Home > Greenville Savings Bank > Performance and Condition Ratios
Greenville Savings Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6113% | 3,742 |
| Cost of funding earning assets | 2.3286% | 1,168 |
| Net interest margin | 2.2827% | 4,174 |
| Noninterest income to average assets | 0.1500% | 3,849 |
| Noninterest expense to average assets | 2.0522% | 3,448 |
| Loan and lease loss provision to assets | 0.0200% | 2,448 |
| Net operating income to assets | 0.2000% | 3,970 |
| Return on assets (ROA) | 0.2000% | 4,004 |
| Pretax return on assets | 0.2350% | 4,005 |
| Return on Equity (ROE) | 1.6000% | 4,034 |
| Retained earnings to average equity (ytd only) | 1.5955% | 3,394 |
| Net charge-offs to loans | 0.0435% | 1,234 |
| Credit loss provision to net charge-offs | 75.0000% | 1,425 |
| Earnings coverage of net charge-offs (x) | 7.6071% | 1,804 |
| Efficiency ratio | 88.8831% | 533 |
| Assets per employee ($millions) | 7.5841% | 1,833 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6652% | 4,084 |
| Loan loss allowance to noncurrent loans | 253.5503% | 1,843 |
| Noncurrent assets plus other real estate owned to assets | 0.2026% | 2,490 |
| Noncurrent loans to loans | 0.2624% | 2,553 |
| Net loans and leases to total assets | 76.7000% | 992 |
| Net loans and leases to deposits | 100.0012% | 418 |
| Net loans and leases to core deposits | 109.2808% | 877 |
| Total domestic deposits to total assets | 76.7000% | 3,924 |
| Equity capital to assets | 12.4959% | 1,057 |
| Core capital (leverage) ratio | 12.5466% | 1,255 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $331,937,500 | 2,333 |
| Average earning assets | $313,487,500 | 2,310 |
| Average equity | $41,616,500 | 1,980 |
| Average total loans | $257,235,000 | 2,082 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4632% | 3,914 |
| Cost of funding earning assets | 2.3554% | 1,442 |
| Net interest margin | 2.1077% | 4,210 |
| Noninterest income to average assets | 0.1800% | 3,818 |
| Noninterest expense to average assets | 1.9473% | 3,705 |
| Loan and lease loss provision to assets | -0.0400% | 4,239 |
| Net operating income to assets | 0.2339% | 3,936 |
| Return on assets (ROA) | 0.2339% | 3,963 |
| Pretax return on assets | 0.2686% | 3,962 |
| Return on Equity (ROE) | 1.8700% | 4,001 |
| Retained earnings to average equity (ytd only) | 1.8682% | 3,417 |
| Net charge-offs to loans | 0.0126% | 2,445 |
| Credit loss provision to net charge-offs | -590.6250% | 4,439 |
| Earnings coverage of net charge-offs (x) | 23.7813% | 1,707 |
| Efficiency ratio | 89.3760% | 536 |
| Assets per employee ($millions) | 7.1777% | 2,048 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6701% | 4,100 |
| Loan loss allowance to noncurrent loans | 256.8657% | 1,881 |
| Noncurrent assets plus other real estate owned to assets | 0.2029% | 2,444 |
| Noncurrent loans to loans | 0.2609% | 2,487 |
| Net loans and leases to total assets | 77.2600% | 985 |
| Net loans and leases to deposits | 103.0491% | 347 |
| Net loans and leases to core deposits | 112.1355% | 851 |
| Total domestic deposits to total assets | 74.9800% | 4,008 |
| Equity capital to assets | 12.5794% | 1,008 |
| Core capital (leverage) ratio | 12.5645% | 1,205 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $328,756,600 | 2,319 |
| Average earning assets | $311,281,200 | 2,289 |
| Average equity | $41,162,400 | 1,938 |
| Average total loans | $253,196,200 | 2,058 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4251% | 3,928 |
| Cost of funding earning assets | 2.3175% | 1,504 |
| Net interest margin | 2.1076% | 4,230 |
| Noninterest income to average assets | 0.1800% | 3,801 |
| Noninterest expense to average assets | 1.9419% | 3,700 |
| Loan and lease loss provision to assets | -0.0400% | 4,275 |
| Net operating income to assets | 0.2379% | 3,946 |
| Return on assets (ROA) | 0.2379% | 3,976 |
| Pretax return on assets | 0.2749% | 3,983 |
| Return on Equity (ROE) | 1.9000% | 4,037 |
| Retained earnings to average equity (ytd only) | 1.9024% | 3,490 |
| Net charge-offs to loans | 0.0164% | 2,066 |
| Credit loss provision to net charge-offs | -574.1935% | 4,467 |
| Earnings coverage of net charge-offs (x) | 18.5484% | 1,806 |
| Efficiency ratio | 89.2684% | 573 |
| Assets per employee ($millions) | 7.3364% | 1,914 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6857% | 4,113 |
| Loan loss allowance to noncurrent loans | 260.9940% | 1,893 |
| Noncurrent assets plus other real estate owned to assets | 0.2011% | 2,459 |
| Noncurrent loans to loans | 0.2627% | 2,500 |
| Net loans and leases to total assets | 76.0300% | 1,126 |
| Net loans and leases to deposits | 101.0450% | 445 |
| Net loans and leases to core deposits | 109.4791% | 960 |
| Total domestic deposits to total assets | 75.2400% | 3,986 |
| Equity capital to assets | 12.5254% | 1,100 |
| Core capital (leverage) ratio | 12.5380% | 1,264 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $328,402,250 | 2,316 |
| Average earning assets | $311,183,250 | 2,287 |
| Average equity | $41,069,500 | 1,947 |
| Average total loans | $252,291,000 | 2,055 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3658% | 3,955 |
| Cost of funding earning assets | 2.2212% | 1,602 |
| Net interest margin | 2.1446% | 4,212 |
| Noninterest income to average assets | 0.1700% | 3,865 |
| Noninterest expense to average assets | 1.9480% | 3,660 |
| Loan and lease loss provision to assets | -0.0400% | 4,291 |
| Net operating income to assets | 0.2501% | 3,925 |
| Return on assets (ROA) | 0.2501% | 3,962 |
| Pretax return on assets | 0.2928% | 3,945 |
| Return on Equity (ROE) | 2.0000% | 4,021 |
| Retained earnings to average equity (ytd only) | 2.0012% | 3,352 |
| Net charge-offs to loans | 0.0341% | 1,491 |
| Credit loss provision to net charge-offs | -390.6977% | 4,485 |
| Earnings coverage of net charge-offs (x) | 9.6977% | 2,006 |
| Efficiency ratio | 88.4488% | 642 |
| Assets per employee ($millions) | 7.1707% | 1,962 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6811% | 4,137 |
| Loan loss allowance to noncurrent loans | 288.5000% | 1,865 |
| Noncurrent assets plus other real estate owned to assets | 0.1819% | 2,490 |
| Noncurrent loans to loans | 0.2361% | 2,537 |
| Net loans and leases to total assets | 76.5300% | 1,115 |
| Net loans and leases to deposits | 104.1576% | 364 |
| Net loans and leases to core deposits | 112.9917% | 860 |
| Total domestic deposits to total assets | 73.4700% | 4,104 |
| Equity capital to assets | 12.4829% | 1,017 |
| Core capital (leverage) ratio | 12.6319% | 1,210 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $327,823,667 | 2,301 |
| Average earning assets | $310,920,000 | 2,277 |
| Average equity | $40,975,667 | 1,924 |
| Average total loans | $252,141,333 | 2,046 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3594% | 3,894 |
| Cost of funding earning assets | 2.1468% | 1,666 |
| Net interest margin | 2.2125% | 4,171 |
| Noninterest income to average assets | 0.1400% | 4,022 |
| Noninterest expense to average assets | 1.9914% | 3,605 |
| Loan and lease loss provision to assets | -0.0700% | 4,384 |
| Net operating income to assets | 0.2717% | 3,868 |
| Return on assets (ROA) | 0.2717% | 3,903 |
| Pretax return on assets | 0.3292% | 3,876 |
| Return on Equity (ROE) | 2.1700% | 3,975 |
| Retained earnings to average equity (ytd only) | 2.1724% | 3,190 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 88.6649% | 646 |
| Assets per employee ($millions) | 7.2624% | 1,918 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7079% | 4,103 |
| Loan loss allowance to noncurrent loans | 244.6133% | 2,179 |
| Noncurrent assets plus other real estate owned to assets | 0.2215% | 2,251 |
| Noncurrent loans to loans | 0.2894% | 2,281 |
| Net loans and leases to total assets | 76.0100% | 1,064 |
| Net loans and leases to deposits | 101.1623% | 431 |
| Net loans and leases to core deposits | 109.5157% | 958 |
| Total domestic deposits to total assets | 75.1300% | 4,048 |
| Equity capital to assets | 12.5416% | 974 |
| Core capital (leverage) ratio | 12.5213% | 1,211 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $326,810,000 | 2,312 |
| Average earning assets | $310,412,000 | 2,283 |
| Average equity | $40,876,000 | 1,923 |
| Average total loans | $251,132,500 | 2,049 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0135% | 3,950 |
| Cost of funding earning assets | 1.6038% | 1,681 |
| Net interest margin | 2.4096% | 4,178 |
| Noninterest income to average assets | 0.1500% | 4,057 |
| Noninterest expense to average assets | 1.9976% | 3,644 |
| Loan and lease loss provision to assets | -0.0100% | 4,255 |
| Net operating income to assets | 0.3695% | 3,927 |
| Return on assets (ROA) | 0.3695% | 3,921 |
| Pretax return on assets | 0.4571% | 3,884 |
| Return on Equity (ROE) | 2.9800% | 4,028 |
| Retained earnings to average equity (ytd only) | 2.9772% | 3,275 |
| Net charge-offs to loans | 0.0109% | 2,240 |
| Credit loss provision to net charge-offs | 22.2222% | 2,298 |
| Earnings coverage of net charge-offs (x) | 53.5556% | 1,254 |
| Efficiency ratio | 81.7378% | 794 |
| Assets per employee ($millions) | 7.2625% | 1,890 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7703% | 4,024 |
| Loan loss allowance to noncurrent loans | 281.8578% | 2,082 |
| Noncurrent assets plus other real estate owned to assets | 0.2108% | 2,173 |
| Noncurrent loans to loans | 0.2733% | 2,209 |
| Net loans and leases to total assets | 76.5400% | 1,041 |
| Net loans and leases to deposits | 102.0587% | 431 |
| Net loans and leases to core deposits | 110.2034% | 959 |
| Total domestic deposits to total assets | 75.0000% | 4,029 |
| Equity capital to assets | 12.4735% | 995 |
| Core capital (leverage) ratio | 12.5784% | 1,189 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $323,987,000 | 2,298 |
| Average earning assets | $308,885,000 | 2,253 |
| Average equity | $40,205,600 | 1,882 |
| Average total loans | $246,801,400 | 2,017 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9408% | 3,936 |
| Cost of funding earning assets | 1.4999% | 1,605 |
| Net interest margin | 2.4409% | 4,193 |
| Noninterest income to average assets | 0.1500% | 4,067 |
| Noninterest expense to average assets | 2.0159% | 3,553 |
| Loan and lease loss provision to assets | -0.0100% | 4,305 |
| Net operating income to assets | 0.3761% | 4,002 |
| Return on assets (ROA) | 0.3761% | 4,006 |
| Pretax return on assets | 0.4652% | 3,966 |
| Return on Equity (ROE) | 3.0300% | 4,097 |
| Retained earnings to average equity (ytd only) | 3.0349% | 3,498 |
| Net charge-offs to loans | 0.0119% | 1,958 |
| Credit loss provision to net charge-offs | 22.7273% | 2,001 |
| Earnings coverage of net charge-offs (x) | 50.5909% | 1,309 |
| Efficiency ratio | 81.4531% | 764 |
| Assets per employee ($millions) | 7.0225% | 1,945 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7803% | 4,018 |
| Loan loss allowance to noncurrent loans | 114.0012% | 3,089 |
| Noncurrent assets plus other real estate owned to assets | 0.5284% | 1,105 |
| Noncurrent loans to loans | 0.6845% | 1,207 |
| Net loans and leases to total assets | 76.6000% | 1,047 |
| Net loans and leases to deposits | 99.5246% | 541 |
| Net loans and leases to core deposits | 108.8281% | 917 |
| Total domestic deposits to total assets | 76.9700% | 3,927 |
| Equity capital to assets | 12.5311% | 911 |
| Core capital (leverage) ratio | 12.5732% | 1,210 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $323,280,750 | 2,298 |
| Average earning assets | $308,187,500 | 2,255 |
| Average equity | $40,065,750 | 1,866 |
| Average total loans | $245,477,500 | 2,025 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8659% | 3,931 |
| Cost of funding earning assets | 1.3979% | 1,453 |
| Net interest margin | 2.4680% | 4,240 |
| Noninterest income to average assets | 0.1500% | 4,060 |
| Noninterest expense to average assets | 2.0046% | 3,585 |
| Loan and lease loss provision to assets | -0.0200% | 4,411 |
| Net operating income to assets | 0.4132% | 3,983 |
| Return on assets (ROA) | 0.4132% | 3,987 |
| Pretax return on assets | 0.5127% | 3,943 |
| Return on Equity (ROE) | 3.3500% | 4,114 |
| Retained earnings to average equity (ytd only) | 3.3461% | 3,392 |
| Net charge-offs to loans | 0.0180% | 1,549 |
| Credit loss provision to net charge-offs | -113.6364% | 4,548 |
| Earnings coverage of net charge-offs (x) | 36.3182% | 1,459 |
| Efficiency ratio | 80.2228% | 827 |
| Assets per employee ($millions) | 7.5336% | 1,587 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7736% | 4,068 |
| Loan loss allowance to noncurrent loans | 141.2979% | 2,974 |
| Noncurrent assets plus other real estate owned to assets | 0.4186% | 1,277 |
| Noncurrent loans to loans | 0.5475% | 1,363 |
| Net loans and leases to total assets | 75.8700% | 1,067 |
| Net loans and leases to deposits | 97.0552% | 667 |
| Net loans and leases to core deposits | 105.8072% | 993 |
| Total domestic deposits to total assets | 78.1700% | 3,831 |
| Equity capital to assets | 12.4207% | 946 |
| Core capital (leverage) ratio | 12.4456% | 1,186 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $323,362,000 | 2,309 |
| Average earning assets | $308,179,000 | 2,266 |
| Average equity | $39,927,667 | 1,883 |
| Average total loans | $244,171,333 | 2,029 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7549% | 3,936 |
| Cost of funding earning assets | 1.2334% | 1,373 |
| Net interest margin | 2.5214% | 4,287 |
| Noninterest income to average assets | 0.1400% | 4,146 |
| Noninterest expense to average assets | 1.9958% | 3,635 |
| Loan and lease loss provision to assets | 0.0600% | 1,589 |
| Net operating income to assets | 0.3925% | 4,099 |
| Return on assets (ROA) | 0.3925% | 4,048 |
| Pretax return on assets | 0.4866% | 4,007 |
| Return on Equity (ROE) | 3.1900% | 4,162 |
| Retained earnings to average equity (ytd only) | 3.1881% | 3,463 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 78.4428% | 960 |
| Assets per employee ($millions) | 7.1365% | 1,866 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8223% | 4,049 |
| Loan loss allowance to noncurrent loans | 691.7241% | 1,298 |
| Noncurrent assets plus other real estate owned to assets | 0.0883% | 2,929 |
| Noncurrent loans to loans | 0.1189% | 2,922 |
