Home > Hanover Community Bank > Performance and Condition Ratios
Hanover Community Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5992% | 1,033 |
| Cost of funding earning assets | 2.9785% | 152 |
| Net interest margin | 2.6207% | 3,940 |
| Noninterest income to average assets | 0.5000% | 1,995 |
| Noninterest expense to average assets | 1.9790% | 3,682 |
| Loan and lease loss provision to assets | 0.1000% | 1,286 |
| Net operating income to assets | 0.7000% | 3,198 |
| Return on assets (ROA) | 0.7000% | 3,169 |
| Pretax return on assets | 0.9351% | 2,860 |
| Return on Equity (ROE) | 7.1900% | 3,235 |
| Retained earnings to average equity (ytd only) | 4.8153% | 2,669 |
| Net charge-offs to loans | 0.0528% | 1,344 |
| Credit loss provision to net charge-offs | 219.3416% | 1,156 |
| Earnings coverage of net charge-offs (x) | 22.5761% | 1,813 |
| Efficiency ratio | 65.6454% | 2,391 |
| Assets per employee ($millions) | 12.9670% | 329 |
| Cash dividends to net income (ytd only)* | 33.0322% | 2,434 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0001% | 3,301 |
| Loan loss allowance to noncurrent loans | 136.0321% | 2,964 |
| Noncurrent assets plus other real estate owned to assets | 0.6368% | 852 |
| Noncurrent loans to loans | 0.7352% | 1,062 |
| Net loans and leases to total assets | 85.7500% | 174 |
| Net loans and leases to deposits | 102.1491% | 426 |
| Net loans and leases to core deposits | 114.0844% | 813 |
| Total domestic deposits to total assets | 83.9500% | 2,637 |
| Equity capital to assets | 9.1919% | 2,552 |
| Core capital (leverage) ratio | 9.0836% | 3,668 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3061% | 1,759 |
| Memoranda: | ||
| Average total assets | $2,118,764,200 | 545 |
| Average earning assets | $2,029,341,600 | 513 |
| Average equity | $206,258,600 | 525 |
| Average total loans | $1,839,554,200 | 431 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5199% | 985 |
| Cost of funding earning assets | 2.8294% | 148 |
| Net interest margin | 2.6905% | 3,895 |
| Noninterest income to average assets | 0.4800% | 2,060 |
| Noninterest expense to average assets | 2.0055% | 3,583 |
| Loan and lease loss provision to assets | 0.1200% | 978 |
| Net operating income to assets | 0.6895% | 3,348 |
| Return on assets (ROA) | 0.6895% | 3,330 |
| Pretax return on assets | 0.9225% | 3,052 |
| Return on Equity (ROE) | 6.9800% | 3,437 |
| Retained earnings to average equity (ytd only) | 4.5138% | 3,094 |
| Net charge-offs to loans | 0.1216% | 662 |
| Credit loss provision to net charge-offs | 117.1619% | 1,501 |
| Earnings coverage of net charge-offs (x) | 9.9042% | 2,148 |
| Efficiency ratio | 65.7150% | 2,307 |
| Assets per employee ($millions) | 12.2085% | 356 |
| Cash dividends to net income (ytd only)* | 35.3061% | 1,851 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7834% | 4,010 |
| Loan loss allowance to noncurrent loans | 97.5101% | 3,229 |
| Noncurrent assets plus other real estate owned to assets | 0.7009% | 806 |
| Noncurrent loans to loans | 0.8034% | 1,035 |
| Net loans and leases to total assets | 86.5600% | 134 |
| Net loans and leases to deposits | 107.1481% | 268 |
| Net loans and leases to core deposits | 123.6759% | 466 |
| Total domestic deposits to total assets | 80.7800% | 3,418 |
| Equity capital to assets | 9.7526% | 1,956 |
| Core capital (leverage) ratio | 9.1640% | 3,627 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6006% | 1,682 |
| Memoranda: | ||
| Average total assets | $2,081,148,500 | 555 |
| Average earning assets | $1,992,039,250 | 524 |
| Average equity | $205,677,250 | 523 |
| Average total loans | $1,808,060,000 | 439 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4372% | 915 |
| Cost of funding earning assets | 2.5828% | 163 |
| Net interest margin | 2.8544% | 3,722 |
| Noninterest income to average assets | 0.3600% | 2,698 |
| Noninterest expense to average assets | 2.0443% | 3,477 |
| Loan and lease loss provision to assets | 0.1400% | 795 |
| Net operating income to assets | 0.6745% | 3,398 |
| Return on assets (ROA) | 0.6745% | 3,400 |
| Pretax return on assets | 0.9087% | 3,144 |
| Return on Equity (ROE) | 6.7900% | 3,525 |
| Retained earnings to average equity (ytd only) | 4.6412% | 3,043 |
| Net charge-offs to loans | 0.0523% | 992 |
| Credit loss provision to net charge-offs | 306.6381% | 854 |
| Earnings coverage of net charge-offs (x) | 23.0942% | 1,681 |
| Efficiency ratio | 66.1137% | 2,223 |
| Assets per employee ($millions) | 11.9841% | 376 |
| Cash dividends to net income (ytd only)* | 31.6866% | 2,030 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8428% | 3,923 |
| Loan loss allowance to noncurrent loans | 142.5035% | 2,960 |
| Noncurrent assets plus other real estate owned to assets | 0.5084% | 1,068 |
| Noncurrent loans to loans | 0.5914% | 1,267 |
| Net loans and leases to total assets | 85.2400% | 189 |
| Net loans and leases to deposits | 113.4549% | 157 |
| Net loans and leases to core deposits | 126.2514% | 380 |
| Total domestic deposits to total assets | 75.1300% | 4,106 |
| Equity capital to assets | 9.7592% | 1,993 |
| Core capital (leverage) ratio | 9.1604% | 3,592 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2393% | 1,804 |
| Memoranda: | ||
| Average total assets | $2,058,634,667 | 546 |
| Average earning assets | $1,968,622,667 | 520 |
| Average equity | $204,385,000 | 514 |
| Average total loans | $1,785,892,667 | 427 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1723% | 992 |
| Cost of funding earning assets | 2.2297% | 183 |
| Net interest margin | 2.9426% | 3,716 |
| Noninterest income to average assets | 0.3500% | 2,725 |
| Noninterest expense to average assets | 2.0721% | 3,444 |
| Loan and lease loss provision to assets | 0.1800% | 597 |
| Net operating income to assets | 0.6988% | 3,470 |
| Return on assets (ROA) | 0.6988% | 3,418 |
| Pretax return on assets | 0.9034% | 3,232 |
| Return on Equity (ROE) | 6.9800% | 3,521 |
| Retained earnings to average equity (ytd only) | 4.0222% | 3,266 |
| Net charge-offs to loans | 0.1034% | 586 |
| Credit loss provision to net charge-offs | 203.9387% | 818 |
| Earnings coverage of net charge-offs (x) | 12.0591% | 1,620 |
| Efficiency ratio | 65.5842% | 2,258 |
| Assets per employee ($millions) | 12.2566% | 371 |
| Cash dividends to net income (ytd only)* | 42.3490% | 1,393 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8325% | 4,029 |
| Loan loss allowance to noncurrent loans | 134.8835% | 3,084 |
| Noncurrent assets plus other real estate owned to assets | 0.5325% | 973 |
| Noncurrent loans to loans | 0.6172% | 1,214 |
| Net loans and leases to total assets | 85.5700% | 151 |
| Net loans and leases to deposits | 103.7597% | 307 |
| Net loans and leases to core deposits | 115.2242% | 554 |
| Total domestic deposits to total assets | 82.4700% | 3,410 |
| Equity capital to assets | 9.8668% | 1,889 |
| Core capital (leverage) ratio | 9.7868% | 2,902 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9304% | 1,996 |
| Memoranda: | ||
| Average total assets | $2,027,361,500 | 569 |
| Average earning assets | $1,938,024,500 | 541 |
| Average equity | $203,072,000 | 530 |
| Average total loans | $1,767,087,500 | 439 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6517% | 559 |
| Cost of funding earning assets | 0.7380% | 498 |
| Net interest margin | 3.9137% | 926 |
| Noninterest income to average assets | 0.4700% | 2,269 |
| Noninterest expense to average assets | 2.1007% | 3,291 |
| Loan and lease loss provision to assets | 0.3000% | 278 |
| Net operating income to assets | 1.3986% | 1,136 |
| Return on assets (ROA) | 1.4036% | 1,083 |
| Pretax return on assets | 1.8095% | 717 |
| Return on Equity (ROE) | 13.0100% | 1,807 |
| Retained earnings to average equity (ytd only) | 11.9552% | 673 |
| Net charge-offs to loans | 0.0022% | 2,449 |
| Credit loss provision to net charge-offs | 15,781.2500% | 49 |
| Earnings coverage of net charge-offs (x) | 1,100.9063% | 165 |
| Efficiency ratio | 49.9481% | 4,130 |
| Assets per employee ($millions) | 11.6668% | 431 |
| Cash dividends to net income (ytd only)* | 8.0885% | 3,295 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8246% | 3,978 |
| Loan loss allowance to noncurrent loans | 122.0885% | 3,176 |
| Noncurrent assets plus other real estate owned to assets | 0.5949% | 842 |
| Noncurrent loans to loans | 0.6754% | 1,108 |
| Net loans and leases to total assets | 87.3500% | 92 |
| Net loans and leases to deposits | 114.1217% | 116 |
| Net loans and leases to core deposits | 123.0380% | 319 |
| Total domestic deposits to total assets | 76.5400% | 4,220 |
| Equity capital to assets | 10.1730% | 1,623 |
| Core capital (leverage) ratio | 10.3409% | 2,324 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2974% | 1,534 |
| Memoranda: | ||
| Average total assets | $1,673,567,800 | 645 |
| Average earning assets | $1,599,099,000 | 617 |
| Average equity | $180,591,200 | 573 |
| Average total loans | $1,470,518,600 | 489 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5275% | 477 |
| Cost of funding earning assets | 0.4218% | 1,145 |
| Net interest margin | 4.1057% | 509 |
| Noninterest income to average assets | 0.5300% | 2,002 |
| Noninterest expense to average assets | 2.2470% | 2,799 |
| Loan and lease loss provision to assets | 0.3000% | 236 |
| Net operating income to assets | 1.4848% | 884 |
| Return on assets (ROA) | 1.4917% | 851 |
| Pretax return on assets | 1.9241% | 550 |
| Return on Equity (ROE) | 13.5800% | 1,549 |
| Retained earnings to average equity (ytd only) | 13.2784% | 571 |
| Net charge-offs to loans | 0.0088% | 1,805 |
| Credit loss provision to net charge-offs | 3,858.6957% | 147 |
| Earnings coverage of net charge-offs (x) | 287.8152% | 486 |
| Efficiency ratio | 50.3934% | 4,136 |
| Assets per employee ($millions) | 11.3575% | 462 |
| Cash dividends to net income (ytd only)* | 2.2399% | 3,045 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7911% | 4,116 |
| Loan loss allowance to noncurrent loans | 95.0562% | 3,411 |
| Noncurrent assets plus other real estate owned to assets | 0.7344% | 697 |
| Noncurrent loans to loans | 0.8323% | 945 |
| Net loans and leases to total assets | 87.5400% | 71 |
| Net loans and leases to deposits | 105.3832% | 200 |
| Net loans and leases to core deposits | 111.8536% | 416 |
| Total domestic deposits to total assets | 83.0700% | 3,679 |
| Equity capital to assets | 10.7228% | 1,282 |
| Core capital (leverage) ratio | 10.9028% | 1,808 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3210% | 1,333 |
| Memoranda: | ||
| Average total assets | $1,596,121,250 | 674 |
| Average earning assets | $1,525,876,250 | 652 |
| Average equity | $175,297,250 | 596 |
| Average total loans | $1,401,445,750 | 501 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4560% | 400 |
| Cost of funding earning assets | 0.2725% | 1,996 |
| Net interest margin | 4.1836% | 348 |
| Noninterest income to average assets | 0.5804% | 1,827 |
| Noninterest expense to average assets | 2.3874% | 2,269 |
| Loan and lease loss provision to assets | 0.1980% | 417 |
| Net operating income to assets | 1.5388% | 637 |
| Return on assets (ROA) | 1.5497% | 603 |
| Pretax return on assets | 2.0002% | 380 |
| Return on Equity (ROE) | 13.9766% | 1,119 |
| Retained earnings to average equity (ytd only) | 13.5003% | 411 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.2207% | 4,115 |
| Assets per employee ($millions) | 10.4527% | 576 |
| Cash dividends to net income (ytd only)* | 3.4077% | 2,892 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7689% | 4,224 |
| Loan loss allowance to noncurrent loans | 79.2978% | 3,549 |
| Noncurrent assets plus other real estate owned to assets | 0.8528% | 609 |
| Noncurrent loans to loans | 0.9696% | 859 |
| Net loans and leases to total assets | 87.2754% | 61 |
| Net loans and leases to deposits | 104.0155% | 167 |
| Net loans and leases to core deposits | 109.6326% | 359 |
| Total domestic deposits to total assets | 83.9061% | 3,703 |
| Equity capital to assets | 11.8700% | 918 |
