
| Cost of funding earning assets | 1.6462% | 2,406 |
| Net interest margin | 4.3930% | 1,468 |
| Noninterest income to average assets | 0.2015% | 6,465 |
| Noninterest expense to average assets | 3.0132% | 3,665 |
| Loan and lease loss provision to assets | 0.8104% | 1,782 |
| Net operating income to assets | 0.3044% | 5,164 |
| Return on assets (ROA) | 0.3044% | 5,323 |
| Pretax return on assets | 0.4256% | 5,134 |
| Return on Equity (ROE) | 2.8046% | 5,323 |
| Retained earnings to average equity (ytd only) | 2.8046% | 4,349 |
| Net charge-offs to loans | 1.0232% | 1,826 |
| Credit loss provision to net charge-offs | 87.3988% | 4,504 |
| Earnings coverage of net charge-offs (x) | 1.3329% | 4,494 |
| Efficiency ratio | 70.9132% | 3,998 |
| Assets per employee ($millions) | 3.7782% | 4,275 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5067% | 3,887 |
| Loan loss allowance to noncurrent loans | 29.9800% | 6,368 |
| Noncurrent assets plus other real estate owned to assets | 5.1591% | 1,229 |
| Noncurrent loans to loans | 5.0258% | 1,370 |
| Net loans and leases to total assets | 88.1695% | 123 |
| Net loans and leases to deposits | 113.4372% | 210 |
| Net loans and leases to core deposits | 128.5490% | 448 |
| Total domestic deposits to total assets | 77.7254% | 6,329 |
| Equity capital to assets | 10.7898% | 3,082 |
| Core capital (leverage) ratio | 10.7898% | 2,405 |
| Tier 1 risk-based capital ratio | 12.8435% | 4,568 |
| Total risk-based capital ratio | 14.0980% | 4,526 |
| Memoranda: | ||
| Average total assets | $186,581,330 | 3,353 |
| Average earning assets | $171,909,330 | 3,307 |
| Average equity | $20,252,330 | 3,144 |
| Average total loans | $169,078,330 | 2,565 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1561% | 700 |
| Cost of funding earning assets | 1.6806% | 2,476 |
| Net interest margin | 4.4755% | 1,198 |
| Noninterest income to average assets | 0.2136% | 6,438 |
| Noninterest expense to average assets | 2.9426% | 3,898 |
| Loan and lease loss provision to assets | 0.6127% | 2,077 |
| Net operating income to assets | 0.3883% | 4,887 |
| Return on assets (ROA) | 0.3883% | 5,027 |
| Pretax return on assets | 0.7831% | 3,939 |
| Return on Equity (ROE) | 3.5667% | 5,084 |
| Retained earnings to average equity (ytd only) | 3.5667% | 4,012 |
| Net charge-offs to loans | 0.3644% | 2,957 |
| Credit loss provision to net charge-offs | 184.4156% | 1,984 |
| Earnings coverage of net charge-offs (x) | 4.2013% | 2,676 |
| Efficiency ratio | 67.8270% | 4,751 |
| Assets per employee ($millions) | 3.8937% | 4,112 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6432% | 3,280 |
| Loan loss allowance to noncurrent loans | 48.4448% | 5,109 |
| Noncurrent assets plus other real estate owned to assets | 3.8026% | 1,826 |
| Noncurrent loans to loans | 3.3919% | 2,360 |
| Net loans and leases to total assets | 89.2904% | 89 |
| Net loans and leases to deposits | 114.7665% | 200 |
| Net loans and leases to core deposits | 130.7801% | 472 |
| Total domestic deposits to total assets | 77.8018% | 6,368 |
| Equity capital to assets | 10.8492% | 2,897 |
| Core capital (leverage) ratio | 10.8492% | 2,336 |
| Tier 1 risk-based capital ratio | 12.8233% | 4,463 |
| Total risk-based capital ratio | 14.0736% | 4,435 |
| Memoranda: | ||
| Average total assets | $185,417,000 | 3,421 |
| Average earning assets | $170,887,500 | 3,391 |
| Average equity | $20,187,000 | 3,178 |
| Average total loans | $169,063,000 | 2,629 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4476% | 740 |
| Cost of funding earning assets | 2.1704% | 2,155 |
| Net interest margin | 4.2772% | 1,792 |
| Noninterest income to average assets | 0.3006% | 5,946 |
| Noninterest expense to average assets | 3.0177% | 4,083 |
| Loan and lease loss provision to assets | 0.9650% | 2,343 |
| Net operating income to assets | 0.2181% | 4,838 |
| Return on assets (ROA) | 0.2181% | 4,900 |
| Pretax return on assets | 0.2840% | 4,807 |
| Return on Equity (ROE) | 2.0309% | 4,888 |
| Retained earnings to average equity (ytd only) | 2.0309% | 3,686 |
| Net charge-offs to loans | 0.3543% | 4,457 |
