Home > Morganton Savings Bank, S.S.B. > Performance and Condition Ratios
Morganton Savings Bank, S.S.B., Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1260% | 1,805 |
| Cost of funding earning assets | 0.8020% | 3,723 |
| Net interest margin | 4.3240% | 784 |
| Noninterest income to average assets | 0.3100% | 3,052 |
| Noninterest expense to average assets | 2.7650% | 1,590 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.9835% | 2,270 |
| Return on assets (ROA) | 0.9835% | 2,256 |
| Pretax return on assets | 1.2094% | 2,116 |
| Return on Equity (ROE) | 4.4900% | 3,817 |
| Retained earnings to average equity (ytd only) | 4.4925% | 2,793 |
| Net charge-offs to loans | -0.0027% | 3,729 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 69.5699% | 1,937 |
| Assets per employee ($millions) | 11.4352% | 473 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3356% | 94 |
| Loan loss allowance to noncurrent loans | 3,227.0270% | 346 |
| Noncurrent assets plus other real estate owned to assets | 0.2291% | 2,072 |
| Noncurrent loans to loans | 0.1034% | 3,021 |
| Net loans and leases to total assets | 60.5200% | 2,803 |
| Net loans and leases to deposits | 92.1455% | 1,079 |
| Net loans and leases to core deposits | 96.9515% | 1,599 |
| Total domestic deposits to total assets | 65.6800% | 4,383 |
| Equity capital to assets | 22.9362% | 220 |
| Core capital (leverage) ratio | 24.2406% | 172 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $116,418,200 | 3,690 |
| Average earning assets | $98,751,600 | 3,754 |
| Average equity | $25,486,800 | 2,488 |
| Average total loans | $73,405,800 | 3,504 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8919% | 2,075 |
| Cost of funding earning assets | 0.7255% | 3,708 |
| Net interest margin | 4.1664% | 967 |
| Noninterest income to average assets | 0.0100% | 4,534 |
| Noninterest expense to average assets | 2.9064% | 1,218 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.6226% | 3,487 |
| Return on assets (ROA) | 0.6226% | 3,485 |
| Pretax return on assets | 0.6226% | 3,703 |
| Return on Equity (ROE) | 2.8800% | 4,108 |
| Retained earnings to average equity (ytd only) | 2.8772% | 3,540 |
| Net charge-offs to loans | -0.0018% | 3,562 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 82.3586% | 707 |
| Assets per employee ($millions) | 11.4394% | 446 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3145% | 95 |
| Loan loss allowance to noncurrent loans | 4,680.3922% | 251 |
| Noncurrent assets plus other real estate owned to assets | 0.2089% | 2,218 |
| Noncurrent loans to loans | 0.0708% | 3,249 |
| Net loans and leases to total assets | 60.8700% | 2,765 |
| Net loans and leases to deposits | 91.8031% | 1,069 |
| Net loans and leases to core deposits | 96.5822% | 1,523 |
| Total domestic deposits to total assets | 66.3000% | 4,399 |
| Equity capital to assets | 22.3438% | 229 |
| Core capital (leverage) ratio | 23.6785% | 183 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $116,934,750 | 3,693 |
| Average earning assets | $98,691,000 | 3,772 |
| Average equity | $25,301,500 | 2,485 |
| Average total loans | $73,859,250 | 3,502 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8645% | 1,851 |
| Cost of funding earning assets | 0.6437% | 3,645 |
| Net interest margin | 4.2208% | 906 |
| Noninterest income to average assets | 0.0400% | 4,512 |
| Noninterest expense to average assets | 2.9478% | 1,131 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.6656% | 3,421 |
| Return on assets (ROA) | 0.6656% | 3,424 |
| Pretax return on assets | 0.6656% | 3,674 |
| Return on Equity (ROE) | 3.1100% | 4,139 |
| Retained earnings to average equity (ytd only) | 3.1103% | 3,448 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 81.5789% | 738 |
| Assets per employee ($millions) | 12.9871% | 300 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2201% | 117 |
| Loan loss allowance to noncurrent loans | 572.1823% | 1,421 |
| Noncurrent assets plus other real estate owned to assets | 0.5176% | 1,049 |
| Noncurrent loans to loans | 0.5628% | 1,330 |
| Net loans and leases to total assets | 61.3500% | 2,635 |
| Net loans and leases to deposits | 91.2355% | 1,084 |
| Net loans and leases to core deposits | 96.1300% | 1,461 |
| Total domestic deposits to total assets | 67.2500% | 4,421 |
| Equity capital to assets | 21.7138% | 235 |
| Core capital (leverage) ratio | 23.5122% | 180 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $117,781,667 | 3,695 |
| Average earning assets | $99,743,333 | 3,777 |
| Average equity | $25,206,667 | 2,512 |
| Average total loans | $74,473,667 | 3,499 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7563% | 1,724 |
| Cost of funding earning assets | 0.4828% | 3,751 |
| Net interest margin | 4.2735% | 850 |
| Noninterest income to average assets | 0.0600% | 4,506 |
| Noninterest expense to average assets | 2.9400% | 1,163 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.7477% | 3,350 |
| Return on assets (ROA) | 0.7477% | 3,303 |
| Pretax return on assets | 0.7477% | 3,565 |
| Return on Equity (ROE) | 3.5200% | 4,114 |
| Retained earnings to average equity (ytd only) | 3.5191% | 3,390 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 79.7248% | 853 |
| Assets per employee ($millions) | 12.7956% | 318 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1728% | 118 |
| Loan loss allowance to noncurrent loans | 1,363.4286% | 785 |
| Noncurrent assets plus other real estate owned to assets | 0.3152% | 1,591 |
| Noncurrent loans to loans | 0.2327% | 2,338 |
| Net loans and leases to total assets | 63.2300% | 2,335 |
| Net loans and leases to deposits | 94.3517% | 772 |
| Net loans and leases to core deposits | 99.8807% | 1,093 |
| Total domestic deposits to total assets | 67.0100% | 4,471 |
| Equity capital to assets | 21.9052% | 196 |
| Core capital (leverage) ratio | 23.0011% | 193 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $118,230,500 | 3,740 |
| Average earning assets | $100,246,000 | 3,821 |
| Average equity | $25,120,000 | 2,539 |
| Average total loans | $74,661,500 | 3,530 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1624% | 1,325 |
| Cost of funding earning assets | 0.4840% | 1,501 |
| Net interest margin | 3.6783% | 1,429 |
| Noninterest income to average assets | 0.0400% | 4,598 |
| Noninterest expense to average assets | 2.6138% | 1,794 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.5469% | 3,997 |
| Return on assets (ROA) | 0.5445% | 3,965 |
| Pretax return on assets | 0.5445% | 4,109 |
| Return on Equity (ROE) | 2.6000% | 4,330 |
| Retained earnings to average equity (ytd only) | 2.6049% | 3,819 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 82.6958% | 556 |
| Assets per employee ($millions) | 12.1301% | 375 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2190% | 103 |
| Loan loss allowance to noncurrent loans | 1,275.9358% | 825 |
| Noncurrent assets plus other real estate owned to assets | 0.1542% | 2,456 |
| Noncurrent loans to loans | 0.2523% | 2,260 |
| Net loans and leases to total assets | 59.1400% | 2,717 |
| Net loans and leases to deposits | 83.6191% | 1,493 |
| Net loans and leases to core deposits | 87.5032% | 1,648 |
| Total domestic deposits to total assets | 70.7200% | 4,457 |
| Equity capital to assets | 20.6214% | 208 |
| Core capital (leverage) ratio | 21.9825% | 204 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $121,584,600 | 3,714 |
| Average earning assets | $103,090,800 | 3,805 |
| Average equity | $25,413,600 | 2,562 |
| Average total loans | $71,911,400 | 3,544 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8515% | 1,614 |
| Cost of funding earning assets | 0.5154% | 698 |
| Net interest margin | 3.3361% | 2,183 |
| Noninterest income to average assets | 0.0600% | 4,582 |
| Noninterest expense to average assets | 2.3870% | 2,380 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.4844% | 4,107 |
| Return on assets (ROA) | 0.4811% | 4,065 |
| Pretax return on assets | 0.4921% | 4,164 |
| Return on Equity (ROE) | 2.2900% | 4,377 |
| Retained earnings to average equity (ytd only) | 2.2942% | 3,960 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 82.8137% | 617 |
| Assets per employee ($millions) | 12.0739% | 373 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2539% | 107 |
| Loan loss allowance to noncurrent loans | 1,236.2694% | 822 |
| Noncurrent assets plus other real estate owned to assets | 0.1598% | 2,499 |
| Noncurrent loans to loans | 0.2632% | 2,323 |
| Net loans and leases to total assets | 58.7600% | 2,621 |
| Net loans and leases to deposits | 83.8973% | 1,307 |
| Net loans and leases to core deposits | 88.2033% | 1,403 |
| Total domestic deposits to total assets | 70.0300% | 4,536 |
| Equity capital to assets | 21.1680% | 194 |
| Core capital (leverage) ratio | 21.9344% | 200 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $121,655,500 | 3,739 |
| Average earning assets | $102,952,250 | 3,828 |
| Average equity | $25,513,500 | 2,596 |
| Average total loans | $71,358,750 | 3,566 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3047% | 2,725 |
| Cost of funding earning assets | 0.5511% | 390 |
| Net interest margin | 2.7536% | 3,567 |
| Noninterest income to average assets | 0.0722% | 4,575 |
| Noninterest expense to average assets | 2.3417% | 2,424 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.0738% | 4,536 |
| Return on assets (ROA) | 0.0689% | 4,506 |
| Pretax return on assets | 0.0689% | 4,505 |
| Return on Equity (ROE) | 0.3294% | 4,529 |
| Retained earnings to average equity (ytd only) | 0.3294% | 4,128 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.9450% | 234 |
| Assets per employee ($millions) | 12.5190% | 327 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3089% | 105 |
| Loan loss allowance to noncurrent loans | 247.6684% | 2,390 |
| Noncurrent assets plus other real estate owned to assets | 0.9937% | 472 |
| Noncurrent loans to loans | 1.3360% | 582 |
| Net loans and leases to total assets | 55.7872% | 2,777 |
| Net loans and leases to deposits | 83.9161% | 1,127 |
| Net loans and leases to core deposits | 88.2833% | 1,206 |
| Total domestic deposits to total assets | 66.4798% | 4,651 |
| Equity capital to assets | 20.1334% | 164 |
| Core capital (leverage) ratio | 20.4554% | 172 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $121,961,000 | 3,779 |
| Average earning assets | $103,792,333 | 3,869 |
| Average equity | $25,498,667 | 2,651 |
| Average total loans | $70,702,667 | 3,609 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5282% | 1,708 |
| Cost of funding earning assets | 0.5647% | 336 |
| Net interest margin | 2.9636% | 2,626 |
| Noninterest income to average assets | 0.1097% | 4,460 |
| Noninterest expense to average assets | 2.4064% | 2,136 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.1984% | 4,338 |
| Return on assets (ROA) | 0.1928% | 4,310 |
| Pretax return on assets | 0.2260% | 4,296 |
| Return on Equity (ROE) | 0.9046% | 4,440 |
| Retained earnings to average equity (ytd only) | 0.9046% | 3,845 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.1839% | 498 |
| Assets per employee ($millions) | 12.1961% | 369 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3962% | 113 |
| Loan loss allowance to noncurrent loans | 237.3386% | 2,391 |
| Noncurrent assets plus other real estate owned to assets | 1.0544% | 463 |
| Noncurrent loans to loans | 1.4309% | 590 |
| Net loans and leases to total assets | 55.7416% | 2,554 |
| Net loans and leases to deposits | 85.0011% | 806 |
| Net loans and leases to core deposits | 89.6022% | 942 |
| Total domestic deposits to total assets | 65.5775% | 4,696 |
| Equity capital to assets | 21.0535% | 140 |
| Core capital (leverage) ratio | 21.9056% | 127 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $120,346,500 | 3,812 |
| Average earning assets | $102,714,500 | 3,904 |
| Average equity | $25,645,500 | 2,731 |
| Average total loans | $69,939,000 | 3,622 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7980% | 1,871 |
| Cost of funding earning assets | 0.7378% | 272 |
| Net interest margin | 3.0602% | 3,019 |
| Noninterest income to average assets | 0.1907% | 4,211 |
| Noninterest expense to average assets | 2.3524% | 2,650 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.3542% | 4,339 |
| Return on assets (ROA) | 0.5402% | 4,052 |
| Pretax return on assets | 0.6757% | 3,978 |
| Return on Equity (ROE) | 2.5540% | 4,433 |