| Core capital (leverage) ratio | 11.6428% | 1,286 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3189% | 1,116 |
| Memoranda: | ||
| Average total assets | $1,514,855,667 | 692 |
| Average earning assets | $1,445,272,667 | 679 |
| Average equity | $167,966,333 | 629 |
| Average total loans | $1,327,417,333 | 518 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5589% | 279 |
| Cost of funding earning assets | 0.2468% | 2,193 |
| Net interest margin | 4.3121% | 234 |
| Noninterest income to average assets | 0.6997% | 1,317 |
| Noninterest expense to average assets | 2.5506% | 1,747 |
| Loan and lease loss provision to assets | 0.1363% | 590 |
| Net operating income to assets | 1.6448% | 460 |
| Return on assets (ROA) | 1.6674% | 440 |
| Pretax return on assets | 2.1515% | 271 |
| Return on Equity (ROE) | 15.6433% | 566 |
| Retained earnings to average equity (ytd only) | 15.6433% | 250 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.0292% | 4,120 |
| Assets per employee ($millions) | 9.7149% | 728 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7669% | 4,293 |
| Loan loss allowance to noncurrent loans | 82.7073% | 3,537 |
| Noncurrent assets plus other real estate owned to assets | 0.8095% | 681 |
| Noncurrent loans to loans | 0.9273% | 982 |
| Net loans and leases to total assets | 86.6246% | 43 |
| Net loans and leases to deposits | 103.9474% | 118 |
| Net loans and leases to core deposits | 109.9942% | 260 |
| Total domestic deposits to total assets | 83.3350% | 3,896 |
| Equity capital to assets | 10.8033% | 1,438 |
| Core capital (leverage) ratio | 10.0586% | 2,226 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8513% | 1,546 |
| Memoranda: | ||
| Average total assets | $1,467,422,500 | 712 |
| Average earning assets | $1,398,666,500 | 695 |
| Average equity | $156,412,500 | 692 |
| Average total loans | $1,283,237,500 | 528 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7013% | 419 |
| Cost of funding earning assets | 0.4071% | 1,498 |
| Net interest margin | 4.2941% | 409 |
| Noninterest income to average assets | 0.4158% | 2,971 |
| Noninterest expense to average assets | 2.6137% | 1,832 |
| Loan and lease loss provision to assets | 0.1440% | 827 |
| Net operating income to assets | 1.3359% | 1,491 |
| Return on assets (ROA) | 1.3510% | 1,477 |
| Pretax return on assets | 1.7532% | 1,017 |
| Return on Equity (ROE) | 13.0610% | 1,443 |
| Retained earnings to average equity (ytd only) | 13.0610% | 392 |
| Net charge-offs to loans | 0.0369% | 1,510 |
| Credit loss provision to net charge-offs | 458.0153% | 841 |
| Earnings coverage of net charge-offs (x) | 59.7481% | 1,178 |
| Efficiency ratio | 58.1898% | 3,418 |
| Assets per employee ($millions) | 10.4905% | 582 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7348% | 4,372 |
| Loan loss allowance to noncurrent loans | 108.9369% | 3,319 |
| Noncurrent assets plus other real estate owned to assets | 0.5909% | 1,117 |
| Noncurrent loans to loans | 0.6745% | 1,482 |
| Net loans and leases to total assets | 86.9610% | 47 |
| Net loans and leases to deposits | 107.6898% | 96 |
| Net loans and leases to core deposits | 115.4913% | 210 |
| Total domestic deposits to total assets | 80.7514% | 4,136 |
| Equity capital to assets | 10.5128% | 2,165 |
| Core capital (leverage) ratio | 9.9177% | 2,446 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5158% | 1,683 |
| Memoranda: | ||
| Average total assets | $1,250,315,800 | 799 |
| Average earning assets | $1,186,786,200 | 782 |
| Average equity | $129,332,000 | 802 |
| Average total loans | $1,063,819,000 | 621 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5964% | 576 |
| Cost of funding earning assets | 0.4475% | 1,369 |
| Net interest margin | 4.1490% | 601 |
| Noninterest income to average assets | 0.3141% | 3,542 |
| Noninterest expense to average assets | 2.7164% | 1,548 |
| Loan and lease loss provision to assets | 0.1001% | 1,203 |
| Net operating income to assets | 1.1026% | 2,547 |
| Return on assets (ROA) | 1.1237% | 2,530 |
| Pretax return on assets | 1.4590% | 2,118 |
| Return on Equity (ROE) | 10.9180% | 2,394 |
| Retained earnings to average equity (ytd only) | 10.9180% | 1,079 |
| Net charge-offs to loans | 0.0431% | 1,244 |
| Credit loss provision to net charge-offs | 275.2294% | 1,044 |
| Earnings coverage of net charge-offs (x) | 42.1193% | 1,336 |
| Efficiency ratio | 63.9337% | 2,396 |
| Assets per employee ($millions) | 10.9165% | 483 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6857% | 4,524 |
| Loan loss allowance to noncurrent loans | 89.5779% | 3,514 |
| Noncurrent assets plus other real estate owned to assets | 0.6431% | 1,182 |
| Noncurrent loans to loans | 0.7655% | 1,477 |
| Net loans and leases to total assets | 83.4258% | 129 |
| Net loans and leases to deposits | 106.2941% | 130 |
| Net loans and leases to core deposits | 115.6706% | 230 |
| Total domestic deposits to total assets | 78.4858% | 4,375 |
| Equity capital to assets | 9.8497% | 3,054 |
| Core capital (leverage) ratio | 9.4513% | 3,063 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5854% | 1,770 |
| Memoranda: | ||
| Average total assets | $1,198,349,750 | 840 |
| Average earning assets | $1,136,481,000 | 823 |
| Average equity | $123,341,000 | 854 |
| Average total loans | $1,010,415,250 | 669 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1026% | 1,345 |
| Cost of funding earning assets | 0.4814% | 1,311 |
| Net interest margin | 3.6213% | 1,541 |
| Noninterest income to average assets | 0.1999% | 4,201 |
| Noninterest expense to average assets | 2.9845% | 1,014 |
| Loan and lease loss provision to assets | 0.0363% | 2,266 |
| Net operating income to assets | 0.2754% | 4,552 |
| Return on assets (ROA) | 0.3098% | 4,538 |
| Pretax return on assets | 0.6513% | 4,158 |
| Return on Equity (ROE) | 2.9614% | 4,482 |
| Retained earnings to average equity (ytd only) | 2.9614% | 3,850 |
| Net charge-offs to loans | 0.0702% | 930 |
| Credit loss provision to net charge-offs | 61.1621% | 1,555 |
| Earnings coverage of net charge-offs (x) | 10.8593% | 1,786 |
| Efficiency ratio | 82.2512% | 654 |
| Assets per employee ($millions) | 11.0864% | 446 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6053% | 4,654 |
| Loan loss allowance to noncurrent loans | 75.4347% | 3,640 |
| Noncurrent assets plus other real estate owned to assets | 0.6755% | 1,221 |
| Noncurrent loans to loans | 0.8025% | 1,525 |
| Net loans and leases to total assets | 83.6654% | 145 |
| Net loans and leases to deposits | 111.0923% | 104 |
| Net loans and leases to core deposits | 122.9344% | 184 |
| Total domestic deposits to total assets | 75.3116% | 4,600 |
| Equity capital to assets | 8.9296% | 3,858 |
| Core capital (leverage) ratio | 11.1843% | 1,495 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9995% | 1,975 |
| Memoranda: | ||
| Average total assets | $1,102,775,333 | 892 |
| Average earning assets | $1,044,106,333 | 871 |
| Average equity | $115,350,000 | 902 |
| Average total loans | $931,512,000 | 721 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4655% | 817 |
| Cost of funding earning assets | 0.5960% | 884 |
| Net interest margin | 3.8695% | 1,034 |
| Noninterest income to average assets | 0.2046% | 4,158 |
| Noninterest expense to average assets | 2.5910% | 1,907 |
| Loan and lease loss provision to assets | 0.0905% | 1,466 |
| Net operating income to assets | 0.9596% | 2,932 |
| Return on assets (ROA) | 1.0466% | 2,731 |
| Pretax return on assets | 1.3109% | 2,538 |
| Return on Equity (ROE) | 8.8734% | 3,075 |
| Retained earnings to average equity (ytd only) | 8.8734% | 1,988 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7133% | 2,121 |
| Assets per employee ($millions) | 8.9943% | 835 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0699% | 3,575 |
| Loan loss allowance to noncurrent loans | 84.5637% | 3,539 |
| Noncurrent assets plus other real estate owned to assets | 1.0862% | 739 |
| Noncurrent loans to loans | 1.2652% | 1,022 |
| Net loans and leases to total assets | 84.9374% | 115 |
| Net loans and leases to deposits | 105.0467% | 185 |
| Net loans and leases to core deposits | 114.3353% | 316 |
| Total domestic deposits to total assets | 80.8568% | 4,087 |
| Equity capital to assets | 11.8412% | 1,366 |
| Core capital (leverage) ratio | 11.9995% | 1,169 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.4892% | 554 |
| Memoranda: | ||
| Average total assets | $883,657,500 | 1,056 |
| Average earning assets | $840,221,500 | 1,035 |
| Average equity | $104,222,000 | 975 |
| Average total loans | $748,695,500 | 851 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7653% | 779 |
| Cost of funding earning assets | 1.2687% | 205 |
| Net interest margin | 3.4966% | 2,490 |
| Noninterest income to average assets | 0.1107% | 4,707 |
| Noninterest expense to average assets | 2.4818% | 2,901 |
| Loan and lease loss provision to assets | 0.1561% | 2,419 |
| Net operating income to assets | 0.6418% | 3,622 |
| Return on assets (ROA) | 0.6418% | 3,745 |
| Pretax return on assets | 0.7986% | 3,630 |
| Return on Equity (ROE) | 6.0341% | 3,577 |
| Retained earnings to average equity (ytd only) | 6.0341% | 1,780 |
| Net charge-offs to loans | 0.0714% | 1,771 |
| Credit loss provision to net charge-offs | 262.6459% | 1,878 |
| Earnings coverage of net charge-offs (x) | 16.0623% | 2,150 |
| Efficiency ratio | 72.2179% | 1,655 |
| Assets per employee ($millions) | 8.9478% | 751 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0887% | 3,516 |
| Loan loss allowance to noncurrent loans | 182.5440% | 2,496 |
| Noncurrent assets plus other real estate owned to assets | 0.4985% | 2,072 |
| Noncurrent loans to loans | 0.5964% | 2,206 |
| Net loans and leases to total assets | 82.6704% | 248 |
| Net loans and leases to deposits | 105.0523% | 244 |
| Net loans and leases to core deposits | 118.8007% | 326 |
| Total domestic deposits to total assets | 78.6945% | 4,234 |
| Equity capital to assets | 11.7468% | 1,705 |
| Core capital (leverage) ratio | 12.0440% | 1,226 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.7485% | 523 |
| Memoranda: | ||
| Average total assets | $864,736,800 | 997 |
| Average earning assets | $822,502,600 | 982 |
| Average equity | $91,977,200 | 1,038 |
| Average total loans | $719,845,400 | 856 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8318% | 838 |
| Cost of funding earning assets | 1.4064% | 165 |
| Net interest margin | 3.4255% | 2,830 |
| Noninterest income to average assets | 0.1040% | 4,745 |
| Noninterest expense to average assets | 2.4557% | 2,977 |
| Loan and lease loss provision to assets | 0.1935% | 2,043 |
| Net operating income to assets | 0.5774% | 3,838 |
| Return on assets (ROA) | 0.5774% | 3,933 |
| Pretax return on assets | 0.7125% | 3,875 |
| Return on Equity (ROE) | 5.5771% | 3,695 |
| Retained earnings to average equity (ytd only) | 5.5771% | 2,293 |
| Net charge-offs to loans | 0.0975% | 1,332 |
| Credit loss provision to net charge-offs | 238.5496% | 1,967 |
| Earnings coverage of net charge-offs (x) | 11.1737% | 2,311 |
| Efficiency ratio | 73.0507% | 1,517 |
| Assets per employee ($millions) | 9.0596% | 683 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0854% | 3,283 |
| Loan loss allowance to noncurrent loans | 630.0240% | 880 |
| Noncurrent assets plus other real estate owned to assets | 0.1467% | 3,683 |
| Noncurrent loans to loans | 0.1723% | 3,694 |
| Net loans and leases to total assets | 84.2115% | 262 |
| Net loans and leases to deposits | 107.7977% | 273 |
| Net loans and leases to core deposits | 122.4014% | 368 |
| Total domestic deposits to total assets | 78.1199% | 4,180 |
| Equity capital to assets | 10.7787% | 2,563 |
| Core capital (leverage) ratio | 11.2224% | 1,745 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.5743% | 716 |
| Memoranda: | ||
| Average total assets | $861,700,250 | 990 |
| Average earning assets | $819,488,250 | 971 |
| Average equity | $89,220,000 | 1,053 |
| Average total loans | $716,581,250 | 854 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8450% | 1,065 |
| Cost of funding earning assets | 1.5750% | 127 |