| Credit loss provision to net charge-offs | 298.1788% | 1,117 |
| Earnings coverage of net charge-offs (x) | 3.8593% | 3,166 |
| Efficiency ratio | 70.7271% | 4,490 |
| Assets per employee ($millions) | 4.1804% | 3,478 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5779% | 3,364 |
| Loan loss allowance to noncurrent loans | 87.0619% | 3,198 |
| Noncurrent assets plus other real estate owned to assets | 1.8969% | 3,536 |
| Noncurrent loans to loans | 1.8123% | 3,911 |
| Net loans and leases to total assets | 90.1390% | 85 |
| Net loans and leases to deposits | 117.1519% | 212 |
| Net loans and leases to core deposits | 162.7449% | 311 |
| Total domestic deposits to total assets | 76.9420% | 6,496 |
| Equity capital to assets | 10.9261% | 2,757 |
| Core capital (leverage) ratio | 10.9261% | 2,268 |
| Tier 1 risk-based capital ratio | 12.6316% | 4,417 |
| Total risk-based capital ratio | 13.8817% | 4,357 |
| Memoranda: | ||
| Average total assets | $186,633,200 | 3,326 |
| Average earning assets | $173,055,800 | 3,305 |
| Average equity | $20,040,600 | 3,192 |
| Average total loans | $170,467,800 | 2,615 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4562% | 829 |
| Cost of funding earning assets | 2.2481% | 2,196 |
| Net interest margin | 4.2080% | 2,026 |
| Noninterest income to average assets | 0.2990% | 6,085 |
| Noninterest expense to average assets | 2.9633% | 4,193 |
| Loan and lease loss provision to assets | 0.3488% | 4,233 |
| Net operating income to assets | 0.4463% | 4,211 |
| Return on assets (ROA) | 0.4463% | 4,311 |
| Pretax return on assets | 0.8948% | 3,244 |
| Return on Equity (ROE) | 4.1744% | 4,314 |
| Retained earnings to average equity (ytd only) | 4.1744% | 2,948 |
| Net charge-offs to loans | 0.0834% | 5,845 |
| Credit loss provision to net charge-offs | 457.9439% | 856 |
| Earnings coverage of net charge-offs (x) | 16.3275% | 1,479 |
| Efficiency ratio | 70.4399% | 4,503 |
| Assets per employee ($millions) | 4.1536% | 3,454 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0834% | 5,824 |
| Loan loss allowance to noncurrent loans | 52.3864% | 4,825 |
| Noncurrent assets plus other real estate owned to assets | 2.0641% | 3,259 |
| Noncurrent loans to loans | 2.0682% | 3,539 |
| Net loans and leases to total assets | 90.0714% | 116 |
| Net loans and leases to deposits | 116.2672% | 266 |
| Net loans and leases to core deposits | 162.5325% | 348 |
| Total domestic deposits to total assets | 77.4693% | 6,224 |
| Equity capital to assets | 10.8697% | 3,143 |
| Core capital (leverage) ratio | 10.8697% | 2,508 |
| Tier 1 risk-based capital ratio | 12.9007% | 4,268 |
| Total risk-based capital ratio | 14.0715% | 4,249 |
| Memoranda: | ||
| Average total assets | $187,307,500 | 3,349 |
| Average earning assets | $173,948,500 | 3,322 |
| Average equity | $20,026,500 | 3,226 |
| Average total loans | $170,970,750 | 2,642 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4209% | 963 |
| Cost of funding earning assets | 2.2945% | 2,378 |
| Net interest margin | 4.1264% | 2,235 |
| Noninterest income to average assets | 0.2956% | 6,143 |
| Noninterest expense to average assets | 2.9407% | 4,331 |
| Loan and lease loss provision to assets | 0.2700% | 4,422 |
| Net operating income to assets | 0.4876% | 4,130 |
| Return on assets (ROA) | 0.4876% | 4,253 |
| Pretax return on assets | 0.9208% | 3,273 |
| Return on Equity (ROE) | 4.5861% | 4,264 |
| Retained earnings to average equity (ytd only) | 4.5861% | 2,741 |
| Net charge-offs to loans | 0.0701% | 5,528 |
| Credit loss provision to net charge-offs | 421.6667% | 1,095 |
| Earnings coverage of net charge-offs (x) | 18.6000% | 1,403 |
| Efficiency ratio | 71.1777% | 4,563 |
| Assets per employee ($millions) | 4.0863% | 3,523 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9569% | 6,520 |
| Loan loss allowance to noncurrent loans | 29.6968% | 6,509 |
| Noncurrent assets plus other real estate owned to assets | 3.1074% | 2,024 |
| Noncurrent loans to loans | 3.2223% | 2,212 |
| Net loans and leases to total assets | 91.1279% | 85 |
