Home > Greenville Federal > Performance and Condition Ratios
Greenville Federal, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1900% | 3,645 |
| Cost of funding earning assets | 1.2813% | 2,572 |
| Net interest margin | 2.9088% | 3,463 |
| Noninterest income to average assets | 0.5900% | 1,571 |
| Noninterest expense to average assets | 3.1133% | 943 |
| Loan and lease loss provision to assets | -0.1100% | 4,523 |
| Net operating income to assets | 0.2016% | 4,163 |
| Return on assets (ROA) | 0.2016% | 4,173 |
| Pretax return on assets | 0.2303% | 4,167 |
| Return on Equity (ROE) | 2.4100% | 4,108 |
| Retained earnings to average equity (ytd only) | 2.4089% | 3,479 |
| Net charge-offs to loans | 0.0160% | 2,062 |
| Credit loss provision to net charge-offs | -856.6667% | 4,559 |
| Earnings coverage of net charge-offs (x) | 10.1667% | 2,253 |
| Efficiency ratio | 96.1407% | 258 |
| Assets per employee ($millions) | 4.8780% | 3,723 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7033% | 4,122 |
| Loan loss allowance to noncurrent loans | 139.8936% | 2,934 |
| Noncurrent assets plus other real estate owned to assets | 0.3933% | 1,412 |
| Noncurrent loans to loans | 0.5028% | 1,527 |
| Net loans and leases to total assets | 77.6700% | 896 |
| Net loans and leases to deposits | 85.7579% | 1,636 |
| Net loans and leases to core deposits | 102.5011% | 1,305 |
| Total domestic deposits to total assets | 90.5700% | 611 |
| Equity capital to assets | 8.6331% | 2,943 |
| Core capital (leverage) ratio | 8.5099% | 4,090 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2938% | 2,138 |
| Memoranda: | ||
| Average total assets | $244,049,600 | 2,717 |
| Average earning assets | $222,432,200 | 2,724 |
| Average equity | $20,424,000 | 2,826 |
| Average total loans | $187,701,800 | 2,374 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1036% | 3,656 |
| Cost of funding earning assets | 1.1877% | 2,466 |
| Net interest margin | 2.9159% | 3,508 |
| Noninterest income to average assets | 0.5800% | 1,600 |
| Noninterest expense to average assets | 3.0785% | 957 |
| Loan and lease loss provision to assets | -0.1500% | 4,571 |
| Net operating income to assets | 0.2663% | 4,158 |
| Return on assets (ROA) | 0.2663% | 4,158 |
| Pretax return on assets | 0.3104% | 4,160 |
| Return on Equity (ROE) | 3.2100% | 4,080 |
| Retained earnings to average equity (ytd only) | 3.2071% | 3,460 |
| Net charge-offs to loans | 0.0192% | 1,746 |
| Credit loss provision to net charge-offs | -1,000.0000% | 4,597 |
| Earnings coverage of net charge-offs (x) | 11.1481% | 2,104 |
| Efficiency ratio | 94.9539% | 251 |
| Assets per employee ($millions) | 4.9079% | 3,668 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7034% | 4,133 |
| Loan loss allowance to noncurrent loans | 152.3921% | 2,806 |
| Noncurrent assets plus other real estate owned to assets | 0.3492% | 1,629 |
| Noncurrent loans to loans | 0.4616% | 1,667 |
| Net loans and leases to total assets | 75.1300% | 1,222 |
| Net loans and leases to deposits | 82.8069% | 1,844 |
| Net loans and leases to core deposits | 99.9783% | 1,320 |
| Total domestic deposits to total assets | 90.7300% | 736 |
| Equity capital to assets | 8.3784% | 2,807 |
| Core capital (leverage) ratio | 8.5979% | 4,095 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2099% | 2,197 |
| Memoranda: | ||
| Average total assets | $245,306,250 | 2,716 |
| Average earning assets | $223,735,500 | 2,731 |
| Average equity | $20,371,250 | 2,810 |
| Average total loans | $187,885,250 | 2,382 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0062% | 3,677 |
| Cost of funding earning assets | 1.1054% | 2,265 |
| Net interest margin | 2.9008% | 3,642 |
| Noninterest income to average assets | 0.5700% | 1,585 |
| Noninterest expense to average assets | 3.0659% | 946 |
| Loan and lease loss provision to assets | -0.1700% | 4,600 |
| Net operating income to assets | 0.2805% | 4,181 |
| Return on assets (ROA) | 0.2805% | 4,213 |
| Pretax return on assets | 0.3286% | 4,199 |
| Return on Equity (ROE) | 3.3900% | 4,109 |
| Retained earnings to average equity (ytd only) | 3.3878% | 3,380 |
| Net charge-offs to loans | 0.0233% | 1,413 |
| Credit loss provision to net charge-offs | -972.7273% | 4,621 |
| Earnings coverage of net charge-offs (x) | 8.5909% | 2,052 |
| Efficiency ratio | 95.2140% | 241 |
| Assets per employee ($millions) | 4.9638% | 3,625 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7356% | 4,123 |
| Loan loss allowance to noncurrent loans | 38.1884% | 3,710 |
| Noncurrent assets plus other real estate owned to assets | 1.4707% | 244 |
| Noncurrent loans to loans | 1.9263% | 298 |
| Net loans and leases to total assets | 75.7800% | 1,079 |
| Net loans and leases to deposits | 83.6679% | 1,701 |
| Net loans and leases to core deposits | 99.4025% | 1,270 |
| Total domestic deposits to total assets | 90.5800% | 759 |
| Equity capital to assets | 8.3906% | 2,955 |
| Core capital (leverage) ratio | 8.3458% | 4,230 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0223% | 2,286 |
| Memoranda: | ||
| Average total assets | $245,277,333 | 2,725 |
| Average earning assets | $223,803,333 | 2,740 |
| Average equity | $20,308,333 | 2,835 |
| Average total loans | $188,622,333 | 2,363 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9239% | 3,624 |
| Cost of funding earning assets | 0.9912% | 2,077 |
| Net interest margin | 2.9327% | 3,731 |
| Noninterest income to average assets | 0.5500% | 1,626 |
| Noninterest expense to average assets | 3.0401% | 1,004 |
| Loan and lease loss provision to assets | -0.1900% | 4,620 |
| Net operating income to assets | 0.3167% | 4,227 |
| Return on assets (ROA) | 0.3167% | 4,187 |
| Pretax return on assets | 0.3751% | 4,162 |
| Return on Equity (ROE) | 3.8500% | 4,060 |
| Retained earnings to average equity (ytd only) | 3.8502% | 3,310 |
| Net charge-offs to loans | 0.0316% | 1,081 |
| Credit loss provision to net charge-offs | -786.6667% | 4,646 |
| Earnings coverage of net charge-offs (x) | 7.5333% | 1,751 |
| Efficiency ratio | 94.3073% | 253 |
| Assets per employee ($millions) | 5.1169% | 3,565 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7710% | 4,135 |
| Loan loss allowance to noncurrent loans | 54.1268% | 3,675 |
| Noncurrent assets plus other real estate owned to assets | 1.0825% | 363 |
| Noncurrent loans to loans | 1.4245% | 463 |
| Net loans and leases to total assets | 75.4000% | 1,036 |
| Net loans and leases to deposits | 82.8333% | 1,584 |
| Net loans and leases to core deposits | 97.0533% | 1,228 |
| Total domestic deposits to total assets | 91.0300% | 789 |
| Equity capital to assets | 8.0777% | 3,186 |
| Core capital (leverage) ratio | 8.3531% | 4,242 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5615% | 2,554 |
| Memoranda: | ||
| Average total assets | $246,304,000 | 2,746 |
| Average earning assets | $224,778,000 | 2,776 |
| Average equity | $20,258,500 | 2,869 |
| Average total loans | $190,087,000 | 2,373 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5684% | 2,887 |
| Cost of funding earning assets | 0.5041% | 1,360 |
| Net interest margin | 3.0644% | 3,277 |
| Noninterest income to average assets | 0.7600% | 1,100 |
| Noninterest expense to average assets | 3.1518% | 778 |
| Loan and lease loss provision to assets | 0.0600% | 1,752 |
| Net operating income to assets | 0.2951% | 4,369 |
| Return on assets (ROA) | 0.2951% | 4,343 |
| Pretax return on assets | 0.3501% | 4,328 |
| Return on Equity (ROE) | 3.2800% | 4,267 |
| Retained earnings to average equity (ytd only) | 3.2842% | 3,635 |
| Net charge-offs to loans | 0.0050% | 2,250 |
| Credit loss provision to net charge-offs | 1,677.7778% | 295 |
| Earnings coverage of net charge-offs (x) | 108.0000% | 938 |
| Efficiency ratio | 88.3788% | 346 |
| Assets per employee ($millions) | 4.8376% | 3,787 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7029% | 4,206 |
| Loan loss allowance to noncurrent loans | 48.6319% | 3,711 |
| Noncurrent assets plus other real estate owned to assets | 1.1332% | 346 |
| Noncurrent loans to loans | 1.4453% | 459 |
| Net loans and leases to total assets | 77.8500% | 810 |
| Net loans and leases to deposits | 85.9851% | 1,316 |
| Net loans and leases to core deposits | 98.7670% | 1,065 |
| Total domestic deposits to total assets | 90.5400% | 1,133 |
| Equity capital to assets | 8.3777% | 2,785 |
| Core capital (leverage) ratio | 8.5746% | 4,071 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5575% | 2,545 |
| Memoranda: | ||
| Average total assets | $234,535,000 | 2,825 |
| Average earning assets | $214,661,000 | 2,831 |
| Average equity | $21,070,800 | 2,853 |
| Average total loans | $180,757,800 | 2,366 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4693% | 2,711 |
| Cost of funding earning assets | 0.4467% | 997 |
| Net interest margin | 3.0225% | 3,160 |
| Noninterest income to average assets | 0.6300% | 1,585 |
| Noninterest expense to average assets | 3.0631% | 837 |
| Loan and lease loss provision to assets | 0.0600% | 1,588 |
| Net operating income to assets | 0.2355% | 4,440 |
| Return on assets (ROA) | 0.2355% | 4,403 |
| Pretax return on assets | 0.2762% | 4,401 |
| Return on Equity (ROE) | 2.5800% | 4,350 |
| Retained earnings to average equity (ytd only) | 2.5760% | 3,899 |
| Net charge-offs to loans | 0.0052% | 1,979 |
| Credit loss provision to net charge-offs | 1,414.2857% | 317 |
| Earnings coverage of net charge-offs (x) | 83.0000% | 1,027 |
| Efficiency ratio | 90.1974% | 311 |
| Assets per employee ($millions) | 4.4684% | 4,080 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6955% | 4,256 |
| Loan loss allowance to noncurrent loans | 45.9498% | 3,803 |
| Noncurrent assets plus other real estate owned to assets | 1.2007% | 343 |
| Noncurrent loans to loans | 1.5136% | 466 |
| Net loans and leases to total assets | 78.7800% | 633 |
| Net loans and leases to deposits | 88.0130% | 1,034 |
| Net loans and leases to core deposits | 99.0739% | 852 |
| Total domestic deposits to total assets | 89.5100% | 1,870 |
| Equity capital to assets | 9.2453% | 2,041 |
| Core capital (leverage) ratio | 9.2216% | 3,363 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6041% | 2,214 |
| Memoranda: | ||
| Average total assets | $232,698,500 | 2,850 |
| Average earning assets | $213,104,500 | 2,860 |
| Average equity | $21,272,500 | 2,870 |
| Average total loans | $178,535,250 | 2,389 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3391% | 2,612 |
| Cost of funding earning assets | 0.4099% | 859 |
| Net interest margin | 2.9292% | 3,091 |
| Noninterest income to average assets | 0.6331% | 1,602 |
| Noninterest expense to average assets | 2.9818% | 864 |
| Loan and lease loss provision to assets | 0.0447% | 1,775 |
| Net operating income to assets | 0.2457% | 4,367 |
| Return on assets (ROA) | 0.2457% | 4,329 |
| Pretax return on assets | 0.2895% | 4,310 |
| Return on Equity (ROE) | 2.6978% | 4,262 |
| Retained earnings to average equity (ytd only) | 2.6978% | 3,550 |
| Net charge-offs to loans | 0.0068% | 1,749 |
| Credit loss provision to net charge-offs | 866.6667% | 452 |
| Earnings coverage of net charge-offs (x) | 64.8333% | 1,043 |
| Efficiency ratio | 89.9223% | 408 |
| Assets per employee ($millions) | 4.6914% | 3,935 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6828% | 4,358 |
| Loan loss allowance to noncurrent loans | 43.5104% | 3,852 |
| Noncurrent assets plus other real estate owned to assets | 1.2120% | 348 |
| Noncurrent loans to loans | 1.5692% | 467 |
| Net loans and leases to total assets | 76.7080% | 661 |
| Net loans and leases to deposits | 85.7421% | 996 |
| Net loans and leases to core deposits | 97.9211% | 761 |
| Total domestic deposits to total assets | 89.4637% | 1,968 |
| Equity capital to assets | 9.1022% | 2,313 |
| Core capital (leverage) ratio | 9.3688% | 3,048 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6786% | 2,218 |
| Memoranda: | ||
| Average total assets | $232,812,667 | 2,871 |
| Average earning assets | $213,229,333 | 2,891 |
| Average equity | $21,202,667 | 2,958 |
| Average total loans | $176,604,667 | 2,402 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3181% | 2,326 |
| Cost of funding earning assets | 0.4258% | 751 |
| Net interest margin | 2.8923% | 2,868 |
| Noninterest income to average assets | 0.6002% | 1,697 |
| Noninterest expense to average assets | 2.9112% | 940 |
| Loan and lease loss provision to assets | 0.0310% | 1,808 |
| Net operating income to assets | 0.2587% | 4,225 |
| Return on assets (ROA) | 0.2587% | 4,197 |
| Pretax return on assets | 0.3053% | 4,181 |
| Return on Equity (ROE) | 2.8398% | 4,132 |
| Retained earnings to average equity (ytd only) | 2.8398% | 3,320 |
| Net charge-offs to loans | 0.0069% | 1,504 |
| Credit loss provision to net charge-offs | 600.0000% | 466 |
| Earnings coverage of net charge-offs (x) | 65.0000% | 826 |
| Efficiency ratio | 89.6442% | 565 |
| Assets per employee ($millions) | 4.7902% | 3,930 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7016% | 4,381 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 72.7218% | 769 |
| Net loans and leases to deposits | 81.1341% | 1,064 |
| Net loans and leases to core deposits | 93.2087% | 767 |
| Total domestic deposits to total assets | 89.6316% | 1,752 |