| Net interest margin | 3.2700% | 3,463 |
| Noninterest income to average assets | 0.1242% | 4,681 |
| Noninterest expense to average assets | 2.3809% | 3,302 |
| Loan and lease loss provision to assets | 0.2659% | 1,602 |
| Net operating income to assets | 0.4645% | 4,099 |
| Return on assets (ROA) | 0.4645% | 4,164 |
| Pretax return on assets | 0.5898% | 4,083 |
| Return on Equity (ROE) | 4.5472% | 3,960 |
| Retained earnings to average equity (ytd only) | 4.5472% | 2,684 |
| Net charge-offs to loans | 0.0841% | 1,404 |
| Credit loss provision to net charge-offs | 383.3333% | 1,438 |
| Earnings coverage of net charge-offs (x) | 12.3367% | 2,062 |
| Efficiency ratio | 73.5624% | 1,504 |
| Assets per employee ($millions) | 9.6323% | 562 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1047% | 3,024 |
| Loan loss allowance to noncurrent loans | 230.5451% | 1,931 |
| Noncurrent assets plus other real estate owned to assets | 0.4137% | 2,640 |
| Noncurrent loans to loans | 0.4792% | 2,713 |
| Net loans and leases to total assets | 85.3834% | 164 |
| Net loans and leases to deposits | 108.4170% | 259 |
| Net loans and leases to core deposits | 125.3027% | 323 |
| Total domestic deposits to total assets | 78.7547% | 4,074 |
| Equity capital to assets | 10.7151% | 2,557 |
| Core capital (leverage) ratio | 10.2109% | 2,626 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.2904% | 738 |
| Memoranda: | ||
| Average total assets | $865,065,000 | 970 |
| Average earning assets | $823,357,000 | 945 |
| Average equity | $88,362,667 | 1,051 |
| Average total loans | $713,768,667 | 844 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9142% | 1,158 |
| Cost of funding earning assets | 1.6934% | 136 |
| Net interest margin | 3.2209% | 3,804 |
| Noninterest income to average assets | 0.1990% | 4,362 |
| Noninterest expense to average assets | 2.5637% | 3,091 |
| Loan and lease loss provision to assets | 0.4553% | 660 |
| Net operating income to assets | 0.1930% | 4,539 |
| Return on assets (ROA) | 0.1930% | 4,551 |
| Pretax return on assets | 0.2481% | 4,522 |
| Return on Equity (ROE) | 1.9350% | 4,457 |
| Retained earnings to average equity (ytd only) | 1.9350% | 3,468 |
| Net charge-offs to loans | 0.1693% | 784 |
| Credit loss provision to net charge-offs | 333.3333% | 1,098 |
| Earnings coverage of net charge-offs (x) | 5.1500% | 2,082 |
| Efficiency ratio | 78.4699% | 1,283 |
| Assets per employee ($millions) | 9.3292% | 469 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1292% | 3,053 |
| Loan loss allowance to noncurrent loans | 387.1175% | 1,215 |
| Noncurrent assets plus other real estate owned to assets | 0.2262% | 3,566 |
| Noncurrent loans to loans | 0.2917% | 3,457 |
| Net loans and leases to total assets | 76.6748% | 1,190 |
| Net loans and leases to deposits | 95.6463% | 945 |
| Net loans and leases to core deposits | 114.2294% | 656 |
| Total domestic deposits to total assets | 80.1649% | 3,829 |
| Equity capital to assets | 9.8231% | 3,938 |
| Core capital (leverage) ratio | 9.7638% | 3,692 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.5153% | 800 |
| Memoranda: | ||
| Average total assets | $878,590,500 | 933 |
| Average earning assets | $836,919,000 | 905 |
| Average equity | $87,647,000 | 1,053 |
| Average total loans | $708,894,000 | 827 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1631% | 1,079 |
| Cost of funding earning assets | 1.7200% | 183 |
| Net interest margin | 3.4431% | 3,613 |
| Noninterest income to average assets | 0.5504% | 2,480 |
| Noninterest expense to average assets | 2.3333% | 3,861 |
| Loan and lease loss provision to assets | 0.0569% | 2,895 |
| Net operating income to assets | 1.1015% | 2,444 |
| Return on assets (ROA) | 1.1015% | 2,539 |
| Pretax return on assets | 1.4399% | 2,009 |
| Return on Equity (ROE) | 10.2045% | 2,201 |
| Retained earnings to average equity (ytd only) | 10.2045% | 454 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9203% | 3,548 |
| Assets per employee ($millions) | 8.9747% | 505 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9876% | 3,585 |
| Loan loss allowance to noncurrent loans | 672.5989% | 768 |
| Noncurrent assets plus other real estate owned to assets | 0.1233% | 4,025 |
| Noncurrent loans to loans | 0.1468% | 3,940 |
| Net loans and leases to total assets | 83.1150% | 413 |
| Net loans and leases to deposits | 106.8043% | 269 |
| Net loans and leases to core deposits | 125.7588% | 352 |
| Total domestic deposits to total assets | 77.8199% | 4,389 |
| Equity capital to assets | 10.1347% | 3,801 |
| Core capital (leverage) ratio | 10.1103% | 3,402 |
| Tier 1 risk-based capital ratio | 18.4288% | 1,655 |
| Total risk-based capital ratio | 19.6829% | 1,624 |
| Memoranda: | ||
| Average total assets | $747,261,400 | 1,028 |
| Average earning assets | $711,806,200 | 1,000 |
| Average equity | $80,660,400 | 1,085 |
| Average total loans | $642,248,000 | 862 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1180% | 1,250 |
| Cost of funding earning assets | 1.7029% | 200 |
| Net interest margin | 3.4151% | 3,825 |
| Noninterest income to average assets | 0.6323% | 2,062 |
| Noninterest expense to average assets | 2.2789% | 4,008 |
| Loan and lease loss provision to assets | 0.0788% | 2,331 |
| Net operating income to assets | 1.1658% | 2,316 |
| Return on assets (ROA) | 1.1658% | 2,403 |
| Pretax return on assets | 1.5322% | 1,863 |
| Return on Equity (ROE) | 10.6062% | 2,166 |
| Retained earnings to average equity (ytd only) | 10.6062% | 599 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5845% | 3,852 |
| Assets per employee ($millions) | 8.3219% | 616 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9915% | 3,615 |
| Loan loss allowance to noncurrent loans | 318.5995% | 1,439 |
| Noncurrent assets plus other real estate owned to assets | 0.2641% | 3,502 |
| Noncurrent loans to loans | 0.3112% | 3,410 |
| Net loans and leases to total assets | 84.0325% | 353 |
| Net loans and leases to deposits | 109.4934% | 234 |
| Net loans and leases to core deposits | 127.3755% | 345 |
| Total domestic deposits to total assets | 76.7467% | 4,549 |
| Equity capital to assets | 10.0389% | 3,978 |
| Core capital (leverage) ratio | 10.4665% | 3,133 |
| Tier 1 risk-based capital ratio | 17.8136% | 1,872 |
| Total risk-based capital ratio | 19.0674% | 1,814 |
| Memoranda: | ||
| Average total assets | $718,683,000 | 1,051 |
| Average earning assets | $685,569,500 | 1,023 |
| Average equity | $78,996,000 | 1,100 |
| Average total loans | $621,999,750 | 887 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0955% | 1,230 |
| Cost of funding earning assets | 1.6815% | 195 |
| Net interest margin | 3.4139% | 3,849 |
| Noninterest income to average assets | 0.7366% | 1,577 |
| Noninterest expense to average assets | 2.1081% | 4,404 |
| Loan and lease loss provision to assets | 0.1259% | 1,481 |
| Net operating income to assets | 1.3911% | 1,457 |
| Return on assets (ROA) | 1.3911% | 1,513 |
| Pretax return on assets | 1.7622% | 1,142 |
| Return on Equity (ROE) | 12.2122% | 1,500 |
| Retained earnings to average equity (ytd only) | 12.2122% | 383 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.7533% | 4,586 |
| Assets per employee ($millions) | 8.8095% | 506 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1568% | 2,760 |
| Loan loss allowance to noncurrent loans | 1,128.4360% | 539 |
| Noncurrent assets plus other real estate owned to assets | 0.0898% | 4,323 |
| Noncurrent loans to loans | 0.1025% | 4,208 |
| Net loans and leases to total assets | 86.6017% | 172 |
| Net loans and leases to deposits | 117.9100% | 106 |
| Net loans and leases to core deposits | 141.8059% | 182 |
| Total domestic deposits to total assets | 73.4473% | 4,869 |
| Equity capital to assets | 11.2519% | 2,814 |
| Core capital (leverage) ratio | 11.5045% | 2,163 |
| Tier 1 risk-based capital ratio | 21.3528% | 1,136 |
| Total risk-based capital ratio | 22.6118% | 1,115 |
| Memoranda: | ||
| Average total assets | $675,298,330 | 1,105 |
| Average earning assets | $644,769,000 | 1,069 |
| Average equity | $76,923,330 | 1,118 |
| Average total loans | $589,185,670 | 926 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0955% | 1,104 |
| Cost of funding earning assets | 1.6194% | 210 |
| Net interest margin | 3.4761% | 3,661 |
| Noninterest income to average assets | 0.8568% | 1,153 |
| Noninterest expense to average assets | 2.0401% | 4,577 |
| Loan and lease loss provision to assets | 0.1211% | 1,447 |
| Net operating income to assets | 1.5205% | 1,070 |
| Return on assets (ROA) | 1.5205% | 1,095 |
| Pretax return on assets | 2.0049% | 638 |
| Return on Equity (ROE) | 13.2619% | 1,142 |
| Retained earnings to average equity (ytd only) | 13.2619% | 433 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.9680% | 4,897 |
| Assets per employee ($millions) | 8.9284% | 493 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1847% | 2,665 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 86.1735% | 176 |
| Net loans and leases to deposits | 121.8353% | 72 |
| Net loans and leases to core deposits | 143.7133% | 162 |
| Total domestic deposits to total assets | 70.7294% | 5,090 |
| Equity capital to assets | 11.5026% | 2,398 |
| Core capital (leverage) ratio | 11.8832% | 1,846 |
| Tier 1 risk-based capital ratio | 21.6359% | 1,092 |
| Total risk-based capital ratio | 22.8952% | 1,075 |
| Memoranda: | ||
| Average total assets | $660,567,500 | 1,136 |
| Average earning assets | $628,870,000 | 1,098 |
| Average equity | $75,735,500 | 1,130 |
| Average total loans | $575,040,000 | 947 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0312% | 981 |
| Cost of funding earning assets | 1.4680% | 101 |
| Net interest margin | 3.5632% | 3,501 |
| Noninterest income to average assets | 0.6011% | 2,283 |
| Noninterest expense to average assets | 2.1083% | 4,543 |
| Loan and lease loss provision to assets | 0.2280% | 782 |
| Net operating income to assets | 1.2782% | 1,885 |
| Return on assets (ROA) | 1.2782% | 1,880 |
| Pretax return on assets | 1.6704% | 1,249 |
| Return on Equity (ROE) | 12.0150% | 1,708 |
| Retained earnings to average equity (ytd only) | 12.0150% | 320 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.6191% | 4,744 |
| Assets per employee ($millions) | 9.0487% | 459 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1867% | 2,641 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 85.8628% | 237 |
| Net loans and leases to deposits | 119.4439% | 103 |
| Net loans and leases to core deposits | 141.4993% | 185 |
| Total domestic deposits to total assets | 71.8855% | 5,078 |
| Equity capital to assets | 11.4268% | 2,313 |
| Core capital (leverage) ratio | 11.3045% | 2,266 |
| Tier 1 risk-based capital ratio | 21.0153% | 1,152 |
| Total risk-based capital ratio | 22.2739% | 1,140 |
| Memoranda: | ||
| Average total assets | $602,249,600 | 1,198 |
| Average earning assets | $575,607,200 | 1,168 |
| Average equity | $64,069,800 | 1,251 |
| Average total loans | $526,346,000 | 1,000 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9091% | 1,136 |
| Cost of funding earning assets | 1.4231% | 87 |
| Net interest margin | 3.4860% | 3,741 |
| Noninterest income to average assets | 0.5196% | 2,745 |
| Noninterest expense to average assets | 2.0580% | 4,630 |
| Loan and lease loss provision to assets | 0.2595% | 596 |
| Net operating income to assets | 1.1748% | 2,339 |
| Return on assets (ROA) | 1.1748% | 2,342 |
| Pretax return on assets | 1.5321% | 1,796 |
| Return on Equity (ROE) | 11.2735% | 2,061 |
| Retained earnings to average equity (ytd only) | 11.2735% | 596 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.4609% | 4,661 |
| Assets per employee ($millions) | 10.1557% | 309 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1553% | 2,879 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 85.4736% | 317 |
| Net loans and leases to deposits | 118.3601% | 122 |
| Net loans and leases to core deposits | 140.6480% | 206 |
| Total domestic deposits to total assets | 72.2149% | 5,114 |
