Home > McHenry Savings Bank > Performance and Condition Ratios
McHenry Savings Bank, Performance and Condition Ratios
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3377% | 2,285 |
| Cost of funding earning assets | 2.5768% | 954 |
| Net interest margin | 2.7610% | 3,484 |
| Noninterest income to average assets | 0.5300% | 1,732 |
| Noninterest expense to average assets | 2.2237% | 3,013 |
| Loan and lease loss provision to assets | -0.0400% | 4,291 |
| Net operating income to assets | 0.7471% | 2,796 |
| Return on assets (ROA) | 0.7446% | 2,817 |
| Pretax return on assets | 0.9492% | 2,625 |
| Return on Equity (ROE) | 8.5700% | 2,569 |
| Retained earnings to average equity (ytd only) | 8.5742% | 1,206 |
| Net charge-offs to loans | 0.0138% | 1,920 |
| Credit loss provision to net charge-offs | -250.0000% | 4,465 |
| Earnings coverage of net charge-offs (x) | 90.3125% | 823 |
| Efficiency ratio | 70.9021% | 1,993 |
| Assets per employee ($millions) | 7.0462% | 2,049 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9527% | 3,503 |
| Loan loss allowance to noncurrent loans | 1,091.7073% | 723 |
| Noncurrent assets plus other real estate owned to assets | 0.1132% | 2,896 |
| Noncurrent loans to loans | 0.0873% | 3,221 |
| Net loans and leases to total assets | 71.7900% | 1,675 |
| Net loans and leases to deposits | 97.0904% | 710 |
| Net loans and leases to core deposits | 104.4561% | 1,230 |
| Total domestic deposits to total assets | 73.9400% | 4,070 |
| Equity capital to assets | 8.7123% | 2,946 |
| Core capital (leverage) ratio | 9.3291% | 3,412 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4882% | 2,428 |
| Memoranda: | ||
| Average total assets | $316,676,333 | 2,354 |
| Average earning assets | $298,515,333 | 2,334 |
| Average equity | $27,501,000 | 2,457 |
| Average total loans | $231,592,333 | 2,162 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3285% | 2,142 |
| Cost of funding earning assets | 2.5071% | 976 |
| Net interest margin | 2.8214% | 3,342 |
| Noninterest income to average assets | 0.6100% | 1,335 |
| Noninterest expense to average assets | 2.2189% | 3,014 |
| Loan and lease loss provision to assets | -0.0700% | 4,384 |
| Net operating income to assets | 0.8712% | 2,313 |
| Return on assets (ROA) | 0.8743% | 2,323 |
| Pretax return on assets | 1.1286% | 2,064 |
| Return on Equity (ROE) | 10.0800% | 2,104 |
| Retained earnings to average equity (ytd only) | 10.0840% | 1,084 |
| Net charge-offs to loans | 0.0017% | 2,144 |
| Credit loss provision to net charge-offs | -4,000.0000% | 4,573 |
| Earnings coverage of net charge-offs (x) | 825.0000% | 122 |
| Efficiency ratio | 67.7860% | 2,399 |
| Assets per employee ($millions) | 6.6828% | 2,301 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9830% | 3,373 |
| Loan loss allowance to noncurrent loans | 1,138.3838% | 748 |
| Noncurrent assets plus other real estate owned to assets | 0.1146% | 2,875 |
| Noncurrent loans to loans | 0.0864% | 3,181 |
| Net loans and leases to total assets | 72.2800% | 1,531 |
| Net loans and leases to deposits | 93.7232% | 887 |
| Net loans and leases to core deposits | 101.9168% | 1,304 |
| Total domestic deposits to total assets | 77.1200% | 3,895 |
| Equity capital to assets | 8.8149% | 2,801 |
| Core capital (leverage) ratio | 9.2712% | 3,423 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6006% | 2,388 |
| Memoranda: | ||
| Average total assets | $312,951,000 | 2,389 |
| Average earning assets | $295,319,000 | 2,361 |
| Average equity | $27,132,000 | 2,484 |
| Average total loans | $229,930,000 | 2,169 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0303% | 2,017 |
| Cost of funding earning assets | 2.2324% | 603 |
| Net interest margin | 2.7979% | 3,671 |
| Noninterest income to average assets | 0.4300% | 2,344 |
| Noninterest expense to average assets | 2.2899% | 2,877 |
| Loan and lease loss provision to assets | 0.0100% | 2,964 |
| Net operating income to assets | 0.6180% | 3,395 |
| Return on assets (ROA) | 0.6232% | 3,363 |
| Pretax return on assets | 0.7796% | 3,256 |
| Return on Equity (ROE) | 7.8700% | 3,061 |
| Retained earnings to average equity (ytd only) | 7.8672% | 1,583 |
| Net charge-offs to loans | 0.0128% | 2,172 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 86.5862% | 973 |
| Efficiency ratio | 74.5412% | 1,403 |
| Assets per employee ($millions) | 6.3634% | 2,506 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9954% | 3,341 |
| Loan loss allowance to noncurrent loans | 1,108.6957% | 842 |
| Noncurrent assets plus other real estate owned to assets | 0.1183% | 2,745 |
| Noncurrent loans to loans | 0.0898% | 3,093 |
| Net loans and leases to total assets | 73.2100% | 1,448 |
| Net loans and leases to deposits | 91.1019% | 1,173 |
| Net loans and leases to core deposits | 105.2939% | 1,146 |
| Total domestic deposits to total assets | 80.3600% | 3,404 |
| Equity capital to assets | 8.5235% | 3,035 |
| Core capital (leverage) ratio | 8.7920% | 3,911 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4947% | 2,415 |
| Memoranda: | ||
| Average total assets | $321,067,400 | 2,313 |
| Average earning assets | $303,621,200 | 2,281 |
| Average equity | $25,434,600 | 2,492 |
| Average total loans | $226,010,800 | 2,127 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8690% | 2,128 |
| Cost of funding earning assets | 2.1040% | 588 |
| Net interest margin | 2.7650% | 3,786 |
| Noninterest income to average assets | 0.3500% | 2,790 |
| Noninterest expense to average assets | 2.2367% | 2,973 |
| Loan and lease loss provision to assets | 0.0500% | 1,947 |
| Net operating income to assets | 0.5453% | 3,672 |
| Return on assets (ROA) | 0.5463% | 3,657 |
| Pretax return on assets | 0.6741% | 3,598 |
| Return on Equity (ROE) | 7.0200% | 3,425 |
| Retained earnings to average equity (ytd only) | 7.0246% | 2,275 |
| Net charge-offs to loans | 0.0089% | 2,081 |
| Credit loss provision to net charge-offs | 566.6667% | 579 |
| Earnings coverage of net charge-offs (x) | 117.0000% | 853 |
| Efficiency ratio | 75.5571% | 1,214 |
| Assets per employee ($millions) | 6.7469% | 2,141 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0357% | 3,181 |
| Loan loss allowance to noncurrent loans | 1,045.4148% | 849 |
| Noncurrent assets plus other real estate owned to assets | 0.1183% | 2,778 |
| Noncurrent loans to loans | 0.0991% | 3,083 |
| Net loans and leases to total assets | 69.1900% | 1,919 |
| Net loans and leases to deposits | 84.3367% | 1,712 |
| Net loans and leases to core deposits | 100.2867% | 1,301 |
| Total domestic deposits to total assets | 82.0400% | 3,202 |
| Equity capital to assets | 7.7553% | 3,207 |
| Core capital (leverage) ratio | 8.5635% | 4,116 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1830% | 2,556 |
| Memoranda: | ||
| Average total assets | $323,382,000 | 2,297 |
| Average earning assets | $305,820,000 | 2,269 |
| Average equity | $25,149,000 | 2,495 |
| Average total loans | $224,871,250 | 2,131 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7694% | 2,063 |
| Cost of funding earning assets | 1.9780% | 516 |
| Net interest margin | 2.7914% | 3,833 |
| Noninterest income to average assets | 0.3900% | 2,505 |
| Noninterest expense to average assets | 2.2051% | 3,055 |
| Loan and lease loss provision to assets | 0.0800% | 1,369 |
| Net operating income to assets | 0.6037% | 3,560 |
| Return on assets (ROA) | 0.6032% | 3,572 |
| Pretax return on assets | 0.7508% | 3,499 |
| Return on Equity (ROE) | 7.7500% | 3,301 |
| Retained earnings to average equity (ytd only) | 7.7484% | 2,054 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 72.6993% | 1,490 |
| Assets per employee ($millions) | 7.0086% | 1,921 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0683% | 3,099 |
| Loan loss allowance to noncurrent loans | 600.7481% | 1,355 |
| Noncurrent assets plus other real estate owned to assets | 0.2559% | 1,919 |
| Noncurrent loans to loans | 0.1778% | 2,590 |
| Net loans and leases to total assets | 69.2000% | 1,828 |
| Net loans and leases to deposits | 85.4115% | 1,551 |
| Net loans and leases to core deposits | 99.9610% | 1,244 |
| Total domestic deposits to total assets | 81.0200% | 3,430 |
| Equity capital to assets | 7.8366% | 3,325 |
| Core capital (leverage) ratio | 8.5480% | 4,107 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2658% | 2,544 |
| Memoranda: | ||
| Average total assets | $320,976,667 | 2,323 |
| Average earning assets | $303,432,000 | 2,291 |
| Average equity | $24,985,667 | 2,522 |
| Average total loans | $222,782,667 | 2,139 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7324% | 1,777 |
| Cost of funding earning assets | 1.8422% | 420 |
| Net interest margin | 2.8902% | 3,805 |
| Noninterest income to average assets | 0.2500% | 3,431 |
| Noninterest expense to average assets | 2.1120% | 3,355 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.6882% | 3,499 |
| Return on assets (ROA) | 0.6932% | 3,440 |
| Pretax return on assets | 0.8755% | 3,299 |
| Return on Equity (ROE) | 8.9400% | 3,068 |
| Retained earnings to average equity (ytd only) | 8.9350% | 1,968 |
| Net charge-offs to loans | -0.0018% | 3,405 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 70.8421% | 1,663 |
| Assets per employee ($millions) | 6.3765% | 2,429 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0865% | 3,124 |
| Loan loss allowance to noncurrent loans | 1,086.4486% | 932 |
| Noncurrent assets plus other real estate owned to assets | 0.2042% | 2,118 |
| Noncurrent loans to loans | 0.1000% | 3,041 |
| Net loans and leases to total assets | 67.7400% | 1,864 |
| Net loans and leases to deposits | 80.8903% | 1,756 |
| Net loans and leases to core deposits | 94.9495% | 1,331 |
| Total domestic deposits to total assets | 83.7500% | 3,140 |
| Equity capital to assets | 7.9312% | 3,289 |
| Core capital (leverage) ratio | 8.3303% | 4,260 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2452% | 2,651 |
| Memoranda: | ||
| Average total assets | $320,266,500 | 2,358 |
| Average earning assets | $302,681,500 | 2,330 |
| Average equity | $24,846,000 | 2,554 |
| Average total loans | $221,420,000 | 2,162 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8467% | 2,147 |
| Cost of funding earning assets | 0.8813% | 270 |
| Net interest margin | 2.9654% | 3,529 |
| Noninterest income to average assets | 0.3400% | 3,074 |
| Noninterest expense to average assets | 2.3896% | 2,457 |
| Loan and lease loss provision to assets | 0.1100% | 1,145 |
| Net operating income to assets | 0.6154% | 3,844 |
| Return on assets (ROA) | 0.6068% | 3,818 |
| Pretax return on assets | 0.6423% | 3,955 |
| Return on Equity (ROE) | 7.6200% | 3,483 |
| Retained earnings to average equity (ytd only) | 6.3355% | 2,517 |
| Net charge-offs to loans | -0.0180% | 4,029 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 75.9405% | 1,014 |
| Assets per employee ($millions) | 6.8351% | 2,094 |
| Cash dividends to net income (ytd only)* | 16.8810% | 3,006 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8696% | 3,874 |
| Loan loss allowance to noncurrent loans | 548.2094% | 1,509 |
| Noncurrent assets plus other real estate owned to assets | 0.2417% | 1,946 |
| Noncurrent loans to loans | 0.1586% | 2,704 |
| Net loans and leases to total assets | 69.1500% | 1,715 |
| Net loans and leases to deposits | 85.1070% | 1,383 |
| Net loans and leases to core deposits | 97.4325% | 1,133 |
| Total domestic deposits to total assets | 81.2500% | 3,726 |
| Equity capital to assets | 7.5929% | 3,330 |
| Core capital (leverage) ratio | 8.1442% | 4,341 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4296% | 2,881 |
| Memoranda: | ||
| Average total assets | $307,505,000 | 2,417 |
| Average earning assets | $290,817,400 | 2,381 |
| Average equity | $24,481,000 | 2,604 |
| Average total loans | $211,327,000 | 2,158 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6324% | 2,252 |
| Cost of funding earning assets | 0.6507% | 335 |
| Net interest margin | 2.9817% | 3,268 |
| Noninterest income to average assets | 0.3900% | 2,797 |
| Noninterest expense to average assets | 2.4174% | 2,266 |
| Loan and lease loss provision to assets | 0.1400% | 734 |
| Net operating income to assets | 0.5751% | 3,898 |
| Return on assets (ROA) | 0.5688% | 3,869 |
| Pretax return on assets | 0.6442% | 3,906 |
| Return on Equity (ROE) | 7.0600% | 3,583 |
| Retained earnings to average equity (ytd only) | 5.3335% | 2,984 |
| Net charge-offs to loans | -0.0283% | 4,119 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 75.2608% | 1,146 |
| Assets per employee ($millions) | 6.4344% | 2,377 |
| Cash dividends to net income (ytd only)* | 24.4186% | 2,286 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8886% | 3,894 |
| Loan loss allowance to noncurrent loans | 1,023.5897% | 941 |
| Noncurrent assets plus other real estate owned to assets | 0.1943% | 2,308 |
| Noncurrent loans to loans | 0.0868% | 3,258 |
| Net loans and leases to total assets | 69.2000% | 1,551 |
| Net loans and leases to deposits | 81.5587% | 1,476 |
| Net loans and leases to core deposits | 94.1193% | 1,086 |
| Total domestic deposits to total assets | 84.8400% | 3,323 |
| Equity capital to assets | 7.4819% | 3,230 |
| Core capital (leverage) ratio | 8.0764% | 4,353 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5609% | 2,927 |
| Memoranda: | ||
| Average total assets | $302,360,500 | 2,458 |
| Average earning assets | $286,231,750 | 2,427 |
| Average equity | $24,373,500 | 2,661 |
| Average total loans | $206,947,000 | 2,191 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3997% | 2,435 |
| Cost of funding earning assets | 0.4961% | 528 |
