Home > Huntingdon Valley Bank > Performance and Condition Ratios
Huntingdon Valley Bank, Performance and Condition Ratios
| 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 | 5.5033% | 623 |
| Cost of funding earning assets | 1.7871% | 462 |
| Net interest margin | 3.7161% | 1,862 |
| Noninterest income to average assets | 0.8100% | 834 |
| Noninterest expense to average assets | 3.6181% | 474 |
| Loan and lease loss provision to assets | 0.0200% | 2,260 |
| Net operating income to assets | 0.4884% | 3,925 |
| Return on assets (ROA) | 0.4884% | 3,889 |
| Pretax return on assets | 0.6801% | 3,701 |
| Return on Equity (ROE) | 5.9300% | 3,728 |
| Retained earnings to average equity (ytd only) | 5.9315% | 2,781 |
| Net charge-offs to loans | -0.0033% | 3,525 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 83.8628% | 595 |
| Assets per employee ($millions) | 5.3114% | 3,403 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6752% | 4,276 |
| Loan loss allowance to noncurrent loans | 105.4799% | 3,306 |
| Noncurrent assets plus other real estate owned to assets | 0.5131% | 1,011 |
| Noncurrent loans to loans | 0.6401% | 1,178 |
| Net loans and leases to total assets | 78.1600% | 747 |
| Net loans and leases to deposits | 92.7820% | 866 |
| Net loans and leases to core deposits | 103.7970% | 932 |
| Total domestic deposits to total assets | 84.2400% | 3,047 |
| Equity capital to assets | 8.2811% | 3,052 |
| Core capital (leverage) ratio | 8.8034% | 3,900 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3352% | 2,894 |
| Memoranda: | ||
| Average total assets | $621,659,000 | 1,453 |
| Average earning assets | $586,633,000 | 1,426 |
| Average equity | $51,184,500 | 1,582 |
| Average total loans | $490,364,000 | 1,247 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1900% | 1,267 |
| Cost of funding earning assets | 0.6591% | 693 |
| Net interest margin | 3.5309% | 1,836 |
| Noninterest income to average assets | 1.3500% | 388 |
| Noninterest expense to average assets | 3.7997% | 382 |
| Loan and lease loss provision to assets | 0.2600% | 356 |
| Net operating income to assets | 0.4744% | 4,123 |
| Return on assets (ROA) | 0.4766% | 4,088 |
| Pretax return on assets | 0.6003% | 4,026 |
| Return on Equity (ROE) | 5.6800% | 3,889 |
| Retained earnings to average equity (ytd only) | 5.6793% | 2,758 |
| Net charge-offs to loans | 0.0762% | 887 |
| Credit loss provision to net charge-offs | 487.3016% | 691 |
| Earnings coverage of net charge-offs (x) | 15.9016% | 1,993 |
| Efficiency ratio | 81.5166% | 621 |
| Assets per employee ($millions) | 4.7067% | 3,889 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7357% | 4,159 |
| Loan loss allowance to noncurrent loans | 118.5393% | 3,204 |
| Noncurrent assets plus other real estate owned to assets | 0.5003% | 1,022 |
| Noncurrent loans to loans | 0.6206% | 1,198 |
| Net loans and leases to total assets | 78.4900% | 752 |
| Net loans and leases to deposits | 91.4966% | 949 |
| Net loans and leases to core deposits | 100.1355% | 998 |
| Total domestic deposits to total assets | 85.7900% | 2,783 |
| Equity capital to assets | 8.1852% | 2,944 |
| Core capital (leverage) ratio | 8.6830% | 3,971 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3839% | 2,893 |
| Memoranda: | ||
| Average total assets | $581,382,600 | 1,535 |
| Average earning assets | $545,464,200 | 1,514 |
| Average equity | $48,791,000 | 1,653 |
| Average total loans | $413,597,800 | 1,348 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8046% | 1,745 |
| Cost of funding earning assets | 0.4004% | 1,285 |
| Net interest margin | 3.4042% | 1,962 |
| Noninterest income to average assets | 1.6200% | 334 |
| Noninterest expense to average assets | 3.8221% | 369 |
| Loan and lease loss provision to assets | 0.3200% | 209 |
| Net operating income to assets | 0.5437% | 3,983 |
| Return on assets (ROA) | 0.5467% | 3,919 |
| Pretax return on assets | 0.6748% | 3,845 |
| Return on Equity (ROE) | 6.4700% | 3,694 |
| Retained earnings to average equity (ytd only) | 6.4719% | 2,563 |
| Net charge-offs to loans | 0.1141% | 550 |
| Credit loss provision to net charge-offs | 402.0710% | 701 |
| Earnings coverage of net charge-offs (x) | 12.5473% | 1,913 |
| Efficiency ratio | 79.4674% | 804 |
| Assets per employee ($millions) | 4.5043% | 4,054 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7316% | 4,206 |
| Loan loss allowance to noncurrent loans | 107.7926% | 3,310 |
| Noncurrent assets plus other real estate owned to assets | 0.5209% | 1,045 |
| Noncurrent loans to loans | 0.6788% | 1,201 |
| Net loans and leases to total assets | 76.1800% | 895 |
| Net loans and leases to deposits | 90.7443% | 843 |
| Net loans and leases to core deposits | 95.9936% | 1,000 |
| Total domestic deposits to total assets | 83.9500% | 3,516 |
| Equity capital to assets | 8.2283% | 2,734 |
| Core capital (leverage) ratio | 9.0569% | 3,551 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7071% | 2,891 |
| Memoranda: | ||
| Average total assets | $572,583,750 | 1,565 |
| Average earning assets | $536,458,500 | 1,550 |
| Average equity | $48,371,750 | 1,681 |
| Average total loans | $395,107,250 | 1,398 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4537% | 2,287 |
| Cost of funding earning assets | 0.3259% | 1,474 |
| Net interest margin | 3.1278% | 2,444 |
| Noninterest income to average assets | 1.8789% | 250 |
| Noninterest expense to average assets | 3.8701% | 307 |
| Loan and lease loss provision to assets | 0.2671% | 261 |
| Net operating income to assets | 0.5325% | 3,815 |
| Return on assets (ROA) | 0.5325% | 3,767 |
| Pretax return on assets | 0.6677% | 3,658 |
| Return on Equity (ROE) | 6.2452% | 3,517 |
| Retained earnings to average equity (ytd only) | 6.2452% | 2,260 |
| Net charge-offs to loans | 0.0693% | 747 |
| Credit loss provision to net charge-offs | 582.1705% | 585 |
| Earnings coverage of net charge-offs (x) | 20.3721% | 1,550 |
| Efficiency ratio | 80.5449% | 903 |
| Assets per employee ($millions) | 4.1742% | 4,279 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7293% | 4,288 |
| Loan loss allowance to noncurrent loans | 115.0000% | 3,267 |
| Noncurrent assets plus other real estate owned to assets | 0.4547% | 1,244 |
| Noncurrent loans to loans | 0.6342% | 1,343 |
| Net loans and leases to total assets | 71.1704% | 1,189 |
| Net loans and leases to deposits | 83.8111% | 1,134 |
| Net loans and leases to core deposits | 86.5507% | 1,297 |
| Total domestic deposits to total assets | 84.9177% | 3,499 |
| Equity capital to assets | 8.6149% | 2,679 |
| Core capital (leverage) ratio | 9.3616% | 3,058 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9040% | 2,529 |
| Memoranda: | ||
| Average total assets | $562,254,000 | 1,594 |
| Average earning assets | $525,989,000 | 1,597 |
| Average equity | $47,941,000 | 1,736 |
| Average total loans | $372,408,333 | 1,469 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1883% | 2,720 |
| Cost of funding earning assets | 0.3273% | 1,399 |
| Net interest margin | 2.8610% | 2,956 |
| Noninterest income to average assets | 2.2237% | 205 |
| Noninterest expense to average assets | 4.1876% | 243 |
| Loan and lease loss provision to assets | 0.0811% | 1,009 |
| Net operating income to assets | 0.5123% | 3,678 |
| Return on assets (ROA) | 0.5123% | 3,647 |
| Pretax return on assets | 0.6271% | 3,560 |
| Return on Equity (ROE) | 6.0407% | 3,336 |
| Retained earnings to average equity (ytd only) | 6.0407% | 2,241 |
| Net charge-offs to loans | 0.0385% | 897 |
| Credit loss provision to net charge-offs | 332.3529% | 636 |
| Earnings coverage of net charge-offs (x) | 29.0294% | 1,147 |
| Efficiency ratio | 85.5342% | 763 |
| Assets per employee ($millions) | 3.8421% | 4,458 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7206% | 4,354 |
| Loan loss allowance to noncurrent loans | 95.1751% | 3,428 |
| Noncurrent assets plus other real estate owned to assets | 0.4613% | 1,325 |
| Noncurrent loans to loans | 0.7572% | 1,258 |
| Net loans and leases to total assets | 60.4854% | 2,013 |
| Net loans and leases to deposits | 71.8188% | 1,795 |
| Net loans and leases to core deposits | 72.8421% | 2,037 |
| Total domestic deposits to total assets | 84.2195% | 3,722 |
| Equity capital to assets | 8.8422% | 2,849 |
| Core capital (leverage) ratio | 9.2198% | 3,120 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5297% | 1,977 |
| Memoranda: | ||
| Average total assets | $557,450,500 | 1,608 |
| Average earning assets | $520,661,500 | 1,613 |
| Average equity | $47,279,000 | 1,807 |
| Average total loans | $353,619,500 | 1,512 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8383% | 4,147 |
| Cost of funding earning assets | 0.3323% | 2,098 |
| Net interest margin | 2.5060% | 4,180 |
| Noninterest income to average assets | 2.1386% | 280 |
| Noninterest expense to average assets | 3.4788% | 494 |
| Loan and lease loss provision to assets | 0.0893% | 1,390 |
| Net operating income to assets | 0.6929% | 3,646 |
| Return on assets (ROA) | 0.7041% | 3,671 |
| Pretax return on assets | 0.9537% | 3,369 |
| Return on Equity (ROE) | 10.5143% | 2,342 |
| Retained earnings to average equity (ytd only) | 10.5143% | 803 |
| Net charge-offs to loans | 0.0515% | 1,299 |
| Credit loss provision to net charge-offs | 273.7624% | 1,120 |
| Earnings coverage of net charge-offs (x) | 31.5297% | 1,575 |
| Efficiency ratio | 77.1761% | 1,012 |
| Assets per employee ($millions) | 3.9006% | 4,455 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6438% | 4,501 |
| Loan loss allowance to noncurrent loans | 63.0962% | 3,772 |
| Noncurrent assets plus other real estate owned to assets | 0.6728% | 960 |
| Noncurrent loans to loans | 1.0203% | 965 |
| Net loans and leases to total assets | 65.5182% | 1,529 |
| Net loans and leases to deposits | 77.7701% | 1,417 |
| Net loans and leases to core deposits | 78.8735% | 1,690 |
| Total domestic deposits to total assets | 84.2460% | 3,489 |
| Equity capital to assets | 8.1208% | 4,292 |
| Core capital (leverage) ratio | 8.2428% | 4,177 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1096% | 2,593 |
| Memoranda: | ||
| Average total assets | $619,061,400 | 1,414 |
| Average earning assets | $585,242,600 | 1,402 |
| Average equity | $41,457,800 | 2,031 |
| Average total loans | $392,167,000 | 1,401 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7332% | 4,374 |
| Cost of funding earning assets | 0.3346% | 2,257 |
| Net interest margin | 2.3986% | 4,397 |
| Noninterest income to average assets | 2.3403% | 265 |
| Noninterest expense to average assets | 3.3712% | 558 |
| Loan and lease loss provision to assets | 0.1354% | 843 |
| Net operating income to assets | 0.8055% | 3,514 |
| Return on assets (ROA) | 0.8186% | 3,551 |
| Pretax return on assets | 1.1225% | 3,150 |
| Return on Equity (ROE) | 12.8234% | 1,755 |
| Retained earnings to average equity (ytd only) | 12.8234% | 667 |
| Net charge-offs to loans | 0.0676% | 969 |
| Credit loss provision to net charge-offs | 318.8119% | 975 |
| Earnings coverage of net charge-offs (x) | 29.2376% | 1,539 |
| Efficiency ratio | 73.0885% | 1,296 |
| Assets per employee ($millions) | 3.7620% | 4,558 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6400% | 4,584 |
| Loan loss allowance to noncurrent loans | 62.2689% | 3,819 |
| Noncurrent assets plus other real estate owned to assets | 0.7392% | 996 |
| Noncurrent loans to loans | 1.0278% | 1,110 |
| Net loans and leases to total assets | 71.4666% | 927 |
| Net loans and leases to deposits | 85.6491% | 849 |
| Net loans and leases to core deposits | 86.9276% | 1,221 |
| Total domestic deposits to total assets | 83.4412% | 3,594 |
| Equity capital to assets | 8.4094% | 4,265 |
| Core capital (leverage) ratio | 8.6259% | 3,909 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5196% | 2,540 |
| Memoranda: | ||
| Average total assets | $634,379,250 | 1,407 |
| Average earning assets | $600,942,000 | 1,387 |
| Average equity | $40,498,000 | 2,096 |
| Average total loans | $398,253,250 | 1,411 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4570% | 4,646 |
| Cost of funding earning assets | 0.3278% | 2,517 |
| Net interest margin | 2.1291% | 4,642 |
| Noninterest income to average assets | 2.3909% | 264 |
| Noninterest expense to average assets | 3.1762% | 749 |
| Loan and lease loss provision to assets | 0.1243% | 1,009 |
| Net operating income to assets | 0.8027% | 3,506 |
| Return on assets (ROA) | 0.8027% | 3,580 |
| Pretax return on assets | 1.1192% | 3,148 |
| Return on Equity (ROE) | 13.7355% | 1,497 |
| Retained earnings to average equity (ytd only) | 13.7355% | 590 |