| Equity capital to assets | 10.3981% | 3,234 |
| Core capital (leverage) ratio | 10.8462% | 2,738 |
| Tier 1 risk-based capital ratio | 19.0426% | 1,526 |
| Total risk-based capital ratio | 20.3005% | 1,498 |
| Memoranda: | ||
| Average total assets | $589,936,250 | 1,227 |
| Average earning assets | $563,538,750 | 1,196 |
| Average equity | $61,475,750 | 1,294 |
| Average total loans | $516,403,250 | 1,014 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8328% | 1,167 |
| Cost of funding earning assets | 1.3751% | 79 |
| Net interest margin | 3.4577% | 3,775 |
| Noninterest income to average assets | 0.4783% | 2,984 |
| Noninterest expense to average assets | 2.0824% | 4,645 |
| Loan and lease loss provision to assets | 0.2028% | 840 |
| Net operating income to assets | 1.1528% | 2,385 |
| Return on assets (ROA) | 1.1528% | 2,387 |
| Pretax return on assets | 1.4949% | 1,835 |
| Return on Equity (ROE) | 11.0532% | 2,088 |
| Retained earnings to average equity (ytd only) | 11.0532% | 657 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.0873% | 4,573 |
| Assets per employee ($millions) | 10.5702% | 269 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1194% | 3,155 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 86.8344% | 208 |
| Net loans and leases to deposits | 122.3585% | 86 |
| Net loans and leases to core deposits | 146.3529% | 147 |
| Total domestic deposits to total assets | 70.9672% | 5,235 |
| Equity capital to assets | 10.2363% | 3,403 |
| Core capital (leverage) ratio | 10.5804% | 2,944 |
| Tier 1 risk-based capital ratio | 18.0996% | 1,773 |
| Total risk-based capital ratio | 19.3563% | 1,730 |
| Memoranda: | ||
| Average total assets | $569,927,330 | 1,255 |
| Average earning assets | $544,240,330 | 1,231 |
| Average equity | $59,439,670 | 1,335 |
| Average total loans | $501,191,000 | 1,045 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7707% | 1,141 |
| Cost of funding earning assets | 1.3212% | 75 |
| Net interest margin | 3.4495% | 3,706 |
| Noninterest income to average assets | 0.5542% | 2,505 |
| Noninterest expense to average assets | 2.1667% | 4,498 |
| Loan and lease loss provision to assets | 0.1806% | 946 |
| Net operating income to assets | 1.1524% | 2,206 |
| Return on assets (ROA) | 1.1524% | 2,219 |
| Pretax return on assets | 1.4984% | 1,682 |
| Return on Equity (ROE) | 10.9392% | 1,998 |
| Retained earnings to average equity (ytd only) | 10.9392% | 912 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.3404% | 4,538 |
| Assets per employee ($millions) | 10.4829% | 274 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1194% | 3,269 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 87.3043% | 176 |
| Net loans and leases to deposits | 120.7382% | 108 |
| Net loans and leases to core deposits | 144.5202% | 172 |
| Total domestic deposits to total assets | 72.3087% | 5,265 |
| Equity capital to assets | 10.5391% | 3,039 |
| Core capital (leverage) ratio | 10.8222% | 2,609 |
| Tier 1 risk-based capital ratio | 18.7481% | 1,618 |
| Total risk-based capital ratio | 20.0052% | 1,577 |
| Memoranda: | ||
| Average total assets | $553,640,500 | 1,294 |
| Average earning assets | $528,310,000 | 1,270 |
| Average equity | $58,322,500 | 1,368 |
| Average total loans | $487,236,000 | 1,081 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5936% | 1,453 |
| Cost of funding earning assets | 1.2241% | 67 |
| Net interest margin | 3.3695% | 3,937 |
| Noninterest income to average assets | 0.3412% | 4,029 |
| Noninterest expense to average assets | 2.2114% | 4,502 |
| Loan and lease loss provision to assets | 0.3671% | 414 |
| Net operating income to assets | 0.4181% | 4,629 |
| Return on assets (ROA) | 0.4209% | 4,647 |
| Pretax return on assets | 0.9705% | 3,671 |
| Return on Equity (ROE) | 4.1983% | 4,442 |
| Retained earnings to average equity (ytd only) | 4.1983% | 2,648 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3858% | 3,879 |
| Assets per employee ($millions) | 9.6644% | 358 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1260% | 3,212 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 86.7182% | 209 |
| Net loans and leases to deposits | 118.0502% | 126 |
| Net loans and leases to core deposits | 139.1343% | 221 |
| Total domestic deposits to total assets | 73.4588% | 5,230 |
| Equity capital to assets | 10.5294% | 3,136 |
| Core capital (leverage) ratio | 10.9919% | 2,347 |
| Tier 1 risk-based capital ratio | 18.5563% | 1,633 |
| Total risk-based capital ratio | 19.8132% | 1,580 |
| Memoranda: | ||
| Average total assets | $463,059,600 | 1,501 |
| Average earning assets | $440,240,800 | 1,468 |
| Average equity | $46,423,000 | 1,622 |
| Average total loans | $396,076,400 | 1,240 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5109% | 1,614 |
| Cost of funding earning assets | 1.1943% | 69 |
| Net interest margin | 3.3166% | 4,113 |
| Noninterest income to average assets | 0.3508% | 4,024 |
| Noninterest expense to average assets | 2.2447% | 4,430 |
| Loan and lease loss provision to assets | 0.3457% | 434 |
| Net operating income to assets | 0.5670% | 4,519 |
| Return on assets (ROA) | 0.5670% | 4,558 |
| Pretax return on assets | 0.9094% | 4,013 |
| Return on Equity (ROE) | 5.7434% | 4,230 |
| Retained earnings to average equity (ytd only) | 5.7434% | 2,406 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1385% | 3,517 |
| Assets per employee ($millions) | 8.9531% | 447 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1074% | 3,444 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 85.4027% | 299 |
| Net loans and leases to deposits | 114.0528% | 181 |
| Net loans and leases to core deposits | 131.7302% | 314 |
| Total domestic deposits to total assets | 74.8799% | 5,139 |
| Equity capital to assets | 9.8151% | 4,130 |
| Core capital (leverage) ratio | 10.0573% | 3,496 |
| Tier 1 risk-based capital ratio | 16.5641% | 2,304 |
| Total risk-based capital ratio | 17.8194% | 2,255 |
| Memoranda: | ||
| Average total assets | $443,522,750 | 1,578 |
| Average earning assets | $421,102,750 | 1,542 |
| Average equity | $43,782,250 | 1,712 |
| Average total loans | $376,428,000 | 1,302 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4394% | 1,698 |
| Cost of funding earning assets | 1.1502% | 75 |
| Net interest margin | 3.2892% | 4,145 |
| Noninterest income to average assets | 0.3583% | 4,001 |
| Noninterest expense to average assets | 2.3143% | 4,305 |
| Loan and lease loss provision to assets | 0.3300% | 446 |
| Net operating income to assets | 0.5186% | 4,660 |
| Return on assets (ROA) | 0.5186% | 4,690 |
| Pretax return on assets | 0.8349% | 4,142 |
| Return on Equity (ROE) | 5.2415% | 4,374 |
| Retained earnings to average equity (ytd only) | 5.2415% | 2,553 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5176% | 3,259 |
| Assets per employee ($millions) | 9.5828% | 340 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1036% | 3,566 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 81.2638% | 776 |
| Net loans and leases to deposits | 106.9158% | 360 |
| Net loans and leases to core deposits | 120.9611% | 520 |
| Total domestic deposits to total assets | 76.0073% | 5,091 |
| Equity capital to assets | 9.2261% | 4,699 |
| Core capital (leverage) ratio | 9.8185% | 3,756 |
| Tier 1 risk-based capital ratio | 15.5761% | 2,675 |
| Total risk-based capital ratio | 16.8310% | 2,605 |
| Memoranda: | ||
| Average total assets | $424,239,670 | 1,637 |
| Average earning assets | $402,534,330 | 1,606 |
| Average equity | $41,973,000 | 1,781 |
| Average total loans | $357,577,330 | 1,369 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4496% | 1,500 |
| Cost of funding earning assets | 1.1153% | 89 |
| Net interest margin | 3.3343% | 3,908 |
| Noninterest income to average assets | 0.2409% | 4,807 |
| Noninterest expense to average assets | 2.1694% | 4,722 |
| Loan and lease loss provision to assets | 0.2268% | 689 |
| Net operating income to assets | 0.6391% | 3,984 |
| Return on assets (ROA) | 0.6391% | 4,024 |
| Pretax return on assets | 1.0091% | 3,326 |
| Return on Equity (ROE) | 6.2071% | 3,808 |
| Retained earnings to average equity (ytd only) | 6.2071% | 2,233 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7063% | 3,887 |
| Assets per employee ($millions) | 8.5974% | 484 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0803% | 3,823 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 85.8717% | 230 |
| Net loans and leases to deposits | 112.6507% | 164 |
| Net loans and leases to core deposits | 123.0569% | 388 |
| Total domestic deposits to total assets | 76.2283% | 5,209 |
| Equity capital to assets | 10.1872% | 3,521 |
| Core capital (leverage) ratio | 10.5443% | 2,849 |
| Tier 1 risk-based capital ratio | 15.6348% | 2,700 |
| Total risk-based capital ratio | 16.8888% | 2,636 |
| Memoranda: | ||
| Average total assets | $396,788,500 | 1,744 |
| Average earning assets | $376,572,500 | 1,704 |
| Average equity | $40,856,500 | 1,825 |
| Average total loans | $339,509,000 | 1,426 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6274% | 1,215 |
| Cost of funding earning assets | 1.1343% | 73 |
| Net interest margin | 3.4931% | 3,459 |
| Noninterest income to average assets | 0.3244% | 4,419 |
| Noninterest expense to average assets | 2.2595% | 4,632 |
| Loan and lease loss provision to assets | 0.3701% | 446 |
| Net operating income to assets | 0.6498% | 4,002 |
| Return on assets (ROA) | 0.6498% | 4,117 |
| Pretax return on assets | 1.0103% | 3,437 |
| Return on Equity (ROE) | 6.1375% | 3,908 |
| Retained earnings to average equity (ytd only) | 6.1375% | 1,638 |
| Net charge-offs to loans | -0.0052% | 4,816 |
| Credit loss provision to net charge-offs | -8,000.0000% | 5,482 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0774% | 4,231 |
| Assets per employee ($millions) | 8.4645% | 510 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1363% | 3,512 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 83.2581% | 457 |
| Net loans and leases to deposits | 110.2232% | 224 |
| Net loans and leases to core deposits | 119.9432% | 483 |
| Total domestic deposits to total assets | 75.5359% | 5,292 |
| Equity capital to assets | 10.4156% | 3,252 |
| Core capital (leverage) ratio | 10.3678% | 3,033 |
| Tier 1 risk-based capital ratio | 17.6896% | 1,947 |
| Total risk-based capital ratio | 18.9475% | 1,912 |
| Memoranda: | ||
| Average total assets | $324,274,200 | 2,036 |
| Average earning assets | $307,778,000 | 1,992 |
| Average equity | $34,330,000 | 2,118 |
| Average total loans | $287,664,000 | 1,573 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6775% | 1,116 |
| Cost of funding earning assets | 1.1243% | 79 |
| Net interest margin | 3.5532% | 3,259 |
| Noninterest income to average assets | 0.2906% | 4,689 |
| Noninterest expense to average assets | 2.2404% | 4,670 |
| Loan and lease loss provision to assets | 0.4192% | 337 |
| Net operating income to assets | 0.6496% | 4,084 |
| Return on assets (ROA) | 0.6496% | 4,207 |
| Pretax return on assets | 1.0048% | 3,611 |
| Return on Equity (ROE) | 6.1060% | 4,021 |
| Retained earnings to average equity (ytd only) | 6.1060% | 2,126 |
| Net charge-offs to loans | -0.0072% | 4,689 |
| Credit loss provision to net charge-offs | -6,500.0000% | 5,425 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1404% | 4,366 |
| Assets per employee ($millions) | 9.0546% | 399 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0709% | 4,019 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 87.2355% | 178 |
| Net loans and leases to deposits | 117.0427% | 144 |
| Net loans and leases to core deposits | 127.6512% | 341 |
| Total domestic deposits to total assets | 74.5330% | 5,381 |
| Equity capital to assets | 10.7854% | 3,260 |
| Core capital (leverage) ratio | 10.8931% | 2,575 |
| Tier 1 risk-based capital ratio | 17.7478% | 1,991 |
| Total risk-based capital ratio | 19.0056% | 1,948 |
| Memoranda: | ||
| Average total assets | $310,117,500 | 2,117 |
| Average earning assets | $294,453,750 | 2,084 |
| Average equity | $32,994,250 | 2,195 |