| Net loans and leases to total assets | 73.7000% | 1,239 |
| Net loans and leases to deposits | 94.4158% | 768 |
| Net loans and leases to core deposits | 102.8898% | 970 |
| Total domestic deposits to total assets | 78.0600% | 4,004 |
| Equity capital to assets | 12.1493% | 954 |
| Core capital (leverage) ratio | 12.4722% | 1,143 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $323,071,500 | 2,346 |
| Average earning assets | $307,759,500 | 2,298 |
| Average equity | $39,773,500 | 1,911 |
| Average total loans | $242,413,500 | 2,055 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3751% | 3,411 |
| Cost of funding earning assets | 0.5456% | 1,130 |
| Net interest margin | 2.8294% | 3,831 |
| Noninterest income to average assets | 0.1500% | 4,220 |
| Noninterest expense to average assets | 2.0072% | 3,562 |
| Loan and lease loss provision to assets | 0.1000% | 1,238 |
| Net operating income to assets | 0.5961% | 3,894 |
| Return on assets (ROA) | 0.5961% | 3,853 |
| Pretax return on assets | 0.7379% | 3,772 |
| Return on Equity (ROE) | 4.6900% | 4,064 |
| Retained earnings to average equity (ytd only) | 4.6923% | 3,174 |
| Net charge-offs to loans | -0.0062% | 3,672 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 70.5876% | 1,610 |
| Assets per employee ($millions) | 6.9100% | 2,038 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7950% | 4,041 |
| Loan loss allowance to noncurrent loans | 376.2279% | 1,912 |
| Noncurrent assets plus other real estate owned to assets | 0.1601% | 2,414 |
| Noncurrent loans to loans | 0.2113% | 2,431 |
| Net loans and leases to total assets | 75.1800% | 1,108 |
| Net loans and leases to deposits | 95.8695% | 651 |
| Net loans and leases to core deposits | 101.6314% | 913 |
| Total domestic deposits to total assets | 78.4200% | 4,057 |
| Equity capital to assets | 12.4781% | 810 |
| Core capital (leverage) ratio | 12.7930% | 1,000 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $304,651,600 | 2,425 |
| Average earning assets | $289,563,400 | 2,388 |
| Average equity | $38,702,000 | 1,966 |
| Average total loans | $227,114,600 | 2,070 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2850% | 3,219 |
| Cost of funding earning assets | 0.4589% | 945 |
| Net interest margin | 2.8261% | 3,674 |
| Noninterest income to average assets | 0.1500% | 4,253 |
| Noninterest expense to average assets | 2.0091% | 3,461 |
| Loan and lease loss provision to assets | 0.1000% | 1,069 |
| Net operating income to assets | 0.5871% | 3,862 |
| Return on assets (ROA) | 0.5871% | 3,823 |
| Pretax return on assets | 0.7327% | 3,730 |
| Return on Equity (ROE) | 4.6000% | 4,059 |
| Retained earnings to average equity (ytd only) | 4.6001% | 3,243 |
| Net charge-offs to loans | 0.0262% | 1,297 |
| Credit loss provision to net charge-offs | 511.3636% | 600 |
| Earnings coverage of net charge-offs (x) | 42.7500% | 1,361 |
| Efficiency ratio | 70.7101% | 1,683 |
| Assets per employee ($millions) | 6.6280% | 2,220 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7636% | 4,155 |
| Loan loss allowance to noncurrent loans | 590.0662% | 1,409 |
| Noncurrent assets plus other real estate owned to assets | 0.0969% | 2,977 |
| Noncurrent loans to loans | 0.1294% | 2,988 |
| Net loans and leases to total assets | 74.3400% | 1,068 |
| Net loans and leases to deposits | 91.4849% | 795 |
| Net loans and leases to core deposits | 94.1328% | 1,085 |
| Total domestic deposits to total assets | 81.2600% | 3,941 |
| Equity capital to assets | 12.5752% | 756 |
| Core capital (leverage) ratio | 13.0596% | 889 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $301,349,000 | 2,463 |
| Average earning assets | $286,464,750 | 2,424 |
| Average equity | $38,461,750 | 2,004 |
| Average total loans | $223,671,500 | 2,088 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2223% | 2,980 |
| Cost of funding earning assets | 0.4491% | 695 |
| Net interest margin | 2.7732% | 3,518 |
| Noninterest income to average assets | 0.1510% | 4,258 |
| Noninterest expense to average assets | 2.0358% | 3,335 |
| Loan and lease loss provision to assets | 0.1007% | 993 |
| Net operating income to assets | 0.5215% | 3,842 |
| Return on assets (ROA) | 0.5215% | 3,793 |
| Pretax return on assets | 0.6504% | 3,715 |
| Return on Equity (ROE) | 4.0655% | 4,019 |
| Retained earnings to average equity (ytd only) | 4.0655% | 3,056 |
| Net charge-offs to loans | 0.0381% | 1,002 |
| Credit loss provision to net charge-offs | 357.1429% | 740 |
| Earnings coverage of net charge-offs (x) | 26.6429% | 1,442 |
| Efficiency ratio | 73.0491% | 1,618 |
| Assets per employee ($millions) | 6.5516% | 2,276 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7556% | 4,250 |
| Loan loss allowance to noncurrent loans | 743.0435% | 1,157 |
| Noncurrent assets plus other real estate owned to assets | 0.0763% | 3,213 |
| Noncurrent loans to loans | 0.1017% | 3,246 |
| Net loans and leases to total assets | 74.4821% | 866 |
| Net loans and leases to deposits | 87.7772% | 847 |
| Net loans and leases to core deposits | 90.1804% | 1,110 |
| Total domestic deposits to total assets | 84.8537% | 3,514 |
| Equity capital to assets | 12.8160% | 697 |
| Core capital (leverage) ratio | 13.1029% | 795 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $297,959,667 | 2,491 |
| Average earning assets | $283,215,667 | 2,470 |
| Average equity | $38,224,333 | 2,073 |
| Average total loans | $220,436,667 | 2,107 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1891% | 2,717 |
| Cost of funding earning assets | 0.4505% | 656 |
| Net interest margin | 2.7386% | 3,316 |
| Noninterest income to average assets | 0.1539% | 4,230 |
| Noninterest expense to average assets | 2.0577% | 3,278 |
| Loan and lease loss provision to assets | 0.1013% | 819 |
| Net operating income to assets | 0.4793% | 3,763 |
| Return on assets (ROA) | 0.4793% | 3,731 |
| Pretax return on assets | 0.5968% | 3,643 |
| Return on Equity (ROE) | 3.7344% | 3,942 |
| Retained earnings to average equity (ytd only) | 3.7344% | 3,034 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6693% | 1,661 |
| Assets per employee ($millions) | 6.3611% | 2,489 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7615% | 4,299 |
| Loan loss allowance to noncurrent loans | 469.4678% | 1,555 |
| Noncurrent assets plus other real estate owned to assets | 0.1194% | 2,984 |
| Noncurrent loans to loans | 0.1622% | 2,994 |
| Net loans and leases to total assets | 73.0578% | 730 |
| Net loans and leases to deposits | 86.0589% | 733 |
| Net loans and leases to core deposits | 88.7385% | 980 |
| Total domestic deposits to total assets | 84.8928% | 3,565 |
| Equity capital to assets | 12.7779% | 744 |
| Core capital (leverage) ratio | 12.9011% | 798 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $296,253,000 | 2,515 |
| Average earning assets | $281,455,000 | 2,495 |
| Average equity | $38,024,500 | 2,128 |
| Average total loans | $217,566,000 | 2,113 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3173% | 3,156 |
| Cost of funding earning assets | 0.5905% | 569 |
| Net interest margin | 2.7268% | 3,824 |
| Noninterest income to average assets | 0.1614% | 4,344 |
| Noninterest expense to average assets | 2.0250% | 3,600 |
| Loan and lease loss provision to assets | 0.0844% | 1,451 |
| Net operating income to assets | 0.5078% | 4,070 |
| Return on assets (ROA) | 0.5078% | 4,118 |
| Pretax return on assets | 0.6354% | 4,056 |
| Return on Equity (ROE) | 3.8926% | 4,239 |
| Retained earnings to average equity (ytd only) | 3.8926% | 3,260 |
| Net charge-offs to loans | 0.1079% | 814 |
| Credit loss provision to net charge-offs | 108.1081% | 1,721 |
| Earnings coverage of net charge-offs (x) | 9.2207% | 2,269 |
| Efficiency ratio | 73.7766% | 1,330 |
| Assets per employee ($millions) | 6.2454% | 2,532 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7445% | 4,360 |
| Loan loss allowance to noncurrent loans | 210.1050% | 2,516 |
| Noncurrent assets plus other real estate owned to assets | 0.2596% | 2,262 |
| Noncurrent loans to loans | 0.3544% | 2,314 |
| Net loans and leases to total assets | 72.7114% | 785 |
| Net loans and leases to deposits | 85.7781% | 804 |
| Net loans and leases to core deposits | 88.5067% | 1,043 |
| Total domestic deposits to total assets | 84.7668% | 3,339 |
| Equity capital to assets | 12.8935% | 933 |
| Core capital (leverage) ratio | 13.0620% | 780 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $284,390,400 | 2,511 |
| Average earning assets | $269,437,000 | 2,492 |
| Average equity | $37,096,000 | 2,195 |
| Average total loans | $205,651,400 | 2,201 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3431% | 3,270 |
| Cost of funding earning assets | 0.6224% | 569 |
| Net interest margin | 2.7207% | 3,932 |
| Noninterest income to average assets | 0.1621% | 4,387 |
| Noninterest expense to average assets | 2.0517% | 3,515 |
| Loan and lease loss provision to assets | 0.0851% | 1,407 |
| Net operating income to assets | 0.4840% | 4,238 |
| Return on assets (ROA) | 0.4840% | 4,282 |
| Pretax return on assets | 0.6017% | 4,230 |
| Return on Equity (ROE) | 3.6992% | 4,349 |
| Retained earnings to average equity (ytd only) | 3.6992% | 3,678 |
| Net charge-offs to loans | 0.0610% | 1,029 |
| Credit loss provision to net charge-offs | 193.5484% | 1,223 |
| Earnings coverage of net charge-offs (x) | 15.6237% | 1,859 |
| Efficiency ratio | 74.9223% | 1,134 |
| Assets per employee ($millions) | 6.0069% | 2,691 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7913% | 4,362 |
| Loan loss allowance to noncurrent loans | 381.2785% | 1,663 |
| Noncurrent assets plus other real estate owned to assets | 0.1519% | 3,096 |
| Noncurrent loans to loans | 0.2075% | 3,120 |
| Net loans and leases to total assets | 72.6206% | 812 |
| Net loans and leases to deposits | 85.9179% | 828 |
| Net loans and leases to core deposits | 88.9173% | 1,101 |
| Total domestic deposits to total assets | 84.5233% | 3,289 |
| Equity capital to assets | 12.9806% | 986 |
| Core capital (leverage) ratio | 13.0795% | 824 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $282,104,000 | 2,548 |
| Average earning assets | $267,133,250 | 2,525 |
| Average equity | $36,908,250 | 2,238 |
| Average total loans | $203,305,500 | 2,251 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3703% | 3,266 |
| Cost of funding earning assets | 0.6582% | 541 |
| Net interest margin | 2.7121% | 3,954 |
| Noninterest income to average assets | 0.1636% | 4,380 |
| Noninterest expense to average assets | 2.0384% | 3,583 |
| Loan and lease loss provision to assets | 0.0857% | 1,434 |
| Net operating income to assets | 0.4871% | 4,245 |
| Return on assets (ROA) | 0.4871% | 4,285 |
| Pretax return on assets | 0.6057% | 4,226 |
| Return on Equity (ROE) | 3.7130% | 4,377 |
| Retained earnings to average equity (ytd only) | 3.7130% | 3,616 |
| Net charge-offs to loans | 0.0249% | 1,446 |
| Credit loss provision to net charge-offs | 480.0000% | 692 |
| Earnings coverage of net charge-offs (x) | 38.7200% | 1,185 |
| Efficiency ratio | 74.6729% | 1,188 |
| Assets per employee ($millions) | 6.7296% | 2,000 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8289% | 4,324 |
| Loan loss allowance to noncurrent loans | 237.0056% | 2,211 |
| Noncurrent assets plus other real estate owned to assets | 0.2505% | 2,674 |
| Noncurrent loans to loans | 0.3497% | 2,652 |
| Net loans and leases to total assets | 71.0330% | 1,080 |
| Net loans and leases to deposits | 84.1636% | 1,055 |
| Net loans and leases to core deposits | 87.1707% | 1,333 |
| Total domestic deposits to total assets | 84.3986% | 3,315 |
| Equity capital to assets | 13.1208% | 909 |
| Core capital (leverage) ratio | 13.1191% | 775 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $280,028,667 | 2,553 |
| Average earning assets | $264,963,000 | 2,537 |
| Average equity | $36,735,333 | 2,236 |
| Average total loans | $200,721,667 | 2,273 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3770% | 3,265 |
| Cost of funding earning assets | 0.7039% | 540 |
| Net interest margin | 2.6730% | 4,020 |
| Noninterest income to average assets | 0.1593% | 4,403 |
| Noninterest expense to average assets | 2.0422% | 3,582 |
| Loan and lease loss provision to assets | 0.0861% | 1,526 |
| Net operating income to assets | 0.4521% | 4,270 |
| Return on assets (ROA) | 0.4521% | 4,306 |
| Pretax return on assets | 0.5597% | 4,256 |
| Return on Equity (ROE) | 3.4463% | 4,388 |
| Retained earnings to average equity (ytd only) | 3.4463% | 3,648 |
| Net charge-offs to loans | 0.0821% | 781 |
| Credit loss provision to net charge-offs | 146.3415% | 990 |
| Earnings coverage of net charge-offs (x) | 10.9756% | 1,475 |
| Efficiency ratio | 75.9744% | 1,143 |
| Assets per employee ($millions) | 6.9280% | 1,845 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7960% | 4,418 |
| Loan loss allowance to noncurrent loans | 236.9822% | 2,093 |
| Noncurrent assets plus other real estate owned to assets | 0.2380% | 2,950 |
| Noncurrent loans to loans | 0.3359% | 2,889 |
| Net loans and leases to total assets | 70.2925% | 1,249 |
| Net loans and leases to deposits | 83.7681% | 1,171 |
| Net loans and leases to core deposits | 86.9806% | 1,456 |
| Total domestic deposits to total assets | 83.9132% | 3,465 |
| Equity capital to assets | 12.9268% | 933 |
| Core capital (leverage) ratio | 13.2785% | 787 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $278,722,000 | 2,550 |
| Average earning assets | $263,669,500 | 2,531 |
| Average equity | $36,560,500 | 2,230 |
| Average total loans | $199,859,000 | 2,287 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7568% | 3,423 |
| Cost of funding earning assets | 1.0260% | 538 |
| Net interest margin | 2.7308% | 4,344 |
| Noninterest income to average assets | 0.1890% | 4,340 |
| Noninterest expense to average assets | 2.1304% | 3,868 |
| Loan and lease loss provision to assets | 0.0694% | 3,511 |
| Net operating income to assets | 0.4514% | 4,137 |
| Return on assets (ROA) | 0.4514% | 4,217 |
| Pretax return on assets | 0.5613% | 4,161 |
| Return on Equity (ROE) | 3.2680% | 4,310 |
| Retained earnings to average equity (ytd only) | 3.2680% | 3,195 |
| Net charge-offs to loans | 0.1024% | 1,445 |
