Home > Patriot Community Bank > Performance and Condition Ratios
Patriot Community Bank, Performance and Condition Ratios
| 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 | 3.3268% | 2,652 |
| Cost of funding earning assets | 0.5036% | 507 |
| Net interest margin | 2.8232% | 3,369 |
| Noninterest income to average assets | 0.2993% | 3,367 |
| Noninterest expense to average assets | 1.9645% | 3,538 |
| Loan and lease loss provision to assets | -0.0599% | 4,537 |
| Net operating income to assets | 0.8586% | 2,740 |
| Return on assets (ROA) | 0.8586% | 2,717 |
| Pretax return on assets | 1.1618% | 2,200 |
| Return on Equity (ROE) | 5.5961% | 3,681 |
| Retained earnings to average equity (ytd only) | 5.5961% | 2,474 |
| 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 | 64.0640% | 2,767 |
| Assets per employee ($millions) | 8.3496% | 1,136 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3444% | 1,982 |
| Loan loss allowance to noncurrent loans | 154.9573% | 2,973 |
| Noncurrent assets plus other real estate owned to assets | 0.5839% | 960 |
| Noncurrent loans to loans | 0.8676% | 982 |
| Net loans and leases to total assets | 66.3920% | 1,643 |
| Net loans and leases to deposits | 79.0831% | 1,461 |
| Net loans and leases to core deposits | 92.1057% | 1,011 |
| Total domestic deposits to total assets | 83.9523% | 3,696 |
| Equity capital to assets | 15.8182% | 346 |
| Core capital (leverage) ratio | 15.5702% | 416 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.8058% | 328 |
| Memoranda: | ||
| Average total assets | $203,820,000 | 3,075 |
| Average earning assets | $199,772,000 | 2,994 |
| Average equity | $31,272,000 | 2,353 |
| Average total loans | $135,154,333 | 2,798 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1936% | 2,710 |
| Cost of funding earning assets | 0.5240% | 441 |
| Net interest margin | 2.6696% | 3,479 |
| Noninterest income to average assets | 0.3814% | 2,804 |
| Noninterest expense to average assets | 2.0649% | 3,259 |
| Loan and lease loss provision to assets | -0.1654% | 4,662 |
| Net operating income to assets | 0.8446% | 2,504 |
| Return on assets (ROA) | 0.8446% | 2,495 |
| Pretax return on assets | 1.1093% | 2,109 |
| Return on Equity (ROE) | 5.5894% | 3,454 |
| Retained earnings to average equity (ytd only) | 5.5894% | 2,382 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6287% | 2,427 |
| Assets per employee ($millions) | 8.4768% | 1,133 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3253% | 2,238 |
| Loan loss allowance to noncurrent loans | 152.9915% | 2,944 |
| Noncurrent assets plus other real estate owned to assets | 0.5751% | 1,033 |
| Noncurrent loans to loans | 0.8663% | 1,082 |
| Net loans and leases to total assets | 65.5093% | 1,461 |
| Net loans and leases to deposits | 77.7266% | 1,307 |
| Net loans and leases to core deposits | 92.2816% | 800 |
| Total domestic deposits to total assets | 84.2816% | 3,713 |
| Equity capital to assets | 15.3640% | 359 |
| Core capital (leverage) ratio | 15.3536% | 393 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.5299% | 355 |
| Memoranda: | ||
| Average total assets | $205,535,000 | 3,073 |
| Average earning assets | $202,281,000 | 2,995 |
| Average equity | $31,059,000 | 2,430 |
| Average total loans | $135,303,500 | 2,795 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2742% | 3,286 |
| Cost of funding earning assets | 0.7208% | 294 |
| Net interest margin | 2.5534% | 4,114 |
| Noninterest income to average assets | 1.3144% | 624 |
| Noninterest expense to average assets | 2.1473% | 3,240 |
| Loan and lease loss provision to assets | 0.1075% | 1,178 |
| Net operating income to assets | 1.1119% | 2,238 |
| Return on assets (ROA) | 1.1119% | 2,299 |
| Pretax return on assets | 1.5603% | 1,540 |
| Return on Equity (ROE) | 7.8187% | 3,275 |
| Retained earnings to average equity (ytd only) | 7.8187% | 1,610 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.2844% | 3,671 |
| Assets per employee ($millions) | 8.6511% | 1,032 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3833% | 1,984 |
| Loan loss allowance to noncurrent loans | 160.1196% | 2,887 |
| Noncurrent assets plus other real estate owned to assets | 0.5640% | 1,175 |
| Noncurrent loans to loans | 0.8639% | 1,178 |
| Net loans and leases to total assets | 64.3789% | 1,658 |
| Net loans and leases to deposits | 76.1129% | 1,558 |
| Net loans and leases to core deposits | 89.7631% | 983 |
| Total domestic deposits to total assets | 84.5834% | 3,396 |
| Equity capital to assets | 14.8637% | 511 |
| Core capital (leverage) ratio | 14.7126% | 502 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.2828% | 385 |
| Memoranda: | ||
| Average total assets | $209,380,200 | 2,990 |
| Average earning assets | $205,060,200 | 2,914 |
| Average equity | $29,774,600 | 2,547 |
| Average total loans | $142,182,800 | 2,704 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3137% | 3,349 |
| Cost of funding earning assets | 0.7629% | 291 |
| Net interest margin | 2.5508% | 4,204 |
| Noninterest income to average assets | 1.5200% | 534 |
| Noninterest expense to average assets | 2.1516% | 3,216 |
| Loan and lease loss provision to assets | 0.1101% | 1,103 |
| Net operating income to assets | 1.2468% | 2,000 |
| Return on assets (ROA) | 1.2468% | 2,064 |
| Pretax return on assets | 1.7507% | 1,277 |
| Return on Equity (ROE) | 8.8667% | 3,149 |
| Retained earnings to average equity (ytd only) | 8.8667% | 1,749 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.6269% | 3,854 |
| Assets per employee ($millions) | 8.9873% | 896 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3457% | 2,249 |
| Loan loss allowance to noncurrent loans | 155.4608% | 2,863 |
| Noncurrent assets plus other real estate owned to assets | 0.5434% | 1,407 |
| Noncurrent loans to loans | 0.8656% | 1,330 |
| Net loans and leases to total assets | 61.9257% | 2,014 |
| Net loans and leases to deposits | 72.7739% | 1,985 |
| Net loans and leases to core deposits | 85.3848% | 1,329 |
| Total domestic deposits to total assets | 85.0932% | 3,084 |
| Equity capital to assets | 14.1288% | 706 |
| Core capital (leverage) ratio | 14.5286% | 554 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.2439% | 469 |
| Memoranda: | ||
| Average total assets | $209,818,500 | 3,022 |
| Average earning assets | $205,004,000 | 2,939 |
| Average equity | $29,503,000 | 2,602 |
| Average total loans | $143,842,750 | 2,727 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3877% | 3,209 |
| Cost of funding earning assets | 0.8138% | 276 |
| Net interest margin | 2.5739% | 4,206 |
| Noninterest income to average assets | 1.9080% | 357 |
| Noninterest expense to average assets | 2.2448% | 2,939 |
| Loan and lease loss provision to assets | 0.2752% | 334 |
| Net operating income to assets | 1.3557% | 1,687 |
| Return on assets (ROA) | 1.3557% | 1,768 |
| Pretax return on assets | 1.9080% | 1,003 |
| Return on Equity (ROE) | 9.6576% | 2,883 |
| Retained earnings to average equity (ytd only) | 9.6576% | 1,505 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.6953% | 4,174 |
| Assets per employee ($millions) | 8.4714% | 1,018 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3239% | 2,318 |
| Loan loss allowance to noncurrent loans | 164.9616% | 2,732 |
| Noncurrent assets plus other real estate owned to assets | 0.5539% | 1,506 |
| Noncurrent loans to loans | 0.8026% | 1,524 |
| Net loans and leases to total assets | 68.0982% | 1,432 |
| Net loans and leases to deposits | 79.8142% | 1,443 |
| Net loans and leases to core deposits | 90.5558% | 1,103 |
| Total domestic deposits to total assets | 85.3209% | 2,979 |
| Equity capital to assets | 14.1186% | 693 |
| Core capital (leverage) ratio | 14.6651% | 514 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.7614% | 557 |
| Memoranda: | ||
| Average total assets | $207,860,000 | 3,037 |
| Average earning assets | $203,501,333 | 2,952 |
| Average equity | $29,179,000 | 2,615 |
| Average total loans | $146,659,667 | 2,721 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4119% | 3,160 |
| Cost of funding earning assets | 0.9004% | 222 |
| Net interest margin | 2.5115% | 4,281 |
| Noninterest income to average assets | 2.1428% | 336 |
| Noninterest expense to average assets | 2.3526% | 2,642 |
| Loan and lease loss provision to assets | 0.1418% | 937 |
| Net operating income to assets | 1.4920% | 1,352 |
| Return on assets (ROA) | 1.4920% | 1,415 |
| Pretax return on assets | 2.1195% | 781 |
| Return on Equity (ROE) | 10.6600% | 2,475 |
| Retained earnings to average equity (ytd only) | 10.6600% | 1,479 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.9895% | 4,097 |
| Assets per employee ($millions) | 8.0239% | 1,191 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1345% | 3,273 |
| Loan loss allowance to noncurrent loans | 125.4916% | 3,049 |
| Noncurrent assets plus other real estate owned to assets | 0.6581% | 1,442 |
| Noncurrent loans to loans | 0.9041% | 1,494 |
| Net loans and leases to total assets | 71.9699% | 1,033 |
| Net loans and leases to deposits | 84.3213% | 1,117 |
| Net loans and leases to core deposits | 98.3867% | 787 |
| Total domestic deposits to total assets | 85.3520% | 2,977 |
| Equity capital to assets | 14.0167% | 667 |
| Core capital (leverage) ratio | 14.5814% | 549 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.8916% | 522 |
| Memoranda: | ||
| Average total assets | $205,898,000 | 3,036 |
| Average earning assets | $202,587,000 | 2,951 |
| Average equity | $28,818,000 | 2,629 |
| Average total loans | $146,911,500 | 2,729 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6926% | 3,589 |
| Cost of funding earning assets | 1.2252% | 254 |
| Net interest margin | 2.4673% | 4,615 |
| Noninterest income to average assets | 1.2157% | 758 |
| Noninterest expense to average assets | 2.0501% | 4,038 |
| Loan and lease loss provision to assets | 0.1090% | 2,985 |
| Net operating income to assets | 1.0736% | 2,009 |
| Return on assets (ROA) | 1.0736% | 2,153 |
| Pretax return on assets | 1.4850% | 1,387 |
| Return on Equity (ROE) | 7.5725% | 2,974 |
| Retained earnings to average equity (ytd only) | 7.5725% | 1,177 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.2580% | 3,955 |
| Assets per employee ($millions) | 7.2562% | 1,416 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1616% | 3,150 |
| Loan loss allowance to noncurrent loans | 120.0146% | 3,085 |
| Noncurrent assets plus other real estate owned to assets | 0.6763% | 1,540 |
| Noncurrent loans to loans | 0.9679% | 1,459 |
| Net loans and leases to total assets | 69.0571% | 1,678 |
| Net loans and leases to deposits | 80.8904% | 1,776 |
| Net loans and leases to core deposits | 95.3516% | 1,159 |
| Total domestic deposits to total assets | 85.3712% | 2,625 |
| Equity capital to assets | 13.9752% | 809 |
