Home > PennCrest Bank > Performance and Condition Ratios
PennCrest Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7318% | 4,249 |
| Cost of funding earning assets | 0.7597% | 3,838 |
| Net interest margin | 2.9720% | 3,354 |
| Noninterest income to average assets | 0.5100% | 1,936 |
| Noninterest expense to average assets | 2.8469% | 1,399 |
| Loan and lease loss provision to assets | 0.0100% | 2,964 |
| Net operating income to assets | 0.3403% | 3,974 |
| Return on assets (ROA) | 0.3403% | 3,969 |
| Pretax return on assets | 0.4077% | 3,950 |
| Return on Equity (ROE) | 2.8900% | 4,040 |
| Retained earnings to average equity (ytd only) | 2.8927% | 3,314 |
| Net charge-offs to loans | 0.0452% | 1,436 |
| Credit loss provision to net charge-offs | 23.0769% | 2,297 |
| Earnings coverage of net charge-offs (x) | 14.0000% | 2,092 |
| Efficiency ratio | 86.1453% | 549 |
| Assets per employee ($millions) | 4.7898% | 3,783 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3140% | 4,420 |
| Loan loss allowance to noncurrent loans | 51.5084% | 3,607 |
| Noncurrent assets plus other real estate owned to assets | 0.4743% | 1,178 |
| Noncurrent loans to loans | 0.6097% | 1,292 |
| Net loans and leases to total assets | 66.4100% | 2,211 |
| Net loans and leases to deposits | 79.5096% | 2,151 |
| Net loans and leases to core deposits | 81.4733% | 2,624 |
| Total domestic deposits to total assets | 83.5300% | 2,747 |
| Equity capital to assets | 12.2870% | 1,040 |
| Core capital (leverage) ratio | 14.0407% | 799 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $219,535,400 | 2,849 |
| Average earning assets | $203,362,000 | 2,837 |
| Average equity | $25,823,400 | 2,473 |
| Average total loans | $143,833,400 | 2,728 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7192% | 4,193 |
| Cost of funding earning assets | 0.6689% | 3,833 |
| Net interest margin | 3.0503% | 3,233 |
| Noninterest income to average assets | 0.5100% | 1,913 |
| Noninterest expense to average assets | 2.8516% | 1,317 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | 0.3903% | 3,977 |
| Return on assets (ROA) | 0.3903% | 3,978 |
| Pretax return on assets | 0.4754% | 3,945 |
| Return on Equity (ROE) | 3.3600% | 4,065 |
| Retained earnings to average equity (ytd only) | 3.3553% | 3,430 |
| Net charge-offs to loans | 0.0382% | 1,342 |
| Credit loss provision to net charge-offs | 36.5854% | 1,948 |
| Earnings coverage of net charge-offs (x) | 19.4390% | 1,832 |
| Efficiency ratio | 84.3477% | 595 |
| Assets per employee ($millions) | 4.7097% | 3,805 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3342% | 4,433 |
| Loan loss allowance to noncurrent loans | 54.5557% | 3,600 |
| Noncurrent assets plus other real estate owned to assets | 0.4796% | 1,206 |
| Noncurrent loans to loans | 0.6125% | 1,323 |
| Net loans and leases to total assets | 66.7700% | 2,180 |
| Net loans and leases to deposits | 78.5221% | 2,201 |
| Net loans and leases to core deposits | 80.4502% | 2,565 |
| Total domestic deposits to total assets | 85.0300% | 2,490 |
| Equity capital to assets | 11.4288% | 1,207 |
| Core capital (leverage) ratio | 14.0946% | 807 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $219,336,500 | 2,866 |
| Average earning assets | $203,119,250 | 2,856 |
| Average equity | $25,511,250 | 2,477 |
| Average total loans | $143,093,750 | 2,734 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5500% | 4,301 |
| Cost of funding earning assets | 0.5944% | 3,764 |
| Net interest margin | 2.9556% | 3,553 |
| Noninterest income to average assets | 0.5000% | 1,875 |