| Credit loss provision to net charge-offs | 92.3077% | 2,913 |
| Earnings coverage of net charge-offs (x) | 8.3846% | 2,606 |
| Efficiency ratio | 77.1552% | 1,105 |
| Assets per employee ($millions) | 6.8350% | 1,685 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7977% | 4,432 |
| Loan loss allowance to noncurrent loans | 198.6198% | 2,353 |
| Noncurrent assets plus other real estate owned to assets | 0.2915% | 2,829 |
| Noncurrent loans to loans | 0.4016% | 2,770 |
| Net loans and leases to total assets | 72.0086% | 1,284 |
| Net loans and leases to deposits | 86.2742% | 1,232 |
| Net loans and leases to core deposits | 90.2920% | 1,501 |
| Total domestic deposits to total assets | 83.4648% | 3,274 |
| Equity capital to assets | 13.3150% | 994 |
| Core capital (leverage) ratio | 13.5612% | 768 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $259,198,600 | 2,518 |
| Average earning assets | $244,145,200 | 2,499 |
| Average equity | $35,801,200 | 2,187 |
| Average total loans | $190,512,000 | 2,321 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8263% | 3,487 |
| Cost of funding earning assets | 1.0811% | 572 |
| Net interest margin | 2.7452% | 4,404 |
| Noninterest income to average assets | 0.2013% | 4,266 |
| Noninterest expense to average assets | 2.1555% | 3,797 |
| Loan and lease loss provision to assets | 0.0704% | 3,448 |
| Net operating income to assets | 0.4506% | 4,165 |
| Return on assets (ROA) | 0.4506% | 4,234 |
| Pretax return on assets | 0.5591% | 4,176 |
| Return on Equity (ROE) | 3.2313% | 4,346 |
| Retained earnings to average equity (ytd only) | 3.2313% | 3,426 |
| Net charge-offs to loans | 0.0269% | 2,296 |
| Credit loss provision to net charge-offs | 355.2632% | 1,595 |
| Earnings coverage of net charge-offs (x) | 31.7632% | 1,530 |
| Efficiency ratio | 77.3970% | 1,097 |
| Assets per employee ($millions) | 6.1524% | 2,137 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8762% | 4,142 |
| Loan loss allowance to noncurrent loans | 253.7425% | 1,845 |
| Noncurrent assets plus other real estate owned to assets | 0.2525% | 3,172 |
| Noncurrent loans to loans | 0.3453% | 3,048 |
| Net loans and leases to total assets | 72.4817% | 1,592 |
| Net loans and leases to deposits | 87.4080% | 1,549 |
| Net loans and leases to core deposits | 91.5272% | 1,839 |
| Total domestic deposits to total assets | 82.9234% | 3,163 |
| Equity capital to assets | 13.6444% | 958 |
| Core capital (leverage) ratio | 13.7043% | 781 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $255,648,750 | 2,526 |
| Average earning assets | $240,611,750 | 2,511 |
| Average equity | $35,650,750 | 2,180 |
| Average total loans | $188,526,750 | 2,339 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8918% | 3,645 |
| Cost of funding earning assets | 1.1200% | 670 |
| Net interest margin | 2.7718% | 4,485 |
| Noninterest income to average assets | 0.1828% | 4,367 |
| Noninterest expense to average assets | 2.1830% | 3,845 |
| Loan and lease loss provision to assets | 0.0712% | 3,406 |
| Net operating income to assets | 0.4322% | 4,164 |
| Return on assets (ROA) | 0.4322% | 4,229 |
| Pretax return on assets | 0.5359% | 4,186 |
| Return on Equity (ROE) | 3.0759% | 4,334 |
| Retained earnings to average equity (ytd only) | 3.0759% | 3,354 |
| Net charge-offs to loans | 0.0407% | 1,930 |
| Credit loss provision to net charge-offs | 236.8421% | 1,786 |
| Earnings coverage of net charge-offs (x) | 20.1842% | 1,695 |
| Efficiency ratio | 78.2411% | 1,031 |
| Assets per employee ($millions) | 6.0793% | 2,113 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8652% | 4,137 |
| Loan loss allowance to noncurrent loans | 183.1299% | 2,286 |
| Noncurrent assets plus other real estate owned to assets | 0.3982% | 2,699 |
| Noncurrent loans to loans | 0.4725% | 2,732 |
| Net loans and leases to total assets | 72.3211% | 1,648 |
| Net loans and leases to deposits | 87.2839% | 1,630 |
| Net loans and leases to core deposits | 91.2692% | 1,959 |
| Total domestic deposits to total assets | 82.8573% | 3,124 |
| Equity capital to assets | 13.6868% | 934 |
| Core capital (leverage) ratio | 13.9130% | 774 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $252,680,000 | 2,528 |
| Average earning assets | $237,680,000 | 2,503 |
| Average equity | $35,502,000 | 2,183 |
| Average total loans | $186,886,000 | 2,334 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0183% | 3,740 |
| Cost of funding earning assets | 1.1824% | 820 |
| Net interest margin | 2.8360% | 4,527 |
| Noninterest income to average assets | 0.1724% | 4,507 |
| Noninterest expense to average assets | 2.2439% | 3,903 |
| Loan and lease loss provision to assets | 0.0725% | 2,827 |
| Net operating income to assets | 0.4204% | 4,089 |
| Return on assets (ROA) | 0.4204% | 4,128 |
| Pretax return on assets | 0.5219% | 4,084 |
| Return on Equity (ROE) | 2.9522% | 4,229 |
| Retained earnings to average equity (ytd only) | 2.9522% | 3,103 |
| Net charge-offs to loans | 0.0346% | 1,720 |
| Credit loss provision to net charge-offs | 281.2500% | 1,223 |
| Earnings coverage of net charge-offs (x) | 23.0625% | 1,338 |
| Efficiency ratio | 79.0579% | 1,231 |
| Assets per employee ($millions) | 5.9635% | 1,713 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8735% | 4,211 |
| Loan loss allowance to noncurrent loans | 120.9665% | 2,941 |
| Noncurrent assets plus other real estate owned to assets | 0.6488% | 2,053 |
| Noncurrent loans to loans | 0.7221% | 2,191 |
| Net loans and leases to total assets | 73.7152% | 1,658 |
| Net loans and leases to deposits | 89.5729% | 1,558 |
| Net loans and leases to core deposits | 93.8834% | 1,990 |
| Total domestic deposits to total assets | 82.2963% | 3,333 |
| Equity capital to assets | 14.1711% | 1,011 |
| Core capital (leverage) ratio | 14.3125% | 833 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $248,314,000 | 2,505 |
| Average earning assets | $233,430,500 | 2,479 |
| Average equity | $35,363,500 | 2,180 |
| Average total loans | $184,976,000 | 2,308 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1143% | 4,012 |
| Cost of funding earning assets | 1.1502% | 1,159 |
| Net interest margin | 2.9641% | 4,557 |
| Noninterest income to average assets | 0.1931% | 4,506 |
| Noninterest expense to average assets | 2.1328% | 4,305 |
| Loan and lease loss provision to assets | 0.0743% | 2,509 |
| Net operating income to assets | 0.6203% | 4,100 |
| Return on assets (ROA) | 0.6203% | 4,163 |
| Pretax return on assets | 0.7746% | 4,034 |
| Return on Equity (ROE) | 4.3581% | 4,385 |
| Retained earnings to average equity (ytd only) | 4.3581% | 2,786 |
| Net charge-offs to loans | 0.1181% | 1,567 |
| Credit loss provision to net charge-offs | 84.9057% | 2,732 |
| Earnings coverage of net charge-offs (x) | 9.7028% | 2,636 |
| Efficiency ratio | 71.5294% | 1,940 |
| Assets per employee ($millions) | 5.8610% | 1,745 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8699% | 4,084 |
| Loan loss allowance to noncurrent loans | 146.3370% | 2,632 |
| Noncurrent assets plus other real estate owned to assets | 0.5574% | 2,219 |
| Noncurrent loans to loans | 0.5945% | 2,402 |
| Net loans and leases to total assets | 73.9738% | 1,759 |
| Net loans and leases to deposits | 90.0622% | 1,585 |
| Net loans and leases to core deposits | 95.1379% | 1,976 |
| Total domestic deposits to total assets | 82.1364% | 3,475 |
| Equity capital to assets | 14.3130% | 993 |
| Core capital (leverage) ratio | 14.4164% | 822 |
| Tier 1 risk-based capital ratio | 24.7329% | 771 |
| Total risk-based capital ratio | 25.8547% | 761 |
| Memoranda: | ||
| Average total assets | $242,305,800 | 2,512 |
| Average earning assets | $227,959,800 | 2,477 |
| Average equity | $34,487,400 | 2,168 |
| Average total loans | $179,435,200 | 2,323 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1113% | 4,127 |
| Cost of funding earning assets | 1.1250% | 1,260 |
| Net interest margin | 2.9863% | 4,638 |
| Noninterest income to average assets | 0.1994% | 4,521 |
| Noninterest expense to average assets | 2.1496% | 4,274 |
| Loan and lease loss provision to assets | 0.0746% | 2,400 |
| Net operating income to assets | 0.6292% | 4,218 |
| Return on assets (ROA) | 0.6292% | 4,265 |
| Pretax return on assets | 0.7850% | 4,153 |
| Return on Equity (ROE) | 4.4274% | 4,496 |
| Retained earnings to average equity (ytd only) | 4.4274% | 3,178 |
| Net charge-offs to loans | 0.0605% | 1,950 |
| Credit loss provision to net charge-offs | 166.6667% | 1,505 |
| Earnings coverage of net charge-offs (x) | 19.2094% | 2,012 |
| Efficiency ratio | 71.4338% | 1,905 |
| Assets per employee ($millions) | 5.6585% | 1,879 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9210% | 3,962 |
| Loan loss allowance to noncurrent loans | 116.5398% | 3,063 |
| Noncurrent assets plus other real estate owned to assets | 0.6124% | 2,165 |
| Noncurrent loans to loans | 0.7903% | 1,998 |
| Net loans and leases to total assets | 74.4574% | 1,720 |
| Net loans and leases to deposits | 90.8446% | 1,586 |
| Net loans and leases to core deposits | 95.3264% | 2,050 |
| Total domestic deposits to total assets | 81.9612% | 3,485 |
| Equity capital to assets | 14.3308% | 1,031 |
| Core capital (leverage) ratio | 14.5835% | 839 |
| Tier 1 risk-based capital ratio | 24.6612% | 792 |
| Total risk-based capital ratio | 25.8522% | 782 |
| Memoranda: | ||
| Average total assets | $241,342,250 | 2,537 |
| Average earning assets | $227,075,500 | 2,511 |
| Average equity | $34,301,000 | 2,190 |
| Average total loans | $178,371,000 | 2,362 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0986% | 4,164 |
| Cost of funding earning assets | 1.1042% | 1,283 |
| Net interest margin | 2.9945% | 4,705 |
| Noninterest income to average assets | 0.2077% | 4,502 |
| Noninterest expense to average assets | 2.1730% | 4,291 |
| Loan and lease loss provision to assets | 0.0748% | 2,320 |
| Net operating income to assets | 0.6224% | 4,243 |
| Return on assets (ROA) | 0.6224% | 4,286 |
| Pretax return on assets | 0.7770% | 4,147 |
| Return on Equity (ROE) | 4.3915% | 4,494 |
| Retained earnings to average equity (ytd only) | 4.3915% | 3,069 |
| Net charge-offs to loans | 0.0531% | 1,885 |
| Credit loss provision to net charge-offs | 191.4894% | 1,258 |
| Earnings coverage of net charge-offs (x) | 21.8085% | 1,719 |
| Efficiency ratio | 71.8407% | 1,945 |
| Assets per employee ($millions) | 5.8716% | 1,641 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9371% | 3,932 |
| Loan loss allowance to noncurrent loans | 177.9787% | 2,337 |
| Noncurrent assets plus other real estate owned to assets | 0.4175% | 2,841 |
| Noncurrent loans to loans | 0.5265% | 2,700 |
| Net loans and leases to total assets | 73.4635% | 1,972 |
| Net loans and leases to deposits | 89.1401% | 1,839 |
| Net loans and leases to core deposits | 92.9954% | 2,327 |
| Total domestic deposits to total assets | 82.4135% | 3,398 |
| Equity capital to assets | 14.3227% | 1,005 |
| Core capital (leverage) ratio | 14.3824% | 857 |
| Tier 1 risk-based capital ratio | 24.6105% | 795 |
| Total risk-based capital ratio | 25.8046% | 775 |
| Memoranda: | ||
| Average total assets | $240,684,670 | 2,547 |
| Average earning assets | $226,417,670 | 2,530 |
| Average equity | $34,111,670 | 2,189 |
| Average total loans | $176,878,000 | 2,382 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0928% | 4,144 |
| Cost of funding earning assets | 1.0811% | 1,249 |
| Net interest margin | 3.0117% | 4,735 |
| Noninterest income to average assets | 0.2277% | 4,378 |
| Noninterest expense to average assets | 2.1674% | 4,338 |
| Loan and lease loss provision to assets | 0.0748% | 2,183 |
| Net operating income to assets | 0.6565% | 4,070 |
| Return on assets (ROA) | 0.6565% | 4,107 |
| Pretax return on assets | 0.8194% | 3,995 |
| Return on Equity (ROE) | 4.6570% | 4,422 |
| Retained earnings to average equity (ytd only) | 4.6570% | 3,058 |
| Net charge-offs to loans | 0.0750% | 1,319 |
| Credit loss provision to net charge-offs | 136.3636% | 1,315 |
| Earnings coverage of net charge-offs (x) | 16.3030% | 1,700 |
| Efficiency ratio | 70.7926% | 2,223 |
| Assets per employee ($millions) | 5.8620% | 1,655 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9320% | 4,029 |
| Loan loss allowance to noncurrent loans | 277.8342% | 1,674 |
| Noncurrent assets plus other real estate owned to assets | 0.2646% | 3,562 |
| Noncurrent loans to loans | 0.3354% | 3,374 |
| Net loans and leases to total assets | 72.6234% | 2,057 |
| Net loans and leases to deposits | 87.0836% | 1,990 |
| Net loans and leases to core deposits | 90.5425% | 2,440 |
| Total domestic deposits to total assets | 83.3951% | 3,257 |
| Equity capital to assets | 14.1984% | 973 |
| Core capital (leverage) ratio | 14.1851% | 902 |
| Tier 1 risk-based capital ratio | 24.8101% | 770 |
| Total risk-based capital ratio | 26.0039% | 767 |
| Memoranda: | ||
| Average total assets | $240,659,000 | 2,577 |
| Average earning assets | $226,446,500 | 2,544 |
| Average equity | $33,927,500 | 2,191 |
| Average total loans | $176,054,000 | 2,410 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9953% | 4,044 |
| Cost of funding earning assets | 0.9017% | 1,087 |
| Net interest margin | 3.0935% | 4,662 |
| Noninterest income to average assets | 0.1876% | 4,784 |
| Noninterest expense to average assets | 2.0332% | 4,689 |
| Loan and lease loss provision to assets | 0.0998% | 2,187 |
| Net operating income to assets | 0.7730% | 3,903 |
| Return on assets (ROA) | 0.7730% | 3,905 |
| Pretax return on assets | 0.9677% | 3,704 |
| Return on Equity (ROE) | 5.6617% | 4,272 |
| Retained earnings to average equity (ytd only) | 5.6617% | 2,377 |
| Net charge-offs to loans | 0.1160% | 1,591 |
| Credit loss provision to net charge-offs | 118.8119% | 2,188 |
| Earnings coverage of net charge-offs (x) | 12.7030% | 2,511 |
| Efficiency ratio | 65.5709% | 2,937 |
| Assets per employee ($millions) | 6.0244% | 1,502 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9266% | 4,060 |
| Loan loss allowance to noncurrent loans | 139.9142% | 2,839 |
| Noncurrent assets plus other real estate owned to assets | 0.5208% | 2,509 |
| Noncurrent loans to loans | 0.6622% | 2,340 |