| Equity capital to assets | 9.0349% | 2,681 |
| Core capital (leverage) ratio | 9.2453% | 3,080 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8547% | 2,281 |
| Memoranda: | ||
| Average total assets | $231,934,000 | 2,889 |
| Average earning assets | $212,291,000 | 2,913 |
| Average equity | $21,128,500 | 3,050 |
| Average total loans | $174,321,500 | 2,423 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6016% | 2,385 |
| Cost of funding earning assets | 0.5684% | 637 |
| Net interest margin | 3.0331% | 3,101 |
| Noninterest income to average assets | 0.8053% | 1,431 |
| Noninterest expense to average assets | 2.9931% | 992 |
| Loan and lease loss provision to assets | 0.0297% | 2,465 |
| Net operating income to assets | 0.4796% | 4,132 |
| Return on assets (ROA) | 0.4796% | 4,174 |
| Pretax return on assets | 0.5768% | 4,140 |
| Return on Equity (ROE) | 5.2123% | 3,951 |
| Retained earnings to average equity (ytd only) | 5.2123% | 2,708 |
| Net charge-offs to loans | 0.0088% | 2,247 |
| Credit loss provision to net charge-offs | 440.0000% | 866 |
| Earnings coverage of net charge-offs (x) | 89.8667% | 929 |
| Efficiency ratio | 83.1521% | 613 |
| Assets per employee ($millions) | 4.5829% | 4,054 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6739% | 4,469 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 76.6114% | 474 |
| Net loans and leases to deposits | 85.5483% | 821 |
| Net loans and leases to core deposits | 101.2276% | 487 |
| Total domestic deposits to total assets | 89.5534% | 1,204 |
| Equity capital to assets | 9.1863% | 3,437 |
| Core capital (leverage) ratio | 9.2662% | 3,091 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9684% | 2,260 |
| Memoranda: | ||
| Average total assets | $222,276,000 | 2,892 |
| Average earning assets | $204,771,000 | 2,917 |
| Average equity | $20,451,800 | 3,177 |
| Average total loans | $171,028,000 | 2,457 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5903% | 2,586 |
| Cost of funding earning assets | 0.6115% | 602 |
| Net interest margin | 2.9788% | 3,360 |
| Noninterest income to average assets | 0.8312% | 1,436 |
| Noninterest expense to average assets | 2.9561% | 1,039 |
| Loan and lease loss provision to assets | 0.0340% | 2,322 |
| Net operating income to assets | 0.4866% | 4,230 |
| Return on assets (ROA) | 0.4866% | 4,277 |
| Pretax return on assets | 0.5858% | 4,253 |
| Return on Equity (ROE) | 5.2866% | 4,067 |
| Retained earnings to average equity (ytd only) | 5.2866% | 3,105 |
| Net charge-offs to loans | -0.0094% | 3,653 |
| Credit loss provision to net charge-offs | -466.6667% | 3,629 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.6712% | 598 |
| Assets per employee ($millions) | 4.3821% | 4,199 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6901% | 4,520 |
| Loan loss allowance to noncurrent loans | 1,491.3580% | 584 |
| Noncurrent assets plus other real estate owned to assets | 0.0362% | 3,914 |
| Noncurrent loans to loans | 0.0463% | 3,883 |
| Net loans and leases to total assets | 77.7897% | 415 |
| Net loans and leases to deposits | 87.0756% | 762 |
| Net loans and leases to core deposits | 102.4914% | 507 |
| Total domestic deposits to total assets | 89.3358% | 1,103 |
| Equity capital to assets | 9.2637% | 3,597 |
| Core capital (leverage) ratio | 9.3179% | 3,200 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0709% | 2,334 |
| Memoranda: | ||
| Average total assets | $220,558,500 | 2,932 |
| Average earning assets | $203,209,000 | 2,958 |
| Average equity | $20,302,250 | 3,220 |
| Average total loans | $169,599,250 | 2,501 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5362% | 2,805 |
| Cost of funding earning assets | 0.6260% | 650 |
| Net interest margin | 2.9102% | 3,557 |
| Noninterest income to average assets | 0.8890% | 1,302 |
| Noninterest expense to average assets | 2.9010% | 1,143 |
| Loan and lease loss provision to assets | 0.0328% | 2,325 |
| Net operating income to assets | 0.5337% | 4,155 |
| Return on assets (ROA) | 0.5337% | 4,203 |
| Pretax return on assets | 0.6439% | 4,165 |
| Return on Equity (ROE) | 5.8110% | 3,955 |
| Retained earnings to average equity (ytd only) | 5.8110% | 2,885 |
| Net charge-offs to loans | 0.0048% | 1,975 |
| Credit loss provision to net charge-offs | 900.0000% | 500 |
| Earnings coverage of net charge-offs (x) | 185.7500% | 519 |
| Efficiency ratio | 81.0845% | 721 |
| Assets per employee ($millions) | 4.6233% | 3,994 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6876% | 4,556 |
| Loan loss allowance to noncurrent loans | 855.4745% | 834 |
| Noncurrent assets plus other real estate owned to assets | 0.0617% | 3,817 |
| Noncurrent loans to loans | 0.0804% | 3,786 |
| Net loans and leases to total assets | 76.2742% | 564 |
| Net loans and leases to deposits | 85.4181% | 949 |
| Net loans and leases to core deposits | 101.5868% | 604 |
| Total domestic deposits to total assets | 89.2952% | 1,144 |
| Equity capital to assets | 9.2277% | 3,584 |
| Core capital (leverage) ratio | 9.3642% | 3,054 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4127% | 2,201 |
| Memoranda: | ||
| Average total assets | $219,582,667 | 2,944 |
| Average earning assets | $202,875,667 | 2,959 |
| Average equity | $20,168,667 | 3,226 |
| Average total loans | $167,780,000 | 2,529 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3928% | 3,214 |
| Cost of funding earning assets | 0.6524% | 681 |
| Net interest margin | 2.7404% | 3,885 |
| Noninterest income to average assets | 1.0842% | 1,005 |
| Noninterest expense to average assets | 3.0016% | 991 |
| Loan and lease loss provision to assets | 0.0348% | 2,311 |
| Net operating income to assets | 0.4817% | 4,204 |
| Return on assets (ROA) | 0.4817% | 4,243 |
| Pretax return on assets | 0.5787% | 4,221 |
| Return on Equity (ROE) | 5.2563% | 4,045 |
| Retained earnings to average equity (ytd only) | 5.2563% | 3,148 |
| Net charge-offs to loans | 0.0096% | 1,571 |
| Credit loss provision to net charge-offs | 475.0000% | 605 |
| Earnings coverage of net charge-offs (x) | 83.7500% | 677 |
| Efficiency ratio | 83.0294% | 645 |
| Assets per employee ($millions) | 4.6712% | 3,959 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6811% | 4,596 |
| Loan loss allowance to noncurrent loans | 592.3077% | 1,034 |
| Noncurrent assets plus other real estate owned to assets | 0.0870% | 3,759 |
| Noncurrent loans to loans | 0.1150% | 3,732 |
| Net loans and leases to total assets | 75.1144% | 705 |
| Net loans and leases to deposits | 83.8582% | 1,164 |
| Net loans and leases to core deposits | 100.2261% | 703 |
| Total domestic deposits to total assets | 89.5731% | 1,036 |
| Equity capital to assets | 8.9868% | 3,699 |
| Core capital (leverage) ratio | 9.1743% | 3,420 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1754% | 2,218 |
| Memoranda: | ||
| Average total assets | $218,414,500 | 2,943 |
| Average earning assets | $201,723,000 | 2,957 |
| Average equity | $20,014,000 | 3,236 |
| Average total loans | $166,450,500 | 2,540 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6735% | 3,647 |
| Cost of funding earning assets | 0.8666% | 965 |
| Net interest margin | 2.8069% | 4,253 |
| Noninterest income to average assets | 1.0678% | 934 |
| Noninterest expense to average assets | 3.1372% | 1,164 |
| Loan and lease loss provision to assets | 0.1850% | 2,099 |
| Net operating income to assets | 0.2832% | 4,457 |
| Return on assets (ROA) | 0.2832% | 4,519 |
| Pretax return on assets | 0.3316% | 4,508 |
| Return on Equity (ROE) | 2.9012% | 4,405 |
| Retained earnings to average equity (ytd only) | -4.0891% | 4,813 |
| Net charge-offs to loans | 0.1382% | 1,166 |
| Credit loss provision to net charge-offs | 172.3214% | 2,306 |
| Earnings coverage of net charge-offs (x) | 4.8125% | 2,931 |
| Efficiency ratio | 85.8604% | 536 |
| Assets per employee ($millions) | 4.0115% | 4,366 |
| Cash dividends to net income (ytd only)* | 240.9475% | 43 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6980% | 4,591 |
| Loan loss allowance to noncurrent loans | 376.2376% | 1,441 |
| Noncurrent assets plus other real estate owned to assets | 0.1425% | 3,579 |
| Noncurrent loans to loans | 0.1855% | 3,549 |
| Net loans and leases to total assets | 76.2830% | 751 |
| Net loans and leases to deposits | 85.4650% | 1,298 |
| Net loans and leases to core deposits | 103.2604% | 757 |
| Total domestic deposits to total assets | 89.2564% | 873 |
| Equity capital to assets | 9.3495% | 3,740 |
| Core capital (leverage) ratio | 9.4511% | 3,170 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8830% | 1,893 |
| Memoranda: | ||
| Average total assets | $208,656,600 | 2,873 |
| Average earning assets | $192,239,400 | 2,892 |
| Average equity | $20,371,000 | 3,155 |
| Average total loans | $162,080,400 | 2,554 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6487% | 3,914 |
| Cost of funding earning assets | 0.9399% | 934 |
| Net interest margin | 2.7088% | 4,454 |
| Noninterest income to average assets | 1.0452% | 954 |
| Noninterest expense to average assets | 3.0278% | 1,381 |
| Loan and lease loss provision to assets | 0.2465% | 1,645 |
| Net operating income to assets | 0.2318% | 4,544 |
| Return on assets (ROA) | 0.2318% | 4,583 |
| Pretax return on assets | 0.2671% | 4,588 |
| Return on Equity (ROE) | 2.3486% | 4,499 |
| Retained earnings to average equity (ytd only) | 2.3486% | 3,801 |
| Net charge-offs to loans | 0.1830% | 817 |
| Credit loss provision to net charge-offs | 172.9730% | 2,218 |
| Earnings coverage of net charge-offs (x) | 3.6036% | 2,901 |
| Efficiency ratio | 85.4967% | 528 |
| Assets per employee ($millions) | 4.0897% | 4,254 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6907% | 4,590 |
| Loan loss allowance to noncurrent loans | 497.8166% | 1,065 |
| Noncurrent assets plus other real estate owned to assets | 0.1077% | 3,897 |
| Noncurrent loans to loans | 0.1387% | 3,827 |
| Net loans and leases to total assets | 77.0772% | 951 |
| Net loans and leases to deposits | 88.0364% | 1,480 |
| Net loans and leases to core deposits | 106.7823% | 816 |
| Total domestic deposits to total assets | 87.5516% | 1,417 |
| Equity capital to assets | 9.2024% | 3,950 |
| Core capital (leverage) ratio | 9.2323% | 3,528 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5327% | 1,987 |
| Memoranda: | ||
| Average total assets | $207,668,000 | 2,861 |
| Average earning assets | $191,370,000 | 2,877 |
| Average equity | $20,494,250 | 3,137 |
| Average total loans | $161,769,000 | 2,560 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6656% | 4,149 |
| Cost of funding earning assets | 1.0012% | 984 |
| Net interest margin | 2.6644% | 4,593 |
| Noninterest income to average assets | 1.4097% | 532 |
| Noninterest expense to average assets | 2.9650% | 1,675 |
| Loan and lease loss provision to assets | 0.3417% | 1,250 |
| Net operating income to assets | 0.4670% | 4,090 |
| Return on assets (ROA) | 0.4670% | 4,158 |
| Pretax return on assets | 0.5573% | 4,142 |
| Return on Equity (ROE) | 4.6245% | 3,942 |
| Retained earnings to average equity (ytd only) | 4.6245% | 2,651 |
| Net charge-offs to loans | 0.2714% | 588 |
| Credit loss provision to net charge-offs | 161.4679% | 2,075 |
| Earnings coverage of net charge-offs (x) | 4.2477% | 2,610 |
| Efficiency ratio | 76.7337% | 1,189 |
| Assets per employee ($millions) | 4.0993% | 4,205 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6705% | 4,632 |
| Loan loss allowance to noncurrent loans | 153.3793% | 2,577 |
| Noncurrent assets plus other real estate owned to assets | 0.3466% | 2,911 |
| Noncurrent loans to loans | 0.4372% | 2,852 |
| Net loans and leases to total assets | 75.8194% | 1,160 |
| Net loans and leases to deposits | 88.4193% | 1,513 |
| Net loans and leases to core deposits | 112.1462% | 659 |
| Total domestic deposits to total assets | 85.7499% | 2,110 |
| Equity capital to assets | 9.7155% | 3,453 |
| Core capital (leverage) ratio | 9.8960% | 2,925 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5825% | 1,606 |
| Memoranda: | ||
| Average total assets | $206,003,333 | 2,853 |
| Average earning assets | $189,763,000 | 2,872 |
| Average equity | $20,802,333 | 3,097 |
| Average total loans | $160,674,000 | 2,559 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9169% | 4,005 |
| Cost of funding earning assets | 1.0481% | 1,226 |
| Net interest margin | 2.8688% | 4,481 |
| Noninterest income to average assets | 0.6767% | 1,744 |
| Noninterest expense to average assets | 3.0962% | 1,648 |
| Loan and lease loss provision to assets | 0.0439% | 3,229 |
| Net operating income to assets | 0.1517% | 4,600 |
| Return on assets (ROA) | 0.1517% | 4,604 |
| Pretax return on assets | 0.1757% | 4,593 |
| Return on Equity (ROE) | 1.4722% | 4,552 |
| Retained earnings to average equity (ytd only) | 1.4722% | 3,609 |
| Net charge-offs to loans | 0.0961% | 1,110 |
| Credit loss provision to net charge-offs | 57.8947% | 2,024 |
| Earnings coverage of net charge-offs (x) | 2.8947% | 2,245 |
| Efficiency ratio | 93.3775% | 387 |
| Assets per employee ($millions) | 3.8155% | 4,151 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6152% | 4,737 |
| Loan loss allowance to noncurrent loans | 180.8271% | 2,218 |
| Noncurrent assets plus other real estate owned to assets | 0.2749% | 3,352 |