| Core capital (leverage) ratio | 14.2385% | 646 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.6020% | 465 |
| Memoranda: | ||
| Average total assets | $192,725,000 | 3,005 |
| Average earning assets | $189,679,000 | 2,913 |
| Average equity | $27,322,600 | 2,655 |
| Average total loans | $137,949,800 | 2,772 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8247% | 3,493 |
| Cost of funding earning assets | 1.2899% | 257 |
| Net interest margin | 2.5348% | 4,630 |
| Noninterest income to average assets | 1.0611% | 924 |
| Noninterest expense to average assets | 1.9833% | 4,189 |
| Loan and lease loss provision to assets | 0.0542% | 3,672 |
| Net operating income to assets | 1.0990% | 1,983 |
| Return on assets (ROA) | 1.0990% | 2,112 |
| Pretax return on assets | 1.5170% | 1,414 |
| Return on Equity (ROE) | 7.7224% | 2,913 |
| Retained earnings to average equity (ytd only) | 7.7224% | 1,406 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.8011% | 3,943 |
| Assets per employee ($millions) | 7.6041% | 1,160 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1369% | 2,998 |
| Loan loss allowance to noncurrent loans | 110.4076% | 3,146 |
| Noncurrent assets plus other real estate owned to assets | 0.6950% | 1,678 |
| Noncurrent loans to loans | 1.0297% | 1,454 |
| Net loans and leases to total assets | 66.7253% | 2,421 |
| Net loans and leases to deposits | 78.2541% | 2,510 |
| Net loans and leases to core deposits | 94.1949% | 1,625 |
| Total domestic deposits to total assets | 85.2675% | 2,332 |
| Equity capital to assets | 14.0972% | 829 |
| Core capital (leverage) ratio | 14.2100% | 666 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.6309% | 425 |
| Memoranda: | ||
| Average total assets | $190,112,750 | 3,010 |
| Average earning assets | $186,991,250 | 2,917 |
| Average equity | $27,054,750 | 2,664 |
| Average total loans | $136,948,500 | 2,783 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0291% | 3,253 |
| Cost of funding earning assets | 1.3412% | 295 |
| Net interest margin | 2.6878% | 4,564 |
| Noninterest income to average assets | 0.9852% | 1,014 |
| Noninterest expense to average assets | 1.9575% | 4,315 |
| Loan and lease loss provision to assets | 0.0629% | 3,507 |
| Net operating income to assets | 1.1728% | 1,716 |
| Return on assets (ROA) | 1.1728% | 1,851 |
| Pretax return on assets | 1.6100% | 1,202 |
| Return on Equity (ROE) | 8.2143% | 2,658 |
| Retained earnings to average equity (ytd only) | 8.2143% | 1,240 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.9207% | 4,189 |
| Assets per employee ($millions) | 8.1616% | 915 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1044% | 3,026 |
| Loan loss allowance to noncurrent loans | 159.8081% | 2,499 |
| Noncurrent assets plus other real estate owned to assets | 0.4789% | 2,403 |
| Noncurrent loans to loans | 0.6911% | 2,144 |
| Net loans and leases to total assets | 68.5248% | 2,263 |
| Net loans and leases to deposits | 80.2412% | 2,396 |
| Net loans and leases to core deposits | 96.8162% | 1,515 |
| Total domestic deposits to total assets | 85.3986% | 2,239 |
| Equity capital to assets | 13.9801% | 860 |
| Core capital (leverage) ratio | 14.2556% | 701 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.3088% | 482 |
| Memoranda: | ||
| Average total assets | $187,581,667 | 3,015 |
| Average earning assets | $184,608,667 | 2,918 |
| Average equity | $26,782,667 | 2,664 |
| Average total loans | $138,119,000 | 2,766 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1961% | 3,220 |
| Cost of funding earning assets | 1.4106% | 373 |
| Net interest margin | 2.7856% | 4,581 |
| Noninterest income to average assets | 0.6411% | 1,858 |
| Noninterest expense to average assets | 1.6987% | 4,782 |
| Loan and lease loss provision to assets | 0.1832% | 1,632 |
| Net operating income to assets | 1.1056% | 1,826 |
| Return on assets (ROA) | 1.1056% | 1,919 |
| Pretax return on assets | 1.4937% | 1,322 |
| Return on Equity (ROE) | 7.6580% | 2,653 |
| Retained earnings to average equity (ytd only) | 7.6580% | 1,328 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.3230% | 4,647 |
| Assets per employee ($millions) | 8.8885% | 549 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0616% | 3,399 |
| Loan loss allowance to noncurrent loans | 162.6467% | 2,403 |
| Noncurrent assets plus other real estate owned to assets | 0.5020% | 2,491 |
| Noncurrent loans to loans | 0.6527% | 2,356 |
| Net loans and leases to total assets | 76.0922% | 1,287 |
| Net loans and leases to deposits | 89.4257% | 1,578 |
| Net loans and leases to core deposits | 108.9093% | 906 |
| Total domestic deposits to total assets | 85.0899% | 2,381 |
| Equity capital to assets | 14.3422% | 944 |
| Core capital (leverage) ratio | 14.7059% | 745 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.9061% | 653 |
| Memoranda: | ||
| Average total assets | $183,433,500 | 3,017 |
| Average earning assets | $180,071,000 | 2,917 |
| Average equity | $26,482,000 | 2,675 |
| Average total loans | $139,316,500 | 2,731 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5726% | 2,702 |
| Cost of funding earning assets | 1.3708% | 616 |
| Net interest margin | 3.2018% | 4,183 |
| Noninterest income to average assets | 0.4692% | 2,906 |
| Noninterest expense to average assets | 2.2926% | 3,961 |
| Loan and lease loss provision to assets | -0.2236% | 5,129 |
| Net operating income to assets | 1.0999% | 2,447 |
| Return on assets (ROA) | 1.0999% | 2,545 |
| Pretax return on assets | 1.5388% | 1,687 |
| Return on Equity (ROE) | 7.9638% | 3,181 |
| Retained earnings to average equity (ytd only) | 7.9638% | 991 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5450% | 3,137 |
| Assets per employee ($millions) | 7.8351% | 761 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0661% | 3,134 |
| Loan loss allowance to noncurrent loans | 153.6820% | 2,554 |
| Noncurrent assets plus other real estate owned to assets | 0.5200% | 2,339 |
| Noncurrent loans to loans | 0.6937% | 2,148 |
| Net loans and leases to total assets | 74.1565% | 1,726 |
| Net loans and leases to deposits | 87.6336% | 1,892 |
| Net loans and leases to core deposits | 107.1531% | 1,032 |
| Total domestic deposits to total assets | 84.6211% | 2,634 |
| Equity capital to assets | 14.5349% | 918 |
| Core capital (leverage) ratio | 14.2456% | 864 |
| Tier 1 risk-based capital ratio | 21.2812% | 1,118 |
| Total risk-based capital ratio | 22.4885% | 1,105 |
| Memoranda: | ||
| Average total assets | $182,022,600 | 2,999 |
| Average earning assets | $178,433,400 | 2,900 |
| Average equity | $25,138,800 | 2,708 |
| Average total loans | $139,389,200 | 2,730 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5848% | 2,774 |
| Cost of funding earning assets | 1.3382% | 701 |
| Net interest margin | 3.2467% | 4,194 |
| Noninterest income to average assets | 0.4260% | 3,170 |
| Noninterest expense to average assets | 2.3498% | 3,823 |
| Loan and lease loss provision to assets | -0.2630% | 5,219 |
| Net operating income to assets | 1.0872% | 2,626 |
| Return on assets (ROA) | 1.0872% | 2,715 |
| Pretax return on assets | 1.5213% | 1,898 |
| Return on Equity (ROE) | 7.9756% | 3,317 |
| Retained earnings to average equity (ytd only) | 7.9756% | 1,404 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1276% | 2,834 |
| Assets per employee ($millions) | 8.9123% | 504 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0566% | 3,243 |
| Loan loss allowance to noncurrent loans | 158.5288% | 2,509 |
| Noncurrent assets plus other real estate owned to assets | 0.5012% | 2,521 |
| Noncurrent loans to loans | 0.6665% | 2,288 |
| Net loans and leases to total assets | 74.4008% | 1,729 |
| Net loans and leases to deposits | 87.0528% | 2,053 |
| Net loans and leases to core deposits | 105.3226% | 1,235 |
| Total domestic deposits to total assets | 85.4663% | 2,228 |
| Equity capital to assets | 13.7114% | 1,267 |
| Core capital (leverage) ratio | 13.7827% | 1,042 |
| Tier 1 risk-based capital ratio | 20.0589% | 1,351 |
| Total risk-based capital ratio | 21.2760% | 1,325 |
| Memoranda: | ||
| Average total assets | $182,476,250 | 3,017 |
| Average earning assets | $178,845,750 | 2,920 |
| Average equity | $24,875,250 | 2,744 |
| Average total loans | $140,467,500 | 2,747 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6008% | 2,674 |
| Cost of funding earning assets | 1.2939% | 753 |
| Net interest margin | 3.3070% | 4,125 |
| Noninterest income to average assets | 0.2753% | 4,097 |
| Noninterest expense to average assets | 2.3834% | 3,781 |
| Loan and lease loss provision to assets | -0.3239% | 5,277 |
| Net operating income to assets | 1.0392% | 2,771 |
| Return on assets (ROA) | 1.0392% | 2,842 |
| Pretax return on assets | 1.4537% | 2,014 |
| Return on Equity (ROE) | 7.6382% | 3,439 |
| Retained earnings to average equity (ytd only) | 7.6382% | 1,545 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8414% | 2,559 |
| Assets per employee ($millions) | 9.1716% | 435 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0643% | 3,266 |
| Loan loss allowance to noncurrent loans | 621.6000% | 845 |
| Noncurrent assets plus other real estate owned to assets | 0.1298% | 4,106 |
| Noncurrent loans to loans | 0.1712% | 3,937 |
| Net loans and leases to total assets | 75.0010% | 1,723 |
| Net loans and leases to deposits | 86.8845% | 2,146 |
| Net loans and leases to core deposits | 104.4822% | 1,344 |
| Total domestic deposits to total assets | 86.3227% | 1,882 |
| Equity capital to assets | 13.0288% | 1,574 |
| Core capital (leverage) ratio | 13.8688% | 1,004 |
| Tier 1 risk-based capital ratio | 18.8958% | 1,576 |
| Total risk-based capital ratio | 20.1044% | 1,554 |
| Memoranda: | ||
| Average total assets | $180,915,670 | 3,044 |
| Average earning assets | $177,142,000 | 2,948 |
| Average equity | $24,613,000 | 2,757 |
| Average total loans | $140,378,670 | 2,761 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6676% | 2,324 |
| Cost of funding earning assets | 1.2444% | 782 |
| Net interest margin | 3.4232% | 3,828 |
| Noninterest income to average assets | 0.2696% | 4,071 |
| Noninterest expense to average assets | 2.5612% | 3,334 |
| Loan and lease loss provision to assets | -0.7220% | 5,352 |
| Net operating income to assets | 1.2749% | 1,796 |
| Return on assets (ROA) | 1.2749% | 1,842 |
| Pretax return on assets | 1.7867% | 1,005 |
| Return on Equity (ROE) | 9.1579% | 2,731 |
| Retained earnings to average equity (ytd only) | 9.1579% | 1,259 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6364% | 2,249 |
| Assets per employee ($millions) | 8.0370% | 664 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0856% | 3,203 |
| Loan loss allowance to noncurrent loans | 602.7559% | 892 |
| Noncurrent assets plus other real estate owned to assets | 0.1437% | 4,083 |