| Net charge-offs to loans | 0.0854% | 828 |
| Credit loss provision to net charge-offs | 241.2791% | 974 |
| Earnings coverage of net charge-offs (x) | 24.1395% | 1,444 |
| Efficiency ratio | 71.8642% | 1,446 |
| Assets per employee ($millions) | 3.7434% | 4,584 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5554% | 4,700 |
| Loan loss allowance to noncurrent loans | 80.2272% | 3,584 |
| Noncurrent assets plus other real estate owned to assets | 0.5154% | 1,622 |
| Noncurrent loans to loans | 0.6922% | 1,695 |
| Net loans and leases to total assets | 74.0470% | 745 |
| Net loans and leases to deposits | 91.0087% | 588 |
| Net loans and leases to core deposits | 93.7028% | 918 |
| Total domestic deposits to total assets | 81.3626% | 4,035 |
| Equity capital to assets | 8.0188% | 4,520 |
| Core capital (leverage) ratio | 8.0962% | 4,343 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1047% | 2,324 |
| Memoranda: | ||
| Average total assets | $667,773,000 | 1,338 |
| Average earning assets | $636,316,667 | 1,319 |
| Average equity | $39,023,000 | 2,137 |
| Average total loans | $402,927,000 | 1,399 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1529% | 4,804 |
| Cost of funding earning assets | 0.3065% | 2,920 |
| Net interest margin | 1.8464% | 4,794 |
| Noninterest income to average assets | 2.1895% | 322 |
| Noninterest expense to average assets | 2.8820% | 1,192 |
| Loan and lease loss provision to assets | 0.0813% | 1,589 |
| Net operating income to assets | 0.7282% | 3,640 |
| Return on assets (ROA) | 0.7282% | 3,707 |
| Pretax return on assets | 0.9995% | 3,372 |
| Return on Equity (ROE) | 14.4831% | 1,333 |
| Retained earnings to average equity (ytd only) | 14.4831% | 696 |
| Net charge-offs to loans | 0.1716% | 465 |
| Credit loss provision to net charge-offs | 86.0465% | 1,183 |
| Earnings coverage of net charge-offs (x) | 11.4419% | 1,452 |
| Efficiency ratio | 72.7273% | 1,429 |
| Assets per employee ($millions) | 4.2854% | 4,282 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4949% | 4,775 |
| Loan loss allowance to noncurrent loans | 67.6281% | 3,751 |
| Noncurrent assets plus other real estate owned to assets | 0.4947% | 1,908 |
| Noncurrent loans to loans | 0.7319% | 1,772 |
| Net loans and leases to total assets | 67.2643% | 1,626 |
| Net loans and leases to deposits | 83.1980% | 1,225 |
| Net loans and leases to core deposits | 87.4542% | 1,416 |
| Total domestic deposits to total assets | 80.8484% | 4,090 |
| Equity capital to assets | 6.2454% | 4,922 |
| Core capital (leverage) ratio | 5.8050% | 4,967 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0803% | 2,259 |
| Memoranda: | ||
| Average total assets | $728,394,000 | 1,245 |
| Average earning assets | $699,511,000 | 1,214 |
| Average equity | $36,622,000 | 2,223 |
| Average total loans | $400,915,500 | 1,409 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8924% | 4,707 |
| Cost of funding earning assets | 0.6631% | 1,912 |
| Net interest margin | 2.2293% | 4,744 |
| Noninterest income to average assets | 3.4056% | 163 |
| Noninterest expense to average assets | 3.7184% | 515 |
| Loan and lease loss provision to assets | 0.2222% | 1,764 |
| Net operating income to assets | 1.1439% | 1,748 |
| Return on assets (ROA) | 1.1663% | 1,778 |
| Pretax return on assets | 1.6107% | 1,052 |
| Return on Equity (ROE) | 18.0329% | 331 |
| Retained earnings to average equity (ytd only) | 18.0329% | 87 |
| Net charge-offs to loans | 0.1505% | 1,079 |
| Credit loss provision to net charge-offs | 209.6408% | 2,114 |
| Earnings coverage of net charge-offs (x) | 17.0246% | 2,100 |
| Efficiency ratio | 67.3246% | 2,320 |
| Assets per employee ($millions) | 6.8342% | 1,686 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5053% | 4,789 |
| Loan loss allowance to noncurrent loans | 89.4854% | 3,470 |
| Noncurrent assets plus other real estate owned to assets | 0.2618% | 2,993 |
| Noncurrent loans to loans | 0.5647% | 2,289 |
| Net loans and leases to total assets | 46.1200% | 4,118 |
| Net loans and leases to deposits | 53.9772% | 4,111 |
| Net loans and leases to core deposits | 55.7510% | 4,163 |
| Total domestic deposits to total assets | 85.4434% | 2,596 |
| Equity capital to assets | 4.1855% | 4,995 |
| Core capital (leverage) ratio | 7.3693% | 4,872 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4115% | 2,483 |
| Memoranda: | ||
| Average total assets | $499,026,400 | 1,555 |
| Average earning assets | $474,000,400 | 1,523 |
| Average equity | $32,274,400 | 2,377 |
| Average total loans | $351,429,200 | 1,503 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4068% | 4,335 |
| Cost of funding earning assets | 0.8369% | 1,327 |
| Net interest margin | 2.5699% | 4,600 |
| Noninterest income to average assets | 4.0256% | 131 |
| Noninterest expense to average assets | 4.4761% | 255 |
| Loan and lease loss provision to assets | 0.3214% | 1,230 |
| Net operating income to assets | 1.1863% | 1,685 |
| Return on assets (ROA) | 1.2226% | 1,689 |
| Pretax return on assets | 1.6904% | 988 |
| Return on Equity (ROE) | 15.9405% | 552 |
| Retained earnings to average equity (ytd only) | 15.9405% | 160 |
| Net charge-offs to loans | 0.2015% | 759 |
| Credit loss provision to net charge-offs | 192.0078% | 2,141 |
| Earnings coverage of net charge-offs (x) | 11.7407% | 2,285 |
| Efficiency ratio | 69.4837% | 1,962 |
| Assets per employee ($millions) | 4.2873% | 4,058 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4571% | 4,845 |
| Loan loss allowance to noncurrent loans | 84.5438% | 3,495 |
| Noncurrent assets plus other real estate owned to assets | 0.4463% | 2,405 |
| Noncurrent loans to loans | 0.5406% | 2,448 |
| Net loans and leases to total assets | 82.1772% | 416 |
| Net loans and leases to deposits | 111.1115% | 212 |
| Net loans and leases to core deposits | 118.4331% | 449 |
| Total domestic deposits to total assets | 73.9592% | 4,566 |
| Equity capital to assets | 6.6936% | 4,979 |
| Core capital (leverage) ratio | 8.3615% | 4,414 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9074% | 2,649 |
| Memoranda: | ||
| Average total assets | $408,504,250 | 1,813 |
| Average earning assets | $384,083,500 | 1,801 |
| Average equity | $31,332,500 | 2,409 |
| Average total loans | $339,495,750 | 1,532 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5734% | 4,307 |
| Cost of funding earning assets | 0.9585% | 1,113 |
| Net interest margin | 2.6148% | 4,640 |
| Noninterest income to average assets | 3.2071% | 151 |
| Noninterest expense to average assets | 4.2054% | 331 |
| Loan and lease loss provision to assets | 0.2984% | 1,442 |
| Net operating income to assets | 0.8295% | 2,941 |
| Return on assets (ROA) | 0.8887% | 2,855 |
| Pretax return on assets | 1.2318% | 2,251 |
| Return on Equity (ROE) | 10.9613% | 1,643 |
| Retained earnings to average equity (ytd only) | 10.9613% | 610 |
| Net charge-offs to loans | 0.0976% | 1,293 |
| Credit loss provision to net charge-offs | 366.6667% | 1,475 |
| Earnings coverage of net charge-offs (x) | 17.8824% | 1,799 |
| Efficiency ratio | 74.2930% | 1,437 |
| Assets per employee ($millions) | 4.2294% | 4,073 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5202% | 4,815 |
| Loan loss allowance to noncurrent loans | 66.4865% | 3,784 |
| Noncurrent assets plus other real estate owned to assets | 0.6561% | 1,859 |
| Noncurrent loans to loans | 0.7824% | 1,935 |
| Net loans and leases to total assets | 83.4263% | 299 |
| Net loans and leases to deposits | 115.8053% | 130 |
| Net loans and leases to core deposits | 122.8329% | 365 |
| Total domestic deposits to total assets | 72.0401% | 4,706 |
| Equity capital to assets | 7.4954% | 4,876 |
| Core capital (leverage) ratio | 8.2367% | 4,603 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6803% | 1,933 |
| Memoranda: | ||
| Average total assets | $376,038,000 | 1,903 |
| Average earning assets | $352,832,000 | 1,885 |
| Average equity | $30,489,000 | 2,438 |
| Average total loans | $313,445,667 | 1,624 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6301% | 4,494 |
| Cost of funding earning assets | 1.1290% | 957 |
| Net interest margin | 2.5012% | 4,827 |
| Noninterest income to average assets | 3.1856% | 140 |
| Noninterest expense to average assets | 5.1698% | 207 |
| Loan and lease loss provision to assets | 0.1259% | 2,131 |
| Net operating income to assets | 0.1781% | 4,557 |
| Return on assets (ROA) | 0.1781% | 4,567 |
| Pretax return on assets | 0.2348% | 4,533 |
| Return on Equity (ROE) | 2.1015% | 4,424 |
| Retained earnings to average equity (ytd only) | 2.1015% | 3,408 |
| Net charge-offs to loans | -0.0014% | 3,622 |
| Credit loss provision to net charge-offs | -11,100.0000% | 3,975 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.4769% | 382 |
| Assets per employee ($millions) | 3.4990% | 4,481 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5315% | 4,846 |
| Loan loss allowance to noncurrent loans | 40.9355% | 4,242 |
| Noncurrent assets plus other real estate owned to assets | 1.0708% | 1,219 |
| Noncurrent loans to loans | 1.2984% | 1,260 |
| Net loans and leases to total assets | 82.0300% | 432 |
| Net loans and leases to deposits | 102.8986% | 413 |
| Net loans and leases to core deposits | 111.7924% | 766 |
| Total domestic deposits to total assets | 79.7193% | 3,906 |
| Equity capital to assets | 8.4984% | 4,835 |
| Core capital (leverage) ratio | 8.7439% | 4,633 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8144% | 2,361 |
| Memoranda: | ||
| Average total assets | $352,586,000 | 1,949 |
| Average earning assets | $330,567,000 | 1,932 |
| Average equity | $29,883,000 | 2,462 |
| Average total loans | $292,823,500 | 1,669 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7044% | 4,674 |
| Cost of funding earning assets | 1.1614% | 1,122 |
| Net interest margin | 2.5430% | 4,948 |
| Noninterest income to average assets | 1.9915% | 262 |
| Noninterest expense to average assets | 3.8384% | 635 |
| Loan and lease loss provision to assets | 0.2433% | 769 |
| Net operating income to assets | 0.2551% | 4,792 |
| Return on assets (ROA) | 0.3071% | 4,770 |
| Pretax return on assets | 0.3934% | 4,721 |
| Return on Equity (ROE) | 3.7034% | 4,533 |
| Retained earnings to average equity (ytd only) | 3.7034% | 3,144 |
| Net charge-offs to loans | 0.1217% | 1,539 |
| Credit loss provision to net charge-offs | 246.6463% | 1,103 |
| Earnings coverage of net charge-offs (x) | 5.7866% | 3,044 |
| Efficiency ratio | 87.0523% | 486 |
| Assets per employee ($millions) | 3.6266% | 4,351 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4884% | 4,900 |
| Loan loss allowance to noncurrent loans | 38.7959% | 4,296 |
| Noncurrent assets plus other real estate owned to assets | 1.0529% | 1,182 |
| Noncurrent loans to loans | 1.2590% | 1,197 |
| Net loans and leases to total assets | 83.2263% | 396 |
| Net loans and leases to deposits | 101.9071% | 474 |
| Net loans and leases to core deposits | 113.7315% | 686 |
| Total domestic deposits to total assets | 81.6688% | 3,597 |
| Equity capital to assets | 8.4522% | 4,926 |
| Core capital (leverage) ratio | 8.5161% | 4,836 |
| Tier 1 risk-based capital ratio | 14.0230% | 3,262 |
| Total risk-based capital ratio | 14.7000% | 3,437 |
| Memoranda: | ||
| Average total assets | $332,455,000 | 1,971 |
| Average earning assets | $316,085,400 | 1,939 |
| Average equity | $27,569,400 | 2,523 |
| Average total loans | $269,604,600 | 1,734 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6649% | 4,818 |
| Cost of funding earning assets | 1.1138% | 1,293 |
| Net interest margin | 2.5511% | 5,034 |
| Noninterest income to average assets | 2.0678% | 250 |
| Noninterest expense to average assets | 3.8657% | 616 |
| Loan and lease loss provision to assets | 0.3138% | 460 |
| Net operating income to assets | 0.2555% | 4,897 |
| Return on assets (ROA) | 0.3268% | 4,834 |
| Pretax return on assets | 0.4094% | 4,805 |
| Return on Equity (ROE) | 3.9612% | 4,603 |
| Retained earnings to average equity (ytd only) | 3.9612% | 3,419 |
| Net charge-offs to loans | 0.1989% | 876 |
| Credit loss provision to net charge-offs | 196.1832% | 1,333 |
| Earnings coverage of net charge-offs (x) | 3.9644% | 3,057 |
| Efficiency ratio | 85.9094% | 510 |
| Assets per employee ($millions) | 3.7196% | 4,256 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4619% | 5,017 |
| Loan loss allowance to noncurrent loans | 37.5457% | 4,391 |
| Noncurrent assets plus other real estate owned to assets | 1.0055% | 1,330 |
| Noncurrent loans to loans | 1.2302% | 1,266 |