| Noninterest expense to average assets | 2.8697% | 1,281 |
| Loan and lease loss provision to assets | 0.0100% | 2,681 |
| Net operating income to assets | 0.3042% | 4,150 |
| Return on assets (ROA) | 0.3042% | 4,176 |
| Pretax return on assets | 0.3551% | 4,173 |
| Return on Equity (ROE) | 2.6000% | 4,205 |
| Retained earnings to average equity (ytd only) | 2.6008% | 3,576 |
| Net charge-offs to loans | 0.0169% | 1,580 |
| Credit loss provision to net charge-offs | 125.0000% | 1,305 |
| Earnings coverage of net charge-offs (x) | 33.8333% | 1,491 |
| Efficiency ratio | 87.4369% | 448 |
| Assets per employee ($millions) | 4.4476% | 3,982 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3602% | 4,457 |
| Loan loss allowance to noncurrent loans | 54.6809% | 3,609 |
| Noncurrent assets plus other real estate owned to assets | 0.5002% | 1,088 |
| Noncurrent loans to loans | 0.6588% | 1,133 |
| Net loans and leases to total assets | 65.2400% | 2,242 |
| Net loans and leases to deposits | 76.1805% | 2,295 |
| Net loans and leases to core deposits | 77.7461% | 2,633 |
| Total domestic deposits to total assets | 85.6300% | 2,352 |
| Equity capital to assets | 11.8758% | 1,084 |
| Core capital (leverage) ratio | 13.8972% | 792 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $220,233,667 | 2,869 |
| Average earning assets | $203,887,333 | 2,863 |
| Average equity | $25,761,667 | 2,481 |
| Average total loans | $142,413,000 | 2,749 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5191% | 4,242 |
| Cost of funding earning assets | 0.5228% | 3,622 |
| Net interest margin | 2.9963% | 3,612 |
| Noninterest income to average assets | 0.5000% | 1,841 |
| Noninterest expense to average assets | 2.8421% | 1,348 |
| Loan and lease loss provision to assets | 0.0300% | 2,084 |
| Net operating income to assets | 0.3397% | 4,189 |
| Return on assets (ROA) | 0.3397% | 4,142 |
| Pretax return on assets | 0.4011% | 4,129 |
| Return on Equity (ROE) | 2.9300% | 4,194 |
| Retained earnings to average equity (ytd only) | 2.9258% | 3,522 |
| Net charge-offs to loans | 0.0084% | 1,629 |
| Credit loss provision to net charge-offs | 500.0000% | 542 |
| Earnings coverage of net charge-offs (x) | 79.0000% | 898 |
| Efficiency ratio | 85.7459% | 519 |
| Assets per employee ($millions) | 4.2488% | 4,145 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3681% | 4,516 |
| Loan loss allowance to noncurrent loans | 65.9521% | 3,590 |
| Noncurrent assets plus other real estate owned to assets | 0.4268% | 1,210 |
| Noncurrent loans to loans | 0.5581% | 1,324 |
| Net loans and leases to total assets | 64.0700% | 2,246 |
| Net loans and leases to deposits | 74.4322% | 2,265 |
| Net loans and leases to core deposits | 75.8231% | 2,546 |
| Total domestic deposits to total assets | 86.0800% | 2,565 |
| Equity capital to assets | 11.9250% | 1,019 |
| Core capital (leverage) ratio | 13.8371% | 763 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $221,385,000 | 2,902 |
| Average earning assets | $205,054,000 | 2,895 |
| Average equity | $25,702,000 | 2,505 |
| Average total loans | $142,278,500 | 2,778 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3257% | 3,525 |
| Cost of funding earning assets | 0.3744% | 2,297 |
| Net interest margin | 2.9513% | 3,566 |
| Noninterest income to average assets | 0.4700% | 2,269 |
| Noninterest expense to average assets | 2.8389% | 1,243 |
| Loan and lease loss provision to assets | -0.0900% | 4,511 |
| Net operating income to assets | 0.4010% | 4,241 |
| Return on assets (ROA) | 0.4109% | 4,196 |
| Pretax return on assets | 0.4966% | 4,175 |