| Noncurrent loans to loans | 0.3402% | 3,277 |
| Net loans and leases to total assets | 76.8566% | 1,159 |
| Net loans and leases to deposits | 90.2048% | 1,482 |
| Net loans and leases to core deposits | 118.0724% | 531 |
| Total domestic deposits to total assets | 85.2024% | 2,331 |
| Equity capital to assets | 10.2328% | 3,573 |
| Core capital (leverage) ratio | 10.4354% | 3,000 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3716% | 2,125 |
| Memoranda: | ||
| Average total assets | $200,374,500 | 2,866 |
| Average earning assets | $184,329,000 | 2,878 |
| Average equity | $20,649,500 | 3,107 |
| Average total loans | $158,092,000 | 2,562 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3173% | 3,489 |
| Cost of funding earning assets | 1.0404% | 1,556 |
| Net interest margin | 3.2769% | 4,034 |
| Noninterest income to average assets | 0.6258% | 2,109 |
| Noninterest expense to average assets | 3.2784% | 1,341 |
| Loan and lease loss provision to assets | 0.0361% | 3,288 |
| Net operating income to assets | 0.2752% | 4,777 |
| Return on assets (ROA) | 0.2752% | 4,800 |
| Pretax return on assets | 0.3275% | 4,795 |
| Return on Equity (ROE) | 2.5238% | 4,740 |
| Retained earnings to average equity (ytd only) | 2.5238% | 3,766 |
| Net charge-offs to loans | 0.0082% | 3,385 |
| Credit loss provision to net charge-offs | 515.3846% | 568 |
| Earnings coverage of net charge-offs (x) | 51.9231% | 1,101 |
| Efficiency ratio | 90.0177% | 353 |
| Assets per employee ($millions) | 3.7458% | 4,218 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6120% | 4,720 |
| Loan loss allowance to noncurrent loans | 165.4822% | 2,419 |
| Noncurrent assets plus other real estate owned to assets | 0.3098% | 3,185 |
| Noncurrent loans to loans | 0.3698% | 3,119 |
| Net loans and leases to total assets | 80.0007% | 795 |
| Net loans and leases to deposits | 94.1826% | 1,137 |
| Net loans and leases to core deposits | 123.6333% | 393 |
| Total domestic deposits to total assets | 84.9421% | 2,515 |
| Equity capital to assets | 10.3794% | 3,562 |
| Core capital (leverage) ratio | 10.6451% | 2,814 |
| Tier 1 risk-based capital ratio | 14.9494% | 2,800 |
| Total risk-based capital ratio | 15.6590% | 2,976 |
| Memoranda: | ||
| Average total assets | $185,671,800 | 2,957 |
| Average earning assets | $170,893,000 | 2,974 |
| Average equity | $20,247,600 | 3,111 |
| Average total loans | $158,694,400 | 2,527 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3818% | 3,418 |
| Cost of funding earning assets | 1.0383% | 1,589 |
| Net interest margin | 3.3435% | 4,007 |
| Noninterest income to average assets | 0.6716% | 1,909 |
| Noninterest expense to average assets | 3.3505% | 1,179 |
| Loan and lease loss provision to assets | 0.0314% | 3,277 |
| Net operating income to assets | 0.3055% | 4,835 |
| Return on assets (ROA) | 0.3055% | 4,855 |
| Pretax return on assets | 0.3654% | 4,844 |
| Return on Equity (ROE) | 2.7648% | 4,803 |
| Retained earnings to average equity (ytd only) | 2.7648% | 3,984 |
| Net charge-offs to loans | 0.0093% | 3,037 |
| Credit loss provision to net charge-offs | 390.9091% | 778 |
| Earnings coverage of net charge-offs (x) | 49.3511% | 1,208 |
| Efficiency ratio | 89.4111% | 346 |
| Assets per employee ($millions) | 3.8792% | 4,054 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6064% | 4,808 |
| Loan loss allowance to noncurrent loans | 234.8894% | 1,843 |
| Noncurrent assets plus other real estate owned to assets | 0.2336% | 3,635 |
| Noncurrent loans to loans | 0.2582% | 3,618 |
| Net loans and leases to total assets | 84.1515% | 337 |
| Net loans and leases to deposits | 100.0792% | 629 |
| Net loans and leases to core deposits | 130.9449% | 282 |
| Total domestic deposits to total assets | 84.0849% | 2,788 |
| Equity capital to assets | 10.9603% | 3,132 |
| Core capital (leverage) ratio | 11.1755% | 2,488 |
| Tier 1 risk-based capital ratio | 15.0088% | 2,839 |
| Total risk-based capital ratio | 15.7118% | 3,013 |
| Memoranda: | ||
| Average total assets | $182,458,000 | 3,018 |
| Average earning assets | $167,841,500 | 3,041 |
| Average equity | $20,158,000 | 3,142 |
| Average total loans | $158,417,750 | 2,552 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3825% | 3,380 |
| Cost of funding earning assets | 1.0347% | 1,554 |
| Net interest margin | 3.3478% | 4,035 |
| Noninterest income to average assets | 0.6225% | 2,053 |
| Noninterest expense to average assets | 3.3927% | 1,119 |
| Loan and lease loss provision to assets | 0.0110% | 3,534 |
| Net operating income to assets | 0.2516% | 4,935 |
| Return on assets (ROA) | 0.2516% | 4,949 |
| Pretax return on assets | 0.2969% | 4,935 |
| Return on Equity (ROE) | 2.2715% | 4,907 |
| Retained earnings to average equity (ytd only) | 2.2715% | 4,028 |
| Net charge-offs to loans | 0.0101% | 2,768 |
| Credit loss provision to net charge-offs | 125.0000% | 1,685 |
| Earnings coverage of net charge-offs (x) | 34.8750% | 1,342 |
| Efficiency ratio | 91.6791% | 288 |
| Assets per employee ($millions) | 3.3945% | 4,613 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5849% | 4,901 |
| Loan loss allowance to noncurrent loans | 926.0000% | 640 |
| Noncurrent assets plus other real estate owned to assets | 0.0767% | 4,377 |
| Noncurrent loans to loans | 0.0632% | 4,401 |
| Net loans and leases to total assets | 87.4874% | 133 |
| Net loans and leases to deposits | 105.0000% | 378 |
| Net loans and leases to core deposits | 134.6404% | 247 |
| Total domestic deposits to total assets | 83.3214% | 3,106 |
| Equity capital to assets | 11.2319% | 2,831 |
| Core capital (leverage) ratio | 11.1078% | 2,498 |
| Tier 1 risk-based capital ratio | 15.7071% | 2,547 |
| Total risk-based capital ratio | 16.4269% | 2,692 |
| Memoranda: | ||
| Average total assets | $181,210,670 | 3,039 |
| Average earning assets | $166,616,330 | 3,068 |
| Average equity | $20,074,670 | 3,140 |
| Average total loans | $158,675,000 | 2,553 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2991% | 3,558 |
| Cost of funding earning assets | 0.9882% | 1,614 |
| Net interest margin | 3.3109% | 4,139 |
| Noninterest income to average assets | 0.5433% | 2,324 |
| Noninterest expense to average assets | 3.3630% | 1,169 |
| Loan and lease loss provision to assets | 0.0110% | 3,292 |
| Net operating income to assets | 0.1914% | 5,016 |
| Return on assets (ROA) | 0.1914% | 5,021 |
| Pretax return on assets | 0.2199% | 5,018 |
| Return on Equity (ROE) | 1.7393% | 4,995 |
| Retained earnings to average equity (ytd only) | 1.7393% | 4,128 |
| Net charge-offs to loans | 0.0025% | 2,661 |
| Credit loss provision to net charge-offs | 500.0000% | 602 |
| Earnings coverage of net charge-offs (x) | 105.0000% | 648 |
| Efficiency ratio | 93.5741% | 287 |
| Assets per employee ($millions) | 3.8040% | 4,186 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5814% | 4,968 |
| Loan loss allowance to noncurrent loans | 1,160.0000% | 533 |
| Noncurrent assets plus other real estate owned to assets | 0.0663% | 4,489 |
| Noncurrent loans to loans | 0.0501% | 4,543 |
| Net loans and leases to total assets | 86.9045% | 149 |
| Net loans and leases to deposits | 103.8754% | 399 |
| Net loans and leases to core deposits | 138.1126% | 205 |
| Total domestic deposits to total assets | 83.6623% | 3,164 |
| Equity capital to assets | 10.9842% | 2,870 |
| Core capital (leverage) ratio | 11.1491% | 2,430 |
| Tier 1 risk-based capital ratio | 15.2095% | 2,790 |
| Total risk-based capital ratio | 15.9132% | 2,950 |
| Memoranda: | ||
| Average total assets | $181,862,500 | 3,070 |
| Average earning assets | $167,569,000 | 3,083 |
| Average equity | $20,008,500 | 3,158 |
| Average total loans | $158,851,500 | 2,571 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2106% | 3,408 |
| Cost of funding earning assets | 0.8267% | 1,413 |
| Net interest margin | 3.3839% | 4,039 |
| Noninterest income to average assets | 0.6531% | 2,037 |
| Noninterest expense to average assets | 3.0959% | 1,805 |
| Loan and lease loss provision to assets | 0.0532% | 3,116 |
| Net operating income to assets | 0.5282% | 4,599 |
| Return on assets (ROA) | 0.5282% | 4,594 |
| Pretax return on assets | 0.6268% | 4,582 |
| Return on Equity (ROE) | 4.8610% | 4,487 |
| Retained earnings to average equity (ytd only) | 4.8610% | 2,856 |
| Net charge-offs to loans | 0.0379% | 2,642 |
| Credit loss provision to net charge-offs | 161.0169% | 1,725 |
| Earnings coverage of net charge-offs (x) | 20.5763% | 1,991 |
| Efficiency ratio | 81.9908% | 807 |
| Assets per employee ($millions) | 3.6227% | 4,424 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5851% | 4,998 |
| Loan loss allowance to noncurrent loans | 1,233.3333% | 530 |
| Noncurrent assets plus other real estate owned to assets | 0.0745% | 4,447 |
| Noncurrent loans to loans | 0.0474% | 4,530 |
| Net loans and leases to total assets | 86.7701% | 188 |
| Net loans and leases to deposits | 103.8886% | 481 |
| Net loans and leases to core deposits | 140.0886% | 198 |
| Total domestic deposits to total assets | 83.5222% | 3,156 |
| Equity capital to assets | 11.0200% | 2,669 |
| Core capital (leverage) ratio | 11.0684% | 2,461 |
| Tier 1 risk-based capital ratio | 15.0770% | 2,796 |
| Total risk-based capital ratio | 15.7756% | 2,967 |
| Memoranda: | ||
| Average total assets | $178,523,600 | 3,073 |
| Average earning assets | $164,750,600 | 3,088 |
| Average equity | $19,399,200 | 3,146 |
| Average total loans | $155,561,200 | 2,573 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1790% | 3,387 |
| Cost of funding earning assets | 0.7981% | 1,348 |
| Net interest margin | 3.3808% | 4,060 |
| Noninterest income to average assets | 0.5914% | 2,360 |
| Noninterest expense to average assets | 3.0201% | 1,955 |
| Loan and lease loss provision to assets | 0.0712% | 2,539 |
| Net operating income to assets | 0.5240% | 4,709 |
| Return on assets (ROA) | 0.5240% | 4,713 |
| Pretax return on assets | 0.6214% | 4,694 |
| Return on Equity (ROE) | 4.8393% | 4,618 |
| Retained earnings to average equity (ytd only) | 4.8393% | 3,324 |
| Net charge-offs to loans | 0.0318% | 2,452 |
| Credit loss provision to net charge-offs | 256.7568% | 1,152 |
| Earnings coverage of net charge-offs (x) | 24.9741% | 1,793 |
| Efficiency ratio | 81.3446% | 827 |
| Assets per employee ($millions) | 3.7780% | 4,207 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5961% | 5,048 |
| Loan loss allowance to noncurrent loans | 411.3043% | 1,291 |
| Noncurrent assets plus other real estate owned to assets | 0.1599% | 4,158 |
| Noncurrent loans to loans | 0.1449% | 4,239 |
| Net loans and leases to total assets | 86.9894% | 189 |
| Net loans and leases to deposits | 104.3009% | 532 |
| Net loans and leases to core deposits | 141.1415% | 202 |
| Total domestic deposits to total assets | 83.4024% | 3,163 |
| Equity capital to assets | 10.8192% | 2,828 |
| Core capital (leverage) ratio | 11.0921% | 2,491 |
| Tier 1 risk-based capital ratio | 14.7345% | 3,000 |
| Total risk-based capital ratio | 15.4449% | 3,187 |
| Memoranda: | ||
| Average total assets | $177,870,750 | 3,098 |
| Average earning assets | $164,215,000 | 3,108 |
| Average equity | $19,258,750 | 3,179 |
| Average total loans | $154,927,500 | 2,597 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1391% | 3,321 |
| Cost of funding earning assets | 0.7619% | 1,318 |
| Net interest margin | 3.3772% | 4,026 |
| Noninterest income to average assets | 0.5829% | 2,417 |
| Noninterest expense to average assets | 2.9834% | 2,086 |
| Loan and lease loss provision to assets | 0.1019% | 1,910 |
| Net operating income to assets | 0.5206% | 4,701 |
| Return on assets (ROA) | 0.5206% | 4,704 |
| Pretax return on assets | 0.6180% | 4,709 |
| Return on Equity (ROE) | 4.8071% | 4,608 |
| Retained earnings to average equity (ytd only) | 4.8071% | 3,183 |
| Net charge-offs to loans | 0.0052% | 2,981 |
| Credit loss provision to net charge-offs | 2,250.0000% | 187 |
| Earnings coverage of net charge-offs (x) | 159.0000% | 496 |
| Efficiency ratio | 80.5623% | 955 |
| Assets per employee ($millions) | 4.0708% | 3,779 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6228% | 5,064 |
| Loan loss allowance to noncurrent loans | 362.0818% | 1,425 |
| Noncurrent assets plus other real estate owned to assets | 0.2004% | 3,998 |
| Noncurrent loans to loans | 0.1720% | 4,139 |
| Net loans and leases to total assets | 86.7750% | 211 |
| Net loans and leases to deposits | 106.7295% | 408 |
| Net loans and leases to core deposits | 140.9718% | 188 |
| Total domestic deposits to total assets | 81.3036% | 3,914 |
| Equity capital to assets | 10.8160% | 2,822 |
| Core capital (leverage) ratio | 10.9834% | 2,539 |
| Tier 1 risk-based capital ratio | 14.6541% | 3,039 |
| Total risk-based capital ratio | 15.3908% | 3,208 |
| Memoranda: | ||
| Average total assets | $176,712,670 | 3,132 |
| Average earning assets | $163,270,330 | 3,142 |
| Average equity | $19,138,330 | 3,207 |
| Average total loans | $153,671,000 | 2,630 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1025% | 3,227 |
| Cost of funding earning assets | 0.7208% | 1,336 |
| Net interest margin | 3.3817% | 3,942 |
| Noninterest income to average assets | 0.5606% | 2,469 |
| Noninterest expense to average assets | 2.9172% | 2,300 |