| Net loans and leases to total assets | 81.3538% | 654 |
| Net loans and leases to deposits | 100.2186% | 616 |
| Net loans and leases to core deposits | 117.1726% | 621 |
| Total domestic deposits to total assets | 81.1763% | 3,699 |
| Equity capital to assets | 8.3332% | 5,056 |
| Core capital (leverage) ratio | 8.6144% | 4,881 |
| Tier 1 risk-based capital ratio | 15.2477% | 2,741 |
| Total risk-based capital ratio | 15.9375% | 2,917 |
| Memoranda: | ||
| Average total assets | $327,624,500 | 2,004 |
| Average earning assets | $312,324,500 | 1,957 |
| Average equity | $27,028,500 | 2,573 |
| Average total loans | $263,453,750 | 1,770 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6008% | 4,929 |
| Cost of funding earning assets | 1.0294% | 1,572 |
| Net interest margin | 2.5713% | 5,090 |
| Noninterest income to average assets | 1.9458% | 279 |
| Noninterest expense to average assets | 3.7211% | 730 |
| Loan and lease loss provision to assets | 0.3304% | 397 |
| Net operating income to assets | 0.2936% | 4,882 |
| Return on assets (ROA) | 0.2978% | 4,887 |
| Pretax return on assets | 0.3623% | 4,874 |
| Return on Equity (ROE) | 3.6228% | 4,664 |
| Retained earnings to average equity (ytd only) | 3.6228% | 3,437 |
| Net charge-offs to loans | 0.2361% | 711 |
| Credit loss provision to net charge-offs | 175.0831% | 1,336 |
| Earnings coverage of net charge-offs (x) | 3.6445% | 2,816 |
| Efficiency ratio | 84.4021% | 628 |
| Assets per employee ($millions) | 3.7085% | 4,230 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4289% | 5,083 |
| Loan loss allowance to noncurrent loans | 36.0806% | 4,454 |
| Noncurrent assets plus other real estate owned to assets | 0.9602% | 1,451 |
| Noncurrent loans to loans | 1.1887% | 1,351 |
| Net loans and leases to total assets | 80.4336% | 815 |
| Net loans and leases to deposits | 98.4047% | 805 |
| Net loans and leases to core deposits | 118.3321% | 591 |
| Total domestic deposits to total assets | 81.7376% | 3,595 |
| Equity capital to assets | 8.4650% | 5,055 |
| Core capital (leverage) ratio | 9.2551% | 4,404 |
| Tier 1 risk-based capital ratio | 15.3081% | 2,707 |
| Total risk-based capital ratio | 15.9360% | 2,902 |
| Memoranda: | ||
| Average total assets | $319,046,670 | 2,053 |
| Average earning assets | $305,602,670 | 2,004 |
| Average equity | $26,222,670 | 2,619 |
| Average total loans | $255,003,670 | 1,821 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6334% | 4,930 |
| Cost of funding earning assets | 0.9961% | 1,579 |
| Net interest margin | 2.6373% | 5,112 |
| Noninterest income to average assets | 1.3962% | 442 |
| Noninterest expense to average assets | 3.5639% | 882 |
| Loan and lease loss provision to assets | 0.3117% | 406 |
| Net operating income to assets | 0.0766% | 5,102 |
| Return on assets (ROA) | 0.0831% | 5,103 |
| Pretax return on assets | 0.0545% | 5,120 |
| Return on Equity (ROE) | 1.0284% | 5,065 |
| Retained earnings to average equity (ytd only) | 1.0284% | 4,303 |
| Net charge-offs to loans | 0.2305% | 624 |
| Credit loss provision to net charge-offs | 170.2128% | 1,153 |
| Earnings coverage of net charge-offs (x) | 1.9645% | 2,542 |
| Efficiency ratio | 90.8309% | 362 |
| Assets per employee ($millions) | 3.7173% | 4,326 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4374% | 5,140 |
| Loan loss allowance to noncurrent loans | 47.8024% | 4,298 |
| Noncurrent assets plus other real estate owned to assets | 0.7330% | 1,912 |
| Noncurrent loans to loans | 0.9150% | 1,829 |
| Net loans and leases to total assets | 79.7524% | 872 |
| Net loans and leases to deposits | 91.5941% | 1,444 |
| Net loans and leases to core deposits | 106.0587% | 1,168 |
| Total domestic deposits to total assets | 87.0715% | 1,776 |
| Equity capital to assets | 8.3224% | 5,075 |
| Core capital (leverage) ratio | 8.3373% | 5,091 |
| Tier 1 risk-based capital ratio | 15.3629% | 2,719 |
| Total risk-based capital ratio | 16.0024% | 2,920 |
| Memoranda: | ||
| Average total assets | $307,979,500 | 2,146 |
| Average earning assets | $295,154,000 | 2,078 |
| Average equity | $24,893,500 | 2,727 |
| Average total loans | $244,702,500 | 1,892 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5974% | 4,802 |
| Cost of funding earning assets | 0.8189% | 1,442 |
| Net interest margin | 2.7785% | 5,038 |
| Noninterest income to average assets | 1.3323% | 518 |
| Noninterest expense to average assets | 3.5298% | 960 |
| Loan and lease loss provision to assets | 0.0965% | 2,229 |
| Net operating income to assets | 0.2950% | 5,014 |
| Return on assets (ROA) | 0.2953% | 5,009 |
| Pretax return on assets | 0.3572% | 4,988 |
| Return on Equity (ROE) | 3.4153% | 4,836 |
| Retained earnings to average equity (ytd only) | 3.4153% | 3,713 |
| Net charge-offs to loans | -0.0009% | 4,181 |
| Credit loss provision to net charge-offs | -13,500.0000% | 4,980 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.6176% | 403 |
| Assets per employee ($millions) | 4.3730% | 3,340 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3852% | 5,225 |
| Loan loss allowance to noncurrent loans | 51.4255% | 4,293 |
| Noncurrent assets plus other real estate owned to assets | 0.5904% | 2,261 |
| Noncurrent loans to loans | 0.7490% | 2,123 |
| Net loans and leases to total assets | 78.5303% | 1,176 |
| Net loans and leases to deposits | 89.4805% | 1,865 |
| Net loans and leases to core deposits | 102.5682% | 1,538 |
| Total domestic deposits to total assets | 87.7624% | 1,409 |
| Equity capital to assets | 7.8537% | 5,208 |
| Core capital (leverage) ratio | 7.9937% | 5,236 |
| Tier 1 risk-based capital ratio | 14.6228% | 3,007 |
| Total risk-based capital ratio | 15.1867% | 3,242 |
| Memoranda: | ||
| Average total assets | $279,674,400 | 2,271 |
| Average earning assets | $266,830,000 | 2,215 |
| Average equity | $24,185,000 | 2,708 |
| Average total loans | $216,287,000 | 2,056 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5676% | 4,855 |
| Cost of funding earning assets | 0.7469% | 1,600 |
| Net interest margin | 2.8207% | 5,067 |
| Noninterest income to average assets | 1.4821% | 433 |
| Noninterest expense to average assets | 3.6335% | 816 |
| Loan and lease loss provision to assets | 0.1211% | 1,669 |
| Net operating income to assets | 0.3318% | 5,058 |
| Return on assets (ROA) | 0.3322% | 5,050 |
| Pretax return on assets | 0.4140% | 5,024 |
| Return on Equity (ROE) | 3.7422% | 4,879 |
| Retained earnings to average equity (ytd only) | 3.7422% | 3,902 |
| Net charge-offs to loans | -0.0006% | 3,998 |
| Credit loss provision to net charge-offs | -24,600.0000% | 4,940 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.1752% | 447 |
| Assets per employee ($millions) | 4.1736% | 3,609 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3845% | 5,303 |
| Loan loss allowance to noncurrent loans | 55.1601% | 4,301 |
| Noncurrent assets plus other real estate owned to assets | 0.5690% | 2,482 |
| Noncurrent loans to loans | 0.6970% | 2,335 |
| Net loans and leases to total assets | 81.3157% | 824 |
| Net loans and leases to deposits | 95.2053% | 1,246 |
| Net loans and leases to core deposits | 111.1943% | 958 |
| Total domestic deposits to total assets | 85.4109% | 2,454 |
| Equity capital to assets | 8.2194% | 5,074 |
| Core capital (leverage) ratio | 8.3161% | 5,198 |
| Tier 1 risk-based capital ratio | 14.8390% | 2,953 |
| Total risk-based capital ratio | 15.4026% | 3,210 |
| Memoranda: | ||
| Average total assets | $270,878,750 | 2,333 |
| Average earning assets | $257,943,500 | 2,294 |
| Average equity | $24,049,250 | 2,733 |
| Average total loans | $208,305,250 | 2,116 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4474% | 4,979 |
| Cost of funding earning assets | 0.6654% | 1,836 |
| Net interest margin | 2.7820% | 5,140 |
| Noninterest income to average assets | 1.7485% | 337 |
| Noninterest expense to average assets | 3.8903% | 608 |
| Loan and lease loss provision to assets | 0.1425% | 1,362 |
| Net operating income to assets | 0.3020% | 5,111 |
| Return on assets (ROA) | 0.3026% | 5,106 |
| Pretax return on assets | 0.3613% | 5,093 |
| Return on Equity (ROE) | 3.3157% | 4,962 |
| Retained earnings to average equity (ytd only) | 3.3157% | 3,920 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.5496% | 432 |
| Assets per employee ($millions) | 4.1095% | 3,714 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3836% | 5,371 |
| Loan loss allowance to noncurrent loans | 55.9050% | 4,307 |
| Noncurrent assets plus other real estate owned to assets | 0.5340% | 2,632 |
| Noncurrent loans to loans | 0.6862% | 2,392 |
| Net loans and leases to total assets | 77.5223% | 1,389 |
| Net loans and leases to deposits | 94.8266% | 1,264 |
| Net loans and leases to core deposits | 98.0595% | 1,890 |
| Total domestic deposits to total assets | 81.7516% | 3,792 |
| Equity capital to assets | 8.2393% | 5,110 |
| Core capital (leverage) ratio | 8.7674% | 4,915 |
| Tier 1 risk-based capital ratio | 15.0255% | 2,861 |
| Total risk-based capital ratio | 15.5667% | 3,122 |
| Memoranda: | ||
| Average total assets | $262,397,330 | 2,397 |
| Average earning assets | $249,464,000 | 2,366 |
| Average equity | $23,947,000 | 2,757 |
| Average total loans | $197,111,330 | 2,212 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3672% | 5,060 |
| Cost of funding earning assets | 0.5229% | 2,608 |
| Net interest margin | 2.8443% | 5,104 |
| Noninterest income to average assets | 1.8280% | 301 |
| Noninterest expense to average assets | 4.1420% | 442 |
| Loan and lease loss provision to assets | 0.1227% | 1,539 |
| Net operating income to assets | 0.2311% | 5,210 |
| Return on assets (ROA) | 0.2325% | 5,207 |
| Pretax return on assets | 0.2616% | 5,197 |
| Return on Equity (ROE) | 2.4100% | 5,122 |
| Retained earnings to average equity (ytd only) | 2.4100% | 4,205 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.5418% | 379 |
| Assets per employee ($millions) | 3.6312% | 4,501 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3961% | 5,431 |
| Loan loss allowance to noncurrent loans | 53.0398% | 4,403 |
| Noncurrent assets plus other real estate owned to assets | 0.5550% | 2,669 |
| Noncurrent loans to loans | 0.7468% | 2,343 |
| Net loans and leases to total assets | 74.0314% | 1,851 |
| Net loans and leases to deposits | 87.8513% | 1,948 |
| Net loans and leases to core deposits | 101.3326% | 1,583 |
| Total domestic deposits to total assets | 84.2690% | 3,207 |
| Equity capital to assets | 9.2543% | 4,312 |
| Core capital (leverage) ratio | 9.9568% | 3,579 |
| Tier 1 risk-based capital ratio | 16.6797% | 2,217 |
| Total risk-based capital ratio | 17.2086% | 2,434 |
| Memoranda: | ||
| Average total assets | $247,709,000 | 2,535 |
| Average earning assets | $234,853,500 | 2,493 |
| Average equity | $23,900,500 | 2,783 |
| Average total loans | $182,136,500 | 2,348 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0261% | 5,338 |
| Cost of funding earning assets | 0.4770% | 2,529 |
| Net interest margin | 2.5491% | 5,382 |
| Noninterest income to average assets | 2.0831% | 279 |
| Noninterest expense to average assets | 3.9621% | 562 |
| Loan and lease loss provision to assets | 0.0649% | 2,920 |
| Net operating income to assets | 0.3313% | 4,873 |
| Return on assets (ROA) | 0.3445% | 4,866 |
| Pretax return on assets | 0.4944% | 4,941 |
| Return on Equity (ROE) | 3.5751% | 4,656 |
| Retained earnings to average equity (ytd only) | 3.5751% | 3,131 |
| Net charge-offs to loans | 0.0672% | 2,500 |
| Credit loss provision to net charge-offs | 164.7727% | 1,630 |
| Earnings coverage of net charge-offs (x) | 13.7273% | 2,373 |
| Efficiency ratio | 87.9968% | 534 |
| Assets per employee ($millions) | 3.3000% | 4,937 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3956% | 5,491 |
| Loan loss allowance to noncurrent loans | 54.9035% | 4,384 |
| Noncurrent assets plus other real estate owned to assets | 0.5236% | 2,815 |
| Noncurrent loans to loans | 0.7205% | 2,403 |
| Net loans and leases to total assets | 72.3758% | 2,164 |
| Net loans and leases to deposits | 87.1496% | 2,111 |
| Net loans and leases to core deposits | 92.7326% | 2,301 |
| Total domestic deposits to total assets | 83.0478% | 3,546 |
| Equity capital to assets | 10.0765% | 3,617 |
| Core capital (leverage) ratio | 10.5945% | 2,743 |
| Tier 1 risk-based capital ratio | 17.9254% | 1,820 |
| Total risk-based capital ratio | 18.4390% | 1,987 |
| Memoranda: | ||
| Average total assets | $223,517,400 | 2,696 |
| Average earning assets | $212,156,800 | 2,643 |
| Average equity | $21,537,800 | 2,990 |