| Net loans and leases to deposits | 119.2846% | 251 |
| Net loans and leases to core deposits | 176.6857% | 253 |
| Total domestic deposits to total assets | 76.3954% | 6,467 |
| Equity capital to assets | 10.7181% | 3,184 |
| Core capital (leverage) ratio | 10.7181% | 2,646 |
| Tier 1 risk-based capital ratio | 12.6891% | 4,366 |
| Total risk-based capital ratio | 13.7315% | 4,460 |
| Memoranda: | ||
| Average total assets | $187,438,670 | 3,370 |
| Average earning assets | $174,244,000 | 3,342 |
| Average equity | $19,929,670 | 3,253 |
| Average total loans | $171,227,670 | 2,673 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3232% | 1,236 |
| Cost of funding earning assets | 2.3617% | 2,458 |
| Net interest margin | 3.9615% | 2,810 |
| Noninterest income to average assets | 0.3483% | 5,660 |
| Noninterest expense to average assets | 2.7269% | 4,893 |
| Loan and lease loss provision to assets | 0.2714% | 3,786 |
| Net operating income to assets | 0.5471% | 4,228 |
| Return on assets (ROA) | 0.5471% | 4,411 |
| Pretax return on assets | 1.0279% | 3,256 |
| Return on Equity (ROE) | 5.1662% | 4,400 |
| Retained earnings to average equity (ytd only) | 5.1662% | 3,031 |
| Net charge-offs to loans | 0.0446% | 4,854 |
| Credit loss provision to net charge-offs | 668.4211% | 866 |
| Earnings coverage of net charge-offs (x) | 32.0000% | 1,010 |
| Efficiency ratio | 67.7282% | 5,017 |
| Assets per employee ($millions) | 3.9006% | 3,871 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9172% | 6,667 |
| Loan loss allowance to noncurrent loans | 68.7856% | 4,142 |
| Noncurrent assets plus other real estate owned to assets | 1.6082% | 3,508 |
| Noncurrent loans to loans | 1.3334% | 4,316 |
| Net loans and leases to total assets | 90.5298% | 118 |
| Net loans and leases to deposits | 119.3892% | 302 |
| Net loans and leases to core deposits | 167.9279% | 376 |
| Total domestic deposits to total assets | 75.8275% | 6,545 |
| Equity capital to assets | 10.6533% | 3,326 |
| Core capital (leverage) ratio | 10.6528% | 2,784 |
| Tier 1 risk-based capital ratio | 12.1842% | 4,800 |
| Total risk-based capital ratio | 13.1427% | 4,957 |
| Memoranda: | ||
| Average total assets | $187,172,000 | 3,395 |
| Average earning assets | $173,772,500 | 3,366 |
| Average equity | $19,821,000 | 3,281 |
| Average total loans | $170,366,500 | 2,694 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7088% | 1,996 |
| Cost of funding earning assets | 3.0356% | 1,729 |
| Net interest margin | 3.6732% | 4,589 |
| Noninterest income to average assets | 0.4393% | 5,122 |
| Noninterest expense to average assets | 2.9489% | 4,260 |
| Loan and lease loss provision to assets | 0.2575% | 4,340 |
| Net operating income to assets | 0.4095% | 5,118 |
| Return on assets (ROA) | 0.4095% | 4,932 |
| Pretax return on assets | 0.6394% | 4,575 |
| Return on Equity (ROE) | 3.9085% | 4,857 |
| Retained earnings to average equity (ytd only) | 3.9085% | 2,697 |
| Net charge-offs to loans | 0.1294% | 4,941 |
| Credit loss provision to net charge-offs | 221.3953% | 2,163 |
| Earnings coverage of net charge-offs (x) | 7.7116% | 3,043 |
| Efficiency ratio | 76.6775% | 3,121 |
| Assets per employee ($millions) | 3.8982% | 3,740 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8605% | 6,848 |
| Loan loss allowance to noncurrent loans | 73.4776% | 4,400 |
| Noncurrent assets plus other real estate owned to assets | 1.5397% | 3,143 |
| Noncurrent loans to loans | 1.1711% | 4,180 |
| Net loans and leases to total assets | 89.8944% | 201 |
| Net loans and leases to deposits | 120.7760% | 372 |
| Net loans and leases to core deposits | 163.6771% | 511 |
| Total domestic deposits to total assets | 74.4307% | 6,572 |
| Equity capital to assets | 10.5261% | 3,470 |
| Core capital (leverage) ratio | 10.5228% | 2,958 |
| Tier 1 risk-based capital ratio | 12.1004% | 4,739 |
| Total risk-based capital ratio | 12.9977% | 4,935 |
| Memoranda: | ||
| Average total assets | $184,851,000 | 3,343 |
| Average earning assets | $171,431,000 | 3,316 |
| Average equity | $19,367,800 | 3,334 |
| Average total loans | $166,185,600 | 2,686 |