| Retained earnings to average equity (ytd only) | 2.5540% | 3,815 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.1460% | 563 |
| Assets per employee ($millions) | 13.1924% | 295 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4386% | 103 |
| Loan loss allowance to noncurrent loans | 221.9127% | 2,449 |
| Noncurrent assets plus other real estate owned to assets | 1.1421% | 446 |
| Noncurrent loans to loans | 1.5495% | 573 |
| Net loans and leases to total assets | 56.5265% | 2,536 |
| Net loans and leases to deposits | 87.3450% | 691 |
| Net loans and leases to core deposits | 92.2619% | 863 |
| Total domestic deposits to total assets | 64.7163% | 4,741 |
| Equity capital to assets | 21.5730% | 134 |
| Core capital (leverage) ratio | 21.6952% | 131 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $119,582,200 | 3,807 |
| Average earning assets | $101,790,600 | 3,891 |
| Average equity | $25,293,400 | 2,830 |
| Average total loans | $69,620,600 | 3,657 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4814% | 2,890 |
| Cost of funding earning assets | 0.7562% | 301 |
| Net interest margin | 2.7252% | 3,923 |
| Noninterest income to average assets | 0.2126% | 4,128 |
| Noninterest expense to average assets | 2.4263% | 2,354 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.0811% | 4,706 |
| Return on assets (ROA) | 0.3361% | 4,495 |
| Pretax return on assets | 0.4274% | 4,457 |
| Return on Equity (ROE) | 1.5970% | 4,643 |
| Retained earnings to average equity (ytd only) | 1.5970% | 4,294 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.8663% | 197 |
| Assets per employee ($millions) | 13.7787% | 259 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4974% | 105 |
| Loan loss allowance to noncurrent loans | 553.2407% | 1,265 |
| Noncurrent assets plus other real estate owned to assets | 0.5734% | 1,345 |
| Noncurrent loans to loans | 0.6322% | 1,730 |
| Net loans and leases to total assets | 53.1796% | 3,061 |
| Net loans and leases to deposits | 85.2535% | 870 |
| Net loans and leases to core deposits | 92.5066% | 902 |
| Total domestic deposits to total assets | 62.3782% | 4,824 |
| Equity capital to assets | 20.4640% | 177 |
| Core capital (leverage) ratio | 21.3662% | 145 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $119,794,750 | 3,845 |
| Average earning assets | $101,911,250 | 3,932 |
| Average equity | $25,213,250 | 2,866 |
| Average total loans | $69,649,500 | 3,709 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6230% | 2,553 |
| Cost of funding earning assets | 0.7576% | 357 |
| Net interest margin | 2.8654% | 3,645 |
| Noninterest income to average assets | 0.1841% | 4,280 |
| Noninterest expense to average assets | 2.3735% | 2,547 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.2035% | 4,630 |
| Return on assets (ROA) | 0.6031% | 4,032 |
| Pretax return on assets | 0.7264% | 4,015 |
| Return on Equity (ROE) | 2.8380% | 4,503 |
| Retained earnings to average equity (ytd only) | 2.8380% | 3,892 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.6452% | 325 |
| Assets per employee ($millions) | 13.6810% | 252 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4156% | 106 |
| Loan loss allowance to noncurrent loans | 573.1415% | 1,145 |
| Noncurrent assets plus other real estate owned to assets | 0.5653% | 1,473 |
| Noncurrent loans to loans | 0.5959% | 1,914 |
| Net loans and leases to total assets | 54.8880% | 3,036 |
| Net loans and leases to deposits | 88.3542% | 757 |
| Net loans and leases to core deposits | 95.9223% | 811 |
| Total domestic deposits to total assets | 62.1227% | 4,855 |
| Equity capital to assets | 20.5857% | 167 |
| Core capital (leverage) ratio | 21.7466% | 134 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $118,390,333 | 3,872 |
| Average earning assets | $100,579,333 | 3,968 |
| Average equity | $25,158,667 | 2,867 |
| Average total loans | $70,087,000 | 3,719 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6794% | 2,412 |
| Cost of funding earning assets | 0.7594% | 431 |
| Net interest margin | 2.9200% | 3,468 |
| Noninterest income to average assets | 0.3310% | 3,446 |
| Noninterest expense to average assets | 2.5064% | 2,158 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.2541% | 4,583 |
| Return on assets (ROA) | 0.7033% | 3,760 |
| Pretax return on assets | 0.8447% | 3,733 |
| Return on Equity (ROE) | 3.2556% | 4,428 |
| Retained earnings to average equity (ytd only) | 3.2556% | 3,702 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.2025% | 399 |
| Assets per employee ($millions) | 14.8830% | 204 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3556% | 111 |
| Loan loss allowance to noncurrent loans | 532.2940% | 1,119 |
| Noncurrent assets plus other real estate owned to assets | 0.6047% | 1,579 |
| Noncurrent loans to loans | 0.6304% | 1,993 |
| Net loans and leases to total assets | 57.8134% | 2,817 |
| Net loans and leases to deposits | 94.6888% | 456 |
| Net loans and leases to core deposits | 103.6110% | 589 |
| Total domestic deposits to total assets | 61.0562% | 4,879 |
| Equity capital to assets | 21.1307% | 147 |
| Core capital (leverage) ratio | 22.7056% | 122 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $116,021,000 | 3,905 |
| Average earning assets | $98,493,000 | 3,993 |
| Average equity | $25,064,500 | 2,870 |
| Average total loans | $70,144,000 | 3,731 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3490% | 1,724 |
| Cost of funding earning assets | 0.8268% | 1,103 |
| Net interest margin | 3.5222% | 2,404 |
| Noninterest income to average assets | 0.4634% | 2,800 |
| Noninterest expense to average assets | 2.4609% | 2,956 |
| Loan and lease loss provision to assets | 0.5972% | 339 |
| Net operating income to assets | 0.4287% | 4,182 |
| Return on assets (ROA) | 0.1470% | 4,673 |
| Pretax return on assets | 0.0824% | 4,714 |
| Return on Equity (ROE) | 0.6348% | 4,712 |
| Retained earnings to average equity (ytd only) | 0.6348% | 4,335 |
| Net charge-offs to loans | -0.0215% | 4,443 |
| Credit loss provision to net charge-offs | -4,253.3333% | 4,302 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9092% | 1,693 |
| Assets per employee ($millions) | 12.5531% | 289 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4606% | 94 |
| Loan loss allowance to noncurrent loans | 533.4821% | 1,077 |
| Noncurrent assets plus other real estate owned to assets | 0.6709% | 1,560 |
| Noncurrent loans to loans | 0.6487% | 2,055 |
| Net loans and leases to total assets | 59.0141% | 2,978 |
| Net loans and leases to deposits | 99.5877% | 389 |
| Net loans and leases to core deposits | 107.3812% | 593 |
| Total domestic deposits to total assets | 59.2584% | 4,918 |
| Equity capital to assets | 22.1016% | 136 |
| Core capital (leverage) ratio | 23.2564% | 117 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $106,829,000 | 3,908 |
| Average earning assets | $89,745,600 | 4,033 |
| Average equity | $24,731,400 | 2,825 |
| Average total loans | $69,799,400 | 3,739 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3054% | 2,082 |
| Cost of funding earning assets | 0.8348% | 1,338 |
| Net interest margin | 3.4706% | 2,692 |
| Noninterest income to average assets | 0.4837% | 2,682 |
| Noninterest expense to average assets | 2.5022% | 2,838 |
| Loan and lease loss provision to assets | 0.4093% | 842 |
| Net operating income to assets | 0.4713% | 4,115 |
| Return on assets (ROA) | -0.0709% | 4,817 |
| Pretax return on assets | -0.2026% | 4,836 |
| Return on Equity (ROE) | -0.3026% | 4,806 |
| Retained earnings to average equity (ytd only) | -0.3026% | 4,526 |
| Net charge-offs to loans | -0.0286% | 4,513 |
| Credit loss provision to net charge-offs | -2,153.3333% | 4,093 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7038% | 1,438 |
| Assets per employee ($millions) | 12.3008% | 305 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9466% | 145 |
| Loan loss allowance to noncurrent loans | 416.6667% | 1,222 |
| Noncurrent assets plus other real estate owned to assets | 0.7299% | 1,603 |
| Noncurrent loans to loans | 0.7072% | 2,027 |
| Net loans and leases to total assets | 61.7341% | 3,041 |
| Net loans and leases to deposits | 105.3553% | 342 |
| Net loans and leases to core deposits | 112.4800% | 612 |
| Total domestic deposits to total assets | 58.5961% | 4,937 |
| Equity capital to assets | 22.3699% | 141 |
| Core capital (leverage) ratio | 23.3727% | 120 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $105,291,750 | 3,926 |
| Average earning assets | $88,321,250 | 4,052 |
| Average equity | $24,671,750 | 2,814 |
| Average total loans | $69,983,500 | 3,750 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4951% | 1,930 |
| Cost of funding earning assets | 0.8316% | 1,670 |
| Net interest margin | 3.6635% | 2,284 |
| Noninterest income to average assets | 0.4967% | 2,587 |
| Noninterest expense to average assets | 2.4969% | 2,966 |
| Loan and lease loss provision to assets | 0.3285% | 1,301 |
| Net operating income to assets | 0.6858% | 3,444 |
| Return on assets (ROA) | -0.1585% | 4,853 |
| Pretax return on assets | -0.3324% | 4,871 |
| Return on Equity (ROE) | -0.6656% | 4,832 |
| Retained earnings to average equity (ytd only) | -0.6656% | 4,432 |
| Net charge-offs to loans | -0.0430% | 4,645 |
| Credit loss provision to net charge-offs | -1,133.3333% | 3,774 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1031% | 1,942 |
| Assets per employee ($millions) | 12.5322% | 282 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6750% | 185 |
| Loan loss allowance to noncurrent loans | 406.3425% | 1,211 |
| Noncurrent assets plus other real estate owned to assets | 0.6942% | 1,766 |
| Noncurrent loans to loans | 0.6583% | 2,217 |
| Net loans and leases to total assets | 61.9993% | 3,127 |
| Net loans and leases to deposits | 104.2006% | 367 |
| Net loans and leases to core deposits | 116.3970% | 521 |
| Total domestic deposits to total assets | 59.5000% | 4,964 |
| Equity capital to assets | 21.9071% | 150 |
| Core capital (leverage) ratio | 23.8847% | 110 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $103,486,667 | 3,947 |
| Average earning assets | $86,583,333 | 4,067 |
| Average equity | $24,640,667 | 2,806 |
| Average total loans | $69,838,333 | 3,757 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9137% | 1,160 |
| Cost of funding earning assets | 0.8287% | 2,231 |
| Net interest margin | 4.0850% | 1,165 |
| Noninterest income to average assets | 0.5188% | 2,448 |
| Noninterest expense to average assets | 2.6306% | 2,889 |
| Loan and lease loss provision to assets | 0.0284% | 3,435 |
| Net operating income to assets | 1.1287% | 1,756 |
| Return on assets (ROA) | -1.2890% | 4,995 |
| Pretax return on assets | -1.8037% | 5,015 |
| Return on Equity (ROE) | -5.0826% | 4,924 |
| Retained earnings to average equity (ytd only) | -5.0826% | 4,528 |
| Net charge-offs to loans | -0.0872% | 4,791 |
| Credit loss provision to net charge-offs | -46.6667% | 3,135 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1843% | 2,793 |
| Assets per employee ($millions) | 11.3906% | 271 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5433% | 229 |
| Loan loss allowance to noncurrent loans | 375.0533% | 1,255 |
| Noncurrent assets plus other real estate owned to assets | 0.7209% | 1,863 |
| Noncurrent loans to loans | 0.6781% | 2,295 |
| Net loans and leases to total assets | 65.7504% | 2,846 |
| Net loans and leases to deposits | 118.1759% | 95 |
| Net loans and leases to core deposits | 128.0009% | 299 |
| Total domestic deposits to total assets | 55.6377% | 5,053 |
| Equity capital to assets | 24.2394% | 122 |
| Core capital (leverage) ratio | 26.2764% | 97 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $98,683,500 | 4,014 |
| Average earning assets | $82,056,500 | 4,139 |
| Average equity | $25,026,500 | 2,774 |
| Average total loans | $68,832,000 | 3,784 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6707% | 424 |
| Cost of funding earning assets | 0.7821% | 2,762 |
| Net interest margin | 4.8886% | 338 |
| Noninterest income to average assets | 0.2885% | 3,963 |
| Noninterest expense to average assets | 2.7951% | 2,615 |
| Loan and lease loss provision to assets | 0.0983% | 2,085 |
| Net operating income to assets | 1.1450% | 2,272 |
| Return on assets (ROA) | 1.3473% | 1,595 |
| Pretax return on assets | 1.6866% | 1,227 |
| Return on Equity (ROE) | 5.1062% | 4,179 |
| Retained earnings to average equity (ytd only) | 5.1062% | 2,363 |
| Net charge-offs to loans | -0.8795% | 5,133 |