| Average total loans | $130,988,000 | 2,902 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9353% | 5,458 |
| Cost of funding earning assets | 0.4667% | 2,549 |
| Net interest margin | 2.4686% | 5,494 |
| Noninterest income to average assets | 2.2230% | 265 |
| Noninterest expense to average assets | 4.0860% | 470 |
| Loan and lease loss provision to assets | 0.0394% | 3,320 |
| Net operating income to assets | 0.3147% | 5,193 |
| Return on assets (ROA) | 0.3327% | 5,179 |
| Pretax return on assets | 0.4697% | 5,086 |
| Return on Equity (ROE) | 3.4961% | 4,980 |
| Retained earnings to average equity (ytd only) | 3.4961% | 3,836 |
| Net charge-offs to loans | 0.0851% | 1,951 |
| Credit loss provision to net charge-offs | 84.4156% | 2,523 |
| Earnings coverage of net charge-offs (x) | 10.3640% | 2,602 |
| Efficiency ratio | 89.4164% | 434 |
| Assets per employee ($millions) | 2.9558% | 5,296 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4115% | 5,553 |
| Loan loss allowance to noncurrent loans | 43.1579% | 4,684 |
| Noncurrent assets plus other real estate owned to assets | 0.7293% | 2,319 |
| Noncurrent loans to loans | 0.9534% | 2,018 |
| Net loans and leases to total assets | 69.9401% | 2,564 |
| Net loans and leases to deposits | 85.2026% | 2,408 |
| Net loans and leases to core deposits | 87.0264% | 2,871 |
| Total domestic deposits to total assets | 82.0868% | 3,750 |
| Equity capital to assets | 11.2079% | 2,661 |
| Core capital (leverage) ratio | 11.2738% | 2,206 |
| Tier 1 risk-based capital ratio | 20.2452% | 1,315 |
| Total risk-based capital ratio | 20.7718% | 1,440 |
| Memoranda: | ||
| Average total assets | $219,996,000 | 2,750 |
| Average earning assets | $209,126,500 | 2,690 |
| Average equity | $20,936,750 | 3,067 |
| Average total loans | $120,572,500 | 3,075 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7660% | 5,572 |
| Cost of funding earning assets | 0.4542% | 2,565 |
| Net interest margin | 2.3117% | 5,603 |
| Noninterest income to average assets | 2.4498% | 237 |
| Noninterest expense to average assets | 4.1872% | 419 |
| Loan and lease loss provision to assets | 0.0594% | 2,783 |
| Net operating income to assets | 0.2801% | 5,271 |
| Return on assets (ROA) | 0.2851% | 5,269 |
| Pretax return on assets | 0.4119% | 5,160 |
| Return on Equity (ROE) | 3.1756% | 5,066 |
| Retained earnings to average equity (ytd only) | 3.1756% | 3,822 |
| Net charge-offs to loans | 0.1785% | 1,112 |
| Credit loss provision to net charge-offs | 66.6667% | 2,410 |
| Earnings coverage of net charge-offs (x) | 5.2121% | 2,849 |
| Efficiency ratio | 90.0232% | 452 |
| Assets per employee ($millions) | 2.8644% | 5,384 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4737% | 5,544 |
| Loan loss allowance to noncurrent loans | 42.1165% | 4,758 |
| Noncurrent assets plus other real estate owned to assets | 0.6643% | 2,547 |
| Noncurrent loans to loans | 1.1248% | 1,745 |
| Net loans and leases to total assets | 58.7768% | 3,946 |
| Net loans and leases to deposits | 71.1822% | 3,810 |
| Net loans and leases to core deposits | 72.3810% | 4,068 |
| Total domestic deposits to total assets | 82.5724% | 3,694 |
| Equity capital to assets | 11.1588% | 2,646 |
| Core capital (leverage) ratio | 11.2306% | 2,197 |
| Tier 1 risk-based capital ratio | 21.2137% | 1,154 |
| Total risk-based capital ratio | 21.7485% | 1,242 |
| Memoranda: | ||
| Average total assets | $222,389,670 | 2,746 |
| Average earning assets | $211,789,330 | 2,682 |
| Average equity | $19,965,000 | 3,160 |
| Average total loans | $110,944,000 | 3,209 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7314% | 5,632 |
| Cost of funding earning assets | 0.4414% | 2,602 |
| Net interest margin | 2.2900% | 5,667 |
| Noninterest income to average assets | 2.4728% | 236 |
| Noninterest expense to average assets | 4.3954% | 360 |
| Loan and lease loss provision to assets | -0.0211% | 5,676 |
| Net operating income to assets | 0.1933% | 5,402 |
| Return on assets (ROA) | 0.1933% | 5,416 |
| Pretax return on assets | 0.2777% | 5,343 |
| Return on Equity (ROE) | 2.4281% | 5,252 |
| Retained earnings to average equity (ytd only) | 2.4281% | 4,175 |
| Net charge-offs to loans | 0.3853% | 476 |
| Credit loss provision to net charge-offs | -12.0000% | 3,798 |
| Earnings coverage of net charge-offs (x) | 1.4600% | 2,729 |
| Efficiency ratio | 94.4843% | 364 |
| Assets per employee ($millions) | 3.0314% | 5,325 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4889% | 5,603 |
| Loan loss allowance to noncurrent loans | 49.4231% | 4,658 |
| Noncurrent assets plus other real estate owned to assets | 0.4901% | 3,268 |
| Noncurrent loans to loans | 0.9891% | 2,070 |
| Net loans and leases to total assets | 49.3075% | 4,731 |
| Net loans and leases to deposits | 59.4131% | 4,605 |
| Net loans and leases to core deposits | 60.1474% | 4,767 |
| Total domestic deposits to total assets | 82.9910% | 3,845 |
| Equity capital to assets | 10.9774% | 2,648 |
| Core capital (leverage) ratio | 10.8553% | 2,533 |
| Tier 1 risk-based capital ratio | 22.7324% | 1,008 |
| Total risk-based capital ratio | 23.2365% | 1,067 |
| Memoranda: | ||
| Average total assets | $227,600,500 | 2,726 |
| Average earning assets | $216,595,500 | 2,671 |
| Average equity | $18,121,000 | 3,400 |
| Average total loans | $103,825,500 | 3,345 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0213% | 5,486 |
| Cost of funding earning assets | 0.4383% | 2,626 |
| Net interest margin | 2.5830% | 5,534 |
| Noninterest income to average assets | 2.8591% | 218 |
| Noninterest expense to average assets | 4.4892% | 383 |
| Loan and lease loss provision to assets | 0.0989% | 2,401 |
| Net operating income to assets | 0.4957% | 4,647 |
| Return on assets (ROA) | 0.5041% | 4,689 |
| Pretax return on assets | 0.7266% | 4,404 |
| Return on Equity (ROE) | 7.5583% | 3,188 |
| Retained earnings to average equity (ytd only) | 7.5583% | 1,018 |
| Net charge-offs to loans | 0.0282% | 3,461 |
| Credit loss provision to net charge-offs | 606.4516% | 563 |
| Earnings coverage of net charge-offs (x) | 49.8710% | 1,010 |
| Efficiency ratio | 84.6597% | 944 |
| Assets per employee ($millions) | 3.5218% | 4,730 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6107% | 5,507 |
| Loan loss allowance to noncurrent loans | 55.3492% | 4,567 |
| Noncurrent assets plus other real estate owned to assets | 0.4922% | 3,291 |
| Noncurrent loans to loans | 1.1033% | 1,882 |
| Net loans and leases to total assets | 41.9260% | 5,235 |
| Net loans and leases to deposits | 46.7601% | 5,342 |
| Net loans and leases to core deposits | 47.2251% | 5,394 |
| Total domestic deposits to total assets | 89.6618% | 786 |
| Equity capital to assets | 5.3284% | 5,872 |
| Core capital (leverage) ratio | 6.5774% | 5,838 |
| Tier 1 risk-based capital ratio | 12.8400% | 4,176 |
| Total risk-based capital ratio | 13.4729% | 4,441 |
| Memoranda: | ||
| Average total assets | $190,057,200 | 3,059 |
| Average earning assets | $179,790,600 | 3,019 |
| Average equity | $12,674,800 | 4,140 |
| Average total loans | $109,780,600 | 3,218 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2723% | 5,250 |
| Cost of funding earning assets | 0.4674% | 2,394 |
| Net interest margin | 2.8049% | 5,352 |
| Noninterest income to average assets | 3.4912% | 171 |
| Noninterest expense to average assets | 4.9789% | 271 |
| Loan and lease loss provision to assets | 0.1327% | 1,767 |
| Net operating income to assets | 0.6806% | 3,959 |
| Return on assets (ROA) | 0.6922% | 4,027 |
| Pretax return on assets | 1.0398% | 3,473 |
| Return on Equity (ROE) | 9.7090% | 2,184 |
| Retained earnings to average equity (ytd only) | 9.7090% | 638 |
| Net charge-offs to loans | 0.0394% | 2,843 |
| Credit loss provision to net charge-offs | 533.3333% | 670 |
| Earnings coverage of net charge-offs (x) | 46.4232% | 1,132 |
| Efficiency ratio | 81.1678% | 1,281 |
| Assets per employee ($millions) | 2.6718% | 5,620 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5137% | 5,716 |
| Loan loss allowance to noncurrent loans | 54.5455% | 4,628 |
| Noncurrent assets plus other real estate owned to assets | 0.7245% | 2,752 |
| Noncurrent loans to loans | 0.9419% | 2,357 |
| Net loans and leases to total assets | 66.2056% | 3,087 |
| Net loans and leases to deposits | 83.4347% | 2,553 |
| Net loans and leases to core deposits | 84.5598% | 3,072 |
| Total domestic deposits to total assets | 79.3502% | 4,646 |
| Equity capital to assets | 7.3717% | 5,856 |
| Core capital (leverage) ratio | 7.4313% | 5,836 |
| Tier 1 risk-based capital ratio | 12.3046% | 4,605 |
| Total risk-based capital ratio | 12.8778% | 4,930 |
| Memoranda: | ||
| Average total assets | $176,821,000 | 3,215 |
| Average earning assets | $166,608,500 | 3,171 |
| Average equity | $12,606,500 | 4,196 |
| Average total loans | $111,599,000 | 3,203 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2483% | 5,368 |
| Cost of funding earning assets | 0.4484% | 2,585 |
| Net interest margin | 2.7999% | 5,425 |
| Noninterest income to average assets | 3.8435% | 159 |
| Noninterest expense to average assets | 5.2904% | 233 |
| Loan and lease loss provision to assets | 0.0602% | 2,938 |
| Net operating income to assets | 0.7467% | 3,564 |
| Return on assets (ROA) | 0.7564% | 3,671 |
| Pretax return on assets | 1.1460% | 3,001 |
| Return on Equity (ROE) | 10.7333% | 1,751 |
| Retained earnings to average equity (ytd only) | 10.7333% | 475 |
| Net charge-offs to loans | 0.0660% | 2,249 |
| Credit loss provision to net charge-offs | 147.2222% | 1,613 |
| Earnings coverage of net charge-offs (x) | 29.1389% | 1,408 |
| Efficiency ratio | 81.6191% | 1,315 |
| Assets per employee ($millions) | 2.8282% | 5,587 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4106% | 5,870 |
| Loan loss allowance to noncurrent loans | 42.5328% | 4,995 |
| Noncurrent assets plus other real estate owned to assets | 0.6854% | 2,935 |
| Noncurrent loans to loans | 0.9654% | 2,347 |
| Net loans and leases to total assets | 64.2545% | 3,331 |
| Net loans and leases to deposits | 81.3831% | 2,775 |
| Net loans and leases to core deposits | 82.3097% | 3,238 |
| Total domestic deposits to total assets | 78.9532% | 4,797 |
| Equity capital to assets | 7.0559% | 5,960 |
| Core capital (leverage) ratio | 7.6332% | 5,849 |
| Tier 1 risk-based capital ratio | 12.0374% | 4,799 |
| Total risk-based capital ratio | 12.4900% | 5,207 |
| Memoranda: | ||
| Average total assets | $176,091,670 | 3,242 |
| Average earning assets | $165,932,330 | 3,197 |
| Average equity | $12,410,000 | 4,249 |
| Average total loans | $109,090,000 | 3,251 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1908% | 5,493 |
| Cost of funding earning assets | 0.4586% | 2,481 |
| Net interest margin | 2.7321% | 5,568 |
| Noninterest income to average assets | 3.1541% | 189 |
| Noninterest expense to average assets | 5.1980% | 245 |
| Loan and lease loss provision to assets | 0.0604% | 2,741 |
| Net operating income to assets | 0.3793% | 5,054 |
| Return on assets (ROA) | 0.3925% | 5,093 |
| Pretax return on assets | 0.4854% | 5,122 |
| Return on Equity (ROE) | 5.5732% | 4,189 |
| Retained earnings to average equity (ytd only) | 5.5732% | 2,600 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.7543% | 621 |
| Assets per employee ($millions) | 2.8759% | 5,621 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4768% | 5,884 |
| Loan loss allowance to noncurrent loans | 32.2056% | 5,245 |
| Noncurrent assets plus other real estate owned to assets | 0.9850% | 2,245 |
| Noncurrent loans to loans | 1.4806% | 1,594 |
| Net loans and leases to total assets | 58.8915% | 3,938 |
| Net loans and leases to deposits | 69.0362% | 3,951 |
| Net loans and leases to core deposits | 69.6787% | 4,264 |
| Total domestic deposits to total assets | 85.3053% | 2,999 |
| Equity capital to assets | 7.0347% | 6,002 |
| Core capital (leverage) ratio | 7.2403% | 5,966 |
| Tier 1 risk-based capital ratio | 12.2495% | 4,751 |
| Total risk-based capital ratio | 12.7502% | 5,141 |
| Memoranda: | ||
| Average total assets | $172,221,000 | 3,300 |
| Average earning assets | $162,217,000 | 3,254 |
| Average equity | $12,129,500 | 4,312 |
| Average total loans | $104,331,000 | 3,345 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1665% | 5,550 |
| Cost of funding earning assets | 0.4762% | 2,383 |
| Net interest margin | 2.6903% | 5,662 |
| Noninterest income to average assets | 2.8148% | 223 |
| Noninterest expense to average assets | 4.9756% | 283 |
| Loan and lease loss provision to assets | -0.0106% | 5,630 |
| Net operating income to assets | 0.3035% | 5,353 |