| Net loans and leases to total assets | 72.3273% | 2,203 |
| Net loans and leases to deposits | 86.8865% | 2,169 |
| Net loans and leases to core deposits | 90.0835% | 2,570 |
| Total domestic deposits to total assets | 83.2434% | 3,249 |
| Equity capital to assets | 13.9974% | 970 |
| Core capital (leverage) ratio | 13.9961% | 924 |
| Tier 1 risk-based capital ratio | 24.2202% | 810 |
| Total risk-based capital ratio | 25.3906% | 793 |
| Memoranda: | ||
| Average total assets | $240,364,200 | 2,546 |
| Average earning assets | $226,342,200 | 2,511 |
| Average equity | $32,817,000 | 2,163 |
| Average total loans | $174,113,600 | 2,392 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9779% | 3,993 |
| Cost of funding earning assets | 0.8574% | 1,084 |
| Net interest margin | 3.1204% | 4,671 |
| Noninterest income to average assets | 0.1843% | 4,867 |
| Noninterest expense to average assets | 2.0454% | 4,654 |
| Loan and lease loss provision to assets | 0.0999% | 2,002 |
| Net operating income to assets | 0.7821% | 3,964 |
| Return on assets (ROA) | 0.7821% | 3,977 |
| Pretax return on assets | 0.9780% | 3,786 |
| Return on Equity (ROE) | 5.7646% | 4,337 |
| Retained earnings to average equity (ytd only) | 5.7646% | 2,782 |
| Net charge-offs to loans | 0.1405% | 1,160 |
| Credit loss provision to net charge-offs | 98.3607% | 2,315 |
| Earnings coverage of net charge-offs (x) | 10.6122% | 2,572 |
| Efficiency ratio | 65.4878% | 2,963 |
| Assets per employee ($millions) | 6.1713% | 1,369 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9096% | 4,228 |
| Loan loss allowance to noncurrent loans | 207.4413% | 2,184 |
| Noncurrent assets plus other real estate owned to assets | 0.3619% | 3,222 |
| Noncurrent loans to loans | 0.4385% | 3,084 |
| Net loans and leases to total assets | 71.9244% | 2,339 |
| Net loans and leases to deposits | 86.3481% | 2,336 |
| Net loans and leases to core deposits | 89.4412% | 2,708 |
| Total domestic deposits to total assets | 83.2958% | 3,199 |
| Equity capital to assets | 13.8278% | 1,015 |
| Core capital (leverage) ratio | 13.8539% | 977 |
| Tier 1 risk-based capital ratio | 24.1561% | 830 |
| Total risk-based capital ratio | 25.3094% | 819 |
| Memoranda: | ||
| Average total assets | $240,211,750 | 2,555 |
| Average earning assets | $226,247,000 | 2,527 |
| Average equity | $32,588,750 | 2,185 |
| Average total loans | $173,662,000 | 2,406 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9514% | 3,922 |
| Cost of funding earning assets | 0.8119% | 1,077 |
| Net interest margin | 3.1395% | 4,644 |
| Noninterest income to average assets | 0.1858% | 4,898 |
| Noninterest expense to average assets | 2.0512% | 4,701 |
| Loan and lease loss provision to assets | 0.1000% | 1,948 |
| Net operating income to assets | 0.7940% | 3,876 |
| Return on assets (ROA) | 0.7940% | 3,876 |
| Pretax return on assets | 0.9923% | 3,687 |
| Return on Equity (ROE) | 5.8904% | 4,275 |
| Retained earnings to average equity (ytd only) | 5.8904% | 2,611 |
| Net charge-offs to loans | 0.1512% | 1,021 |
| Credit loss provision to net charge-offs | 91.6031% | 2,143 |
| Earnings coverage of net charge-offs (x) | 10.0076% | 2,359 |
| Efficiency ratio | 65.2531% | 3,108 |
| Assets per employee ($millions) | 6.3276% | 1,256 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9039% | 4,320 |
| Loan loss allowance to noncurrent loans | 186.2191% | 2,377 |
| Noncurrent assets plus other real estate owned to assets | 0.3656% | 3,273 |
| Noncurrent loans to loans | 0.4854% | 2,980 |
| Net loans and leases to total assets | 72.0834% | 2,259 |
| Net loans and leases to deposits | 86.2922% | 2,281 |
| Net loans and leases to core deposits | 88.9904% | 2,649 |
| Total domestic deposits to total assets | 83.5341% | 3,242 |
| Equity capital to assets | 13.6516% | 1,052 |
| Core capital (leverage) ratio | 13.6680% | 1,002 |
| Tier 1 risk-based capital ratio | 23.8180% | 852 |
| Total risk-based capital ratio | 24.9652% | 833 |
| Memoranda: | ||
| Average total assets | $240,055,000 | 2,560 |
| Average earning assets | $226,148,670 | 2,542 |
| Average equity | $32,358,000 | 2,204 |
| Average total loans | $173,316,670 | 2,416 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9432% | 3,806 |
| Cost of funding earning assets | 0.7734% | 1,086 |
| Net interest margin | 3.1698% | 4,556 |
| Noninterest income to average assets | 0.1784% | 4,957 |
| Noninterest expense to average assets | 2.0195% | 4,810 |
| Loan and lease loss provision to assets | 0.1001% | 1,854 |
| Net operating income to assets | 0.8422% | 3,541 |
| Return on assets (ROA) | 0.8422% | 3,558 |
| Pretax return on assets | 1.0456% | 3,374 |
| Return on Equity (ROE) | 6.2880% | 4,065 |
| Retained earnings to average equity (ytd only) | 6.2880% | 2,591 |
| Net charge-offs to loans | 0.1808% | 807 |
| Credit loss provision to net charge-offs | 76.9231% | 1,772 |
| Earnings coverage of net charge-offs (x) | 8.8077% | 2,009 |
| Efficiency ratio | 63.8040% | 3,508 |
| Assets per employee ($millions) | 6.6752% | 1,104 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9049% | 4,428 |
| Loan loss allowance to noncurrent loans | 181.5456% | 2,421 |
| Noncurrent assets plus other real estate owned to assets | 0.3608% | 3,392 |
| Noncurrent loans to loans | 0.4984% | 3,023 |
| Net loans and leases to total assets | 71.7303% | 2,220 |
| Net loans and leases to deposits | 85.2458% | 2,268 |
| Net loans and leases to core deposits | 88.2783% | 2,609 |
| Total domestic deposits to total assets | 84.1453% | 3,268 |
| Equity capital to assets | 13.4732% | 1,052 |
| Core capital (leverage) ratio | 13.5245% | 1,001 |
| Tier 1 risk-based capital ratio | 23.8073% | 853 |
| Total risk-based capital ratio | 24.9647% | 844 |
| Memoranda: | ||
| Average total assets | $239,858,500 | 2,585 |
| Average earning assets | $226,006,500 | 2,561 |
| Average equity | $32,124,500 | 2,234 |
| Average total loans | $172,523,000 | 2,442 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9046% | 3,711 |
| Cost of funding earning assets | 0.7591% | 791 |
| Net interest margin | 3.1455% | 4,590 |
| Noninterest income to average assets | 0.1910% | 5,000 |
| Noninterest expense to average assets | 1.9475% | 5,052 |
| Loan and lease loss provision to assets | 0.0998% | 2,228 |
| Net operating income to assets | 0.6682% | 3,737 |
| Return on assets (ROA) | 0.6682% | 3,785 |
| Pretax return on assets | 1.1087% | 3,153 |
| Return on Equity (ROE) | 5.1653% | 4,097 |
| Retained earnings to average equity (ytd only) | 5.1653% | 2,024 |
| Net charge-offs to loans | 0.0768% | 2,354 |
| Credit loss provision to net charge-offs | 184.6154% | 1,470 |
| Earnings coverage of net charge-offs (x) | 22.3462% | 1,855 |
| Efficiency ratio | 61.7058% | 3,982 |
| Assets per employee ($millions) | 6.4705% | 1,222 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9305% | 4,315 |
| Loan loss allowance to noncurrent loans | 97.7287% | 3,576 |
| Noncurrent assets plus other real estate owned to assets | 0.6804% | 2,279 |
| Noncurrent loans to loans | 0.9521% | 1,865 |
| Net loans and leases to total assets | 70.8020% | 2,395 |
| Net loans and leases to deposits | 84.3482% | 2,452 |
| Net loans and leases to core deposits | 87.0825% | 2,815 |
| Total domestic deposits to total assets | 83.9401% | 3,233 |
| Equity capital to assets | 13.3127% | 1,125 |
| Core capital (leverage) ratio | 13.3575% | 1,014 |
| Tier 1 risk-based capital ratio | 23.5003% | 857 |
| Total risk-based capital ratio | 24.6741% | 851 |
| Memoranda: | ||
| Average total assets | $240,361,600 | 2,562 |
| Average earning assets | $226,576,800 | 2,534 |
| Average equity | $31,092,200 | 2,287 |
| Average total loans | $169,279,200 | 2,427 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8973% | 3,686 |
| Cost of funding earning assets | 0.7588% | 729 |
| Net interest margin | 3.1385% | 4,603 |
| Noninterest income to average assets | 0.1912% | 5,058 |
| Noninterest expense to average assets | 1.9407% | 5,066 |
| Loan and lease loss provision to assets | 0.0997% | 2,113 |
| Net operating income to assets | 0.7237% | 3,857 |
| Return on assets (ROA) | 0.7237% | 3,919 |
| Pretax return on assets | 1.1100% | 3,265 |
| Return on Equity (ROE) | 5.6357% | 4,275 |
| Retained earnings to average equity (ytd only) | 5.6357% | 2,463 |
| Net charge-offs to loans | 0.0348% | 2,743 |
| Credit loss provision to net charge-offs | 409.0909% | 757 |
| Earnings coverage of net charge-offs (x) | 49.6095% | 1,119 |
| Efficiency ratio | 61.6007% | 3,938 |
| Assets per employee ($millions) | 6.4054% | 1,246 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9491% | 4,327 |
| Loan loss allowance to noncurrent loans | 128.8217% | 3,090 |
| Noncurrent assets plus other real estate owned to assets | 0.5300% | 2,937 |
| Noncurrent loans to loans | 0.7368% | 2,516 |
| Net loans and leases to total assets | 71.2453% | 2,371 |
| Net loans and leases to deposits | 84.1395% | 2,545 |
| Net loans and leases to core deposits | 86.7055% | 2,901 |
| Total domestic deposits to total assets | 84.6752% | 2,846 |
| Equity capital to assets | 13.3215% | 1,242 |
| Core capital (leverage) ratio | 13.1131% | 1,164 |
| Tier 1 risk-based capital ratio | 22.7561% | 969 |
| Total risk-based capital ratio | 23.9223% | 960 |
| Memoranda: | ||
| Average total assets | $240,599,500 | 2,576 |
| Average earning assets | $226,851,500 | 2,552 |
| Average equity | $30,897,250 | 2,310 |
| Average total loans | $168,824,250 | 2,452 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7928% | 3,918 |
| Cost of funding earning assets | 0.7561% | 667 |
| Net interest margin | 3.0367% | 4,828 |
| Noninterest income to average assets | 0.1935% | 5,080 |
| Noninterest expense to average assets | 1.9305% | 5,121 |
| Loan and lease loss provision to assets | 0.0993% | 2,028 |
| Net operating income to assets | 0.6733% | 3,964 |
| Return on assets (ROA) | 0.6733% | 4,026 |
| Pretax return on assets | 1.0273% | 3,454 |
| Return on Equity (ROE) | 5.3077% | 4,353 |
| Retained earnings to average equity (ytd only) | 5.3077% | 2,521 |
| Net charge-offs to loans | 0.0523% | 2,176 |
| Credit loss provision to net charge-offs | 272.7273% | 1,023 |
| Earnings coverage of net charge-offs (x) | 30.9545% | 1,440 |
| Efficiency ratio | 63.1494% | 3,806 |
| Assets per employee ($millions) | 6.7532% | 1,031 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9198% | 4,559 |
| Loan loss allowance to noncurrent loans | 86.9905% | 3,807 |
| Noncurrent assets plus other real estate owned to assets | 0.7367% | 2,356 |
| Noncurrent loans to loans | 1.0573% | 1,858 |
| Net loans and leases to total assets | 69.0333% | 2,665 |
| Net loans and leases to deposits | 81.3190% | 2,764 |
| Net loans and leases to core deposits | 83.7213% | 3,099 |
| Total domestic deposits to total assets | 84.8920% | 2,852 |
| Equity capital to assets | 12.7840% | 1,478 |
| Core capital (leverage) ratio | 12.8686% | 1,229 |
| Tier 1 risk-based capital ratio | 22.3167% | 1,013 |
| Total risk-based capital ratio | 23.4354% | 1,009 |
| Memoranda: | ||
| Average total assets | $241,799,000 | 2,577 |
| Average earning assets | $228,012,000 | 2,546 |
| Average equity | $30,672,330 | 2,323 |
| Average total loans | $168,275,670 | 2,462 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7742% | 3,853 |
| Cost of funding earning assets | 0.7513% | 642 |
| Net interest margin | 3.0229% | 4,845 |
| Noninterest income to average assets | 0.1991% | 5,076 |
| Noninterest expense to average assets | 1.9225% | 5,197 |
| Loan and lease loss provision to assets | 0.0995% | 1,897 |
| Net operating income to assets | 0.6718% | 3,828 |
| Return on assets (ROA) | 0.6718% | 3,866 |
| Pretax return on assets | 1.0268% | 3,255 |
| Return on Equity (ROE) | 5.3170% | 4,247 |
| Retained earnings to average equity (ytd only) | 5.3170% | 2,728 |
| Net charge-offs to loans | 0.0763% | 1,571 |
| Credit loss provision to net charge-offs | 187.5000% | 1,053 |
| Earnings coverage of net charge-offs (x) | 21.2188% | 1,456 |
| Efficiency ratio | 63.0577% | 3,980 |
| Assets per employee ($millions) | 6.7253% | 1,069 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8956% | 4,771 |
| Loan loss allowance to noncurrent loans | 77.9154% | 4,036 |
| Noncurrent assets plus other real estate owned to assets | 0.8067% | 2,285 |
| Noncurrent loans to loans | 1.1495% | 1,773 |
| Net loans and leases to total assets | 69.0124% | 2,525 |
| Net loans and leases to deposits | 81.2233% | 2,600 |
| Net loans and leases to core deposits | 83.4200% | 2,953 |
| Total domestic deposits to total assets | 84.9663% | 3,103 |
| Equity capital to assets | 12.6682% | 1,427 |
| Core capital (leverage) ratio | 12.7533% | 1,236 |
| Tier 1 risk-based capital ratio | 22.3374% | 1,048 |
| Total risk-based capital ratio | 23.4371% | 1,048 |
| Memoranda: | ||
| Average total assets | $241,140,500 | 2,604 |
| Average earning assets | $227,332,500 | 2,577 |
| Average equity | $30,468,500 | 2,341 |
| Average total loans | $167,719,000 | 2,478 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8295% | 3,807 |
| Cost of funding earning assets | 0.8749% | 338 |
| Net interest margin | 2.9546% | 5,044 |
| Noninterest income to average assets | 0.2124% | 5,147 |
| Noninterest expense to average assets | 1.9592% | 5,266 |
| Loan and lease loss provision to assets | 0.1009% | 2,355 |
| Net operating income to assets | 0.6262% | 4,103 |
| Return on assets (ROA) | 0.6262% | 4,216 |
| Pretax return on assets | 0.9369% | 3,704 |
| Return on Equity (ROE) | 5.0357% | 4,419 |
| Retained earnings to average equity (ytd only) | 5.0357% | 2,318 |
| Net charge-offs to loans | 0.1445% | 1,816 |
| Credit loss provision to net charge-offs | 101.2658% | 2,538 |
| Earnings coverage of net charge-offs (x) | 10.4135% | 2,643 |
| Efficiency ratio | 65.3711% | 3,697 |
| Assets per employee ($millions) | 6.6714% | 1,062 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8883% | 4,822 |
| Loan loss allowance to noncurrent loans | 79.3787% | 4,016 |
| Noncurrent assets plus other real estate owned to assets | 0.7774% | 2,408 |
| Noncurrent loans to loans | 1.1190% | 1,845 |
| Net loans and leases to total assets | 68.8509% | 2,640 |
| Net loans and leases to deposits | 80.9089% | 2,788 |