| Net interest margin | 2.9037% | 3,161 |
| Noninterest income to average assets | 0.4245% | 2,599 |
| Noninterest expense to average assets | 2.4616% | 2,049 |
| Loan and lease loss provision to assets | 0.2203% | 359 |
| Net operating income to assets | 0.4851% | 3,936 |
| Return on assets (ROA) | 0.4765% | 3,907 |
| Pretax return on assets | 0.4873% | 4,019 |
| Return on Equity (ROE) | 5.7611% | 3,640 |
| Retained earnings to average equity (ytd only) | 3.1870% | 3,387 |
| Net charge-offs to loans | -0.0050% | 3,342 |
| Credit loss provision to net charge-offs | -6,520.0000% | 3,815 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.4564% | 1,133 |
| Assets per employee ($millions) | 6.2782% | 2,498 |
| Cash dividends to net income (ytd only)* | 44.6809% | 1,534 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8853% | 3,998 |
| Loan loss allowance to noncurrent loans | 805.3498% | 1,097 |
| Noncurrent assets plus other real estate owned to assets | 0.2144% | 2,244 |
| Noncurrent loans to loans | 0.1099% | 3,202 |
| Net loans and leases to total assets | 69.7922% | 1,312 |
| Net loans and leases to deposits | 80.6222% | 1,341 |
| Net loans and leases to core deposits | 92.2064% | 1,008 |
| Total domestic deposits to total assets | 86.5669% | 3,089 |
| Equity capital to assets | 7.5859% | 3,414 |
| Core capital (leverage) ratio | 8.2216% | 4,160 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5813% | 2,910 |
| Memoranda: | ||
| Average total assets | $295,907,000 | 2,505 |
| Average earning assets | $280,612,000 | 2,481 |
| Average equity | $24,474,333 | 2,710 |
| Average total loans | $201,055,333 | 2,226 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2396% | 2,568 |
| Cost of funding earning assets | 0.4533% | 642 |
| Net interest margin | 2.7863% | 3,181 |
| Noninterest income to average assets | 0.6023% | 1,686 |
| Noninterest expense to average assets | 2.6308% | 1,524 |
| Loan and lease loss provision to assets | 0.0864% | 961 |
| Net operating income to assets | 0.5814% | 3,464 |
| Return on assets (ROA) | 0.5702% | 3,472 |
| Pretax return on assets | 0.5131% | 3,850 |
| Return on Equity (ROE) | 6.5954% | 3,156 |
| Retained earnings to average equity (ytd only) | 1.5158% | 3,685 |
| Net charge-offs to loans | 0.0042% | 1,617 |
| Credit loss provision to net charge-offs | 3,100.0000% | 132 |
| Earnings coverage of net charge-offs (x) | 219.0000% | 404 |
| Efficiency ratio | 81.1613% | 1,058 |
| Assets per employee ($millions) | 5.8797% | 2,918 |
| Cash dividends to net income (ytd only)* | 77.0171% | 743 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8573% | 4,134 |
| Loan loss allowance to noncurrent loans | 277.4671% | 2,216 |
| Noncurrent assets plus other real estate owned to assets | 0.3531% | 1,693 |
| Noncurrent loans to loans | 0.3090% | 2,349 |
| Net loans and leases to total assets | 66.3644% | 1,378 |
| Net loans and leases to deposits | 77.1168% | 1,352 |
| Net loans and leases to core deposits | 87.8350% | 1,029 |
| Total domestic deposits to total assets | 86.0570% | 3,240 |
| Equity capital to assets | 8.2413% | 3,375 |
| Core capital (leverage) ratio | 8.6667% | 3,700 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8496% | 2,660 |
| Memoranda: | ||
| Average total assets | $286,904,500 | 2,569 |
| Average earning assets | $271,758,500 | 2,541 |
| Average equity | $24,805,000 | 2,787 |
| Average total loans | $191,061,500 | 2,292 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9525% | 1,481 |
| Cost of funding earning assets | 0.5381% | 756 |
| Net interest margin | 3.4144% | 1,978 |
| Noninterest income to average assets | 0.4909% | 2,617 |
| Noninterest expense to average assets | 2.7958% | 1,372 |
| Loan and lease loss provision to assets | 0.0387% | 2,274 |
| Net operating income to assets | 1.0862% | 2,349 |
| Return on assets (ROA) | 1.1028% | 2,345 |
| Pretax return on assets | 0.9051% | 3,504 |
| Return on Equity (ROE) | 12.3877% | 1,688 |
| Retained earnings to average equity (ytd only) | 12.3877% | 488 |
| Net charge-offs to loans | 0.0031% | 2,502 |
| Credit loss provision to net charge-offs | 1,750.0000% | 341 |
| Earnings coverage of net charge-offs (x) | 419.0000% | 313 |
| Efficiency ratio | 75.0941% | 1,202 |
| Assets per employee ($millions) | 5.3813% | 3,380 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8773% | 4,121 |
| Loan loss allowance to noncurrent loans | 223.3516% | 2,438 |
| Noncurrent assets plus other real estate owned to assets | 0.6397% | 1,021 |
| Noncurrent loans to loans | 0.3928% | 2,183 |
| Net loans and leases to total assets | 65.6515% | 1,514 |
| Net loans and leases to deposits | 77.2849% | 1,470 |
| Net loans and leases to core deposits | 86.9263% | 1,141 |
| Total domestic deposits to total assets | 84.9474% | 3,287 |
| Equity capital to assets | 9.0706% | 3,546 |
| Core capital (leverage) ratio | 8.9268% | 3,480 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8229% | 2,311 |
| Memoranda: | ||
| Average total assets | $271,123,000 | 2,591 |
| Average earning assets | $256,646,000 | 2,577 |
| Average equity | $24,136,800 | 2,906 |
| Average total loans | $191,811,800 | 2,295 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0824% | 1,345 |
| Cost of funding earning assets | 0.5618% | 782 |
| Net interest margin | 3.5207% | 1,814 |
| Noninterest income to average assets | 0.5458% | 2,427 |
| Noninterest expense to average assets | 2.9105% | 1,111 |
| Loan and lease loss provision to assets | 0.0521% | 1,948 |
| Net operating income to assets | 1.2047% | 2,155 |
| Return on assets (ROA) | 1.2136% | 2,180 |
| Pretax return on assets | 0.9226% | 3,646 |
| Return on Equity (ROE) | 13.6993% | 1,480 |
| Retained earnings to average equity (ytd only) | 13.6993% | 542 |
| Net charge-offs to loans | 0.0055% | 2,123 |
| Credit loss provision to net charge-offs | 1,312.5000% | 442 |
| Earnings coverage of net charge-offs (x) | 243.5000% | 490 |
| Efficiency ratio | 75.0863% | 1,116 |
| Assets per employee ($millions) | 5.3482% | 3,356 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8633% | 4,243 |
| Loan loss allowance to noncurrent loans | 279.5181% | 2,085 |
| Noncurrent assets plus other real estate owned to assets | 0.6717% | 1,117 |
| Noncurrent loans to loans | 0.3088% | 2,687 |
| Net loans and leases to total assets | 68.3759% | 1,275 |
| Net loans and leases to deposits | 80.8229% | 1,205 |
| Net loans and leases to core deposits | 91.4530% | 950 |
| Total domestic deposits to total assets | 84.5996% | 3,263 |
| Equity capital to assets | 9.1736% | 3,679 |
| Core capital (leverage) ratio | 9.0295% | 3,521 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8184% | 2,421 |
| Memoranda: | ||
| Average total assets | $268,947,250 | 2,629 |
| Average earning assets | $254,416,250 | 2,616 |
| Average equity | $23,825,500 | 2,956 |
| Average total loans | $193,430,750 | 2,316 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2449% | 1,102 |
| Cost of funding earning assets | 0.5912% | 777 |
| Net interest margin | 3.6537% | 1,459 |
| Noninterest income to average assets | 0.4117% | 3,049 |
| Noninterest expense to average assets | 2.9416% | 1,080 |
| Loan and lease loss provision to assets | 0.0785% | 1,536 |
| Net operating income to assets | 1.4600% | 1,398 |
| Return on assets (ROA) | 1.4689% | 1,439 |
| Pretax return on assets | 0.8592% | 3,750 |
| Return on Equity (ROE) | 16.7843% | 815 |
| Retained earnings to average equity (ytd only) | 16.7843% | 283 |
| Net charge-offs to loans | 0.0277% | 1,396 |
| Credit loss provision to net charge-offs | 388.8889% | 772 |
| Earnings coverage of net charge-offs (x) | 46.0370% | 1,104 |
| Efficiency ratio | 76.0039% | 1,082 |
| Assets per employee ($millions) | 5.3574% | 3,278 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8152% | 4,343 |
| Loan loss allowance to noncurrent loans | 160.3397% | 2,777 |
| Noncurrent assets plus other real estate owned to assets | 0.7224% | 1,138 |
| Noncurrent loans to loans | 0.5084% | 2,154 |
| Net loans and leases to total assets | 72.9035% | 862 |
| Net loans and leases to deposits | 86.3270% | 896 |
| Net loans and leases to core deposits | 96.6949% | 776 |
| Total domestic deposits to total assets | 84.4504% | 3,294 |
| Equity capital to assets | 9.1865% | 3,615 |
| Core capital (leverage) ratio | 8.7535% | 3,741 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7512% | 2,456 |
| Memoranda: | ||
| Average total assets | $267,676,333 | 2,631 |
| Average earning assets | $253,387,333 | 2,604 |
| Average equity | $23,426,667 | 2,975 |
| Average total loans | $195,199,000 | 2,310 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9108% | 1,805 |
| Cost of funding earning assets | 0.6006% | 873 |
| Net interest margin | 3.3102% | 2,360 |
| Noninterest income to average assets | 0.3827% | 3,182 |
| Noninterest expense to average assets | 2.7491% | 1,491 |
| Loan and lease loss provision to assets | 0.1181% | 1,156 |
| Net operating income to assets | 0.6548% | 3,806 |
| Return on assets (ROA) | 0.6742% | 3,840 |
| Pretax return on assets | 0.6742% | 4,068 |
| Return on Equity (ROE) | 7.8998% | 3,358 |
| Retained earnings to average equity (ytd only) | 7.8998% | 2,278 |
| Net charge-offs to loans | 0.0082% | 1,613 |
| Credit loss provision to net charge-offs | 1,975.0000% | 249 |
| Earnings coverage of net charge-offs (x) | 129.2500% | 529 |
| Efficiency ratio | 78.0560% | 949 |
| Assets per employee ($millions) | 5.6069% | 3,013 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8154% | 4,376 |
| Loan loss allowance to noncurrent loans | 128.6747% | 3,014 |
| Noncurrent assets plus other real estate owned to assets | 0.7498% | 1,220 |
| Noncurrent loans to loans | 0.6337% | 1,989 |
| Net loans and leases to total assets | 70.9266% | 1,166 |
| Net loans and leases to deposits | 85.3273% | 1,014 |
| Net loans and leases to core deposits | 97.2768% | 832 |
| Total domestic deposits to total assets | 83.1231% | 3,661 |
| Equity capital to assets | 8.3840% | 4,206 |
| Core capital (leverage) ratio | 8.4853% | 4,122 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6802% | 2,411 |
| Memoranda: | ||
| Average total assets | $267,578,500 | 2,613 |
| Average earning assets | $253,761,500 | 2,586 |
| Average equity | $22,836,000 | 3,010 |
| Average total loans | $194,352,000 | 2,319 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1069% | 2,402 |
| Cost of funding earning assets | 0.9271% | 775 |
| Net interest margin | 3.1799% | 3,408 |
| Noninterest income to average assets | 0.3966% | 3,110 |
| Noninterest expense to average assets | 2.9657% | 1,515 |
| Loan and lease loss provision to assets | 0.2003% | 1,956 |
| Net operating income to assets | 0.2308% | 4,533 |
| Return on assets (ROA) | 0.2890% | 4,512 |
| Pretax return on assets | 0.2890% | 4,558 |
| Return on Equity (ROE) | 3.2586% | 4,315 |
| Retained earnings to average equity (ytd only) | 3.2586% | 3,198 |
| Net charge-offs to loans | 0.0443% | 2,181 |
| Credit loss provision to net charge-offs | 623.7500% | 1,077 |
| Earnings coverage of net charge-offs (x) | 13.4250% | 2,279 |
| Efficiency ratio | 87.3080% | 477 |
| Assets per employee ($millions) | 5.3147% | 3,034 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7943% | 4,435 |
| Loan loss allowance to noncurrent loans | 90.7308% | 3,454 |
| Noncurrent assets plus other real estate owned to assets | 1.0318% | 913 |
| Noncurrent loans to loans | 0.8755% | 1,617 |
| Net loans and leases to total assets | 73.2330% | 1,122 |
| Net loans and leases to deposits | 88.5925% | 1,034 |
| Net loans and leases to core deposits | 101.9174% | 818 |
| Total domestic deposits to total assets | 82.6627% | 3,501 |
| Equity capital to assets | 8.6928% | 4,295 |
| Core capital (leverage) ratio | 8.4889% | 4,215 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4718% | 2,461 |
| Memoranda: | ||
| Average total assets | $249,112,400 | 2,586 |
| Average earning assets | $235,042,000 | 2,556 |
| Average equity | $22,095,200 | 2,997 |
| Average total loans | $180,659,000 | 2,408 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1242% | 2,606 |
| Cost of funding earning assets | 1.0092% | 739 |
| Net interest margin | 3.1150% | 3,704 |
| Noninterest income to average assets | 0.3941% | 3,110 |
| Noninterest expense to average assets | 3.0176% | 1,408 |
| Loan and lease loss provision to assets | 0.2241% | 1,809 |
| Net operating income to assets | 0.0899% | 4,713 |
| Return on assets (ROA) | 0.1657% | 4,675 |
| Pretax return on assets | 0.1657% | 4,685 |
| Return on Equity (ROE) | 1.8579% | 4,573 |
| Retained earnings to average equity (ytd only) | 1.8579% | 3,979 |
| Net charge-offs to loans | 0.0330% | 2,169 |
| Credit loss provision to net charge-offs | 940.9091% | 867 |
| Earnings coverage of net charge-offs (x) | 13.1818% | 2,209 |
| Efficiency ratio | 90.5752% | 350 |
| Assets per employee ($millions) | 5.4509% | 2,751 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7559% | 4,468 |
| Loan loss allowance to noncurrent loans | 82.7084% | 3,534 |
| Noncurrent assets plus other real estate owned to assets | 1.0465% | 1,040 |
| Noncurrent loans to loans | 0.9140% | 1,633 |
| Net loans and leases to total assets | 74.1627% | 1,352 |
| Net loans and leases to deposits | 89.8708% | 1,278 |
| Net loans and leases to core deposits | 103.5084% | 953 |
| Total domestic deposits to total assets | 82.5215% | 3,273 |
| Equity capital to assets | 8.5140% | 4,456 |
| Core capital (leverage) ratio | 8.4981% | 4,298 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4849% | 2,427 |
| Memoranda: | ||
| Average total assets | $246,285,250 | 2,587 |