| Return on assets (ROA) | 0.3105% | 5,411 |
| Pretax return on assets | 0.3889% | 5,343 |
| Return on Equity (ROE) | 4.5034% | 4,742 |
| Retained earnings to average equity (ytd only) | 4.5034% | 2,777 |
| Net charge-offs to loans | 0.0020% | 4,409 |
| Credit loss provision to net charge-offs | -900.0000% | 5,547 |
| Earnings coverage of net charge-offs (x) | 313.5000% | 227 |
| Efficiency ratio | 93.0879% | 525 |
| Assets per employee ($millions) | 2.7707% | 5,725 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4473% | 5,957 |
| Loan loss allowance to noncurrent loans | 29.1848% | 5,347 |
| Noncurrent assets plus other real estate owned to assets | 1.2165% | 1,779 |
| Noncurrent loans to loans | 1.5326% | 1,514 |
| Net loans and leases to total assets | 61.7617% | 3,588 |
| Net loans and leases to deposits | 72.4099% | 3,674 |
| Net loans and leases to core deposits | 73.2381% | 4,020 |
| Total domestic deposits to total assets | 85.2944% | 2,954 |
| Equity capital to assets | 7.0516% | 6,051 |
| Core capital (leverage) ratio | 7.5274% | 5,974 |
| Tier 1 risk-based capital ratio | 12.9172% | 4,377 |
| Total risk-based capital ratio | 13.4188% | 4,752 |
| Memoranda: | ||
| Average total assets | $169,708,600 | 3,308 |
| Average earning assets | $159,607,600 | 3,259 |
| Average equity | $11,702,200 | 4,355 |
| Average total loans | $99,212,400 | 3,400 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1332% | 5,664 |
| Cost of funding earning assets | 0.4788% | 2,421 |
| Net interest margin | 2.6544% | 5,784 |
| Noninterest income to average assets | 2.8882% | 222 |
| Noninterest expense to average assets | 5.0276% | 280 |
| Loan and lease loss provision to assets | -0.0165% | 5,835 |
| Net operating income to assets | 0.3125% | 5,417 |
| Return on assets (ROA) | 0.3210% | 5,474 |
| Pretax return on assets | 0.3846% | 5,491 |
| Return on Equity (ROE) | 4.6816% | 4,762 |
| Retained earnings to average equity (ytd only) | 4.6816% | 3,141 |
| Net charge-offs to loans | 0.0027% | 4,092 |
| Credit loss provision to net charge-offs | -1,050.0000% | 5,501 |
| Earnings coverage of net charge-offs (x) | 227.7079% | 317 |
| Efficiency ratio | 93.3547% | 507 |
| Assets per employee ($millions) | 2.6802% | 5,847 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4714% | 6,040 |
| Loan loss allowance to noncurrent loans | 32.0937% | 5,398 |
| Noncurrent assets plus other real estate owned to assets | 1.1843% | 1,995 |
| Noncurrent loans to loans | 1.4688% | 1,704 |
| Net loans and leases to total assets | 59.2069% | 3,980 |
| Net loans and leases to deposits | 68.8845% | 4,105 |
| Net loans and leases to core deposits | 69.6767% | 4,405 |
| Total domestic deposits to total assets | 85.9510% | 2,549 |
| Equity capital to assets | 7.2291% | 6,113 |
| Core capital (leverage) ratio | 7.2005% | 6,103 |
| Tier 1 risk-based capital ratio | 13.4299% | 4,177 |
| Total risk-based capital ratio | 13.9549% | 4,517 |
| Memoranda: | ||
| Average total assets | $169,883,000 | 3,333 |
| Average earning assets | $159,834,000 | 3,287 |
| Average equity | $11,648,250 | 4,413 |
| Average total loans | $97,802,250 | 3,454 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0597% | 5,788 |
| Cost of funding earning assets | 0.4783% | 2,446 |
| Net interest margin | 2.5814% | 5,899 |
| Noninterest income to average assets | 2.9967% | 217 |
| Noninterest expense to average assets | 5.2642% | 244 |
| Loan and lease loss provision to assets | 0.0304% | 3,517 |
| Net operating income to assets | 0.1870% | 5,726 |
| Return on assets (ROA) | 0.1940% | 5,770 |
| Pretax return on assets | 0.1379% | 5,895 |
| Return on Equity (ROE) | 2.8803% | 5,442 |
| Retained earnings to average equity (ytd only) | 2.8803% | 4,206 |
| Net charge-offs to loans | 0.0021% | 3,830 |
| Credit loss provision to net charge-offs | 2,600.0000% | 158 |
| Earnings coverage of net charge-offs (x) | 138.0000% | 458 |
| Efficiency ratio | 97.0271% | 403 |
| Assets per employee ($millions) | 2.9585% | 5,643 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5135% | 6,078 |
| Loan loss allowance to noncurrent loans | 31.1515% | 5,481 |
| Noncurrent assets plus other real estate owned to assets | 1.3188% | 1,903 |
| Noncurrent loans to loans | 1.6485% | 1,585 |
| Net loans and leases to total assets | 59.0469% | 3,970 |
| Net loans and leases to deposits | 68.4317% | 4,095 |
| Net loans and leases to core deposits | 69.2012% | 4,392 |
| Total domestic deposits to total assets | 86.2859% | 2,533 |
| Equity capital to assets | 6.7933% | 6,221 |
| Core capital (leverage) ratio | 6.8150% | 6,210 |
| Tier 1 risk-based capital ratio | 12.4641% | 4,836 |
| Total risk-based capital ratio | 13.0163% | 5,206 |
| Memoranda: | ||
| Average total assets | $171,119,000 | 3,330 |
| Average earning assets | $160,996,000 | 3,291 |
| Average equity | $11,526,670 | 4,465 |
| Average total loans | $97,452,000 | 3,482 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0430% | 5,851 |
| Cost of funding earning assets | 0.4780% | 2,470 |
| Net interest margin | 2.5650% | 5,957 |
| Noninterest income to average assets | 2.8336% | 232 |
| Noninterest expense to average assets | 5.2007% | 264 |
| Loan and lease loss provision to assets | 0.0603% | 2,722 |
| Net operating income to assets | 0.1648% | 5,753 |
| Return on assets (ROA) | 0.1787% | 5,804 |
| Pretax return on assets | 0.0023% | 6,046 |
| Return on Equity (ROE) | 2.6639% | 5,486 |
| Retained earnings to average equity (ytd only) | 2.6639% | 4,352 |
| Net charge-offs to loans | 0.0042% | 3,180 |
| Credit loss provision to net charge-offs | 2,600.0000% | 153 |
| Earnings coverage of net charge-offs (x) | 21.0000% | 1,392 |
| Efficiency ratio | 99.0716% | 393 |
| Assets per employee ($millions) | 3.0112% | 5,648 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5415% | 6,127 |
| Loan loss allowance to noncurrent loans | 30.1466% | 5,545 |
| Noncurrent assets plus other real estate owned to assets | 1.2486% | 2,140 |
| Noncurrent loans to loans | 1.7964% | 1,515 |
| Net loans and leases to total assets | 54.9995% | 4,318 |
| Net loans and leases to deposits | 63.6651% | 4,404 |
| Net loans and leases to core deposits | 64.4892% | 4,657 |
| Total domestic deposits to total assets | 86.3888% | 2,717 |
| Equity capital to assets | 6.8132% | 6,278 |
| Core capital (leverage) ratio | 6.7842% | 6,257 |
| Tier 1 risk-based capital ratio | 13.5546% | 4,298 |
| Total risk-based capital ratio | 14.1572% | 4,572 |
| Memoranda: | ||
| Average total assets | $172,360,000 | 3,325 |
| Average earning assets | $162,342,000 | 3,292 |
| Average equity | $11,562,000 | 4,495 |
| Average total loans | $96,133,500 | 3,519 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2601% | 5,761 |
| Cost of funding earning assets | 0.5103% | 2,570 |
| Net interest margin | 2.7498% | 5,876 |
| Noninterest income to average assets | 2.2070% | 295 |
| Noninterest expense to average assets | 4.3938% | 507 |
| Loan and lease loss provision to assets | 0.1970% | 1,296 |
| Net operating income to assets | 0.1635% | 5,844 |
| Return on assets (ROA) | 0.1690% | 5,880 |
| Pretax return on assets | 0.1982% | 5,872 |
| Return on Equity (ROE) | 2.6389% | 5,591 |
| Retained earnings to average equity (ytd only) | 2.6389% | 4,366 |
| Net charge-offs to loans | 0.3596% | 1,211 |
| Credit loss provision to net charge-offs | 101.5337% | 2,357 |
| Earnings coverage of net charge-offs (x) | 2.0031% | 4,274 |
| Efficiency ratio | 91.8731% | 716 |
| Assets per employee ($millions) | 2.9336% | 5,783 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5023% | 6,254 |
| Loan loss allowance to noncurrent loans | 30.0553% | 5,650 |
| Noncurrent assets plus other real estate owned to assets | 1.3901% | 2,006 |
| Noncurrent loans to loans | 1.6712% | 1,750 |
| Net loans and leases to total assets | 55.9642% | 4,340 |
| Net loans and leases to deposits | 64.2522% | 4,503 |
| Net loans and leases to core deposits | 65.1305% | 4,740 |
| Total domestic deposits to total assets | 87.1009% | 2,225 |
| Equity capital to assets | 6.6038% | 6,370 |
| Core capital (leverage) ratio | 6.6569% | 6,349 |
| Tier 1 risk-based capital ratio | 12.9865% | 4,738 |
| Total risk-based capital ratio | 13.5489% | 5,073 |
| Memoranda: | ||
| Average total assets | $168,010,400 | 3,368 |
| Average earning assets | $157,358,800 | 3,324 |
| Average equity | $10,762,000 | 4,607 |
| Average total loans | $90,651,800 | 3,617 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3309% | 5,709 |
| Cost of funding earning assets | 0.5161% | 2,599 |
| Net interest margin | 2.8148% | 5,854 |
| Noninterest income to average assets | 2.0318% | 335 |
| Noninterest expense to average assets | 4.2915% | 557 |
| Loan and lease loss provision to assets | 0.2327% | 945 |
| Net operating income to assets | 0.1286% | 5,981 |
| Return on assets (ROA) | 0.1351% | 6,003 |
| Pretax return on assets | 0.1487% | 6,011 |
| Return on Equity (ROE) | 2.1268% | 5,809 |
| Retained earnings to average equity (ytd only) | 2.1268% | 4,992 |
| Net charge-offs to loans | 0.4870% | 803 |
| Credit loss provision to net charge-offs | 89.5385% | 2,440 |
| Earnings coverage of net charge-offs (x) | 1.4400% | 4,155 |
| Efficiency ratio | 91.9794% | 712 |
| Assets per employee ($millions) | 2.8322% | 5,932 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4871% | 6,351 |
| Loan loss allowance to noncurrent loans | 25.1253% | 5,848 |
| Noncurrent assets plus other real estate owned to assets | 1.3100% | 2,365 |
| Noncurrent loans to loans | 1.9386% | 1,651 |
| Net loans and leases to total assets | 54.2235% | 4,551 |
| Net loans and leases to deposits | 62.9235% | 4,652 |
| Net loans and leases to core deposits | 63.8067% | 4,895 |
| Total domestic deposits to total assets | 86.1737% | 2,774 |
| Equity capital to assets | 6.4968% | 6,445 |
| Core capital (leverage) ratio | 6.7191% | 6,416 |
| Tier 1 risk-based capital ratio | 12.1425% | 5,406 |
| Total risk-based capital ratio | 12.6259% | 5,784 |
| Memoranda: | ||
| Average total assets | $166,742,500 | 3,409 |
| Average earning assets | $156,028,750 | 3,361 |
| Average equity | $10,595,000 | 4,672 |
| Average total loans | $88,976,500 | 3,686 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2990% | 5,793 |
| Cost of funding earning assets | 0.5208% | 2,633 |
| Net interest margin | 2.7782% | 5,948 |
| Noninterest income to average assets | 1.6719% | 463 |
| Noninterest expense to average assets | 4.3240% | 535 |
| Loan and lease loss provision to assets | 0.3356% | 550 |
| Net operating income to assets | -0.2211% | 6,331 |
| Return on assets (ROA) | -0.2149% | 6,338 |
| Pretax return on assets | -0.3766% | 6,388 |
| Return on Equity (ROE) | -3.4078% | 6,392 |
| Retained earnings to average equity (ytd only) | -3.4078% | 6,126 |
| Net charge-offs to loans | 0.1322% | 2,342 |
| Credit loss provision to net charge-offs | 479.3103% | 611 |
| Earnings coverage of net charge-offs (x) | -0.7241% | 4,190 |
| Efficiency ratio | 101.1864% | 375 |
| Assets per employee ($millions) | 2.5316% | 6,269 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7182% | 6,143 |
| Loan loss allowance to noncurrent loans | 37.5000% | 5,576 |
| Noncurrent assets plus other real estate owned to assets | 1.3625% | 2,402 |
| Noncurrent loans to loans | 1.9151% | 1,779 |
| Net loans and leases to total assets | 57.4578% | 4,059 |
| Net loans and leases to deposits | 67.4734% | 4,112 |
| Net loans and leases to core deposits | 68.2407% | 4,441 |
| Total domestic deposits to total assets | 85.1562% | 3,433 |
| Equity capital to assets | 6.3206% | 6,507 |
| Core capital (leverage) ratio | 6.7510% | 6,468 |
| Tier 1 risk-based capital ratio | 11.2733% | 5,923 |
| Total risk-based capital ratio | 12.0009% | 6,105 |
| Memoranda: | ||
| Average total assets | $165,680,000 | 3,448 |
| Average earning assets | $155,138,000 | 3,391 |
| Average equity | $10,446,670 | 4,716 |
| Average total loans | $87,771,000 | 3,723 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3214% | 5,799 |
| Cost of funding earning assets | 0.5405% | 2,497 |
| Net interest margin | 2.7809% | 5,976 |
| Noninterest income to average assets | 1.1826% | 797 |
| Noninterest expense to average assets | 4.6399% | 400 |
| Loan and lease loss provision to assets | -0.0049% | 6,380 |
| Net operating income to assets | -0.4958% | 6,468 |
| Return on assets (ROA) | -0.4911% | 6,467 |
| Pretax return on assets | -0.8430% | 6,538 |
| Return on Equity (ROE) | -7.7986% | 6,528 |
| Retained earnings to average equity (ytd only) | -7.7986% | 6,277 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 122.5952% | 161 |