| Noncurrent loans to loans | 0.1801% | 3,947 |
| Net loans and leases to total assets | 78.8977% | 1,006 |
| Net loans and leases to deposits | 92.3231% | 1,370 |
| Net loans and leases to core deposits | 111.5881% | 857 |
| Total domestic deposits to total assets | 85.4582% | 2,503 |
| Equity capital to assets | 13.9649% | 1,049 |
| Core capital (leverage) ratio | 14.4953% | 818 |
| Tier 1 risk-based capital ratio | 19.1571% | 1,514 |
| Total risk-based capital ratio | 20.3799% | 1,494 |
| Memoranda: | ||
| Average total assets | $175,071,500 | 3,143 |
| Average earning assets | $171,652,500 | 3,036 |
| Average equity | $24,372,500 | 2,773 |
| Average total loans | $137,563,500 | 2,822 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6406% | 2,015 |
| Cost of funding earning assets | 1.1707% | 378 |
| Net interest margin | 3.4699% | 3,801 |
| Noninterest income to average assets | 0.4069% | 3,400 |
| Noninterest expense to average assets | 2.4546% | 3,740 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.9662% | 3,154 |
| Return on assets (ROA) | 0.9662% | 3,151 |
| Pretax return on assets | 1.3492% | 2,319 |
| Return on Equity (ROE) | 7.1683% | 3,770 |
| Retained earnings to average equity (ytd only) | 7.1683% | 1,594 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5295% | 3,114 |
| Assets per employee ($millions) | 6.9331% | 1,005 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3774% | 1,724 |
| Loan loss allowance to noncurrent loans | 691.7603% | 823 |
| Noncurrent assets plus other real estate owned to assets | 0.1540% | 4,059 |
| Noncurrent loans to loans | 0.1991% | 3,867 |
| Net loans and leases to total assets | 76.2981% | 1,559 |
| Net loans and leases to deposits | 89.3276% | 1,886 |
| Net loans and leases to core deposits | 108.3726% | 1,092 |
| Total domestic deposits to total assets | 85.4138% | 2,468 |
| Equity capital to assets | 13.8772% | 1,007 |
| Core capital (leverage) ratio | 13.8840% | 954 |
| Tier 1 risk-based capital ratio | 19.4726% | 1,411 |
| Total risk-based capital ratio | 20.7275% | 1,378 |
| Memoranda: | ||
| Average total assets | $171,803,000 | 3,153 |
| Average earning assets | $168,188,600 | 3,045 |
| Average equity | $23,157,600 | 2,800 |
| Average total loans | $137,530,000 | 2,798 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5839% | 2,024 |
| Cost of funding earning assets | 1.1502% | 326 |
| Net interest margin | 3.4338% | 3,911 |
| Noninterest income to average assets | 0.4488% | 3,177 |
| Noninterest expense to average assets | 2.5154% | 3,542 |
| Loan and lease loss provision to assets | 0.0482% | 3,027 |
| Net operating income to assets | 0.8906% | 3,577 |
| Return on assets (ROA) | 0.8906% | 3,581 |
| Pretax return on assets | 1.2452% | 2,830 |
| Return on Equity (ROE) | 6.6567% | 4,055 |
| Retained earnings to average equity (ytd only) | 6.6567% | 2,306 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0404% | 2,866 |
| Assets per employee ($millions) | 6.8500% | 996 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3939% | 1,725 |
| Loan loss allowance to noncurrent loans | 6,817.8571% | 133 |
| Noncurrent assets plus other real estate owned to assets | 0.0164% | 4,916 |
| Noncurrent loans to loans | 0.0204% | 4,819 |
| Net loans and leases to total assets | 78.8596% | 1,189 |
| Net loans and leases to deposits | 92.2055% | 1,594 |
| Net loans and leases to core deposits | 114.7549% | 775 |
| Total domestic deposits to total assets | 85.5258% | 2,384 |
| Equity capital to assets | 13.7355% | 1,045 |
| Core capital (leverage) ratio | 13.7027% | 1,031 |
| Tier 1 risk-based capital ratio | 18.5075% | 1,667 |
| Total risk-based capital ratio | 19.7499% | 1,628 |
| Memoranda: | ||
| Average total assets | $171,421,750 | 3,180 |
| Average earning assets | $167,742,250 | 3,075 |
| Average equity | $22,933,750 | 2,832 |
| Average total loans | $138,389,250 | 2,810 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5314% | 1,995 |
| Cost of funding earning assets | 1.1189% | 268 |
| Net interest margin | 3.4125% | 3,914 |
| Noninterest income to average assets | 0.3966% | 3,510 |
| Noninterest expense to average assets | 2.5438% | 3,505 |
| Loan and lease loss provision to assets | 0.0991% | 1,958 |
| Net operating income to assets | 0.7849% | 3,905 |
| Return on assets (ROA) | 0.7849% | 3,907 |
| Pretax return on assets | 1.0975% | 3,326 |
| Return on Equity (ROE) | 5.9197% | 4,268 |
| Retained earnings to average equity (ytd only) | 5.9197% | 2,599 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0075% | 2,645 |
| Assets per employee ($millions) | 7.8037% | 675 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3526% | 1,929 |
| Loan loss allowance to noncurrent loans | 1,990.7216% | 332 |
| Noncurrent assets plus other real estate owned to assets | 0.0540% | 4,758 |
| Noncurrent loans to loans | 0.0679% | 4,616 |
| Net loans and leases to total assets | 78.4612% | 1,246 |
| Net loans and leases to deposits | 90.6531% | 1,756 |
| Net loans and leases to core deposits | 113.0678% | 832 |
| Total domestic deposits to total assets | 86.5510% | 2,034 |
| Equity capital to assets | 12.8334% | 1,376 |
| Core capital (leverage) ratio | 13.4648% | 1,073 |
| Tier 1 risk-based capital ratio | 17.6472% | 1,903 |
| Total risk-based capital ratio | 18.8738% | 1,865 |
| Memoranda: | ||
| Average total assets | $171,479,000 | 3,198 |
| Average earning assets | $168,028,670 | 3,090 |
| Average equity | $22,737,670 | 2,863 |
| Average total loans | $138,867,000 | 2,808 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4955% | 1,883 |
| Cost of funding earning assets | 1.0966% | 235 |
| Net interest margin | 3.3989% | 3,888 |
| Noninterest income to average assets | 0.3272% | 3,963 |
| Noninterest expense to average assets | 2.6726% | 3,129 |
| Loan and lease loss provision to assets | 0.0979% | 1,883 |
| Net operating income to assets | 0.6449% | 4,297 |
| Return on assets (ROA) | 0.6449% | 4,307 |
| Pretax return on assets | 0.9028% | 3,842 |
| Return on Equity (ROE) | 4.7810% | 4,555 |
| Retained earnings to average equity (ytd only) | 4.7810% | 3,267 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7568% | 2,079 |
| Assets per employee ($millions) | 6.0487% | 1,477 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3571% | 1,997 |
| Loan loss allowance to noncurrent loans | 1,097.0930% | 558 |
| Noncurrent assets plus other real estate owned to assets | 0.1016% | 4,578 |
| Noncurrent loans to loans | 0.1237% | 4,411 |
| Net loans and leases to total assets | 80.9836% | 791 |
| Net loans and leases to deposits | 94.0533% | 1,221 |
| Net loans and leases to core deposits | 116.9902% | 690 |
| Total domestic deposits to total assets | 86.1039% | 2,505 |
| Equity capital to assets | 13.3523% | 1,089 |
| Core capital (leverage) ratio | 13.6437% | 962 |
| Tier 1 risk-based capital ratio | 17.6461% | 1,934 |
| Total risk-based capital ratio | 18.8510% | 1,898 |
| Memoranda: | ||
| Average total assets | $167,476,000 | 3,276 |
| Average earning assets | $164,875,500 | 3,150 |
| Average equity | $22,589,500 | 2,904 |
| Average total loans | $136,922,000 | 2,852 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2489% | 2,502 |
| Cost of funding earning assets | 1.0448% | 171 |
| Net interest margin | 3.2041% | 4,440 |
| Noninterest income to average assets | 0.6441% | 2,235 |
| Noninterest expense to average assets | 2.5444% | 3,622 |
| Loan and lease loss provision to assets | -0.1011% | 5,482 |
| Net operating income to assets | 0.6329% | 3,881 |
| Return on assets (ROA) | 0.6329% | 3,916 |
| Pretax return on assets | 1.3243% | 2,270 |
| Return on Equity (ROE) | 4.8683% | 4,214 |
| Retained earnings to average equity (ytd only) | 4.8683% | 2,211 |
| Net charge-offs to loans | -0.0023% | 4,543 |
| Credit loss provision to net charge-offs | 5,700.0000% | 69 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5353% | 2,988 |
| Assets per employee ($millions) | 5.7099% | 1,745 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3694% | 1,888 |
| Loan loss allowance to noncurrent loans | 1,067.0520% | 591 |
| Noncurrent assets plus other real estate owned to assets | 0.1045% | 4,610 |
| Noncurrent loans to loans | 0.1283% | 4,414 |
| Net loans and leases to total assets | 80.2921% | 916 |
| Net loans and leases to deposits | 93.7180% | 1,304 |
| Net loans and leases to core deposits | 116.1738% | 714 |
| Total domestic deposits to total assets | 85.6741% | 2,588 |
| Equity capital to assets | 13.6272% | 1,012 |
| Core capital (leverage) ratio | 13.3190% | 1,032 |
| Tier 1 risk-based capital ratio | 18.2145% | 1,737 |
| Total risk-based capital ratio | 19.4640% | 1,688 |
| Memoranda: | ||
| Average total assets | $169,075,400 | 3,257 |
| Average earning assets | $164,820,800 | 3,143 |
| Average equity | $21,979,000 | 2,957 |
| Average total loans | $131,558,400 | 2,892 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2262% | 2,528 |
| Cost of funding earning assets | 0.9864% | 208 |
| Net interest margin | 3.2398% | 4,359 |
| Noninterest income to average assets | 0.6543% | 2,186 |
| Noninterest expense to average assets | 2.6666% | 3,181 |
| Loan and lease loss provision to assets | -0.1514% | 5,628 |
| Net operating income to assets | 0.7704% | 3,644 |
| Return on assets (ROA) | 0.7704% | 3,698 |
| Pretax return on assets | 1.2906% | 2,537 |
| Return on Equity (ROE) | 5.9970% | 4,126 |
| Retained earnings to average equity (ytd only) | 5.9970% | 2,239 |
| Net charge-offs to loans | -0.0031% | 4,368 |
| Credit loss provision to net charge-offs | 6,433.3333% | 71 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0680% | 2,523 |
| Assets per employee ($millions) | 5.6443% | 1,787 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3642% | 2,062 |
| Loan loss allowance to noncurrent loans | 1,048.2759% | 587 |
| Noncurrent assets plus other real estate owned to assets | 0.1028% | 4,726 |
| Noncurrent loans to loans | 0.1301% | 4,540 |
| Net loans and leases to total assets | 77.8834% | 1,288 |
| Net loans and leases to deposits | 90.4576% | 1,749 |
| Net loans and leases to core deposits | 110.6181% | 991 |
| Total domestic deposits to total assets | 86.0993% | 2,269 |
| Equity capital to assets | 13.2357% | 1,278 |
| Core capital (leverage) ratio | 13.1433% | 1,151 |
| Tier 1 risk-based capital ratio | 18.0146% | 1,848 |
| Total risk-based capital ratio | 19.2677% | 1,800 |
| Memoranda: | ||
| Average total assets | $169,947,250 | 3,279 |
| Average earning assets | $165,315,250 | 3,163 |
| Average equity | $21,832,500 | 2,994 |
| Average total loans | $130,748,000 | 2,932 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1508% | 2,662 |
| Cost of funding earning assets | 1.0260% | 151 |
| Net interest margin | 3.1249% | 4,619 |
| Noninterest income to average assets | 0.6406% | 2,251 |