| Return on Equity (ROE) | 3.3000% | 4,262 |
| Retained earnings to average equity (ytd only) | 3.3034% | 3,627 |
| Net charge-offs to loans | 0.0215% | 1,646 |
| Credit loss provision to net charge-offs | -666.6667% | 4,642 |
| Earnings coverage of net charge-offs (x) | 28.4000% | 1,714 |
| Efficiency ratio | 87.3699% | 379 |
| Assets per employee ($millions) | 4.6215% | 3,957 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2885% | 4,554 |
| Loan loss allowance to noncurrent loans | 52.0253% | 3,683 |
| Noncurrent assets plus other real estate owned to assets | 0.4476% | 1,137 |
| Noncurrent loans to loans | 0.5545% | 1,336 |
| Net loans and leases to total assets | 64.0400% | 2,240 |
| Net loans and leases to deposits | 74.5337% | 2,214 |
| Net loans and leases to core deposits | 75.4946% | 2,464 |
| Total domestic deposits to total assets | 85.9200% | 2,753 |
| Equity capital to assets | 11.2956% | 1,146 |
| Core capital (leverage) ratio | 13.7177% | 771 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $217,087,400 | 2,927 |
| Average earning assets | $203,266,200 | 2,909 |
| Average equity | $27,002,600 | 2,479 |
| Average total loans | $139,643,000 | 2,730 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2577% | 3,293 |
| Cost of funding earning assets | 0.3639% | 1,579 |
| Net interest margin | 2.8939% | 3,512 |
| Noninterest income to average assets | 0.4500% | 2,428 |
| Noninterest expense to average assets | 2.6833% | 1,509 |
| Loan and lease loss provision to assets | -0.0600% | 4,520 |
| Net operating income to assets | 0.4483% | 4,169 |
| Return on assets (ROA) | 0.4483% | 4,114 |
| Pretax return on assets | 0.5484% | 4,072 |
| Return on Equity (ROE) | 3.5200% | 4,223 |
| Retained earnings to average equity (ytd only) | 3.5213% | 3,610 |
| Net charge-offs to loans | 0.0096% | 1,770 |
| Credit loss provision to net charge-offs | -1,000.0000% | 4,716 |
| Earnings coverage of net charge-offs (x) | 78.8000% | 1,053 |
| Efficiency ratio | 84.2977% | 532 |
| Assets per employee ($millions) | 4.9690% | 3,697 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3742% | 4,555 |
| Loan loss allowance to noncurrent loans | 65.7178% | 3,660 |
| Noncurrent assets plus other real estate owned to assets | 0.4382% | 1,241 |
| Noncurrent loans to loans | 0.5694% | 1,409 |
| Net loans and leases to total assets | 64.6600% | 2,019 |
| Net loans and leases to deposits | 81.4137% | 1,492 |
| Net loans and leases to core deposits | 82.3384% | 1,741 |
| Total domestic deposits to total assets | 79.4200% | 4,149 |
| Equity capital to assets | 11.1849% | 1,109 |
| Core capital (leverage) ratio | 14.1530% | 655 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $215,901,750 | 2,961 |
| Average earning assets | $202,630,750 | 2,933 |
| Average equity | $27,489,000 | 2,489 |
| Average total loans | $138,936,250 | 2,738 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2056% | 3,024 |
| Cost of funding earning assets | 0.3454% | 1,316 |
| Net interest margin | 2.8602% | 3,266 |
| Noninterest income to average assets | 0.4456% | 2,480 |
| Noninterest expense to average assets | 2.6578% | 1,489 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.3963% | 4,113 |
| Return on assets (ROA) | 0.3963% | 4,065 |
| Pretax return on assets | 0.4763% | 4,036 |
| Return on Equity (ROE) | 2.9894% | 4,215 |
| Retained earnings to average equity (ytd only) | 2.9894% | 3,449 |
| Net charge-offs to loans | 0.0029% | 1,968 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 256.0000% | 462 |
| Efficiency ratio | 84.4464% | 655 |