| Assets per employee ($millions) | 2.8555% | 6,039 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5674% | 6,445 |
| Loan loss allowance to noncurrent loans | 25.9398% | 5,951 |
| Noncurrent assets plus other real estate owned to assets | 1.4137% | 2,504 |
| Noncurrent loans to loans | 2.1874% | 1,666 |
| Net loans and leases to total assets | 52.0020% | 4,678 |
| Net loans and leases to deposits | 59.8044% | 4,781 |
| Net loans and leases to core deposits | 60.4960% | 4,993 |
| Total domestic deposits to total assets | 86.9534% | 2,839 |
| Equity capital to assets | 6.3639% | 6,537 |
| Core capital (leverage) ratio | 6.6609% | 6,525 |
| Tier 1 risk-based capital ratio | 11.6872% | 5,819 |
| Total risk-based capital ratio | 12.2111% | 6,123 |
| Memoranda: | ||
| Average total assets | $163,710,000 | 3,502 |
| Average earning assets | $153,189,500 | 3,456 |
| Average equity | $10,309,500 | 4,763 |
| Average total loans | $82,574,000 | 3,871 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3761% | 5,885 |
| Cost of funding earning assets | 0.6081% | 2,590 |
| Net interest margin | 2.7680% | 6,030 |
| Noninterest income to average assets | 1.3917% | 725 |
| Noninterest expense to average assets | 4.1680% | 719 |
| Loan and lease loss provision to assets | 0.0057% | 5,012 |
| Net operating income to assets | -0.0987% | 6,298 |
| Return on assets (ROA) | 0.0050% | 6,244 |
| Pretax return on assets | -0.0442% | 6,260 |
| Return on Equity (ROE) | 0.0732% | 6,244 |
| Retained earnings to average equity (ytd only) | 0.0732% | 5,821 |
| Net charge-offs to loans | 0.0797% | 4,105 |
| Credit loss provision to net charge-offs | 13.8462% | 4,539 |
| Earnings coverage of net charge-offs (x) | -4.8923% | 5,389 |
| Efficiency ratio | 105.0564% | 353 |
| Assets per employee ($millions) | 2.6558% | 6,268 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6061% | 6,466 |
| Loan loss allowance to noncurrent loans | 24.3964% | 6,091 |
| Noncurrent assets plus other real estate owned to assets | 1.5511% | 2,403 |
| Noncurrent loans to loans | 2.4842% | 1,526 |
| Net loans and leases to total assets | 48.3065% | 5,264 |
| Net loans and leases to deposits | 55.7495% | 5,327 |
| Net loans and leases to core deposits | 56.7891% | 5,479 |
| Total domestic deposits to total assets | 86.6492% | 2,906 |
| Equity capital to assets | 6.2317% | 6,598 |
| Core capital (leverage) ratio | 6.8532% | 6,548 |
| Tier 1 risk-based capital ratio | 12.3029% | 5,427 |
| Total risk-based capital ratio | 12.8444% | 5,799 |
| Memoranda: | ||
| Average total assets | $158,515,400 | 3,585 |
| Average earning assets | $147,507,400 | 3,547 |
| Average equity | $10,932,800 | 4,650 |
| Average total loans | $81,578,800 | 3,891 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3953% | 5,885 |
| Cost of funding earning assets | 0.6169% | 2,670 |
| Net interest margin | 2.7784% | 6,050 |
| Noninterest income to average assets | 1.2817% | 897 |
| Noninterest expense to average assets | 4.1805% | 698 |
| Loan and lease loss provision to assets | 0.0127% | 4,745 |
| Net operating income to assets | -0.1467% | 6,430 |
| Return on assets (ROA) | -0.0059% | 6,352 |
| Pretax return on assets | -0.1096% | 6,407 |
| Return on Equity (ROE) | -0.0840% | 6,354 |
| Retained earnings to average equity (ytd only) | -0.0840% | 5,953 |
| Net charge-offs to loans | 0.0033% | 5,140 |
| Credit loss provision to net charge-offs | 750.0000% | 382 |
| Earnings coverage of net charge-offs (x) | -186.2622% | 5,207 |
| Efficiency ratio | 108.1996% | 292 |
| Assets per employee ($millions) | 2.6542% | 6,324 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6685% | 6,477 |
| Loan loss allowance to noncurrent loans | 38.5904% | 5,683 |
| Noncurrent assets plus other real estate owned to assets | 2.2688% | 1,743 |
| Noncurrent loans to loans | 1.7324% | 2,596 |
| Net loans and leases to total assets | 51.5966% | 4,931 |
| Net loans and leases to deposits | 59.8811% | 4,985 |
| Net loans and leases to core deposits | 61.0403% | 5,217 |
| Total domestic deposits to total assets | 86.1651% | 3,150 |
| Equity capital to assets | 6.5891% | 6,632 |
| Core capital (leverage) ratio | 6.8745% | 6,611 |
| Tier 1 risk-based capital ratio | 11.8840% | 5,850 |
| Total risk-based capital ratio | 12.4885% | 6,139 |
| Memoranda: | ||
| Average total assets | $156,980,000 | 3,640 |
| Average earning assets | $145,882,750 | 3,609 |
| Average equity | $11,100,750 | 4,668 |
| Average total loans | $81,967,250 | 3,917 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3689% | 5,969 |
| Cost of funding earning assets | 0.6344% | 2,637 |
| Net interest margin | 2.7345% | 6,124 |
| Noninterest income to average assets | 1.2713% | 957 |
| Noninterest expense to average assets | 4.2990% | 629 |
| Loan and lease loss provision to assets | 0.0512% | 3,966 |
| Net operating income to assets | -0.2712% | 6,533 |
| Return on assets (ROA) | -0.0615% | 6,416 |
| Pretax return on assets | -0.2074% | 6,502 |
| Return on Equity (ROE) | -0.8493% | 6,442 |
| Retained earnings to average equity (ytd only) | -0.8493% | 6,020 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 112.6846% | 241 |
| Assets per employee ($millions) | 2.5967% | 6,404 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6879% | 6,513 |
| Loan loss allowance to noncurrent loans | 34.7073% | 5,855 |
| Noncurrent assets plus other real estate owned to assets | 2.4852% | 1,705 |
| Noncurrent loans to loans | 1.9821% | 2,420 |
| Net loans and leases to total assets | 53.8324% | 4,611 |
| Net loans and leases to deposits | 61.1948% | 4,835 |
| Net loans and leases to core deposits | 62.5423% | 5,050 |
| Total domestic deposits to total assets | 87.9689% | 2,267 |
| Equity capital to assets | 6.7816% | 6,639 |
| Core capital (leverage) ratio | 7.2342% | 6,550 |
| Tier 1 risk-based capital ratio | 12.2826% | 5,633 |
| Total risk-based capital ratio | 12.9141% | 5,968 |
| Memoranda: | ||
| Average total assets | $156,223,670 | 3,667 |
| Average earning assets | $145,328,000 | 3,640 |
| Average equity | $11,303,330 | 4,662 |
| Average total loans | $81,716,330 | 3,934 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3439% | 6,056 |
| Cost of funding earning assets | 0.6551% | 2,610 |
| Net interest margin | 2.6888% | 6,232 |
| Noninterest income to average assets | 1.2555% | 972 |
| Noninterest expense to average assets | 4.5080% | 530 |
| Loan and lease loss provision to assets | 0.0742% | 3,391 |
| Net operating income to assets | -0.4311% | 6,643 |
| Return on assets (ROA) | -0.1202% | 6,507 |
| Pretax return on assets | -0.3324% | 6,609 |
| Return on Equity (ROE) | -1.6107% | 6,540 |
| Retained earnings to average equity (ytd only) | -1.6107% | 6,035 |
| Net charge-offs to loans | 0.0050% | 4,063 |
| Credit loss provision to net charge-offs | 2,900.0000% | 107 |
| Earnings coverage of net charge-offs (x) | -291.0000% | 4,142 |
| Efficiency ratio | 119.7690% | 219 |
| Assets per employee ($millions) | 2.6262% | 6,469 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7112% | 6,578 |
| Loan loss allowance to noncurrent loans | 27.7561% | 6,103 |
| Noncurrent assets plus other real estate owned to assets | 2.4351% | 1,897 |
| Noncurrent loans to loans | 2.5623% | 2,017 |
| Net loans and leases to total assets | 51.2685% | 4,797 |
| Net loans and leases to deposits | 58.3829% | 4,989 |
| Net loans and leases to core deposits | 60.1659% | 5,135 |
| Total domestic deposits to total assets | 87.8142% | 2,449 |
| Equity capital to assets | 7.4266% | 6,615 |
| Core capital (leverage) ratio | 7.4274% | 6,493 |
| Tier 1 risk-based capital ratio | 12.9056% | 5,298 |
| Total risk-based capital ratio | 13.5471% | 5,674 |
| Memoranda: | ||
| Average total assets | $156,433,500 | 3,701 |
| Average earning assets | $145,938,500 | 3,664 |
| Average equity | $11,672,000 | 4,638 |
| Average total loans | $80,347,500 | 4,005 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6065% | 6,219 |
| Cost of funding earning assets | 0.7430% | 3,133 |
| Net interest margin | 2.8635% | 6,292 |
| Noninterest income to average assets | 1.4971% | 704 |
| Noninterest expense to average assets | 4.0722% | 900 |
| Loan and lease loss provision to assets | 0.1341% | 3,949 |
| Net operating income to assets | 0.0722% | 6,056 |
| Return on assets (ROA) | 0.3334% | 5,564 |
| Pretax return on assets | 0.2178% | 5,963 |
| Return on Equity (ROE) | 4.5406% | 4,906 |
| Retained earnings to average equity (ytd only) | 4.5406% | 3,027 |
| Net charge-offs to loans | 0.1601% | 4,105 |
| Credit loss provision to net charge-offs | 159.0909% | 1,690 |
| Earnings coverage of net charge-offs (x) | 1.0758% | 4,924 |
| Efficiency ratio | 97.8214% | 637 |
| Assets per employee ($millions) | 2.7228% | 6,396 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6705% | 6,671 |
| Loan loss allowance to noncurrent loans | 21.8321% | 6,341 |
| Noncurrent assets plus other real estate owned to assets | 2.5240% | 1,932 |
| Noncurrent loans to loans | 3.0711% | 1,692 |
| Net loans and leases to total assets | 50.7510% | 5,069 |
| Net loans and leases to deposits | 58.1562% | 5,225 |
| Net loans and leases to core deposits | 59.4160% | 5,415 |
| Total domestic deposits to total assets | 87.2667% | 2,666 |
| Equity capital to assets | 7.4954% | 6,637 |
| Core capital (leverage) ratio | 7.3991% | 6,538 |
| Tier 1 risk-based capital ratio | 13.8473% | 4,494 |
| Total risk-based capital ratio | 14.4991% | 4,877 |
| Memoranda: | ||
| Average total assets | $156,573,400 | 3,673 |
| Average earning assets | $145,766,600 | 3,628 |
| Average equity | $11,496,200 | 4,671 |
| Average total loans | $82,456,800 | 3,960 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6681% | 6,283 |
| Cost of funding earning assets | 0.7663% | 3,226 |
| Net interest margin | 2.9018% | 6,357 |
| Noninterest income to average assets | 1.5489% | 620 |
| Noninterest expense to average assets | 4.0186% | 914 |
| Loan and lease loss provision to assets | 0.1630% | 3,479 |
| Net operating income to assets | 0.2355% | 5,820 |
| Return on assets (ROA) | 0.4258% | 5,375 |
| Pretax return on assets | 0.2560% | 6,030 |
| Return on Equity (ROE) | 5.8305% | 4,418 |
| Retained earnings to average equity (ytd only) | 5.8305% | 2,808 |
| Net charge-offs to loans | 0.1914% | 3,588 |
| Credit loss provision to net charge-offs | 160.5042% | 1,736 |
| Earnings coverage of net charge-offs (x) | 2.2521% | 4,136 |
| Efficiency ratio | 94.6152% | 739 |
| Assets per employee ($millions) | 2.6431% | 6,557 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6742% | 6,778 |
| Loan loss allowance to noncurrent loans | 21.9442% | 6,445 |
| Noncurrent assets plus other real estate owned to assets | 2.6663% | 1,974 |
| Noncurrent loans to loans | 3.0724% | 1,810 |
| Net loans and leases to total assets | 50.5415% | 5,250 |
| Net loans and leases to deposits | 58.5478% | 5,370 |
| Net loans and leases to core deposits | 59.7279% | 5,586 |
| Total domestic deposits to total assets | 86.3253% | 3,071 |
| Equity capital to assets | 7.6328% | 6,736 |
| Core capital (leverage) ratio | 7.3584% | 6,693 |
| Tier 1 risk-based capital ratio | 14.0740% | 4,475 |
| Total risk-based capital ratio | 14.7304% | 4,849 |
| Memoranda: | ||
| Average total assets | $156,235,750 | 3,717 |
| Average earning assets | $145,284,500 | 3,668 |
| Average equity | $11,411,000 | 4,730 |
| Average total loans | $82,898,750 | 3,992 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7194% | 6,302 |
| Cost of funding earning assets | 0.7753% | 3,399 |
| Net interest margin | 2.9442% | 6,351 |
| Noninterest income to average assets | 1.5224% | 632 |
| Noninterest expense to average assets | 4.0593% | 880 |
| Loan and lease loss provision to assets | 0.1663% | 3,443 |
| Net operating income to assets | 0.3557% | 5,403 |
| Return on assets (ROA) | 0.4516% | 5,269 |
| Pretax return on assets | 0.1279% | 6,267 |
| Return on Equity (ROE) | 6.2772% | 4,172 |
| Retained earnings to average equity (ytd only) | 6.2772% | 2,516 |
| Net charge-offs to loans | 0.2831% | 2,903 |
| Credit loss provision to net charge-offs | 109.2437% | 2,492 |
| Earnings coverage of net charge-offs (x) | 1.3025% | 4,351 |
| Efficiency ratio | 95.3425% | 733 |
| Assets per employee ($millions) | 2.7354% | 6,494 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5481% | 6,982 |
| Loan loss allowance to noncurrent loans | 19.3865% | 6,535 |
| Noncurrent assets plus other real estate owned to assets | 2.6908% | 2,052 |
| Noncurrent loans to loans | 2.8270% | 2,117 |
| Net loans and leases to total assets | 54.2146% | 4,760 |