| Noninterest expense to average assets | 2.6376% | 3,317 |
| Loan and lease loss provision to assets | 0.0059% | 3,798 |
| Net operating income to assets | 0.6218% | 4,203 |
| Return on assets (ROA) | 0.6218% | 4,249 |
| Pretax return on assets | 1.0438% | 3,392 |
| Return on Equity (ROE) | 4.8892% | 4,520 |
| Retained earnings to average equity (ytd only) | 4.8892% | 2,785 |
| Net charge-offs to loans | -0.0031% | 4,238 |
| Credit loss provision to net charge-offs | -250.0000% | 4,509 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5333% | 2,433 |
| Assets per employee ($millions) | 5.6760% | 1,723 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5717% | 1,325 |
| Loan loss allowance to noncurrent loans | 2,731.0811% | 252 |
| Noncurrent assets plus other real estate owned to assets | 0.0421% | 5,075 |
| Noncurrent loans to loans | 0.0576% | 4,900 |
| Net loans and leases to total assets | 71.9286% | 2,214 |
| Net loans and leases to deposits | 82.7170% | 2,626 |
| Net loans and leases to core deposits | 99.8359% | 1,658 |
| Total domestic deposits to total assets | 86.9575% | 1,974 |
| Equity capital to assets | 12.4674% | 1,640 |
| Core capital (leverage) ratio | 12.8960% | 1,216 |
| Tier 1 risk-based capital ratio | 18.3293% | 1,766 |
| Total risk-based capital ratio | 19.5859% | 1,724 |
| Memoranda: | ||
| Average total assets | $170,153,000 | 3,276 |
| Average earning assets | $165,894,000 | 3,170 |
| Average equity | $21,639,330 | 3,017 |
| Average total loans | $129,762,670 | 2,951 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1455% | 2,491 |
| Cost of funding earning assets | 1.0339% | 141 |
| Net interest margin | 3.1115% | 4,622 |
| Noninterest income to average assets | 0.5931% | 2,450 |
| Noninterest expense to average assets | 2.6882% | 3,188 |
| Loan and lease loss provision to assets | 0.0215% | 3,304 |
| Net operating income to assets | 0.5549% | 4,355 |
| Return on assets (ROA) | 0.5549% | 4,402 |
| Pretax return on assets | 0.9351% | 3,644 |
| Return on Equity (ROE) | 4.3182% | 4,661 |
| Retained earnings to average equity (ytd only) | 4.3182% | 3,264 |
| Net charge-offs to loans | -0.0031% | 4,065 |
| Credit loss provision to net charge-offs | -900.0000% | 4,382 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7533% | 2,275 |
| Assets per employee ($millions) | 5.3649% | 2,013 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5750% | 1,443 |
| Loan loss allowance to noncurrent loans | 2,735.1351% | 267 |
| Noncurrent assets plus other real estate owned to assets | 0.0445% | 5,128 |
| Noncurrent loans to loans | 0.0576% | 4,967 |
| Net loans and leases to total assets | 76.0504% | 1,410 |
| Net loans and leases to deposits | 87.9140% | 1,813 |
| Net loans and leases to core deposits | 107.2864% | 1,020 |
| Total domestic deposits to total assets | 86.5055% | 2,438 |
| Equity capital to assets | 12.9991% | 1,258 |
| Core capital (leverage) ratio | 12.9245% | 1,173 |
| Tier 1 risk-based capital ratio | 18.2015% | 1,804 |
| Total risk-based capital ratio | 19.4585% | 1,775 |
| Memoranda: | ||
| Average total assets | $167,252,000 | 3,339 |
| Average earning assets | $164,034,500 | 3,215 |
| Average equity | $21,490,500 | 3,034 |
| Average total loans | $130,352,500 | 2,949 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1274% | 2,746 |
| Cost of funding earning assets | 1.0166% | 154 |
| Net interest margin | 3.1108% | 4,703 |
| Noninterest income to average assets | 0.9570% | 1,243 |
| Noninterest expense to average assets | 2.5893% | 3,707 |
| Loan and lease loss provision to assets | 0.1587% | 1,561 |
| Net operating income to assets | 0.7432% | 3,569 |
| Return on assets (ROA) | 0.7432% | 3,685 |
| Pretax return on assets | 1.2575% | 2,441 |
| Return on Equity (ROE) | 6.1297% | 3,912 |
| Retained earnings to average equity (ytd only) | 6.1297% | 1,640 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6440% | 3,828 |
| Assets per employee ($millions) | 5.2560% | 2,108 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5234% | 1,586 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 77.4032% | 1,294 |
| Net loans and leases to deposits | 89.2884% | 1,765 |
| Net loans and leases to core deposits | 108.2475% | 1,008 |
| Total domestic deposits to total assets | 86.6890% | 2,292 |
| Equity capital to assets | 12.7010% | 1,398 |
| Core capital (leverage) ratio | 12.4451% | 1,357 |
| Tier 1 risk-based capital ratio | 18.0339% | 1,837 |
| Total risk-based capital ratio | 19.2900% | 1,797 |
| Memoranda: | ||
| Average total assets | $170,741,400 | 3,281 |
| Average earning assets | $167,320,400 | 3,148 |
| Average equity | $20,702,400 | 3,098 |
| Average total loans | $135,376,800 | 2,838 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0545% | 3,020 |
| Cost of funding earning assets | 1.0120% | 159 |
| Net interest margin | 3.0424% | 4,921 |
| Noninterest income to average assets | 0.8768% | 1,484 |
| Noninterest expense to average assets | 2.5238% | 3,912 |
| Loan and lease loss provision to assets | -0.0459% | 5,710 |
| Net operating income to assets | 0.8215% | 3,274 |
| Return on assets (ROA) | 0.8215% | 3,409 |
| Pretax return on assets | 1.3809% | 2,122 |
| Return on Equity (ROE) | 6.8556% | 3,635 |
| Retained earnings to average equity (ytd only) | 6.8556% | 1,697 |
| Net charge-offs to loans | -0.0010% | 4,441 |
| Credit loss provision to net charge-offs | 5,900.0000% | 95 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4032% | 3,687 |
| Assets per employee ($millions) | 6.4012% | 1,175 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2152% | 3,144 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 79.2504% | 1,001 |
| Net loans and leases to deposits | 90.8530% | 1,649 |
| Net loans and leases to core deposits | 108.1553% | 1,039 |
| Total domestic deposits to total assets | 87.2292% | 1,788 |
| Equity capital to assets | 12.1754% | 1,993 |
| Core capital (leverage) ratio | 11.0853% | 2,366 |
| Tier 1 risk-based capital ratio | 15.5446% | 2,813 |
| Total risk-based capital ratio | 16.7961% | 2,746 |
| Memoranda: | ||
| Average total assets | $171,378,750 | 3,277 |
| Average earning assets | $167,975,000 | 3,154 |
| Average equity | $20,537,500 | 3,141 |
| Average total loans | $136,171,000 | 2,835 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0721% | 2,987 |
| Cost of funding earning assets | 1.0007% | 170 |
| Net interest margin | 3.0714% | 4,916 |
| Noninterest income to average assets | 0.6823% | 2,224 |
| Noninterest expense to average assets | 2.4951% | 4,045 |
| Loan and lease loss provision to assets | -0.2317% | 5,948 |
| Net operating income to assets | 0.8532% | 3,084 |
| Return on assets (ROA) | 0.8532% | 3,201 |
| Pretax return on assets | 1.4290% | 1,914 |
| Return on Equity (ROE) | 7.1579% | 3,458 |
| Retained earnings to average equity (ytd only) | 7.1579% | 1,527 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5753% | 3,434 |
| Assets per employee ($millions) | 6.3329% | 1,179 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1664% | 3,545 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 71.2844% | 2,285 |
| Net loans and leases to deposits | 80.7715% | 2,845 |
| Net loans and leases to core deposits | 95.5013% | 2,020 |
| Total domestic deposits to total assets | 88.2545% | 1,296 |
| Equity capital to assets | 11.3459% | 2,700 |
| Core capital (leverage) ratio | 12.1458% | 1,546 |
| Tier 1 risk-based capital ratio | 17.5465% | 2,055 |
| Total risk-based capital ratio | 18.7987% | 2,019 |
| Memoranda: | ||
| Average total assets | $170,894,330 | 3,298 |
| Average earning assets | $167,483,000 | 3,173 |
| Average equity | $20,369,000 | 3,156 |
| Average total loans | $135,343,000 | 2,853 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3315% | 2,023 |
| Cost of funding earning assets | 1.0227% | 146 |
| Net interest margin | 3.3088% | 4,193 |
| Noninterest income to average assets | 0.5082% | 3,060 |
| Noninterest expense to average assets | 2.5724% | 3,837 |
| Loan and lease loss provision to assets | -0.3598% | 6,061 |
| Net operating income to assets | 0.9191% | 2,655 |
| Return on assets (ROA) | 0.9191% | 2,764 |
| Pretax return on assets | 1.5366% | 1,482 |
| Return on Equity (ROE) | 7.5093% | 3,182 |
| Retained earnings to average equity (ytd only) | 7.5093% | 1,660 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6122% | 3,360 |
| Assets per employee ($millions) | 5.9917% | 1,404 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2173% | 3,381 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 77.1499% | 1,228 |
| Net loans and leases to deposits | 88.1846% | 1,807 |
| Net loans and leases to core deposits | 104.3529% | 1,170 |
| Total domestic deposits to total assets | 87.4868% | 1,933 |
| Equity capital to assets | 12.2062% | 1,888 |
| Core capital (leverage) ratio | 12.5307% | 1,326 |
| Tier 1 risk-based capital ratio | 17.1572% | 2,229 |
| Total risk-based capital ratio | 18.4089% | 2,196 |
| Memoranda: | ||
| Average total assets | $164,515,000 | 3,391 |
| Average earning assets | $161,146,000 | 3,270 |
| Average equity | $20,135,000 | 3,185 |
| Average total loans | $136,784,000 | 2,841 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4686% | 1,693 |
| Cost of funding earning assets | 0.9386% | 238 |
| Net interest margin | 3.5301% | 3,410 |
| Noninterest income to average assets | 0.9873% | 1,211 |
| Noninterest expense to average assets | 2.6902% | 3,612 |
| Loan and lease loss provision to assets | 0.3881% | 363 |
| Net operating income to assets | 0.7959% | 3,357 |
| Return on assets (ROA) | 0.7959% | 3,437 |
| Pretax return on assets | 1.3378% | 2,139 |
| Return on Equity (ROE) | 6.2982% | 3,905 |
| Retained earnings to average equity (ytd only) | 6.2982% | 1,655 |
| Net charge-offs to loans | 0.0031% | 4,354 |
| Credit loss provision to net charge-offs | 14,750.0000% | 17 |
| Earnings coverage of net charge-offs (x) | 656.0000% | 97 |
| Efficiency ratio | 60.9175% | 4,770 |
| Assets per employee ($millions) | 6.2024% | 1,256 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2228% | 3,341 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 87.3096% | 150 |
| Net loans and leases to deposits | 100.1102% | 667 |
| Net loans and leases to core deposits | 117.8325% | 547 |
| Total domestic deposits to total assets | 87.2134% | 2,027 |
| Equity capital to assets | 12.2731% | 1,761 |
| Core capital (leverage) ratio | 12.4882% | 1,356 |
| Tier 1 risk-based capital ratio | 16.3689% | 2,539 |
| Total risk-based capital ratio | 17.6219% | 2,497 |
| Memoranda: | ||
| Average total assets | $152,035,200 | 3,539 |
| Average earning assets | $147,674,600 | 3,439 |
| Average equity | $19,211,800 | 3,246 |
| Average total loans | $128,024,800 | 2,918 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4261% | 1,828 |
| Cost of funding earning assets | 0.9251% | 252 |