| Net loans and leases to core deposits | 83.1055% | 3,117 |
| Total domestic deposits to total assets | 85.0969% | 3,003 |
| Equity capital to assets | 12.6019% | 1,461 |
| Core capital (leverage) ratio | 12.7082% | 1,248 |
| Tier 1 risk-based capital ratio | 19.4422% | 1,496 |
| Total risk-based capital ratio | 20.3942% | 1,524 |
| Memoranda: | ||
| Average total assets | $237,799,800 | 2,602 |
| Average earning assets | $224,127,200 | 2,557 |
| Average equity | $29,568,800 | 2,385 |
| Average total loans | $164,019,800 | 2,474 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8386% | 3,803 |
| Cost of funding earning assets | 0.8283% | 431 |
| Net interest margin | 3.0103% | 4,996 |
| Noninterest income to average assets | 0.1995% | 5,269 |
| Noninterest expense to average assets | 1.8970% | 5,380 |
| Loan and lease loss provision to assets | 0.1012% | 2,222 |
| Net operating income to assets | 0.6852% | 3,931 |
| Return on assets (ROA) | 0.6852% | 4,062 |
| Pretax return on assets | 1.0387% | 3,478 |
| Return on Equity (ROE) | 5.5292% | 4,301 |
| Retained earnings to average equity (ytd only) | 5.5292% | 2,466 |
| Net charge-offs to loans | 0.1674% | 1,369 |
| Credit loss provision to net charge-offs | 87.8049% | 2,565 |
| Earnings coverage of net charge-offs (x) | 9.8925% | 2,641 |
| Efficiency ratio | 62.4653% | 4,144 |
| Assets per employee ($millions) | 6.3423% | 1,211 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8820% | 4,924 |
| Loan loss allowance to noncurrent loans | 70.9614% | 4,247 |
| Noncurrent assets plus other real estate owned to assets | 0.8805% | 2,349 |
| Noncurrent loans to loans | 1.2430% | 1,804 |
| Net loans and leases to total assets | 67.7960% | 2,822 |
| Net loans and leases to deposits | 81.5082% | 2,797 |
| Net loans and leases to core deposits | 83.8700% | 3,134 |
| Total domestic deposits to total assets | 83.1768% | 3,522 |
| Equity capital to assets | 12.4469% | 1,808 |
| Core capital (leverage) ratio | 12.5386% | 1,384 |
| Tier 1 risk-based capital ratio | 19.4997% | 1,549 |
| Total risk-based capital ratio | 20.4449% | 1,586 |
| Memoranda: | ||
| Average total assets | $237,207,000 | 2,610 |
| Average earning assets | $223,582,500 | 2,568 |
| Average equity | $29,394,500 | 2,415 |
| Average total loans | $163,314,250 | 2,486 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8337% | 3,834 |
| Cost of funding earning assets | 0.8236% | 432 |
| Net interest margin | 3.0102% | 5,058 |
| Noninterest income to average assets | 0.1992% | 5,304 |
| Noninterest expense to average assets | 1.8878% | 5,474 |
| Loan and lease loss provision to assets | 0.1017% | 2,148 |
| Net operating income to assets | 0.6917% | 3,833 |
| Return on assets (ROA) | 0.6917% | 3,983 |
| Pretax return on assets | 1.0477% | 3,406 |
| Return on Equity (ROE) | 5.5903% | 4,253 |
| Retained earnings to average equity (ytd only) | 5.5903% | 2,368 |
| Net charge-offs to loans | 0.2862% | 832 |
| Credit loss provision to net charge-offs | 51.5021% | 2,653 |
| Earnings coverage of net charge-offs (x) | 5.8197% | 2,814 |
| Efficiency ratio | 62.1546% | 4,326 |
| Assets per employee ($millions) | 6.2532% | 1,230 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8418% | 5,155 |
| Loan loss allowance to noncurrent loans | 61.8100% | 4,533 |
| Noncurrent assets plus other real estate owned to assets | 0.9300% | 2,291 |
| Noncurrent loans to loans | 1.3620% | 1,644 |
| Net loans and leases to total assets | 67.7119% | 2,820 |
| Net loans and leases to deposits | 81.4629% | 2,765 |
| Net loans and leases to core deposits | 83.7449% | 3,105 |
| Total domestic deposits to total assets | 83.1199% | 3,606 |
| Equity capital to assets | 12.4542% | 1,803 |
| Core capital (leverage) ratio | 12.4693% | 1,369 |
| Tier 1 risk-based capital ratio | 19.6297% | 1,535 |
| Total risk-based capital ratio | 20.5358% | 1,590 |
| Memoranda: | ||
| Average total assets | $235,940,330 | 2,633 |
| Average earning assets | $222,447,330 | 2,590 |
| Average equity | $29,193,330 | 2,431 |
| Average total loans | $162,803,330 | 2,500 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8659% | 3,709 |
| Cost of funding earning assets | 0.8158% | 449 |
| Net interest margin | 3.0501% | 4,997 |
| Noninterest income to average assets | 0.1940% | 5,345 |
| Noninterest expense to average assets | 1.8613% | 5,578 |
| Loan and lease loss provision to assets | 0.1021% | 1,995 |
| Net operating income to assets | 0.7316% | 3,578 |
| Return on assets (ROA) | 0.7316% | 3,686 |
| Pretax return on assets | 1.1059% | 3,070 |
| Return on Equity (ROE) | 5.9325% | 4,021 |
| Retained earnings to average equity (ytd only) | 5.9325% | 2,406 |
| Net charge-offs to loans | 0.3066% | 705 |
| Credit loss provision to net charge-offs | 48.0000% | 2,067 |
| Earnings coverage of net charge-offs (x) | 5.6800% | 2,305 |
| Efficiency ratio | 60.6430% | 4,659 |
| Assets per employee ($millions) | 6.2266% | 1,259 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8697% | 5,151 |
| Loan loss allowance to noncurrent loans | 165.5738% | 2,565 |
| Noncurrent assets plus other real estate owned to assets | 0.3609% | 4,122 |
| Noncurrent loans to loans | 0.5252% | 3,611 |
| Net loans and leases to total assets | 68.1187% | 2,632 |
| Net loans and leases to deposits | 81.9022% | 2,554 |
| Net loans and leases to core deposits | 83.9647% | 2,940 |
| Total domestic deposits to total assets | 83.1708% | 3,832 |
| Equity capital to assets | 12.3443% | 1,787 |
| Core capital (leverage) ratio | 12.4650% | 1,353 |
| Tier 1 risk-based capital ratio | 19.2284% | 1,679 |
| Total risk-based capital ratio | 20.1593% | 1,722 |
| Memoranda: | ||
| Average total assets | $235,099,000 | 2,652 |
| Average earning assets | $221,632,000 | 2,607 |
| Average equity | $28,993,000 | 2,432 |
| Average total loans | $163,072,500 | 2,492 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8789% | 3,779 |
| Cost of funding earning assets | 0.8171% | 448 |
| Net interest margin | 3.0618% | 5,000 |
| Noninterest income to average assets | 0.2135% | 5,316 |
| Noninterest expense to average assets | 1.9318% | 5,578 |
| Loan and lease loss provision to assets | 0.1033% | 2,261 |
| Net operating income to assets | 0.7214% | 3,702 |
| Return on assets (ROA) | 0.7214% | 3,806 |
| Pretax return on assets | 1.0752% | 3,170 |
| Return on Equity (ROE) | 5.9904% | 4,035 |
| Retained earnings to average equity (ytd only) | 5.9904% | 1,791 |
| Net charge-offs to loans | 0.0938% | 2,487 |
| Credit loss provision to net charge-offs | 160.0000% | 1,682 |
| Earnings coverage of net charge-offs (x) | 18.2533% | 2,024 |
| Efficiency ratio | 62.1091% | 4,587 |
| Assets per employee ($millions) | 6.1470% | 1,287 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9043% | 5,068 |
| Loan loss allowance to noncurrent loans | 115.8183% | 3,347 |
| Noncurrent assets plus other real estate owned to assets | 0.5467% | 3,464 |
| Noncurrent loans to loans | 0.7808% | 2,832 |
| Net loans and leases to total assets | 69.3856% | 2,472 |
| Net loans and leases to deposits | 83.3831% | 2,439 |
| Net loans and leases to core deposits | 85.2304% | 2,860 |
| Total domestic deposits to total assets | 83.2130% | 3,766 |
| Equity capital to assets | 12.3201% | 1,723 |
| Core capital (leverage) ratio | 12.3740% | 1,413 |
| Tier 1 risk-based capital ratio | 18.9349% | 1,717 |
| Total risk-based capital ratio | 19.9080% | 1,744 |
| Memoranda: | ||
| Average total assets | $232,320,200 | 2,645 |
| Average earning assets | $219,807,400 | 2,587 |
| Average equity | $27,978,200 | 2,463 |
| Average total loans | $159,960,800 | 2,470 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8794% | 3,814 |
| Cost of funding earning assets | 0.8156% | 449 |
| Net interest margin | 3.0638% | 5,046 |
| Noninterest income to average assets | 0.2155% | 5,365 |
| Noninterest expense to average assets | 1.8453% | 5,716 |
| Loan and lease loss provision to assets | 0.1034% | 2,133 |
| Net operating income to assets | 0.7724% | 3,570 |
| Return on assets (ROA) | 0.7724% | 3,662 |
| Pretax return on assets | 1.1683% | 2,936 |
| Return on Equity (ROE) | 6.4509% | 3,936 |
| Retained earnings to average equity (ytd only) | 6.4509% | 1,990 |
| Net charge-offs to loans | 0.0712% | 2,545 |
| Credit loss provision to net charge-offs | 211.7647% | 1,280 |
| Earnings coverage of net charge-offs (x) | 26.0354% | 1,630 |
| Efficiency ratio | 59.1999% | 4,981 |
| Assets per employee ($millions) | 6.0681% | 1,324 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9348% | 5,047 |
| Loan loss allowance to noncurrent loans | 179.2271% | 2,466 |
| Noncurrent assets plus other real estate owned to assets | 0.3591% | 4,337 |
| Noncurrent loans to loans | 0.5216% | 3,788 |
| Net loans and leases to total assets | 68.2010% | 2,647 |
| Net loans and leases to deposits | 82.0505% | 2,641 |
| Net loans and leases to core deposits | 83.7569% | 3,072 |
| Total domestic deposits to total assets | 83.1208% | 3,768 |
| Equity capital to assets | 12.3364% | 1,845 |
| Core capital (leverage) ratio | 12.2757% | 1,528 |
| Tier 1 risk-based capital ratio | 19.0741% | 1,754 |
| Total risk-based capital ratio | 20.0692% | 1,788 |
| Memoranda: | ||
| Average total assets | $232,003,750 | 2,671 |
| Average earning assets | $219,719,250 | 2,609 |
| Average equity | $27,778,250 | 2,486 |
| Average total loans | $159,062,500 | 2,490 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8785% | 3,781 |
| Cost of funding earning assets | 0.8125% | 464 |
| Net interest margin | 3.0660% | 5,057 |
| Noninterest income to average assets | 0.2099% | 5,430 |
| Noninterest expense to average assets | 1.8479% | 5,786 |
| Loan and lease loss provision to assets | 0.1032% | 2,106 |
| Net operating income to assets | 0.7708% | 3,535 |
| Return on assets (ROA) | 0.7708% | 3,635 |
| Pretax return on assets | 1.1674% | 2,908 |
| Return on Equity (ROE) | 6.5032% | 3,879 |
| Retained earnings to average equity (ytd only) | 6.5032% | 1,941 |
| Net charge-offs to loans | -0.0038% | 4,676 |
| Credit loss provision to net charge-offs | -4,000.0000% | 5,568 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.2552% | 5,081 |
| Assets per employee ($millions) | 6.0871% | 1,288 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9662% | 5,023 |
| Loan loss allowance to noncurrent loans | 196.8750% | 2,269 |
| Noncurrent assets plus other real estate owned to assets | 0.3623% | 4,447 |
| Noncurrent loans to loans | 0.4908% | 4,002 |
| Net loans and leases to total assets | 66.9990% | 2,790 |
| Net loans and leases to deposits | 80.3276% | 2,741 |
| Net loans and leases to core deposits | 81.9823% | 3,177 |
| Total domestic deposits to total assets | 83.4072% | 3,786 |
| Equity capital to assets | 12.1041% | 1,945 |
| Core capital (leverage) ratio | 12.0861% | 1,602 |
| Tier 1 risk-based capital ratio | 20.2309% | 1,501 |
| Total risk-based capital ratio | 21.3235% | 1,498 |
| Memoranda: | ||
| Average total assets | $232,476,330 | 2,683 |
| Average earning assets | $220,547,000 | 2,618 |
| Average equity | $27,555,670 | 2,509 |
| Average total loans | $159,168,000 | 2,489 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9263% | 3,506 |
| Cost of funding earning assets | 0.8106% | 475 |
| Net interest margin | 3.1157% | 4,904 |
| Noninterest income to average assets | 0.2060% | 5,481 |
| Noninterest expense to average assets | 1.8502% | 5,822 |
| Loan and lease loss provision to assets | 0.1030% | 1,979 |
| Net operating income to assets | 0.7981% | 3,271 |
| Return on assets (ROA) | 0.7981% | 3,396 |
| Pretax return on assets | 1.2083% | 2,632 |
| Return on Equity (ROE) | 6.8046% | 3,605 |
| Retained earnings to average equity (ytd only) | 6.8046% | 2,096 |
| Net charge-offs to loans | -0.1894% | 6,044 |
| Credit loss provision to net charge-offs | -78.9474% | 4,456 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5233% | 5,279 |
| Assets per employee ($millions) | 6.1148% | 1,319 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9552% | 5,227 |
| Loan loss allowance to noncurrent loans | 257.1669% | 1,809 |
| Noncurrent assets plus other real estate owned to assets | 0.2552% | 4,922 |
| Noncurrent loans to loans | 0.3714% | 4,476 |
| Net loans and leases to total assets | 68.0514% | 2,431 |
| Net loans and leases to deposits | 81.3988% | 2,395 |
| Net loans and leases to core deposits | 82.9484% | 2,875 |
| Total domestic deposits to total assets | 83.6025% | 3,973 |
| Equity capital to assets | 11.8637% | 2,136 |
| Core capital (leverage) ratio | 11.7693% | 1,799 |
| Tier 1 risk-based capital ratio | 18.6499% | 1,960 |
| Total risk-based capital ratio | 19.6816% | 1,971 |
| Memoranda: | ||
| Average total assets | $233,059,000 | 2,696 |
| Average earning assets | $221,075,000 | 2,634 |
| Average equity | $27,334,500 | 2,550 |
| Average total loans | $160,508,000 | 2,485 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8497% | 4,319 |
| Cost of funding earning assets | 0.8522% | 499 |
| Net interest margin | 2.9975% | 5,452 |
| Noninterest income to average assets | 0.2137% | 5,576 |
| Noninterest expense to average assets | 1.8634% | 5,984 |
| Loan and lease loss provision to assets | 0.1018% | 2,458 |
| Net operating income to assets | 0.7273% | 3,757 |
| Return on assets (ROA) | 0.7273% | 3,861 |
| Pretax return on assets | 1.0945% | 3,108 |
| Return on Equity (ROE) | 6.5326% | 3,879 |
| Retained earnings to average equity (ytd only) | 6.5326% | 1,622 |
| Net charge-offs to loans | 0.1541% | 2,497 |
| Credit loss provision to net charge-offs | 98.7654% | 2,454 |
| Earnings coverage of net charge-offs (x) | 11.6091% | 2,472 |
| Efficiency ratio | 60.9009% | 5,089 |
| Assets per employee ($millions) | 6.1514% | 1,278 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8608% | 5,602 |
| Loan loss allowance to noncurrent loans | 153.6504% | 2,756 |
| Noncurrent assets plus other real estate owned to assets | 0.3867% | 4,538 |
| Noncurrent loans to loans | 0.5602% | 3,986 |
| Net loans and leases to total assets | 68.4373% | 2,498 |
| Net loans and leases to deposits | 81.4856% | 2,543 |
| Net loans and leases to core deposits | 83.0164% | 2,991 |
| Total domestic deposits to total assets | 83.9870% | 3,720 |
| Equity capital to assets | 11.5942% | 2,351 |