| Credit loss provision to net charge-offs | -16.2791% | 4,117 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5943% | 2,989 |
| Assets per employee ($millions) | 9.4852% | 415 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5357% | 208 |
| Loan loss allowance to noncurrent loans | 329.6015% | 1,403 |
| Noncurrent assets plus other real estate owned to assets | 0.8403% | 1,531 |
| Noncurrent loans to loans | 0.7693% | 1,977 |
| Net loans and leases to total assets | 70.3876% | 2,333 |
| Net loans and leases to deposits | 128.4615% | 48 |
| Net loans and leases to core deposits | 139.4199% | 180 |
| Total domestic deposits to total assets | 54.7927% | 5,111 |
| Equity capital to assets | 26.5719% | 107 |
| Core capital (leverage) ratio | 27.1561% | 99 |
| Tier 1 risk-based capital ratio | 32.5288% | 401 |
| Total risk-based capital ratio | 33.7896% | 389 |
| Memoranda: | ||
| Average total assets | $92,555,800 | 4,104 |
| Average earning assets | $76,463,400 | 4,244 |
| Average equity | $24,421,400 | 2,759 |
| Average total loans | $63,562,000 | 3,918 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1590% | 1,129 |
| Cost of funding earning assets | 0.7551% | 2,947 |
| Net interest margin | 4.4039% | 937 |
| Noninterest income to average assets | 0.2275% | 4,377 |
| Noninterest expense to average assets | 2.8386% | 2,446 |
| Loan and lease loss provision to assets | 0.1319% | 1,460 |
| Net operating income to assets | 0.7147% | 3,969 |
| Return on assets (ROA) | 0.9303% | 3,309 |
| Pretax return on assets | 1.1607% | 3,099 |
| Return on Equity (ROE) | 3.5499% | 4,664 |
| Retained earnings to average equity (ytd only) | 3.5499% | 3,628 |
| Net charge-offs to loans | -0.6482% | 5,205 |
| Credit loss provision to net charge-offs | -30.0330% | 3,989 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5084% | 1,638 |
| Assets per employee ($millions) | 9.5365% | 402 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2247% | 320 |
| Loan loss allowance to noncurrent loans | 147.9520% | 2,626 |
| Noncurrent assets plus other real estate owned to assets | 1.5414% | 705 |
| Noncurrent loans to loans | 1.5036% | 1,005 |
| Net loans and leases to total assets | 68.2546% | 2,752 |
| Net loans and leases to deposits | 122.5473% | 78 |
| Net loans and leases to core deposits | 133.6351% | 256 |
| Total domestic deposits to total assets | 55.6965% | 5,185 |
| Equity capital to assets | 25.6782% | 118 |
| Core capital (leverage) ratio | 26.9777% | 100 |
| Tier 1 risk-based capital ratio | 31.7917% | 431 |
| Total risk-based capital ratio | 33.0489% | 424 |
| Memoranda: | ||
| Average total assets | $92,014,250 | 4,161 |
| Average earning assets | $75,930,750 | 4,307 |
| Average equity | $24,112,500 | 2,799 |
| Average total loans | $62,327,250 | 3,985 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0004% | 1,487 |
| Cost of funding earning assets | 0.7227% | 3,030 |
| Net interest margin | 4.2777% | 1,189 |
| Noninterest income to average assets | 0.2442% | 4,291 |
| Noninterest expense to average assets | 2.9286% | 2,199 |
| Loan and lease loss provision to assets | 0.2002% | 858 |
| Net operating income to assets | 0.5162% | 4,499 |
| Return on assets (ROA) | 0.9527% | 3,156 |
| Pretax return on assets | 1.1904% | 2,938 |
| Return on Equity (ROE) | 3.6102% | 4,667 |
| Retained earnings to average equity (ytd only) | 3.6102% | 3,446 |
| Net charge-offs to loans | -0.2430% | 5,156 |
| Credit loss provision to net charge-offs | -122.9730% | 3,931 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6093% | 1,203 |
| Assets per employee ($millions) | 9.1979% | 432 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9726% | 498 |
| Loan loss allowance to noncurrent loans | 131.3746% | 2,859 |
| Noncurrent assets plus other real estate owned to assets | 1.5504% | 710 |
| Noncurrent loans to loans | 1.5015% | 1,030 |
| Net loans and leases to total assets | 67.6437% | 2,870 |
| Net loans and leases to deposits | 113.0702% | 162 |
| Net loans and leases to core deposits | 127.5351% | 358 |
| Total domestic deposits to total assets | 59.8245% | 5,209 |
| Equity capital to assets | 26.3767% | 107 |
| Core capital (leverage) ratio | 27.4529% | 90 |
| Tier 1 risk-based capital ratio | 32.0257% | 416 |
| Total risk-based capital ratio | 33.2798% | 410 |
| Memoranda: | ||
| Average total assets | $90,897,330 | 4,203 |
| Average earning assets | $74,994,000 | 4,353 |
| Average equity | $23,987,330 | 2,801 |
| Average total loans | $60,912,330 | 4,030 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8368% | 1,802 |
| Cost of funding earning assets | 0.7086% | 3,010 |
| Net interest margin | 4.1282% | 1,484 |
| Noninterest income to average assets | 0.2745% | 4,047 |
| Noninterest expense to average assets | 2.9660% | 2,086 |
| Loan and lease loss provision to assets | 0.4028% | 286 |
| Net operating income to assets | 0.2497% | 4,959 |
| Return on assets (ROA) | 0.9474% | 3,099 |
| Pretax return on assets | 1.1820% | 2,869 |
| Return on Equity (ROE) | 3.5890% | 4,662 |
| Retained earnings to average equity (ytd only) | 3.5890% | 3,483 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.6258% | 994 |
| Assets per employee ($millions) | 9.1019% | 457 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9194% | 577 |
| Loan loss allowance to noncurrent loans | 146.6999% | 2,711 |
| Noncurrent assets plus other real estate owned to assets | 1.4019% | 892 |
| Noncurrent loans to loans | 1.3084% | 1,253 |
| Net loans and leases to total assets | 66.1334% | 3,033 |
| Net loans and leases to deposits | 111.0222% | 194 |
| Net loans and leases to core deposits | 124.9720% | 408 |
| Total domestic deposits to total assets | 59.5678% | 5,279 |
| Equity capital to assets | 26.3450% | 99 |
| Core capital (leverage) ratio | 27.6280% | 85 |
| Tier 1 risk-based capital ratio | 32.4742% | 400 |
| Total risk-based capital ratio | 33.7270% | 394 |
| Memoranda: | ||
| Average total assets | $90,356,500 | 4,260 |
| Average earning assets | $74,512,000 | 4,403 |
| Average equity | $23,850,500 | 2,821 |
| Average total loans | $59,633,500 | 4,099 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8245% | 1,488 |
| Cost of funding earning assets | 0.3693% | 4,166 |
| Net interest margin | 4.4552% | 828 |
| Noninterest income to average assets | 0.1932% | 4,750 |
| Noninterest expense to average assets | 2.9656% | 2,147 |
| Loan and lease loss provision to assets | 0.1082% | 2,035 |
| Net operating income to assets | 0.5649% | 4,511 |
| Return on assets (ROA) | 0.5092% | 4,643 |
| Pretax return on assets | 0.6709% | 4,488 |
| Return on Equity (ROE) | 1.7723% | 5,077 |
| Retained earnings to average equity (ytd only) | 1.7723% | 4,440 |
| Net charge-offs to loans | -0.0554% | 5,007 |
| Credit loss provision to net charge-offs | -317.8571% | 4,550 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7318% | 1,156 |
| Assets per employee ($millions) | 9.9660% | 343 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8775% | 596 |
| Loan loss allowance to noncurrent loans | 61.2740% | 4,092 |
| Noncurrent assets plus other real estate owned to assets | 2.5052% | 304 |
| Noncurrent loans to loans | 3.0642% | 324 |
| Net loans and leases to total assets | 63.3353% | 3,424 |
| Net loans and leases to deposits | 106.6737% | 342 |
| Net loans and leases to core deposits | 120.3126% | 532 |
| Total domestic deposits to total assets | 59.3730% | 5,325 |
| Equity capital to assets | 26.4477% | 95 |
| Core capital (leverage) ratio | 28.9985% | 75 |
| Tier 1 risk-based capital ratio | 32.4475% | 387 |
| Total risk-based capital ratio | 33.6993% | 382 |
| Memoranda: | ||
| Average total assets | $82,278,000 | 4,398 |
| Average earning assets | $66,887,600 | 4,542 |
| Average equity | $23,642,000 | 2,763 |
| Average total loans | $50,506,800 | 4,308 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8686% | 1,240 |
| Cost of funding earning assets | 0.3190% | 4,385 |
| Net interest margin | 4.5496% | 673 |
| Noninterest income to average assets | 0.2420% | 4,530 |
| Noninterest expense to average assets | 3.0537% | 1,872 |
| Loan and lease loss provision to assets | 0.0199% | 3,609 |
| Net operating income to assets | 0.6725% | 4,315 |
| Return on assets (ROA) | 0.6764% | 4,312 |
| Pretax return on assets | 0.8621% | 4,140 |
| Return on Equity (ROE) | 2.3029% | 5,096 |
| Retained earnings to average equity (ytd only) | 2.3029% | 4,469 |
| Net charge-offs to loans | -0.0767% | 5,084 |
| Credit loss provision to net charge-offs | -42.8571% | 4,148 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6887% | 1,148 |
| Assets per employee ($millions) | 8.9222% | 457 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9009% | 593 |
| Loan loss allowance to noncurrent loans | 51.8480% | 4,368 |
| Noncurrent assets plus other real estate owned to assets | 3.2951% | 199 |
| Noncurrent loans to loans | 3.6663% | 252 |
| Net loans and leases to total assets | 64.9091% | 3,314 |
| Net loans and leases to deposits | 96.9658% | 1,045 |
| Net loans and leases to core deposits | 110.5451% | 999 |
| Total domestic deposits to total assets | 66.9402% | 5,306 |
| Equity capital to assets | 29.6600% | 65 |
| Core capital (leverage) ratio | 30.6214% | 63 |
| Tier 1 risk-based capital ratio | 34.7038% | 329 |
| Total risk-based capital ratio | 35.9551% | 326 |
| Memoranda: | ||
| Average total assets | $80,424,000 | 4,465 |
| Average earning assets | $65,205,500 | 4,620 |
| Average equity | $23,622,000 | 2,773 |
| Average total loans | $48,659,750 | 4,386 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9607% | 895 |
| Cost of funding earning assets | 0.3156% | 4,306 |
| Net interest margin | 4.6451% | 501 |
| Noninterest income to average assets | 0.2363% | 4,600 |
| Noninterest expense to average assets | 2.9721% | 2,129 |
| Loan and lease loss provision to assets | 0.0298% | 3,310 |
| Net operating income to assets | 0.7884% | 3,891 |
| Return on assets (ROA) | 0.7884% | 3,892 |
| Pretax return on assets | 1.0048% | 3,648 |
| Return on Equity (ROE) | 2.6650% | 5,068 |
| Retained earnings to average equity (ytd only) | 2.6650% | 4,186 |
| Net charge-offs to loans | -0.1187% | 5,212 |
| Credit loss provision to net charge-offs | -42.8571% | 4,000 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1775% | 1,685 |
| Assets per employee ($millions) | 9.0271% | 439 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0525% | 474 |
| Loan loss allowance to noncurrent loans | 46.3728% | 4,485 |
| Noncurrent assets plus other real estate owned to assets | 3.5400% | 176 |
| Noncurrent loans to loans | 4.4261% | 181 |
| Net loans and leases to total assets | 59.3250% | 3,871 |
| Net loans and leases to deposits | 87.7492% | 2,139 |
| Net loans and leases to core deposits | 100.5193% | 1,691 |
| Total domestic deposits to total assets | 67.6075% | 5,346 |
| Equity capital to assets | 29.4569% | 70 |
| Core capital (leverage) ratio | 30.2323% | 69 |
| Tier 1 risk-based capital ratio | 35.9667% | 309 |
| Total risk-based capital ratio | 37.2192% | 298 |
| Memoranda: | ||
| Average total assets | $80,414,000 | 4,509 |
| Average earning assets | $65,273,000 | 4,673 |
| Average equity | $23,790,000 | 2,771 |
| Average total loans | $47,169,000 | 4,458 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2026% | 485 |
| Cost of funding earning assets | 0.3140% | 4,235 |
| Net interest margin | 4.8886% | 283 |
| Noninterest income to average assets | 0.2399% | 4,565 |
| Noninterest expense to average assets | 3.0885% | 1,856 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.8796% | 3,372 |
| Return on assets (ROA) | 0.8796% | 3,388 |
| Pretax return on assets | 1.1195% | 3,098 |
| Return on Equity (ROE) | 2.9698% | 5,024 |
| Retained earnings to average equity (ytd only) | 2.9698% | 4,010 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3967% | 1,983 |
| Assets per employee ($millions) | 8.9586% | 446 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0886% | 467 |
| Loan loss allowance to noncurrent loans | 43.3036% | 4,573 |
| Noncurrent assets plus other real estate owned to assets | 3.6439% | 193 |
| Noncurrent loans to loans | 4.8232% | 164 |
| Net loans and leases to total assets | 56.3980% | 4,093 |
| Net loans and leases to deposits | 83.4088% | 2,460 |
| Net loans and leases to core deposits | 95.6399% | 2,003 |
| Total domestic deposits to total assets | 67.6163% | 5,429 |
| Equity capital to assets | 29.4145% | 69 |