| Net interest margin | 3.5010% | 3,528 |
| Noninterest income to average assets | 1.1523% | 899 |
| Noninterest expense to average assets | 2.7872% | 3,239 |
| Loan and lease loss provision to assets | 0.4265% | 269 |
| Net operating income to assets | 0.7925% | 3,465 |
| Return on assets (ROA) | 0.7925% | 3,554 |
| Pretax return on assets | 1.3322% | 2,275 |
| Return on Equity (ROE) | 6.2236% | 4,042 |
| Retained earnings to average equity (ytd only) | 6.2236% | 2,104 |
| Net charge-offs to loans | 0.0032% | 4,075 |
| Credit loss provision to net charge-offs | 15,966.6667% | 25 |
| Earnings coverage of net charge-offs (x) | 658.3175% | 114 |
| Efficiency ratio | 61.3124% | 4,676 |
| Assets per employee ($millions) | 5.0518% | 2,240 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2326% | 3,467 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 86.3423% | 210 |
| Net loans and leases to deposits | 99.5640% | 691 |
| Net loans and leases to core deposits | 112.7632% | 721 |
| Total domestic deposits to total assets | 86.7203% | 2,178 |
| Equity capital to assets | 12.8534% | 1,530 |
| Core capital (leverage) ratio | 13.0831% | 1,172 |
| Tier 1 risk-based capital ratio | 16.1244% | 2,744 |
| Total risk-based capital ratio | 17.3767% | 2,693 |
| Memoranda: | ||
| Average total assets | $149,728,250 | 3,606 |
| Average earning assets | $145,137,000 | 3,500 |
| Average equity | $19,066,750 | 3,291 |
| Average total loans | $124,395,750 | 3,006 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2988% | 2,171 |
| Cost of funding earning assets | 0.9243% | 254 |
| Net interest margin | 3.3744% | 3,989 |
| Noninterest income to average assets | 1.2835% | 743 |
| Noninterest expense to average assets | 2.8112% | 3,185 |
| Loan and lease loss provision to assets | 0.3554% | 368 |
| Net operating income to assets | 0.8222% | 3,265 |
| Return on assets (ROA) | 0.8222% | 3,371 |
| Pretax return on assets | 1.3828% | 2,054 |
| Return on Equity (ROE) | 6.4768% | 3,893 |
| Retained earnings to average equity (ytd only) | 6.4768% | 1,961 |
| Net charge-offs to loans | 0.0066% | 3,670 |
| Credit loss provision to net charge-offs | 6,625.0000% | 73 |
| Earnings coverage of net charge-offs (x) | 324.0000% | 213 |
| Efficiency ratio | 61.7925% | 4,703 |
| Assets per employee ($millions) | 5.1489% | 2,099 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0875% | 4,395 |
| Loan loss allowance to noncurrent loans | 323.0068% | 1,518 |
| Noncurrent assets plus other real estate owned to assets | 0.2842% | 4,742 |
| Noncurrent loans to loans | 0.3367% | 4,482 |
| Net loans and leases to total assets | 83.4986% | 415 |
| Net loans and leases to deposits | 95.8409% | 978 |
| Net loans and leases to core deposits | 109.7331% | 847 |
| Total domestic deposits to total assets | 87.1221% | 2,094 |
| Equity capital to assets | 12.4759% | 1,674 |
| Core capital (leverage) ratio | 13.0916% | 1,136 |
| Tier 1 risk-based capital ratio | 16.1080% | 2,802 |
| Total risk-based capital ratio | 17.3535% | 2,762 |
| Memoranda: | ||
| Average total assets | $149,119,330 | 3,640 |
| Average earning assets | $144,320,330 | 3,536 |
| Average equity | $18,929,000 | 3,324 |
| Average total loans | $121,698,000 | 3,058 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1931% | 2,486 |
| Cost of funding earning assets | 0.9349% | 239 |
| Net interest margin | 3.2582% | 4,390 |
| Noninterest income to average assets | 1.2919% | 689 |
| Noninterest expense to average assets | 2.9117% | 2,869 |
| Loan and lease loss provision to assets | 0.3032% | 477 |
| Net operating income to assets | 0.7511% | 3,531 |
| Return on assets (ROA) | 0.7511% | 3,670 |
| Pretax return on assets | 1.2564% | 2,440 |
| Return on Equity (ROE) | 5.8642% | 4,100 |
| Retained earnings to average equity (ytd only) | 5.8642% | 2,570 |
| Net charge-offs to loans | 0.0136% | 2,906 |
| Credit loss provision to net charge-offs | 2,775.0000% | 143 |
| Earnings coverage of net charge-offs (x) | 142.7500% | 372 |
| Efficiency ratio | 65.1191% | 4,297 |
| Assets per employee ($millions) | 4.8942% | 2,495 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0158% | 4,941 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 83.8838% | 314 |
| Net loans and leases to deposits | 96.6000% | 792 |
| Net loans and leases to core deposits | 113.0661% | 606 |
| Total domestic deposits to total assets | 86.8362% | 2,464 |
| Equity capital to assets | 12.8777% | 1,465 |
| Core capital (leverage) ratio | 12.9997% | 1,155 |
| Tier 1 risk-based capital ratio | 16.3482% | 2,758 |
| Total risk-based capital ratio | 17.5120% | 2,737 |
| Memoranda: | ||
| Average total assets | $146,446,000 | 3,706 |
| Average earning assets | $142,902,500 | 3,580 |
| Average equity | $18,758,000 | 3,362 |
| Average total loans | $117,349,500 | 3,139 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2669% | 2,716 |
| Cost of funding earning assets | 0.9845% | 250 |
| Net interest margin | 3.2824% | 4,647 |
| Noninterest income to average assets | 0.8619% | 1,636 |
| Noninterest expense to average assets | 2.4002% | 4,844 |
| Loan and lease loss provision to assets | 0.0320% | 3,958 |
| Net operating income to assets | 0.9723% | 2,514 |
| Return on assets (ROA) | 0.9723% | 2,599 |
| Pretax return on assets | 1.6283% | 1,154 |
| Return on Equity (ROE) | 8.0542% | 3,108 |
| Retained earnings to average equity (ytd only) | 8.0542% | 1,003 |
| Net charge-offs to loans | 0.0018% | 4,938 |
| Credit loss provision to net charge-offs | 2,350.0000% | 137 |
| Earnings coverage of net charge-offs (x) | 1,217.5000% | 35 |
| Efficiency ratio | 59.1100% | 5,332 |
| Assets per employee ($millions) | 5.2166% | 2,055 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0492% | 4,812 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 74.7024% | 1,463 |
| Net loans and leases to deposits | 86.0582% | 1,978 |
| Net loans and leases to core deposits | 100.8736% | 1,331 |
| Total domestic deposits to total assets | 86.8045% | 2,391 |
| Equity capital to assets | 12.7395% | 1,509 |
| Core capital (leverage) ratio | 12.5918% | 1,311 |
| Tier 1 risk-based capital ratio | 18.5568% | 1,974 |
| Total risk-based capital ratio | 19.7884% | 1,949 |
| Memoranda: | ||
| Average total assets | $146,656,400 | 3,681 |
| Average earning assets | $142,913,000 | 3,555 |
| Average equity | $17,705,000 | 3,428 |
| Average total loans | $109,706,600 | 3,221 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1367% | 3,227 |
| Cost of funding earning assets | 0.9889% | 258 |
| Net interest margin | 3.1477% | 5,125 |
| Noninterest income to average assets | 0.8492% | 1,701 |
| Noninterest expense to average assets | 2.3986% | 4,831 |
| Loan and lease loss provision to assets | 0.1653% | 1,502 |
| Net operating income to assets | 0.8047% | 3,412 |
| Return on assets (ROA) | 0.8047% | 3,504 |
| Pretax return on assets | 1.3496% | 2,197 |
| Return on Equity (ROE) | 6.7583% | 3,825 |
| Retained earnings to average equity (ytd only) | 6.7583% | 1,954 |
| Net charge-offs to loans | 0.0024% | 4,630 |
| Credit loss provision to net charge-offs | 9,100.0000% | 45 |
| Earnings coverage of net charge-offs (x) | 832.9363% | 88 |
| Efficiency ratio | 61.2903% | 4,989 |
| Assets per employee ($millions) | 5.5401% | 1,691 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1361% | 4,577 |
| Loan loss allowance to noncurrent loans | 43,066.6667% | 20 |
| Noncurrent assets plus other real estate owned to assets | 0.0020% | 6,205 |
| Noncurrent loans to loans | 0.0026% | 6,041 |
| Net loans and leases to total assets | 75.1631% | 1,338 |
| Net loans and leases to deposits | 85.8699% | 1,920 |
| Net loans and leases to core deposits | 100.2944% | 1,342 |
| Total domestic deposits to total assets | 87.5314% | 2,017 |
| Equity capital to assets | 12.0461% | 2,021 |
| Core capital (leverage) ratio | 12.0040% | 1,697 |
| Tier 1 risk-based capital ratio | 17.0706% | 2,593 |
| Total risk-based capital ratio | 18.3211% | 2,539 |
| Memoranda: | ||
| Average total assets | $146,804,250 | 3,711 |
| Average earning assets | $142,913,750 | 3,593 |
| Average equity | $17,479,250 | 3,475 |
| Average total loans | $109,565,500 | 3,250 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0490% | 3,547 |
| Cost of funding earning assets | 0.9760% | 285 |
| Net interest margin | 3.0730% | 5,339 |
| Noninterest income to average assets | 0.7020% | 2,267 |
| Noninterest expense to average assets | 2.3979% | 4,887 |
| Loan and lease loss provision to assets | 0.3236% | 583 |
| Net operating income to assets | 0.5772% | 4,469 |
| Return on assets (ROA) | 0.5772% | 4,572 |
| Pretax return on assets | 0.9720% | 3,603 |
| Return on Equity (ROE) | 4.8672% | 4,741 |
| Retained earnings to average equity (ytd only) | 4.8672% | 3,040 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9220% | 4,548 |
| Assets per employee ($millions) | 5.7666% | 1,454 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1457% | 4,678 |
| Loan loss allowance to noncurrent loans | 50.5437% | 5,152 |
| Noncurrent assets plus other real estate owned to assets | 1.7129% | 1,906 |
| Noncurrent loans to loans | 2.2668% | 1,436 |
| Net loans and leases to total assets | 74.7002% | 1,351 |
| Net loans and leases to deposits | 84.5413% | 1,977 |
| Net loans and leases to core deposits | 98.8450% | 1,382 |
| Total domestic deposits to total assets | 88.3594% | 1,706 |
| Equity capital to assets | 11.2854% | 2,623 |
| Core capital (leverage) ratio | 11.6916% | 1,857 |
| Tier 1 risk-based capital ratio | 16.3457% | 2,909 |
| Total risk-based capital ratio | 17.5969% | 2,861 |
| Memoranda: | ||
| Average total assets | $145,877,670 | 3,745 |
| Average earning assets | $142,009,000 | 3,615 |
| Average equity | $17,299,330 | 3,501 |
| Average total loans | $108,179,330 | 3,282 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7438% | 4,694 |
| Cost of funding earning assets | 0.9469% | 345 |
| Net interest margin | 2.7969% | 5,942 |
| Noninterest income to average assets | 0.5845% | 2,832 |
| Noninterest expense to average assets | 2.6644% | 4,061 |
| Loan and lease loss provision to assets | 0.4625% | 337 |
| Net operating income to assets | 0.1022% | 6,027 |
| Return on assets (ROA) | 0.1022% | 6,057 |
| Pretax return on assets | 0.1816% | 5,950 |
| Return on Equity (ROE) | 0.8390% | 6,070 |
| Retained earnings to average equity (ytd only) | 0.8390% | 5,256 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.5317% | 2,127 |
| Assets per employee ($millions) | 5.2236% | 1,986 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1844% | 4,709 |
| Loan loss allowance to noncurrent loans | 47.2572% | 5,308 |
| Noncurrent assets plus other real estate owned to assets | 1.9130% | 1,794 |
| Noncurrent loans to loans | 2.5063% | 1,379 |
| Net loans and leases to total assets | 75.4221% | 1,068 |