| Core capital (leverage) ratio | 11.6407% | 1,874 |
| Tier 1 risk-based capital ratio | 17.8572% | 2,185 |
| Total risk-based capital ratio | 18.7724% | 2,274 |
| Memoranda: | ||
| Average total assets | $235,806,400 | 2,653 |
| Average earning assets | $223,889,600 | 2,591 |
| Average equity | $26,253,000 | 2,550 |
| Average total loans | $157,682,600 | 2,459 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8281% | 4,441 |
| Cost of funding earning assets | 0.8590% | 520 |
| Net interest margin | 2.9691% | 5,561 |
| Noninterest income to average assets | 0.2144% | 5,648 |
| Noninterest expense to average assets | 1.8003% | 6,089 |
| Loan and lease loss provision to assets | 0.1016% | 2,339 |
| Net operating income to assets | 0.7476% | 3,681 |
| Return on assets (ROA) | 0.7476% | 3,774 |
| Pretax return on assets | 1.1323% | 3,059 |
| Return on Equity (ROE) | 6.7841% | 3,814 |
| Retained earnings to average equity (ytd only) | 6.7841% | 1,936 |
| Net charge-offs to loans | 0.0970% | 2,840 |
| Credit loss provision to net charge-offs | 157.8947% | 1,521 |
| Earnings coverage of net charge-offs (x) | 19.1838% | 1,798 |
| Efficiency ratio | 59.3343% | 5,272 |
| Assets per employee ($millions) | 6.1796% | 1,217 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9168% | 5,551 |
| Loan loss allowance to noncurrent loans | 119.0204% | 3,241 |
| Noncurrent assets plus other real estate owned to assets | 0.5217% | 4,313 |
| Noncurrent loans to loans | 0.7703% | 3,660 |
| Net loans and leases to total assets | 67.1059% | 2,667 |
| Net loans and leases to deposits | 79.6893% | 2,739 |
| Net loans and leases to core deposits | 81.1774% | 3,184 |
| Total domestic deposits to total assets | 84.2094% | 3,680 |
| Equity capital to assets | 11.3754% | 2,610 |
| Core capital (leverage) ratio | 11.2813% | 2,233 |
| Tier 1 risk-based capital ratio | 17.6909% | 2,320 |
| Total risk-based capital ratio | 18.6565% | 2,390 |
| Memoranda: | ||
| Average total assets | $236,319,500 | 2,659 |
| Average earning assets | $224,438,500 | 2,594 |
| Average equity | $26,040,750 | 2,573 |
| Average total loans | $156,762,250 | 2,482 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7997% | 4,527 |
| Cost of funding earning assets | 0.8617% | 526 |
| Net interest margin | 2.9380% | 5,663 |
| Noninterest income to average assets | 0.2137% | 5,673 |
| Noninterest expense to average assets | 1.7845% | 6,168 |
| Loan and lease loss provision to assets | 0.1013% | 2,331 |
| Net operating income to assets | 0.7373% | 3,636 |
| Return on assets (ROA) | 0.7373% | 3,730 |
| Pretax return on assets | 1.1182% | 3,017 |
| Return on Equity (ROE) | 6.7630% | 3,742 |
| Retained earnings to average equity (ytd only) | 6.7630% | 1,894 |
| Net charge-offs to loans | 0.1385% | 2,284 |
| Credit loss provision to net charge-offs | 111.1111% | 1,803 |
| Earnings coverage of net charge-offs (x) | 13.3704% | 1,980 |
| Efficiency ratio | 59.4040% | 5,372 |
| Assets per employee ($millions) | 6.2074% | 1,169 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8839% | 5,767 |
| Loan loss allowance to noncurrent loans | 126.6005% | 3,082 |
| Noncurrent assets plus other real estate owned to assets | 0.4701% | 4,592 |
| Noncurrent loans to loans | 0.6982% | 3,965 |
| Net loans and leases to total assets | 66.7407% | 2,632 |
| Net loans and leases to deposits | 78.9816% | 2,659 |
| Net loans and leases to core deposits | 80.4409% | 3,162 |
| Total domestic deposits to total assets | 84.5016% | 3,723 |
| Equity capital to assets | 11.1326% | 2,750 |
| Core capital (leverage) ratio | 11.1190% | 2,316 |
| Tier 1 risk-based capital ratio | 17.3318% | 2,485 |
| Total risk-based capital ratio | 18.2585% | 2,571 |
| Memoranda: | ||
| Average total assets | $236,818,330 | 2,660 |
| Average earning assets | $224,913,000 | 2,593 |
| Average equity | $25,817,000 | 2,583 |
| Average total loans | $156,003,670 | 2,492 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7694% | 4,608 |
| Cost of funding earning assets | 0.8589% | 563 |
| Net interest margin | 2.9105% | 5,727 |
| Noninterest income to average assets | 0.1989% | 5,766 |
| Noninterest expense to average assets | 1.7970% | 6,224 |
| Loan and lease loss provision to assets | 0.1011% | 2,234 |
| Net operating income to assets | 0.7029% | 3,673 |
| Return on assets (ROA) | 0.7029% | 3,753 |
| Pretax return on assets | 1.0654% | 3,061 |
| Return on Equity (ROE) | 6.5168% | 3,739 |
| Retained earnings to average equity (ytd only) | 6.5168% | 2,275 |
| Net charge-offs to loans | 0.0492% | 2,695 |
| Credit loss provision to net charge-offs | 315.7895% | 770 |
| Earnings coverage of net charge-offs (x) | 36.4211% | 932 |
| Efficiency ratio | 60.6371% | 5,313 |
| Assets per employee ($millions) | 6.2344% | 1,159 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9253% | 5,786 |
| Loan loss allowance to noncurrent loans | 145.7782% | 2,705 |
| Noncurrent assets plus other real estate owned to assets | 0.4149% | 4,897 |
| Noncurrent loans to loans | 0.6347% | 4,274 |
| Net loans and leases to total assets | 64.7697% | 2,763 |
| Net loans and leases to deposits | 76.4525% | 2,760 |
| Net loans and leases to core deposits | 77.9576% | 3,211 |
| Total domestic deposits to total assets | 84.7189% | 3,990 |
| Equity capital to assets | 10.8920% | 2,834 |
| Core capital (leverage) ratio | 10.9348% | 2,456 |
| Tier 1 risk-based capital ratio | 17.9464% | 2,321 |
| Total risk-based capital ratio | 18.9430% | 2,381 |
| Memoranda: | ||
| Average total assets | $237,286,000 | 2,664 |
| Average earning assets | $225,394,500 | 2,601 |
| Average equity | $25,595,500 | 2,587 |
| Average total loans | $154,588,500 | 2,527 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7906% | 4,847 |
| Cost of funding earning assets | 0.9510% | 571 |
| Net interest margin | 2.8396% | 5,917 |
| Noninterest income to average assets | 0.2534% | 5,532 |
| Noninterest expense to average assets | 1.7806% | 6,352 |
| Loan and lease loss provision to assets | 0.0888% | 3,332 |
| Net operating income to assets | 0.7226% | 3,688 |
| Return on assets (ROA) | 0.7226% | 3,780 |
| Pretax return on assets | 1.0898% | 2,984 |
| Return on Equity (ROE) | 6.9502% | 3,583 |
| Retained earnings to average equity (ytd only) | 6.9502% | 1,453 |
| Net charge-offs to loans | 0.1245% | 3,564 |
| Credit loss provision to net charge-offs | 111.7021% | 2,152 |
| Earnings coverage of net charge-offs (x) | 14.8191% | 1,917 |
| Efficiency ratio | 60.1716% | 5,444 |
| Assets per employee ($millions) | 6.2543% | 1,108 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9021% | 5,922 |
| Loan loss allowance to noncurrent loans | 144.8491% | 2,751 |
| Noncurrent assets plus other real estate owned to assets | 0.4044% | 5,042 |
| Noncurrent loans to loans | 0.6228% | 4,421 |
| Net loans and leases to total assets | 64.3376% | 2,982 |
| Net loans and leases to deposits | 76.6349% | 2,901 |
| Net loans and leases to core deposits | 78.0573% | 3,357 |
| Total domestic deposits to total assets | 83.9535% | 4,187 |
| Equity capital to assets | 10.6818% | 2,951 |
| Core capital (leverage) ratio | 10.7459% | 2,629 |
| Tier 1 risk-based capital ratio | 17.4476% | 2,431 |
| Total risk-based capital ratio | 18.4043% | 2,514 |
| Memoranda: | ||
| Average total assets | $236,381,200 | 2,653 |
| Average earning assets | $225,242,800 | 2,565 |
| Average equity | $24,575,000 | 2,674 |
| Average total loans | $150,967,800 | 2,546 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7743% | 4,944 |
| Cost of funding earning assets | 0.9612% | 603 |
| Net interest margin | 2.8131% | 5,994 |
| Noninterest income to average assets | 0.2649% | 5,553 |
| Noninterest expense to average assets | 1.6752% | 6,494 |
| Loan and lease loss provision to assets | 0.0932% | 3,212 |
| Net operating income to assets | 0.7783% | 3,469 |
| Return on assets (ROA) | 0.7783% | 3,594 |
| Pretax return on assets | 1.1793% | 2,786 |
| Return on Equity (ROE) | 7.5385% | 3,359 |
| Retained earnings to average equity (ytd only) | 7.5385% | 1,626 |
| Net charge-offs to loans | 0.1687% | 2,867 |
| Credit loss provision to net charge-offs | 86.8421% | 2,695 |
| Earnings coverage of net charge-offs (x) | 11.8577% | 2,194 |
| Efficiency ratio | 56.8308% | 5,819 |
| Assets per employee ($millions) | 6.2544% | 1,070 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8845% | 6,095 |
| Loan loss allowance to noncurrent loans | 156.0325% | 2,464 |
| Noncurrent assets plus other real estate owned to assets | 0.3770% | 5,275 |
| Noncurrent loans to loans | 0.5668% | 4,793 |
| Net loans and leases to total assets | 63.4176% | 3,094 |
| Net loans and leases to deposits | 75.4231% | 3,030 |
| Net loans and leases to core deposits | 76.8165% | 3,523 |
| Total domestic deposits to total assets | 84.0825% | 4,155 |
| Equity capital to assets | 10.5428% | 3,228 |
| Core capital (leverage) ratio | 10.5926% | 2,901 |
| Tier 1 risk-based capital ratio | 17.4900% | 2,513 |
| Total risk-based capital ratio | 18.4288% | 2,600 |
| Memoranda: | ||
| Average total assets | $236,060,250 | 2,675 |
| Average earning assets | $225,129,500 | 2,574 |
| Average equity | $24,372,000 | 2,720 |
| Average total loans | $150,134,750 | 2,566 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7961% | 4,842 |
| Cost of funding earning assets | 0.9699% | 642 |
| Net interest margin | 2.8262% | 5,953 |
| Noninterest income to average assets | 0.2794% | 5,455 |
| Noninterest expense to average assets | 1.6644% | 6,539 |
| Loan and lease loss provision to assets | 0.1019% | 3,092 |
| Net operating income to assets | 0.7999% | 3,299 |
| Return on assets (ROA) | 0.7999% | 3,448 |
| Pretax return on assets | 1.2126% | 2,612 |
| Return on Equity (ROE) | 7.8033% | 3,188 |
| Retained earnings to average equity (ytd only) | 7.8033% | 1,565 |
| Net charge-offs to loans | 0.0990% | 3,372 |
| Credit loss provision to net charge-offs | 162.1622% | 1,444 |
| Earnings coverage of net charge-offs (x) | 20.9189% | 1,434 |
| Efficiency ratio | 55.8723% | 5,979 |
| Assets per employee ($millions) | 6.7666% | 807 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9444% | 6,010 |
| Loan loss allowance to noncurrent loans | 234.8259% | 1,731 |
| Noncurrent assets plus other real estate owned to assets | 0.2816% | 5,640 |
| Noncurrent loans to loans | 0.4022% | 5,259 |
| Net loans and leases to total assets | 62.7112% | 3,155 |
| Net loans and leases to deposits | 74.4340% | 3,083 |
| Net loans and leases to core deposits | 75.8156% | 3,568 |
| Total domestic deposits to total assets | 84.2507% | 4,221 |
| Equity capital to assets | 10.3961% | 3,432 |
| Core capital (leverage) ratio | 10.4826% | 2,895 |
| Tier 1 risk-based capital ratio | 17.6006% | 2,475 |
| Total risk-based capital ratio | 18.6129% | 2,540 |
| Memoranda: | ||
| Average total assets | $235,524,000 | 2,691 |
| Average earning assets | $224,965,670 | 2,588 |
| Average equity | $24,143,670 | 2,756 |
| Average total loans | $149,490,000 | 2,581 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7992% | 4,829 |
| Cost of funding earning assets | 0.9899% | 649 |
| Net interest margin | 2.8093% | 6,014 |
| Noninterest income to average assets | 0.2486% | 5,681 |
| Noninterest expense to average assets | 1.6622% | 6,611 |
| Loan and lease loss provision to assets | 0.1022% | 2,971 |
| Net operating income to assets | 0.7698% | 3,332 |
| Return on assets (ROA) | 0.7698% | 3,473 |
| Pretax return on assets | 1.1666% | 2,697 |
| Return on Equity (ROE) | 7.5633% | 3,185 |
| Retained earnings to average equity (ytd only) | 7.5633% | 1,914 |
| Net charge-offs to loans | 0.1072% | 2,804 |
| Credit loss provision to net charge-offs | 150.0000% | 1,364 |
| Earnings coverage of net charge-offs (x) | 18.6250% | 1,254 |
| Efficiency ratio | 56.7112% | 5,998 |
| Assets per employee ($millions) | 6.7256% | 882 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9350% | 6,172 |
| Loan loss allowance to noncurrent loans | 172.0297% | 2,136 |
| Noncurrent assets plus other real estate owned to assets | 0.3768% | 5,463 |
| Noncurrent loans to loans | 0.5435% | 5,087 |
| Net loans and leases to total assets | 62.5625% | 2,959 |
| Net loans and leases to deposits | 74.1338% | 2,900 |
| Net loans and leases to core deposits | 75.7440% | 3,357 |
| Total domestic deposits to total assets | 84.3913% | 4,317 |
| Equity capital to assets | 10.2513% | 3,855 |
| Core capital (leverage) ratio | 10.2809% | 3,037 |
| Tier 1 risk-based capital ratio | 17.6429% | 2,503 |
| Total risk-based capital ratio | 18.6603% | 2,558 |
| Memoranda: | ||
| Average total assets | $234,871,000 | 2,726 |
| Average earning assets | $224,257,500 | 2,621 |
| Average equity | $23,905,000 | 2,811 |
| Average total loans | $149,267,500 | 2,590 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9642% | 5,409 |
| Cost of funding earning assets | 1.1201% | 843 |
| Net interest margin | 2.8440% | 6,328 |
| Noninterest income to average assets | 0.2801% | 5,462 |
| Noninterest expense to average assets | 1.7436% | 6,684 |
| Loan and lease loss provision to assets | 0.1307% | 3,986 |
| Net operating income to assets | 0.7585% | 3,473 |
| Return on assets (ROA) | 0.7585% | 3,715 |
| Pretax return on assets | 1.1458% | 3,002 |
| Return on Equity (ROE) | 7.6344% | 3,264 |
| Retained earnings to average equity (ytd only) | 7.6344% | 1,265 |
| Net charge-offs to loans | 0.0309% | 5,473 |
| Credit loss provision to net charge-offs | 666.6667% | 368 |
| Earnings coverage of net charge-offs (x) | 65.1111% | 553 |
| Efficiency ratio | 57.7323% | 5,870 |
| Assets per employee ($millions) | 6.6956% | 900 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9141% | 6,233 |
| Loan loss allowance to noncurrent loans | 107.7044% | 3,157 |
| Noncurrent assets plus other real estate owned to assets | 0.5829% | 5,023 |
| Noncurrent loans to loans | 0.8487% | 4,488 |
| Net loans and leases to total assets | 63.3701% | 2,994 |
| Net loans and leases to deposits | 75.9517% | 2,815 |
| Net loans and leases to core deposits | 77.5140% | 3,331 |
| Total domestic deposits to total assets | 83.4348% | 4,556 |
| Equity capital to assets | 10.1042% | 4,031 |
| Core capital (leverage) ratio | 10.3226% | 2,982 |
| Tier 1 risk-based capital ratio | 17.7662% | 2,357 |