| Average earning assets | $232,248,000 | 2,560 |
| Average equity | $21,959,500 | 3,002 |
| Average total loans | $177,763,500 | 2,427 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1143% | 3,014 |
| Cost of funding earning assets | 1.0987% | 717 |
| Net interest margin | 3.0156% | 4,088 |
| Noninterest income to average assets | 0.3956% | 3,111 |
| Noninterest expense to average assets | 3.1306% | 1,283 |
| Loan and lease loss provision to assets | 0.2148% | 1,937 |
| Net operating income to assets | -0.1070% | 4,831 |
| Return on assets (ROA) | 0.0041% | 4,791 |
| Pretax return on assets | 0.0041% | 4,787 |
| Return on Equity (ROE) | 0.0458% | 4,790 |
| Retained earnings to average equity (ytd only) | 0.0458% | 4,296 |
| Net charge-offs to loans | 0.0058% | 2,755 |
| Credit loss provision to net charge-offs | 5,180.0000% | 229 |
| Earnings coverage of net charge-offs (x) | 26.0000% | 1,538 |
| Efficiency ratio | 96.6709% | 230 |
| Assets per employee ($millions) | 5.3640% | 2,769 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7374% | 4,496 |
| Loan loss allowance to noncurrent loans | 47.2753% | 4,097 |
| Noncurrent assets plus other real estate owned to assets | 1.4242% | 676 |
| Noncurrent loans to loans | 1.5597% | 958 |
| Net loans and leases to total assets | 71.2126% | 1,839 |
| Net loans and leases to deposits | 89.3981% | 1,406 |
| Net loans and leases to core deposits | 102.2531% | 1,102 |
| Total domestic deposits to total assets | 79.6578% | 3,906 |
| Equity capital to assets | 8.5222% | 4,464 |
| Core capital (leverage) ratio | 8.6891% | 4,225 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8238% | 2,255 |
| Memoranda: | ||
| Average total assets | $241,166,667 | 2,598 |
| Average earning assets | $227,351,667 | 2,571 |
| Average equity | $21,854,000 | 3,001 |
| Average total loans | $171,845,333 | 2,452 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2901% | 2,955 |
| Cost of funding earning assets | 1.2216% | 712 |
| Net interest margin | 3.0685% | 4,165 |
| Noninterest income to average assets | 0.3519% | 3,417 |
| Noninterest expense to average assets | 3.4521% | 1,010 |
| Loan and lease loss provision to assets | 0.2472% | 1,258 |
| Net operating income to assets | -0.4583% | 4,920 |
| Return on assets (ROA) | -0.2180% | 4,832 |
| Pretax return on assets | -0.2180% | 4,817 |
| Return on Equity (ROE) | -2.3292% | 4,847 |
| Retained earnings to average equity (ytd only) | -2.3292% | 4,286 |
| Net charge-offs to loans | -0.0097% | 4,068 |
| Credit loss provision to net charge-offs | -3,600.0000% | 3,821 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.5148% | 169 |
| Assets per employee ($millions) | 4.7835% | 2,891 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7172% | 4,581 |
| Loan loss allowance to noncurrent loans | 53.8593% | 4,024 |
| Noncurrent assets plus other real estate owned to assets | 1.3036% | 900 |
| Noncurrent loans to loans | 1.3317% | 1,216 |
| Net loans and leases to total assets | 72.6926% | 1,824 |
| Net loans and leases to deposits | 91.7682% | 1,313 |
| Net loans and leases to core deposits | 103.0678% | 1,240 |
| Total domestic deposits to total assets | 79.2133% | 4,008 |
| Equity capital to assets | 9.1117% | 4,527 |
| Core capital (leverage) ratio | 9.1935% | 4,284 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1130% | 2,233 |
| Memoranda: | ||
| Average total assets | $233,015,000 | 2,605 |
| Average earning assets | $219,391,000 | 2,577 |
| Average equity | $21,810,000 | 3,010 |
| Average total loans | $165,411,500 | 2,482 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4567% | 3,097 |
| Cost of funding earning assets | 1.2408% | 924 |
| Net interest margin | 3.2159% | 4,152 |
| Noninterest income to average assets | 0.6010% | 2,213 |
| Noninterest expense to average assets | 3.4772% | 997 |
| Loan and lease loss provision to assets | 0.0778% | 2,441 |
| Net operating income to assets | 0.0364% | 4,950 |
| Return on assets (ROA) | 0.0805% | 4,952 |
| Pretax return on assets | 0.0805% | 4,949 |
| Return on Equity (ROE) | 0.8335% | 4,933 |
| Retained earnings to average equity (ytd only) | 0.8335% | 4,443 |
| Net charge-offs to loans | 0.1010% | 1,715 |
| Credit loss provision to net charge-offs | 119.3103% | 2,119 |
| Earnings coverage of net charge-offs (x) | 1.7517% | 3,499 |
| Efficiency ratio | 96.8186% | 196 |
| Assets per employee ($millions) | 4.5371% | 3,171 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7116% | 4,553 |
| Loan loss allowance to noncurrent loans | 43.5877% | 4,203 |
| Noncurrent assets plus other real estate owned to assets | 1.5367% | 652 |
| Noncurrent loans to loans | 1.6326% | 856 |
| Net loans and leases to total assets | 68.1477% | 2,663 |
| Net loans and leases to deposits | 85.9530% | 2,096 |
| Net loans and leases to core deposits | 95.9556% | 1,908 |
| Total domestic deposits to total assets | 79.2848% | 4,123 |
| Equity capital to assets | 9.6216% | 4,251 |
| Core capital (leverage) ratio | 9.3931% | 4,177 |
| Tier 1 risk-based capital ratio | 14.9121% | 2,816 |
| Total risk-based capital ratio | 15.6883% | 2,948 |
| Memoranda: | ||
| Average total assets | $222,304,000 | 2,640 |
| Average earning assets | $206,721,200 | 2,639 |
| Average equity | $21,476,600 | 3,007 |
| Average total loans | $143,610,000 | 2,681 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4542% | 3,195 |
| Cost of funding earning assets | 1.2239% | 971 |
| Net interest margin | 3.2303% | 4,232 |
| Noninterest income to average assets | 0.6945% | 1,811 |
| Noninterest expense to average assets | 3.5719% | 877 |
| Loan and lease loss provision to assets | 0.1043% | 1,848 |
| Net operating income to assets | 0.0145% | 5,060 |
| Return on assets (ROA) | 0.0241% | 5,072 |
| Pretax return on assets | 0.0241% | 5,069 |
| Return on Equity (ROE) | 0.2493% | 5,071 |
| Retained earnings to average equity (ytd only) | 0.2493% | 4,715 |
| Net charge-offs to loans | 0.1328% | 1,201 |
| Credit loss provision to net charge-offs | 123.5714% | 1,905 |
| Earnings coverage of net charge-offs (x) | 1.4072% | 3,294 |
| Efficiency ratio | 96.7821% | 185 |
| Assets per employee ($millions) | 4.5147% | 3,182 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7179% | 4,612 |
| Loan loss allowance to noncurrent loans | 44.0443% | 4,269 |
| Noncurrent assets plus other real estate owned to assets | 1.5991% | 657 |
| Noncurrent loans to loans | 1.6300% | 906 |
| Net loans and leases to total assets | 66.8488% | 2,946 |
| Net loans and leases to deposits | 83.1461% | 2,551 |
| Net loans and leases to core deposits | 98.9006% | 1,754 |
| Total domestic deposits to total assets | 80.3992% | 3,891 |
| Equity capital to assets | 9.4962% | 4,456 |
| Core capital (leverage) ratio | 9.1245% | 4,538 |
| Tier 1 risk-based capital ratio | 13.0219% | 3,835 |
| Total risk-based capital ratio | 13.7083% | 4,052 |
| Memoranda: | ||
| Average total assets | $221,166,750 | 2,673 |
| Average earning assets | $205,133,750 | 2,671 |
| Average equity | $21,389,000 | 3,033 |
| Average total loans | $140,586,750 | 2,744 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3130% | 3,602 |
| Cost of funding earning assets | 1.1505% | 1,139 |
| Net interest margin | 3.1624% | 4,434 |
| Noninterest income to average assets | 0.5712% | 2,283 |
| Noninterest expense to average assets | 3.6536% | 794 |
| Loan and lease loss provision to assets | 0.0458% | 2,902 |
| Net operating income to assets | -0.1999% | 5,146 |
| Return on assets (ROA) | -0.1852% | 5,148 |
| Pretax return on assets | -0.1852% | 5,144 |
| Return on Equity (ROE) | -1.9029% | 5,159 |
| Retained earnings to average equity (ytd only) | -1.9029% | 4,901 |
| Net charge-offs to loans | 0.1016% | 1,368 |
| Credit loss provision to net charge-offs | 72.4638% | 2,300 |
| Earnings coverage of net charge-offs (x) | -2.4348% | 3,133 |
| Efficiency ratio | 104.4014% | 127 |
| Assets per employee ($millions) | 4.5319% | 3,086 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7392% | 4,628 |
| Loan loss allowance to noncurrent loans | 28.2632% | 4,579 |
| Noncurrent assets plus other real estate owned to assets | 2.0662% | 437 |
| Noncurrent loans to loans | 2.6154% | 430 |
| Net loans and leases to total assets | 62.8753% | 3,466 |
| Net loans and leases to deposits | 76.4049% | 3,296 |
| Net loans and leases to core deposits | 85.0194% | 3,030 |
| Total domestic deposits to total assets | 82.2923% | 3,436 |
| Equity capital to assets | 9.4865% | 4,414 |
| Core capital (leverage) ratio | 9.1425% | 4,516 |
| Tier 1 risk-based capital ratio | 15.8474% | 2,480 |
| Total risk-based capital ratio | 16.6544% | 2,589 |
| Memoranda: | ||
| Average total assets | $218,138,670 | 2,708 |
| Average earning assets | $201,995,670 | 2,716 |
| Average equity | $21,230,330 | 3,043 |
| Average total loans | $135,771,330 | 2,807 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1480% | 4,010 |
| Cost of funding earning assets | 0.9849% | 1,635 |
| Net interest margin | 3.1631% | 4,473 |
| Noninterest income to average assets | 0.8153% | 1,253 |
| Noninterest expense to average assets | 3.7511% | 697 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | -0.0112% | 5,152 |
| Return on assets (ROA) | -0.0112% | 5,155 |
| Pretax return on assets | -0.0112% | 5,148 |
| Return on Equity (ROE) | -0.1138% | 5,155 |
| Retained earnings to average equity (ytd only) | -0.1138% | 4,544 |
| Net charge-offs to loans | 0.1729% | 791 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | -0.1053% | 2,681 |
| Efficiency ratio | 100.3000% | 169 |
| Assets per employee ($millions) | 4.5234% | 3,154 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7678% | 4,615 |
| Loan loss allowance to noncurrent loans | 26.0438% | 4,672 |
| Noncurrent assets plus other real estate owned to assets | 2.3107% | 365 |
| Noncurrent loans to loans | 2.9482% | 378 |
| Net loans and leases to total assets | 58.4565% | 3,834 |
| Net loans and leases to deposits | 76.3162% | 3,232 |
| Net loans and leases to core deposits | 87.2789% | 2,756 |
| Total domestic deposits to total assets | 76.5977% | 4,695 |
| Equity capital to assets | 9.3934% | 4,349 |
| Core capital (leverage) ratio | 10.2463% | 3,337 |
| Tier 1 risk-based capital ratio | 16.2735% | 2,344 |
| Total risk-based capital ratio | 17.0671% | 2,452 |
| Memoranda: | ||
| Average total assets | $213,910,000 | 2,773 |
| Average earning assets | $197,780,000 | 2,786 |
| Average equity | $21,097,500 | 3,062 |
| Average total loans | $131,890,000 | 2,881 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2366% | 3,330 |
| Cost of funding earning assets | 0.6244% | 2,556 |
| Net interest margin | 3.6122% | 3,338 |
| Noninterest income to average assets | 0.3747% | 3,583 |
| Noninterest expense to average assets | 3.8620% | 632 |
| Loan and lease loss provision to assets | 0.1535% | 1,377 |
| Net operating income to assets | -0.3455% | 5,303 |
| Return on assets (ROA) | -0.6068% | 5,317 |
| Pretax return on assets | -0.6068% | 5,316 |
| Return on Equity (ROE) | -7.0491% | 5,328 |
| Retained earnings to average equity (ytd only) | -7.0491% | 5,280 |
| Net charge-offs to loans | 0.6796% | 245 |
| Credit loss provision to net charge-offs | 33.7474% | 3,328 |
| Earnings coverage of net charge-offs (x) | -0.4224% | 3,726 |
| Efficiency ratio | 105.2335% | 105 |
| Assets per employee ($millions) | 4.1153% | 3,730 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8273% | 4,441 |
| Loan loss allowance to noncurrent loans | 26.7459% | 4,679 |
| Noncurrent assets plus other real estate owned to assets | 2.6234% | 275 |
| Noncurrent loans to loans | 3.0932% | 320 |
| Net loans and leases to total assets | 64.2033% | 3,331 |
| Net loans and leases to deposits | 78.8000% | 3,067 |
| Net loans and leases to core deposits | 92.2004% | 2,390 |
| Total domestic deposits to total assets | 81.4763% | 3,793 |
| Equity capital to assets | 10.3893% | 3,295 |
| Core capital (leverage) ratio | 10.4174% | 3,121 |
| Tier 1 risk-based capital ratio | 15.6448% | 2,558 |
| Total risk-based capital ratio | 16.4508% | 2,672 |
| Memoranda: | ||
| Average total assets | $212,427,800 | 2,752 |
| Average earning assets | $193,789,000 | 2,779 |
| Average equity | $18,286,000 | 3,266 |
| Average total loans | $142,142,200 | 2,741 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2782% | 3,046 |
| Cost of funding earning assets | 0.5712% | 2,698 |
| Net interest margin | 3.7070% | 2,995 |
| Noninterest income to average assets | 0.2386% | 4,544 |
| Noninterest expense to average assets | 3.8879% | 603 |
| Loan and lease loss provision to assets | 0.0403% | 3,197 |
| Net operating income to assets | -0.3149% | 5,370 |
| Return on assets (ROA) | -0.6588% | 5,398 |
| Pretax return on assets | -0.6588% | 5,399 |
| Return on Equity (ROE) | -8.0437% | 5,409 |
| Retained earnings to average equity (ytd only) | -8.0437% | 5,364 |
| Net charge-offs to loans | 0.5516% | 271 |
| Credit loss provision to net charge-offs | 10.8333% | 3,053 |
| Earnings coverage of net charge-offs (x) | -0.7383% | 3,434 |
| Efficiency ratio | 107.5986% | 96 |
| Assets per employee ($millions) | 3.7078% | 4,294 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8569% | 4,434 |
| Loan loss allowance to noncurrent loans | 37.8473% | 4,612 |
| Noncurrent assets plus other real estate owned to assets | 2.2630% | 425 |
| Noncurrent loans to loans | 2.2642% | 612 |
| Net loans and leases to total assets | 68.4743% | 2,871 |
| Net loans and leases to deposits | 81.0298% | 2,926 |
| Net loans and leases to core deposits | 95.3825% | 2,174 |
| Total domestic deposits to total assets | 84.5051% | 2,789 |