| Core capital (leverage) ratio | 30.6514% | 62 |
| Tier 1 risk-based capital ratio | 36.6083% | 287 |
| Total risk-based capital ratio | 37.8598% | 280 |
| Memoranda: | ||
| Average total assets | $80,039,000 | 4,566 |
| Average earning assets | $64,968,000 | 4,731 |
| Average equity | $23,705,000 | 2,799 |
| Average total loans | $46,149,500 | 4,533 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6937% | 1,213 |
| Cost of funding earning assets | 0.3043% | 4,093 |
| Net interest margin | 4.3894% | 786 |
| Noninterest income to average assets | 0.2782% | 4,467 |
| Noninterest expense to average assets | 3.0902% | 1,888 |
| Loan and lease loss provision to assets | 0.1724% | 1,272 |
| Net operating income to assets | -0.3062% | 5,478 |
| Return on assets (ROA) | -0.3134% | 5,480 |
| Pretax return on assets | 0.5450% | 4,853 |
| Return on Equity (ROE) | -1.0354% | 5,431 |
| Retained earnings to average equity (ytd only) | -1.0354% | 5,191 |
| Net charge-offs to loans | -0.0185% | 4,938 |
| Credit loss provision to net charge-offs | -1,712.5000% | 5,142 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.9163% | 1,023 |
| Assets per employee ($millions) | 8.8279% | 474 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1153% | 435 |
| Loan loss allowance to noncurrent loans | 44.7005% | 4,593 |
| Noncurrent assets plus other real estate owned to assets | 3.6098% | 182 |
| Noncurrent loans to loans | 4.7321% | 160 |
| Net loans and leases to total assets | 56.4965% | 4,142 |
| Net loans and leases to deposits | 84.0014% | 2,490 |
| Net loans and leases to core deposits | 96.5727% | 1,976 |
| Total domestic deposits to total assets | 67.2565% | 5,490 |
| Equity capital to assets | 29.8222% | 64 |
| Core capital (leverage) ratio | 30.3525% | 60 |
| Tier 1 risk-based capital ratio | 36.8097% | 278 |
| Total risk-based capital ratio | 38.0618% | 274 |
| Memoranda: | ||
| Average total assets | $79,445,400 | 4,603 |
| Average earning assets | $64,086,200 | 4,784 |
| Average equity | $24,049,800 | 2,747 |
| Average total loans | $43,126,800 | 4,637 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8151% | 902 |
| Cost of funding earning assets | 0.2998% | 4,135 |
| Net interest margin | 4.5153% | 581 |
| Noninterest income to average assets | 0.2870% | 4,474 |
| Noninterest expense to average assets | 3.1099% | 1,772 |
| Loan and lease loss provision to assets | 0.2299% | 791 |
| Net operating income to assets | 0.4117% | 4,973 |
| Return on assets (ROA) | 0.4011% | 5,027 |
| Pretax return on assets | 0.5723% | 4,889 |
| Return on Equity (ROE) | 1.3201% | 5,393 |
| Retained earnings to average equity (ytd only) | 1.3201% | 4,875 |
| Net charge-offs to loans | -0.0251% | 4,925 |
| Credit loss provision to net charge-offs | -1,712.5000% | 5,042 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1880% | 1,190 |
| Assets per employee ($millions) | 8.0261% | 622 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1960% | 408 |
| Loan loss allowance to noncurrent loans | 37.0229% | 4,817 |
| Noncurrent assets plus other real estate owned to assets | 4.2536% | 152 |
| Noncurrent loans to loans | 5.9314% | 105 |
| Net loans and leases to total assets | 53.8269% | 4,429 |
| Net loans and leases to deposits | 80.5497% | 2,913 |
| Net loans and leases to core deposits | 92.5929% | 2,388 |
| Total domestic deposits to total assets | 66.8245% | 5,570 |
| Equity capital to assets | 30.2725% | 62 |
| Core capital (leverage) ratio | 31.1454% | 58 |
| Tier 1 risk-based capital ratio | 37.4210% | 274 |
| Total risk-based capital ratio | 38.6743% | 269 |
| Memoranda: | ||
| Average total assets | $79,444,000 | 4,646 |
| Average earning assets | $64,047,000 | 4,835 |
| Average equity | $24,138,750 | 2,770 |
| Average total loans | $42,444,250 | 4,703 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5588% | 1,364 |
| Cost of funding earning assets | 0.2879% | 4,210 |
| Net interest margin | 4.2709% | 938 |
| Noninterest income to average assets | 0.2728% | 4,591 |
| Noninterest expense to average assets | 3.1627% | 1,676 |
| Loan and lease loss provision to assets | 0.3082% | 483 |
| Net operating income to assets | 0.2001% | 5,397 |
| Return on assets (ROA) | 0.1819% | 5,426 |
| Pretax return on assets | 0.2274% | 5,408 |
| Return on Equity (ROE) | 0.5979% | 5,517 |
| Retained earnings to average equity (ytd only) | 0.5979% | 4,954 |
| Net charge-offs to loans | 0.0573% | 2,112 |
| Credit loss provision to net charge-offs | 1,016.6667% | 381 |
| Earnings coverage of net charge-offs (x) | 18.4167% | 1,879 |
| Efficiency ratio | 84.9966% | 761 |
| Assets per employee ($millions) | 7.9528% | 633 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1564% | 461 |
| Loan loss allowance to noncurrent loans | 25.0000% | 5,050 |
| Noncurrent assets plus other real estate owned to assets | 5.4182% | 88 |
| Noncurrent loans to loans | 8.6257% | 38 |
| Net loans and leases to total assets | 53.3447% | 4,451 |
| Net loans and leases to deposits | 79.9036% | 2,920 |
| Net loans and leases to core deposits | 91.4310% | 2,379 |
| Total domestic deposits to total assets | 66.7614% | 5,626 |
| Equity capital to assets | 30.4232% | 56 |
| Core capital (leverage) ratio | 30.9238% | 56 |
| Tier 1 risk-based capital ratio | 37.5040% | 252 |
| Total risk-based capital ratio | 38.8088% | 248 |
| Memoranda: | ||
| Average total assets | $79,171,670 | 4,680 |
| Average earning assets | $63,920,330 | 4,870 |
| Average equity | $24,086,000 | 2,774 |
| Average total loans | $41,868,330 | 4,747 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9434% | 3,229 |
| Cost of funding earning assets | 0.2879% | 4,164 |
| Net interest margin | 3.6554% | 2,674 |
| Noninterest income to average assets | 0.2431% | 4,789 |
| Noninterest expense to average assets | 3.0332% | 2,073 |
| Loan and lease loss provision to assets | 0.2532% | 585 |
| Net operating income to assets | -0.0203% | 5,616 |
| Return on assets (ROA) | -0.0203% | 5,621 |
| Pretax return on assets | -0.0861% | 5,637 |
| Return on Equity (ROE) | -0.0666% | 5,613 |
| Retained earnings to average equity (ytd only) | -0.0666% | 4,923 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.7785% | 354 |
| Assets per employee ($millions) | 7.9392% | 637 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1312% | 523 |
| Loan loss allowance to noncurrent loans | 23.8875% | 5,140 |
| Noncurrent assets plus other real estate owned to assets | 5.1164% | 111 |
| Noncurrent loans to loans | 8.9220% | 44 |
| Net loans and leases to total assets | 50.6109% | 4,623 |
| Net loans and leases to deposits | 75.7032% | 3,230 |
| Net loans and leases to core deposits | 85.6902% | 2,746 |
| Total domestic deposits to total assets | 66.8543% | 5,696 |
| Equity capital to assets | 30.3746% | 63 |
| Core capital (leverage) ratio | 31.1473% | 62 |
| Tier 1 risk-based capital ratio | 38.7083% | 242 |
| Total risk-based capital ratio | 40.0927% | 235 |
| Memoranda: | ||
| Average total assets | $78,993,500 | 4,733 |
| Average earning assets | $63,905,000 | 4,920 |
| Average equity | $24,031,500 | 2,788 |
| Average total loans | $41,123,000 | 4,809 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0689% | 2,956 |
| Cost of funding earning assets | 0.2969% | 4,097 |
| Net interest margin | 3.7721% | 2,421 |
| Noninterest income to average assets | 0.5523% | 2,903 |
| Noninterest expense to average assets | 3.0926% | 2,061 |
| Loan and lease loss provision to assets | 0.5434% | 248 |
| Net operating income to assets | -0.0120% | 5,654 |
| Return on assets (ROA) | 0.0166% | 5,651 |
| Pretax return on assets | -0.0013% | 5,657 |
| Return on Equity (ROE) | 0.0542% | 5,660 |
| Retained earnings to average equity (ytd only) | 0.0542% | 5,288 |
| Net charge-offs to loans | 2.2982% | 56 |
| Credit loss provision to net charge-offs | 44.6429% | 3,447 |
| Earnings coverage of net charge-offs (x) | 0.4086% | 4,105 |
| Efficiency ratio | 86.1467% | 809 |
| Assets per employee ($millions) | 8.7328% | 457 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0029% | 656 |
| Loan loss allowance to noncurrent loans | 33.7561% | 5,024 |
| Noncurrent assets plus other real estate owned to assets | 3.6173% | 233 |
| Noncurrent loans to loans | 5.9335% | 103 |
| Net loans and leases to total assets | 51.3582% | 4,660 |
| Net loans and leases to deposits | 76.8872% | 3,217 |
| Net loans and leases to core deposits | 86.6648% | 2,796 |
| Total domestic deposits to total assets | 66.7969% | 5,743 |
| Equity capital to assets | 30.4701% | 63 |
| Core capital (leverage) ratio | 31.3270% | 61 |
| Tier 1 risk-based capital ratio | 39.5057% | 227 |
| Total risk-based capital ratio | 40.8049% | 224 |
| Memoranda: | ||
| Average total assets | $78,218,400 | 4,764 |
| Average earning assets | $62,989,400 | 4,961 |
| Average equity | $23,968,400 | 2,802 |
| Average total loans | $41,424,200 | 4,834 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1563% | 2,655 |
| Cost of funding earning assets | 0.2970% | 4,132 |
| Net interest margin | 3.8593% | 2,121 |
| Noninterest income to average assets | 0.5359% | 3,002 |
| Noninterest expense to average assets | 3.1334% | 1,944 |
| Loan and lease loss provision to assets | 0.4130% | 344 |
| Net operating income to assets | 0.0956% | 5,630 |
| Return on assets (ROA) | 0.1553% | 5,604 |
| Pretax return on assets | 0.1536% | 5,621 |
| Return on Equity (ROE) | 0.5061% | 5,700 |
| Retained earnings to average equity (ytd only) | 0.5061% | 5,228 |
| Net charge-offs to loans | 0.2764% | 837 |
| Credit loss provision to net charge-offs | 281.3953% | 1,093 |
| Earnings coverage of net charge-offs (x) | 3.4536% | 3,414 |
| Efficiency ratio | 86.0759% | 814 |
| Assets per employee ($millions) | 8.6309% | 460 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7362% | 92 |
| Loan loss allowance to noncurrent loans | 36.7984% | 5,037 |
| Noncurrent assets plus other real estate owned to assets | 5.8369% | 106 |
| Noncurrent loans to loans | 10.1531% | 34 |
| Net loans and leases to total assets | 50.0193% | 4,821 |
| Net loans and leases to deposits | 75.6371% | 3,442 |
| Net loans and leases to core deposits | 86.0859% | 2,942 |
| Total domestic deposits to total assets | 66.1307% | 5,813 |
| Equity capital to assets | 31.0435% | 61 |
| Core capital (leverage) ratio | 32.1223% | 60 |
| Tier 1 risk-based capital ratio | 40.0616% | 222 |
| Total risk-based capital ratio | 41.3466% | 219 |
| Memoranda: | ||
| Average total assets | $78,124,250 | 4,803 |
| Average earning assets | $62,842,750 | 5,006 |
| Average equity | $23,973,500 | 2,819 |
| Average total loans | $41,482,750 | 4,873 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2822% | 2,215 |
| Cost of funding earning assets | 0.2957% | 4,182 |
| Net interest margin | 3.9866% | 1,683 |
| Noninterest income to average assets | 0.5111% | 3,115 |
| Noninterest expense to average assets | 3.0513% | 2,204 |
| Loan and lease loss provision to assets | 0.5418% | 228 |
| Net operating income to assets | 0.0960% | 5,670 |
| Return on assets (ROA) | 0.1738% | 5,627 |
| Pretax return on assets | 0.2223% | 5,591 |
| Return on Equity (ROE) | 0.5679% | 5,745 |
| Retained earnings to average equity (ytd only) | 0.5679% | 5,139 |
| Net charge-offs to loans | 0.0669% | 2,236 |
| Credit loss provision to net charge-offs | 1,514.2857% | 262 |
| Earnings coverage of net charge-offs (x) | 18.5714% | 1,815 |
| Efficiency ratio | 82.1183% | 1,253 |
| Assets per employee ($millions) | 8.5227% | 476 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8305% | 96 |
| Loan loss allowance to noncurrent loans | 38.0929% | 5,094 |
| Noncurrent assets plus other real estate owned to assets | 5.3100% | 133 |
| Noncurrent loans to loans | 10.0556% | 37 |
| Net loans and leases to total assets | 50.7340% | 4,791 |
| Net loans and leases to deposits | 77.0015% | 3,269 |
| Net loans and leases to core deposits | 88.4171% | 2,691 |
| Total domestic deposits to total assets | 65.8870% | 5,889 |
| Equity capital to assets | 31.3178% | 60 |
| Core capital (leverage) ratio | 32.0541% | 58 |
| Tier 1 risk-based capital ratio | 40.0210% | 229 |
| Total risk-based capital ratio | 41.2865% | 226 |
| Memoranda: | ||
| Average total assets | $78,261,000 | 4,857 |
| Average earning assets | $62,911,330 | 5,051 |
| Average equity | $23,947,670 | 2,835 |
| Average total loans | $41,856,330 | 4,905 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0274% | 3,124 |
| Cost of funding earning assets | 0.2953% | 4,214 |