| Total risk-based capital ratio | 18.7952% | 2,408 |
| Memoranda: | ||
| Average total assets | $229,531,000 | 2,730 |
| Average earning assets | $221,131,200 | 2,604 |
| Average equity | $22,804,800 | 2,872 |
| Average total loans | $145,465,400 | 2,642 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9874% | 5,549 |
| Cost of funding earning assets | 1.1405% | 894 |
| Net interest margin | 2.8469% | 6,443 |
| Noninterest income to average assets | 0.2464% | 5,791 |
| Noninterest expense to average assets | 1.6870% | 6,799 |
| Loan and lease loss provision to assets | 0.1314% | 3,907 |
| Net operating income to assets | 0.7772% | 3,560 |
| Return on assets (ROA) | 0.7772% | 3,812 |
| Pretax return on assets | 1.1772% | 3,075 |
| Return on Equity (ROE) | 7.8571% | 3,347 |
| Retained earnings to average equity (ytd only) | 7.8571% | 1,681 |
| Net charge-offs to loans | 0.0406% | 5,079 |
| Credit loss provision to net charge-offs | 511.3636% | 523 |
| Earnings coverage of net charge-offs (x) | 50.9277% | 744 |
| Efficiency ratio | 56.3158% | 6,017 |
| Assets per employee ($millions) | 6.5557% | 926 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8798% | 6,428 |
| Loan loss allowance to noncurrent loans | 219.2893% | 1,629 |
| Noncurrent assets plus other real estate owned to assets | 0.2985% | 5,953 |
| Noncurrent loans to loans | 0.4012% | 5,651 |
| Net loans and leases to total assets | 63.6332% | 3,087 |
| Net loans and leases to deposits | 76.4428% | 2,918 |
| Net loans and leases to core deposits | 78.2093% | 3,422 |
| Total domestic deposits to total assets | 83.2428% | 4,544 |
| Equity capital to assets | 10.1413% | 4,291 |
| Core capital (leverage) ratio | 10.1516% | 3,344 |
| Tier 1 risk-based capital ratio | 18.1181% | 2,295 |
| Total risk-based capital ratio | 19.1284% | 2,364 |
| Memoranda: | ||
| Average total assets | $228,327,000 | 2,768 |
| Average earning assets | $220,489,250 | 2,634 |
| Average equity | $22,586,250 | 2,922 |
| Average total loans | $144,362,750 | 2,686 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9845% | 5,692 |
| Cost of funding earning assets | 1.1511% | 1,021 |
| Net interest margin | 2.8334% | 6,528 |
| Noninterest income to average assets | 0.2009% | 6,121 |
| Noninterest expense to average assets | 1.6846% | 6,850 |
| Loan and lease loss provision to assets | 0.1316% | 3,881 |
| Net operating income to assets | 0.7466% | 3,622 |
| Return on assets (ROA) | 0.7466% | 3,899 |
| Pretax return on assets | 1.1318% | 3,183 |
| Return on Equity (ROE) | 7.6123% | 3,440 |
| Retained earnings to average equity (ytd only) | 7.6123% | 1,808 |
| Net charge-offs to loans | 0.0614% | 4,563 |
| Credit loss provision to net charge-offs | 340.9091% | 860 |
| Earnings coverage of net charge-offs (x) | 32.7273% | 1,017 |
| Efficiency ratio | 57.1429% | 5,976 |
| Assets per employee ($millions) | 6.5321% | 938 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8441% | 6,581 |
| Loan loss allowance to noncurrent loans | 149.2665% | 2,250 |
| Noncurrent assets plus other real estate owned to assets | 0.3989% | 5,783 |
| Noncurrent loans to loans | 0.5655% | 5,376 |
| Net loans and leases to total assets | 62.7377% | 3,279 |
| Net loans and leases to deposits | 75.2050% | 3,100 |
| Net loans and leases to core deposits | 76.8115% | 3,680 |
| Total domestic deposits to total assets | 83.4222% | 4,566 |
| Equity capital to assets | 9.9679% | 4,383 |
| Core capital (leverage) ratio | 9.8861% | 3,599 |
| Tier 1 risk-based capital ratio | 18.6971% | 2,071 |
| Total risk-based capital ratio | 19.6993% | 2,105 |
| Memoranda: | ||
| Average total assets | $227,953,330 | 2,777 |
| Average earning assets | $221,004,670 | 2,635 |
| Average equity | $22,358,670 | 2,943 |
| Average total loans | $143,383,330 | 2,715 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0260% | 5,685 |
| Cost of funding earning assets | 1.1728% | 1,093 |
| Net interest margin | 2.8532% | 6,550 |
| Noninterest income to average assets | 0.1582% | 6,440 |
| Noninterest expense to average assets | 1.6976% | 6,904 |
| Loan and lease loss provision to assets | 0.1318% | 3,702 |
| Net operating income to assets | 0.7223% | 3,769 |
| Return on assets (ROA) | 0.7223% | 3,994 |
| Pretax return on assets | 1.0948% | 3,344 |
| Return on Equity (ROE) | 7.4243% | 3,549 |
| Retained earnings to average equity (ytd only) | 7.4243% | 2,218 |
| Net charge-offs to loans | -0.0056% | 5,812 |
| Credit loss provision to net charge-offs | -3,750.0000% | 6,161 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0529% | 5,909 |
| Assets per employee ($millions) | 6.5284% | 961 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8296% | 6,688 |
| Loan loss allowance to noncurrent loans | 155.8170% | 2,092 |
| Noncurrent assets plus other real estate owned to assets | 0.3759% | 5,939 |
| Noncurrent loans to loans | 0.5324% | 5,600 |
| Net loans and leases to total assets | 62.3620% | 3,176 |
| Net loans and leases to deposits | 74.5901% | 3,029 |
| Net loans and leases to core deposits | 77.5182% | 3,390 |
| Total domestic deposits to total assets | 83.6062% | 4,673 |
| Equity capital to assets | 9.7810% | 4,411 |
| Core capital (leverage) ratio | 9.8352% | 3,590 |
| Tier 1 risk-based capital ratio | 18.6091% | 2,108 |
| Total risk-based capital ratio | 19.6023% | 2,157 |
| Memoranda: | ||
| Average total assets | $227,617,500 | 2,797 |
| Average earning assets | $220,663,500 | 2,645 |
| Average equity | $22,143,500 | 2,965 |
| Average total loans | $142,747,500 | 2,743 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4116% | 5,373 |
| Cost of funding earning assets | 1.4558% | 849 |
| Net interest margin | 2.9558% | 6,596 |
| Noninterest income to average assets | 0.1360% | 6,473 |
| Noninterest expense to average assets | 1.8294% | 6,920 |
| Loan and lease loss provision to assets | 0.0838% | 5,561 |
| Net operating income to assets | 0.7154% | 3,415 |
| Return on assets (ROA) | 0.7154% | 3,589 |
| Pretax return on assets | 1.0796% | 2,912 |
| Return on Equity (ROE) | 7.2505% | 3,281 |
| Retained earnings to average equity (ytd only) | 7.2505% | 1,384 |
| Net charge-offs to loans | 0.1630% | 4,845 |
| Credit loss provision to net charge-offs | 79.2952% | 4,489 |
| Earnings coverage of net charge-offs (x) | 11.0044% | 1,770 |
| Efficiency ratio | 61.1267% | 5,590 |
| Assets per employee ($millions) | 6.4783% | 970 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7863% | 6,770 |
| Loan loss allowance to noncurrent loans | 106.3931% | 2,889 |
| Noncurrent assets plus other real estate owned to assets | 0.5037% | 5,710 |
| Noncurrent loans to loans | 0.7390% | 5,222 |
| Net loans and leases to total assets | 62.0508% | 3,591 |
| Net loans and leases to deposits | 74.1658% | 3,470 |
| Net loans and leases to core deposits | 76.9753% | 3,829 |
| Total domestic deposits to total assets | 83.6650% | 4,464 |
| Equity capital to assets | 9.6754% | 4,641 |
| Core capital (leverage) ratio | 9.8764% | 3,488 |
| Tier 1 risk-based capital ratio | 18.4904% | 2,049 |
| Total risk-based capital ratio | 19.4307% | 2,111 |
| Memoranda: | ||
| Average total assets | $214,715,000 | 2,895 |
| Average earning assets | $207,521,400 | 2,760 |
| Average equity | $21,184,800 | 2,988 |
| Average total loans | $139,275,800 | 2,803 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4943% | 5,267 |
| Cost of funding earning assets | 1.5035% | 848 |
| Net interest margin | 2.9908% | 6,606 |
| Noninterest income to average assets | 0.1329% | 6,590 |
| Noninterest expense to average assets | 1.7924% | 7,005 |
| Loan and lease loss provision to assets | 0.0756% | 5,501 |
| Net operating income to assets | 0.7608% | 3,337 |
| Return on assets (ROA) | 0.7608% | 3,496 |
| Pretax return on assets | 1.1538% | 2,814 |
| Return on Equity (ROE) | 7.6709% | 3,191 |
| Retained earnings to average equity (ytd only) | 7.6709% | 1,640 |
| Net charge-offs to loans | 0.0942% | 5,034 |
| Credit loss provision to net charge-offs | 122.4490% | 2,643 |
| Earnings coverage of net charge-offs (x) | 19.9189% | 1,245 |
| Efficiency ratio | 59.3164% | 5,828 |
| Assets per employee ($millions) | 6.2765% | 1,044 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8409% | 6,738 |
| Loan loss allowance to noncurrent loans | 136.4055% | 2,218 |
| Noncurrent assets plus other real estate owned to assets | 0.4379% | 5,996 |
| Noncurrent loans to loans | 0.6165% | 5,656 |
| Net loans and leases to total assets | 63.5526% | 3,404 |
| Net loans and leases to deposits | 76.3177% | 3,279 |
| Net loans and leases to core deposits | 77.9645% | 3,916 |
| Total domestic deposits to total assets | 83.2737% | 4,573 |
| Equity capital to assets | 9.8376% | 4,570 |
| Core capital (leverage) ratio | 9.8743% | 3,612 |
| Tier 1 risk-based capital ratio | 18.6604% | 2,045 |
| Total risk-based capital ratio | 19.6828% | 2,075 |
| Memoranda: | ||
| Average total assets | $211,708,750 | 2,933 |
| Average earning assets | $204,492,000 | 2,805 |
| Average equity | $20,996,500 | 3,007 |
| Average total loans | $138,642,500 | 2,838 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5618% | 5,130 |
| Cost of funding earning assets | 1.5285% | 905 |
| Net interest margin | 3.0333% | 6,542 |
| Noninterest income to average assets | 0.1177% | 6,744 |
| Noninterest expense to average assets | 1.8311% | 7,042 |
| Loan and lease loss provision to assets | 0.0861% | 5,233 |
| Net operating income to assets | 0.7434% | 3,326 |
| Return on assets (ROA) | 0.7434% | 3,446 |
| Pretax return on assets | 1.1279% | 2,734 |
| Return on Equity (ROE) | 7.4741% | 3,202 |
| Retained earnings to average equity (ytd only) | 7.4741% | 1,668 |
| Net charge-offs to loans | -0.0029% | 6,545 |
| Credit loss provision to net charge-offs | -4,500.0000% | 6,758 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1320% | 5,850 |
| Assets per employee ($millions) | 6.1721% | 1,083 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9001% | 6,659 |
| Loan loss allowance to noncurrent loans | 137.3494% | 2,144 |
| Noncurrent assets plus other real estate owned to assets | 0.4662% | 5,987 |
| Noncurrent loans to loans | 0.6553% | 5,608 |
| Net loans and leases to total assets | 63.9128% | 3,482 |
| Net loans and leases to deposits | 76.8341% | 3,319 |
| Net loans and leases to core deposits | 78.5275% | 3,990 |
| Total domestic deposits to total assets | 83.1829% | 4,682 |
| Equity capital to assets | 9.8040% | 4,385 |
| Core capital (leverage) ratio | 9.8753% | 3,419 |
| Tier 1 risk-based capital ratio | 18.5202% | 2,003 |
| Total risk-based capital ratio | 19.6168% | 2,007 |
| Memoranda: | ||
| Average total assets | $209,052,330 | 2,988 |
| Average earning assets | $201,761,330 | 2,852 |
| Average equity | $20,791,670 | 3,026 |
| Average total loans | $137,925,000 | 2,890 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5986% | 4,950 |
| Cost of funding earning assets | 1.5470% | 988 |
| Net interest margin | 3.0516% | 6,457 |
| Noninterest income to average assets | 0.1790% | 6,438 |
| Noninterest expense to average assets | 1.8486% | 7,075 |
| Loan and lease loss provision to assets | 0.1168% | 4,548 |
| Net operating income to assets | 0.7628% | 3,202 |
| Return on assets (ROA) | 0.7628% | 3,272 |
| Pretax return on assets | 1.1578% | 2,520 |
| Return on Equity (ROE) | 7.6124% | 3,091 |
| Retained earnings to average equity (ytd only) | 7.6124% | 1,881 |
| Net charge-offs to loans | -0.0029% | 6,197 |
| Credit loss provision to net charge-offs | -6,000.0000% | 6,394 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1900% | 6,103 |
| Assets per employee ($millions) | 6.0441% | 1,166 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8849% | 6,736 |
| Loan loss allowance to noncurrent loans | 168.4573% | 1,738 |
| Noncurrent assets plus other real estate owned to assets | 0.3876% | 6,234 |
| Noncurrent loans to loans | 0.5253% | 5,976 |
| Net loans and leases to total assets | 64.7585% | 3,294 |
| Net loans and leases to deposits | 77.9995% | 3,060 |
| Net loans and leases to core deposits | 80.2667% | 3,711 |
| Total domestic deposits to total assets | 83.0243% | 4,918 |
| Equity capital to assets | 9.8297% | 3,991 |
| Core capital (leverage) ratio | 10.0784% | 3,063 |
| Tier 1 risk-based capital ratio | 18.2810% | 2,027 |
| Total risk-based capital ratio | 19.3565% | 2,046 |
| Memoranda: | ||
| Average total assets | $205,566,500 | 3,040 |
| Average earning assets | $198,319,500 | 2,907 |
| Average equity | $20,598,000 | 3,037 |
| Average total loans | $137,227,000 | 2,939 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9408% | 4,830 |
| Cost of funding earning assets | 1.9075% | 819 |
| Net interest margin | 3.0333% | 6,673 |
| Noninterest income to average assets | 0.3032% | 5,631 |
| Noninterest expense to average assets | 1.9091% | 7,144 |
| Loan and lease loss provision to assets | 0.1072% | 6,075 |
| Net operating income to assets | 0.7948% | 2,825 |
| Return on assets (ROA) | 0.7948% | 2,964 |
| Pretax return on assets | 1.2083% | 2,200 |
| Return on Equity (ROE) | 7.9378% | 2,718 |
| Retained earnings to average equity (ytd only) | 7.9378% | 994 |
| Net charge-offs to loans | 0.1096% | 5,777 |
| Credit loss provision to net charge-offs | 136.3636% | 2,815 |
| Earnings coverage of net charge-offs (x) | 16.7338% | 1,191 |
| Efficiency ratio | 59.2053% | 6,161 |
| Assets per employee ($millions) | 5.8703% | 1,302 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8529% | 6,846 |
| Loan loss allowance to noncurrent loans | 130.8559% | 2,247 |
| Noncurrent assets plus other real estate owned to assets | 0.4920% | 6,044 |
| Noncurrent loans to loans | 0.6518% | 5,755 |
| Net loans and leases to total assets | 67.6772% | 3,061 |
| Net loans and leases to deposits | 79.8870% | 3,196 |
| Net loans and leases to core deposits | 81.6881% | 3,950 |
| Total domestic deposits to total assets | 84.7162% | 3,990 |
| Equity capital to assets | 10.2220% | 3,471 |
| Core capital (leverage) ratio | 10.2017% | 2,861 |
| Tier 1 risk-based capital ratio | 18.4817% | 1,850 |
| Total risk-based capital ratio | 19.5346% | 1,867 |
| Memoranda: | ||
| Average total assets | $195,901,800 | 3,147 |
| Average earning assets | $188,673,000 | 3,024 |