| Net loans and leases to deposits | 86.2843% | 1,564 |
| Net loans and leases to core deposits | 100.2923% | 1,081 |
| Total domestic deposits to total assets | 87.4111% | 2,557 |
| Equity capital to assets | 12.1833% | 1,754 |
| Core capital (leverage) ratio | 12.4166% | 1,425 |
| Tier 1 risk-based capital ratio | 17.1930% | 2,603 |
| Total risk-based capital ratio | 18.4457% | 2,559 |
| Memoranda: | ||
| Average total assets | $140,968,000 | 3,863 |
| Average earning assets | $137,295,000 | 3,713 |
| Average equity | $17,163,500 | 3,529 |
| Average total loans | $103,442,000 | 3,400 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7180% | 5,077 |
| Cost of funding earning assets | 1.0179% | 409 |
| Net interest margin | 2.7000% | 6,143 |
| Noninterest income to average assets | 1.4385% | 674 |
| Noninterest expense to average assets | 2.4224% | 5,015 |
| Loan and lease loss provision to assets | 0.1844% | 1,997 |
| Net operating income to assets | 0.8624% | 2,962 |
| Return on assets (ROA) | 0.8624% | 3,044 |
| Pretax return on assets | 1.4490% | 1,619 |
| Return on Equity (ROE) | 7.4244% | 3,346 |
| Retained earnings to average equity (ytd only) | 7.4244% | 1,264 |
| Net charge-offs to loans | -0.0031% | 5,881 |
| Credit loss provision to net charge-offs | -8,800.0000% | 6,405 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7280% | 5,505 |
| Assets per employee ($millions) | 5.0321% | 2,145 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1206% | 5,050 |
| Loan loss allowance to noncurrent loans | 6,541.1765% | 114 |
| Noncurrent assets plus other real estate owned to assets | 0.0121% | 6,382 |
| Noncurrent loans to loans | 0.0171% | 6,219 |
| Net loans and leases to total assets | 69.6414% | 2,076 |
| Net loans and leases to deposits | 79.7983% | 2,483 |
| Net loans and leases to core deposits | 92.6030% | 1,712 |
| Total domestic deposits to total assets | 87.2717% | 2,590 |
| Equity capital to assets | 12.1676% | 1,703 |
| Core capital (leverage) ratio | 12.0890% | 1,539 |
| Tier 1 risk-based capital ratio | 17.3308% | 2,481 |
| Total risk-based capital ratio | 18.5813% | 2,454 |
| Memoranda: | ||
| Average total assets | $143,204,800 | 3,827 |
| Average earning assets | $138,812,600 | 3,684 |
| Average equity | $16,634,400 | 3,607 |
| Average total loans | $97,832,200 | 3,504 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6950% | 5,182 |
| Cost of funding earning assets | 1.0245% | 436 |
| Net interest margin | 2.6705% | 6,223 |
| Noninterest income to average assets | 1.6849% | 533 |
| Noninterest expense to average assets | 2.4156% | 4,976 |
| Loan and lease loss provision to assets | 0.1521% | 2,366 |
| Net operating income to assets | 1.0219% | 2,290 |
| Return on assets (ROA) | 1.0219% | 2,376 |
| Pretax return on assets | 1.7035% | 1,088 |
| Return on Equity (ROE) | 8.9011% | 2,685 |
| Retained earnings to average equity (ytd only) | 8.9011% | 1,086 |
| Net charge-offs to loans | -0.0027% | 5,711 |
| Credit loss provision to net charge-offs | -8,200.0000% | 6,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.5567% | 5,846 |
| Assets per employee ($millions) | 4.6151% | 2,695 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1642% | 5,047 |
| Loan loss allowance to noncurrent loans | 3,063.6364% | 194 |
| Noncurrent assets plus other real estate owned to assets | 0.0231% | 6,416 |
| Noncurrent loans to loans | 0.0380% | 6,228 |
| Net loans and leases to total assets | 59.9918% | 3,690 |
| Net loans and leases to deposits | 68.5508% | 3,992 |
| Net loans and leases to core deposits | 79.5427% | 3,171 |
| Total domestic deposits to total assets | 87.5143% | 2,407 |
| Equity capital to assets | 11.8552% | 2,010 |
| Core capital (leverage) ratio | 11.8040% | 1,814 |
| Tier 1 risk-based capital ratio | 18.9967% | 1,992 |
| Total risk-based capital ratio | 20.2231% | 1,954 |
| Memoranda: | ||
| Average total assets | $143,781,250 | 3,850 |
| Average earning assets | $139,248,250 | 3,709 |
| Average equity | $16,507,000 | 3,671 |
| Average total loans | $97,481,250 | 3,540 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7313% | 5,046 |
| Cost of funding earning assets | 1.0240% | 483 |
| Net interest margin | 2.7073% | 6,170 |
| Noninterest income to average assets | 1.9720% | 455 |
| Noninterest expense to average assets | 2.2553% | 5,489 |
| Loan and lease loss provision to assets | 0.0847% | 3,383 |
| Net operating income to assets | 1.3498% | 1,193 |
| Return on assets (ROA) | 1.3498% | 1,282 |
| Pretax return on assets | 2.2497% | 383 |
| Return on Equity (ROE) | 11.8858% | 1,528 |
| Retained earnings to average equity (ytd only) | 11.8858% | 517 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.1377% | 6,475 |
| Assets per employee ($millions) | 5.0240% | 2,088 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9888% | 5,870 |
| Loan loss allowance to noncurrent loans | 1,887.5000% | 288 |
| Noncurrent assets plus other real estate owned to assets | 0.0318% | 6,430 |
| Noncurrent loans to loans | 0.0524% | 6,237 |
| Net loans and leases to total assets | 60.1888% | 3,622 |
| Net loans and leases to deposits | 68.1046% | 3,999 |
| Net loans and leases to core deposits | 78.3615% | 3,243 |
| Total domestic deposits to total assets | 88.3770% | 1,995 |
| Equity capital to assets | 11.1632% | 2,596 |
| Core capital (leverage) ratio | 11.7537% | 1,763 |
| Tier 1 risk-based capital ratio | 18.6648% | 2,096 |
| Total risk-based capital ratio | 19.7420% | 2,105 |
| Memoranda: | ||
| Average total assets | $144,019,000 | 3,872 |
| Average earning assets | $139,254,670 | 3,734 |
| Average equity | $16,355,670 | 3,715 |
| Average total loans | $101,028,330 | 3,456 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8945% | 4,493 |
| Cost of funding earning assets | 1.0499% | 474 |
| Net interest margin | 2.8446% | 5,931 |
| Noninterest income to average assets | 2.4142% | 334 |
| Noninterest expense to average assets | 2.2606% | 5,533 |
| Loan and lease loss provision to assets | 0.2758% | 1,279 |
| Net operating income to assets | 1.5810% | 732 |
| Return on assets (ROA) | 1.5810% | 791 |
| Pretax return on assets | 2.6360% | 221 |
| Return on Equity (ROE) | 13.7957% | 1,002 |
| Retained earnings to average equity (ytd only) | 13.7957% | 470 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.7053% | 6,784 |
| Assets per employee ($millions) | 5.0614% | 2,140 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9744% | 6,068 |
| Loan loss allowance to noncurrent loans | 1,308.3333% | 371 |
| Noncurrent assets plus other real estate owned to assets | 0.0508% | 6,458 |
| Noncurrent loans to loans | 0.0745% | 6,257 |
| Net loans and leases to total assets | 67.5492% | 2,101 |
| Net loans and leases to deposits | 76.8990% | 2,501 |
| Net loans and leases to core deposits | 89.3487% | 1,770 |
| Total domestic deposits to total assets | 87.8414% | 2,420 |
| Equity capital to assets | 11.5743% | 2,352 |
| Core capital (leverage) ratio | 11.9608% | 1,591 |
| Tier 1 risk-based capital ratio | 16.1490% | 3,182 |
| Total risk-based capital ratio | 17.1433% | 3,292 |
| Memoranda: | ||
| Average total assets | $140,669,000 | 3,971 |
| Average earning assets | $136,397,000 | 3,820 |
| Average equity | $16,121,000 | 3,799 |
| Average total loans | $105,731,500 | 3,386 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2132% | 4,535 |
| Cost of funding earning assets | 1.1326% | 795 |
| Net interest margin | 3.0806% | 5,859 |
| Noninterest income to average assets | 2.5407% | 312 |
| Noninterest expense to average assets | 2.6036% | 4,731 |
| Loan and lease loss provision to assets | 0.1733% | 3,456 |
| Net operating income to assets | 1.6439% | 697 |
| Return on assets (ROA) | 1.6439% | 771 |
| Pretax return on assets | 2.7499% | 184 |
| Return on Equity (ROE) | 15.6921% | 710 |
| Retained earnings to average equity (ytd only) | 15.6921% | 134 |
| Net charge-offs to loans | 0.0472% | 5,257 |
| Credit loss provision to net charge-offs | 471.1111% | 516 |
| Earnings coverage of net charge-offs (x) | 79.4667% | 477 |
| Efficiency ratio | 47.1084% | 6,751 |
| Assets per employee ($millions) | 5.1711% | 2,021 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7361% | 6,590 |
| Loan loss allowance to noncurrent loans | 1,069.6203% | 439 |
| Noncurrent assets plus other real estate owned to assets | 0.0566% | 6,480 |
| Noncurrent loans to loans | 0.0688% | 6,317 |
| Net loans and leases to total assets | 81.6121% | 349 |
| Net loans and leases to deposits | 92.7272% | 849 |
| Net loans and leases to core deposits | 107.5196% | 629 |
| Total domestic deposits to total assets | 88.0131% | 2,229 |
| Equity capital to assets | 11.3444% | 2,588 |
| Core capital (leverage) ratio | 11.7873% | 1,674 |
| Tier 1 risk-based capital ratio | 13.5952% | 4,674 |
| Total risk-based capital ratio | 14.3841% | 4,960 |
| Memoranda: | ||
| Average total assets | $122,330,400 | 4,307 |
| Average earning assets | $118,580,200 | 4,139 |
| Average equity | $12,815,400 | 4,400 |
| Average total loans | $95,319,000 | 3,635 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2871% | 4,498 |
| Cost of funding earning assets | 1.1505% | 865 |
| Net interest margin | 3.1366% | 5,847 |
| Noninterest income to average assets | 2.3195% | 340 |
| Noninterest expense to average assets | 2.5489% | 4,923 |
| Loan and lease loss provision to assets | 0.1650% | 3,460 |
| Net operating income to assets | 1.5852% | 875 |
| Return on assets (ROA) | 1.5852% | 978 |
| Pretax return on assets | 2.6427% | 236 |
| Return on Equity (ROE) | 15.5116% | 816 |
| Retained earnings to average equity (ytd only) | 15.5116% | 208 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.5849% | 6,743 |
| Assets per employee ($millions) | 4.5947% | 2,753 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8369% | 6,534 |
| Loan loss allowance to noncurrent loans | 1,004.8780% | 430 |
| Noncurrent assets plus other real estate owned to assets | 0.0661% | 6,580 |
| Noncurrent loans to loans | 0.0833% | 6,405 |
| Net loans and leases to total assets | 78.6983% | 652 |
| Net loans and leases to deposits | 88.4089% | 1,304 |
| Net loans and leases to core deposits | 101.0547% | 1,050 |
| Total domestic deposits to total assets | 89.0163% | 1,416 |
| Equity capital to assets | 10.3340% | 4,038 |
| Core capital (leverage) ratio | 10.8029% | 2,596 |
| Tier 1 risk-based capital ratio | 11.7861% | 6,065 |
| Total risk-based capital ratio | 12.6200% | 6,277 |
| Memoranda: | ||
| Average total assets | $118,008,250 | 4,446 |
| Average earning assets | $114,262,000 | 4,281 |
| Average equity | $12,059,500 | 4,603 |
| Average total loans | $90,451,000 | 3,777 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2721% | 4,677 |
| Cost of funding earning assets | 1.1751% | 915 |
| Net interest margin | 3.0970% | 6,015 |