| Assets per employee ($millions) | 4.7782% | 3,860 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4579% | 4,586 |
| Loan loss allowance to noncurrent loans | 129.8780% | 3,159 |
| Noncurrent assets plus other real estate owned to assets | 0.2986% | 1,812 |
| Noncurrent loans to loans | 0.3526% | 2,088 |
| Net loans and leases to total assets | 64.6039% | 1,842 |
| Net loans and leases to deposits | 77.5856% | 1,568 |
| Net loans and leases to core deposits | 78.4399% | 1,829 |
| Total domestic deposits to total assets | 83.2679% | 3,824 |
| Equity capital to assets | 12.0971% | 844 |
| Core capital (leverage) ratio | 14.0922% | 613 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $214,990,667 | 2,987 |
| Average earning assets | $202,083,333 | 2,977 |
| Average equity | $28,500,667 | 2,495 |
| Average total loans | $137,949,333 | 2,765 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1839% | 2,734 |
| Cost of funding earning assets | 0.3496% | 1,204 |
| Net interest margin | 2.8343% | 3,028 |
| Noninterest income to average assets | 0.4373% | 2,457 |
| Noninterest expense to average assets | 2.6291% | 1,530 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.3945% | 3,965 |
| Return on assets (ROA) | 0.3945% | 3,933 |
| Pretax return on assets | 0.4782% | 3,907 |
| Return on Equity (ROE) | 2.8509% | 4,125 |
| Retained earnings to average equity (ytd only) | 2.8509% | 3,313 |
| Net charge-offs to loans | -0.0029% | 3,179 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.2515% | 828 |
| Assets per employee ($millions) | 5.1323% | 3,640 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4666% | 4,614 |
| Loan loss allowance to noncurrent loans | 155.8252% | 2,912 |
| Noncurrent assets plus other real estate owned to assets | 0.2607% | 2,102 |
| Noncurrent loans to loans | 0.2994% | 2,397 |
| Net loans and leases to total assets | 63.5327% | 1,684 |
| Net loans and leases to deposits | 76.8745% | 1,375 |
| Net loans and leases to core deposits | 77.7257% | 1,637 |
| Total domestic deposits to total assets | 82.6448% | 3,987 |
| Equity capital to assets | 13.1410% | 661 |
| Core capital (leverage) ratio | 14.5135% | 506 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $214,977,000 | 3,002 |
| Average earning assets | $202,517,000 | 2,993 |
| Average equity | $29,745,500 | 2,496 |
| Average total loans | $137,149,500 | 2,774 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2812% | 3,267 |
| Cost of funding earning assets | 0.4566% | 1,152 |
| Net interest margin | 2.8246% | 3,612 |
| Noninterest income to average assets | 0.4288% | 2,907 |
| Noninterest expense to average assets | 2.5915% | 1,891 |
| Loan and lease loss provision to assets | 0.0028% | 3,020 |
| Net operating income to assets | 0.4026% | 4,272 |
| Return on assets (ROA) | 0.4060% | 4,301 |
| Pretax return on assets | 0.4998% | 4,260 |
| Return on Equity (ROE) | 2.7576% | 4,402 |
| Retained earnings to average equity (ytd only) | 2.7576% | 3,742 |
| Net charge-offs to loans | 0.0336% | 1,560 |
| Credit loss provision to net charge-offs | 13.3333% | 2,295 |
| Earnings coverage of net charge-offs (x) | 23.3778% | 1,779 |
| Efficiency ratio | 83.4713% | 603 |
| Assets per employee ($millions) | 4.9860% | 3,742 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4689% | 4,649 |
| Loan loss allowance to noncurrent loans | 178.0556% | 2,763 |
| Noncurrent assets plus other real estate owned to assets | 0.2379% | 2,368 |
| Noncurrent loans to loans | 0.2633% | 2,665 |
| Net loans and leases to total assets | 63.4648% | 1,764 |