| Net interest margin | 3.7321% | 2,549 |
| Noninterest income to average assets | 0.5567% | 2,766 |
| Noninterest expense to average assets | 2.9656% | 2,500 |
| Loan and lease loss provision to assets | 0.2530% | 690 |
| Net operating income to assets | 0.2361% | 5,460 |
| Return on assets (ROA) | 0.2885% | 5,416 |
| Pretax return on assets | 0.4200% | 5,264 |
| Return on Equity (ROE) | 0.9536% | 5,699 |
| Retained earnings to average equity (ytd only) | 0.9536% | 4,856 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.2386% | 1,234 |
| Assets per employee ($millions) | 8.6906% | 442 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2848% | 169 |
| Loan loss allowance to noncurrent loans | 32.4687% | 5,238 |
| Noncurrent assets plus other real estate owned to assets | 5.5258% | 142 |
| Noncurrent loans to loans | 10.1167% | 43 |
| Net loans and leases to total assets | 52.7776% | 4,550 |
| Net loans and leases to deposits | 79.5131% | 2,864 |
| Net loans and leases to core deposits | 90.2453% | 2,349 |
| Total domestic deposits to total assets | 66.3760% | 5,960 |
| Equity capital to assets | 30.6156% | 59 |
| Core capital (leverage) ratio | 31.9950% | 59 |
| Tier 1 risk-based capital ratio | 39.5746% | 239 |
| Total risk-based capital ratio | 40.8367% | 235 |
| Memoranda: | ||
| Average total assets | $79,039,500 | 4,878 |
| Average earning assets | $63,664,500 | 5,084 |
| Average equity | $23,910,500 | 2,844 |
| Average total loans | $42,552,000 | 4,914 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1048% | 2,894 |
| Cost of funding earning assets | 0.3422% | 3,774 |
| Net interest margin | 3.7626% | 2,513 |
| Noninterest income to average assets | 0.2320% | 5,205 |
| Noninterest expense to average assets | 2.7812% | 3,313 |
| Loan and lease loss provision to assets | 0.2181% | 949 |
| Net operating income to assets | 0.0705% | 5,791 |
| Return on assets (ROA) | 0.0883% | 5,813 |
| Pretax return on assets | 0.2963% | 5,522 |
| Return on Equity (ROE) | 0.2910% | 5,864 |
| Retained earnings to average equity (ytd only) | 0.2910% | 5,395 |
| Net charge-offs to loans | -0.0349% | 5,455 |
| Credit loss provision to net charge-offs | -1,153.3333% | 5,576 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.1080% | 1,078 |
| Assets per employee ($millions) | 7.9864% | 556 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1870% | 181 |
| Loan loss allowance to noncurrent loans | 32.9034% | 5,267 |
| Noncurrent assets plus other real estate owned to assets | 5.1500% | 166 |
| Noncurrent loans to loans | 9.6860% | 46 |
| Net loans and leases to total assets | 51.4249% | 4,743 |
| Net loans and leases to deposits | 80.9931% | 2,709 |
| Net loans and leases to core deposits | 91.1593% | 2,299 |
| Total domestic deposits to total assets | 63.4929% | 6,054 |
| Equity capital to assets | 29.8946% | 62 |
| Core capital (leverage) ratio | 30.4570% | 59 |
| Tier 1 risk-based capital ratio | 40.4615% | 224 |
| Total risk-based capital ratio | 41.7244% | 221 |
| Memoranda: | ||
| Average total assets | $79,318,400 | 4,888 |
| Average earning assets | $63,997,600 | 5,088 |
| Average equity | $24,057,800 | 2,780 |
| Average total loans | $42,940,800 | 4,896 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0593% | 3,104 |
| Cost of funding earning assets | 0.3445% | 3,816 |
| Net interest margin | 3.7148% | 2,696 |
| Noninterest income to average assets | 0.2341% | 5,258 |
| Noninterest expense to average assets | 2.7144% | 3,512 |
| Loan and lease loss provision to assets | 0.1515% | 1,438 |
| Net operating income to assets | 0.2536% | 5,570 |
| Return on assets (ROA) | 0.2795% | 5,589 |
| Pretax return on assets | 0.4008% | 5,463 |
| Return on Equity (ROE) | 0.9182% | 5,869 |
| Retained earnings to average equity (ytd only) | 0.9182% | 5,343 |
| Net charge-offs to loans | -0.1084% | 5,814 |
| Credit loss provision to net charge-offs | -257.1429% | 5,231 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.0459% | 1,166 |
| Assets per employee ($millions) | 8.0558% | 525 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0243% | 235 |
| Loan loss allowance to noncurrent loans | 34.0375% | 5,352 |
| Noncurrent assets plus other real estate owned to assets | 4.7059% | 220 |
| Noncurrent loans to loans | 8.8853% | 55 |
| Net loans and leases to total assets | 51.3071% | 4,825 |
| Net loans and leases to deposits | 80.7155% | 2,797 |
| Net loans and leases to core deposits | 90.9235% | 2,364 |
| Total domestic deposits to total assets | 63.5654% | 6,135 |
| Equity capital to assets | 29.8257% | 66 |
| Core capital (leverage) ratio | 30.9693% | 62 |
| Tier 1 risk-based capital ratio | 40.7171% | 238 |
| Total risk-based capital ratio | 41.9779% | 238 |
| Memoranda: | ||
| Average total assets | $79,182,000 | 4,948 |
| Average earning assets | $63,851,750 | 5,152 |
| Average equity | $24,103,500 | 2,794 |
| Average total loans | $43,070,500 | 4,945 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1266% | 2,798 |
| Cost of funding earning assets | 0.3470% | 3,844 |
| Net interest margin | 3.7795% | 2,405 |
| Noninterest income to average assets | 0.2337% | 5,285 |
| Noninterest expense to average assets | 2.7082% | 3,569 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.3848% | 5,184 |
| Return on assets (ROA) | 0.4090% | 5,216 |
| Pretax return on assets | 0.6046% | 4,963 |
| Return on Equity (ROE) | 1.3345% | 5,828 |
| Retained earnings to average equity (ytd only) | 1.3345% | 5,012 |
| Net charge-offs to loans | -0.0231% | 5,220 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.6357% | 1,417 |
| Assets per employee ($millions) | 7.7744% | 587 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7114% | 371 |
| Loan loss allowance to noncurrent loans | 56.0403% | 4,846 |
| Noncurrent assets plus other real estate owned to assets | 2.6883% | 670 |
| Noncurrent loans to loans | 4.8382% | 249 |
| Net loans and leases to total assets | 53.9540% | 4,563 |
| Net loans and leases to deposits | 86.7998% | 1,968 |
| Net loans and leases to core deposits | 99.1280% | 1,560 |
| Total domestic deposits to total assets | 62.1591% | 6,229 |
| Equity capital to assets | 31.0609% | 62 |
| Core capital (leverage) ratio | 31.4614% | 63 |
| Tier 1 risk-based capital ratio | 41.3131% | 237 |
| Total risk-based capital ratio | 42.5728% | 236 |
| Memoranda: | ||
| Average total assets | $78,723,330 | 5,001 |
| Average earning assets | $63,394,330 | 5,211 |
| Average equity | $24,129,000 | 2,797 |
| Average total loans | $43,220,330 | 4,984 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0580% | 3,006 |
| Cost of funding earning assets | 0.3507% | 3,855 |
| Net interest margin | 3.7073% | 2,596 |
| Noninterest income to average assets | 0.2213% | 5,371 |
| Noninterest expense to average assets | 2.6754% | 3,674 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.3371% | 5,293 |
| Return on assets (ROA) | 0.3822% | 5,256 |
| Pretax return on assets | 0.5934% | 4,933 |
| Return on Equity (ROE) | 1.2384% | 5,863 |
| Retained earnings to average equity (ytd only) | 1.2384% | 4,992 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.6478% | 1,416 |
| Assets per employee ($millions) | 7.9636% | 558 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7702% | 378 |
| Loan loss allowance to noncurrent loans | 51.4134% | 4,982 |
| Noncurrent assets plus other real estate owned to assets | 2.8480% | 689 |
| Noncurrent loans to loans | 5.3882% | 221 |
| Net loans and leases to total assets | 51.3009% | 4,720 |
| Net loans and leases to deposits | 81.8324% | 2,353 |
| Net loans and leases to core deposits | 92.9683% | 1,853 |
| Total domestic deposits to total assets | 62.6902% | 6,296 |
| Equity capital to assets | 30.8679% | 66 |
| Core capital (leverage) ratio | 30.9064% | 64 |
| Tier 1 risk-based capital ratio | 44.2330% | 207 |
| Total risk-based capital ratio | 45.4920% | 208 |
| Memoranda: | ||
| Average total assets | $79,539,500 | 5,038 |
| Average earning assets | $63,874,500 | 5,250 |
| Average equity | $24,548,500 | 2,781 |
| Average total loans | $43,273,000 | 5,009 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4728% | 1,980 |
| Cost of funding earning assets | 0.4311% | 3,370 |
| Net interest margin | 4.0416% | 1,767 |
| Noninterest income to average assets | 0.2420% | 5,392 |
| Noninterest expense to average assets | 2.7237% | 3,776 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.4544% | 4,996 |
| Return on assets (ROA) | 0.5584% | 4,660 |
| Pretax return on assets | 0.9145% | 3,852 |
| Return on Equity (ROE) | 1.8550% | 5,805 |
| Retained earnings to average equity (ytd only) | 1.8550% | 4,876 |
| Net charge-offs to loans | -0.1494% | 6,212 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.3649% | 2,153 |
| Assets per employee ($millions) | 7.2221% | 748 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6141% | 476 |
| Loan loss allowance to noncurrent loans | 40.3047% | 5,371 |
| Noncurrent assets plus other real estate owned to assets | 3.6403% | 499 |
| Noncurrent loans to loans | 6.4858% | 164 |
| Net loans and leases to total assets | 54.5850% | 4,504 |
| Net loans and leases to deposits | 87.0361% | 1,842 |
| Net loans and leases to core deposits | 99.0679% | 1,464 |
| Total domestic deposits to total assets | 62.7154% | 6,376 |
| Equity capital to assets | 30.8586% | 65 |
| Core capital (leverage) ratio | 30.9486% | 63 |
| Tier 1 risk-based capital ratio | 45.8995% | 163 |
| Total risk-based capital ratio | 47.1608% | 163 |
| Memoranda: | ||
| Average total assets | $80,588,000 | 5,050 |
| Average earning assets | $64,479,200 | 5,267 |
| Average equity | $24,258,800 | 2,732 |
| Average total loans | $46,175,000 | 4,949 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1410% | 3,205 |
| Cost of funding earning assets | 0.4429% | 3,337 |
| Net interest margin | 3.6980% | 3,030 |
| Noninterest income to average assets | 0.2341% | 5,534 |
| Noninterest expense to average assets | 2.7136% | 3,780 |
| Loan and lease loss provision to assets | 0.0742% | 2,858 |
| Net operating income to assets | 0.2393% | 5,756 |
| Return on assets (ROA) | 0.3775% | 5,409 |
| Pretax return on assets | 0.6215% | 4,962 |
| Return on Equity (ROE) | 1.2620% | 5,997 |
| Retained earnings to average equity (ytd only) | 1.2620% | 5,392 |
| Net charge-offs to loans | 0.0687% | 3,216 |
| Credit loss provision to net charge-offs | 187.5000% | 1,339 |
| Earnings coverage of net charge-offs (x) | 12.1247% | 2,345 |
| Efficiency ratio | 84.9768% | 1,287 |
| Assets per employee ($millions) | 7.2280% | 726 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4570% | 679 |
| Loan loss allowance to noncurrent loans | 42.4012% | 5,381 |
| Noncurrent assets plus other real estate owned to assets | 3.3141% | 663 |
| Noncurrent loans to loans | 5.7945% | 254 |
| Net loans and leases to total assets | 55.7252% | 4,367 |
| Net loans and leases to deposits | 88.4917% | 1,612 |
| Net loans and leases to core deposits | 101.4123% | 1,254 |
| Total domestic deposits to total assets | 62.9723% | 6,450 |
| Equity capital to assets | 30.4913% | 65 |
| Core capital (leverage) ratio | 30.6068% | 63 |
| Tier 1 risk-based capital ratio | 45.7295% | 171 |
| Total risk-based capital ratio | 46.9900% | 170 |
| Memoranda: | ||
| Average total assets | $80,874,250 | 5,097 |
| Average earning assets | $64,717,250 | 5,310 |
| Average equity | $24,194,750 | 2,746 |
| Average total loans | $46,586,750 | 4,978 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2102% | 2,913 |
| Cost of funding earning assets | 0.4545% | 3,278 |
| Net interest margin | 3.7557% | 2,736 |
| Noninterest income to average assets | 0.2336% | 5,526 |
| Noninterest expense to average assets | 2.6927% | 3,895 |
| Loan and lease loss provision to assets | 0.0738% | 2,796 |
| Net operating income to assets | 0.2786% | 5,639 |
| Return on assets (ROA) | 0.3935% | 5,316 |
| Pretax return on assets | 0.6541% | 4,774 |
| Return on Equity (ROE) | 1.3235% | 5,987 |
| Retained earnings to average equity (ytd only) | 1.3235% | 5,216 |
| Net charge-offs to loans | -0.0255% | 5,628 |
| Credit loss provision to net charge-offs | -500.0000% | 5,558 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.0804% | 1,620 |
| Assets per employee ($millions) | 7.3247% | 690 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4571% | 753 |
| Loan loss allowance to noncurrent loans | 43.3832% | 5,402 |
| Noncurrent assets plus other real estate owned to assets | 3.2393% | 761 |