| Average total loans | $279,386,000 | 1,618 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6726% | 1,112 |
| Cost of funding earning assets | 1.1121% | 82 |
| Net interest margin | 3.5606% | 3,248 |
| Noninterest income to average assets | 0.1872% | 5,375 |
| Noninterest expense to average assets | 2.1868% | 4,870 |
| Loan and lease loss provision to assets | 0.4099% | 367 |
| Net operating income to assets | 0.6285% | 4,151 |
| Return on assets (ROA) | 0.6285% | 4,282 |
| Pretax return on assets | 0.9721% | 3,698 |
| Return on Equity (ROE) | 5.9410% | 4,077 |
| Retained earnings to average equity (ytd only) | 5.9410% | 2,148 |
| Net charge-offs to loans | -0.0113% | 4,739 |
| Credit loss provision to net charge-offs | -4,000.0000% | 5,301 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2749% | 4,467 |
| Assets per employee ($millions) | 6.9695% | 887 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0135% | 4,437 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 90.7860% | 49 |
| Net loans and leases to deposits | 112.3407% | 203 |
| Net loans and leases to core deposits | 121.4406% | 480 |
| Total domestic deposits to total assets | 80.8131% | 4,328 |
| Equity capital to assets | 9.6041% | 4,665 |
| Core capital (leverage) ratio | 9.5851% | 4,086 |
| Tier 1 risk-based capital ratio | 14.8512% | 3,138 |
| Total risk-based capital ratio | 16.1093% | 3,075 |
| Memoranda: | ||
| Average total assets | $292,762,330 | 2,227 |
| Average earning assets | $278,043,670 | 2,182 |
| Average equity | $30,971,330 | 2,309 |
| Average total loans | $266,057,330 | 1,690 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7216% | 1,005 |
| Cost of funding earning assets | 1.0920% | 97 |
| Net interest margin | 3.6296% | 2,969 |
| Noninterest income to average assets | 0.0465% | 5,980 |
| Noninterest expense to average assets | 2.1339% | 5,041 |
| Loan and lease loss provision to assets | 0.4358% | 297 |
| Net operating income to assets | 0.5941% | 4,205 |
| Return on assets (ROA) | 0.5941% | 4,315 |
| Pretax return on assets | 0.9195% | 3,767 |
| Return on Equity (ROE) | 5.3243% | 4,326 |
| Retained earnings to average equity (ytd only) | 5.3243% | 2,755 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1574% | 4,575 |
| Assets per employee ($millions) | 6.9517% | 915 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0324% | 4,434 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 89.6333% | 70 |
| Net loans and leases to deposits | 108.7696% | 254 |
| Net loans and leases to core deposits | 116.7982% | 571 |
| Total domestic deposits to total assets | 82.4066% | 4,089 |
| Equity capital to assets | 10.5958% | 3,379 |
| Core capital (leverage) ratio | 10.4267% | 3,045 |
| Tier 1 risk-based capital ratio | 16.2828% | 2,561 |
| Total risk-based capital ratio | 17.5425% | 2,515 |
| Memoranda: | ||
| Average total assets | $275,360,000 | 2,341 |
| Average earning assets | $261,183,000 | 2,295 |
| Average equity | $30,727,000 | 2,322 |
| Average total loans | $248,871,000 | 1,807 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4877% | 1,637 |
| Cost of funding earning assets | 1.0466% | 131 |
| Net interest margin | 3.4411% | 3,752 |
| Noninterest income to average assets | 0.4613% | 3,586 |
| Noninterest expense to average assets | 2.2168% | 5,023 |
| Loan and lease loss provision to assets | 0.4178% | 314 |
| Net operating income to assets | 0.6913% | 3,859 |
| Return on assets (ROA) | 0.6913% | 3,966 |
| Pretax return on assets | 1.0784% | 3,159 |
| Return on Equity (ROE) | 5.4618% | 4,305 |
| Retained earnings to average equity (ytd only) | 5.4618% | 2,098 |
| Net charge-offs to loans | -0.0304% | 5,406 |
| Credit loss provision to net charge-offs | -1,549.1228% | 5,613 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7043% | 4,946 |
| Assets per employee ($millions) | 7.6102% | 657 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0415% | 4,376 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 89.2289% | 81 |
| Net loans and leases to deposits | 113.8441% | 170 |
| Net loans and leases to core deposits | 124.6912% | 361 |
| Total domestic deposits to total assets | 78.3781% | 5,086 |
| Equity capital to assets | 11.7941% | 2,113 |
| Core capital (leverage) ratio | 11.6201% | 1,880 |
| Tier 1 risk-based capital ratio | 17.5899% | 2,096 |
| Total risk-based capital ratio | 18.8547% | 2,039 |
| Memoranda: | ||
| Average total assets | $211,339,400 | 2,833 |
| Average earning assets | $199,702,400 | 2,782 |
| Average equity | $26,749,600 | 2,576 |
| Average total loans | $187,210,600 | 2,178 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4814% | 1,657 |
| Cost of funding earning assets | 1.0611% | 125 |
| Net interest margin | 3.4203% | 3,872 |
| Noninterest income to average assets | 0.5380% | 3,120 |
| Noninterest expense to average assets | 2.2925% | 4,796 |
| Loan and lease loss provision to assets | 0.4231% | 271 |
| Net operating income to assets | 0.6744% | 4,014 |
| Return on assets (ROA) | 0.6744% | 4,126 |
| Pretax return on assets | 1.0540% | 3,395 |
| Return on Equity (ROE) | 5.2128% | 4,524 |
| Retained earnings to average equity (ytd only) | 5.2128% | 2,770 |
| Net charge-offs to loans | -0.0433% | 5,499 |
| Credit loss provision to net charge-offs | -1,110.5263% | 5,514 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8156% | 4,774 |
| Assets per employee ($millions) | 6.5749% | 1,038 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1093% | 4,171 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 86.9346% | 183 |
| Net loans and leases to deposits | 100.3289% | 639 |
| Net loans and leases to core deposits | 110.3572% | 862 |
| Total domestic deposits to total assets | 86.6497% | 2,209 |
| Equity capital to assets | 13.0775% | 1,412 |
| Core capital (leverage) ratio | 11.7927% | 1,827 |
| Tier 1 risk-based capital ratio | 19.1540% | 1,735 |
| Total risk-based capital ratio | 20.4233% | 1,697 |
| Memoranda: | ||
| Average total assets | $199,487,500 | 2,974 |
| Average earning assets | $188,478,500 | 2,928 |
| Average equity | $25,807,750 | 2,655 |
| Average total loans | $175,686,500 | 2,294 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4825% | 1,590 |
| Cost of funding earning assets | 1.0629% | 121 |
| Net interest margin | 3.4196% | 3,833 |
| Noninterest income to average assets | 0.5244% | 3,202 |
| Noninterest expense to average assets | 2.3795% | 4,620 |
| Loan and lease loss provision to assets | 0.5045% | 194 |
| Net operating income to assets | 0.5630% | 4,507 |
| Return on assets (ROA) | 0.5630% | 4,611 |
| Pretax return on assets | 0.8733% | 4,056 |
| Return on Equity (ROE) | 4.3704% | 4,875 |
| Retained earnings to average equity (ytd only) | 4.3704% | 3,234 |
| Net charge-offs to loans | 0.0237% | 3,196 |
| Credit loss provision to net charge-offs | 2,415.0000% | 166 |
| Earnings coverage of net charge-offs (x) | 65.9500% | 797 |
| Efficiency ratio | 63.3306% | 4,461 |
| Assets per employee ($millions) | 8.6343% | 419 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0604% | 4,534 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 84.4199% | 344 |
| Net loans and leases to deposits | 96.5446% | 906 |
| Net loans and leases to core deposits | 106.7703% | 1,032 |
| Total domestic deposits to total assets | 87.4413% | 1,933 |
| Equity capital to assets | 12.3382% | 1,779 |
| Core capital (leverage) ratio | 11.4939% | 1,994 |
| Tier 1 risk-based capital ratio | 17.6923% | 2,161 |
| Total risk-based capital ratio | 18.9450% | 2,111 |
| Memoranda: | ||
| Average total assets | $191,468,330 | 3,084 |
| Average earning assets | $181,015,000 | 3,039 |
| Average equity | $24,665,670 | 2,752 |
| Average total loans | $168,742,670 | 2,386 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5183% | 1,411 |
| Cost of funding earning assets | 1.0751% | 118 |
| Net interest margin | 3.4432% | 3,652 |
| Noninterest income to average assets | 0.3972% | 4,026 |
| Noninterest expense to average assets | 2.3562% | 4,721 |
| Loan and lease loss provision to assets | 0.5801% | 164 |
| Net operating income to assets | 0.4529% | 4,859 |
| Return on assets (ROA) | 0.4529% | 4,974 |
| Pretax return on assets | 0.7051% | 4,572 |
| Return on Equity (ROE) | 3.4288% | 5,206 |
| Retained earnings to average equity (ytd only) | 3.4288% | 3,932 |
| Net charge-offs to loans | 0.0522% | 2,259 |
| Credit loss provision to net charge-offs | 1,238.0952% | 286 |
| Earnings coverage of net charge-offs (x) | 27.4286% | 1,205 |
| Efficiency ratio | 64.7059% | 4,365 |
| Assets per employee ($millions) | 7.0195% | 845 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9981% | 5,038 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 90.4878% | 47 |
| Net loans and leases to deposits | 103.7276% | 384 |
| Net loans and leases to core deposits | 116.0597% | 520 |
| Total domestic deposits to total assets | 87.2361% | 2,247 |
| Equity capital to assets | 12.5703% | 1,651 |
| Core capital (leverage) ratio | 11.2959% | 2,158 |
| Tier 1 risk-based capital ratio | 16.9286% | 2,506 |
| Total risk-based capital ratio | 18.1808% | 2,458 |
| Memoranda: | ||
| Average total assets | $179,273,500 | 3,243 |
| Average earning assets | $168,914,500 | 3,197 |
| Average equity | $23,682,000 | 2,864 |
| Average total loans | $161,024,000 | 2,481 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3935% | 2,244 |
| Cost of funding earning assets | 0.9487% | 290 |
| Net interest margin | 3.4448% | 4,003 |
| Noninterest income to average assets | 0.2804% | 5,110 |
| Noninterest expense to average assets | 2.7086% | 3,828 |
| Loan and lease loss provision to assets | 0.2460% | 936 |
| Net operating income to assets | 3.6271% | 67 |
| Return on assets (ROA) | 3.6271% | 67 |
| Pretax return on assets | 0.5974% | 4,951 |
| Return on Equity (ROE) | 30.3842% | 55 |
| Retained earnings to average equity (ytd only) | 30.3842% | 23 |
| Net charge-offs to loans | -0.0008% | 5,336 |
| Credit loss provision to net charge-offs | -35,000.0000% | 6,115 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2564% | 2,471 |
| Assets per employee ($millions) | 6.5008% | 1,048 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0012% | 5,049 |
| Loan loss allowance to noncurrent loans | 6,772.7273% | 129 |
| Noncurrent assets plus other real estate owned to assets | 0.0130% | 6,008 |
| Noncurrent loans to loans | 0.0148% | 5,848 |
| Net loans and leases to total assets | 87.1673% | 149 |
| Net loans and leases to deposits | 101.4404% | 544 |
| Net loans and leases to core deposits | 114.8386% | 561 |
| Total domestic deposits to total assets | 85.9296% | 2,883 |
| Equity capital to assets | 13.9273% | 982 |
| Core capital (leverage) ratio | 13.5984% | 941 |
| Tier 1 risk-based capital ratio | 18.8435% | 1,895 |
| Total risk-based capital ratio | 20.0953% | 1,854 |
| Memoranda: | ||
| Average total assets | $142,289,800 | 3,755 |
| Average earning assets | $135,130,200 | 3,673 |
| Average equity | $16,985,800 | 3,527 |
| Average total loans | $119,031,400 | 3,065 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4651% | 2,001 |
| Cost of funding earning assets | 0.9665% | 282 |
| Net interest margin | 3.4986% | 3,834 |
| Noninterest income to average assets | 0.3431% | 4,693 |
| Noninterest expense to average assets | 2.9791% | 2,870 |
| Loan and lease loss provision to assets | 0.1376% | 1,814 |
| Net operating income to assets | 0.5516% | 4,668 |
| Return on assets (ROA) | 0.5516% | 4,750 |
| Pretax return on assets | 0.5614% | 5,151 |
| Return on Equity (ROE) | 4.8737% | 4,784 |
| Retained earnings to average equity (ytd only) | 4.8737% | 3,174 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.9944% | 1,764 |
| Assets per employee ($millions) | 6.4469% | 1,049 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1064% | 4,716 |
| Loan loss allowance to noncurrent loans | 5,560.8696% | 127 |
| Noncurrent assets plus other real estate owned to assets | 0.0162% | 6,109 |
| Noncurrent loans to loans | 0.0199% | 5,947 |
| Net loans and leases to total assets | 80.6045% | 649 |
| Net loans and leases to deposits | 93.0658% | 1,122 |