| Net loans and leases to deposits | 78.1942% | 1,383 |
| Net loans and leases to core deposits | 79.9770% | 1,596 |
| Total domestic deposits to total assets | 81.1632% | 4,086 |
| Equity capital to assets | 14.5360% | 571 |
| Core capital (leverage) ratio | 14.5028% | 536 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $211,076,200 | 2,976 |
| Average earning assets | $198,861,000 | 2,961 |
| Average equity | $31,078,200 | 2,466 |
| Average total loans | $133,877,000 | 2,802 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2962% | 3,398 |
| Cost of funding earning assets | 0.4740% | 1,188 |
| Net interest margin | 2.8223% | 3,729 |
| Noninterest income to average assets | 0.4185% | 2,991 |
| Noninterest expense to average assets | 2.5405% | 2,002 |
| Loan and lease loss provision to assets | 0.0038% | 2,898 |
| Net operating income to assets | 0.4298% | 4,327 |
| Return on assets (ROA) | 0.4344% | 4,354 |
| Pretax return on assets | 0.5384% | 4,316 |
| Return on Equity (ROE) | 2.9408% | 4,472 |
| Retained earnings to average equity (ytd only) | 2.9408% | 3,926 |
| Net charge-offs to loans | 0.0140% | 1,807 |
| Credit loss provision to net charge-offs | 42.8571% | 1,901 |
| Earnings coverage of net charge-offs (x) | 60.4286% | 1,133 |
| Efficiency ratio | 82.1517% | 625 |
| Assets per employee ($millions) | 5.0205% | 3,677 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4940% | 4,710 |
| Loan loss allowance to noncurrent loans | 143.8972% | 2,963 |
| Noncurrent assets plus other real estate owned to assets | 0.2858% | 2,344 |
| Noncurrent loans to loans | 0.3433% | 2,555 |
| Net loans and leases to total assets | 62.7012% | 1,923 |
| Net loans and leases to deposits | 79.1482% | 1,368 |
| Net loans and leases to core deposits | 80.9865% | 1,649 |
| Total domestic deposits to total assets | 79.2200% | 4,323 |
| Equity capital to assets | 14.4890% | 637 |
| Core capital (leverage) ratio | 14.5747% | 546 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $210,245,500 | 3,019 |
| Average earning assets | $198,039,000 | 3,005 |
| Average equity | $31,056,500 | 2,495 |
| Average total loans | $133,169,000 | 2,847 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3321% | 3,353 |
| Cost of funding earning assets | 0.5001% | 1,202 |
| Net interest margin | 2.8321% | 3,717 |
| Noninterest income to average assets | 0.4147% | 3,037 |
| Noninterest expense to average assets | 2.5781% | 1,916 |
| Loan and lease loss provision to assets | 0.0058% | 2,785 |
| Net operating income to assets | 0.4019% | 4,379 |
| Return on assets (ROA) | 0.4089% | 4,409 |
| Pretax return on assets | 0.5030% | 4,389 |
| Return on Equity (ROE) | 2.7500% | 4,516 |
| Retained earnings to average equity (ytd only) | 2.7500% | 3,922 |
| Net charge-offs to loans | 0.0030% | 2,076 |
| Credit loss provision to net charge-offs | 300.0000% | 880 |
| Earnings coverage of net charge-offs (x) | 260.5000% | 421 |
| Efficiency ratio | 83.3489% | 591 |
| Assets per employee ($millions) | 5.0366% | 3,634 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5119% | 4,728 |
| Loan loss allowance to noncurrent loans | 125.2747% | 3,088 |
| Noncurrent assets plus other real estate owned to assets | 0.3290% | 2,279 |
| Noncurrent loans to loans | 0.4086% | 2,455 |
| Net loans and leases to total assets | 62.8451% | 2,076 |
| Net loans and leases to deposits | 79.6761% | 1,459 |
| Net loans and leases to core deposits | 81.2088% | 1,776 |
| Total domestic deposits to total assets | 78.8758% | 4,357 |
| Equity capital to assets | 14.7235% | 575 |