| Noncurrent loans to loans | 5.6638% | 300 |
| Net loans and leases to total assets | 55.7241% | 4,322 |
| Net loans and leases to deposits | 87.7617% | 1,619 |
| Net loans and leases to core deposits | 100.1874% | 1,272 |
| Total domestic deposits to total assets | 63.4948% | 6,515 |
| Equity capital to assets | 30.0874% | 64 |
| Core capital (leverage) ratio | 30.0240% | 62 |
| Tier 1 risk-based capital ratio | 43.9217% | 185 |
| Total risk-based capital ratio | 45.1807% | 183 |
| Memoranda: | ||
| Average total assets | $81,329,670 | 5,128 |
| Average earning assets | $65,127,330 | 5,346 |
| Average equity | $24,178,670 | 2,736 |
| Average total loans | $46,975,000 | 5,001 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1601% | 3,031 |
| Cost of funding earning assets | 0.4708% | 3,222 |
| Net interest margin | 3.6893% | 2,908 |
| Noninterest income to average assets | 0.2399% | 5,441 |
| Noninterest expense to average assets | 2.6582% | 4,088 |
| Loan and lease loss provision to assets | 0.0734% | 2,673 |
| Net operating income to assets | 0.3121% | 5,448 |
| Return on assets (ROA) | 0.4406% | 5,033 |
| Pretax return on assets | 0.7392% | 4,352 |
| Return on Equity (ROE) | 1.4909% | 5,929 |
| Retained earnings to average equity (ytd only) | 1.4909% | 5,015 |
| Net charge-offs to loans | -0.3962% | 6,521 |
| Credit loss provision to net charge-offs | -31.9149% | 4,714 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.2874% | 2,016 |
| Assets per employee ($millions) | 9.1552% | 323 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4591% | 853 |
| Loan loss allowance to noncurrent loans | 50.0433% | 5,195 |
| Noncurrent assets plus other real estate owned to assets | 2.8096% | 1,057 |
| Noncurrent loans to loans | 4.9140% | 458 |
| Net loans and leases to total assets | 55.6962% | 4,184 |
| Net loans and leases to deposits | 86.4973% | 1,533 |
| Net loans and leases to core deposits | 98.1773% | 1,225 |
| Total domestic deposits to total assets | 64.3907% | 6,579 |
| Equity capital to assets | 29.3627% | 70 |
| Core capital (leverage) ratio | 29.9207% | 66 |
| Tier 1 risk-based capital ratio | 44.0926% | 184 |
| Total risk-based capital ratio | 45.3528% | 185 |
| Memoranda: | ||
| Average total assets | $81,708,500 | 5,169 |
| Average earning assets | $67,113,500 | 5,351 |
| Average equity | $24,147,000 | 2,742 |
| Average total loans | $47,448,000 | 5,028 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3045% | 2,945 |
| Cost of funding earning assets | 0.6650% | 2,072 |
| Net interest margin | 3.6394% | 3,284 |
| Noninterest income to average assets | 0.2137% | 5,804 |
| Noninterest expense to average assets | 2.5214% | 4,700 |
| Loan and lease loss provision to assets | 0.0720% | 3,669 |
| Net operating income to assets | 0.3230% | 5,443 |
| Return on assets (ROA) | 0.3230% | 5,544 |
| Pretax return on assets | 0.6232% | 4,796 |
| Return on Equity (ROE) | 1.1202% | 6,061 |
| Retained earnings to average equity (ytd only) | 1.1202% | 5,326 |
| Net charge-offs to loans | 0.1025% | 3,804 |
| Credit loss provision to net charge-offs | 117.6471% | 2,046 |
| Earnings coverage of net charge-offs (x) | 11.3529% | 2,252 |
| Efficiency ratio | 78.3875% | 2,403 |
| Assets per employee ($millions) | 9.0022% | 330 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2885% | 1,055 |
| Loan loss allowance to noncurrent loans | 54.4776% | 5,069 |
| Noncurrent assets plus other real estate owned to assets | 2.4846% | 1,384 |
| Noncurrent loans to loans | 4.2009% | 667 |
| Net loans and leases to total assets | 57.7043% | 4,084 |
| Net loans and leases to deposits | 90.2618% | 1,217 |
| Net loans and leases to core deposits | 103.3216% | 950 |
| Total domestic deposits to total assets | 63.9299% | 6,669 |
| Equity capital to assets | 29.7457% | 68 |
| Core capital (leverage) ratio | 29.6624% | 65 |
| Tier 1 risk-based capital ratio | 43.3152% | 186 |
| Total risk-based capital ratio | 44.5740% | 187 |
| Memoranda: | ||
| Average total assets | $83,286,200 | 5,154 |
| Average earning assets | $68,719,400 | 5,332 |
| Average equity | $24,012,800 | 2,730 |
| Average total loans | $49,748,400 | 4,965 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3349% | 2,853 |
| Cost of funding earning assets | 0.6839% | 2,070 |
| Net interest margin | 3.6509% | 3,231 |
| Noninterest income to average assets | 0.2083% | 5,929 |
| Noninterest expense to average assets | 2.5504% | 4,550 |
| Loan and lease loss provision to assets | 0.0954% | 3,170 |
| Net operating income to assets | 0.2528% | 5,772 |
| Return on assets (ROA) | 0.2528% | 5,868 |
| Pretax return on assets | 0.5756% | 5,109 |
| Return on Equity (ROE) | 0.8836% | 6,200 |
| Retained earnings to average equity (ytd only) | 0.8836% | 5,623 |
| Net charge-offs to loans | 0.1354% | 3,183 |
| Credit loss provision to net charge-offs | 117.6471% | 1,998 |
| Earnings coverage of net charge-offs (x) | 8.2743% | 2,647 |
| Efficiency ratio | 79.1708% | 2,238 |
| Assets per employee ($millions) | 9.0959% | 301 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2693% | 1,226 |
| Loan loss allowance to noncurrent loans | 44.2424% | 5,470 |
| Noncurrent assets plus other real estate owned to assets | 3.0270% | 1,219 |
| Noncurrent loans to loans | 5.1292% | 568 |
| Net loans and leases to total assets | 57.6060% | 4,074 |
| Net loans and leases to deposits | 89.6250% | 1,209 |
| Net loans and leases to core deposits | 103.5939% | 901 |
| Total domestic deposits to total assets | 64.2745% | 6,742 |
| Equity capital to assets | 29.3722% | 64 |
| Core capital (leverage) ratio | 29.2284% | 63 |
| Tier 1 risk-based capital ratio | 44.4776% | 179 |
| Total risk-based capital ratio | 45.7373% | 177 |
| Memoranda: | ||
| Average total assets | $83,852,750 | 5,194 |
| Average earning assets | $69,204,000 | 5,379 |
| Average equity | $23,991,000 | 2,758 |
| Average total loans | $50,223,750 | 4,989 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4171% | 2,498 |
| Cost of funding earning assets | 0.7051% | 2,032 |
| Net interest margin | 3.7120% | 2,911 |
| Noninterest income to average assets | 0.1349% | 6,380 |
| Noninterest expense to average assets | 2.5321% | 4,620 |
| Loan and lease loss provision to assets | 0.1420% | 2,557 |
| Net operating income to assets | 0.3597% | 5,363 |
| Return on assets (ROA) | 0.3597% | 5,544 |
| Pretax return on assets | 0.5253% | 5,287 |
| Return on Equity (ROE) | 1.2681% | 6,152 |
| Retained earnings to average equity (ytd only) | 1.2681% | 5,389 |
| Net charge-offs to loans | 0.2005% | 2,561 |
| Credit loss provision to net charge-offs | 117.6471% | 1,886 |
| Earnings coverage of net charge-offs (x) | 5.5294% | 2,878 |
| Efficiency ratio | 79.1420% | 2,277 |
| Assets per employee ($millions) | 9.3186% | 266 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1897% | 1,442 |
| Loan loss allowance to noncurrent loans | 43.2464% | 5,480 |
| Noncurrent assets plus other real estate owned to assets | 3.0727% | 1,314 |
| Noncurrent loans to loans | 5.0634% | 631 |
| Net loans and leases to total assets | 58.3197% | 3,934 |
| Net loans and leases to deposits | 89.5314% | 1,188 |
| Net loans and leases to core deposits | 103.8296% | 850 |
| Total domestic deposits to total assets | 65.1389% | 6,772 |
| Equity capital to assets | 28.6692% | 65 |
| Core capital (leverage) ratio | 28.6877% | 61 |
| Tier 1 risk-based capital ratio | 41.5900% | 210 |
| Total risk-based capital ratio | 42.8475% | 209 |
| Memoranda: | ||
| Average total assets | $84,516,000 | 5,210 |
| Average earning assets | $69,773,670 | 5,401 |
| Average equity | $23,973,000 | 2,775 |
| Average total loans | $50,880,670 | 4,987 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1535% | 3,499 |
| Cost of funding earning assets | 0.7266% | 2,018 |
| Net interest margin | 3.4269% | 4,022 |
| Noninterest income to average assets | 0.3300% | 5,062 |
| Noninterest expense to average assets | 2.5695% | 4,503 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.4102% | 5,086 |
| Return on assets (ROA) | 0.4102% | 5,237 |
| Pretax return on assets | 0.5846% | 5,004 |
| Return on Equity (ROE) | 1.4538% | 6,103 |
| Retained earnings to average equity (ytd only) | 1.4538% | 5,260 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.4649% | 2,121 |
| Assets per employee ($millions) | 8.4175% | 408 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1454% | 1,700 |
| Loan loss allowance to noncurrent loans | 25.2089% | 6,189 |
| Noncurrent assets plus other real estate owned to assets | 6.0386% | 529 |
| Noncurrent loans to loans | 8.5105% | 295 |
| Net loans and leases to total assets | 58.8465% | 3,642 |
| Net loans and leases to deposits | 89.9947% | 965 |
| Net loans and leases to core deposits | 105.5374% | 655 |
| Total domestic deposits to total assets | 65.3888% | 6,858 |
| Equity capital to assets | 28.4847% | 69 |
| Core capital (leverage) ratio | 28.4160% | 66 |
| Tier 1 risk-based capital ratio | 40.2151% | 227 |
| Total risk-based capital ratio | 41.4728% | 225 |
| Memoranda: | ||
| Average total assets | $84,840,500 | 5,239 |
| Average earning assets | $69,917,500 | 5,439 |
| Average equity | $23,937,500 | 2,806 |
| Average total loans | $51,318,000 | 5,012 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4663% | 3,545 |
| Cost of funding earning assets | 0.9561% | 1,608 |
| Net interest margin | 3.5103% | 4,456 |
| Noninterest income to average assets | 0.4035% | 4,580 |
| Noninterest expense to average assets | 2.7199% | 4,336 |
| Loan and lease loss provision to assets | 0.0375% | 5,409 |
| Net operating income to assets | 0.4539% | 4,874 |
| Return on assets (ROA) | 0.4539% | 5,114 |
| Pretax return on assets | 0.5571% | 5,114 |
| Return on Equity (ROE) | 1.6698% | 5,986 |
| Retained earnings to average equity (ytd only) | 1.6698% | 5,025 |
| Net charge-offs to loans | 1.2394% | 803 |
| Credit loss provision to net charge-offs | 4.7619% | 5,451 |
| Earnings coverage of net charge-offs (x) | 0.7545% | 5,100 |
| Efficiency ratio | 82.0594% | 1,859 |
| Assets per employee ($millions) | 8.5506% | 395 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0878% | 1,800 |
| Loan loss allowance to noncurrent loans | 23.6292% | 6,304 |
| Noncurrent assets plus other real estate owned to assets | 6.3843% | 521 |
| Noncurrent loans to loans | 8.8357% | 303 |
| Net loans and leases to total assets | 59.5631% | 3,676 |
| Net loans and leases to deposits | 90.1400% | 1,062 |
| Net loans and leases to core deposits | 104.7339% | 746 |
| Total domestic deposits to total assets | 66.0784% | 6,897 |
| Equity capital to assets | 27.9489% | 73 |
| Core capital (leverage) ratio | 28.0721% | 68 |
| Tier 1 risk-based capital ratio | 40.7913% | 228 |
| Total risk-based capital ratio | 42.0495% | 222 |
| Memoranda: | ||
| Average total assets | $85,262,000 | 5,207 |
| Average earning assets | $70,706,800 | 5,401 |
| Average equity | $23,176,800 | 2,831 |
| Average total loans | $54,219,000 | 4,930 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5615% | 3,379 |
| Cost of funding earning assets | 1.0118% | 1,489 |
| Net interest margin | 3.5497% | 4,439 |
| Noninterest income to average assets | 0.3787% | 4,791 |
| Noninterest expense to average assets | 2.8168% | 3,928 |
| Loan and lease loss provision to assets | 0.0501% | 5,138 |
| Net operating income to assets | 0.4288% | 5,122 |
| Return on assets (ROA) | 0.4288% | 5,362 |
| Pretax return on assets | 0.4601% | 5,563 |
| Return on Equity (ROE) | 1.5886% | 6,132 |
| Retained earnings to average equity (ytd only) | 1.5886% | 5,543 |
| Net charge-offs to loans | 1.5775% | 536 |
| Credit loss provision to net charge-offs | 4.9383% | 5,128 |
| Earnings coverage of net charge-offs (x) | 0.5031% | 5,068 |
| Efficiency ratio | 84.6660% | 1,513 |
| Assets per employee ($millions) | 8.5353% | 392 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0723% | 1,972 |
| Loan loss allowance to noncurrent loans | 25.6588% | 6,317 |
| Noncurrent assets plus other real estate owned to assets | 6.1181% | 646 |
| Noncurrent loans to loans | 8.0763% | 380 |
| Net loans and leases to total assets | 61.4554% | 3,484 |
| Net loans and leases to deposits | 92.2933% | 942 |
| Net loans and leases to core deposits | 107.9767% | 652 |
| Total domestic deposits to total assets | 66.5870% | 6,963 |
| Equity capital to assets | 27.1918% | 82 |
| Core capital (leverage) ratio | 27.3583% | 73 |
| Tier 1 risk-based capital ratio | 39.2611% | 257 |