| Net loans and leases to core deposits | 103.0401% | 1,150 |
| Total domestic deposits to total assets | 86.6102% | 2,523 |
| Equity capital to assets | 13.0633% | 1,401 |
| Core capital (leverage) ratio | 12.6558% | 1,329 |
| Tier 1 risk-based capital ratio | 21.5690% | 1,328 |
| Total risk-based capital ratio | 22.8226% | 1,311 |
| Memoranda: | ||
| Average total assets | $135,607,000 | 3,907 |
| Average earning assets | $129,266,250 | 3,801 |
| Average equity | $15,347,250 | 3,796 |
| Average total loans | $111,584,000 | 3,205 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4831% | 1,887 |
| Cost of funding earning assets | 0.9574% | 306 |
| Net interest margin | 3.5257% | 3,677 |
| Noninterest income to average assets | 0.2786% | 5,201 |
| Noninterest expense to average assets | 2.9102% | 3,127 |
| Loan and lease loss provision to assets | 0.2097% | 1,135 |
| Net operating income to assets | 0.5062% | 4,784 |
| Return on assets (ROA) | 0.5062% | 4,878 |
| Pretax return on assets | 0.5122% | 5,245 |
| Return on Equity (ROE) | 4.7316% | 4,801 |
| Retained earnings to average equity (ytd only) | 4.7316% | 3,127 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.1237% | 2,005 |
| Assets per employee ($millions) | 6.9653% | 812 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1118% | 4,854 |
| Loan loss allowance to noncurrent loans | 460.0719% | 1,009 |
| Noncurrent assets plus other real estate owned to assets | 0.1901% | 5,557 |
| Noncurrent loans to loans | 0.2417% | 5,274 |
| Net loans and leases to total assets | 77.7721% | 938 |
| Net loans and leases to deposits | 87.3952% | 1,667 |
| Net loans and leases to core deposits | 95.7575% | 1,625 |
| Total domestic deposits to total assets | 88.9889% | 1,362 |
| Equity capital to assets | 10.8531% | 3,026 |
| Core capital (leverage) ratio | 11.2727% | 2,176 |
| Tier 1 risk-based capital ratio | 18.2813% | 2,139 |
| Total risk-based capital ratio | 19.5336% | 2,105 |
| Memoranda: | ||
| Average total assets | $133,532,000 | 3,967 |
| Average earning assets | $127,011,330 | 3,872 |
| Average equity | $14,287,000 | 3,985 |
| Average total loans | $110,244,670 | 3,236 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4866% | 1,854 |
| Cost of funding earning assets | 0.9671% | 311 |
| Net interest margin | 3.5195% | 3,607 |
| Noninterest income to average assets | 0.4309% | 3,943 |
| Noninterest expense to average assets | 3.1393% | 2,406 |
| Loan and lease loss provision to assets | 0.4404% | 360 |
| Net operating income to assets | 0.1762% | 5,864 |
| Return on assets (ROA) | 0.1762% | 5,910 |
| Pretax return on assets | 0.1824% | 5,948 |
| Return on Equity (ROE) | 1.6601% | 5,881 |
| Retained earnings to average equity (ytd only) | 1.6601% | 4,949 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.4448% | 1,740 |
| Assets per employee ($millions) | 6.6677% | 943 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0779% | 5,218 |
| Loan loss allowance to noncurrent loans | 642.7136% | 763 |
| Noncurrent assets plus other real estate owned to assets | 0.1492% | 5,794 |
| Noncurrent loans to loans | 0.1677% | 5,582 |
| Net loans and leases to total assets | 88.0190% | 83 |
| Net loans and leases to deposits | 99.2139% | 480 |
| Net loans and leases to core deposits | 107.1506% | 712 |
| Total domestic deposits to total assets | 88.7164% | 1,824 |
| Equity capital to assets | 10.4692% | 3,272 |
| Core capital (leverage) ratio | 11.3070% | 2,130 |
| Tier 1 risk-based capital ratio | 16.4458% | 2,924 |
| Total risk-based capital ratio | 17.6956% | 2,894 |
| Memoranda: | ||
| Average total assets | $127,162,500 | 4,124 |
| Average earning assets | $120,358,500 | 4,032 |
| Average equity | $13,493,000 | 4,151 |
| Average total loans | $107,848,500 | 3,303 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9578% | 4,250 |
| Cost of funding earning assets | 1.1775% | 202 |
| Net interest margin | 2.7804% | 6,009 |
| Noninterest income to average assets | 0.8271% | 1,951 |
| Noninterest expense to average assets | 4.0574% | 818 |
| Loan and lease loss provision to assets | 1.4067% | 106 |
| Net operating income to assets | -2.0688% | 6,722 |
| Return on assets (ROA) | -1.9886% | 6,715 |
| Pretax return on assets | -1.9818% | 6,707 |
| Return on Equity (ROE) | -15.1415% | 6,647 |
| Retained earnings to average equity (ytd only) | -15.1415% | 6,620 |
| Net charge-offs to loans | 2.0281% | 187 |
| Credit loss provision to net charge-offs | 102.7615% | 2,355 |
| Earnings coverage of net charge-offs (x) | -0.4787% | 5,193 |
| Efficiency ratio | 119.2593% | 184 |
| Assets per employee ($millions) | 5.4987% | 1,650 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1737% | 4,792 |
| Loan loss allowance to noncurrent loans | 569.5000% | 857 |
| Noncurrent assets plus other real estate owned to assets | 0.1653% | 5,819 |
| Noncurrent loans to loans | 0.2061% | 5,570 |
| Net loans and leases to total assets | 79.2770% | 674 |
| Net loans and leases to deposits | 89.8877% | 1,249 |
| Net loans and leases to core deposits | 95.8503% | 1,467 |
| Total domestic deposits to total assets | 88.1956% | 2,060 |
| Equity capital to assets | 10.7670% | 2,860 |
| Core capital (leverage) ratio | 12.5181% | 1,347 |
| Tier 1 risk-based capital ratio | 17.8427% | 2,293 |
| Total risk-based capital ratio | 19.0934% | 2,261 |
| Memoranda: | ||
| Average total assets | $87,296,400 | 5,043 |
| Average earning assets | $80,852,000 | 5,013 |
| Average equity | $11,465,200 | 4,547 |
| Average total loans | $58,921,800 | 4,650 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9259% | 4,406 |
| Cost of funding earning assets | 1.2506% | 156 |
| Net interest margin | 2.6753% | 6,214 |
| Noninterest income to average assets | 0.8486% | 1,944 |
| Noninterest expense to average assets | 4.3898% | 586 |
| Loan and lease loss provision to assets | 0.8333% | 221 |
| Net operating income to assets | -1.9168% | 6,797 |
| Return on assets (ROA) | -1.8695% | 6,798 |
| Pretax return on assets | -1.8611% | 6,794 |
| Return on Equity (ROE) | -13.3146% | 6,722 |
| Retained earnings to average equity (ytd only) | -13.3146% | 6,688 |
| Net charge-offs to loans | 1.1851% | 460 |
| Credit loss provision to net charge-offs | 112.3007% | 2,101 |
| Earnings coverage of net charge-offs (x) | -1.4487% | 5,039 |
| Efficiency ratio | 132.4324% | 119 |
| Assets per employee ($millions) | 5.1642% | 1,972 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6183% | 2,922 |
| Loan loss allowance to noncurrent loans | 424.9084% | 1,027 |
| Noncurrent assets plus other real estate owned to assets | 0.2937% | 5,549 |
| Noncurrent loans to loans | 0.3809% | 5,259 |
| Net loans and leases to total assets | 75.8649% | 1,018 |
| Net loans and leases to deposits | 87.0705% | 1,483 |
| Net loans and leases to core deposits | 95.2150% | 1,452 |
| Total domestic deposits to total assets | 87.1305% | 2,618 |
| Equity capital to assets | 11.6378% | 2,178 |
| Core capital (leverage) ratio | 12.7757% | 1,297 |
| Tier 1 risk-based capital ratio | 17.9025% | 2,355 |
| Total risk-based capital ratio | 19.1572% | 2,320 |
| Memoranda: | ||
| Average total assets | $78,877,500 | 5,315 |
| Average earning assets | $72,712,000 | 5,283 |
| Average equity | $11,075,250 | 4,672 |
| Average total loans | $49,391,750 | 5,031 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8917% | 4,511 |
| Cost of funding earning assets | 1.3137% | 134 |
| Net interest margin | 2.5780% | 6,353 |
| Noninterest income to average assets | 0.7495% | 2,418 |
| Noninterest expense to average assets | 4.6640% | 461 |
| Loan and lease loss provision to assets | 1.0460% | 172 |
| Net operating income to assets | -2.5747% | 6,878 |
| Return on assets (ROA) | -2.5747% | 6,879 |
| Pretax return on assets | -2.5747% | 6,873 |
| Return on Equity (ROE) | -17.1132% | 6,808 |
| Retained earnings to average equity (ytd only) | -17.1132% | 6,775 |
| Net charge-offs to loans | 1.4966% | 352 |
| Credit loss provision to net charge-offs | 123.5669% | 1,817 |
| Earnings coverage of net charge-offs (x) | -1.8057% | 4,760 |
| Efficiency ratio | 148.7532% | 74 |
| Assets per employee ($millions) | 4.7831% | 2,406 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3352% | 1,203 |
| Loan loss allowance to noncurrent loans | 295.7393% | 1,426 |
| Noncurrent assets plus other real estate owned to assets | 0.4907% | 5,037 |
| Noncurrent loans to loans | 0.7896% | 4,333 |
| Net loans and leases to total assets | 60.6939% | 3,538 |
| Net loans and leases to deposits | 70.8867% | 3,602 |
| Net loans and leases to core deposits | 78.0837% | 3,274 |
| Total domestic deposits to total assets | 85.6210% | 3,567 |
| Equity capital to assets | 13.4431% | 1,165 |
| Core capital (leverage) ratio | 13.8769% | 854 |
| Tier 1 risk-based capital ratio | 23.3862% | 1,076 |
| Total risk-based capital ratio | 24.6464% | 1,059 |
| Memoranda: | ||
| Average total assets | $74,184,670 | 5,457 |
| Average earning assets | $68,659,000 | 5,431 |
| Average equity | $11,161,000 | 4,689 |
| Average total loans | $41,962,000 | 5,335 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8815% | 4,544 |
| Cost of funding earning assets | 1.3410% | 131 |
| Net interest margin | 2.5405% | 6,454 |
| Noninterest income to average assets | 0.3738% | 4,675 |
| Noninterest expense to average assets | 4.9561% | 381 |
| Loan and lease loss provision to assets | 1.2234% | 130 |
| Net operating income to assets | -3.4777% | 6,977 |
| Return on assets (ROA) | -3.4777% | 6,978 |
| Pretax return on assets | -3.4664% | 6,974 |
| Return on Equity (ROE) | -21.7808% | 6,908 |
| Retained earnings to average equity (ytd only) | -21.7808% | 6,851 |
| Net charge-offs to loans | 1.3271% | 423 |
| Credit loss provision to net charge-offs | 172.8000% | 1,223 |
| Earnings coverage of net charge-offs (x) | -3.1680% | 4,051 |
| Efficiency ratio | 182.6722% | 46 |
| Assets per employee ($millions) | 4.8478% | 2,416 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7088% | 906 |
| Loan loss allowance to noncurrent loans | 90.6818% | 3,614 |
| Noncurrent assets plus other real estate owned to assets | 1.8153% | 2,593 |
| Noncurrent loans to loans | 2.9872% | 1,682 |
| Net loans and leases to total assets | 59.1224% | 3,580 |
| Net loans and leases to deposits | 70.8796% | 3,343 |
| Net loans and leases to core deposits | 78.8092% | 2,955 |
| Total domestic deposits to total assets | 83.4124% | 4,705 |
| Equity capital to assets | 15.3692% | 665 |
| Core capital (leverage) ratio | 16.1907% | 433 |
| Tier 1 risk-based capital ratio | 25.3143% | 857 |
| Total risk-based capital ratio | 26.5785% | 840 |
| Memoranda: | ||
| Average total assets | $70,620,500 | 5,606 |
| Average earning assets | $65,026,000 | 5,578 |
| Average equity | $11,276,000 | 4,723 |
| Average total loans | $37,677,000 | 5,557 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7605% | 2,360 |
| Cost of funding earning assets | 1.7014% | 72 |
| Net interest margin | 3.0591% | 5,907 |
| Noninterest income to average assets | 0.1295% | 6,392 |
| Noninterest expense to average assets | 5.7992% | 240 |
| Loan and lease loss provision to assets | 0.4649% | 1,345 |
| Net operating income to assets | -3.3786% | 7,024 |
| Return on assets (ROA) | -2.9768% | 7,011 |
| Pretax return on assets | -2.9685% | 7,012 |
| Return on Equity (ROE) | -35.8930% | 6,977 |
| Retained earnings to average equity (ytd only) | -35.8930% | 6,963 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 200.4016% | 39 |
| Assets per employee ($millions) | 4.2828% | 3,392 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5489% | 411 |
| Loan loss allowance to noncurrent loans | 71.1712% | 4,219 |
| Noncurrent assets plus other real estate owned to assets | 2.2678% | 2,165 |
| Noncurrent loans to loans | 4.9864% | 802 |
| Net loans and leases to total assets | 43.8664% | 5,831 |
| Net loans and leases to deposits | 53.2857% | 5,717 |
| Net loans and leases to core deposits | 59.1142% | 5,443 |
| Total domestic deposits to total assets | 82.3230% | 4,987 |
| Equity capital to assets | 16.6015% | 468 |