| Core capital (leverage) ratio | 14.6437% | 516 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $208,367,000 | 3,028 |
| Average earning assets | $195,969,667 | 3,016 |
| Average equity | $30,982,333 | 2,490 |
| Average total loans | $132,214,667 | 2,871 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3448% | 3,353 |
| Cost of funding earning assets | 0.5269% | 1,221 |
| Net interest margin | 2.8179% | 3,715 |
| Noninterest income to average assets | 0.3888% | 3,157 |
| Noninterest expense to average assets | 2.6018% | 1,879 |
| Loan and lease loss provision to assets | 0.0290% | 2,405 |
| Net operating income to assets | 0.3357% | 4,471 |
| Return on assets (ROA) | 0.3501% | 4,478 |
| Pretax return on assets | 0.4236% | 4,458 |
| Return on Equity (ROE) | 2.3430% | 4,567 |
| Retained earnings to average equity (ytd only) | 2.3430% | 3,941 |
| Net charge-offs to loans | 0.0061% | 1,682 |
| Credit loss provision to net charge-offs | 750.0000% | 491 |
| Earnings coverage of net charge-offs (x) | 112.5000% | 569 |
| Efficiency ratio | 85.2229% | 543 |
| Assets per employee ($millions) | 4.9873% | 3,673 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5205% | 4,759 |
| Loan loss allowance to noncurrent loans | 142.8866% | 2,855 |
| Noncurrent assets plus other real estate owned to assets | 0.3032% | 2,625 |
| Noncurrent loans to loans | 0.3643% | 2,778 |
| Net loans and leases to total assets | 63.2320% | 2,145 |
| Net loans and leases to deposits | 78.9030% | 1,624 |
| Net loans and leases to core deposits | 80.5332% | 1,956 |
| Total domestic deposits to total assets | 80.1389% | 4,185 |
| Equity capital to assets | 14.6325% | 554 |
| Core capital (leverage) ratio | 14.8005% | 514 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $206,781,000 | 3,029 |
| Average earning assets | $194,332,000 | 3,020 |
| Average equity | $30,900,500 | 2,490 |
| Average total loans | $131,509,000 | 2,883 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6273% | 3,743 |
| Cost of funding earning assets | 0.6725% | 1,863 |
| Net interest margin | 2.9548% | 4,000 |
| Noninterest income to average assets | 0.4169% | 3,024 |
| Noninterest expense to average assets | 2.7393% | 2,118 |
| Loan and lease loss provision to assets | 0.1592% | 2,381 |
| Net operating income to assets | 0.2410% | 4,515 |
| Return on assets (ROA) | 0.2547% | 4,560 |
| Pretax return on assets | 0.2957% | 4,550 |
| Return on Equity (ROE) | 1.6321% | 4,606 |
| Retained earnings to average equity (ytd only) | 1.6321% | 3,981 |
| Net charge-offs to loans | 0.0659% | 1,839 |
| Credit loss provision to net charge-offs | 378.0488% | 1,497 |
| Earnings coverage of net charge-offs (x) | 10.4268% | 2,461 |
| Efficiency ratio | 85.6704% | 542 |
| Assets per employee ($millions) | 4.7464% | 3,665 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5236% | 4,774 |
| Loan loss allowance to noncurrent loans | 122.3022% | 3,065 |
| Noncurrent assets plus other real estate owned to assets | 0.3778% | 2,471 |
| Noncurrent loans to loans | 0.4281% | 2,695 |
| Net loans and leases to total assets | 63.3013% | 2,451 |
| Net loans and leases to deposits | 80.7813% | 1,785 |
| Net loans and leases to core deposits | 82.4022% | 2,164 |
| Total domestic deposits to total assets | 78.3613% | 4,279 |
| Equity capital to assets | 15.2628% | 529 |
| Core capital (leverage) ratio | 14.9598% | 513 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $194,760,200 | 2,986 |
| Average earning assets | $182,006,800 | 2,982 |
| Average equity | $30,390,600 | 2,461 |
| Average total loans | $124,453,800 | 2,929 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6636% | 3,880 |