| Noninterest income to average assets | 1.9760% | 414 |
| Noninterest expense to average assets | 2.5347% | 5,018 |
| Loan and lease loss provision to assets | 0.1431% | 3,726 |
| Net operating income to assets | 1.3794% | 1,235 |
| Return on assets (ROA) | 1.3794% | 1,390 |
| Pretax return on assets | 2.3019% | 411 |
| Return on Equity (ROE) | 13.5524% | 1,217 |
| Retained earnings to average equity (ytd only) | 13.5524% | 381 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.9003% | 6,581 |
| Assets per employee ($millions) | 4.6225% | 2,682 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8150% | 6,642 |
| Loan loss allowance to noncurrent loans | 1,135.8209% | 368 |
| Noncurrent assets plus other real estate owned to assets | 0.0580% | 6,671 |
| Noncurrent loans to loans | 0.0718% | 6,489 |
| Net loans and leases to total assets | 80.1414% | 491 |
| Net loans and leases to deposits | 90.0747% | 1,142 |
| Net loans and leases to core deposits | 101.7099% | 994 |
| Total domestic deposits to total assets | 88.9722% | 1,521 |
| Equity capital to assets | 10.5649% | 3,608 |
| Core capital (leverage) ratio | 10.7629% | 2,524 |
| Tier 1 risk-based capital ratio | 12.0811% | 5,875 |
| Total risk-based capital ratio | 12.9103% | 6,114 |
| Memoranda: | ||
| Average total assets | $115,992,330 | 4,507 |
| Average earning assets | $112,497,000 | 4,350 |
| Average equity | $11,806,000 | 4,653 |
| Average total loans | $87,783,330 | 3,861 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1995% | 5,106 |
| Cost of funding earning assets | 1.2135% | 927 |
| Net interest margin | 2.9860% | 6,319 |
| Noninterest income to average assets | 2.1754% | 357 |
| Noninterest expense to average assets | 2.5196% | 5,087 |
| Loan and lease loss provision to assets | 0.1549% | 3,437 |
| Net operating income to assets | 1.4354% | 1,154 |
| Return on assets (ROA) | 1.4354% | 1,294 |
| Pretax return on assets | 2.4060% | 385 |
| Return on Equity (ROE) | 14.3737% | 1,114 |
| Retained earnings to average equity (ytd only) | 14.3737% | 527 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.5935% | 6,699 |
| Assets per employee ($millions) | 5.1801% | 2,017 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8717% | 6,607 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 72.1480% | 1,377 |
| Net loans and leases to deposits | 81.3001% | 2,020 |
| Net loans and leases to core deposits | 92.7061% | 1,579 |
| Total domestic deposits to total assets | 88.7428% | 1,857 |
| Equity capital to assets | 10.3692% | 3,649 |
| Core capital (leverage) ratio | 10.4162% | 2,851 |
| Tier 1 risk-based capital ratio | 11.4546% | 6,308 |
| Total risk-based capital ratio | 12.2339% | 6,533 |
| Memoranda: | ||
| Average total assets | $116,207,500 | 4,535 |
| Average earning assets | $113,060,500 | 4,354 |
| Average equity | $11,604,500 | 4,702 |
| Average total loans | $84,988,000 | 3,973 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2061% | 6,030 |
| Cost of funding earning assets | 1.3760% | 1,141 |
| Net interest margin | 2.8300% | 6,785 |
| Noninterest income to average assets | 1.5681% | 545 |
| Noninterest expense to average assets | 2.5436% | 5,319 |
| Loan and lease loss provision to assets | 0.1469% | 4,775 |
| Net operating income to assets | 0.9537% | 2,394 |
| Return on assets (ROA) | 0.9537% | 2,523 |
| Pretax return on assets | 1.6306% | 1,140 |
| Return on Equity (ROE) | 9.3877% | 2,289 |
| Retained earnings to average equity (ytd only) | 9.3877% | 699 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.8635% | 5,925 |
| Assets per employee ($millions) | 5.9226% | 1,294 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7790% | 6,785 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 72.9013% | 1,474 |
| Net loans and leases to deposits | 81.7002% | 2,244 |
| Net loans and leases to core deposits | 92.9636% | 1,800 |
| Total domestic deposits to total assets | 89.2302% | 1,403 |
| Equity capital to assets | 9.6174% | 4,719 |
| Core capital (leverage) ratio | 9.8304% | 3,543 |
| Tier 1 risk-based capital ratio | 10.8346% | 6,540 |
| Total risk-based capital ratio | 11.5460% | 6,750 |
| Memoranda: | ||
| Average total assets | $105,480,000 | 4,746 |
| Average earning assets | $102,613,200 | 4,574 |
| Average equity | $10,716,200 | 4,852 |
| Average total loans | $73,608,000 | 4,361 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1507% | 6,315 |
| Cost of funding earning assets | 1.4060% | 1,215 |
| Net interest margin | 2.7448% | 6,951 |
| Noninterest income to average assets | 1.1268% | 1,037 |
| Noninterest expense to average assets | 2.5783% | 5,158 |
| Loan and lease loss provision to assets | 0.1956% | 4,066 |
| Net operating income to assets | 0.5934% | 4,114 |
| Return on assets (ROA) | 0.5934% | 4,303 |
| Pretax return on assets | 1.0185% | 3,336 |
| Return on Equity (ROE) | 5.7517% | 4,142 |
| Retained earnings to average equity (ytd only) | 5.7517% | 2,706 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9849% | 4,314 |
| Assets per employee ($millions) | 5.3733% | 1,734 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8932% | 6,617 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 69.4852% | 2,184 |
| Net loans and leases to deposits | 78.0266% | 2,982 |
| Net loans and leases to core deposits | 89.3560% | 2,322 |
| Total domestic deposits to total assets | 89.0533% | 1,403 |
| Equity capital to assets | 10.0571% | 4,266 |
| Core capital (leverage) ratio | 10.5442% | 2,817 |
| Tier 1 risk-based capital ratio | 11.7044% | 6,101 |
| Total risk-based capital ratio | 12.4874% | 6,389 |
| Memoranda: | ||
| Average total assets | $102,237,000 | 4,860 |
| Average earning assets | $99,289,250 | 4,687 |
| Average equity | $10,547,250 | 4,912 |
| Average total loans | $70,252,250 | 4,517 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1238% | 6,434 |
| Cost of funding earning assets | 1.4389% | 1,239 |
| Net interest margin | 2.6849% | 7,045 |
| Noninterest income to average assets | 1.0309% | 1,247 |
| Noninterest expense to average assets | 2.5713% | 5,287 |
| Loan and lease loss provision to assets | 0.2806% | 3,135 |
| Net operating income to assets | 0.4518% | 4,713 |
| Return on assets (ROA) | 0.4518% | 4,851 |
| Pretax return on assets | 0.7821% | 4,092 |
| Return on Equity (ROE) | 4.3402% | 4,770 |
| Retained earnings to average equity (ytd only) | 4.3402% | 3,433 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7558% | 3,971 |
| Assets per employee ($millions) | 5.4114% | 1,647 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9343% | 6,567 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 68.4738% | 2,521 |
| Net loans and leases to deposits | 76.8312% | 3,320 |
| Net loans and leases to core deposits | 88.4547% | 2,575 |
| Total domestic deposits to total assets | 89.1223% | 1,466 |
| Equity capital to assets | 10.2844% | 3,772 |
| Core capital (leverage) ratio | 10.7949% | 2,425 |
| Tier 1 risk-based capital ratio | 11.7280% | 5,989 |
| Total risk-based capital ratio | 12.5177% | 6,340 |
| Memoranda: | ||
| Average total assets | $100,494,000 | 4,947 |
| Average earning assets | $97,434,670 | 4,775 |
| Average equity | $10,460,330 | 4,935 |
| Average total loans | $68,554,330 | 4,630 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0243% | 6,648 |
| Cost of funding earning assets | 1.5081% | 1,133 |
| Net interest margin | 2.5162% | 7,185 |
| Noninterest income to average assets | 1.1758% | 934 |
| Noninterest expense to average assets | 2.5530% | 5,377 |
| Loan and lease loss provision to assets | 0.2134% | 3,516 |
| Net operating income to assets | 0.5074% | 4,462 |
| Return on assets (ROA) | 0.5074% | 4,547 |
| Pretax return on assets | 0.8617% | 3,656 |
| Return on Equity (ROE) | 4.8445% | 4,481 |
| Retained earnings to average equity (ytd only) | 4.8445% | 3,283 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3663% | 4,185 |
| Assets per employee ($millions) | 5.5143% | 1,566 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9394% | 6,589 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 61.2968% | 4,013 |
| Net loans and leases to deposits | 68.9967% | 4,529 |
| Net loans and leases to core deposits | 79.3712% | 3,836 |
| Total domestic deposits to total assets | 88.8402% | 1,873 |
| Equity capital to assets | 10.5473% | 3,132 |
| Core capital (leverage) ratio | 10.6610% | 2,464 |
| Tier 1 risk-based capital ratio | 11.9494% | 5,740 |
| Total risk-based capital ratio | 12.6502% | 6,165 |
| Memoranda: | ||
| Average total assets | $99,333,000 | 5,018 |
| Average earning assets | $96,812,500 | 4,830 |
| Average equity | $10,403,500 | 4,937 |
| Average total loans | $67,298,500 | 4,714 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4669% | 6,478 |
| Cost of funding earning assets | 1.5963% | 2,092 |
| Net interest margin | 2.8706% | 6,936 |
| Noninterest income to average assets | 1.5990% | 567 |
| Noninterest expense to average assets | 2.7123% | 4,938 |
| Loan and lease loss provision to assets | 0.1668% | 5,550 |
| Net operating income to assets | 1.1268% | 1,621 |
| Return on assets (ROA) | 1.1268% | 1,698 |
| Pretax return on assets | 1.4919% | 1,397 |
| Return on Equity (ROE) | 10.3569% | 1,796 |
| Retained earnings to average equity (ytd only) | 10.3569% | 456 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0521% | 5,724 |
| Assets per employee ($millions) | 5.5227% | 1,555 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7161% | 7,116 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 73.0867% | 1,851 |
| Net loans and leases to deposits | 82.5314% | 2,704 |
| Net loans and leases to core deposits | 94.9080% | 2,145 |
| Total domestic deposits to total assets | 88.5563% | 1,916 |
| Equity capital to assets | 10.3996% | 3,274 |
| Core capital (leverage) ratio | 10.2118% | 2,852 |
| Tier 1 risk-based capital ratio | 12.7010% | 4,863 |
| Total risk-based capital ratio | 13.4001% | 5,317 |
| Memoranda: | ||
| Average total assets | $88,743,600 | 5,327 |
| Average earning assets | $85,696,600 | 5,153 |
| Average equity | $9,655,400 | 5,224 |
| Average total loans | $60,894,400 | 5,033 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4817% | 6,649 |
| Cost of funding earning assets | 1.5830% | 2,486 |
| Net interest margin | 2.8987% | 7,006 |
| Noninterest income to average assets | 1.2299% | 913 |
| Noninterest expense to average assets | 2.8052% | 4,467 |
| Loan and lease loss provision to assets | 0.2122% | 4,945 |
| Net operating income to assets | 0.8999% | 2,608 |
| Return on assets (ROA) | 0.8999% | 2,761 |
| Pretax return on assets | 1.0006% | 3,181 |
| Return on Equity (ROE) | 8.1673% | 2,835 |
| Retained earnings to average equity (ytd only) | 8.1673% | 1,365 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8150% | 4,105 |