| Average equity | $19,615,000 | 3,201 |
| Average total loans | $140,548,400 | 2,939 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9974% | 4,824 |
| Cost of funding earning assets | 1.9236% | 951 |
| Net interest margin | 3.0739% | 6,674 |
| Noninterest income to average assets | 0.2086% | 6,417 |
| Noninterest expense to average assets | 1.7854% | 7,342 |
| Loan and lease loss provision to assets | 0.1026% | 6,000 |
| Net operating income to assets | 0.8452% | 2,823 |
| Return on assets (ROA) | 0.8452% | 2,955 |
| Pretax return on assets | 1.2808% | 2,227 |
| Return on Equity (ROE) | 8.4867% | 2,692 |
| Retained earnings to average equity (ytd only) | 8.4867% | 1,243 |
| Net charge-offs to loans | 0.1459% | 5,136 |
| Credit loss provision to net charge-offs | 96.7742% | 4,479 |
| Earnings coverage of net charge-offs (x) | 13.0517% | 1,625 |
| Efficiency ratio | 56.3444% | 6,506 |
| Assets per employee ($millions) | 5.9400% | 1,283 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7893% | 7,029 |
| Loan loss allowance to noncurrent loans | 153.1293% | 1,848 |
| Noncurrent assets plus other real estate owned to assets | 0.4347% | 6,336 |
| Noncurrent loans to loans | 0.5154% | 6,168 |
| Net loans and leases to total assets | 68.5253% | 3,088 |
| Net loans and leases to deposits | 83.0202% | 2,907 |
| Net loans and leases to core deposits | 84.5313% | 3,871 |
| Total domestic deposits to total assets | 82.5405% | 4,778 |
| Equity capital to assets | 9.9431% | 4,230 |
| Core capital (leverage) ratio | 10.0095% | 3,246 |
| Tier 1 risk-based capital ratio | 18.5767% | 1,849 |
| Total risk-based capital ratio | 19.5957% | 1,880 |
| Memoranda: | ||
| Average total assets | $194,979,750 | 3,206 |
| Average earning assets | $187,772,500 | 3,075 |
| Average equity | $19,418,250 | 3,266 |
| Average total loans | $141,625,750 | 2,949 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0588% | 4,662 |
| Cost of funding earning assets | 2.0214% | 852 |
| Net interest margin | 3.0374% | 6,751 |
| Noninterest income to average assets | 0.1485% | 6,831 |
| Noninterest expense to average assets | 1.8147% | 7,374 |
| Loan and lease loss provision to assets | 0.1246% | 5,643 |
| Net operating income to assets | 0.7475% | 3,207 |
| Return on assets (ROA) | 0.7475% | 3,358 |
| Pretax return on assets | 1.1326% | 2,661 |
| Return on Equity (ROE) | 7.5010% | 3,115 |
| Retained earnings to average equity (ytd only) | 7.5010% | 1,638 |
| Net charge-offs to loans | 0.2178% | 4,298 |
| Credit loss provision to net charge-offs | 77.4194% | 4,777 |
| Earnings coverage of net charge-offs (x) | 7.8129% | 2,230 |
| Efficiency ratio | 59.0740% | 6,205 |
| Assets per employee ($millions) | 5.8586% | 1,331 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7585% | 7,124 |
| Loan loss allowance to noncurrent loans | 103.8797% | 2,665 |
| Noncurrent assets plus other real estate owned to assets | 0.5974% | 5,999 |
| Noncurrent loans to loans | 0.7302% | 5,795 |
| Net loans and leases to total assets | 70.3486% | 2,828 |
| Net loans and leases to deposits | 85.2049% | 2,660 |
| Net loans and leases to core deposits | 87.3447% | 3,643 |
| Total domestic deposits to total assets | 82.5640% | 4,760 |
| Equity capital to assets | 9.8227% | 4,240 |
| Core capital (leverage) ratio | 9.9293% | 3,246 |
| Tier 1 risk-based capital ratio | 18.3940% | 1,858 |
| Total risk-based capital ratio | 19.4009% | 1,892 |
| Memoranda: | ||
| Average total assets | $192,653,330 | 3,267 |
| Average earning assets | $185,420,000 | 3,129 |
| Average equity | $19,197,330 | 3,278 |
| Average total loans | $142,336,330 | 2,967 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1051% | 4,503 |
| Cost of funding earning assets | 2.0851% | 855 |
| Net interest margin | 3.0201% | 6,784 |
| Noninterest income to average assets | 0.1415% | 6,963 |
| Noninterest expense to average assets | 1.8523% | 7,408 |
| Loan and lease loss provision to assets | 0.1267% | 5,310 |
| Net operating income to assets | 0.7054% | 3,419 |
| Return on assets (ROA) | 0.7054% | 3,527 |
| Pretax return on assets | 1.0687% | 2,845 |
| Return on Equity (ROE) | 7.0268% | 3,325 |
| Retained earnings to average equity (ytd only) | 7.0268% | 2,120 |
| Net charge-offs to loans | 0.0812% | 4,606 |
| Credit loss provision to net charge-offs | 206.8966% | 1,800 |
| Earnings coverage of net charge-offs (x) | 19.5172% | 1,196 |
| Efficiency ratio | 60.7762% | 6,037 |
| Assets per employee ($millions) | 5.7715% | 1,429 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7949% | 7,141 |
| Loan loss allowance to noncurrent loans | 96.6015% | 2,870 |
| Noncurrent assets plus other real estate owned to assets | 0.6803% | 5,811 |
| Noncurrent loans to loans | 0.8229% | 5,666 |
| Net loans and leases to total assets | 72.3095% | 2,384 |
| Net loans and leases to deposits | 89.2925% | 2,017 |
| Net loans and leases to core deposits | 90.7030% | 3,269 |
| Total domestic deposits to total assets | 80.9805% | 5,471 |
| Equity capital to assets | 9.7742% | 4,145 |
| Core capital (leverage) ratio | 10.0501% | 3,100 |
| Tier 1 risk-based capital ratio | 17.8897% | 1,971 |
| Total risk-based capital ratio | 18.9503% | 1,999 |
| Memoranda: | ||
| Average total assets | $189,384,500 | 3,371 |
| Average earning assets | $182,248,000 | 3,229 |
| Average equity | $19,013,000 | 3,320 |
| Average total loans | $142,905,000 | 3,023 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5871% | 3,674 |
| Cost of funding earning assets | 2.4109% | 1,267 |
| Net interest margin | 3.1762% | 6,171 |
| Noninterest income to average assets | 0.1736% | 6,835 |
| Noninterest expense to average assets | 2.0625% | 7,261 |
| Loan and lease loss provision to assets | 0.1394% | 6,246 |
| Net operating income to assets | 0.6712% | 3,052 |
| Return on assets (ROA) | 0.6712% | 3,109 |
| Pretax return on assets | 1.0249% | 2,508 |
| Return on Equity (ROE) | 6.3321% | 3,062 |
| Retained earnings to average equity (ytd only) | 6.3321% | 1,211 |
| Net charge-offs to loans | 0.0479% | 6,621 |
| Credit loss provision to net charge-offs | 358.2090% | 896 |
| Earnings coverage of net charge-offs (x) | 29.9254% | 766 |
| Efficiency ratio | 63.9194% | 5,791 |
| Assets per employee ($millions) | 5.3688% | 1,771 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7746% | 7,199 |
| Loan loss allowance to noncurrent loans | 179.8374% | 1,633 |
| Noncurrent assets plus other real estate owned to assets | 0.4240% | 6,405 |
| Noncurrent loans to loans | 0.4307% | 6,405 |
| Net loans and leases to total assets | 77.6130% | 1,463 |
| Net loans and leases to deposits | 97.3337% | 1,172 |
| Net loans and leases to core deposits | 115.0876% | 2,408 |
| Total domestic deposits to total assets | 79.7391% | 5,757 |
| Equity capital to assets | 10.3244% | 3,378 |
| Core capital (leverage) ratio | 10.4988% | 2,608 |
| Tier 1 risk-based capital ratio | 17.8739% | 1,923 |
| Total risk-based capital ratio | 18.9230% | 1,937 |
| Memoranda: | ||
| Average total assets | $172,217,800 | 3,572 |
| Average earning assets | $165,543,000 | 3,411 |
| Average equity | $18,256,200 | 3,470 |
| Average total loans | $139,789,800 | 3,092 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6609% | 3,520 |
| Cost of funding earning assets | 2.4712% | 1,387 |
| Net interest margin | 3.1897% | 6,060 |
| Noninterest income to average assets | 0.1761% | 6,955 |
| Noninterest expense to average assets | 2.0537% | 7,277 |
| Loan and lease loss provision to assets | 0.1415% | 5,943 |
| Net operating income to assets | 0.6909% | 3,246 |
| Return on assets (ROA) | 0.6909% | 3,299 |
| Pretax return on assets | 1.0477% | 2,748 |
| Return on Equity (ROE) | 6.4718% | 3,311 |
| Retained earnings to average equity (ytd only) | 6.4718% | 1,723 |
| Net charge-offs to loans | 0.0249% | 6,537 |
| Credit loss provision to net charge-offs | 692.3077% | 540 |
| Earnings coverage of net charge-offs (x) | 58.1852% | 563 |
| Efficiency ratio | 63.3301% | 5,871 |
| Assets per employee ($millions) | 5.2104% | 1,876 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7644% | 7,218 |
| Loan loss allowance to noncurrent loans | 185.1789% | 1,588 |
| Noncurrent assets plus other real estate owned to assets | 0.4713% | 6,283 |
| Noncurrent loans to loans | 0.4128% | 6,512 |
| Net loans and leases to total assets | 79.6560% | 1,245 |
| Net loans and leases to deposits | 100.6117% | 1,056 |
| Net loans and leases to core deposits | 119.8392% | 2,259 |
| Total domestic deposits to total assets | 79.1717% | 5,744 |
| Equity capital to assets | 10.4813% | 3,536 |
| Core capital (leverage) ratio | 10.6461% | 2,670 |
| Tier 1 risk-based capital ratio | 18.0501% | 1,975 |
| Total risk-based capital ratio | 19.1068% | 1,980 |
| Memoranda: | ||
| Average total assets | $169,637,500 | 3,633 |
| Average earning assets | $163,103,250 | 3,493 |
| Average equity | $18,108,750 | 3,515 |
| Average total loans | $139,042,250 | 3,139 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7167% | 3,447 |
| Cost of funding earning assets | 2.5247% | 1,530 |
| Net interest margin | 3.1920% | 5,945 |
| Noninterest income to average assets | 0.1831% | 6,985 |
| Noninterest expense to average assets | 2.1265% | 7,219 |
| Loan and lease loss provision to assets | 0.1436% | 5,636 |
| Net operating income to assets | 0.6474% | 3,476 |
| Return on assets (ROA) | 0.6474% | 3,583 |
| Pretax return on assets | 0.9813% | 3,080 |
| Return on Equity (ROE) | 6.0260% | 3,634 |
| Retained earnings to average equity (ytd only) | 6.0260% | 2,012 |
| Net charge-offs to loans | 0.0232% | 6,168 |
| Credit loss provision to net charge-offs | 750.0000% | 623 |
| Earnings coverage of net charge-offs (x) | 58.7500% | 607 |
| Efficiency ratio | 65.4030% | 5,644 |
| Assets per employee ($millions) | 5.0102% | 2,063 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7404% | 7,329 |
| Loan loss allowance to noncurrent loans | 146.0563% | 2,015 |
| Noncurrent assets plus other real estate owned to assets | 0.5101% | 6,160 |
| Noncurrent loans to loans | 0.5069% | 6,259 |
| Net loans and leases to total assets | 81.6145% | 1,023 |
| Net loans and leases to deposits | 103.9159% | 921 |
| Net loans and leases to core deposits | 125.6991% | 1,900 |
| Total domestic deposits to total assets | 78.5390% | 5,944 |
| Equity capital to assets | 10.7023% | 3,205 |
| Core capital (leverage) ratio | 10.7775% | 2,585 |
| Tier 1 risk-based capital ratio | 18.0766% | 1,997 |
| Total risk-based capital ratio | 19.1048% | 2,000 |
| Memoranda: | ||
| Average total assets | $167,132,330 | 3,688 |
| Average earning assets | $160,652,670 | 3,552 |
| Average equity | $17,955,670 | 3,555 |
| Average total loans | $137,989,670 | 3,179 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7452% | 3,557 |
| Cost of funding earning assets | 2.5607% | 1,698 |
| Net interest margin | 3.1845% | 5,906 |
| Noninterest income to average assets | 0.1498% | 7,229 |
| Noninterest expense to average assets | 2.1290% | 7,054 |
| Loan and lease loss provision to assets | 0.1450% | 5,093 |
| Net operating income to assets | 0.6211% | 3,935 |
| Return on assets (ROA) | 0.6211% | 4,117 |
| Pretax return on assets | 0.9352% | 3,581 |
| Return on Equity (ROE) | 5.7694% | 4,137 |
| Retained earnings to average equity (ytd only) | 5.7694% | 2,742 |
| Net charge-offs to loans | 0.0497% | 4,785 |
| Credit loss provision to net charge-offs | 352.9412% | 1,431 |
| Earnings coverage of net charge-offs (x) | 26.2941% | 1,182 |
| Efficiency ratio | 66.3404% | 5,262 |
| Assets per employee ($millions) | 5.1090% | 1,948 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7128% | 7,405 |
| Loan loss allowance to noncurrent loans | 124.6488% | 2,517 |
| Noncurrent assets plus other real estate owned to assets | 0.5279% | 5,901 |
| Noncurrent loans to loans | 0.5719% | 5,980 |
| Net loans and leases to total assets | 80.6314% | 1,269 |
| Net loans and leases to deposits | 102.7528% | 1,113 |
| Net loans and leases to core deposits | 124.4797% | 2,042 |
| Total domestic deposits to total assets | 78.4713% | 5,871 |
| Equity capital to assets | 10.6448% | 3,331 |
| Core capital (leverage) ratio | 10.8204% | 2,642 |
| Tier 1 risk-based capital ratio | 18.3056% | 1,980 |
| Total risk-based capital ratio | 19.3011% | 1,988 |
| Memoranda: | ||
| Average total assets | $165,525,500 | 3,734 |
| Average earning assets | $159,021,000 | 3,593 |
| Average equity | $17,818,000 | 3,590 |
| Average total loans | $136,952,500 | 3,228 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0456% | 5,322 |
| Cost of funding earning assets | 3.0027% | 1,857 |
| Net interest margin | 3.0429% | 6,806 |
| Noninterest income to average assets | 0.1895% | 7,096 |
| Noninterest expense to average assets | 2.0908% | 7,256 |
| Loan and lease loss provision to assets | 0.0947% | 6,176 |
| Net operating income to assets | 0.6089% | 4,262 |
| Return on assets (ROA) | 0.6089% | 4,130 |
| Pretax return on assets | 0.9254% | 3,639 |
| Return on Equity (ROE) | 5.6112% | 4,112 |
| Retained earnings to average equity (ytd only) | 5.6112% | 1,708 |
| Net charge-offs to loans | 0.0701% | 5,768 |
| Credit loss provision to net charge-offs | 159.5745% | 3,238 |
| Earnings coverage of net charge-offs (x) | 17.1809% | 1,792 |
| Efficiency ratio | 67.2081% | 4,873 |
| Assets per employee ($millions) | 4.9228% | 2,030 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6811% | 7,477 |
| Loan loss allowance to noncurrent loans | 110.9394% | 3,152 |
| Noncurrent assets plus other real estate owned to assets | 0.5756% | 5,461 |
| Noncurrent loans to loans | 0.6139% | 5,531 |
| Net loans and leases to total assets | 83.7491% | 927 |
| Net loans and leases to deposits | 109.1690% | 889 |
| Net loans and leases to core deposits | 131.9455% | 1,727 |
| Total domestic deposits to total assets | 76.7151% | 6,065 |
| Equity capital to assets | 10.8887% | 3,127 |
| Core capital (leverage) ratio | 10.8613% | 2,699 |
| Tier 1 risk-based capital ratio | 18.3088% | 1,957 |
| Total risk-based capital ratio | 19.2744% | 1,984 |
| Memoranda: | ||
| Average total assets | $158,311,800 | 3,752 |
| Average earning assets | $151,994,400 | 3,616 |
| Average equity | $17,180,000 | 3,703 |
| Average total loans | $134,032,200 | 3,196 |