| Equity capital to assets | 10.3236% | 3,306 |
| Core capital (leverage) ratio | 10.0950% | 3,528 |
| Tier 1 risk-based capital ratio | 16.5913% | 2,250 |
| Total risk-based capital ratio | 17.5198% | 2,287 |
| Memoranda: | ||
| Average total assets | $215,122,250 | 2,746 |
| Average earning assets | $195,839,250 | 2,778 |
| Average equity | $17,620,000 | 3,361 |
| Average total loans | $145,041,250 | 2,721 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0541% | 3,599 |
| Cost of funding earning assets | 0.5348% | 2,734 |
| Net interest margin | 3.5193% | 3,571 |
| Noninterest income to average assets | 0.2572% | 4,474 |
| Noninterest expense to average assets | 4.0965% | 473 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | -0.6279% | 5,451 |
| Return on assets (ROA) | -1.1323% | 5,475 |
| Pretax return on assets | -1.1323% | 5,473 |
| Return on Equity (ROE) | -15.0090% | 5,498 |
| Retained earnings to average equity (ytd only) | -15.0090% | 5,474 |
| Net charge-offs to loans | 0.5092% | 301 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | -1.8427% | 3,157 |
| Efficiency ratio | 118.1032% | 68 |
| Assets per employee ($millions) | 3.7371% | 4,301 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9423% | 4,149 |
| Loan loss allowance to noncurrent loans | 38.5718% | 4,616 |
| Noncurrent assets plus other real estate owned to assets | 2.4768% | 356 |
| Noncurrent loans to loans | 2.4429% | 540 |
| Net loans and leases to total assets | 66.3773% | 3,082 |
| Net loans and leases to deposits | 80.4652% | 2,898 |
| Net loans and leases to core deposits | 89.7592% | 2,593 |
| Total domestic deposits to total assets | 82.4920% | 3,562 |
| Equity capital to assets | 9.6997% | 3,917 |
| Core capital (leverage) ratio | 9.9478% | 3,635 |
| Tier 1 risk-based capital ratio | 16.4211% | 2,283 |
| Total risk-based capital ratio | 17.4734% | 2,302 |
| Memoranda: | ||
| Average total assets | $220,089,330 | 2,728 |
| Average earning assets | $200,835,330 | 2,747 |
| Average equity | $16,603,330 | 3,484 |
| Average total loans | $147,293,330 | 2,700 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0033% | 3,596 |
| Cost of funding earning assets | 0.5526% | 2,386 |
| Net interest margin | 3.4506% | 3,701 |
| Noninterest income to average assets | 0.1449% | 5,142 |
| Noninterest expense to average assets | 4.0300% | 510 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | -0.7244% | 5,522 |
| Return on assets (ROA) | -0.7244% | 5,520 |
| Pretax return on assets | -0.7244% | 5,519 |
| Return on Equity (ROE) | -11.1157% | 5,538 |
| Retained earnings to average equity (ytd only) | -11.1157% | 5,393 |
| Net charge-offs to loans | 0.0909% | 1,254 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | -11.9118% | 2,703 |
| Efficiency ratio | 121.9156% | 61 |
| Assets per employee ($millions) | 4.0837% | 3,829 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1389% | 3,152 |
| Loan loss allowance to noncurrent loans | 37.6928% | 4,683 |
| Noncurrent assets plus other real estate owned to assets | 2.8495% | 289 |
| Noncurrent loans to loans | 3.0214% | 397 |
| Net loans and leases to total assets | 65.1628% | 3,156 |
| Net loans and leases to deposits | 80.1495% | 2,794 |
| Net loans and leases to core deposits | 92.4987% | 2,259 |
| Total domestic deposits to total assets | 81.3016% | 4,134 |
| Equity capital to assets | 9.4104% | 4,173 |
| Core capital (leverage) ratio | 9.2811% | 4,346 |
| Tier 1 risk-based capital ratio | 15.4668% | 2,675 |
| Total risk-based capital ratio | 16.6974% | 2,615 |
| Memoranda: | ||
| Average total assets | $223,625,500 | 2,720 |
| Average earning assets | $204,831,500 | 2,741 |
| Average equity | $14,574,000 | 3,762 |
| Average total loans | $149,570,000 | 2,694 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9122% | 3,682 |
| Cost of funding earning assets | 0.5415% | 2,016 |
| Net interest margin | 3.3707% | 3,933 |
| Noninterest income to average assets | 0.3412% | 4,028 |
| Noninterest expense to average assets | 3.8226% | 678 |
| Loan and lease loss provision to assets | 0.0843% | 2,525 |
| Net operating income to assets | -0.4664% | 5,523 |
| Return on assets (ROA) | -0.4171% | 5,505 |
| Pretax return on assets | -0.4171% | 5,536 |
| Return on Equity (ROE) | -11.4823% | 5,601 |
| Retained earnings to average equity (ytd only) | -11.4823% | 5,554 |
| Net charge-offs to loans | 0.1824% | 1,380 |
| Credit loss provision to net charge-offs | 71.1744% | 3,076 |
| Earnings coverage of net charge-offs (x) | -3.2278% | 4,062 |
| Efficiency ratio | 111.1057% | 99 |
| Assets per employee ($millions) | 3.9759% | 4,000 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1383% | 3,124 |
| Loan loss allowance to noncurrent loans | 37.4238% | 4,742 |
| Noncurrent assets plus other real estate owned to assets | 3.1646% | 242 |
| Noncurrent loans to loans | 3.0418% | 365 |
| Net loans and leases to total assets | 67.0908% | 2,950 |
| Net loans and leases to deposits | 81.0158% | 2,816 |
| Net loans and leases to core deposits | 94.5622% | 2,148 |
| Total domestic deposits to total assets | 82.8120% | 3,622 |
| Equity capital to assets | 3.5985% | 5,663 |
| Core capital (leverage) ratio | 3.5046% | 5,664 |
| Tier 1 risk-based capital ratio | 5.7338% | 5,663 |
| Total risk-based capital ratio | 6.9653% | 5,663 |
| Memoranda: | ||
| Average total assets | $237,375,000 | 2,583 |
| Average earning assets | $218,264,000 | 2,596 |
| Average equity | $8,622,000 | 4,681 |
| Average total loans | $154,032,600 | 2,611 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9003% | 3,678 |
| Cost of funding earning assets | 0.5299% | 2,034 |
| Net interest margin | 3.3704% | 3,947 |
| Noninterest income to average assets | 0.3341% | 4,146 |
| Noninterest expense to average assets | 3.8264% | 652 |
| Loan and lease loss provision to assets | 0.1106% | 1,931 |
| Net operating income to assets | -0.5000% | 5,629 |
| Return on assets (ROA) | -0.5022% | 5,630 |
| Pretax return on assets | -0.5022% | 5,625 |
| Return on Equity (ROE) | -13.7973% | 5,694 |
| Retained earnings to average equity (ytd only) | -13.7973% | 5,653 |
| Net charge-offs to loans | 0.1060% | 1,732 |
| Credit loss provision to net charge-offs | 162.6016% | 1,581 |
| Earnings coverage of net charge-offs (x) | -5.7234% | 3,759 |
| Efficiency ratio | 111.3293% | 90 |
| Assets per employee ($millions) | 3.8676% | 4,211 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2241% | 2,778 |
| Loan loss allowance to noncurrent loans | 40.8972% | 4,744 |
| Noncurrent assets plus other real estate owned to assets | 3.2736% | 258 |
| Noncurrent loans to loans | 2.9931% | 432 |
| Net loans and leases to total assets | 66.4104% | 3,054 |
| Net loans and leases to deposits | 79.9656% | 2,980 |
| Net loans and leases to core deposits | 90.9812% | 2,529 |
| Total domestic deposits to total assets | 83.0488% | 3,436 |
| Equity capital to assets | 3.6141% | 5,728 |
| Core capital (leverage) ratio | 3.4825% | 5,728 |
| Tier 1 risk-based capital ratio | 5.5335% | 5,729 |
| Total risk-based capital ratio | 6.7835% | 5,728 |
| Memoranda: | ||
| Average total assets | $241,056,500 | 2,571 |
| Average earning assets | $221,923,500 | 2,588 |
| Average equity | $8,774,500 | 4,699 |
| Average total loans | $154,766,500 | 2,618 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8231% | 3,811 |
| Cost of funding earning assets | 0.5204% | 2,010 |
| Net interest margin | 3.3027% | 4,097 |
| Noninterest income to average assets | 0.3014% | 4,379 |
| Noninterest expense to average assets | 3.6635% | 808 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | -0.3144% | 5,649 |
| Return on assets (ROA) | -0.3152% | 5,649 |
| Pretax return on assets | -0.3152% | 5,635 |
| Return on Equity (ROE) | -8.6701% | 5,711 |
| Retained earnings to average equity (ytd only) | -8.6701% | 5,625 |
| Net charge-offs to loans | 0.0974% | 1,649 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | -5.0921% | 3,465 |
| Efficiency ratio | 109.3886% | 105 |
| Assets per employee ($millions) | 3.8473% | 4,207 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0803% | 3,690 |
| Loan loss allowance to noncurrent loans | 57.7837% | 4,419 |
| Noncurrent assets plus other real estate owned to assets | 2.1756% | 552 |
| Noncurrent loans to loans | 1.8696% | 940 |
| Net loans and leases to total assets | 64.1837% | 3,364 |
| Net loans and leases to deposits | 75.8905% | 3,357 |
| Net loans and leases to core deposits | 84.4122% | 3,024 |
| Total domestic deposits to total assets | 84.5741% | 2,991 |
| Equity capital to assets | 3.5544% | 5,777 |
| Core capital (leverage) ratio | 3.6634% | 5,778 |
| Tier 1 risk-based capital ratio | 5.8707% | 5,776 |
| Total risk-based capital ratio | 7.0373% | 5,776 |
| Memoranda: | ||
| Average total assets | $246,158,330 | 2,546 |
| Average earning assets | $227,144,670 | 2,560 |
| Average equity | $8,950,330 | 4,687 |
| Average total loans | $156,028,670 | 2,617 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7959% | 3,775 |
| Cost of funding earning assets | 0.5196% | 1,938 |
| Net interest margin | 3.2762% | 4,095 |
| Noninterest income to average assets | 0.2487% | 4,758 |
| Noninterest expense to average assets | 3.6226% | 870 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | -0.3510% | 5,711 |
| Return on assets (ROA) | -0.3527% | 5,710 |
| Pretax return on assets | -0.3527% | 5,698 |
| Return on Equity (ROE) | -9.5917% | 5,778 |
| Retained earnings to average equity (ytd only) | -9.5917% | 5,568 |
| Net charge-offs to loans | 0.0519% | 1,827 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | -10.8000% | 2,916 |
| Efficiency ratio | 110.7303% | 120 |
| Assets per employee ($millions) | 3.7308% | 4,443 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1437% | 3,455 |
| Loan loss allowance to noncurrent loans | 52.6300% | 4,589 |
| Noncurrent assets plus other real estate owned to assets | 2.4031% | 499 |
| Noncurrent loans to loans | 2.1732% | 783 |
| Net loans and leases to total assets | 64.4703% | 3,204 |
| Net loans and leases to deposits | 72.6896% | 3,545 |
| Net loans and leases to core deposits | 80.6553% | 3,235 |
| Total domestic deposits to total assets | 88.6926% | 1,329 |
| Equity capital to assets | 3.7387% | 5,841 |
| Core capital (leverage) ratio | 3.6491% | 5,846 |
| Tier 1 risk-based capital ratio | 6.3247% | 5,839 |
| Total risk-based capital ratio | 7.5745% | 5,839 |
| Memoranda: | ||
| Average total assets | $246,123,000 | 2,570 |
| Average earning assets | $227,089,000 | 2,584 |
| Average equity | $9,049,500 | 4,709 |
| Average total loans | $154,160,500 | 2,647 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9791% | 3,270 |
| Cost of funding earning assets | 0.5258% | 1,901 |
| Net interest margin | 3.4533% | 3,617 |
| Noninterest income to average assets | 0.3185% | 4,460 |
| Noninterest expense to average assets | 3.4113% | 1,331 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.0890% | 5,573 |
| Return on assets (ROA) | 0.0890% | 5,603 |
| Pretax return on assets | 0.0890% | 5,601 |
| Return on Equity (ROE) | 2.4493% | 5,303 |
| Retained earnings to average equity (ytd only) | 2.4493% | 4,131 |
| Net charge-offs to loans | 0.3491% | 777 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 0.4156% | 4,104 |
| Efficiency ratio | 97.4586% | 268 |
| Assets per employee ($millions) | 3.9605% | 4,045 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1802% | 3,238 |
| Loan loss allowance to noncurrent loans | 82.0875% | 3,966 |
| Noncurrent assets plus other real estate owned to assets | 2.1481% | 615 |
| Noncurrent loans to loans | 1.4377% | 1,414 |
| Net loans and leases to total assets | 59.4941% | 3,906 |
| Net loans and leases to deposits | 65.3003% | 4,308 |
| Net loans and leases to core deposits | 73.4874% | 3,963 |
| Total domestic deposits to total assets | 91.1084% | 247 |
| Equity capital to assets | 3.6185% | 5,897 |
| Core capital (leverage) ratio | 3.5372% | 5,899 |
| Tier 1 risk-based capital ratio | 6.5007% | 5,890 |
| Total risk-based capital ratio | 7.7509% | 5,890 |
| Memoranda: | ||
| Average total assets | $251,813,200 | 2,490 |
| Average earning assets | $232,011,000 | 2,499 |
| Average equity | $9,145,600 | 4,729 |
| Average total loans | $154,412,800 | 2,584 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0372% | 3,086 |
| Cost of funding earning assets | 0.5188% | 1,945 |
| Net interest margin | 3.5184% | 3,401 |
| Noninterest income to average assets | 0.3400% | 4,349 |
| Noninterest expense to average assets | 3.5396% | 1,079 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.0414% | 5,687 |
| Return on assets (ROA) | 0.0414% | 5,718 |
| Pretax return on assets | 0.0414% | 5,715 |
| Return on Equity (ROE) | 1.1416% | 5,629 |
| Retained earnings to average equity (ytd only) | 1.1416% | 5,048 |
| Net charge-offs to loans | 0.3323% | 695 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 0.2021% | 3,813 |
| Efficiency ratio | 98.8448% | 245 |
| Assets per employee ($millions) | 3.9188% | 4,098 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2570% | 2,915 |
| Loan loss allowance to noncurrent loans | 74.1838% | 4,175 |
| Noncurrent assets plus other real estate owned to assets | 2.4242% | 575 |
| Noncurrent loans to loans | 1.6944% | 1,239 |
| Net loans and leases to total assets | 60.2615% | 3,840 |
| Net loans and leases to deposits | 66.1917% | 4,323 |
| Net loans and leases to core deposits | 73.6728% | 4,026 |
| Total domestic deposits to total assets | 91.0408% | 188 |
| Equity capital to assets | 3.6644% | 5,969 |
| Core capital (leverage) ratio | 3.5754% | 5,969 |