| Loan and lease loss provision to assets | 0.1026% | 1,814 |
| Net operating income to assets | 0.5584% | 4,549 |
| Return on assets (ROA) | 0.5584% | 4,551 |
| Pretax return on assets | 0.6632% | 4,534 |
| Return on Equity (ROE) | 5.1522% | 4,439 |
| Retained earnings to average equity (ytd only) | 5.1522% | 3,098 |
| Net charge-offs to loans | 0.0053% | 2,550 |
| Credit loss provision to net charge-offs | 2,250.0000% | 162 |
| Earnings coverage of net charge-offs (x) | 168.0000% | 385 |
| Efficiency ratio | 79.2079% | 1,233 |
| Assets per employee ($millions) | 4.0181% | 3,946 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6084% | 5,169 |
| Loan loss allowance to noncurrent loans | 224.3373% | 2,052 |
| Noncurrent assets plus other real estate owned to assets | 0.2856% | 3,716 |
| Noncurrent loans to loans | 0.2712% | 3,799 |
| Net loans and leases to total assets | 86.0308% | 258 |
| Net loans and leases to deposits | 104.3504% | 460 |
| Net loans and leases to core deposits | 137.7085% | 238 |
| Total domestic deposits to total assets | 82.4442% | 3,830 |
| Equity capital to assets | 10.8317% | 2,742 |
| Core capital (leverage) ratio | 11.1344% | 2,303 |
| Tier 1 risk-based capital ratio | 14.7111% | 3,023 |
| Total risk-based capital ratio | 15.4263% | 3,210 |
| Memoranda: | ||
| Average total assets | $175,511,500 | 3,181 |
| Average earning assets | $162,048,500 | 3,187 |
| Average equity | $19,021,000 | 3,248 |
| Average total loans | $152,306,000 | 2,658 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0297% | 3,309 |
| Cost of funding earning assets | 0.6215% | 1,461 |
| Net interest margin | 3.4082% | 3,824 |
| Noninterest income to average assets | 0.7100% | 1,917 |
| Noninterest expense to average assets | 3.1116% | 1,828 |
| Loan and lease loss provision to assets | 0.1415% | 1,605 |
| Net operating income to assets | 0.5004% | 4,379 |
| Return on assets (ROA) | 0.5004% | 4,411 |
| Pretax return on assets | 0.6106% | 4,720 |
| Return on Equity (ROE) | 4.4987% | 4,347 |
| Retained earnings to average equity (ytd only) | 4.4987% | 2,452 |
| Net charge-offs to loans | 0.1094% | 1,972 |
| Credit loss provision to net charge-offs | 148.7342% | 1,796 |
| Earnings coverage of net charge-offs (x) | 7.9051% | 2,979 |
| Efficiency ratio | 80.5330% | 1,055 |
| Assets per employee ($millions) | 3.7070% | 4,423 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5858% | 5,269 |
| Loan loss allowance to noncurrent loans | 149.7470% | 2,804 |
| Noncurrent assets plus other real estate owned to assets | 0.3920% | 3,292 |
| Noncurrent loans to loans | 0.3912% | 3,357 |
| Net loans and leases to total assets | 86.4929% | 224 |
| Net loans and leases to deposits | 105.0813% | 443 |
| Net loans and leases to core deposits | 140.4208% | 207 |
| Total domestic deposits to total assets | 82.3104% | 3,780 |
| Equity capital to assets | 10.8433% | 2,786 |
| Core capital (leverage) ratio | 11.1078% | 2,243 |
| Tier 1 risk-based capital ratio | 15.0254% | 2,845 |
| Total risk-based capital ratio | 15.7316% | 3,018 |
| Memoranda: | ||
| Average total assets | $166,058,200 | 3,286 |
| Average earning assets | $153,658,200 | 3,275 |
| Average equity | $18,471,800 | 3,306 |
| Average total loans | $144,372,000 | 2,712 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0045% | 3,339 |
| Cost of funding earning assets | 0.6136% | 1,439 |
| Net interest margin | 3.3909% | 3,876 |
| Noninterest income to average assets | 0.6902% | 2,042 |
| Noninterest expense to average assets | 3.1655% | 1,643 |
| Loan and lease loss provision to assets | 0.1463% | 1,435 |
| Net operating income to assets | 0.4032% | 4,993 |
| Return on assets (ROA) | 0.4032% | 5,024 |
| Pretax return on assets | 0.5186% | 4,986 |
| Return on Equity (ROE) | 3.6006% | 4,962 |
| Retained earnings to average equity (ytd only) | 3.6006% | 3,776 |
| Net charge-offs to loans | 0.1337% | 1,459 |
| Credit loss provision to net charge-offs | 125.8741% | 1,932 |
| Earnings coverage of net charge-offs (x) | 5.7203% | 3,066 |
| Efficiency ratio | 82.6401% | 864 |
| Assets per employee ($millions) | 3.9532% | 4,068 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5704% | 5,374 |
| Loan loss allowance to noncurrent loans | 140.8638% | 2,911 |
| Noncurrent assets plus other real estate owned to assets | 0.4424% | 3,266 |
| Noncurrent loans to loans | 0.4049% | 3,488 |
| Net loans and leases to total assets | 86.9556% | 206 |
| Net loans and leases to deposits | 106.1249% | 413 |
| Net loans and leases to core deposits | 141.8053% | 184 |
| Total domestic deposits to total assets | 81.9371% | 3,799 |
| Equity capital to assets | 10.8684% | 2,993 |
| Core capital (leverage) ratio | 11.2335% | 2,238 |
| Tier 1 risk-based capital ratio | 15.0036% | 2,914 |
| Total risk-based capital ratio | 15.6923% | 3,129 |
| Memoranda: | ||
| Average total assets | $164,016,000 | 3,334 |
| Average earning assets | $151,892,750 | 3,330 |
| Average equity | $18,366,750 | 3,346 |
| Average total loans | $142,569,500 | 2,759 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9530% | 3,367 |
| Cost of funding earning assets | 0.5946% | 1,486 |
| Net interest margin | 3.3584% | 3,917 |
| Noninterest income to average assets | 0.6789% | 2,087 |
| Noninterest expense to average assets | 3.2600% | 1,446 |
| Loan and lease loss provision to assets | 0.1666% | 1,196 |
| Net operating income to assets | 0.2827% | 5,259 |
| Return on assets (ROA) | 0.2827% | 5,277 |
| Pretax return on assets | 0.3617% | 5,251 |
| Return on Equity (ROE) | 2.4985% | 5,237 |
| Retained earnings to average equity (ytd only) | 2.4985% | 4,195 |
| Net charge-offs to loans | 0.1551% | 1,229 |
| Credit loss provision to net charge-offs | 123.8532% | 1,745 |
| Earnings coverage of net charge-offs (x) | 3.9266% | 2,992 |
| Efficiency ratio | 86.0541% | 685 |
| Assets per employee ($millions) | 3.7579% | 4,345 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5735% | 5,418 |
| Loan loss allowance to noncurrent loans | 112.0482% | 3,360 |
| Noncurrent assets plus other real estate owned to assets | 0.5425% | 2,956 |
| Noncurrent loans to loans | 0.5119% | 3,223 |
| Net loans and leases to total assets | 87.7556% | 159 |
| Net loans and leases to deposits | 106.6644% | 376 |
| Net loans and leases to core deposits | 137.4016% | 213 |
| Total domestic deposits to total assets | 82.2726% | 3,812 |
| Equity capital to assets | 11.0070% | 2,798 |
| Core capital (leverage) ratio | 11.3420% | 2,090 |
| Tier 1 risk-based capital ratio | 14.5345% | 3,147 |
| Total risk-based capital ratio | 15.2030% | 3,368 |
| Memoranda: | ||
| Average total assets | $162,025,000 | 3,374 |
| Average earning assets | $150,011,000 | 3,369 |
| Average equity | $18,330,670 | 3,356 |
| Average total loans | $140,538,330 | 2,792 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9485% | 3,210 |
| Cost of funding earning assets | 0.5880% | 1,456 |
| Net interest margin | 3.3605% | 3,794 |
| Noninterest income to average assets | 0.6136% | 2,354 |
| Noninterest expense to average assets | 3.2875% | 1,410 |
| Loan and lease loss provision to assets | 0.1122% | 1,708 |
| Net operating income to assets | 0.2420% | 5,321 |
| Return on assets (ROA) | 0.2420% | 5,336 |
| Pretax return on assets | 0.3218% | 5,280 |
| Return on Equity (ROE) | 2.1092% | 5,320 |
| Retained earnings to average equity (ytd only) | 2.1092% | 4,301 |
| Net charge-offs to loans | 0.0551% | 1,783 |
| Credit loss provision to net charge-offs | 236.8421% | 917 |
| Earnings coverage of net charge-offs (x) | 9.1579% | 2,011 |
| Efficiency ratio | 88.3378% | 644 |
| Assets per employee ($millions) | 3.7270% | 4,454 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5989% | 5,479 |
| Loan loss allowance to noncurrent loans | 85.2342% | 3,892 |
| Noncurrent assets plus other real estate owned to assets | 0.6246% | 2,758 |
| Noncurrent loans to loans | 0.7027% | 2,733 |
| Net loans and leases to total assets | 86.6798% | 175 |
| Net loans and leases to deposits | 107.6478% | 268 |
| Net loans and leases to core deposits | 129.8240% | 264 |
| Total domestic deposits to total assets | 80.5217% | 4,518 |
| Equity capital to assets | 11.2698% | 2,371 |
| Core capital (leverage) ratio | 11.4653% | 1,975 |
| Tier 1 risk-based capital ratio | 14.8785% | 3,027 |
| Total risk-based capital ratio | 15.5680% | 3,225 |
| Memoranda: | ||
| Average total assets | $160,363,000 | 3,423 |
| Average earning assets | $148,311,000 | 3,421 |
| Average equity | $18,396,000 | 3,358 |
| Average total loans | $137,837,500 | 2,849 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9548% | 3,366 |
| Cost of funding earning assets | 0.5969% | 1,358 |
| Net interest margin | 3.3579% | 3,966 |
| Noninterest income to average assets | 0.6930% | 2,208 |
| Noninterest expense to average assets | 3.1161% | 1,989 |
| Loan and lease loss provision to assets | 0.1351% | 1,849 |
| Net operating income to assets | 0.3799% | 5,009 |
| Return on assets (ROA) | 0.3799% | 5,090 |
| Pretax return on assets | 0.5298% | 4,969 |
| Return on Equity (ROE) | 3.2354% | 5,092 |
| Retained earnings to average equity (ytd only) | 3.2354% | 3,609 |
| Net charge-offs to loans | 0.0729% | 2,657 |
| Credit loss provision to net charge-offs | 220.8333% | 1,298 |
| Earnings coverage of net charge-offs (x) | 10.8646% | 2,595 |
| Efficiency ratio | 82.4144% | 1,154 |
| Assets per employee ($millions) | 3.6470% | 4,547 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5967% | 5,539 |
| Loan loss allowance to noncurrent loans | 76.3653% | 4,080 |
| Noncurrent assets plus other real estate owned to assets | 0.6618% | 2,738 |
| Noncurrent loans to loans | 0.7813% | 2,564 |
| Net loans and leases to total assets | 84.2010% | 368 |
| Net loans and leases to deposits | 105.6280% | 359 |
| Net loans and leases to core deposits | 129.7763% | 288 |
| Total domestic deposits to total assets | 79.7147% | 4,629 |
| Equity capital to assets | 11.6729% | 2,025 |
| Core capital (leverage) ratio | 11.8362% | 1,700 |
| Tier 1 risk-based capital ratio | 16.5005% | 2,356 |
| Total risk-based capital ratio | 17.2149% | 2,497 |
| Memoranda: | ||
| Average total assets | $156,863,600 | 3,428 |
| Average earning assets | $144,256,000 | 3,441 |
| Average equity | $18,421,400 | 3,351 |
| Average total loans | $131,701,200 | 2,896 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9595% | 3,377 |
| Cost of funding earning assets | 0.5985% | 1,345 |
| Net interest margin | 3.3610% | 3,992 |
| Noninterest income to average assets | 0.6916% | 2,206 |
| Noninterest expense to average assets | 3.0451% | 2,185 |
| Loan and lease loss provision to assets | 0.1470% | 1,595 |
| Net operating income to assets | 0.4172% | 4,968 |
| Return on assets (ROA) | 0.4172% | 5,058 |
| Pretax return on assets | 0.5864% | 4,910 |
| Return on Equity (ROE) | 3.5469% | 5,067 |
| Retained earnings to average equity (ytd only) | 3.5469% | 3,774 |
| Net charge-offs to loans | 0.1245% | 1,712 |
| Credit loss provision to net charge-offs | 140.9836% | 1,855 |
| Earnings coverage of net charge-offs (x) | 7.0329% | 2,928 |
| Efficiency ratio | 80.5882% | 1,364 |
| Assets per employee ($millions) | 3.5352% | 4,735 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5591% | 5,657 |
| Loan loss allowance to noncurrent loans | 88.1657% | 3,872 |
| Noncurrent assets plus other real estate owned to assets | 0.5312% | 3,333 |
| Noncurrent loans to loans | 0.6341% | 3,114 |
| Net loans and leases to total assets | 83.2970% | 478 |
| Net loans and leases to deposits | 104.9649% | 413 |
| Net loans and leases to core deposits | 132.3542% | 271 |
| Total domestic deposits to total assets | 79.3569% | 4,645 |
| Equity capital to assets | 11.7019% | 2,356 |
| Core capital (leverage) ratio | 12.4878% | 1,401 |
| Tier 1 risk-based capital ratio | 16.6321% | 2,365 |
| Total risk-based capital ratio | 17.2977% | 2,547 |
| Memoranda: | ||
| Average total assets | $155,963,000 | 3,452 |
| Average earning assets | $143,245,750 | 3,472 |
| Average equity | $18,344,000 | 3,389 |
| Average total loans | $130,645,250 | 2,920 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9488% | 3,430 |
| Cost of funding earning assets | 0.5977% | 1,336 |
| Net interest margin | 3.3511% | 4,053 |
| Noninterest income to average assets | 0.6352% | 2,441 |
| Noninterest expense to average assets | 3.1009% | 2,060 |
| Loan and lease loss provision to assets | 0.1059% | 2,092 |
| Net operating income to assets | 0.3628% | 5,144 |
| Return on assets (ROA) | 0.3628% | 5,237 |
| Pretax return on assets | 0.5048% | 5,117 |
| Return on Equity (ROE) | 3.0789% | 5,229 |
| Retained earnings to average equity (ytd only) | 3.0789% | 3,949 |
| Net charge-offs to loans | 0.1680% | 1,332 |
| Credit loss provision to net charge-offs | 75.2294% | 2,419 |
| Earnings coverage of net charge-offs (x) | 4.3394% | 2,999 |
| Efficiency ratio | 83.5478% | 1,087 |
| Assets per employee ($millions) | 3.4656% | 4,811 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5097% | 5,792 |
| Loan loss allowance to noncurrent loans | 96.2590% | 3,785 |
| Noncurrent assets plus other real estate owned to assets | 0.4360% | 3,767 |
| Noncurrent loans to loans | 0.5295% | 3,493 |
| Net loans and leases to total assets | 81.9096% | 639 |
| Net loans and leases to deposits | 104.8651% | 417 |