| Total risk-based capital ratio | 40.5189% | 251 |
| Memoranda: | ||
| Average total assets | $85,201,000 | 5,269 |
| Average earning assets | $70,765,000 | 5,466 |
| Average equity | $22,996,500 | 2,877 |
| Average total loans | $54,769,750 | 4,963 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5893% | 3,418 |
| Cost of funding earning assets | 1.0541% | 1,444 |
| Net interest margin | 3.5352% | 4,527 |
| Noninterest income to average assets | 0.3523% | 5,022 |
| Noninterest expense to average assets | 2.7833% | 4,082 |
| Loan and lease loss provision to assets | 0.0752% | 4,685 |
| Net operating income to assets | 0.4369% | 5,086 |
| Return on assets (ROA) | 0.4369% | 5,312 |
| Pretax return on assets | 0.4322% | 5,626 |
| Return on Equity (ROE) | 1.6226% | 6,159 |
| Retained earnings to average equity (ytd only) | 1.6226% | 5,394 |
| Net charge-offs to loans | 2.2910% | 320 |
| Credit loss provision to net charge-offs | 5.0633% | 4,784 |
| Earnings coverage of net charge-offs (x) | 0.3418% | 4,909 |
| Efficiency ratio | 84.5824% | 1,575 |
| Assets per employee ($millions) | 8.5424% | 380 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0629% | 2,073 |
| Loan loss allowance to noncurrent loans | 42.3149% | 5,540 |
| Noncurrent assets plus other real estate owned to assets | 4.0492% | 1,256 |
| Noncurrent loans to loans | 4.8751% | 1,033 |
| Net loans and leases to total assets | 62.5796% | 3,318 |
| Net loans and leases to deposits | 93.6791% | 803 |
| Net loans and leases to core deposits | 109.0156% | 614 |
| Total domestic deposits to total assets | 66.8021% | 7,029 |
| Equity capital to assets | 27.0240% | 79 |
| Core capital (leverage) ratio | 27.2288% | 75 |
| Tier 1 risk-based capital ratio | 38.5053% | 263 |
| Total risk-based capital ratio | 39.7632% | 255 |
| Memoranda: | ||
| Average total assets | $85,150,330 | 5,299 |
| Average earning assets | $70,773,000 | 5,499 |
| Average equity | $22,925,670 | 2,859 |
| Average total loans | $55,171,670 | 4,982 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6085% | 3,462 |
| Cost of funding earning assets | 1.1153% | 1,318 |
| Net interest margin | 3.4932% | 4,739 |
| Noninterest income to average assets | 0.6399% | 2,988 |
| Noninterest expense to average assets | 2.8090% | 3,995 |
| Loan and lease loss provision to assets | 0.1506% | 3,485 |
| Net operating income to assets | 0.4705% | 4,958 |
| Return on assets (ROA) | 0.4705% | 5,148 |
| Pretax return on assets | 0.5834% | 5,170 |
| Return on Equity (ROE) | 1.7509% | 6,146 |
| Retained earnings to average equity (ytd only) | 1.7509% | 5,363 |
| Net charge-offs to loans | 3.8150% | 158 |
| Credit loss provision to net charge-offs | 6.0491% | 3,945 |
| Earnings coverage of net charge-offs (x) | 0.2949% | 4,216 |
| Efficiency ratio | 79.2829% | 2,305 |
| Assets per employee ($millions) | 8.5377% | 385 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2404% | 1,794 |
| Loan loss allowance to noncurrent loans | 41.4363% | 5,535 |
| Noncurrent assets plus other real estate owned to assets | 4.5293% | 1,177 |
| Noncurrent loans to loans | 5.4068% | 995 |
| Net loans and leases to total assets | 62.8132% | 3,090 |
| Net loans and leases to deposits | 93.7634% | 685 |
| Net loans and leases to core deposits | 106.9117% | 643 |
| Total domestic deposits to total assets | 66.9911% | 7,083 |
| Equity capital to assets | 26.8972% | 75 |
| Core capital (leverage) ratio | 27.0178% | 73 |
| Tier 1 risk-based capital ratio | 39.0272% | 249 |
| Total risk-based capital ratio | 40.2868% | 243 |
| Memoranda: | ||
| Average total assets | $85,013,500 | 5,338 |
| Average earning assets | $70,652,500 | 5,539 |
| Average equity | $22,846,000 | 2,870 |
| Average total loans | $55,465,500 | 4,997 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8461% | 3,599 |
| Cost of funding earning assets | 1.4680% | 808 |
| Net interest margin | 3.3781% | 5,552 |
| Noninterest income to average assets | 0.4364% | 4,324 |
| Noninterest expense to average assets | 2.3999% | 5,775 |
| Loan and lease loss provision to assets | 1.9624% | 308 |
| Net operating income to assets | -0.5482% | 6,523 |
| Return on assets (ROA) | -0.4248% | 6,487 |
| Pretax return on assets | -0.8935% | 6,688 |
| Return on Equity (ROE) | -1.5916% | 6,305 |
| Retained earnings to average equity (ytd only) | -1.5916% | 6,103 |
| Net charge-offs to loans | 0.3120% | 3,840 |
| Credit loss provision to net charge-offs | 918.9189% | 248 |
| Earnings coverage of net charge-offs (x) | 4.1027% | 3,268 |
| Efficiency ratio | 73.2558% | 3,350 |
| Assets per employee ($millions) | 8.4650% | 395 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0781% | 760 |
| Loan loss allowance to noncurrent loans | 395.8716% | 846 |
| Noncurrent assets plus other real estate owned to assets | 1.6728% | 3,445 |
| Noncurrent loans to loans | 0.7775% | 5,128 |
| Net loans and leases to total assets | 64.2032% | 3,141 |
| Net loans and leases to deposits | 95.7725% | 684 |
| Net loans and leases to core deposits | 109.1851% | 647 |
| Total domestic deposits to total assets | 67.0372% | 7,106 |
| Equity capital to assets | 26.8494% | 86 |
| Core capital (leverage) ratio | 27.1514% | 81 |
| Tier 1 risk-based capital ratio | 38.3487% | 264 |
| Total risk-based capital ratio | 39.6182% | 258 |
| Memoranda: | ||
| Average total assets | $86,627,000 | 5,274 |
| Average earning assets | $72,821,200 | 5,451 |
| Average equity | $23,121,400 | 2,767 |
| Average total loans | $59,291,800 | 4,888 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9001% | 3,556 |
| Cost of funding earning assets | 1.4996% | 862 |
| Net interest margin | 3.4005% | 5,566 |
| Noninterest income to average assets | 0.4362% | 4,392 |
| Noninterest expense to average assets | 2.3629% | 5,874 |
| Loan and lease loss provision to assets | 2.5864% | 164 |
| Net operating income to assets | -1.0374% | 6,900 |
| Return on assets (ROA) | -0.8739% | 6,871 |
| Pretax return on assets | -1.3911% | 6,994 |
| Return on Equity (ROE) | -3.2787% | 6,576 |
| Retained earnings to average equity (ytd only) | -3.2787% | 6,444 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5477% | 3,647 |
| Assets per employee ($millions) | 8.6206% | 381 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5010% | 564 |
| Loan loss allowance to noncurrent loans | 180.8587% | 1,697 |
| Noncurrent assets plus other real estate owned to assets | 1.9256% | 3,230 |
| Noncurrent loans to loans | 1.9358% | 3,453 |
| Net loans and leases to total assets | 64.6510% | 3,175 |
| Net loans and leases to deposits | 95.4725% | 730 |
| Net loans and leases to core deposits | 108.3962% | 754 |
| Total domestic deposits to total assets | 67.7169% | 7,153 |
| Equity capital to assets | 26.1177% | 108 |
| Core capital (leverage) ratio | 26.4249% | 99 |
| Tier 1 risk-based capital ratio | 37.8074% | 285 |
| Total risk-based capital ratio | 39.0834% | 279 |
| Memoranda: | ||
| Average total assets | $87,121,250 | 5,295 |
| Average earning assets | $73,438,250 | 5,464 |
| Average equity | $23,219,750 | 2,761 |
| Average total loans | $60,096,250 | 4,899 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8812% | 3,702 |
| Cost of funding earning assets | 1.5259% | 918 |
| Net interest margin | 3.3553% | 5,696 |
| Noninterest income to average assets | 0.4324% | 4,412 |
| Noninterest expense to average assets | 2.4112% | 5,811 |
| Loan and lease loss provision to assets | 0.1373% | 4,590 |
| Net operating income to assets | -0.4504% | 6,652 |
| Return on assets (ROA) | -0.2059% | 6,516 |
| Pretax return on assets | 1.0981% | 2,859 |
| Return on Equity (ROE) | -0.7674% | 6,377 |
| Retained earnings to average equity (ytd only) | -0.7674% | 6,008 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8612% | 3,385 |
| Assets per employee ($millions) | 8.7122% | 360 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6589% | 7,075 |
| Loan loss allowance to noncurrent loans | 23.7001% | 6,587 |
| Noncurrent assets plus other real estate owned to assets | 2.3197% | 2,839 |
| Noncurrent loans to loans | 2.7800% | 2,623 |
| Net loans and leases to total assets | 67.8416% | 2,651 |
| Net loans and leases to deposits | 100.8601% | 453 |
| Net loans and leases to core deposits | 113.2063% | 605 |
| Total domestic deposits to total assets | 67.2631% | 7,227 |
| Equity capital to assets | 26.6844% | 109 |
| Core capital (leverage) ratio | 26.8641% | 100 |
| Tier 1 risk-based capital ratio | 38.0364% | 277 |
| Total risk-based capital ratio | 38.6719% | 284 |
| Memoranda: | ||
| Average total assets | $87,426,330 | 5,327 |
| Average earning assets | $73,793,670 | 5,501 |
| Average equity | $23,454,670 | 2,706 |
| Average total loans | $60,876,670 | 4,918 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9534% | 3,315 |
| Cost of funding earning assets | 1.5625% | 943 |
| Net interest margin | 3.3909% | 5,463 |
| Noninterest income to average assets | 0.3700% | 4,953 |
| Noninterest expense to average assets | 2.4938% | 5,575 |
| Loan and lease loss provision to assets | 0.1370% | 4,298 |
| Net operating income to assets | 0.5024% | 4,480 |
| Return on assets (ROA) | 0.5024% | 4,563 |
| Pretax return on assets | 0.5938% | 4,707 |
| Return on Equity (ROE) | 1.8677% | 5,835 |
| Retained earnings to average equity (ytd only) | 1.8677% | 4,995 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.3371% | 2,937 |
| Assets per employee ($millions) | 8.8219% | 343 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5950% | 7,207 |
| Loan loss allowance to noncurrent loans | 24.2303% | 6,593 |
| Noncurrent assets plus other real estate owned to assets | 2.1061% | 3,183 |
| Noncurrent loans to loans | 2.4555% | 3,038 |
| Net loans and leases to total assets | 68.5578% | 2,438 |
| Net loans and leases to deposits | 101.8319% | 385 |
| Net loans and leases to core deposits | 115.1076% | 559 |
| Total domestic deposits to total assets | 67.3245% | 7,290 |
| Equity capital to assets | 26.7663% | 96 |
| Core capital (leverage) ratio | 27.0121% | 93 |
| Tier 1 risk-based capital ratio | 37.2825% | 293 |
| Total risk-based capital ratio | 37.8469% | 304 |
| Memoranda: | ||
| Average total assets | $87,578,500 | 5,367 |
| Average earning assets | $73,726,500 | 5,548 |
| Average equity | $23,558,000 | 2,683 |
| Average total loans | $61,566,500 | 4,923 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3390% | 2,938 |
| Cost of funding earning assets | 1.7664% | 1,315 |
| Net interest margin | 3.5726% | 4,952 |
| Noninterest income to average assets | 0.6874% | 2,919 |
| Noninterest expense to average assets | 2.4851% | 5,851 |
| Loan and lease loss provision to assets | 0.1897% | 5,334 |
| Net operating income to assets | 0.8414% | 2,627 |
| Return on assets (ROA) | 0.8414% | 2,760 |
| Pretax return on assets | 0.9954% | 2,945 |
| Return on Equity (ROE) | 3.1853% | 4,877 |
| Retained earnings to average equity (ytd only) | 3.1853% | 3,638 |
| Net charge-offs to loans | 0.0689% | 6,111 |
| Credit loss provision to net charge-offs | 366.6667% | 693 |
| Earnings coverage of net charge-offs (x) | 22.9111% | 922 |
| Efficiency ratio | 67.7106% | 4,622 |
| Assets per employee ($millions) | 8.6938% | 378 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5330% | 7,332 |
| Loan loss allowance to noncurrent loans | 30.7692% | 6,245 |
| Noncurrent assets plus other real estate owned to assets | 1.6702% | 3,794 |
| Noncurrent loans to loans | 1.7322% | 3,901 |
| Net loans and leases to total assets | 71.2669% | 2,243 |
| Net loans and leases to deposits | 106.3109% | 313 |
| Net loans and leases to core deposits | 119.8275% | 533 |
| Total domestic deposits to total assets | 67.0363% | 7,360 |
| Equity capital to assets | 27.0342% | 99 |
| Core capital (leverage) ratio | 27.2826% | 102 |
| Tier 1 risk-based capital ratio | 36.5272% | 308 |
| Total risk-based capital ratio | 37.0367% | 318 |
| Memoranda: | ||
| Average total assets | $86,997,000 | 5,379 |
| Average earning assets | $72,635,400 | 5,578 |
| Average equity | $22,980,400 | 2,765 |
| Average total loans | $65,276,800 | 4,856 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4530% | 2,634 |
| Cost of funding earning assets | 1.8023% | 1,411 |
| Net interest margin | 3.6507% | 4,632 |
| Noninterest income to average assets | 0.7248% | 2,680 |
| Noninterest expense to average assets | 2.4594% | 5,857 |
| Loan and lease loss provision to assets | 0.2222% | 4,835 |