| Net loans and leases to deposits | 62.5155% | 4,936 |
| Net loans and leases to core deposits | 63.8246% | 5,230 |
| Total domestic deposits to total assets | 86.7218% | 2,949 |
| Equity capital to assets | 7.3293% | 6,840 |
| Core capital (leverage) ratio | 7.4192% | 6,657 |
| Tier 1 risk-based capital ratio | 13.3278% | 4,945 |
| Total risk-based capital ratio | 13.8856% | 5,452 |
| Memoranda: | ||
| Average total assets | $156,332,670 | 3,733 |
| Average earning assets | $145,237,000 | 3,692 |
| Average equity | $11,247,000 | 4,764 |
| Average total loans | $84,081,000 | 3,972 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8098% | 6,224 |
| Cost of funding earning assets | 0.7981% | 3,490 |
| Net interest margin | 3.0117% | 6,271 |
| Noninterest income to average assets | 1.4255% | 716 |
| Noninterest expense to average assets | 4.1966% | 746 |
| Loan and lease loss provision to assets | 0.0232% | 5,053 |
| Net operating income to assets | -0.0174% | 6,445 |
| Return on assets (ROA) | 0.1212% | 6,318 |
| Pretax return on assets | 0.2140% | 6,173 |
| Return on Equity (ROE) | 1.7004% | 6,159 |
| Retained earnings to average equity (ytd only) | 1.7004% | 5,382 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.5110% | 568 |
| Assets per employee ($millions) | 2.1728% | 7,059 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5826% | 7,000 |
| Loan loss allowance to noncurrent loans | 26.3982% | 6,325 |
| Noncurrent assets plus other real estate owned to assets | 3.0290% | 1,916 |
| Noncurrent loans to loans | 2.2069% | 2,909 |
| Net loans and leases to total assets | 52.9587% | 4,890 |
| Net loans and leases to deposits | 60.7552% | 5,068 |
| Net loans and leases to core deposits | 62.1359% | 5,308 |
| Total domestic deposits to total assets | 87.1673% | 2,855 |
| Equity capital to assets | 7.3598% | 6,831 |
| Core capital (leverage) ratio | 7.4280% | 6,680 |
| Tier 1 risk-based capital ratio | 13.5438% | 4,797 |
| Total risk-based capital ratio | 14.1240% | 5,284 |
| Memoranda: | ||
| Average total assets | $155,173,500 | 3,777 |
| Average earning assets | $143,838,000 | 3,747 |
| Average equity | $11,056,500 | 4,815 |
| Average total loans | $82,878,500 | 4,046 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1402% | 6,203 |
| Cost of funding earning assets | 0.9300% | 3,876 |
| Net interest margin | 3.2102% | 6,061 |
| Noninterest income to average assets | 1.4541% | 613 |
| Noninterest expense to average assets | 4.2560% | 752 |
| Loan and lease loss provision to assets | 0.2915% | 3,333 |
| Net operating income to assets | -0.1038% | 6,167 |
| Return on assets (ROA) | 0.1369% | 5,904 |
| Pretax return on assets | 0.1750% | 5,843 |
| Return on Equity (ROE) | 1.8916% | 5,699 |
| Retained earnings to average equity (ytd only) | 1.8916% | 4,854 |
| Net charge-offs to loans | 0.4212% | 3,319 |
| Credit loss provision to net charge-offs | 117.9063% | 2,726 |
| Earnings coverage of net charge-offs (x) | 0.6391% | 5,345 |
| Efficiency ratio | 96.4203% | 800 |
| Assets per employee ($millions) | 2.1979% | 7,082 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5464% | 7,069 |
| Loan loss allowance to noncurrent loans | 20.9408% | 6,584 |
| Noncurrent assets plus other real estate owned to assets | 2.9188% | 2,067 |
| Noncurrent loans to loans | 2.6092% | 2,507 |
| Net loans and leases to total assets | 53.2534% | 5,135 |
| Net loans and leases to deposits | 62.3790% | 5,189 |
| Net loans and leases to core deposits | 63.3777% | 5,528 |
| Total domestic deposits to total assets | 85.3707% | 3,657 |
| Equity capital to assets | 6.8998% | 6,987 |
| Core capital (leverage) ratio | 7.2347% | 6,772 |
| Tier 1 risk-based capital ratio | 12.1648% | 5,713 |
| Total risk-based capital ratio | 12.6781% | 6,195 |
| Memoranda: | ||
| Average total assets | $146,827,200 | 3,860 |
| Average earning assets | $135,380,800 | 3,834 |
| Average equity | $10,626,000 | 4,880 |
| Average total loans | $86,188,200 | 3,963 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1710% | 6,274 |
| Cost of funding earning assets | 0.9590% | 3,971 |
| Net interest margin | 3.2120% | 6,131 |
| Noninterest income to average assets | 1.4493% | 626 |
| Noninterest expense to average assets | 4.3443% | 679 |
| Loan and lease loss provision to assets | 0.3519% | 2,759 |
| Net operating income to assets | -0.1790% | 6,363 |
| Return on assets (ROA) | -0.0213% | 6,287 |
| Pretax return on assets | -0.0445% | 6,274 |
| Return on Equity (ROE) | -0.2906% | 6,300 |
| Retained earnings to average equity (ytd only) | -0.2906% | 6,030 |
| Net charge-offs to loans | 0.4575% | 2,900 |
| Credit loss provision to net charge-offs | 127.9461% | 2,497 |
| Earnings coverage of net charge-offs (x) | 0.2222% | 5,431 |
| Efficiency ratio | 98.6126% | 712 |
| Assets per employee ($millions) | 2.3370% | 7,046 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5748% | 7,114 |
| Loan loss allowance to noncurrent loans | 15.7860% | 6,794 |
| Noncurrent assets plus other real estate owned to assets | 3.3040% | 1,923 |
| Noncurrent loans to loans | 3.6413% | 1,887 |
| Net loans and leases to total assets | 54.7684% | 5,037 |
| Net loans and leases to deposits | 62.9184% | 5,300 |
| Net loans and leases to core deposits | 64.0687% | 5,602 |
| Total domestic deposits to total assets | 87.0467% | 2,625 |
| Equity capital to assets | 7.0471% | 7,046 |
| Core capital (leverage) ratio | 7.5961% | 6,697 |
| Tier 1 risk-based capital ratio | 11.5963% | 6,173 |
| Total risk-based capital ratio | 12.1152% | 6,600 |
| Memoranda: | ||
| Average total assets | $143,971,250 | 3,925 |
| Average earning assets | $132,500,250 | 3,902 |
| Average equity | $10,552,750 | 4,911 |
| Average total loans | $86,551,000 | 3,988 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2302% | 6,220 |
| Cost of funding earning assets | 0.9438% | 4,367 |
| Net interest margin | 3.2864% | 5,899 |
| Noninterest income to average assets | 1.4930% | 580 |
| Noninterest expense to average assets | 4.5979% | 535 |
| Loan and lease loss provision to assets | 0.5363% | 1,818 |
| Net operating income to assets | -0.5024% | 6,691 |
| Return on assets (ROA) | -0.5024% | 6,713 |
| Pretax return on assets | -0.6255% | 6,722 |
| Return on Equity (ROE) | -6.7606% | 6,814 |
| Retained earnings to average equity (ytd only) | -6.7606% | 6,707 |
| Net charge-offs to loans | 0.3405% | 3,202 |
| Credit loss provision to net charge-offs | 254.3624% | 1,192 |
| Earnings coverage of net charge-offs (x) | -0.4228% | 5,502 |
| Efficiency ratio | 101.9774% | 664 |
| Assets per employee ($millions) | 2.0452% | 7,274 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7474% | 6,955 |
| Loan loss allowance to noncurrent loans | 22.2655% | 6,640 |
| Noncurrent assets plus other real estate owned to assets | 3.1618% | 2,123 |
| Noncurrent loans to loans | 3.3569% | 2,121 |
| Net loans and leases to total assets | 56.7219% | 4,866 |
| Net loans and leases to deposits | 65.4934% | 5,073 |
| Net loans and leases to core deposits | 66.7303% | 5,418 |
| Total domestic deposits to total assets | 86.6071% | 2,983 |
| Equity capital to assets | 7.1609% | 7,066 |
| Core capital (leverage) ratio | 7.4243% | 6,793 |
| Tier 1 risk-based capital ratio | 12.3269% | 5,497 |
| Total risk-based capital ratio | 13.0715% | 5,906 |
| Memoranda: | ||
| Average total assets | $141,326,000 | 4,007 |
| Average earning assets | $129,686,330 | 3,994 |
| Average equity | $10,502,000 | 4,922 |
| Average total loans | $87,508,670 | 3,998 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3222% | 5,943 |
| Cost of funding earning assets | 0.9461% | 4,606 |
| Net interest margin | 3.3761% | 5,521 |
| Noninterest income to average assets | 1.1391% | 1,007 |
| Noninterest expense to average assets | 4.6343% | 517 |
| Loan and lease loss provision to assets | 0.6447% | 1,337 |
| Net operating income to assets | -1.0176% | 7,052 |
| Return on assets (ROA) | -1.0176% | 7,055 |
| Pretax return on assets | -1.0552% | 7,015 |
| Return on Equity (ROE) | -13.4345% | 7,113 |
| Retained earnings to average equity (ytd only) | -13.4345% | 6,992 |
| Net charge-offs to loans | 0.0314% | 4,660 |
| Credit loss provision to net charge-offs | 3,185.7143% | 115 |
| Earnings coverage of net charge-offs (x) | -20.2857% | 5,077 |
| Efficiency ratio | 109.7194% | 514 |
| Assets per employee ($millions) | 1.8092% | 7,417 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7050% | 7,073 |
| Loan loss allowance to noncurrent loans | 19.7237% | 6,781 |
| Noncurrent assets plus other real estate owned to assets | 3.5726% | 1,903 |
| Noncurrent loans to loans | 3.5742% | 2,082 |
| Net loans and leases to total assets | 62.0779% | 3,841 |
| Net loans and leases to deposits | 72.0461% | 4,072 |
| Net loans and leases to core deposits | 73.4866% | 4,591 |
| Total domestic deposits to total assets | 86.1641% | 3,424 |
| Equity capital to assets | 7.4007% | 6,923 |
| Core capital (leverage) ratio | 7.6564% | 6,595 |
| Tier 1 risk-based capital ratio | 12.0113% | 5,683 |
| Total risk-based capital ratio | 12.7192% | 6,112 |
| Memoranda: | ||
| Average total assets | $138,360,500 | 4,089 |
| Average earning assets | $126,418,500 | 4,100 |
| Average equity | $10,480,500 | 4,923 |
| Average total loans | $89,185,000 | 3,992 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7623% | 5,574 |
| Cost of funding earning assets | 1.1362% | 4,929 |
| Net interest margin | 3.6261% | 4,694 |
| Noninterest income to average assets | 1.4132% | 731 |
| Noninterest expense to average assets | 4.5403% | 627 |
| Loan and lease loss provision to assets | 0.1680% | 5,539 |
| Net operating income to assets | 0.0231% | 5,767 |
| Return on assets (ROA) | 0.2153% | 5,386 |
| Pretax return on assets | 0.2174% | 5,447 |
| Return on Equity (ROE) | 2.8429% | 5,019 |
| Retained earnings to average equity (ytd only) | 2.8429% | 3,860 |
| Net charge-offs to loans | 0.4120% | 3,979 |
| Credit loss provision to net charge-offs | 59.9496% | 6,083 |
| Earnings coverage of net charge-offs (x) | 0.6826% | 5,430 |
| Efficiency ratio | 95.9570% | 969 |
| Assets per employee ($millions) | 1.8569% | 7,472 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4360% | 7,402 |
| Loan loss allowance to noncurrent loans | 22.1357% | 6,725 |
| Noncurrent assets plus other real estate owned to assets | 3.8717% | 1,768 |
| Noncurrent loans to loans | 1.9699% | 3,605 |
| Net loans and leases to total assets | 66.1354% | 3,442 |
| Net loans and leases to deposits | 76.4563% | 3,773 |
| Net loans and leases to core deposits | 77.9938% | 4,461 |
| Total domestic deposits to total assets | 86.5009% | 3,080 |
| Equity capital to assets | 7.7513% | 6,707 |
| Core capital (leverage) ratio | 7.9382% | 6,276 |
| Tier 1 risk-based capital ratio | 11.9643% | 5,507 |
| Total risk-based capital ratio | 12.4064% | 6,185 |
| Memoranda: | ||
| Average total assets | $141,664,200 | 4,026 |
| Average earning assets | $129,643,200 | 4,021 |
| Average equity | $10,728,400 | 4,925 |
| Average total loans | $96,364,400 | 3,888 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8091% | 5,618 |
| Cost of funding earning assets | 1.1796% | 4,985 |
| Net interest margin | 3.6295% | 4,728 |
| Noninterest income to average assets | 1.3302% | 768 |
| Noninterest expense to average assets | 4.2345% | 790 |
| Loan and lease loss provision to assets | 0.2055% | 5,001 |
| Net operating income to assets | 0.2849% | 5,226 |
| Return on assets (ROA) | 0.3952% | 4,951 |
| Pretax return on assets | 0.3288% | 5,428 |
| Return on Equity (ROE) | 5.2475% | 4,171 |
| Retained earnings to average equity (ytd only) | 5.2475% | 2,815 |
| Net charge-offs to loans | 0.5039% | 3,268 |
| Credit loss provision to net charge-offs | 59.6206% | 5,697 |
| Earnings coverage of net charge-offs (x) | 1.2304% | 4,830 |
| Efficiency ratio | 90.8963% | 1,216 |
| Assets per employee ($millions) | 1.9836% | 7,525 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4273% | 7,508 |
| Loan loss allowance to noncurrent loans | 22.4242% | 6,791 |
| Noncurrent assets plus other real estate owned to assets | 4.0273% | 1,734 |
| Noncurrent loans to loans | 1.9055% | 3,794 |
| Net loans and leases to total assets | 69.2972% | 2,900 |
| Net loans and leases to deposits | 82.1546% | 3,077 |
| Net loans and leases to core deposits | 84.3239% | 3,892 |
| Total domestic deposits to total assets | 84.3498% | 3,938 |
| Equity capital to assets | 8.1291% | 6,691 |
| Core capital (leverage) ratio | 7.9373% | 6,427 |
| Tier 1 risk-based capital ratio | 12.0512% | 5,416 |
| Total risk-based capital ratio | 12.5039% | 6,133 |