| Tier 1 risk-based capital ratio | 6.4425% | 5,958 |
| Total risk-based capital ratio | 7.6937% | 5,959 |
| Memoranda: | ||
| Average total assets | $251,398,000 | 2,501 |
| Average earning assets | $231,574,000 | 2,513 |
| Average equity | $9,110,250 | 4,786 |
| Average total loans | $154,865,250 | 2,582 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0341% | 3,123 |
| Cost of funding earning assets | 0.5153% | 1,978 |
| Net interest margin | 3.5188% | 3,422 |
| Noninterest income to average assets | 0.3068% | 4,595 |
| Noninterest expense to average assets | 3.4576% | 1,251 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.0903% | 5,678 |
| Return on assets (ROA) | 0.0903% | 5,723 |
| Pretax return on assets | 0.0903% | 5,735 |
| Return on Equity (ROE) | 2.5012% | 5,381 |
| Retained earnings to average equity (ytd only) | 2.5012% | 4,292 |
| Net charge-offs to loans | 0.4603% | 485 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 0.3174% | 3,529 |
| Efficiency ratio | 97.4550% | 302 |
| Assets per employee ($millions) | 3.9454% | 4,005 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2632% | 2,995 |
| Loan loss allowance to noncurrent loans | 70.4901% | 4,347 |
| Noncurrent assets plus other real estate owned to assets | 2.4106% | 594 |
| Noncurrent loans to loans | 1.7920% | 1,156 |
| Net loans and leases to total assets | 61.4478% | 3,691 |
| Net loans and leases to deposits | 67.6187% | 4,216 |
| Net loans and leases to core deposits | 72.8957% | 4,096 |
| Total domestic deposits to total assets | 90.8739% | 216 |
| Equity capital to assets | 3.7512% | 6,042 |
| Core capital (leverage) ratio | 3.6626% | 6,042 |
| Tier 1 risk-based capital ratio | 6.2319% | 6,037 |
| Total risk-based capital ratio | 7.4828% | 6,037 |
| Memoranda: | ||
| Average total assets | $250,290,670 | 2,528 |
| Average earning assets | $230,535,000 | 2,532 |
| Average equity | $9,035,670 | 4,836 |
| Average total loans | $154,669,670 | 2,593 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0557% | 3,012 |
| Cost of funding earning assets | 0.5196% | 1,945 |
| Net interest margin | 3.5361% | 3,334 |
| Noninterest income to average assets | 0.2135% | 5,209 |
| Noninterest expense to average assets | 3.2683% | 1,671 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.2007% | 5,523 |
| Return on assets (ROA) | 0.2007% | 5,587 |
| Pretax return on assets | 0.2007% | 5,643 |
| Return on Equity (ROE) | 5.6705% | 4,145 |
| Retained earnings to average equity (ytd only) | 5.6705% | 2,545 |
| Net charge-offs to loans | 0.6335% | 346 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 0.5144% | 2,925 |
| Efficiency ratio | 94.2156% | 438 |
| Assets per employee ($millions) | 3.9544% | 4,033 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3616% | 2,597 |
| Loan loss allowance to noncurrent loans | 71.5211% | 4,284 |
| Noncurrent assets plus other real estate owned to assets | 2.3063% | 685 |
| Noncurrent loans to loans | 1.9037% | 1,151 |
| Net loans and leases to total assets | 60.0259% | 3,767 |
| Net loans and leases to deposits | 66.1048% | 4,243 |
| Net loans and leases to core deposits | 71.8945% | 4,067 |
| Total domestic deposits to total assets | 90.8042% | 326 |
| Equity capital to assets | 3.6936% | 6,101 |
| Core capital (leverage) ratio | 3.6454% | 6,102 |
| Tier 1 risk-based capital ratio | 6.5988% | 6,096 |
| Total risk-based capital ratio | 7.8520% | 6,095 |
| Memoranda: | ||
| Average total assets | $249,182,500 | 2,547 |
| Average earning assets | $229,404,500 | 2,554 |
| Average equity | $8,817,500 | 4,902 |
| Average total loans | $153,432,000 | 2,601 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0942% | 2,942 |
| Cost of funding earning assets | 0.5304% | 1,922 |
| Net interest margin | 3.5638% | 3,267 |
| Noninterest income to average assets | 0.3899% | 4,109 |
| Noninterest expense to average assets | 3.7527% | 917 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | -0.1077% | 5,927 |
| Return on assets (ROA) | -0.0917% | 5,938 |
| Pretax return on assets | -0.0917% | 5,927 |
| Return on Equity (ROE) | -2.7193% | 6,001 |
| Retained earnings to average equity (ytd only) | -2.7193% | 5,800 |
| Net charge-offs to loans | 0.2570% | 1,176 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | -0.6888% | 4,317 |
| Efficiency ratio | 102.9534% | 232 |
| Assets per employee ($millions) | 3.8325% | 4,238 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5309% | 1,861 |
| Loan loss allowance to noncurrent loans | 61.7740% | 4,595 |
| Noncurrent assets plus other real estate owned to assets | 2.7299% | 531 |
| Noncurrent loans to loans | 2.4782% | 746 |
| Net loans and leases to total assets | 61.3627% | 3,641 |
| Net loans and leases to deposits | 67.4200% | 4,181 |
| Net loans and leases to core deposits | 75.0169% | 3,847 |
| Total domestic deposits to total assets | 91.0156% | 275 |
| Equity capital to assets | 3.3786% | 6,162 |
| Core capital (leverage) ratio | 3.6122% | 6,161 |
| Tier 1 risk-based capital ratio | 6.0926% | 6,158 |
| Total risk-based capital ratio | 7.3468% | 6,157 |
| Memoranda: | ||
| Average total assets | $250,805,200 | 2,498 |
| Average earning assets | $229,082,200 | 2,516 |
| Average equity | $8,458,200 | 4,968 |
| Average total loans | $152,512,200 | 2,563 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8905% | 3,765 |
| Cost of funding earning assets | 0.5292% | 1,966 |
| Net interest margin | 3.3613% | 4,101 |
| Noninterest income to average assets | 0.3484% | 4,446 |
| Noninterest expense to average assets | 3.8188% | 831 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | -0.4045% | 6,118 |
| Return on assets (ROA) | -0.3833% | 6,120 |
| Pretax return on assets | -0.3833% | 6,109 |
| Return on Equity (ROE) | -11.3709% | 6,194 |
| Retained earnings to average equity (ytd only) | -11.3709% | 6,146 |
| Net charge-offs to loans | 0.2712% | 984 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | -2.4677% | 4,087 |
| Efficiency ratio | 111.8458% | 133 |
| Assets per employee ($millions) | 3.8445% | 4,188 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5865% | 1,837 |
| Loan loss allowance to noncurrent loans | 42.5483% | 5,154 |
| Noncurrent assets plus other real estate owned to assets | 4.0073% | 297 |
| Noncurrent loans to loans | 3.7286% | 385 |
| Net loans and leases to total assets | 61.0381% | 3,727 |
| Net loans and leases to deposits | 66.9781% | 4,285 |
| Net loans and leases to core deposits | 75.6056% | 3,840 |
| Total domestic deposits to total assets | 91.1314% | 219 |
| Equity capital to assets | 3.3034% | 6,251 |
| Core capital (leverage) ratio | 3.4820% | 6,248 |
| Tier 1 risk-based capital ratio | 5.8766% | 6,246 |
| Total risk-based capital ratio | 7.1320% | 6,247 |
| Memoranda: | ||
| Average total assets | $252,186,250 | 2,510 |
| Average earning assets | $230,025,000 | 2,527 |
| Average equity | $8,501,000 | 5,019 |
| Average total loans | $152,427,500 | 2,572 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8544% | 3,849 |
| Cost of funding earning assets | 0.5176% | 2,088 |
| Net interest margin | 3.3367% | 4,152 |
| Noninterest income to average assets | 0.3878% | 4,169 |
| Noninterest expense to average assets | 3.7729% | 903 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | -0.3375% | 6,143 |
| Return on assets (ROA) | -0.3060% | 6,152 |
| Pretax return on assets | -0.3060% | 6,142 |
| Return on Equity (ROE) | -9.0199% | 6,251 |
| Retained earnings to average equity (ytd only) | -9.0199% | 6,157 |
| Net charge-offs to loans | 0.3098% | 853 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | -1.8178% | 3,784 |
| Efficiency ratio | 109.8237% | 176 |
| Assets per employee ($millions) | 3.7909% | 4,268 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6431% | 1,776 |
| Loan loss allowance to noncurrent loans | 49.2696% | 5,018 |
| Noncurrent assets plus other real estate owned to assets | 3.7337% | 369 |
| Noncurrent loans to loans | 3.3348% | 544 |
| Net loans and leases to total assets | 60.6377% | 3,734 |
| Net loans and leases to deposits | 66.5964% | 4,282 |
| Net loans and leases to core deposits | 76.1991% | 3,748 |
| Total domestic deposits to total assets | 91.0526% | 283 |
| Equity capital to assets | 3.2580% | 6,327 |
| Core capital (leverage) ratio | 3.6159% | 6,324 |
| Tier 1 risk-based capital ratio | 6.2123% | 6,320 |
| Total risk-based capital ratio | 7.4680% | 6,319 |
| Memoranda: | ||
| Average total assets | $254,232,330 | 2,507 |
| Average earning assets | $232,204,670 | 2,526 |
| Average equity | $8,625,330 | 5,034 |
| Average total loans | $152,368,670 | 2,588 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8129% | 3,958 |
| Cost of funding earning assets | 0.5139% | 2,165 |
| Net interest margin | 3.2990% | 4,223 |
| Noninterest income to average assets | 0.4478% | 3,645 |
| Noninterest expense to average assets | 3.5902% | 1,149 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -0.1286% | 6,117 |
| Return on assets (ROA) | -0.0666% | 6,107 |
| Pretax return on assets | -0.0666% | 6,095 |
| Return on Equity (ROE) | -1.9274% | 6,170 |
| Retained earnings to average equity (ytd only) | -1.9274% | 5,682 |
| Net charge-offs to loans | 0.2779% | 867 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | -0.7830% | 3,161 |
| Efficiency ratio | 103.7153% | 275 |
| Assets per employee ($millions) | 3.8558% | 4,237 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7259% | 1,672 |
| Loan loss allowance to noncurrent loans | 56.3761% | 4,830 |
| Noncurrent assets plus other real estate owned to assets | 3.6800% | 432 |
| Noncurrent loans to loans | 3.0614% | 694 |
| Net loans and leases to total assets | 58.7573% | 3,836 |
| Net loans and leases to deposits | 64.6643% | 4,299 |
| Net loans and leases to core deposits | 74.2577% | 3,756 |
| Total domestic deposits to total assets | 90.8651% | 412 |
| Equity capital to assets | 3.5566% | 6,395 |
| Core capital (leverage) ratio | 3.6542% | 6,397 |
| Tier 1 risk-based capital ratio | 5.6124% | 6,393 |
| Total risk-based capital ratio | 6.8659% | 6,393 |
| Memoranda: | ||
| Average total assets | $258,145,500 | 2,484 |
| Average earning assets | $235,829,000 | 2,508 |
| Average equity | $8,924,000 | 5,010 |
| Average total loans | $152,597,500 | 2,589 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9792% | 3,797 |
| Cost of funding earning assets | 0.5084% | 2,582 |
| Net interest margin | 3.4708% | 3,896 |
| Noninterest income to average assets | 0.6449% | 2,586 |
| Noninterest expense to average assets | 3.6079% | 1,291 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.1988% | 5,767 |
| Return on assets (ROA) | 0.1426% | 5,938 |
| Pretax return on assets | 0.1426% | 5,949 |
| Return on Equity (ROE) | 5.1215% | 4,598 |
| Retained earnings to average equity (ytd only) | 5.1215% | 2,512 |
| Net charge-offs to loans | 0.1766% | 2,261 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 1.8655% | 4,318 |
| Efficiency ratio | 94.7770% | 558 |
| Assets per employee ($millions) | 3.9071% | 4,151 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7894% | 1,560 |
| Loan loss allowance to noncurrent loans | 64.2370% | 4,688 |
| Noncurrent assets plus other real estate owned to assets | 3.8613% | 447 |
| Noncurrent loans to loans | 2.7856% | 853 |
| Net loans and leases to total assets | 57.2807% | 4,159 |
| Net loans and leases to deposits | 62.9869% | 4,636 |
| Net loans and leases to core deposits | 71.7369% | 4,152 |
| Total domestic deposits to total assets | 90.9407% | 389 |
| Equity capital to assets | 3.2899% | 6,489 |
| Core capital (leverage) ratio | 3.6019% | 6,484 |
| Tier 1 risk-based capital ratio | 6.6439% | 6,473 |
| Total risk-based capital ratio | 7.9026% | 6,472 |
| Memoranda: | ||
| Average total assets | $258,018,800 | 2,451 |
| Average earning assets | $235,047,400 | 2,463 |
| Average equity | $7,185,400 | 5,378 |
| Average total loans | $155,749,600 | 2,484 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9716% | 3,870 |
| Cost of funding earning assets | 0.5004% | 2,758 |
| Net interest margin | 3.4712% | 3,936 |
| Noninterest income to average assets | 0.6815% | 2,418 |
| Noninterest expense to average assets | 3.5080% | 1,444 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.3361% | 5,468 |
| Return on assets (ROA) | 0.3060% | 5,636 |
| Pretax return on assets | 0.3060% | 5,761 |
| Return on Equity (ROE) | 11.5197% | 1,621 |
| Retained earnings to average equity (ytd only) | 11.5197% | 456 |
| Net charge-offs to loans | 0.2164% | 1,740 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 2.5512% | 3,887 |
| Efficiency ratio | 91.2574% | 753 |
| Assets per employee ($millions) | 3.7814% | 4,326 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7556% | 1,808 |
| Loan loss allowance to noncurrent loans | 50.1274% | 5,136 |
| Noncurrent assets plus other real estate owned to assets | 4.0636% | 475 |
| Noncurrent loans to loans | 3.5023% | 684 |
| Net loans and leases to total assets | 59.9347% | 3,797 |
| Net loans and leases to deposits | 65.7936% | 4,353 |
| Net loans and leases to core deposits | 75.5101% | 3,804 |
| Total domestic deposits to total assets | 91.0950% | 335 |
| Equity capital to assets | 3.1135% | 6,563 |
| Core capital (leverage) ratio | 3.6690% | 6,559 |
| Tier 1 risk-based capital ratio | 6.4141% | 6,548 |
| Total risk-based capital ratio | 7.6700% | 6,547 |
| Memoranda: | ||
| Average total assets | $257,080,000 | 2,475 |
| Average earning assets | $234,224,500 | 2,495 |
| Average equity | $6,828,750 | 5,508 |
| Average total loans | $156,517,500 | 2,486 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9340% | 3,997 |