| Net loans and leases to core deposits | 129.5073% | 310 |
| Total domestic deposits to total assets | 78.1095% | 4,978 |
| Equity capital to assets | 11.5434% | 2,498 |
| Core capital (leverage) ratio | 11.9513% | 1,658 |
| Tier 1 risk-based capital ratio | 16.9245% | 2,241 |
| Total risk-based capital ratio | 17.5398% | 2,454 |
| Memoranda: | ||
| Average total assets | $154,922,330 | 3,482 |
| Average earning assets | $142,221,670 | 3,509 |
| Average equity | $18,253,330 | 3,410 |
| Average total loans | $129,774,330 | 2,930 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9422% | 3,426 |
| Cost of funding earning assets | 0.5823% | 1,464 |
| Net interest margin | 3.3598% | 4,007 |
| Noninterest income to average assets | 0.5528% | 2,790 |
| Noninterest expense to average assets | 3.1020% | 2,096 |
| Loan and lease loss provision to assets | 0.0524% | 2,888 |
| Net operating income to assets | 0.3485% | 5,154 |
| Return on assets (ROA) | 0.3485% | 5,239 |
| Pretax return on assets | 0.4821% | 5,135 |
| Return on Equity (ROE) | 2.9265% | 5,267 |
| Retained earnings to average equity (ytd only) | 2.9265% | 4,052 |
| Net charge-offs to loans | 0.0961% | 1,554 |
| Credit loss provision to net charge-offs | 64.5161% | 1,946 |
| Earnings coverage of net charge-offs (x) | 6.5806% | 2,230 |
| Efficiency ratio | 85.3026% | 1,039 |
| Assets per employee ($millions) | 3.5601% | 4,723 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5228% | 5,842 |
| Loan loss allowance to noncurrent loans | 74.3478% | 4,212 |
| Noncurrent assets plus other real estate owned to assets | 0.5873% | 3,297 |
| Noncurrent loans to loans | 0.7031% | 3,087 |
| Net loans and leases to total assets | 83.0904% | 449 |
| Net loans and leases to deposits | 107.8083% | 288 |
| Net loans and leases to core deposits | 131.0692% | 257 |
| Total domestic deposits to total assets | 77.0724% | 5,279 |
| Equity capital to assets | 11.6486% | 2,288 |
| Core capital (leverage) ratio | 12.0558% | 1,576 |
| Tier 1 risk-based capital ratio | 17.0307% | 2,277 |
| Total risk-based capital ratio | 17.6691% | 2,463 |
| Memoranda: | ||
| Average total assets | $152,675,500 | 3,545 |
| Average earning assets | $140,126,000 | 3,559 |
| Average equity | $18,179,000 | 3,414 |
| Average total loans | $129,038,500 | 2,950 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9806% | 3,380 |
| Cost of funding earning assets | 0.6457% | 1,092 |
| Net interest margin | 3.3350% | 4,166 |
| Noninterest income to average assets | 0.6267% | 2,580 |
| Noninterest expense to average assets | 2.9700% | 2,639 |
| Loan and lease loss provision to assets | 0.0333% | 3,698 |
| Net operating income to assets | 0.4830% | 4,755 |
| Return on assets (ROA) | 0.4830% | 4,844 |
| Pretax return on assets | 0.6853% | 4,566 |
| Return on Equity (ROE) | 4.1051% | 4,899 |
| Retained earnings to average equity (ytd only) | 4.1051% | 3,084 |
| Net charge-offs to loans | 0.0252% | 3,736 |
| Credit loss provision to net charge-offs | 156.2500% | 1,712 |
| Earnings coverage of net charge-offs (x) | 33.7500% | 1,334 |
| Efficiency ratio | 80.5195% | 1,607 |
| Assets per employee ($millions) | 3.4583% | 4,896 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5462% | 5,876 |
| Loan loss allowance to noncurrent loans | 74.6509% | 4,260 |
| Noncurrent assets plus other real estate owned to assets | 0.6261% | 3,187 |
| Noncurrent loans to loans | 0.7317% | 2,993 |
| Net loans and leases to total assets | 85.0948% | 301 |
| Net loans and leases to deposits | 113.3910% | 174 |
| Net loans and leases to core deposits | 128.5568% | 291 |
| Total domestic deposits to total assets | 75.0454% | 5,551 |
| Equity capital to assets | 12.1791% | 1,824 |
| Core capital (leverage) ratio | 11.9551% | 1,646 |
| Tier 1 risk-based capital ratio | 17.7751% | 2,031 |
| Total risk-based capital ratio | 18.4572% | 2,170 |
| Memoranda: | ||
| Average total assets | $150,302,000 | 3,568 |
| Average earning assets | $137,992,800 | 3,563 |
| Average equity | $17,685,400 | 3,429 |
| Average total loans | $127,235,200 | 2,929 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9550% | 3,525 |
| Cost of funding earning assets | 0.6613% | 1,027 |
| Net interest margin | 3.2937% | 4,378 |
| Noninterest income to average assets | 0.5715% | 2,905 |
| Noninterest expense to average assets | 3.0001% | 2,526 |
| Loan and lease loss provision to assets | 0.0221% | 3,833 |
| Net operating income to assets | 0.4079% | 5,138 |
| Return on assets (ROA) | 0.4079% | 5,230 |
| Pretax return on assets | 0.5724% | 5,041 |
| Return on Equity (ROE) | 3.4965% | 5,218 |
| Retained earnings to average equity (ytd only) | 3.4965% | 3,979 |
| Net charge-offs to loans | 0.0325% | 3,272 |
| Credit loss provision to net charge-offs | 80.6452% | 2,603 |
| Earnings coverage of net charge-offs (x) | 21.6787% | 1,813 |
| Efficiency ratio | 83.4605% | 1,224 |
| Assets per employee ($millions) | 4.0396% | 3,819 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5238% | 5,993 |
| Loan loss allowance to noncurrent loans | 71.4590% | 4,385 |
| Noncurrent assets plus other real estate owned to assets | 0.6737% | 3,233 |
| Noncurrent loans to loans | 0.7329% | 3,135 |
| Net loans and leases to total assets | 85.2649% | 275 |
| Net loans and leases to deposits | 113.7479% | 173 |
| Net loans and leases to core deposits | 132.6623% | 243 |
| Total domestic deposits to total assets | 74.9595% | 5,626 |
| Equity capital to assets | 11.9378% | 2,150 |
| Core capital (leverage) ratio | 11.8040% | 1,817 |
| Tier 1 risk-based capital ratio | 17.9525% | 2,037 |
| Total risk-based capital ratio | 18.6276% | 2,178 |
| Memoranda: | ||
| Average total assets | $150,701,000 | 3,588 |
| Average earning assets | $138,319,750 | 3,598 |
| Average equity | $17,579,000 | 3,468 |
| Average total loans | $127,235,000 | 2,953 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9610% | 3,444 |
| Cost of funding earning assets | 0.6789% | 939 |
| Net interest margin | 3.2821% | 4,365 |
| Noninterest income to average assets | 0.5612% | 2,969 |
| Noninterest expense to average assets | 2.9409% | 2,750 |
| Loan and lease loss provision to assets | 0.0331% | 3,456 |
| Net operating income to assets | 0.4262% | 5,056 |
| Return on assets (ROA) | 0.4262% | 5,161 |
| Pretax return on assets | 0.6009% | 4,972 |
| Return on Equity (ROE) | 3.6819% | 5,147 |
| Retained earnings to average equity (ytd only) | 3.6819% | 3,680 |
| Net charge-offs to loans | 0.0315% | 3,028 |
| Credit loss provision to net charge-offs | 125.0000% | 1,744 |
| Earnings coverage of net charge-offs (x) | 23.9500% | 1,585 |
| Efficiency ratio | 82.2658% | 1,453 |
| Assets per employee ($millions) | 4.1330% | 3,607 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5437% | 6,050 |
| Loan loss allowance to noncurrent loans | 123.3273% | 3,218 |
| Noncurrent assets plus other real estate owned to assets | 0.4120% | 4,263 |
| Noncurrent loans to loans | 0.4408% | 4,160 |
| Net loans and leases to total assets | 81.5828% | 596 |
| Net loans and leases to deposits | 112.3268% | 217 |
| Net loans and leases to core deposits | 132.9037% | 230 |
| Total domestic deposits to total assets | 72.6298% | 5,902 |
| Equity capital to assets | 11.5752% | 2,350 |
| Core capital (leverage) ratio | 11.6669% | 1,865 |
| Tier 1 risk-based capital ratio | 18.0035% | 2,063 |
| Total risk-based capital ratio | 18.6971% | 2,193 |
| Memoranda: | ||
| Average total assets | $151,112,670 | 3,614 |
| Average earning assets | $138,752,330 | 3,618 |
| Average equity | $17,491,000 | 3,502 |
| Average total loans | $126,942,330 | 2,966 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0518% | 3,038 |
| Cost of funding earning assets | 0.6942% | 872 |
| Net interest margin | 3.3576% | 3,994 |
| Noninterest income to average assets | 0.5219% | 3,142 |
| Noninterest expense to average assets | 2.9080% | 2,879 |
| Loan and lease loss provision to assets | 0.0533% | 2,878 |
| Net operating income to assets | 0.4527% | 4,861 |
| Return on assets (ROA) | 0.4527% | 4,976 |
| Pretax return on assets | 0.6391% | 4,798 |
| Return on Equity (ROE) | 3.9112% | 5,013 |
| Retained earnings to average equity (ytd only) | 3.9112% | 3,652 |
| Net charge-offs to loans | 0.0564% | 2,200 |
| Credit loss provision to net charge-offs | 111.1111% | 1,503 |
| Earnings coverage of net charge-offs (x) | 14.4444% | 1,669 |
| Efficiency ratio | 80.7692% | 1,788 |
| Assets per employee ($millions) | 4.2794% | 3,414 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5395% | 6,131 |
| Loan loss allowance to noncurrent loans | 140.5797% | 2,929 |
| Noncurrent assets plus other real estate owned to assets | 0.3225% | 4,697 |
| Noncurrent loans to loans | 0.3838% | 4,443 |
| Net loans and leases to total assets | 83.5685% | 337 |
| Net loans and leases to deposits | 116.8102% | 127 |
| Net loans and leases to core deposits | 135.7379% | 188 |
| Total domestic deposits to total assets | 71.5421% | 6,057 |
| Equity capital to assets | 11.6645% | 2,331 |
| Core capital (leverage) ratio | 11.6788% | 1,868 |
| Tier 1 risk-based capital ratio | 18.5239% | 1,999 |
| Total risk-based capital ratio | 19.2438% | 2,091 |
| Memoranda: | ||
| Average total assets | $150,208,000 | 3,650 |
| Average earning assets | $137,716,000 | 3,660 |
| Average equity | $17,386,000 | 3,537 |
| Average total loans | $127,693,500 | 2,952 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2550% | 2,760 |
| Cost of funding earning assets | 0.7385% | 906 |
| Net interest margin | 3.5165% | 3,732 |
| Noninterest income to average assets | 0.6671% | 2,467 |
| Noninterest expense to average assets | 3.0266% | 2,764 |
| Loan and lease loss provision to assets | 0.0132% | 4,357 |
| Net operating income to assets | 0.6020% | 4,351 |
| Return on assets (ROA) | 0.6546% | 4,220 |
| Pretax return on assets | 0.9464% | 3,711 |
| Return on Equity (ROE) | 5.8603% | 4,220 |
| Retained earnings to average equity (ytd only) | 5.8603% | 2,015 |
| Net charge-offs to loans | 0.0549% | 3,734 |
| Credit loss provision to net charge-offs | 27.7778% | 3,873 |
| Earnings coverage of net charge-offs (x) | 18.5417% | 1,839 |
| Efficiency ratio | 77.4035% | 2,293 |
| Assets per employee ($millions) | 4.3039% | 3,358 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5226% | 6,229 |
| Loan loss allowance to noncurrent loans | 101.9578% | 3,668 |
| Noncurrent assets plus other real estate owned to assets | 0.5092% | 4,099 |
| Noncurrent loans to loans | 0.5126% | 4,130 |
| Net loans and leases to total assets | 85.5454% | 238 |
| Net loans and leases to deposits | 122.3480% | 79 |
| Net loans and leases to core deposits | 141.9384% | 151 |
| Total domestic deposits to total assets | 69.9197% | 6,199 |
| Equity capital to assets | 11.4852% | 2,440 |
| Core capital (leverage) ratio | 11.4758% | 1,982 |
| Tier 1 risk-based capital ratio | 19.0586% | 1,831 |
| Total risk-based capital ratio | 19.8051% | 1,945 |
| Memoranda: | ||
| Average total assets | $151,094,400 | 3,616 |
| Average earning assets | $139,342,200 | 3,616 |
| Average equity | $16,876,200 | 3,544 |
| Average total loans | $131,226,400 | 2,846 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3152% | 2,562 |
| Cost of funding earning assets | 0.7454% | 910 |
| Net interest margin | 3.5697% | 3,554 |
| Noninterest income to average assets | 0.7239% | 2,207 |
| Noninterest expense to average assets | 3.1276% | 2,389 |
| Loan and lease loss provision to assets | 0.0176% | 4,060 |
| Net operating income to assets | 0.6084% | 4,410 |
| Return on assets (ROA) | 0.6084% | 4,496 |
| Pretax return on assets | 0.8765% | 4,086 |
| Return on Equity (ROE) | 5.4859% | 4,495 |
| Retained earnings to average equity (ytd only) | 5.4859% | 2,768 |
| Net charge-offs to loans | 0.0608% | 3,341 |
| Credit loss provision to net charge-offs | 33.3333% | 3,398 |
| Earnings coverage of net charge-offs (x) | 16.8996% | 1,938 |
| Efficiency ratio | 77.7680% | 2,220 |
| Assets per employee ($millions) | 3.9989% | 3,882 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5386% | 6,294 |
| Loan loss allowance to noncurrent loans | 80.6792% | 4,172 |
| Noncurrent assets plus other real estate owned to assets | 0.6218% | 3,967 |
| Noncurrent loans to loans | 0.6676% | 3,938 |
| Net loans and leases to total assets | 85.9868% | 196 |
| Net loans and leases to deposits | 123.8581% | 74 |
| Net loans and leases to core deposits | 142.0912% | 145 |
| Total domestic deposits to total assets | 69.4237% | 6,301 |
| Equity capital to assets | 11.5639% | 2,420 |
| Core capital (leverage) ratio | 11.4951% | 2,069 |
| Tier 1 risk-based capital ratio | 18.8448% | 1,946 |
| Total risk-based capital ratio | 19.6088% | 2,066 |
| Memoranda: | ||
| Average total assets | $151,208,750 | 3,639 |
| Average earning assets | $139,689,250 | 3,635 |
| Average equity | $16,770,000 | 3,579 |
| Average total loans | $131,648,000 | 2,837 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3921% | 2,201 |
| Cost of funding earning assets | 0.7460% | 941 |
| Net interest margin | 3.6461% | 3,163 |
| Noninterest income to average assets | 0.7985% | 1,844 |
| Noninterest expense to average assets | 2.9838% | 2,896 |
| Loan and lease loss provision to assets | 0.0131% | 3,996 |
| Net operating income to assets | 0.8024% | 3,319 |
| Return on assets (ROA) | 0.8024% | 3,424 |