| Core capital (leverage) ratio | 19.3860% | 218 |
| Tier 1 risk-based capital ratio | 32.5324% | 414 |
| Total risk-based capital ratio | 33.7996% | 408 |
| Memoranda: | ||
| Average total assets | $60,232,800 | 5,915 |
| Average earning assets | $54,427,200 | 5,915 |
| Average equity | $4,995,400 | 6,291 |
| Average total loans | $34,575,200 | 5,736 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0645% | 1,514 |
| Cost of funding earning assets | 1.7698% | 64 |
| Net interest margin | 3.2948% | 5,409 |
| Noninterest income to average assets | 0.1376% | 6,454 |
| Noninterest expense to average assets | 6.0384% | 208 |
| Loan and lease loss provision to assets | 0.6419% | 823 |
| Net operating income to assets | -3.5900% | 7,128 |
| Return on assets (ROA) | -3.0352% | 7,116 |
| Pretax return on assets | -3.0261% | 7,111 |
| Return on Equity (ROE) | -51.9165% | 7,124 |
| Retained earnings to average equity (ytd only) | -51.9165% | 7,119 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 194.8225% | 39 |
| Assets per employee ($millions) | 4.1196% | 3,647 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4467% | 487 |
| Loan loss allowance to noncurrent loans | 63.4902% | 4,503 |
| Noncurrent assets plus other real estate owned to assets | 3.0204% | 1,730 |
| Noncurrent loans to loans | 5.4287% | 795 |
| Net loans and leases to total assets | 53.7200% | 4,790 |
| Net loans and leases to deposits | 57.1010% | 5,520 |
| Net loans and leases to core deposits | 63.2771% | 5,236 |
| Total domestic deposits to total assets | 94.0789% | 68 |
| Equity capital to assets | 4.4872% | 7,077 |
| Core capital (leverage) ratio | 4.1839% | 7,081 |
| Tier 1 risk-based capital ratio | 6.9088% | 7,053 |
| Total risk-based capital ratio | 8.1762% | 7,053 |
| Memoranda: | ||
| Average total assets | $58,160,000 | 6,038 |
| Average earning assets | $52,283,750 | 6,045 |
| Average equity | $3,400,250 | 6,794 |
| Average total loans | $35,427,750 | 5,774 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0893% | 1,530 |
| Cost of funding earning assets | 1.7300% | 90 |
| Net interest margin | 3.3593% | 5,236 |
| Noninterest income to average assets | 0.1303% | 6,534 |
| Noninterest expense to average assets | 5.8469% | 231 |
| Loan and lease loss provision to assets | 0.9602% | 467 |
| Net operating income to assets | -3.5870% | 7,179 |
| Return on assets (ROA) | -3.5870% | 7,180 |
| Pretax return on assets | -3.5870% | 7,174 |
| Return on Equity (ROE) | -56.9872% | 7,182 |
| Retained earnings to average equity (ytd only) | -56.9872% | 7,177 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 181.5761% | 55 |
| Assets per employee ($millions) | 3.5500% | 4,870 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3027% | 589 |
| Loan loss allowance to noncurrent loans | 45.3093% | 5,367 |
| Noncurrent assets plus other real estate owned to assets | 4.2975% | 1,160 |
| Noncurrent loans to loans | 7.2892% | 517 |
| Net loans and leases to total assets | 57.0106% | 4,326 |
| Net loans and leases to deposits | 61.0947% | 5,118 |
| Net loans and leases to core deposits | 67.1547% | 4,880 |
| Total domestic deposits to total assets | 93.3151% | 107 |
| Equity capital to assets | 5.4965% | 7,066 |
| Core capital (leverage) ratio | 4.6652% | 7,092 |
| Tier 1 risk-based capital ratio | 7.4657% | 7,066 |
| Total risk-based capital ratio | 8.7433% | 7,067 |
| Memoranda: | ||
| Average total assets | $58,321,670 | 6,067 |
| Average earning assets | $53,641,670 | 6,040 |
| Average equity | $3,671,000 | 6,764 |
| Average total loans | $36,540,670 | 5,758 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7059% | 514 |
| Cost of funding earning assets | 1.7264% | 116 |
| Net interest margin | 3.9795% | 2,594 |
| Noninterest income to average assets | 0.0406% | 6,971 |
| Noninterest expense to average assets | 5.7276% | 232 |
| Loan and lease loss provision to assets | 1.1848% | 326 |
| Net operating income to assets | -3.1955% | 7,233 |
| Return on assets (ROA) | -3.1955% | 7,234 |
| Pretax return on assets | -3.1888% | 7,220 |
| Return on Equity (ROE) | -47.8520% | 7,221 |
| Retained earnings to average equity (ytd only) | -47.8520% | 7,208 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 153.8182% | 95 |
| Assets per employee ($millions) | 4.0661% | 3,870 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7127% | 1,101 |
| Loan loss allowance to noncurrent loans | 87.1951% | 3,426 |
| Noncurrent assets plus other real estate owned to assets | 2.0167% | 2,872 |
| Noncurrent loans to loans | 3.1110% | 2,060 |
| Net loans and leases to total assets | 63.0643% | 3,027 |
| Net loans and leases to deposits | 68.1732% | 4,030 |
| Net loans and leases to core deposits | 74.9635% | 3,748 |
| Total domestic deposits to total assets | 92.5061% | 189 |
| Equity capital to assets | 6.4979% | 7,014 |
| Core capital (leverage) ratio | 5.5293% | 7,079 |
| Tier 1 risk-based capital ratio | 8.6528% | 7,066 |
| Total risk-based capital ratio | 9.9264% | 7,067 |
| Memoranda: | ||
| Average total assets | $59,082,500 | 6,092 |
| Average earning assets | $54,680,500 | 6,047 |
| Average equity | $3,945,500 | 6,735 |
| Average total loans | $38,067,000 | 5,729 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8116% | 629 |
| Cost of funding earning assets | 1.8952% | 153 |
| Net interest margin | 3.9164% | 3,267 |
| Noninterest income to average assets | 0.1293% | 6,511 |
| Noninterest expense to average assets | 6.6898% | 156 |
| Loan and lease loss provision to assets | 0.3895% | 2,655 |
| Net operating income to assets | -3.3764% | 7,215 |
| Return on assets (ROA) | -3.3764% | 7,220 |
| Pretax return on assets | -3.3577% | 7,221 |
| Return on Equity (ROE) | -37.6189% | 7,147 |
| Retained earnings to average equity (ytd only) | -37.6189% | 7,142 |
| Net charge-offs to loans | 0.5064% | 2,967 |
| Credit loss provision to net charge-offs | 118.6528% | 2,702 |
| Earnings coverage of net charge-offs (x) | -9.0415% | 6,392 |
| Efficiency ratio | 179.7532% | 83 |
| Assets per employee ($millions) | 3.8274% | 4,256 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1054% | 1,988 |
| Loan loss allowance to noncurrent loans | 70.4177% | 4,030 |
| Noncurrent assets plus other real estate owned to assets | 1.9154% | 3,087 |
| Noncurrent loans to loans | 2.9898% | 2,173 |
| Net loans and leases to total assets | 62.7166% | 3,465 |
| Net loans and leases to deposits | 70.8329% | 3,977 |
| Net loans and leases to core deposits | 79.2829% | 3,535 |
| Total domestic deposits to total assets | 88.5416% | 1,826 |
| Equity capital to assets | 6.8453% | 6,998 |
| Core capital (leverage) ratio | 6.1963% | 7,031 |
| Tier 1 risk-based capital ratio | 9.2401% | 6,997 |
| Total risk-based capital ratio | 10.5066% | 6,994 |
| Memoranda: | ||
| Average total assets | $58,790,800 | 6,082 |
| Average earning assets | $53,926,800 | 6,049 |
| Average equity | $5,276,600 | 6,357 |
| Average total loans | $38,115,600 | 5,779 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9098% | 551 |
| Cost of funding earning assets | 1.9223% | 164 |
| Net interest margin | 3.9875% | 2,963 |
| Noninterest income to average assets | 0.1306% | 6,600 |
| Noninterest expense to average assets | 7.1158% | 138 |
| Loan and lease loss provision to assets | 0.4675% | 2,114 |
| Net operating income to assets | -3.8272% | 7,325 |
| Return on assets (ROA) | -3.8272% | 7,326 |
| Pretax return on assets | -3.8066% | 7,325 |
| Return on Equity (ROE) | -40.1354% | 7,253 |
| Retained earnings to average equity (ytd only) | -40.1354% | 7,247 |
| Net charge-offs to loans | 0.6801% | 2,212 |
| Credit loss provision to net charge-offs | 105.6995% | 3,137 |
| Earnings coverage of net charge-offs (x) | -7.5491% | 6,122 |
| Efficiency ratio | 188.4102% | 59 |
| Assets per employee ($millions) | 3.6584% | 4,619 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1292% | 2,003 |
| Loan loss allowance to noncurrent loans | 71.2633% | 3,920 |
| Noncurrent assets plus other real estate owned to assets | 1.9203% | 3,234 |
| Noncurrent loans to loans | 2.9879% | 2,315 |
| Net loans and leases to total assets | 62.9002% | 3,530 |
| Net loans and leases to deposits | 71.9088% | 4,004 |
| Net loans and leases to core deposits | 80.1192% | 3,614 |
| Total domestic deposits to total assets | 87.4722% | 2,367 |
| Equity capital to assets | 7.8262% | 6,791 |
| Core capital (leverage) ratio | 6.7209% | 7,029 |
| Tier 1 risk-based capital ratio | 10.1998% | 6,892 |
| Total risk-based capital ratio | 11.4640% | 6,875 |
| Memoranda: | ||
| Average total assets | $58,178,750 | 6,144 |
| Average earning assets | $53,198,750 | 6,119 |
| Average equity | $5,547,750 | 6,321 |
| Average total loans | $37,836,250 | 5,842 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0487% | 436 |
| Cost of funding earning assets | 1.9469% | 172 |
| Net interest margin | 4.1017% | 2,404 |
| Noninterest income to average assets | 0.1757% | 6,403 |
| Noninterest expense to average assets | 6.6138% | 163 |
| Loan and lease loss provision to assets | 0.7027% | 1,346 |
| Net operating income to assets | -3.4240% | 7,358 |
| Return on assets (ROA) | -3.4240% | 7,363 |
| Pretax return on assets | -3.4034% | 7,352 |
| Return on Equity (ROE) | -33.8671% | 7,274 |
| Retained earnings to average equity (ytd only) | -33.8671% | 7,267 |
| Net charge-offs to loans | 1.0182% | 1,551 |
| Credit loss provision to net charge-offs | 105.6995% | 2,919 |
| Earnings coverage of net charge-offs (x) | -4.0622% | 5,783 |
| Efficiency ratio | 169.0141% | 100 |
| Assets per employee ($millions) | 3.6096% | 4,659 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1581% | 2,000 |
| Loan loss allowance to noncurrent loans | 207.5130% | 1,480 |
| Noncurrent assets plus other real estate owned to assets | 0.6684% | 5,565 |
| Noncurrent loans to loans | 1.0400% | 4,915 |
| Net loans and leases to total assets | 62.8788% | 3,704 |
| Net loans and leases to deposits | 73.6194% | 3,864 |
| Net loans and leases to core deposits | 81.1454% | 3,629 |
| Total domestic deposits to total assets | 85.4105% | 3,670 |
| Equity capital to assets | 9.5526% | 4,733 |
| Core capital (leverage) ratio | 8.0501% | 6,238 |
| Tier 1 risk-based capital ratio | 12.2937% | 5,522 |
| Total risk-based capital ratio | 13.5541% | 5,498 |
| Memoranda: | ||
| Average total assets | $58,060,330 | 6,205 |
| Average earning assets | $52,904,330 | 6,185 |
| Average equity | $5,870,000 | 6,267 |
| Average total loans | $37,908,670 | 5,896 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9717% | 499 |
| Cost of funding earning assets | 2.0107% | 161 |
| Net interest margin | 3.9611% | 2,863 |
| Noninterest income to average assets | 0.1512% | 6,642 |
| Noninterest expense to average assets | 7.0637% | 144 |
| Loan and lease loss provision to assets | 1.4017% | 472 |
| Net operating income to assets | -4.7206% | 7,479 |
| Return on assets (ROA) | -4.7206% | 7,478 |
| Pretax return on assets | -4.6999% | 7,468 |
| Return on Equity (ROE) | -45.4478% | 7,392 |
| Retained earnings to average equity (ytd only) | -45.4478% | 7,378 |
| Net charge-offs to loans | 2.0154% | 633 |
| Credit loss provision to net charge-offs | 105.6995% | 2,520 |
| Earnings coverage of net charge-offs (x) | -2.4870% | 4,979 |
| Efficiency ratio | 187.5912% | 78 |
| Assets per employee ($millions) | 3.9067% | 4,056 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0653% | 2,259 |
| Loan loss allowance to noncurrent loans | 135.7627% | 2,180 |
| Noncurrent assets plus other real estate owned to assets | 1.0068% | 4,889 |
| Noncurrent loans to loans | 1.5213% | 4,192 |
| Net loans and leases to total assets | 64.8157% | 3,281 |
| Net loans and leases to deposits | 77.2730% | 3,196 |
| Net loans and leases to core deposits | 85.9808% | 2,876 |
| Total domestic deposits to total assets | 83.8788% | 4,535 |
| Equity capital to assets | 9.7509% | 4,108 |
| Core capital (leverage) ratio | 8.4762% | 5,503 |
| Tier 1 risk-based capital ratio | 12.7728% | 4,996 |
| Total risk-based capital ratio | 14.0342% | 4,962 |
| Memoranda: | ||