| Cost of funding earning assets | 0.4957% | 2,875 |
| Net interest margin | 3.4383% | 4,022 |
| Noninterest income to average assets | 0.7718% | 1,954 |
| Noninterest expense to average assets | 3.5657% | 1,357 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.3307% | 5,463 |
| Return on assets (ROA) | 0.3291% | 5,543 |
| Pretax return on assets | 0.3291% | 5,729 |
| Return on Equity (ROE) | 13.1441% | 1,135 |
| Retained earnings to average equity (ytd only) | 13.1441% | 327 |
| Net charge-offs to loans | 0.3619% | 1,129 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 1.5018% | 3,791 |
| Efficiency ratio | 91.5136% | 796 |
| Assets per employee ($millions) | 3.8201% | 4,218 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7411% | 2,002 |
| Loan loss allowance to noncurrent loans | 47.1525% | 5,265 |
| Noncurrent assets plus other real estate owned to assets | 4.1167% | 501 |
| Noncurrent loans to loans | 3.6924% | 689 |
| Net loans and leases to total assets | 58.3231% | 3,947 |
| Net loans and leases to deposits | 64.0846% | 4,485 |
| Net loans and leases to core deposits | 73.3258% | 3,916 |
| Total domestic deposits to total assets | 91.0094% | 418 |
| Equity capital to assets | 2.8932% | 6,631 |
| Core capital (leverage) ratio | 3.6179% | 6,620 |
| Tier 1 risk-based capital ratio | 6.1543% | 6,612 |
| Total risk-based capital ratio | 7.4109% | 6,611 |
| Memoranda: | ||
| Average total assets | $257,061,670 | 2,482 |
| Average earning assets | $233,607,000 | 2,507 |
| Average equity | $6,436,330 | 5,623 |
| Average total loans | $156,401,000 | 2,489 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9497% | 3,897 |
| Cost of funding earning assets | 0.4935% | 2,975 |
| Net interest margin | 3.4562% | 3,874 |
| Noninterest income to average assets | 0.6430% | 2,499 |
| Noninterest expense to average assets | 3.6233% | 1,267 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.1875% | 5,834 |
| Return on assets (ROA) | 0.2191% | 5,798 |
| Pretax return on assets | 0.2191% | 5,889 |
| Return on Equity (ROE) | 9.5181% | 2,243 |
| Retained earnings to average equity (ytd only) | 9.5181% | 1,100 |
| Net charge-offs to loans | 0.4528% | 801 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 0.6723% | 3,283 |
| Efficiency ratio | 95.0786% | 693 |
| Assets per employee ($millions) | 3.8049% | 4,315 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7936% | 2,063 |
| Loan loss allowance to noncurrent loans | 44.2326% | 5,423 |
| Noncurrent assets plus other real estate owned to assets | 4.4723% | 491 |
| Noncurrent loans to loans | 4.0550% | 660 |
| Net loans and leases to total assets | 60.7821% | 3,431 |
| Net loans and leases to deposits | 66.6240% | 4,010 |
| Net loans and leases to core deposits | 76.1455% | 3,394 |
| Total domestic deposits to total assets | 91.2316% | 473 |
| Equity capital to assets | 2.5235% | 6,702 |
| Core capital (leverage) ratio | 3.4866% | 6,689 |
| Tier 1 risk-based capital ratio | 6.1002% | 6,675 |
| Total risk-based capital ratio | 7.3586% | 6,675 |
| Memoranda: | ||
| Average total assets | $253,799,000 | 2,518 |
| Average earning assets | $232,627,500 | 2,520 |
| Average equity | $5,841,500 | 5,787 |
| Average total loans | $156,373,500 | 2,502 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1444% | 3,562 |
| Cost of funding earning assets | 0.5007% | 3,603 |
| Net interest margin | 3.6436% | 3,269 |
| Noninterest income to average assets | 0.4016% | 4,432 |
| Noninterest expense to average assets | 3.7357% | 1,233 |
| Loan and lease loss provision to assets | 0.0564% | 4,020 |
| Net operating income to assets | -0.0818% | 6,285 |
| Return on assets (ROA) | -0.1937% | 6,370 |
| Pretax return on assets | -0.1937% | 6,348 |
| Return on Equity (ROE) | -6.4548% | 6,522 |
| Retained earnings to average equity (ytd only) | -6.4548% | 6,433 |
| Net charge-offs to loans | 0.8085% | 772 |
| Credit loss provision to net charge-offs | 11.4379% | 4,569 |
| Earnings coverage of net charge-offs (x) | -0.0515% | 5,102 |
| Efficiency ratio | 100.6839% | 460 |
| Assets per employee ($millions) | 3.9480% | 3,972 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9404% | 1,683 |
| Loan loss allowance to noncurrent loans | 56.5013% | 4,989 |
| Noncurrent assets plus other real estate owned to assets | 4.2466% | 607 |
| Noncurrent loans to loans | 3.4343% | 928 |
| Net loans and leases to total assets | 60.1414% | 3,688 |
| Net loans and leases to deposits | 65.5851% | 4,345 |
| Net loans and leases to core deposits | 74.4533% | 3,787 |
| Total domestic deposits to total assets | 91.6999% | 355 |
| Equity capital to assets | 2.0778% | 6,789 |
| Core capital (leverage) ratio | 3.4566% | 6,764 |
| Tier 1 risk-based capital ratio | 6.0156% | 6,753 |
| Total risk-based capital ratio | 7.2756% | 6,754 |
| Memoranda: | ||
| Average total assets | $248,281,800 | 2,544 |
| Average earning assets | $225,463,200 | 2,564 |
| Average equity | $7,451,800 | 5,467 |
| Average total loans | $151,385,400 | 2,542 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1645% | 3,514 |
| Cost of funding earning assets | 0.4998% | 3,766 |
| Net interest margin | 3.6646% | 3,175 |
| Noninterest income to average assets | 0.3420% | 4,955 |
| Noninterest expense to average assets | 3.7353% | 1,192 |
| Loan and lease loss provision to assets | 0.0755% | 3,549 |
| Net operating income to assets | -0.1467% | 6,429 |
| Return on assets (ROA) | -0.1473% | 6,458 |
| Pretax return on assets | -0.1473% | 6,437 |
| Return on Equity (ROE) | -4.5486% | 6,589 |
| Retained earnings to average equity (ytd only) | -4.5486% | 6,473 |
| Net charge-offs to loans | 0.7168% | 832 |
| Credit loss provision to net charge-offs | 17.3053% | 4,111 |
| Earnings coverage of net charge-offs (x) | -0.1632% | 4,905 |
| Efficiency ratio | 101.9432% | 407 |
| Assets per employee ($millions) | 3.9909% | 3,843 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2437% | 1,261 |
| Loan loss allowance to noncurrent loans | 52.9394% | 5,104 |
| Noncurrent assets plus other real estate owned to assets | 4.9064% | 576 |
| Noncurrent loans to loans | 4.2382% | 809 |
| Net loans and leases to total assets | 59.2996% | 3,808 |
| Net loans and leases to deposits | 64.8661% | 4,424 |
| Net loans and leases to core deposits | 73.7516% | 3,880 |
| Total domestic deposits to total assets | 91.4185% | 388 |
| Equity capital to assets | 2.3363% | 6,867 |
| Core capital (leverage) ratio | 3.6521% | 6,836 |
| Tier 1 risk-based capital ratio | 6.3055% | 6,817 |
| Total risk-based capital ratio | 7.5693% | 6,818 |
| Memoranda: | ||
| Average total assets | $247,184,500 | 2,570 |
| Average earning assets | $224,081,500 | 2,587 |
| Average equity | $8,002,250 | 5,389 |
| Average total loans | $150,490,000 | 2,562 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2629% | 3,105 |
| Cost of funding earning assets | 0.5014% | 3,883 |
| Net interest margin | 3.7615% | 2,715 |
| Noninterest income to average assets | 0.3874% | 4,617 |
| Noninterest expense to average assets | 3.7612% | 1,154 |
| Loan and lease loss provision to assets | 0.1139% | 2,912 |
| Net operating income to assets | -0.0871% | 6,396 |
| Return on assets (ROA) | -0.0879% | 6,447 |
| Pretax return on assets | -0.0879% | 6,425 |
| Return on Equity (ROE) | -2.4794% | 6,549 |
| Retained earnings to average equity (ytd only) | -2.4794% | 6,246 |
| Net charge-offs to loans | 1.1214% | 528 |
| Credit loss provision to net charge-offs | 16.6667% | 3,799 |
| Earnings coverage of net charge-offs (x) | 0.0393% | 4,534 |
| Efficiency ratio | 99.2911% | 513 |
| Assets per employee ($millions) | 3.7861% | 4,245 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2321% | 1,361 |
| Loan loss allowance to noncurrent loans | 60.6836% | 4,766 |
| Noncurrent assets plus other real estate owned to assets | 4.6900% | 682 |
| Noncurrent loans to loans | 3.6782% | 1,111 |
| Net loans and leases to total assets | 60.3543% | 3,597 |
| Net loans and leases to deposits | 66.4296% | 4,214 |
| Net loans and leases to core deposits | 75.6933% | 3,579 |
| Total domestic deposits to total assets | 90.8544% | 599 |
| Equity capital to assets | 2.9915% | 6,899 |
| Core capital (leverage) ratio | 3.8199% | 6,880 |
| Tier 1 risk-based capital ratio | 6.3840% | 6,860 |
| Total risk-based capital ratio | 7.6471% | 6,862 |
| Memoranda: | ||
| Average total assets | $245,771,000 | 2,590 |
| Average earning assets | $222,196,000 | 2,616 |
| Average equity | $8,711,670 | 5,242 |
| Average total loans | $149,814,670 | 2,575 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2766% | 3,002 |
| Cost of funding earning assets | 0.5199% | 3,886 |
| Net interest margin | 3.7567% | 2,623 |
| Noninterest income to average assets | 0.3306% | 5,055 |
| Noninterest expense to average assets | 3.7458% | 1,178 |
| Loan and lease loss provision to assets | 0.2280% | 1,611 |
| Net operating income to assets | -0.2541% | 6,549 |
| Return on assets (ROA) | -0.2541% | 6,582 |
| Pretax return on assets | -0.2541% | 6,573 |
| Return on Equity (ROE) | -6.6478% | 6,734 |
| Retained earnings to average equity (ytd only) | -6.6478% | 6,451 |
| Net charge-offs to loans | 0.2044% | 2,194 |
| Credit loss provision to net charge-offs | 184.2105% | 1,168 |
| Earnings coverage of net charge-offs (x) | -0.2105% | 3,873 |
| Efficiency ratio | 100.7005% | 522 |
| Assets per employee ($millions) | 3.7657% | 4,419 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7766% | 840 |
| Loan loss allowance to noncurrent loans | 64.6190% | 4,533 |
| Noncurrent assets plus other real estate owned to assets | 5.5367% | 619 |
| Noncurrent loans to loans | 4.2969% | 1,001 |
| Net loans and leases to total assets | 59.4387% | 3,526 |
| Net loans and leases to deposits | 66.5741% | 3,974 |
| Net loans and leases to core deposits | 75.8472% | 3,347 |
| Total domestic deposits to total assets | 89.2821% | 1,500 |
| Equity capital to assets | 3.8020% | 6,945 |
| Core capital (leverage) ratio | 3.8555% | 6,941 |
| Tier 1 risk-based capital ratio | 6.7172% | 6,909 |
| Total risk-based capital ratio | 7.9872% | 6,912 |
| Memoranda: | ||
| Average total assets | $245,608,000 | 2,626 |
| Average earning assets | $221,577,500 | 2,656 |
| Average equity | $9,386,500 | 5,140 |
| Average total loans | $148,761,500 | 2,600 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0730% | 1,372 |
| Cost of funding earning assets | 0.7123% | 3,390 |
| Net interest margin | 4.3606% | 1,251 |
| Noninterest income to average assets | 0.3482% | 4,981 |
| Noninterest expense to average assets | 3.7891% | 1,272 |
| Loan and lease loss provision to assets | 0.2214% | 2,918 |
| Net operating income to assets | 0.2643% | 5,590 |
| Return on assets (ROA) | 0.2698% | 5,788 |
| Pretax return on assets | 0.2698% | 5,880 |
| Return on Equity (ROE) | 7.5381% | 3,317 |
| Retained earnings to average equity (ytd only) | 7.5381% | 1,317 |
| Net charge-offs to loans | 0.5615% | 2,052 |
| Credit loss provision to net charge-offs | 61.8996% | 4,397 |
| Earnings coverage of net charge-offs (x) | 1.3581% | 4,776 |
| Efficiency ratio | 88.6393% | 1,182 |
| Assets per employee ($millions) | 3.9119% | 4,123 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7664% | 857 |
| Loan loss allowance to noncurrent loans | 59.1270% | 4,695 |
| Noncurrent assets plus other real estate owned to assets | 6.0500% | 569 |
| Noncurrent loans to loans | 4.6788% | 890 |
| Net loans and leases to total assets | 58.3450% | 3,913 |
| Net loans and leases to deposits | 65.9987% | 4,284 |
| Net loans and leases to core deposits | 76.0315% | 3,527 |
| Total domestic deposits to total assets | 88.4032% | 1,963 |
| Equity capital to assets | 3.8414% | 7,009 |
| Core capital (leverage) ratio | 3.8742% | 6,999 |
| Tier 1 risk-based capital ratio | 6.6306% | 6,969 |
| Total risk-based capital ratio | 7.8984% | 6,970 |
| Memoranda: | ||
| Average total assets | $256,155,200 | 2,477 |
| Average earning assets | $230,654,400 | 2,500 |
| Average equity | $9,166,800 | 5,182 |
| Average total loans | $163,140,200 | 2,383 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2211% | 1,151 |
| Cost of funding earning assets | 0.8352% | 2,667 |
| Net interest margin | 4.3860% | 1,238 |
| Noninterest income to average assets | 0.4780% | 4,075 |
| Noninterest expense to average assets | 3.8641% | 1,112 |
| Loan and lease loss provision to assets | 0.1934% | 3,164 |
| Net operating income to assets | 0.3712% | 5,367 |
| Return on assets (ROA) | 0.3893% | 5,505 |
| Pretax return on assets | 0.3893% | 5,741 |
| Return on Equity (ROE) | 11.0720% | 1,930 |
| Retained earnings to average equity (ytd only) | 11.0720% | 670 |
| Net charge-offs to loans | 0.5239% | 2,042 |
| Credit loss provision to net charge-offs | 57.1646% | 4,229 |
| Earnings coverage of net charge-offs (x) | 1.6692% | 4,439 |
| Efficiency ratio | 87.2511% | 1,278 |
| Assets per employee ($millions) | 4.0128% | 3,845 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6505% | 1,031 |
| Loan loss allowance to noncurrent loans | 47.2614% | 5,272 |
| Noncurrent assets plus other real estate owned to assets | 6.5817% | 565 |
| Noncurrent loans to loans | 5.6082% | 758 |
| Net loans and leases to total assets | 60.4232% | 3,689 |
| Net loans and leases to deposits | 67.5619% | 4,248 |
| Net loans and leases to core deposits | 77.5248% | 3,531 |
| Total domestic deposits to total assets | 89.4338% | 1,168 |
| Equity capital to assets | 3.7966% | 7,108 |
| Core capital (leverage) ratio | 3.8087% | 7,100 |
| Tier 1 risk-based capital ratio | 6.5387% | 7,069 |
| Total risk-based capital ratio | 7.8077% | 7,069 |