| Pretax return on assets | 1.1714% | 2,793 |
| Return on Equity (ROE) | 7.3364% | 3,451 |
| Retained earnings to average equity (ytd only) | 7.3364% | 1,593 |
| Net charge-offs to loans | 0.0828% | 2,862 |
| Credit loss provision to net charge-offs | 18.1818% | 3,221 |
| Earnings coverage of net charge-offs (x) | 16.4000% | 1,795 |
| Efficiency ratio | 71.5816% | 3,415 |
| Assets per employee ($millions) | 4.4811% | 2,951 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5412% | 6,371 |
| Loan loss allowance to noncurrent loans | 82.0144% | 4,119 |
| Noncurrent assets plus other real estate owned to assets | 0.6130% | 4,134 |
| Noncurrent loans to loans | 0.6599% | 4,057 |
| Net loans and leases to total assets | 82.5036% | 422 |
| Net loans and leases to deposits | 119.0420% | 93 |
| Net loans and leases to core deposits | 139.0225% | 141 |
| Total domestic deposits to total assets | 69.3063% | 6,380 |
| Equity capital to assets | 11.1784% | 2,716 |
| Core capital (leverage) ratio | 11.1113% | 2,321 |
| Tier 1 risk-based capital ratio | 18.8548% | 1,956 |
| Total risk-based capital ratio | 19.6172% | 2,071 |
| Memoranda: | ||
| Average total assets | $152,291,330 | 3,645 |
| Average earning assets | $140,753,330 | 3,635 |
| Average equity | $16,656,670 | 3,591 |
| Average total loans | $132,892,000 | 2,819 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3349% | 2,391 |
| Cost of funding earning assets | 0.7561% | 944 |
| Net interest margin | 3.5788% | 3,339 |
| Noninterest income to average assets | 0.5149% | 3,296 |
| Noninterest expense to average assets | 2.8530% | 3,367 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.6699% | 3,842 |
| Return on assets (ROA) | 0.6699% | 3,928 |
| Pretax return on assets | 0.9694% | 3,441 |
| Return on Equity (ROE) | 6.1933% | 3,914 |
| Retained earnings to average equity (ytd only) | 6.1933% | 2,435 |
| Net charge-offs to loans | 0.0147% | 3,301 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 73.8000% | 570 |
| Efficiency ratio | 74.6392% | 3,026 |
| Assets per employee ($millions) | 4.3602% | 3,226 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5315% | 6,473 |
| Loan loss allowance to noncurrent loans | 90.0498% | 3,887 |
| Noncurrent assets plus other real estate owned to assets | 0.6710% | 4,106 |
| Noncurrent loans to loans | 0.5902% | 4,391 |
| Net loans and leases to total assets | 88.7901% | 64 |
| Net loans and leases to deposits | 127.4565% | 40 |
| Net loans and leases to core deposits | 148.6778% | 99 |
| Total domestic deposits to total assets | 69.6631% | 6,460 |
| Equity capital to assets | 10.8744% | 2,850 |
| Core capital (leverage) ratio | 10.8095% | 2,585 |
| Tier 1 risk-based capital ratio | 17.8030% | 2,373 |
| Total risk-based capital ratio | 18.5850% | 2,509 |
| Memoranda: | ||
| Average total assets | $152,258,500 | 3,672 |
| Average earning assets | $140,718,500 | 3,657 |
| Average equity | $16,469,500 | 3,626 |
| Average total loans | $136,146,000 | 2,795 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3722% | 2,678 |
| Cost of funding earning assets | 0.7972% | 1,225 |
| Net interest margin | 3.5750% | 3,576 |
| Noninterest income to average assets | 0.5787% | 3,218 |
| Noninterest expense to average assets | 2.7857% | 3,778 |
| Loan and lease loss provision to assets | 0.1326% | 2,656 |
| Net operating income to assets | 0.6689% | 3,945 |
| Return on assets (ROA) | 0.6689% | 4,039 |
| Pretax return on assets | 0.9573% | 3,528 |
| Return on Equity (ROE) | 6.3907% | 3,878 |
| Retained earnings to average equity (ytd only) | 6.3907% | 1,749 |
| Net charge-offs to loans | 0.0882% | 3,972 |
| Credit loss provision to net charge-offs | 169.4915% | 1,345 |
| Earnings coverage of net charge-offs (x) | 13.9322% | 1,977 |
| Efficiency ratio | 71.8782% | 3,502 |
| Assets per employee ($millions) | 4.3403% | 3,194 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5358% | 6,542 |
| Loan loss allowance to noncurrent loans | 89.5577% | 3,889 |
| Noncurrent assets plus other real estate owned to assets | 0.7011% | 4,152 |
| Noncurrent loans to loans | 0.5982% | 4,491 |
| Net loans and leases to total assets | 89.0916% | 59 |
| Net loans and leases to deposits | 128.7873% | 42 |
| Net loans and leases to core deposits | 150.6037% | 97 |
| Total domestic deposits to total assets | 69.1773% | 6,553 |
| Equity capital to assets | 10.7589% | 2,869 |
| Core capital (leverage) ratio | 10.6913% | 2,686 |
| Tier 1 risk-based capital ratio | 17.7285% | 2,330 |
| Total risk-based capital ratio | 18.5237% | 2,477 |
| Memoranda: | ||
| Average total assets | $150,843,800 | 3,690 |
| Average earning assets | $139,105,800 | 3,680 |
| Average equity | $15,788,600 | 3,739 |
| Average total loans | $133,712,600 | 2,794 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3787% | 2,658 |
| Cost of funding earning assets | 0.8001% | 1,321 |
| Net interest margin | 3.5786% | 3,541 |
| Noninterest income to average assets | 0.5800% | 3,270 |
| Noninterest expense to average assets | 2.7839% | 3,717 |
| Loan and lease loss provision to assets | 0.1727% | 2,105 |
| Net operating income to assets | 0.6473% | 4,136 |
| Return on assets (ROA) | 0.6473% | 4,258 |
| Pretax return on assets | 0.9227% | 3,787 |
| Return on Equity (ROE) | 6.2278% | 4,059 |
| Retained earnings to average equity (ytd only) | 6.2278% | 2,273 |
| Net charge-offs to loans | 0.1162% | 3,384 |
| Credit loss provision to net charge-offs | 168.1034% | 1,416 |
| Earnings coverage of net charge-offs (x) | 10.6640% | 2,334 |
| Efficiency ratio | 71.7644% | 3,447 |
| Assets per employee ($millions) | 4.3588% | 3,124 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5350% | 6,627 |
| Loan loss allowance to noncurrent loans | 113.9717% | 3,156 |
| Noncurrent assets plus other real estate owned to assets | 0.6096% | 4,609 |
| Noncurrent loans to loans | 0.4694% | 5,018 |
| Net loans and leases to total assets | 88.4712% | 74 |
| Net loans and leases to deposits | 128.0176% | 40 |
| Net loans and leases to core deposits | 150.3464% | 91 |
| Total domestic deposits to total assets | 69.1086% | 6,628 |
| Equity capital to assets | 10.5331% | 3,236 |
| Core capital (leverage) ratio | 10.4639% | 3,044 |
| Tier 1 risk-based capital ratio | 17.5111% | 2,505 |
| Total risk-based capital ratio | 18.3081% | 2,649 |
| Memoranda: | ||
| Average total assets | $150,577,000 | 3,726 |
| Average earning assets | $138,820,500 | 3,716 |
| Average equity | $15,649,750 | 3,802 |
| Average total loans | $133,123,500 | 2,818 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3980% | 2,570 |
| Cost of funding earning assets | 0.8124% | 1,356 |
| Net interest margin | 3.5856% | 3,429 |
| Noninterest income to average assets | 0.5883% | 3,265 |
| Noninterest expense to average assets | 2.7509% | 3,853 |
| Loan and lease loss provision to assets | 0.2135% | 1,772 |
| Net operating income to assets | 0.6537% | 4,043 |
| Return on assets (ROA) | 0.6537% | 4,209 |
| Pretax return on assets | 0.9272% | 3,796 |
| Return on Equity (ROE) | 6.3185% | 3,984 |
| Retained earnings to average equity (ytd only) | 6.3185% | 2,252 |
| Net charge-offs to loans | 0.1436% | 2,949 |
| Credit loss provision to net charge-offs | 168.4211% | 1,397 |
| Earnings coverage of net charge-offs (x) | 9.0000% | 2,337 |
| Efficiency ratio | 70.6891% | 3,697 |
| Assets per employee ($millions) | 4.0494% | 3,692 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5297% | 6,682 |
| Loan loss allowance to noncurrent loans | 156.4835% | 2,435 |
| Noncurrent assets plus other real estate owned to assets | 0.4859% | 5,052 |
| Noncurrent loans to loans | 0.3385% | 5,449 |
| Net loans and leases to total assets | 89.2463% | 57 |
| Net loans and leases to deposits | 125.2632% | 54 |
| Net loans and leases to core deposits | 147.3601% | 102 |
| Total domestic deposits to total assets | 71.2470% | 6,607 |
| Equity capital to assets | 10.5361% | 3,254 |
| Core capital (leverage) ratio | 10.4913% | 2,883 |
| Tier 1 risk-based capital ratio | 17.4720% | 2,524 |
| Total risk-based capital ratio | 18.2638% | 2,680 |
| Memoranda: | ||
| Average total assets | $149,917,000 | 3,774 |
| Average earning assets | $138,108,670 | 3,749 |
| Average equity | $15,510,000 | 3,852 |
| Average total loans | $132,266,330 | 2,837 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4130% | 2,476 |
| Cost of funding earning assets | 0.8571% | 1,218 |
| Net interest margin | 3.5559% | 3,454 |
| Noninterest income to average assets | 0.5388% | 3,507 |
| Noninterest expense to average assets | 2.8354% | 3,582 |
| Loan and lease loss provision to assets | 0.1734% | 2,132 |
| Net operating income to assets | 0.5601% | 4,413 |
| Return on assets (ROA) | 0.5601% | 4,570 |
| Pretax return on assets | 0.8055% | 4,153 |
| Return on Equity (ROE) | 5.4645% | 4,324 |
| Retained earnings to average equity (ytd only) | 5.4645% | 2,970 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3357% | 3,208 |
| Assets per employee ($millions) | 4.3535% | 3,240 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5366% | 6,761 |
| Loan loss allowance to noncurrent loans | 174.5098% | 2,105 |
| Noncurrent assets plus other real estate owned to assets | 0.5191% | 5,087 |
| Noncurrent loans to loans | 0.3075% | 5,632 |
| Net loans and leases to total assets | 86.6143% | 107 |
| Net loans and leases to deposits | 122.3316% | 53 |
| Net loans and leases to core deposits | 143.1384% | 113 |
| Total domestic deposits to total assets | 70.8028% | 6,721 |
| Equity capital to assets | 10.1542% | 3,952 |
| Core capital (leverage) ratio | 10.0987% | 3,275 |
| Tier 1 risk-based capital ratio | 17.0111% | 2,745 |
| Total risk-based capital ratio | 17.7987% | 2,933 |
| Memoranda: | ||
| Average total assets | $149,961,500 | 3,809 |
| Average earning assets | $138,138,000 | 3,791 |
| Average equity | $15,372,000 | 3,927 |
| Average total loans | $131,185,500 | 2,877 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7291% | 2,479 |
| Cost of funding earning assets | 1.0836% | 967 |
| Net interest margin | 3.6455% | 3,899 |
| Noninterest income to average assets | 0.5577% | 3,520 |
| Noninterest expense to average assets | 2.8920% | 3,672 |
| Loan and lease loss provision to assets | 0.1577% | 3,646 |
| Net operating income to assets | 0.5974% | 4,252 |
| Return on assets (ROA) | 0.6961% | 4,010 |
| Pretax return on assets | 0.9829% | 3,606 |
| Return on Equity (ROE) | 6.5402% | 3,890 |
| Retained earnings to average equity (ytd only) | 6.5402% | 1,795 |
| Net charge-offs to loans | 0.2260% | 3,583 |
| Credit loss provision to net charge-offs | 80.5861% | 3,816 |
| Earnings coverage of net charge-offs (x) | 5.1172% | 3,146 |
| Efficiency ratio | 74.2773% | 3,026 |
| Assets per employee ($millions) | 3.9879% | 3,976 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4989% | 6,840 |
| Loan loss allowance to noncurrent loans | 172.0745% | 2,105 |
| Noncurrent assets plus other real estate owned to assets | 0.4161% | 5,447 |
| Noncurrent loans to loans | 0.2899% | 5,756 |
| Net loans and leases to total assets | 87.4519% | 96 |
| Net loans and leases to deposits | 120.6122% | 70 |
| Net loans and leases to core deposits | 141.0950% | 129 |
| Total domestic deposits to total assets | 72.5066% | 6,660 |
| Equity capital to assets | 10.3502% | 3,696 |
| Core capital (leverage) ratio | 10.2870% | 3,027 |
| Tier 1 risk-based capital ratio | 17.1895% | 2,565 |
| Total risk-based capital ratio | 17.9227% | 2,778 |
| Memoranda: | ||
| Average total assets | $139,489,800 | 3,961 |
| Average earning assets | $127,635,800 | 3,954 |
| Average equity | $14,846,600 | 3,997 |
| Average total loans | $120,806,200 | 3,052 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7850% | 2,442 |
| Cost of funding earning assets | 1.1212% | 976 |
| Net interest margin | 3.6638% | 3,951 |
| Noninterest income to average assets | 0.5693% | 3,477 |
| Noninterest expense to average assets | 2.9328% | 3,470 |
| Loan and lease loss provision to assets | 0.1552% | 3,583 |
| Net operating income to assets | 0.5939% | 4,419 |
| Return on assets (ROA) | 0.6944% | 4,187 |
| Pretax return on assets | 0.9728% | 3,811 |
| Return on Equity (ROE) | 6.4764% | 4,079 |
| Retained earnings to average equity (ytd only) | 6.4764% | 2,390 |
| Net charge-offs to loans | 0.2777% | 3,058 |
| Credit loss provision to net charge-offs | 64.7773% | 4,035 |
| Earnings coverage of net charge-offs (x) | 4.1174% | 3,397 |
| Efficiency ratio | 74.8330% | 2,852 |
| Assets per employee ($millions) | 3.7058% | 4,527 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4973% | 6,956 |
| Loan loss allowance to noncurrent loans | 146.3007% | 2,334 |
| Noncurrent assets plus other real estate owned to assets | 0.4992% | 5,424 |
| Noncurrent loans to loans | 0.3399% | 5,796 |
| Net loans and leases to total assets | 87.1042% | 112 |
| Net loans and leases to deposits | 116.0431% | 96 |
| Net loans and leases to core deposits | 136.2612% | 156 |
| Total domestic deposits to total assets | 75.0620% | 6,511 |
| Equity capital to assets | 10.7101% | 3,599 |
| Core capital (leverage) ratio | 10.6028% | 2,794 |
| Tier 1 risk-based capital ratio | 17.5890% | 2,502 |
| Total risk-based capital ratio | 18.3120% | 2,657 |
| Memoranda: | ||
| Average total assets | $137,474,250 | 4,036 |