| Net operating income to assets | 0.8995% | 2,610 |
| Return on assets (ROA) | 0.8995% | 2,762 |
| Pretax return on assets | 1.0849% | 2,875 |
| Return on Equity (ROE) | 3.4252% | 5,040 |
| Retained earnings to average equity (ytd only) | 3.4252% | 4,044 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2970% | 5,002 |
| Assets per employee ($millions) | 8.6297% | 393 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5571% | 7,405 |
| Loan loss allowance to noncurrent loans | 49.5146% | 4,988 |
| Noncurrent assets plus other real estate owned to assets | 0.9838% | 5,118 |
| Noncurrent loans to loans | 1.1251% | 4,986 |
| Net loans and leases to total assets | 73.8461% | 1,836 |
| Net loans and leases to deposits | 110.5335% | 246 |
| Net loans and leases to core deposits | 124.6909% | 482 |
| Total domestic deposits to total assets | 66.8088% | 7,438 |
| Equity capital to assets | 27.0681% | 112 |
| Core capital (leverage) ratio | 27.3183% | 102 |
| Tier 1 risk-based capital ratio | 35.5009% | 337 |
| Total risk-based capital ratio | 36.0366% | 346 |
| Memoranda: | ||
| Average total assets | $87,011,750 | 5,442 |
| Average earning assets | $72,496,250 | 5,651 |
| Average equity | $22,849,750 | 2,824 |
| Average total loans | $66,023,500 | 4,905 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3689% | 3,112 |
| Cost of funding earning assets | 1.8457% | 1,450 |
| Net interest margin | 3.5232% | 5,143 |
| Noninterest income to average assets | 0.7542% | 2,366 |
| Noninterest expense to average assets | 2.5284% | 5,615 |
| Loan and lease loss provision to assets | 0.0550% | 6,407 |
| Net operating income to assets | 0.9169% | 2,487 |
| Return on assets (ROA) | 0.9169% | 2,588 |
| Pretax return on assets | 1.0980% | 2,791 |
| Return on Equity (ROE) | 3.5273% | 5,005 |
| Retained earnings to average equity (ytd only) | 3.5273% | 3,862 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6800% | 4,443 |
| Assets per employee ($millions) | 8.6939% | 378 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3559% | 7,629 |
| Loan loss allowance to noncurrent loans | 22.1181% | 6,840 |
| Noncurrent assets plus other real estate owned to assets | 1.3745% | 4,423 |
| Noncurrent loans to loans | 1.6089% | 4,299 |
| Net loans and leases to total assets | 76.0096% | 1,491 |
| Net loans and leases to deposits | 112.9394% | 216 |
| Net loans and leases to core deposits | 128.2299% | 457 |
| Total domestic deposits to total assets | 67.3012% | 7,460 |
| Equity capital to assets | 26.6532% | 117 |
| Core capital (leverage) ratio | 26.9029% | 109 |
| Tier 1 risk-based capital ratio | 32.0059% | 428 |
| Total risk-based capital ratio | 32.3278% | 450 |
| Memoranda: | ||
| Average total assets | $87,250,000 | 5,476 |
| Average earning assets | $72,491,330 | 5,690 |
| Average equity | $22,680,000 | 2,838 |
| Average total loans | $66,670,000 | 4,913 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3965% | 3,050 |
| Cost of funding earning assets | 1.8968% | 1,463 |
| Net interest margin | 3.4997% | 5,157 |
| Noninterest income to average assets | 0.8878% | 1,674 |
| Noninterest expense to average assets | 2.6268% | 5,240 |
| Loan and lease loss provision to assets | 0.0549% | 6,108 |
| Net operating income to assets | 0.9793% | 2,260 |
| Return on assets (ROA) | 0.9793% | 2,319 |
| Pretax return on assets | 1.0938% | 2,756 |
| Return on Equity (ROE) | 3.8156% | 4,975 |
| Retained earnings to average equity (ytd only) | 3.8156% | 3,853 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5758% | 4,400 |
| Assets per employee ($millions) | 8.6977% | 390 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3352% | 7,732 |
| Loan loss allowance to noncurrent loans | 27.7228% | 6,550 |
| Noncurrent assets plus other real estate owned to assets | 1.1256% | 4,907 |
| Noncurrent loans to loans | 1.2090% | 4,945 |
| Net loans and leases to total assets | 76.5812% | 1,418 |
| Net loans and leases to deposits | 115.3905% | 190 |
| Net loans and leases to core deposits | 130.4581% | 482 |
| Total domestic deposits to total assets | 66.3670% | 7,603 |
| Equity capital to assets | 25.9160% | 133 |
| Core capital (leverage) ratio | 26.1682% | 120 |
| Tier 1 risk-based capital ratio | 33.7057% | 386 |
| Total risk-based capital ratio | 34.0363% | 406 |
| Memoranda: | ||
| Average total assets | $87,405,500 | 5,534 |
| Average earning assets | $72,120,500 | 5,771 |
| Average equity | $22,434,000 | 2,886 |
| Average total loans | $66,846,000 | 4,973 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7332% | 2,941 |
| Cost of funding earning assets | 2.2052% | 2,004 |
| Net interest margin | 3.5280% | 4,827 |
| Noninterest income to average assets | 0.5311% | 4,170 |
| Noninterest expense to average assets | 2.7248% | 5,275 |
| Loan and lease loss provision to assets | 0.1986% | 5,749 |
| Net operating income to assets | 0.4288% | 4,009 |
| Return on assets (ROA) | 0.4399% | 4,088 |
| Pretax return on assets | 0.5530% | 4,040 |
| Return on Equity (ROE) | 1.7462% | 5,002 |
| Retained earnings to average equity (ytd only) | 1.7462% | 3,864 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.6929% | 3,095 |
| Assets per employee ($millions) | 7.3195% | 703 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3171% | 7,818 |
| Loan loss allowance to noncurrent loans | 76.2590% | 3,587 |
| Noncurrent assets plus other real estate owned to assets | 0.5112% | 6,176 |
| Noncurrent loans to loans | 0.4158% | 6,444 |
| Net loans and leases to total assets | 75.8795% | 1,830 |
| Net loans and leases to deposits | 113.3489% | 279 |
| Net loans and leases to core deposits | 149.1207% | 530 |
| Total domestic deposits to total assets | 66.9433% | 7,605 |
| Equity capital to assets | 25.4195% | 151 |
| Core capital (leverage) ratio | 25.6709% | 145 |
| Tier 1 risk-based capital ratio | 33.1614% | 405 |
| Total risk-based capital ratio | 33.4721% | 430 |
| Memoranda: | ||
| Average total assets | $86,612,600 | 5,501 |
| Average earning assets | $71,966,200 | 5,753 |
| Average equity | $21,819,200 | 2,967 |
| Average total loans | $67,205,000 | 4,972 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7680% | 3,030 |
| Cost of funding earning assets | 2.2396% | 2,236 |
| Net interest margin | 3.5284% | 4,751 |
| Noninterest income to average assets | 0.5546% | 4,045 |
| Noninterest expense to average assets | 2.7761% | 4,994 |
| Loan and lease loss provision to assets | 0.2534% | 4,926 |
| Net operating income to assets | 0.3712% | 4,515 |
| Return on assets (ROA) | 0.3862% | 4,556 |
| Pretax return on assets | 0.4789% | 4,584 |
| Return on Equity (ROE) | 1.5366% | 5,320 |
| Retained earnings to average equity (ytd only) | 1.5366% | 4,453 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.5485% | 2,916 |
| Assets per employee ($millions) | 7.4381% | 652 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3063% | 7,905 |
| Loan loss allowance to noncurrent loans | 95.7746% | 2,878 |
| Noncurrent assets plus other real estate owned to assets | 0.4571% | 6,314 |
| Noncurrent loans to loans | 0.3198% | 6,718 |
| Net loans and leases to total assets | 74.3998% | 2,409 |
| Net loans and leases to deposits | 113.1141% | 360 |
| Net loans and leases to core deposits | 149.1454% | 602 |
| Total domestic deposits to total assets | 65.7741% | 7,697 |
| Equity capital to assets | 24.9213% | 175 |
| Core capital (leverage) ratio | 25.1703% | 166 |
| Tier 1 risk-based capital ratio | 32.8490% | 448 |
| Total risk-based capital ratio | 33.1463% | 466 |
| Memoranda: | ||
| Average total assets | $86,307,250 | 5,542 |
| Average earning assets | $71,796,250 | 5,789 |
| Average equity | $21,692,250 | 3,012 |
| Average total loans | $67,291,250 | 5,011 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8827% | 2,662 |
| Cost of funding earning assets | 2.2732% | 2,478 |
| Net interest margin | 3.6095% | 4,325 |
| Noninterest income to average assets | 0.6071% | 3,637 |
| Noninterest expense to average assets | 2.8222% | 4,866 |
| Loan and lease loss provision to assets | 0.1500% | 5,572 |
| Net operating income to assets | 0.5568% | 3,852 |
| Return on assets (ROA) | 0.5813% | 3,872 |
| Pretax return on assets | 0.6704% | 4,099 |
| Return on Equity (ROE) | 2.3061% | 5,179 |
| Retained earnings to average equity (ytd only) | 2.3061% | 4,053 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.0804% | 3,336 |
| Assets per employee ($millions) | 7.3236% | 664 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1536% | 8,083 |
| Loan loss allowance to noncurrent loans | 50.0000% | 5,026 |
| Noncurrent assets plus other real estate owned to assets | 0.4836% | 6,230 |
| Noncurrent loans to loans | 0.3071% | 6,748 |
| Net loans and leases to total assets | 76.9500% | 1,959 |
| Net loans and leases to deposits | 116.7536% | 309 |
| Net loans and leases to core deposits | 153.1837% | 581 |
| Total domestic deposits to total assets | 65.9081% | 7,747 |
| Equity capital to assets | 24.6145% | 212 |
| Core capital (leverage) ratio | 24.8608% | 211 |
| Tier 1 risk-based capital ratio | 30.8159% | 553 |
| Total risk-based capital ratio | 30.9622% | 608 |
| Memoranda: | ||
| Average total assets | $85,324,000 | 5,607 |
| Average earning assets | $71,089,330 | 5,851 |
| Average equity | $21,508,330 | 3,031 |
| Average total loans | $67,518,000 | 5,045 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9521% | 2,555 |
| Cost of funding earning assets | 2.3046% | 2,677 |
| Net interest margin | 3.6475% | 4,111 |
| Noninterest income to average assets | 0.5140% | 4,196 |
| Noninterest expense to average assets | 2.9556% | 3,955 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.4742% | 4,545 |
| Return on assets (ROA) | 0.5188% | 4,533 |
| Pretax return on assets | 0.6663% | 4,538 |
| Return on Equity (ROE) | 2.0330% | 5,761 |
| Retained earnings to average equity (ytd only) | 2.0330% | 4,729 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.9105% | 2,424 |
| Assets per employee ($millions) | 7.0613% | 749 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1532% | 8,136 |
| Loan loss allowance to noncurrent loans | 42.7984% | 5,680 |
| Noncurrent assets plus other real estate owned to assets | 0.5405% | 5,859 |
| Noncurrent loans to loans | 0.3581% | 6,535 |
| Net loans and leases to total assets | 79.9696% | 1,392 |
| Net loans and leases to deposits | 123.1472% | 232 |
| Net loans and leases to core deposits | 160.7663% | 481 |
| Total domestic deposits to total assets | 64.9382% | 7,796 |
| Equity capital to assets | 25.3741% | 218 |
| Core capital (leverage) ratio | 25.6269% | 220 |
| Tier 1 risk-based capital ratio | 30.6081% | 596 |
| Total risk-based capital ratio | 30.7542% | 634 |
| Memoranda: | ||
| Average total assets | $84,044,500 | 5,669 |
| Average earning assets | $70,294,000 | 5,900 |
| Average equity | $21,446,500 | 3,053 |
| Average total loans | $67,412,000 | 5,077 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3651% | 3,608 |
| Cost of funding earning assets | 2.3973% | 4,726 |
| Net interest margin | 3.9678% | 3,278 |
| Noninterest income to average assets | 0.5304% | 4,390 |
| Noninterest expense to average assets | 2.6493% | 5,448 |
| Loan and lease loss provision to assets | 2.4668% | 427 |
| Net operating income to assets | -0.5582% | 6,965 |
| Return on assets (ROA) | -0.5550% | 6,850 |
| Pretax return on assets | -1.2309% | 7,131 |
| Return on Equity (ROE) | -2.0202% | 6,502 |
| Retained earnings to average equity (ytd only) | -2.0202% | 5,873 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2772% | 4,674 |
| Assets per employee ($millions) | 6.9461% | 724 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1553% | 8,189 |
| Loan loss allowance to noncurrent loans | 5.3802% | 7,543 |
| Noncurrent assets plus other real estate owned to assets | 2.6070% | 1,843 |
| Noncurrent loans to loans | 2.8869% | 1,866 |
| Net loans and leases to total assets | 80.2047% | 1,610 |
| Net loans and leases to deposits | 123.1156% | 319 |
| Net loans and leases to core deposits | 159.0034% | 594 |
| Total domestic deposits to total assets | 65.1458% | 7,711 |
| Equity capital to assets | 25.6643% | 253 |
| Core capital (leverage) ratio | 25.9203% | 245 |
| Tier 1 risk-based capital ratio | 30.5882% | 609 |
| Total risk-based capital ratio | 30.7349% | 653 |
| Memoranda: | ||
| Average total assets | $81,076,600 | 5,657 |
| Average earning assets | $68,451,800 | 5,874 |
| Average equity | $22,275,000 | 2,940 |
| Average total loans | $62,236,200 | 5,170 |