| Average total assets | $58,213,500 | 6,250 |
| Average earning assets | $53,117,000 | 6,230 |
| Average equity | $6,046,500 | 6,231 |
| Average total loans | $38,305,000 | 5,927 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9681% | 907 |
| Cost of funding earning assets | 2.1817% | 323 |
| Net interest margin | 3.7864% | 4,002 |
| Noninterest income to average assets | 0.4942% | 4,211 |
| Noninterest expense to average assets | 7.0143% | 156 |
| Loan and lease loss provision to assets | 0.9006% | 1,818 |
| Net operating income to assets | -3.9485% | 7,430 |
| Return on assets (ROA) | -3.4235% | 7,375 |
| Pretax return on assets | -3.3974% | 7,349 |
| Return on Equity (ROE) | -29.6003% | 7,223 |
| Retained earnings to average equity (ytd only) | -29.6003% | 7,210 |
| Net charge-offs to loans | 0.1252% | 5,642 |
| Credit loss provision to net charge-offs | 1,178.7234% | 198 |
| Earnings coverage of net charge-offs (x) | -39.5532% | 6,836 |
| Efficiency ratio | 175.6922% | 128 |
| Assets per employee ($millions) | 3.6142% | 4,662 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0885% | 2,092 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 64.0479% | 3,864 |
| Net loans and leases to deposits | 76.3965% | 3,780 |
| Net loans and leases to core deposits | 84.6173% | 3,507 |
| Total domestic deposits to total assets | 83.8363% | 4,431 |
| Equity capital to assets | 11.0312% | 2,655 |
| Core capital (leverage) ratio | 10.7866% | 2,316 |
| Tier 1 risk-based capital ratio | 16.6427% | 2,484 |
| Total risk-based capital ratio | 17.9055% | 2,446 |
| Memoranda: | ||
| Average total assets | $61,516,800 | 6,148 |
| Average earning assets | $56,835,400 | 6,105 |
| Average equity | $7,114,800 | 5,993 |
| Average total loans | $37,537,000 | 6,033 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9887% | 957 |
| Cost of funding earning assets | 2.2172% | 365 |
| Net interest margin | 3.7715% | 4,088 |
| Noninterest income to average assets | 0.5210% | 4,024 |
| Noninterest expense to average assets | 6.9356% | 157 |
| Loan and lease loss provision to assets | 1.0015% | 1,483 |
| Net operating income to assets | -3.9376% | 7,565 |
| Return on assets (ROA) | -3.3333% | 7,507 |
| Pretax return on assets | -3.3248% | 7,474 |
| Return on Equity (ROE) | -28.5156% | 7,367 |
| Retained earnings to average equity (ytd only) | -28.5156% | 7,358 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 173.0421% | 130 |
| Assets per employee ($millions) | 3.3144% | 5,418 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0263% | 2,158 |
| Loan loss allowance to noncurrent loans | 2,350.0000% | 159 |
| Noncurrent assets plus other real estate owned to assets | 0.0568% | 7,203 |
| Noncurrent loans to loans | 0.0862% | 7,017 |
| Net loans and leases to total assets | 64.5322% | 4,011 |
| Net loans and leases to deposits | 79.1037% | 3,618 |
| Net loans and leases to core deposits | 84.5660% | 3,868 |
| Total domestic deposits to total assets | 81.5792% | 5,168 |
| Equity capital to assets | 12.7662% | 1,702 |
| Core capital (leverage) ratio | 10.9037% | 2,332 |
| Tier 1 risk-based capital ratio | 18.3169% | 1,929 |
| Total risk-based capital ratio | 19.5947% | 1,881 |
| Memoranda: | ||
| Average total assets | $62,439,250 | 6,175 |
| Average earning assets | $57,729,750 | 6,138 |
| Average equity | $7,298,750 | 6,015 |
| Average total loans | $37,464,500 | 6,120 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0055% | 938 |
| Cost of funding earning assets | 2.2106% | 448 |
| Net interest margin | 3.7949% | 3,918 |
| Noninterest income to average assets | 0.6794% | 2,821 |
| Noninterest expense to average assets | 7.0978% | 150 |
| Loan and lease loss provision to assets | 1.1509% | 1,246 |
| Net operating income to assets | -4.0607% | 7,630 |
| Return on assets (ROA) | -3.1890% | 7,536 |
| Pretax return on assets | -3.1828% | 7,498 |
| Return on Equity (ROE) | -28.0338% | 7,407 |
| Retained earnings to average equity (ytd only) | -28.0338% | 7,394 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 169.2308% | 154 |
| Assets per employee ($millions) | 3.6272% | 4,646 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8335% | 2,625 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 56.7861% | 5,582 |
| Net loans and leases to deposits | 67.7935% | 5,579 |
| Net loans and leases to core deposits | 71.9044% | 5,681 |
| Total domestic deposits to total assets | 83.7634% | 4,216 |
| Equity capital to assets | 11.3601% | 2,551 |
| Core capital (leverage) ratio | 10.6985% | 2,466 |
| Tier 1 risk-based capital ratio | 18.2317% | 1,888 |
| Total risk-based capital ratio | 19.4808% | 1,861 |
| Memoranda: | ||
| Average total assets | $64,471,000 | 6,160 |
| Average earning assets | $59,712,330 | 6,110 |
| Average equity | $7,334,000 | 6,021 |
| Average total loans | $37,582,000 | 6,155 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8200% | 1,402 |
| Cost of funding earning assets | 2.3633% | 342 |
| Net interest margin | 3.4566% | 5,348 |
| Noninterest income to average assets | 1.1598% | 920 |
| Noninterest expense to average assets | 7.8816% | 122 |
| Loan and lease loss provision to assets | 1.4452% | 819 |
| Net operating income to assets | -4.9670% | 7,783 |
| Return on assets (ROA) | -3.4004% | 7,675 |
| Pretax return on assets | -3.3943% | 7,632 |
| Return on Equity (ROE) | -29.8726% | 7,568 |
| Retained earnings to average equity (ytd only) | -29.8726% | 7,539 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 180.5285% | 123 |
| Assets per employee ($millions) | 2.8100% | 6,623 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3255% | 4,796 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 65.7256% | 3,927 |
| Net loans and leases to deposits | 79.7254% | 3,707 |
| Net loans and leases to core deposits | 84.8461% | 4,078 |
| Total domestic deposits to total assets | 82.4400% | 4,876 |
| Equity capital to assets | 12.2795% | 1,889 |
| Core capital (leverage) ratio | 9.9236% | 3,261 |
| Tier 1 risk-based capital ratio | 19.6139% | 1,602 |
| Total risk-based capital ratio | 20.8683% | 1,566 |
| Memoranda: | ||
| Average total assets | $65,875,000 | 6,179 |
| Average earning assets | $61,100,000 | 6,127 |
| Average equity | $7,498,500 | 6,014 |
| Average total loans | $38,538,000 | 6,191 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8942% | 7,891 |
| Cost of funding earning assets | 2.4051% | 1,284 |
| Net interest margin | 0.4891% | 7,970 |
| Noninterest income to average assets | 1.3582% | 807 |
| Noninterest expense to average assets | 7.0954% | 200 |
| Loan and lease loss provision to assets | 0.4120% | 4,339 |
| Net operating income to assets | -5.7022% | 7,816 |
| Return on assets (ROA) | -5.5901% | 7,795 |
| Pretax return on assets | -5.5799% | 7,769 |
| Return on Equity (ROE) | -45.3392% | 7,630 |
| Retained earnings to average equity (ytd only) | -45.3392% | 7,620 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 390.8581% | 44 |
| Assets per employee ($millions) | 1.9660% | 7,750 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7493% | 7,267 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 51.5363% | 6,480 |
| Net loans and leases to deposits | 58.4991% | 6,748 |
| Net loans and leases to core deposits | 96.9208% | 4,361 |
| Total domestic deposits to total assets | 88.0975% | 1,923 |
| Equity capital to assets | 10.6556% | 3,014 |
| Core capital (leverage) ratio | 10.1901% | 2,897 |
| Tier 1 risk-based capital ratio | 20.3999% | 1,389 |
| Total risk-based capital ratio | 21.1825% | 1,439 |
| Memoranda: | ||
| Average total assets | $68,692,500 | 6,049 |
| Average earning assets | $64,197,250 | 5,989 |
| Average equity | $8,469,500 | 5,774 |
| Average total loans | $19,831,750 | 7,201 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1239% | 8,027 |
| Cost of funding earning assets | 2.3187% | 1,910 |
| Net interest margin | -0.1948% | 8,095 |
| Noninterest income to average assets | 1.3225% | 884 |
| Noninterest expense to average assets | 6.7612% | 217 |
| Loan and lease loss provision to assets | 0.3227% | 4,405 |
| Net operating income to assets | -5.9436% | 7,921 |
| Return on assets (ROA) | -5.9178% | 7,917 |
| Pretax return on assets | -5.9178% | 7,902 |
| Return on Equity (ROE) | -45.7599% | 7,798 |
| Retained earnings to average equity (ytd only) | -45.7599% | 7,795 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 592.8819% | 21 |
| Assets per employee ($millions) | 1.7123% | 7,934 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7084% | 7,345 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 31.7662% | 7,759 |
| Net loans and leases to deposits | 36.1981% | 7,816 |
| Net loans and leases to core deposits | 60.1453% | 7,393 |
| Total domestic deposits to total assets | 87.7565% | 1,772 |
| Equity capital to assets | 11.2951% | 2,752 |
| Core capital (leverage) ratio | 11.1066% | 2,328 |
| Tier 1 risk-based capital ratio | 25.3921% | 862 |
| Total risk-based capital ratio | 25.9327% | 906 |
| Memoranda: | ||
| Average total assets | $67,343,000 | 6,131 |
| Average earning assets | $62,964,330 | 6,074 |
| Average equity | $8,709,000 | 5,749 |
| Average total loans | $13,852,000 | 7,574 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.0855% | 8,155 |
| Cost of funding earning assets | 2.1415% | 3,082 |
| Net interest margin | -1.0559% | 8,190 |
| Noninterest income to average assets | 0.1599% | 7,131 |
| Noninterest expense to average assets | 5.5152% | 377 |
| Loan and lease loss provision to assets | 0.1660% | 5,404 |
| Net operating income to assets | -6.5082% | 8,025 |
| Return on assets (ROA) | -6.5082% | 8,015 |
| Pretax return on assets | -6.5082% | 7,981 |
| Return on Equity (ROE) | -47.0340% | 7,899 |
| Retained earnings to average equity (ytd only) | -47.0340% | 7,892 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | -666.9145% | 8,192 |
| Assets per employee ($millions) | 2.3005% | 7,549 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4311% | 7,870 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 18.0714% | 8,053 |
| Net loans and leases to deposits | 20.8311% | 8,079 |
| Net loans and leases to core deposits | 36.1308% | 7,977 |
| Total domestic deposits to total assets | 86.7522% | 2,377 |
| Equity capital to assets | 12.5668% | 1,892 |
| Core capital (leverage) ratio | 12.9097% | 1,463 |
| Tier 1 risk-based capital ratio | 37.6153% | 358 |
| Total risk-based capital ratio | 37.8595% | 372 |
| Memoranda: | ||
| Average total assets | $65,056,500 | 6,259 |
| Average earning assets | $60,799,000 | 6,194 |
| Average equity | $9,002,000 | 5,688 |
| Average total loans | $9,274,000 | 7,891 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.5784% | 8,225 |
| Cost of funding earning assets | 1.5851% | 6,092 |
| Net interest margin | -1.0068% | 8,243 |
| Noninterest income to average assets | 0.0065% | 8,029 |
| Noninterest expense to average assets | 4.9691% | 498 |
| Loan and lease loss provision to assets | 0.0589% | 6,221 |
| Net operating income to assets | -5.9445% | 8,084 |
| Return on assets (ROA) | -5.9445% | 8,076 |
| Pretax return on assets | -5.9445% | 8,044 |
| Return on Equity (ROE) | -38.9240% | 7,976 |
| Retained earnings to average equity (ytd only) | -38.9240% | 7,952 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | -542.1429% | 8,243 |
| Assets per employee ($millions) | 2.3499% | 7,524 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1495% | 8,138 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 9.8416% | 8,161 |
| Net loans and leases to deposits | 12.1088% | 8,168 |
| Net loans and leases to core deposits | 23.1145% | 8,124 |
| Total domestic deposits to total assets | 81.2760% | 4,848 |
| Equity capital to assets | 15.2722% | 1,022 |
| Core capital (leverage) ratio | 51.7568% | 71 |
| Tier 1 risk-based capital ratio | 32.4106% | 512 |
| Total risk-based capital ratio | 32.4429% | 563 |
| Memoranda: | ||
| Average total assets | $61,098,000 | 6,435 |
| Average earning assets | $56,021,000 | 6,415 |
| Average equity | $9,331,000 | 5,590 |
| Average total loans | $6,022,000 | 8,081 |