| Average earning assets | $125,694,250 | 4,021 |
| Average equity | $14,740,250 | 4,059 |
| Average total loans | $118,586,750 | 3,150 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8324% | 2,372 |
| Cost of funding earning assets | 1.1495% | 1,030 |
| Net interest margin | 3.6829% | 3,912 |
| Noninterest income to average assets | 0.5530% | 3,566 |
| Noninterest expense to average assets | 2.9950% | 3,273 |
| Loan and lease loss provision to assets | 0.1467% | 3,682 |
| Net operating income to assets | 0.5616% | 4,526 |
| Return on assets (ROA) | 0.7158% | 4,050 |
| Pretax return on assets | 0.9900% | 3,741 |
| Return on Equity (ROE) | 6.6729% | 3,948 |
| Retained earnings to average equity (ytd only) | 6.6729% | 2,289 |
| Net charge-offs to loans | 0.3486% | 2,621 |
| Credit loss provision to net charge-offs | 49.0196% | 4,060 |
| Earnings coverage of net charge-offs (x) | 3.0833% | 3,512 |
| Efficiency ratio | 76.4508% | 2,678 |
| Assets per employee ($millions) | 3.5580% | 4,852 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5011% | 7,022 |
| Loan loss allowance to noncurrent loans | 165.5556% | 2,027 |
| Noncurrent assets plus other real estate owned to assets | 0.4667% | 5,601 |
| Noncurrent loans to loans | 0.3026% | 5,956 |
| Net loans and leases to total assets | 87.5380% | 94 |
| Net loans and leases to deposits | 116.5774% | 88 |
| Net loans and leases to core deposits | 133.2320% | 192 |
| Total domestic deposits to total assets | 75.0900% | 6,579 |
| Equity capital to assets | 10.9835% | 3,138 |
| Core capital (leverage) ratio | 10.8623% | 2,427 |
| Tier 1 risk-based capital ratio | 17.7194% | 2,391 |
| Total risk-based capital ratio | 18.4385% | 2,553 |
| Memoranda: | ||
| Average total assets | $136,358,670 | 4,068 |
| Average earning assets | $124,575,330 | 4,064 |
| Average equity | $14,626,330 | 4,068 |
| Average total loans | $117,024,330 | 3,198 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8340% | 2,511 |
| Cost of funding earning assets | 1.1965% | 1,003 |
| Net interest margin | 3.6375% | 4,096 |
| Noninterest income to average assets | 0.5316% | 3,688 |
| Noninterest expense to average assets | 3.1197% | 2,854 |
| Loan and lease loss provision to assets | 0.1461% | 3,539 |
| Net operating income to assets | 0.4092% | 5,214 |
| Return on assets (ROA) | 0.6076% | 4,523 |
| Pretax return on assets | 0.8705% | 4,149 |
| Return on Equity (ROE) | 5.7322% | 4,437 |
| Retained earnings to average equity (ytd only) | 5.7322% | 3,125 |
| Net charge-offs to loans | 0.7375% | 1,383 |
| Credit loss provision to net charge-offs | 23.3645% | 3,734 |
| Earnings coverage of net charge-offs (x) | 1.1729% | 3,748 |
| Efficiency ratio | 80.9704% | 2,082 |
| Assets per employee ($millions) | 3.4628% | 5,201 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4592% | 7,098 |
| Loan loss allowance to noncurrent loans | 106.9860% | 2,888 |
| Noncurrent assets plus other real estate owned to assets | 0.5961% | 5,398 |
| Noncurrent loans to loans | 0.4292% | 5,810 |
| Net loans and leases to total assets | 86.0297% | 118 |
| Net loans and leases to deposits | 112.0278% | 111 |
| Net loans and leases to core deposits | 127.4660% | 219 |
| Total domestic deposits to total assets | 76.7932% | 6,431 |
| Equity capital to assets | 10.7893% | 3,161 |
| Core capital (leverage) ratio | 10.6477% | 2,600 |
| Tier 1 risk-based capital ratio | 17.3055% | 2,548 |
| Total risk-based capital ratio | 17.9516% | 2,766 |
| Memoranda: | ||
| Average total assets | $136,936,500 | 4,092 |
| Average earning assets | $125,032,000 | 4,086 |
| Average equity | $14,514,500 | 4,092 |
| Average total loans | $116,061,500 | 3,229 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0631% | 2,591 |
| Cost of funding earning assets | 1.3750% | 1,147 |
| Net interest margin | 3.6880% | 4,350 |
| Noninterest income to average assets | 0.6082% | 3,120 |
| Noninterest expense to average assets | 2.9083% | 3,932 |
| Loan and lease loss provision to assets | 0.0959% | 5,393 |
| Net operating income to assets | 0.6699% | 3,631 |
| Return on assets (ROA) | 0.7869% | 3,259 |
| Pretax return on assets | 1.1389% | 2,698 |
| Return on Equity (ROE) | 8.2239% | 2,792 |
| Retained earnings to average equity (ytd only) | 8.2239% | 1,008 |
| Net charge-offs to loans | 0.1738% | 4,759 |
| Credit loss provision to net charge-offs | 68.3060% | 4,919 |
| Earnings coverage of net charge-offs (x) | 7.5902% | 2,310 |
| Efficiency ratio | 73.1905% | 3,362 |
| Assets per employee ($millions) | 3.7519% | 4,432 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4367% | 7,145 |
| Loan loss allowance to noncurrent loans | 82.0847% | 3,592 |
| Noncurrent assets plus other real estate owned to assets | 0.5201% | 5,662 |
| Noncurrent loans to loans | 0.5320% | 5,650 |
| Net loans and leases to total assets | 82.7671% | 284 |
| Net loans and leases to deposits | 105.3308% | 269 |
| Net loans and leases to core deposits | 124.2098% | 295 |
| Total domestic deposits to total assets | 78.5783% | 6,078 |
| Equity capital to assets | 10.4148% | 3,636 |
| Core capital (leverage) ratio | 10.2156% | 3,072 |
| Tier 1 risk-based capital ratio | 16.5671% | 2,791 |
| Total risk-based capital ratio | 17.1572% | 3,053 |
| Memoranda: | ||
| Average total assets | $130,386,000 | 4,162 |
| Average earning assets | $118,979,400 | 4,158 |
| Average equity | $12,475,800 | 4,448 |
| Average total loans | $105,265,000 | 3,492 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1325% | 2,464 |
| Cost of funding earning assets | 1.4171% | 1,160 |
| Net interest margin | 3.7154% | 4,265 |
| Noninterest income to average assets | 0.6236% | 3,037 |
| Noninterest expense to average assets | 2.9436% | 3,765 |
| Loan and lease loss provision to assets | 0.0883% | 5,346 |
| Net operating income to assets | 0.6792% | 3,719 |
| Return on assets (ROA) | 0.7359% | 3,621 |
| Pretax return on assets | 1.0612% | 3,163 |
| Return on Equity (ROE) | 7.8795% | 3,091 |
| Retained earnings to average equity (ytd only) | 7.8795% | 1,552 |
| Net charge-offs to loans | 0.1739% | 4,410 |
| Credit loss provision to net charge-offs | 63.4328% | 4,691 |
| Earnings coverage of net charge-offs (x) | 7.6643% | 2,319 |
| Efficiency ratio | 73.3869% | 3,299 |
| Assets per employee ($millions) | 4.0057% | 3,829 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4824% | 7,174 |
| Loan loss allowance to noncurrent loans | 77.4584% | 3,661 |
| Noncurrent assets plus other real estate owned to assets | 0.6400% | 5,537 |
| Noncurrent loans to loans | 0.6228% | 5,643 |
| Net loans and leases to total assets | 79.9035% | 527 |
| Net loans and leases to deposits | 101.5831% | 409 |
| Net loans and leases to core deposits | 117.8028% | 445 |
| Total domestic deposits to total assets | 78.6583% | 6,058 |
| Equity capital to assets | 9.3201% | 5,346 |
| Core capital (leverage) ratio | 8.9834% | 4,963 |
| Tier 1 risk-based capital ratio | 14.2933% | 4,132 |
| Total risk-based capital ratio | 14.9119% | 4,575 |
| Memoranda: | ||
| Average total assets | $128,277,000 | 4,229 |
| Average earning assets | $116,950,750 | 4,223 |
| Average equity | $11,980,250 | 4,574 |
| Average total loans | $102,730,500 | 3,580 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1671% | 2,393 |
| Cost of funding earning assets | 1.4608% | 1,158 |
| Net interest margin | 3.7063% | 4,231 |
| Noninterest income to average assets | 0.6096% | 3,075 |
| Noninterest expense to average assets | 2.9581% | 3,800 |
| Loan and lease loss provision to assets | 0.0945% | 5,150 |
| Net operating income to assets | 0.6502% | 3,796 |
| Return on assets (ROA) | 0.6789% | 3,771 |
| Pretax return on assets | 0.9750% | 3,337 |
| Return on Equity (ROE) | 7.2638% | 3,314 |
| Retained earnings to average equity (ytd only) | 7.2638% | 1,758 |
| Net charge-offs to loans | 0.2264% | 3,767 |
| Credit loss provision to net charge-offs | 52.1739% | 4,529 |
| Earnings coverage of net charge-offs (x) | 5.6783% | 2,556 |
| Efficiency ratio | 74.1999% | 3,326 |
| Assets per employee ($millions) | 3.8096% | 4,175 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4907% | 7,237 |
| Loan loss allowance to noncurrent loans | 66.3601% | 4,117 |
| Noncurrent assets plus other real estate owned to assets | 0.7551% | 5,394 |
| Noncurrent loans to loans | 0.7395% | 5,438 |
| Net loans and leases to total assets | 79.0637% | 645 |
| Net loans and leases to deposits | 102.0946% | 385 |
| Net loans and leases to core deposits | 115.2114% | 540 |
| Total domestic deposits to total assets | 77.4416% | 6,387 |
| Equity capital to assets | 9.3487% | 5,082 |
| Core capital (leverage) ratio | 8.9586% | 4,791 |
| Tier 1 risk-based capital ratio | 14.3034% | 3,932 |
| Total risk-based capital ratio | 14.9286% | 4,371 |
| Memoranda: | ||
| Average total assets | $126,973,670 | 4,283 |
| Average earning assets | $115,693,670 | 4,283 |
| Average equity | $11,867,000 | 4,589 |
| Average total loans | $101,596,000 | 3,640 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2126% | 2,177 |
| Cost of funding earning assets | 1.5058% | 1,141 |
| Net interest margin | 3.7068% | 4,063 |
| Noninterest income to average assets | 0.5442% | 3,549 |
| Noninterest expense to average assets | 3.0804% | 3,334 |
| Loan and lease loss provision to assets | 0.1273% | 4,403 |
| Net operating income to assets | 0.5052% | 4,470 |
| Return on assets (ROA) | 0.5346% | 4,420 |
| Pretax return on assets | 0.7542% | 4,086 |
| Return on Equity (ROE) | 5.7211% | 4,056 |
| Retained earnings to average equity (ytd only) | 5.7211% | 2,789 |
| Net charge-offs to loans | 0.3012% | 2,840 |
| Credit loss provision to net charge-offs | 52.6316% | 3,700 |
| Earnings coverage of net charge-offs (x) | 3.4737% | 2,730 |
| Efficiency ratio | 78.5714% | 2,755 |
| Assets per employee ($millions) | 3.9477% | 3,949 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5138% | 7,272 |
| Loan loss allowance to noncurrent loans | 72.3757% | 3,823 |
| Noncurrent assets plus other real estate owned to assets | 0.7718% | 5,369 |
| Noncurrent loans to loans | 0.7099% | 5,594 |
| Net loans and leases to total assets | 80.3222% | 485 |
| Net loans and leases to deposits | 105.0383% | 278 |
| Net loans and leases to core deposits | 115.2432% | 554 |
| Total domestic deposits to total assets | 76.4694% | 6,607 |
| Equity capital to assets | 9.3418% | 4,663 |
| Core capital (leverage) ratio | 8.9424% | 4,703 |
| Tier 1 risk-based capital ratio | 14.0728% | 4,027 |
| Total risk-based capital ratio | 14.7285% | 4,415 |
| Memoranda: | ||
| Average total assets | $125,697,500 | 4,343 |
| Average earning assets | $114,492,500 | 4,340 |
| Average equity | $11,746,000 | 4,614 |
| Average total loans | $100,937,500 | 3,695 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5330% | 2,148 |
| Cost of funding earning assets | 1.7327% | 1,453 |
| Net interest margin | 3.8003% | 3,945 |
| Noninterest income to average assets | 0.6395% | 3,214 |
| Noninterest expense to average assets | 3.0652% | 3,607 |
| Loan and lease loss provision to assets | 0.5106% | 3,111 |
| Net operating income to assets | 0.3672% | 4,687 |
| Return on assets (ROA) | 0.3979% | 4,689 |
| Pretax return on assets | 0.5454% | 4,489 |
| Return on Equity (ROE) | 4.3361% | 4,370 |
| Retained earnings to average equity (ytd only) | 4.3361% | 2,804 |
| Net charge-offs to loans | 0.6605% | 3,027 |
| Credit loss provision to net charge-offs | 100.0000% | 4,560 |
| Earnings coverage of net charge-offs (x) | 1.9857% | 4,247 |
| Efficiency ratio | 75.1440% | 3,176 |
| Assets per employee ($millions) | 3.6785% | 4,512 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5607% | 7,310 |
| Loan loss allowance to noncurrent loans | 76.6074% | 3,671 |
| Noncurrent assets plus other real estate owned to assets | 0.6245% | 5,761 |
| Noncurrent loans to loans | 0.7318% | 5,584 |
| Net loans and leases to total assets | 79.4147% | 740 |
| Net loans and leases to deposits | 106.5045% | 304 |
| Net loans and leases to core deposits | 114.4312% | 701 |
| Total domestic deposits to total assets | 74.5646% | 6,823 |
| Equity capital to assets | 9.3476% | 4,620 |
| Core capital (leverage) ratio | 8.9018% | 4,697 |
| Tier 1 risk-based capital ratio | 14.1078% | 3,803 |
| Total risk-based capital ratio | 14.8209% | 4,122 |
| Memoranda: | ||
| Average total assets | $123,385,200 | 4,416 |
| Average earning assets | $111,675,800 | 4,429 |
| Average equity | $11,323,600 | 4,785 |
| Average total loans | $95,383,400 | 3,912 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5607% | 2,210 |
| Cost of funding earning assets | 1.7756% | 1,526 |
| Net interest margin | 3.7851% | 4,034 |
| Noninterest income to average assets | 0.6397% | 3,191 |
| Noninterest expense to average assets | 3.0957% | 3,356 |
| Loan and lease loss provision to assets | 0.6723% | 2,275 |
| Net operating income to assets | 0.2269% | 5,431 |
| Return on assets (ROA) | 0.2570% | 5,483 |
| Pretax return on assets | 0.3318% | 5,421 |
| Return on Equity (ROE) | 2.8134% | 5,303 |
| Retained earnings to average equity (ytd only) | 2.8134% | 4,458 |
| Net charge-offs to loans | 0.8331% | 2,371 |
| Credit loss provision to net charge-offs | 105.2632% | 4,070 |
| Earnings coverage of net charge-offs (x) | 1.5110% | 4,592 |
| Efficiency ratio | 76.2350% | 2,898 |