| Memoranda: | ||
| Average total assets | $258,582,000 | 2,475 |
| Average earning assets | $232,919,500 | 2,499 |
| Average equity | $9,091,750 | 5,243 |
| Average total loans | $166,955,000 | 2,372 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0323% | 1,704 |
| Cost of funding earning assets | 0.9205% | 2,258 |
| Net interest margin | 4.1118% | 2,041 |
| Noninterest income to average assets | 0.5505% | 3,581 |
| Noninterest expense to average assets | 3.8632% | 1,128 |
| Loan and lease loss provision to assets | 0.2879% | 2,279 |
| Net operating income to assets | 0.0998% | 6,158 |
| Return on assets (ROA) | 0.1144% | 6,288 |
| Pretax return on assets | 0.1144% | 6,300 |
| Return on Equity (ROE) | 3.3397% | 5,548 |
| Retained earnings to average equity (ytd only) | 3.3397% | 4,379 |
| Net charge-offs to loans | 0.6459% | 1,703 |
| Credit loss provision to net charge-offs | 68.1818% | 3,609 |
| Earnings coverage of net charge-offs (x) | 0.9182% | 4,578 |
| Efficiency ratio | 90.8795% | 1,010 |
| Assets per employee ($millions) | 4.1110% | 3,642 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5647% | 1,186 |
| Loan loss allowance to noncurrent loans | 47.7925% | 5,243 |
| Noncurrent assets plus other real estate owned to assets | 6.2554% | 670 |
| Noncurrent loans to loans | 5.3664% | 874 |
| Net loans and leases to total assets | 62.5616% | 3,323 |
| Net loans and leases to deposits | 73.4859% | 3,383 |
| Net loans and leases to core deposits | 82.6219% | 2,878 |
| Total domestic deposits to total assets | 85.1342% | 3,800 |
| Equity capital to assets | 3.4947% | 7,162 |
| Core capital (leverage) ratio | 3.5510% | 7,150 |
| Tier 1 risk-based capital ratio | 5.6456% | 7,138 |
| Total risk-based capital ratio | 6.9092% | 7,139 |
| Memoranda: | ||
| Average total assets | $260,507,000 | 2,456 |
| Average earning assets | $234,447,000 | 2,480 |
| Average equity | $8,923,000 | 5,288 |
| Average total loans | $170,302,330 | 2,345 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8817% | 2,314 |
| Cost of funding earning assets | 1.0240% | 1,844 |
| Net interest margin | 3.8577% | 3,105 |
| Noninterest income to average assets | 0.6706% | 2,812 |
| Noninterest expense to average assets | 3.8658% | 1,109 |
| Loan and lease loss provision to assets | 0.5282% | 1,135 |
| Net operating income to assets | -0.2511% | 6,675 |
| Return on assets (ROA) | -0.2771% | 6,732 |
| Pretax return on assets | -0.2771% | 6,716 |
| Return on Equity (ROE) | -8.1725% | 6,954 |
| Retained earnings to average equity (ytd only) | -8.1725% | 6,770 |
| Net charge-offs to loans | 0.1695% | 3,073 |
| Credit loss provision to net charge-offs | 472.6027% | 679 |
| Earnings coverage of net charge-offs (x) | 2.4795% | 3,179 |
| Efficiency ratio | 93.3112% | 863 |
| Assets per employee ($millions) | 3.8463% | 4,329 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7599% | 1,044 |
| Loan loss allowance to noncurrent loans | 43.5530% | 5,432 |
| Noncurrent assets plus other real estate owned to assets | 6.4543% | 703 |
| Noncurrent loans to loans | 6.3369% | 758 |
| Net loans and leases to total assets | 63.4758% | 2,956 |
| Net loans and leases to deposits | 74.4527% | 3,057 |
| Net loans and leases to core deposits | 81.0481% | 2,943 |
| Total domestic deposits to total assets | 85.2566% | 3,902 |
| Equity capital to assets | 3.3562% | 7,220 |
| Core capital (leverage) ratio | 3.3895% | 7,215 |
| Tier 1 risk-based capital ratio | 5.3540% | 7,198 |
| Total risk-based capital ratio | 6.6236% | 7,200 |
| Memoranda: | ||
| Average total assets | $261,265,000 | 2,469 |
| Average earning assets | $235,163,500 | 2,489 |
| Average equity | $8,859,000 | 5,324 |
| Average total loans | $172,306,500 | 2,340 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0240% | 2,781 |
| Cost of funding earning assets | 1.3350% | 1,317 |
| Net interest margin | 3.6890% | 4,347 |
| Noninterest income to average assets | 0.5631% | 3,404 |
| Noninterest expense to average assets | 4.0883% | 924 |
| Loan and lease loss provision to assets | 0.7463% | 1,356 |
| Net operating income to assets | -1.1189% | 6,793 |
| Return on assets (ROA) | -1.0964% | 6,809 |
| Pretax return on assets | -1.1289% | 6,783 |
| Return on Equity (ROE) | -27.7944% | 7,074 |
| Retained earnings to average equity (ytd only) | -27.7944% | 7,066 |
| Net charge-offs to loans | 0.3078% | 3,860 |
| Credit loss provision to net charge-offs | 372.2426% | 628 |
| Earnings coverage of net charge-offs (x) | -2.0239% | 6,280 |
| Efficiency ratio | 111.0188% | 417 |
| Assets per employee ($millions) | 3.6758% | 4,602 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5535% | 1,243 |
| Loan loss allowance to noncurrent loans | 38.4249% | 5,702 |
| Noncurrent assets plus other real estate owned to assets | 6.3698% | 747 |
| Noncurrent loans to loans | 6.6453% | 694 |
| Net loans and leases to total assets | 64.9245% | 3,002 |
| Net loans and leases to deposits | 76.1188% | 3,161 |
| Net loans and leases to core deposits | 83.2839% | 2,984 |
| Total domestic deposits to total assets | 85.2937% | 3,694 |
| Equity capital to assets | 3.4255% | 7,257 |
| Core capital (leverage) ratio | 3.4538% | 7,238 |
| Tier 1 risk-based capital ratio | 5.4736% | 7,224 |
| Total risk-based capital ratio | 6.7427% | 7,225 |
| Memoranda: | ||
| Average total assets | $271,336,000 | 2,330 |
| Average earning assets | $229,438,800 | 2,513 |
| Average equity | $10,703,600 | 4,857 |
| Average total loans | $176,721,800 | 2,299 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2841% | 1,926 |
| Cost of funding earning assets | 1.3987% | 1,236 |
| Net interest margin | 3.8854% | 3,455 |
| Noninterest income to average assets | 0.5471% | 3,532 |
| Noninterest expense to average assets | 3.8530% | 1,227 |
| Loan and lease loss provision to assets | 0.5452% | 1,804 |
| Net operating income to assets | -0.5665% | 6,675 |
| Return on assets (ROA) | -0.5383% | 6,701 |
| Pretax return on assets | -0.5821% | 6,668 |
| Return on Equity (ROE) | -13.2319% | 6,975 |
| Retained earnings to average equity (ytd only) | -13.2319% | 6,951 |
| Net charge-offs to loans | 0.3043% | 3,569 |
| Credit loss provision to net charge-offs | 276.5432% | 1,036 |
| Earnings coverage of net charge-offs (x) | -0.3432% | 5,782 |
| Efficiency ratio | 101.7873% | 610 |
| Assets per employee ($millions) | 3.6331% | 4,674 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2168% | 1,826 |
| Loan loss allowance to noncurrent loans | 41.6129% | 5,527 |
| Noncurrent assets plus other real estate owned to assets | 5.3321% | 1,061 |
| Noncurrent loans to loans | 5.3271% | 1,133 |
| Net loans and leases to total assets | 62.8284% | 3,541 |
| Net loans and leases to deposits | 76.6815% | 3,214 |
| Net loans and leases to core deposits | 81.5449% | 3,398 |
| Total domestic deposits to total assets | 81.9343% | 5,117 |
| Equity capital to assets | 4.1683% | 7,315 |
| Core capital (leverage) ratio | 4.1881% | 7,286 |
| Tier 1 risk-based capital ratio | 7.0915% | 7,239 |
| Total risk-based capital ratio | 8.3562% | 7,239 |
| Memoranda: | ||
| Average total assets | $273,924,250 | 2,327 |
| Average earning assets | $228,302,750 | 2,533 |
| Average equity | $11,144,500 | 4,769 |
| Average total loans | $177,431,750 | 2,297 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2312% | 2,137 |
| Cost of funding earning assets | 1.4450% | 1,210 |
| Net interest margin | 3.7862% | 3,856 |
| Noninterest income to average assets | 0.4620% | 4,172 |
| Noninterest expense to average assets | 3.8181% | 1,321 |
| Loan and lease loss provision to assets | 0.5551% | 1,741 |
| Net operating income to assets | -0.6617% | 6,798 |
| Return on assets (ROA) | -0.6389% | 6,790 |
| Pretax return on assets | -0.7033% | 6,773 |
| Return on Equity (ROE) | -15.8222% | 7,081 |
| Retained earnings to average equity (ytd only) | -15.8222% | 7,056 |
| Net charge-offs to loans | -0.0309% | 6,926 |
| Credit loss provision to net charge-offs | -2,767.8571% | 6,714 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.7554% | 594 |
| Assets per employee ($millions) | 3.5967% | 4,697 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2127% | 1,896 |
| Loan loss allowance to noncurrent loans | 34.2218% | 6,030 |
| Noncurrent assets plus other real estate owned to assets | 5.6054% | 1,042 |
| Noncurrent loans to loans | 6.4657% | 865 |
| Net loans and leases to total assets | 64.2013% | 3,420 |
| Net loans and leases to deposits | 78.3490% | 3,068 |
| Net loans and leases to core deposits | 84.6636% | 3,117 |
| Total domestic deposits to total assets | 81.9427% | 5,189 |
| Equity capital to assets | 4.2222% | 7,374 |
| Core capital (leverage) ratio | 4.0243% | 7,371 |
| Tier 1 risk-based capital ratio | 7.3000% | 7,294 |
| Total risk-based capital ratio | 8.5650% | 7,296 |
| Memoranda: | ||
| Average total assets | $279,250,000 | 2,300 |
| Average earning assets | $234,747,000 | 2,478 |
| Average equity | $11,275,330 | 4,745 |
| Average total loans | $181,329,670 | 2,263 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4624% | 1,399 |
| Cost of funding earning assets | 1.4153% | 1,537 |
| Net interest margin | 4.0471% | 2,482 |
| Noninterest income to average assets | 0.5556% | 3,468 |
| Noninterest expense to average assets | 4.0319% | 1,000 |
| Loan and lease loss provision to assets | 0.7948% | 1,067 |
| Net operating income to assets | -0.7658% | 6,943 |
| Return on assets (ROA) | -0.7699% | 6,953 |
| Pretax return on assets | -0.7851% | 6,911 |
| Return on Equity (ROE) | -19.4653% | 7,215 |
| Retained earnings to average equity (ytd only) | -19.4653% | 7,147 |
| Net charge-offs to loans | 0.0599% | 4,329 |
| Credit loss provision to net charge-offs | 2,053.5714% | 192 |
| Earnings coverage of net charge-offs (x) | 0.3571% | 4,346 |
| Efficiency ratio | 99.6584% | 760 |
| Assets per employee ($millions) | 3.8747% | 4,127 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9650% | 2,502 |
| Loan loss allowance to noncurrent loans | 28.2856% | 6,392 |
| Noncurrent assets plus other real estate owned to assets | 6.0088% | 963 |
| Noncurrent loans to loans | 6.9469% | 803 |
| Net loans and leases to total assets | 62.7010% | 3,719 |
| Net loans and leases to deposits | 76.8261% | 3,280 |
| Net loans and leases to core deposits | 83.5606% | 3,226 |
| Total domestic deposits to total assets | 81.6141% | 5,454 |
| Equity capital to assets | 4.0057% | 7,441 |
| Core capital (leverage) ratio | 3.8277% | 7,450 |
| Tier 1 risk-based capital ratio | 6.8949% | 7,375 |
| Total risk-based capital ratio | 8.1517% | 7,378 |
| Memoranda: | ||
| Average total assets | $289,392,500 | 2,234 |
| Average earning assets | $249,561,500 | 2,352 |
| Average equity | $11,446,000 | 4,686 |
| Average total loans | $186,984,000 | 2,222 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7767% | 1,341 |
| Cost of funding earning assets | 1.6837% | 1,666 |
| Net interest margin | 4.0930% | 2,596 |
| Noninterest income to average assets | 0.5139% | 4,063 |
| Noninterest expense to average assets | 4.0841% | 1,044 |
| Loan and lease loss provision to assets | 2.1143% | 604 |
| Net operating income to assets | -2.0585% | 7,074 |
| Return on assets (ROA) | -2.2310% | 7,134 |
| Pretax return on assets | -2.2310% | 7,096 |
| Return on Equity (ROE) | -42.8902% | 7,376 |
| Retained earnings to average equity (ytd only) | -44.9267% | 7,384 |
| Net charge-offs to loans | 2.1980% | 891 |
| Credit loss provision to net charge-offs | 127.3002% | 3,161 |
| Earnings coverage of net charge-offs (x) | 0.0336% | 6,086 |
| Efficiency ratio | 98.6515% | 846 |
| Assets per employee ($millions) | 3.7014% | 4,457 |
| Cash dividends to net income (ytd only)* | -4.7482% | 7,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5132% | 3,932 |
| Loan loss allowance to noncurrent loans | 25.5681% | 6,568 |
| Noncurrent assets plus other real estate owned to assets | 5.0769% | 1,254 |
| Noncurrent loans to loans | 5.9184% | 1,061 |
| Net loans and leases to total assets | 64.2350% | 3,830 |
| Net loans and leases to deposits | 79.0788% | 3,328 |
| Net loans and leases to core deposits | 91.1679% | 2,595 |
| Total domestic deposits to total assets | 81.2291% | 5,446 |
| Equity capital to assets | 3.9081% | 7,512 |
| Core capital (leverage) ratio | 4.1322% | 7,487 |
| Tier 1 risk-based capital ratio | 6.5093% | 7,458 |
| Total risk-based capital ratio | 7.7606% | 7,460 |
| Memoranda: | ||
| Average total assets | $279,425,600 | 2,284 |
| Average earning assets | $247,547,400 | 2,360 |
| Average equity | $14,534,800 | 4,026 |
| Average total loans | $211,143,200 | 2,057 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7983% | 1,401 |
| Cost of funding earning assets | 1.7172% | 1,783 |
| Net interest margin | 4.0811% | 2,701 |
| Noninterest income to average assets | 0.4919% | 4,252 |
| Noninterest expense to average assets | 3.5382% | 1,940 |
| Loan and lease loss provision to assets | 2.1156% | 541 |
| Net operating income to assets | -1.4969% | 7,107 |
| Return on assets (ROA) | -1.5363% | 7,126 |
| Pretax return on assets | -1.5363% | 7,050 |
| Return on Equity (ROE) | -27.6560% | 7,349 |
| Retained earnings to average equity (ytd only) | -30.2457% | 7,376 |
| Net charge-offs to loans | 0.9077% | 2,186 |
| Credit loss provision to net charge-offs | 297.3361% | 1,076 |
| Earnings coverage of net charge-offs (x) | 0.8695% | 5,180 |
| Efficiency ratio | 85.1163% | 1,717 |
| Assets per employee ($millions) | 3.3912% | 5,225 |
| Cash dividends to net income (ytd only)* | -9.3642% | 7,621 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2002% | 1,806 |