| Assets per employee ($millions) | 6.0425% | 1,213 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8253% | 6,948 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 59.8927% | 4,933 |
| Net loans and leases to deposits | 66.8017% | 5,570 |
| Net loans and leases to core deposits | 76.7522% | 4,958 |
| Total domestic deposits to total assets | 89.6575% | 1,044 |
| Equity capital to assets | 9.6065% | 4,680 |
| Core capital (leverage) ratio | 11.0419% | 2,230 |
| Tier 1 risk-based capital ratio | 11.3412% | 6,062 |
| Total risk-based capital ratio | 11.9676% | 6,597 |
| Memoranda: | ||
| Average total assets | $86,077,500 | 5,470 |
| Average earning assets | $82,794,000 | 5,313 |
| Average equity | $9,484,750 | 5,348 |
| Average total loans | $57,823,500 | 5,241 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6337% | 6,360 |
| Cost of funding earning assets | 1.6568% | 2,348 |
| Net interest margin | 2.9770% | 6,879 |
| Noninterest income to average assets | 0.8692% | 1,805 |
| Noninterest expense to average assets | 2.8983% | 4,080 |
| Loan and lease loss provision to assets | 0.1142% | 5,763 |
| Net operating income to assets | 0.6408% | 3,677 |
| Return on assets (ROA) | 0.6408% | 3,823 |
| Pretax return on assets | 0.7128% | 4,191 |
| Return on Equity (ROE) | 5.5146% | 4,037 |
| Retained earnings to average equity (ytd only) | 5.5146% | 2,601 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.8000% | 2,757 |
| Assets per employee ($millions) | 5.4348% | 1,684 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6672% | 7,311 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 72.0836% | 2,374 |
| Net loans and leases to deposits | 81.2846% | 3,389 |
| Net loans and leases to core deposits | 90.5272% | 3,186 |
| Total domestic deposits to total assets | 88.6805% | 1,617 |
| Equity capital to assets | 10.9458% | 2,923 |
| Core capital (leverage) ratio | 11.9185% | 1,691 |
| Tier 1 risk-based capital ratio | 15.7617% | 2,771 |
| Total risk-based capital ratio | 16.4920% | 2,996 |
| Memoranda: | ||
| Average total assets | $80,529,330 | 5,683 |
| Average earning assets | $77,259,330 | 5,540 |
| Average equity | $9,357,000 | 5,398 |
| Average total loans | $56,419,670 | 5,336 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5712% | 6,632 |
| Cost of funding earning assets | 1.8014% | 1,868 |
| Net interest margin | 2.7698% | 7,225 |
| Noninterest income to average assets | 0.8433% | 1,834 |
| Noninterest expense to average assets | 2.7265% | 4,781 |
| Loan and lease loss provision to assets | 0.1293% | 5,276 |
| Net operating income to assets | 0.5743% | 4,013 |
| Return on assets (ROA) | 0.5743% | 4,156 |
| Pretax return on assets | 0.6363% | 4,467 |
| Return on Equity (ROE) | 4.7863% | 4,479 |
| Retained earnings to average equity (ytd only) | 4.7863% | 3,276 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.0741% | 2,881 |
| Assets per employee ($millions) | 5.2871% | 1,874 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7856% | 7,159 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 63.6951% | 4,396 |
| Net loans and leases to deposits | 72.4797% | 4,990 |
| Net loans and leases to core deposits | 79.1321% | 4,877 |
| Total domestic deposits to total assets | 87.8799% | 2,131 |
| Equity capital to assets | 11.7835% | 2,176 |
| Core capital (leverage) ratio | 12.1938% | 1,552 |
| Tier 1 risk-based capital ratio | 12.5862% | 4,653 |
| Total risk-based capital ratio | 13.1573% | 5,243 |
| Memoranda: | ||
| Average total assets | $77,316,000 | 5,842 |
| Average earning assets | $73,941,500 | 5,706 |
| Average equity | $9,276,500 | 5,461 |
| Average total loans | $53,078,500 | 5,532 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8131% | 6,923 |
| Cost of funding earning assets | 2.3455% | 1,473 |
| Net interest margin | 2.4676% | 7,461 |
| Noninterest income to average assets | 0.6427% | 3,338 |
| Noninterest expense to average assets | 2.3006% | 6,749 |
| Loan and lease loss provision to assets | 0.0895% | 6,717 |
| Net operating income to assets | 0.5228% | 3,640 |
| Return on assets (ROA) | 0.5228% | 3,723 |
| Pretax return on assets | 0.5863% | 3,942 |
| Return on Equity (ROE) | 4.0742% | 4,056 |
| Retained earnings to average equity (ytd only) | 4.0742% | 2,366 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2926% | 3,310 |
| Assets per employee ($millions) | 5.7943% | 1,386 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6788% | 7,416 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 72.8407% | 2,546 |
| Net loans and leases to deposits | 83.3924% | 3,379 |
| Net loans and leases to core deposits | 131.6916% | 1,188 |
| Total domestic deposits to total assets | 87.3470% | 2,302 |
| Equity capital to assets | 12.2242% | 1,899 |
| Core capital (leverage) ratio | 11.9529% | 1,684 |
| Tier 1 risk-based capital ratio | 13.6475% | 3,723 |
| Total risk-based capital ratio | 14.2226% | 4,111 |
| Memoranda: | ||
| Average total assets | $69,242,400 | 6,027 |
| Average earning assets | $65,488,000 | 5,946 |
| Average equity | $8,885,200 | 5,639 |
| Average total loans | $47,678,400 | 5,776 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7700% | 7,170 |
| Cost of funding earning assets | 2.4162% | 1,574 |
| Net interest margin | 2.3538% | 7,600 |
| Noninterest income to average assets | 0.4193% | 5,138 |
| Noninterest expense to average assets | 2.3350% | 6,615 |
| Loan and lease loss provision to assets | 0.1063% | 6,311 |
| Net operating income to assets | 0.1811% | 5,217 |
| Return on assets (ROA) | 0.1811% | 5,284 |
| Pretax return on assets | 0.2048% | 5,290 |
| Return on Equity (ROE) | 1.3932% | 5,374 |
| Retained earnings to average equity (ytd only) | 1.3932% | 4,539 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.2440% | 1,846 |
| Assets per employee ($millions) | 7.7569% | 566 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7596% | 7,233 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 61.8095% | 5,278 |
| Net loans and leases to deposits | 70.1740% | 5,893 |
| Net loans and leases to core deposits | 107.8870% | 3,482 |
| Total domestic deposits to total assets | 88.0803% | 1,620 |
| Equity capital to assets | 11.4878% | 2,595 |
| Core capital (leverage) ratio | 12.2080% | 1,705 |
| Tier 1 risk-based capital ratio | 12.2652% | 4,735 |
| Total risk-based capital ratio | 12.7896% | 5,343 |
| Memoranda: | ||
| Average total assets | $67,721,500 | 6,117 |
| Average earning assets | $64,065,000 | 6,032 |
| Average equity | $8,804,500 | 5,720 |
| Average total loans | $45,787,250 | 5,893 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8649% | 7,108 |
| Cost of funding earning assets | 2.5306% | 1,506 |
| Net interest margin | 2.3344% | 7,643 |
| Noninterest income to average assets | 0.4314% | 5,013 |
| Noninterest expense to average assets | 2.4054% | 6,443 |
| Loan and lease loss provision to assets | 0.1428% | 5,640 |
| Net operating income to assets | 0.0900% | 5,591 |
| Return on assets (ROA) | 0.0900% | 5,692 |
| Pretax return on assets | 0.0993% | 5,677 |
| Return on Equity (ROE) | 0.6614% | 5,733 |
| Retained earnings to average equity (ytd only) | 0.6614% | 4,923 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.8558% | 1,740 |
| Assets per employee ($millions) | 7.3608% | 650 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7346% | 7,345 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 66.0838% | 4,550 |
| Net loans and leases to deposits | 75.3431% | 5,269 |
| Net loans and leases to core deposits | 117.6316% | 2,577 |
| Total domestic deposits to total assets | 87.7106% | 1,923 |
| Equity capital to assets | 11.9851% | 2,216 |
| Core capital (leverage) ratio | 12.6806% | 1,546 |
| Tier 1 risk-based capital ratio | 13.5168% | 3,809 |
| Total risk-based capital ratio | 14.0944% | 4,168 |
| Memoranda: | ||
| Average total assets | $64,439,000 | 6,283 |
| Average earning assets | $61,172,330 | 6,176 |
| Average equity | $8,769,000 | 5,756 |
| Average total loans | $44,945,670 | 5,981 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0366% | 6,840 |
| Cost of funding earning assets | 2.6904% | 1,298 |
| Net interest margin | 2.3462% | 7,672 |
| Noninterest income to average assets | 0.1871% | 6,952 |
| Noninterest expense to average assets | 2.5061% | 5,819 |
| Loan and lease loss provision to assets | 0.0668% | 6,111 |
| Net operating income to assets | -0.1537% | 6,483 |
| Return on assets (ROA) | -0.1537% | 6,588 |
| Pretax return on assets | -0.1537% | 6,520 |
| Return on Equity (ROE) | -1.0523% | 6,542 |
| Retained earnings to average equity (ytd only) | -1.0523% | 5,895 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.5912% | 996 |
| Assets per employee ($millions) | 7.5979% | 598 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7415% | 7,335 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 71.1334% | 3,439 |
| Net loans and leases to deposits | 83.2842% | 4,095 |
| Net loans and leases to core deposits | 139.6318% | 1,119 |
| Total domestic deposits to total assets | 85.4104% | 3,012 |
| Equity capital to assets | 14.3856% | 1,259 |
| Core capital (leverage) ratio | 14.4031% | 1,106 |
| Tier 1 risk-based capital ratio | 17.2180% | 2,261 |
| Total risk-based capital ratio | 17.8954% | 2,390 |
| Memoranda: | ||
| Average total assets | $59,854,500 | 6,481 |
| Average earning assets | $56,943,500 | 6,381 |
| Average equity | $8,742,500 | 5,799 |
| Average total loans | $42,917,000 | 6,094 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2153% | 7,674 |
| Cost of funding earning assets | 3.0461% | 1,699 |
| Net interest margin | 2.1692% | 7,975 |
| Noninterest income to average assets | 0.1544% | 7,322 |
| Noninterest expense to average assets | 2.4205% | 6,326 |
| Loan and lease loss provision to assets | 0.2147% | 4,744 |
| Net operating income to assets | -0.3957% | 6,819 |
| Return on assets (ROA) | -0.3957% | 6,700 |
| Pretax return on assets | -0.3957% | 6,543 |
| Return on Equity (ROE) | -2.5410% | 6,567 |
| Retained earnings to average equity (ytd only) | -2.5410% | 6,002 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 108.0824% | 758 |
| Assets per employee ($millions) | 7.3658% | 607 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7404% | 7,327 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 71.2097% | 3,748 |
| Net loans and leases to deposits | 83.8516% | 4,443 |
| Net loans and leases to core deposits | 139.2295% | 1,305 |
| Total domestic deposits to total assets | 84.9235% | 2,877 |
| Equity capital to assets | 14.8339% | 1,202 |
| Core capital (leverage) ratio | 15.0821% | 1,014 |
| Tier 1 risk-based capital ratio | 19.5644% | 1,691 |
| Total risk-based capital ratio | 20.2919% | 1,761 |
| Memoranda: | ||
| Average total assets | $56,353,000 | 6,511 |
| Average earning assets | $54,167,600 | 6,405 |
| Average equity | $8,776,000 | 5,819 |
| Average total loans | $32,727,000 | 6,567 |