| Assets per employee ($millions) | 3.8650% | 4,105 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6124% | 7,334 |
| Loan loss allowance to noncurrent loans | 56.8684% | 4,513 |
| Noncurrent assets plus other real estate owned to assets | 0.8999% | 5,302 |
| Noncurrent loans to loans | 1.0768% | 5,079 |
| Net loans and leases to total assets | 77.6837% | 1,091 |
| Net loans and leases to deposits | 105.2505% | 391 |
| Net loans and leases to core deposits | 113.9982% | 830 |
| Total domestic deposits to total assets | 73.8084% | 6,942 |
| Equity capital to assets | 9.3313% | 5,085 |
| Core capital (leverage) ratio | 8.8033% | 5,002 |
| Tier 1 risk-based capital ratio | 13.7532% | 4,020 |
| Total risk-based capital ratio | 14.5053% | 4,352 |
| Memoranda: | ||
| Average total assets | $122,964,000 | 4,477 |
| Average earning assets | $111,134,750 | 4,503 |
| Average equity | $11,231,750 | 4,869 |
| Average total loans | $94,258,250 | 4,013 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5687% | 2,257 |
| Cost of funding earning assets | 1.8340% | 1,512 |
| Net interest margin | 3.7348% | 4,216 |
| Noninterest income to average assets | 0.6274% | 3,146 |
| Noninterest expense to average assets | 3.2023% | 2,896 |
| Loan and lease loss provision to assets | 0.7008% | 2,073 |
| Net operating income to assets | 0.0894% | 5,895 |
| Return on assets (ROA) | 0.1239% | 5,901 |
| Pretax return on assets | 0.1287% | 5,925 |
| Return on Equity (ROE) | 1.3658% | 5,844 |
| Retained earnings to average equity (ytd only) | 1.3658% | 5,198 |
| Net charge-offs to loans | 0.7854% | 2,280 |
| Credit loss provision to net charge-offs | 117.1662% | 3,472 |
| Earnings coverage of net charge-offs (x) | 1.3270% | 4,500 |
| Efficiency ratio | 80.1387% | 2,427 |
| Assets per employee ($millions) | 3.6226% | 4,656 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6655% | 7,315 |
| Loan loss allowance to noncurrent loans | 52.1303% | 4,827 |
| Noncurrent assets plus other real estate owned to assets | 0.9775% | 5,183 |
| Noncurrent loans to loans | 1.2767% | 4,830 |
| Net loans and leases to total assets | 75.6185% | 1,565 |
| Net loans and leases to deposits | 106.9815% | 352 |
| Net loans and leases to core deposits | 113.2599% | 963 |
| Total domestic deposits to total assets | 70.6837% | 7,286 |
| Equity capital to assets | 9.1518% | 5,211 |
| Core capital (leverage) ratio | 8.7011% | 5,069 |
| Tier 1 risk-based capital ratio | 13.6487% | 3,978 |
| Total risk-based capital ratio | 14.4473% | 4,246 |
| Memoranda: | ||
| Average total assets | $122,725,000 | 4,509 |
| Average earning assets | $110,690,000 | 4,544 |
| Average equity | $11,128,670 | 4,898 |
| Average total loans | $93,453,670 | 4,070 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6327% | 2,019 |
| Cost of funding earning assets | 1.8511% | 1,653 |
| Net interest margin | 3.7816% | 3,871 |
| Noninterest income to average assets | 0.5094% | 3,978 |
| Noninterest expense to average assets | 3.2489% | 2,707 |
| Loan and lease loss provision to assets | 0.2122% | 4,389 |
| Net operating income to assets | 0.3457% | 5,100 |
| Return on assets (ROA) | 0.3722% | 5,089 |
| Pretax return on assets | 0.5061% | 4,940 |
| Return on Equity (ROE) | 4.1241% | 4,838 |
| Retained earnings to average equity (ytd only) | 4.1241% | 3,676 |
| Net charge-offs to loans | -0.0386% | 7,274 |
| Credit loss provision to net charge-offs | -722.2222% | 6,332 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.6412% | 2,186 |
| Assets per employee ($millions) | 3.5728% | 4,886 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6788% | 7,377 |
| Loan loss allowance to noncurrent loans | 48.9591% | 5,072 |
| Noncurrent assets plus other real estate owned to assets | 1.1229% | 4,913 |
| Noncurrent loans to loans | 1.3865% | 4,652 |
| Net loans and leases to total assets | 76.4832% | 1,437 |
| Net loans and leases to deposits | 110.0428% | 289 |
| Net loans and leases to core deposits | 115.3005% | 980 |
| Total domestic deposits to total assets | 69.5032% | 7,438 |
| Equity capital to assets | 9.1517% | 5,061 |
| Core capital (leverage) ratio | 8.8026% | 4,849 |
| Tier 1 risk-based capital ratio | 13.6564% | 3,889 |
| Total risk-based capital ratio | 14.4705% | 4,147 |
| Memoranda: | ||
| Average total assets | $122,504,000 | 4,570 |
| Average earning assets | $110,853,000 | 4,586 |
| Average equity | $11,057,000 | 4,963 |
| Average total loans | $93,300,000 | 4,135 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9999% | 1,870 |
| Cost of funding earning assets | 2.2209% | 1,940 |
| Net interest margin | 3.7790% | 3,801 |
| Noninterest income to average assets | 0.6520% | 3,277 |
| Noninterest expense to average assets | 3.5369% | 2,299 |
| Loan and lease loss provision to assets | 0.1772% | 5,923 |
| Net operating income to assets | 0.2885% | 4,576 |
| Return on assets (ROA) | -0.0964% | 5,679 |
| Pretax return on assets | -0.0305% | 5,496 |
| Return on Equity (ROE) | -1.1020% | 5,706 |
| Retained earnings to average equity (ytd only) | -1.1020% | 5,284 |
| Net charge-offs to loans | 0.1701% | 5,582 |
| Credit loss provision to net charge-offs | 136.9427% | 3,599 |
| Earnings coverage of net charge-offs (x) | 4.1083% | 3,061 |
| Efficiency ratio | 86.9327% | 1,999 |
| Assets per employee ($millions) | 3.6333% | 4,692 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6018% | 7,548 |
| Loan loss allowance to noncurrent loans | 46.7056% | 5,269 |
| Noncurrent assets plus other real estate owned to assets | 1.2288% | 4,644 |
| Noncurrent loans to loans | 1.2885% | 4,771 |
| Net loans and leases to total assets | 74.8763% | 2,058 |
| Net loans and leases to deposits | 112.4105% | 309 |
| Net loans and leases to core deposits | 124.3691% | 1,614 |
| Total domestic deposits to total assets | 66.6097% | 7,618 |
| Equity capital to assets | 8.9021% | 5,276 |
| Core capital (leverage) ratio | 8.5623% | 5,167 |
| Tier 1 risk-based capital ratio | 13.4360% | 3,861 |
| Total risk-based capital ratio | 14.1500% | 4,163 |
| Memoranda: | ||
| Average total assets | $121,320,800 | 4,526 |
| Average earning assets | $109,686,000 | 4,576 |
| Average equity | $10,617,000 | 5,124 |
| Average total loans | $92,272,200 | 4,150 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0898% | 1,684 |
| Cost of funding earning assets | 2.2762% | 2,084 |
| Net interest margin | 3.8136% | 3,600 |
| Noninterest income to average assets | 0.6326% | 3,476 |
| Noninterest expense to average assets | 3.6720% | 1,883 |
| Loan and lease loss provision to assets | 0.1601% | 5,745 |
| Net operating income to assets | 0.2274% | 5,064 |
| Return on assets (ROA) | -0.3003% | 6,214 |
| Pretax return on assets | -0.2793% | 6,075 |
| Return on Equity (ROE) | -3.4467% | 6,292 |
| Retained earnings to average equity (ytd only) | -3.4467% | 6,019 |
| Net charge-offs to loans | 0.1578% | 5,129 |
| Credit loss provision to net charge-offs | 133.0275% | 3,755 |
| Earnings coverage of net charge-offs (x) | 3.3945% | 3,550 |
| Efficiency ratio | 89.9892% | 1,690 |
| Assets per employee ($millions) | 3.7735% | 4,247 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5782% | 7,614 |
| Loan loss allowance to noncurrent loans | 31.4988% | 6,350 |
| Noncurrent assets plus other real estate owned to assets | 1.8045% | 3,649 |
| Noncurrent loans to loans | 1.8357% | 3,862 |
| Net loans and leases to total assets | 76.6060% | 1,872 |
| Net loans and leases to deposits | 111.8576% | 396 |
| Net loans and leases to core deposits | 125.0662% | 1,808 |
| Total domestic deposits to total assets | 68.4853% | 7,536 |
| Equity capital to assets | 8.9869% | 5,496 |
| Core capital (leverage) ratio | 8.6321% | 5,253 |
| Tier 1 risk-based capital ratio | 13.2076% | 4,048 |
| Total risk-based capital ratio | 13.8919% | 4,392 |
| Memoranda: | ||
| Average total assets | $120,767,750 | 4,572 |
| Average earning assets | $109,184,500 | 4,615 |
| Average equity | $10,522,000 | 5,191 |
| Average total loans | $92,076,000 | 4,194 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1799% | 1,524 |
| Cost of funding earning assets | 2.3246% | 2,261 |
| Net interest margin | 3.8553% | 3,318 |
| Noninterest income to average assets | 0.6094% | 3,612 |
| Noninterest expense to average assets | 3.7707% | 1,701 |
| Loan and lease loss provision to assets | 0.1490% | 5,586 |
| Net operating income to assets | 0.1665% | 5,362 |
| Return on assets (ROA) | -0.6061% | 6,670 |
| Pretax return on assets | -0.6243% | 6,548 |
| Return on Equity (ROE) | -7.0303% | 6,804 |
| Retained earnings to average equity (ytd only) | -7.0303% | 6,563 |
| Net charge-offs to loans | 0.1460% | 4,722 |
| Credit loss provision to net charge-offs | 134.3284% | 3,472 |
| Earnings coverage of net charge-offs (x) | 2.8955% | 3,656 |
| Efficiency ratio | 92.1489% | 1,626 |
| Assets per employee ($millions) | 3.5136% | 4,787 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5687% | 7,693 |
| Loan loss allowance to noncurrent loans | 64.0587% | 4,230 |
| Noncurrent assets plus other real estate owned to assets | 1.1527% | 4,638 |
| Noncurrent loans to loans | 0.8877% | 5,440 |
| Net loans and leases to total assets | 76.6972% | 2,018 |
| Net loans and leases to deposits | 113.1370% | 440 |
| Net loans and leases to core deposits | 123.6308% | 2,055 |
| Total domestic deposits to total assets | 67.7914% | 7,633 |
| Equity capital to assets | 8.6747% | 5,790 |
| Core capital (leverage) ratio | 8.6181% | 5,230 |
| Tier 1 risk-based capital ratio | 13.1553% | 4,031 |
| Total risk-based capital ratio | 13.8252% | 4,383 |
| Memoranda: | ||
| Average total assets | $120,772,670 | 4,614 |
| Average earning assets | $109,095,670 | 4,652 |
| Average equity | $10,412,000 | 5,238 |
| Average total loans | $91,754,000 | 4,238 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2406% | 1,474 |
| Cost of funding earning assets | 2.3963% | 2,308 |
| Net interest margin | 3.8443% | 3,276 |
| Noninterest income to average assets | 0.5007% | 4,315 |
| Noninterest expense to average assets | 3.3633% | 2,462 |
| Loan and lease loss provision to assets | 0.1153% | 5,491 |
| Net operating income to assets | 0.3986% | 4,866 |
| Return on assets (ROA) | -1.1793% | 7,366 |
| Pretax return on assets | -1.0838% | 7,190 |
| Return on Equity (ROE) | -13.7211% | 7,553 |
| Retained earnings to average equity (ytd only) | -13.7211% | 7,366 |
| Net charge-offs to loans | 0.3451% | 2,704 |
| Credit loss provision to net charge-offs | 44.3038% | 4,760 |
| Earnings coverage of net charge-offs (x) | 2.3418% | 3,562 |
| Efficiency ratio | 84.6600% | 2,229 |
| Assets per employee ($millions) | 3.3748% | 5,141 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4958% | 7,835 |
| Loan loss allowance to noncurrent loans | 189.6266% | 1,739 |
| Noncurrent assets plus other real estate owned to assets | 0.7515% | 5,279 |
| Noncurrent loans to loans | 0.2615% | 6,785 |
| Net loans and leases to total assets | 75.4893% | 2,393 |
| Net loans and leases to deposits | 108.7598% | 685 |
| Net loans and leases to core deposits | 124.3812% | 2,051 |
| Total domestic deposits to total assets | 69.4092% | 7,480 |
| Equity capital to assets | 8.4432% | 6,159 |
| Core capital (leverage) ratio | 8.4379% | 5,647 |
| Tier 1 risk-based capital ratio | 14.6301% | 3,239 |
| Total risk-based capital ratio | 15.2823% | 3,491 |
| Memoranda: | ||
| Average total assets | $121,428,000 | 4,607 |
| Average earning assets | $109,668,500 | 4,649 |
| Average equity | $10,436,500 | 5,247 |
| Average total loans | $91,557,000 | 4,272 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2272% | 4,373 |
| Cost of funding earning assets | 2.7486% | 2,934 |
| Net interest margin | 3.4786% | 5,369 |
| Noninterest income to average assets | 0.6498% | 3,478 |
| Noninterest expense to average assets | 3.3756% | 2,746 |
| Loan and lease loss provision to assets | 2.4427% | 432 |
| Net operating income to assets | -1.8404% | 7,568 |
| Return on assets (ROA) | -3.1895% | 7,838 |
| Pretax return on assets | -3.4735% | 7,805 |
| Return on Equity (ROE) | -30.8888% | 7,974 |
| Retained earnings to average equity (ytd only) | -30.8888% | 7,926 |
| Net charge-offs to loans | 0.2438% | 3,824 |
| Credit loss provision to net charge-offs | 1,384.0909% | 328 |
| Earnings coverage of net charge-offs (x) | 2.4682% | 4,840 |
| Efficiency ratio | 88.5708% | 1,623 |
| Assets per employee ($millions) | 3.3712% | 5,029 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5509% | 7,766 |
| Loan loss allowance to noncurrent loans | 65.8344% | 4,723 |
| Noncurrent assets plus other real estate owned to assets | 1.0967% | 4,090 |
| Noncurrent loans to loans | 0.8368% | 4,962 |
| Net loans and leases to total assets | 74.5217% | 2,985 |
| Net loans and leases to deposits | 101.5552% | 1,633 |
| Net loans and leases to core deposits | 125.7785% | 2,176 |
| Total domestic deposits to total assets | 73.3805% | 6,758 |
| Equity capital to assets | 8.7466% | 5,737 |
| Core capital (leverage) ratio | 8.7413% | 5,126 |
| Tier 1 risk-based capital ratio | 15.1504% | 2,978 |
| Total risk-based capital ratio | 15.8659% | 3,167 |
| Memoranda: | ||
| Average total assets | $124,657,800 | 4,403 |
| Average earning assets | $113,292,800 | 4,439 |
| Average equity | $12,872,000 | 4,611 |
| Average total loans | $90,226,800 | 4,219 |