| Loan loss allowance to noncurrent loans | 30.8423% | 6,284 |
| Noncurrent assets plus other real estate owned to assets | 6.7572% | 824 |
| Noncurrent loans to loans | 7.1338% | 774 |
| Net loans and leases to total assets | 75.0563% | 1,575 |
| Net loans and leases to deposits | 95.6776% | 1,024 |
| Net loans and leases to core deposits | 116.8802% | 721 |
| Total domestic deposits to total assets | 78.4471% | 6,156 |
| Equity capital to assets | 5.3997% | 7,540 |
| Core capital (leverage) ratio | 5.3052% | 7,520 |
| Tier 1 risk-based capital ratio | 7.7382% | 7,499 |
| Total risk-based capital ratio | 9.0036% | 7,503 |
| Memoranda: | ||
| Average total assets | $274,329,500 | 2,354 |
| Average earning assets | $246,366,250 | 2,408 |
| Average equity | $15,239,250 | 3,943 |
| Average total loans | $215,043,500 | 2,045 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9627% | 1,032 |
| Cost of funding earning assets | 1.7789% | 1,726 |
| Net interest margin | 4.1839% | 2,204 |
| Noninterest income to average assets | 0.5346% | 3,837 |
| Noninterest expense to average assets | 3.5018% | 2,027 |
| Loan and lease loss provision to assets | 3.1619% | 304 |
| Net operating income to assets | -2.3774% | 7,392 |
| Return on assets (ROA) | -2.4333% | 7,412 |
| Pretax return on assets | -2.4333% | 7,349 |
| Return on Equity (ROE) | -43.4050% | 7,560 |
| Retained earnings to average equity (ytd only) | -47.2402% | 7,588 |
| Net charge-offs to loans | 1.0675% | 1,762 |
| Credit loss provision to net charge-offs | 375.2586% | 967 |
| Earnings coverage of net charge-offs (x) | 0.9310% | 4,846 |
| Efficiency ratio | 81.6980% | 2,211 |
| Assets per employee ($millions) | 3.2323% | 5,597 |
| Cash dividends to net income (ytd only)* | -8.8358% | 7,708 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3031% | 1,580 |
| Loan loss allowance to noncurrent loans | 32.7808% | 6,184 |
| Noncurrent assets plus other real estate owned to assets | 6.7127% | 812 |
| Noncurrent loans to loans | 7.0259% | 808 |
| Net loans and leases to total assets | 77.2378% | 1,249 |
| Net loans and leases to deposits | 101.4646% | 624 |
| Net loans and leases to core deposits | 110.2752% | 1,148 |
| Total domestic deposits to total assets | 76.1230% | 6,667 |
| Equity capital to assets | 5.3895% | 7,603 |
| Core capital (leverage) ratio | 5.1146% | 7,594 |
| Tier 1 risk-based capital ratio | 7.5735% | 7,555 |
| Total risk-based capital ratio | 8.8403% | 7,562 |
| Memoranda: | ||
| Average total assets | $275,341,000 | 2,367 |
| Average earning assets | $246,899,670 | 2,423 |
| Average equity | $15,436,000 | 3,902 |
| Average total loans | $217,323,000 | 2,054 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1499% | 707 |
| Cost of funding earning assets | 1.8105% | 1,834 |
| Net interest margin | 4.3394% | 1,566 |
| Noninterest income to average assets | 0.4131% | 4,781 |
| Noninterest expense to average assets | 3.4296% | 2,161 |
| Loan and lease loss provision to assets | 6.5364% | 99 |
| Net operating income to assets | -5.6715% | 7,807 |
| Return on assets (ROA) | -5.7317% | 7,813 |
| Pretax return on assets | -5.7317% | 7,797 |
| Return on Equity (ROE) | -100.3736% | 7,827 |
| Retained earnings to average equity (ytd only) | -106.8291% | 7,835 |
| Net charge-offs to loans | 0.5893% | 2,331 |
| Credit loss provision to net charge-offs | 1,406.4815% | 354 |
| Earnings coverage of net charge-offs (x) | 1.8611% | 3,620 |
| Efficiency ratio | 79.8597% | 2,584 |
| Assets per employee ($millions) | 3.4023% | 5,284 |
| Cash dividends to net income (ytd only)* | -6.4314% | 7,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7597% | 1,029 |
| Loan loss allowance to noncurrent loans | 57.0205% | 4,539 |
| Noncurrent assets plus other real estate owned to assets | 5.8995% | 1,030 |
| Noncurrent loans to loans | 4.8398% | 1,516 |
| Net loans and leases to total assets | 74.8317% | 1,783 |
| Net loans and leases to deposits | 97.5023% | 956 |
| Net loans and leases to core deposits | 127.2952% | 554 |
| Total domestic deposits to total assets | 76.7486% | 6,613 |
| Equity capital to assets | 4.9837% | 7,722 |
| Core capital (leverage) ratio | 4.8298% | 7,717 |
| Tier 1 risk-based capital ratio | 7.0914% | 7,690 |
| Total risk-based capital ratio | 8.3631% | 7,692 |
| Memoranda: | ||
| Average total assets | $278,870,000 | 2,403 |
| Average earning assets | $249,433,500 | 2,453 |
| Average equity | $15,924,500 | 3,842 |
| Average total loans | $219,934,000 | 2,079 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2175% | 1,197 |
| Cost of funding earning assets | 2.2109% | 1,982 |
| Net interest margin | 4.0067% | 2,834 |
| Noninterest income to average assets | 0.7464% | 2,703 |
| Noninterest expense to average assets | 3.5090% | 2,353 |
| Loan and lease loss provision to assets | 0.8835% | 2,537 |
| Net operating income to assets | -0.0025% | 5,490 |
| Return on assets (ROA) | -0.0274% | 5,575 |
| Pretax return on assets | -0.0274% | 5,491 |
| Return on Equity (ROE) | -0.4251% | 5,606 |
| Retained earnings to average equity (ytd only) | -2.6926% | 5,645 |
| Net charge-offs to loans | 0.8441% | 2,718 |
| Credit loss provision to net charge-offs | 130.6653% | 3,894 |
| Earnings coverage of net charge-offs (x) | 1.3030% | 4,823 |
| Efficiency ratio | 79.9312% | 2,901 |
| Assets per employee ($millions) | 3.2794% | 5,539 |
| Cash dividends to net income (ytd only)* | -533.3333% | 7,987 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7510% | 7,264 |
| Loan loss allowance to noncurrent loans | 16.9405% | 7,190 |
| Noncurrent assets plus other real estate owned to assets | 5.2126% | 1,147 |
| Noncurrent loans to loans | 4.4331% | 1,610 |
| Net loans and leases to total assets | 80.1718% | 962 |
| Net loans and leases to deposits | 106.5850% | 519 |
| Net loans and leases to core deposits | 132.6962% | 1,131 |
| Total domestic deposits to total assets | 75.2187% | 6,826 |
| Equity capital to assets | 6.4377% | 7,574 |
| Core capital (leverage) ratio | 6.2907% | 7,557 |
| Tier 1 risk-based capital ratio | 9.3675% | 7,292 |
| Total risk-based capital ratio | 10.2321% | 7,497 |
| Memoranda: | ||
| Average total assets | $284,554,800 | 2,313 |
| Average earning assets | $258,769,000 | 2,338 |
| Average equity | $18,346,800 | 3,453 |
| Average total loans | $227,922,800 | 2,040 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1473% | 1,500 |
| Cost of funding earning assets | 2.2722% | 2,100 |
| Net interest margin | 3.8751% | 3,321 |
| Noninterest income to average assets | 0.7049% | 2,986 |
| Noninterest expense to average assets | 3.3574% | 2,697 |
| Loan and lease loss provision to assets | 0.8685% | 2,212 |
| Net operating income to assets | 0.0154% | 5,677 |
| Return on assets (ROA) | 0.0154% | 5,728 |
| Pretax return on assets | 0.0154% | 5,671 |
| Return on Equity (ROE) | 0.2385% | 5,708 |
| Retained earnings to average equity (ytd only) | -2.7031% | 5,878 |
| Net charge-offs to loans | 0.7034% | 2,588 |
| Credit loss provision to net charge-offs | 154.4776% | 3,096 |
| Earnings coverage of net charge-offs (x) | 1.5721% | 4,615 |
| Efficiency ratio | 79.1603% | 2,971 |
| Assets per employee ($millions) | 3.3455% | 5,271 |
| Cash dividends to net income (ytd only)* | 1,233.2955% | 20 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7527% | 7,255 |
| Loan loss allowance to noncurrent loans | 20.6359% | 7,059 |
| Noncurrent assets plus other real estate owned to assets | 3.9775% | 1,615 |
| Noncurrent loans to loans | 3.6476% | 2,053 |
| Net loans and leases to total assets | 80.6114% | 1,062 |
| Net loans and leases to deposits | 106.0940% | 648 |
| Net loans and leases to core deposits | 137.0605% | 1,049 |
| Total domestic deposits to total assets | 75.9811% | 6,581 |
| Equity capital to assets | 6.2541% | 7,814 |
| Core capital (leverage) ratio | 6.1880% | 7,768 |
| Tier 1 risk-based capital ratio | 9.9767% | 7,006 |
| Total risk-based capital ratio | 10.9283% | 7,210 |
| Memoranda: | ||
| Average total assets | $286,006,000 | 2,319 |
| Average earning assets | $261,007,250 | 2,330 |
| Average equity | $18,447,250 | 3,461 |
| Average total loans | $228,611,000 | 2,064 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1119% | 1,755 |
| Cost of funding earning assets | 2.3471% | 2,172 |
| Net interest margin | 3.7648% | 3,697 |
| Noninterest income to average assets | 0.7406% | 2,753 |
| Noninterest expense to average assets | 3.2119% | 3,304 |
| Loan and lease loss provision to assets | 0.4442% | 3,319 |
| Net operating income to assets | 0.5157% | 4,031 |
| Return on assets (ROA) | 0.5157% | 4,148 |
| Pretax return on assets | 0.5157% | 4,568 |
| Return on Equity (ROE) | 7.9147% | 2,810 |
| Retained earnings to average equity (ytd only) | 5.0650% | 2,473 |
| Net charge-offs to loans | 0.4900% | 2,868 |
| Credit loss provision to net charge-offs | 114.0288% | 4,067 |
| Earnings coverage of net charge-offs (x) | 2.4640% | 3,835 |
| Efficiency ratio | 76.9903% | 3,515 |
| Assets per employee ($millions) | 3.4552% | 4,935 |
| Cash dividends to net income (ytd only)* | 36.0054% | 2,603 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5002% | 7,787 |
| Loan loss allowance to noncurrent loans | 16.8668% | 7,287 |
| Noncurrent assets plus other real estate owned to assets | 3.1758% | 1,978 |
| Noncurrent loans to loans | 2.9657% | 2,434 |
| Net loans and leases to total assets | 78.9907% | 1,523 |
| Net loans and leases to deposits | 107.6594% | 669 |
| Net loans and leases to core deposits | 130.6759% | 1,509 |
| Total domestic deposits to total assets | 73.3709% | 7,056 |
| Equity capital to assets | 6.3399% | 7,854 |
| Core capital (leverage) ratio | 6.5592% | 7,766 |
| Tier 1 risk-based capital ratio | 10.3008% | 6,593 |
| Total risk-based capital ratio | 10.9312% | 7,189 |
| Memoranda: | ||
| Average total assets | $285,436,330 | 2,347 |
| Average earning assets | $260,148,670 | 2,349 |
| Average equity | $18,598,330 | 3,451 |
| Average total loans | $226,918,000 | 2,104 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7569% | 3,495 |
| Cost of funding earning assets | 2.4612% | 2,069 |
| Net interest margin | 3.2957% | 5,511 |
| Noninterest income to average assets | 0.7640% | 2,513 |
| Noninterest expense to average assets | 3.0746% | 3,470 |
| Loan and lease loss provision to assets | 0.3219% | 3,398 |
| Net operating income to assets | 0.3677% | 4,983 |
| Return on assets (ROA) | 0.3677% | 5,165 |
| Pretax return on assets | 0.3677% | 5,489 |
| Return on Equity (ROE) | 5.5634% | 4,226 |
| Retained earnings to average equity (ytd only) | 3.7233% | 3,833 |
| Net charge-offs to loans | 0.3399% | 2,726 |
| Credit loss provision to net charge-offs | 119.0476% | 3,293 |
| Earnings coverage of net charge-offs (x) | 2.5503% | 3,475 |
| Efficiency ratio | 81.6800% | 2,583 |
| Assets per employee ($millions) | 3.4238% | 5,011 |
| Cash dividends to net income (ytd only)* | 33.0739% | 2,242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5066% | 7,814 |
| Loan loss allowance to noncurrent loans | 16.0304% | 7,357 |
| Noncurrent assets plus other real estate owned to assets | 3.3762% | 1,615 |
| Noncurrent loans to loans | 3.1605% | 2,045 |
| Net loans and leases to total assets | 77.7029% | 1,892 |
| Net loans and leases to deposits | 107.2296% | 772 |
| Net loans and leases to core deposits | 134.4122% | 1,394 |
| Total domestic deposits to total assets | 72.4640% | 7,136 |
| Equity capital to assets | 6.4485% | 7,889 |
| Core capital (leverage) ratio | 6.6789% | 7,807 |
| Tier 1 risk-based capital ratio | 10.4650% | 6,433 |
| Total risk-based capital ratio | 11.0922% | 6,998 |
| Memoranda: | ||
| Average total assets | $279,580,000 | 2,389 |
| Average earning assets | $254,510,000 | 2,409 |
| Average equity | $18,478,000 | 3,486 |
| Average total loans | $222,427,000 | 2,159 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1599% | 4,725 |
| Cost of funding earning assets | 2.8556% | 2,460 |
| Net interest margin | 3.3043% | 6,022 |
| Noninterest income to average assets | 0.7329% | 2,888 |
| Noninterest expense to average assets | 3.1386% | 3,556 |
| Loan and lease loss provision to assets | 0.2563% | 4,352 |
| Net operating income to assets | 0.3473% | 5,364 |
| Return on assets (ROA) | 0.3514% | 5,159 |
| Pretax return on assets | 0.3514% | 5,392 |
| Return on Equity (ROE) | 5.1247% | 4,323 |
| Retained earnings to average equity (ytd only) | 0.8729% | 4,704 |
| Net charge-offs to loans | 0.3301% | 3,196 |
| Credit loss provision to net charge-offs | 92.9427% | 5,601 |
| Earnings coverage of net charge-offs (x) | 2.1891% | 4,980 |
| Efficiency ratio | 83.8697% | 2,069 |
| Assets per employee ($millions) | 3.1577% | 5,602 |
| Cash dividends to net income (ytd only)* | 82.9676% | 1,573 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5004% | 7,850 |
| Loan loss allowance to noncurrent loans | 21.5066% | 7,165 |
| Noncurrent assets plus other real estate owned to assets | 2.6945% | 1,763 |
| Noncurrent loans to loans | 2.3265% | 2,375 |
| Net loans and leases to total assets | 80.6969% | 1,509 |
| Net loans and leases to deposits | 111.9810% | 709 |
| Net loans and leases to core deposits | 143.5922% | 1,109 |
| Total domestic deposits to total assets | 72.0631% | 6,984 |
| Equity capital to assets | 6.7794% | 7,839 |
| Core capital (leverage) ratio | 6.9664% | 7,716 |
| Tier 1 risk-based capital ratio | 10.5953% | 6,107 |
| Total risk-based capital ratio | 11.2156% | 6,663 |
| Memoranda: | ||
| Average total assets | $272,349,800 | 2,365 |
| Average earning assets | $248,038,600 | 2,384 |
| Average equity | $18,674,200 | 3,449 |
| Average total loans | $227,516,200 | 2,067 |