| Memoranda: | ||
| Average total assets | $142,728,000 | 4,064 |
| Average earning assets | $130,886,750 | 4,047 |
| Average equity | $10,747,750 | 4,989 |
| Average total loans | $97,637,000 | 3,927 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8047% | 5,788 |
| Cost of funding earning assets | 1.1937% | 5,165 |
| Net interest margin | 3.6110% | 4,768 |
| Noninterest income to average assets | 1.0188% | 1,325 |
| Noninterest expense to average assets | 4.1705% | 843 |
| Loan and lease loss provision to assets | 0.2322% | 4,593 |
| Net operating income to assets | 0.0387% | 6,013 |
| Return on assets (ROA) | 0.2018% | 5,685 |
| Pretax return on assets | 0.1037% | 5,972 |
| Return on Equity (ROE) | 2.7491% | 5,343 |
| Retained earnings to average equity (ytd only) | 2.7491% | 4,381 |
| Net charge-offs to loans | 0.6807% | 2,517 |
| Credit loss provision to net charge-offs | 50.1493% | 5,411 |
| Earnings coverage of net charge-offs (x) | 0.3731% | 5,364 |
| Efficiency ratio | 96.0216% | 964 |
| Assets per employee ($millions) | 2.1375% | 7,485 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3750% | 7,614 |
| Loan loss allowance to noncurrent loans | 14.4717% | 7,160 |
| Noncurrent assets plus other real estate owned to assets | 3.5088% | 1,997 |
| Noncurrent loans to loans | 2.5911% | 3,046 |
| Net loans and leases to total assets | 72.1650% | 2,355 |
| Net loans and leases to deposits | 87.7542% | 2,215 |
| Net loans and leases to core deposits | 89.2209% | 3,382 |
| Total domestic deposits to total assets | 82.2354% | 4,890 |
| Equity capital to assets | 7.5273% | 7,095 |
| Core capital (leverage) ratio | 7.5290% | 6,804 |
| Tier 1 risk-based capital ratio | 11.4525% | 5,820 |
| Total risk-based capital ratio | 11.8735% | 6,589 |
| Memoranda: | ||
| Average total assets | $144,681,670 | 4,054 |
| Average earning assets | $133,204,000 | 4,037 |
| Average equity | $10,621,670 | 5,024 |
| Average total loans | $98,432,000 | 3,947 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7522% | 6,063 |
| Cost of funding earning assets | 1.2142% | 5,321 |
| Net interest margin | 3.5380% | 5,003 |
| Noninterest income to average assets | 0.9600% | 1,417 |
| Noninterest expense to average assets | 3.9885% | 1,052 |
| Loan and lease loss provision to assets | 0.2393% | 4,130 |
| Net operating income to assets | -0.0055% | 6,301 |
| Return on assets (ROA) | 0.1705% | 5,909 |
| Pretax return on assets | 0.1705% | 5,967 |
| Return on Equity (ROE) | 2.3524% | 5,612 |
| Retained earnings to average equity (ytd only) | 2.3524% | 4,731 |
| Net charge-offs to loans | 1.0775% | 1,551 |
| Credit loss provision to net charge-offs | 33.7209% | 4,757 |
| Earnings coverage of net charge-offs (x) | 0.3295% | 4,748 |
| Efficiency ratio | 94.4625% | 1,112 |
| Assets per employee ($millions) | 2.4471% | 7,280 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4048% | 7,686 |
| Loan loss allowance to noncurrent loans | 10.6955% | 7,318 |
| Noncurrent assets plus other real estate owned to assets | 3.8440% | 1,801 |
| Noncurrent loans to loans | 3.7847% | 2,094 |
| Net loans and leases to total assets | 64.6818% | 4,172 |
| Net loans and leases to deposits | 77.9908% | 4,046 |
| Net loans and leases to core deposits | 78.8357% | 4,914 |
| Total domestic deposits to total assets | 82.9351% | 4,659 |
| Equity capital to assets | 7.2330% | 7,265 |
| Core capital (leverage) ratio | 7.5836% | 6,754 |
| Tier 1 risk-based capital ratio | 11.8256% | 5,370 |
| Total risk-based capital ratio | 12.2665% | 6,112 |
| Memoranda: | ||
| Average total assets | $145,416,500 | 4,105 |
| Average earning assets | $134,085,500 | 4,073 |
| Average equity | $10,542,500 | 5,088 |
| Average total loans | $95,779,000 | 4,080 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9963% | 6,445 |
| Cost of funding earning assets | 1.6611% | 4,723 |
| Net interest margin | 3.3352% | 5,604 |
| Noninterest income to average assets | 0.9171% | 1,880 |
| Noninterest expense to average assets | 3.9585% | 1,421 |
| Loan and lease loss provision to assets | 0.1793% | 5,910 |
| Net operating income to assets | -0.3874% | 6,063 |
| Return on assets (ROA) | -0.2527% | 5,901 |
| Pretax return on assets | 0.1038% | 5,210 |
| Return on Equity (ROE) | -3.4003% | 6,041 |
| Retained earnings to average equity (ytd only) | -3.4003% | 5,768 |
| Net charge-offs to loans | 0.4204% | 4,118 |
| Credit loss provision to net charge-offs | 60.6205% | 6,632 |
| Earnings coverage of net charge-offs (x) | 0.2458% | 5,876 |
| Efficiency ratio | 98.1961% | 1,200 |
| Assets per employee ($millions) | 2.5715% | 7,086 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5790% | 7,587 |
| Loan loss allowance to noncurrent loans | 12.7548% | 7,316 |
| Noncurrent assets plus other real estate owned to assets | 4.0429% | 1,632 |
| Noncurrent loans to loans | 4.5395% | 1,564 |
| Net loans and leases to total assets | 66.4171% | 4,052 |
| Net loans and leases to deposits | 77.9057% | 4,395 |
| Net loans and leases to core deposits | 85.0986% | 5,607 |
| Total domestic deposits to total assets | 85.2533% | 3,429 |
| Equity capital to assets | 7.2671% | 7,223 |
| Core capital (leverage) ratio | 7.6439% | 6,625 |
| Tier 1 risk-based capital ratio | 11.5809% | 5,315 |
| Total risk-based capital ratio | 12.1974% | 5,941 |
| Memoranda: | ||
| Average total assets | $141,643,200 | 4,085 |
| Average earning assets | $132,257,800 | 4,043 |
| Average equity | $10,528,400 | 5,153 |
| Average total loans | $99,661,200 | 3,962 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0636% | 6,405 |
| Cost of funding earning assets | 1.7666% | 4,543 |
| Net interest margin | 3.2970% | 5,655 |
| Noninterest income to average assets | 0.8025% | 2,418 |
| Noninterest expense to average assets | 4.0381% | 1,229 |
| Loan and lease loss provision to assets | 0.0766% | 6,599 |
| Net operating income to assets | -0.7023% | 6,605 |
| Return on assets (ROA) | -0.6087% | 6,534 |
| Pretax return on assets | -0.1314% | 5,886 |
| Return on Equity (ROE) | -8.1433% | 6,746 |
| Retained earnings to average equity (ytd only) | -8.1433% | 6,620 |
| Net charge-offs to loans | 0.1499% | 5,210 |
| Credit loss provision to net charge-offs | 71.6814% | 5,949 |
| Earnings coverage of net charge-offs (x) | -1.3894% | 6,689 |
| Efficiency ratio | 103.8153% | 926 |
| Assets per employee ($millions) | 2.4095% | 7,368 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7109% | 7,342 |
| Loan loss allowance to noncurrent loans | 16.3164% | 7,269 |
| Noncurrent assets plus other real estate owned to assets | 4.3792% | 1,408 |
| Noncurrent loans to loans | 4.3567% | 1,630 |
| Net loans and leases to total assets | 71.5276% | 3,148 |
| Net loans and leases to deposits | 84.4866% | 3,570 |
| Net loans and leases to core deposits | 91.4643% | 5,287 |
| Total domestic deposits to total assets | 84.6614% | 3,400 |
| Equity capital to assets | 7.7668% | 7,069 |
| Core capital (leverage) ratio | 7.4868% | 6,995 |
| Tier 1 risk-based capital ratio | 10.9731% | 5,978 |
| Total risk-based capital ratio | 11.7177% | 6,458 |
| Memoranda: | ||
| Average total assets | $141,052,750 | 4,116 |
| Average earning assets | $132,076,000 | 4,065 |
| Average equity | $10,544,250 | 5,180 |
| Average total loans | $100,526,250 | 3,964 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0303% | 6,672 |
| Cost of funding earning assets | 1.8601% | 4,467 |
| Net interest margin | 3.1701% | 6,015 |
| Noninterest income to average assets | 0.7226% | 2,850 |
| Noninterest expense to average assets | 4.0827% | 1,211 |
| Loan and lease loss provision to assets | 0.1132% | 6,014 |
| Net operating income to assets | -1.1992% | 7,107 |
| Return on assets (ROA) | -1.1825% | 7,111 |
| Pretax return on assets | -0.4766% | 6,402 |
| Return on Equity (ROE) | -16.0141% | 7,381 |
| Retained earnings to average equity (ytd only) | -16.0141% | 7,296 |
| Net charge-offs to loans | 0.1141% | 5,016 |
| Credit loss provision to net charge-offs | 139.6552% | 3,343 |
| Earnings coverage of net charge-offs (x) | -4.6897% | 6,452 |
| Efficiency ratio | 110.2680% | 844 |
| Assets per employee ($millions) | 2.4713% | 7,305 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7400% | 7,331 |
| Loan loss allowance to noncurrent loans | 12.5695% | 7,437 |
| Noncurrent assets plus other real estate owned to assets | 4.1406% | 1,403 |
| Noncurrent loans to loans | 5.8875% | 941 |
| Net loans and leases to total assets | 69.8085% | 3,749 |
| Net loans and leases to deposits | 83.3084% | 3,994 |
| Net loans and leases to core deposits | 91.4374% | 5,403 |
| Total domestic deposits to total assets | 83.7953% | 3,875 |
| Equity capital to assets | 7.0276% | 7,604 |
| Core capital (leverage) ratio | 7.0991% | 7,453 |
| Tier 1 risk-based capital ratio | 10.4071% | 6,472 |
| Total risk-based capital ratio | 11.1849% | 6,927 |
| Memoranda: | ||
| Average total assets | $143,092,330 | 4,111 |
| Average earning assets | $134,505,670 | 4,059 |
| Average equity | $10,565,670 | 5,196 |
| Average total loans | $101,633,000 | 3,973 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9864% | 6,960 |
| Cost of funding earning assets | 1.9343% | 4,468 |
| Net interest margin | 3.0520% | 6,333 |
| Noninterest income to average assets | 0.5484% | 3,933 |
| Noninterest expense to average assets | 3.9840% | 1,205 |
| Loan and lease loss provision to assets | 0.2266% | 4,181 |
| Net operating income to assets | -0.5032% | 6,880 |
| Return on assets (ROA) | -0.5819% | 7,000 |
| Pretax return on assets | -0.9205% | 7,107 |
| Return on Equity (ROE) | -7.6952% | 7,216 |
| Retained earnings to average equity (ytd only) | -7.6952% | 6,882 |
| Net charge-offs to loans | 0.0039% | 5,663 |
| Credit loss provision to net charge-offs | 8,100.0000% | 82 |
| Earnings coverage of net charge-offs (x) | -204.0000% | 5,721 |
| Efficiency ratio | 116.7213% | 681 |
| Assets per employee ($millions) | 2.7253% | 6,828 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7917% | 7,188 |
| Loan loss allowance to noncurrent loans | 16.1830% | 7,348 |
| Noncurrent assets plus other real estate owned to assets | 3.3717% | 1,619 |
| Noncurrent loans to loans | 4.8919% | 1,117 |
| Net loans and leases to total assets | 68.3776% | 4,052 |
| Net loans and leases to deposits | 83.5180% | 4,056 |
| Net loans and leases to core deposits | 94.6349% | 5,098 |
| Total domestic deposits to total assets | 81.8717% | 4,603 |
| Equity capital to assets | 7.3005% | 7,493 |
| Core capital (leverage) ratio | 7.2982% | 7,384 |
| Tier 1 risk-based capital ratio | 10.2932% | 6,597 |
| Total risk-based capital ratio | 11.1132% | 6,971 |
| Memoranda: | ||
| Average total assets | $142,971,000 | 4,128 |
| Average earning assets | $134,206,000 | 4,068 |
| Average equity | $10,812,000 | 5,159 |
| Average total loans | $102,046,500 | 3,978 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5057% | 7,285 |
| Cost of funding earning assets | 2.2399% | 5,422 |
| Net interest margin | 3.2658% | 6,156 |
| Noninterest income to average assets | 0.5434% | 4,281 |
| Noninterest expense to average assets | 3.8573% | 1,647 |
| Loan and lease loss provision to assets | 0.1336% | 5,653 |
| Net operating income to assets | -0.2307% | 6,656 |
| Return on assets (ROA) | -0.3008% | 6,597 |
| Pretax return on assets | -0.4879% | 6,643 |
| Return on Equity (ROE) | -3.9597% | 6,739 |
| Retained earnings to average equity (ytd only) | -3.9597% | 6,318 |
| Net charge-offs to loans | 0.0068% | 6,862 |
| Credit loss provision to net charge-offs | 2,785.7143% | 174 |
| Earnings coverage of net charge-offs (x) | -51.0000% | 6,985 |
| Efficiency ratio | 106.7716% | 792 |
| Assets per employee ($millions) | 2.7211% | 6,736 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7043% | 7,412 |
| Loan loss allowance to noncurrent loans | 20.9020% | 7,195 |
| Noncurrent assets plus other real estate owned to assets | 2.4925% | 1,950 |
| Noncurrent loans to loans | 3.3694% | 1,530 |
| Net loans and leases to total assets | 73.4554% | 3,247 |
| Net loans and leases to deposits | 86.9851% | 3,949 |
| Net loans and leases to core deposits | 99.2532% | 4,901 |
| Total domestic deposits to total assets | 84.4459% | 3,106 |
| Equity capital to assets | 7.8401% | 7,054 |
| Core capital (leverage) ratio | 7.4874% | 7,219 |
| Tier 1 risk-based capital ratio | 11.0369% | 5,691 |
| Total risk-based capital ratio | 11.8073% | 6,050 |
| Memoranda: | ||
| Average total assets | $145,931,800 | 3,976 |
| Average earning assets | $137,148,400 | 3,910 |
| Average equity | $11,086,600 | 5,100 |
| Average total loans | $102,646,600 | 3,880 |