| Cost of funding earning assets | 0.6959% | 2,045 |
| Net interest margin | 2.9677% | 4,055 |
| Noninterest income to average assets | 0.4358% | 2,906 |
| Noninterest expense to average assets | 2.7937% | 1,984 |
| Loan and lease loss provision to assets | 0.1731% | 2,253 |
| Net operating income to assets | 0.2100% | 4,573 |
| Return on assets (ROA) | 0.2287% | 4,589 |
| Pretax return on assets | 0.2619% | 4,595 |
| Return on Equity (ROE) | 1.4569% | 4,630 |
| Retained earnings to average equity (ytd only) | 1.4569% | 4,096 |
| Net charge-offs to loans | 0.0477% | 1,931 |
| Credit loss provision to net charge-offs | 568.1818% | 1,194 |
| Earnings coverage of net charge-offs (x) | 13.5682% | 2,193 |
| Efficiency ratio | 86.5846% | 473 |
| Assets per employee ($millions) | 4.5432% | 3,789 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5237% | 4,794 |
| Loan loss allowance to noncurrent loans | 188.0000% | 2,317 |
| Noncurrent assets plus other real estate owned to assets | 0.2941% | 2,980 |
| Noncurrent loans to loans | 0.2786% | 3,294 |
| Net loans and leases to total assets | 62.5186% | 2,944 |
| Net loans and leases to deposits | 80.7907% | 2,226 |
| Net loans and leases to core deposits | 82.4636% | 2,624 |
| Total domestic deposits to total assets | 77.3834% | 4,275 |
| Equity capital to assets | 15.4476% | 547 |
| Core capital (leverage) ratio | 15.0110% | 544 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $192,426,000 | 2,985 |
| Average earning assets | $179,710,250 | 2,981 |
| Average equity | $30,200,500 | 2,463 |
| Average total loans | $123,098,250 | 2,957 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7243% | 4,035 |
| Cost of funding earning assets | 0.7164% | 2,300 |
| Net interest margin | 3.0079% | 4,112 |
| Noninterest income to average assets | 0.4296% | 2,912 |
| Noninterest expense to average assets | 2.8252% | 2,039 |
| Loan and lease loss provision to assets | 0.1685% | 2,320 |
| Net operating income to assets | 0.2039% | 4,573 |
| Return on assets (ROA) | 0.2317% | 4,569 |
| Pretax return on assets | 0.2717% | 4,568 |
| Return on Equity (ROE) | 1.4679% | 4,624 |
| Retained earnings to average equity (ytd only) | 1.4679% | 3,946 |
| Net charge-offs to loans | 0.0524% | 1,743 |
| Credit loss provision to net charge-offs | 500.0000% | 1,228 |
| Earnings coverage of net charge-offs (x) | 12.0938% | 2,072 |
| Efficiency ratio | 86.8404% | 504 |
| Assets per employee ($millions) | 4.7250% | 3,506 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4714% | 4,857 |
| Loan loss allowance to noncurrent loans | 76.4163% | 3,599 |
| Noncurrent assets plus other real estate owned to assets | 0.5024% | 2,332 |
| Noncurrent loans to loans | 0.6169% | 2,316 |
| Net loans and leases to total assets | 61.7091% | 3,154 |
| Net loans and leases to deposits | 80.0694% | 2,415 |
| Net loans and leases to core deposits | 81.8860% | 2,785 |
| Total domestic deposits to total assets | 77.0695% | 4,312 |
| Equity capital to assets | 15.4365% | 550 |
| Core capital (leverage) ratio | 15.1881% | 544 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $189,934,000 | 2,987 |
| Average earning assets | $177,000,000 | 2,983 |
| Average equity | $29,974,000 | 2,464 |
| Average total loans | $122,253,000 | 2,948 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8316% | 4,170 |
| Cost of funding earning assets | 0.7302% | 2,781 |
| Net interest margin | 3.1014% | 4,092 |
| Noninterest income to average assets | 0.4890% | 2,606 |
| Noninterest expense to average assets | 2.8932% | 2,144 |
| Loan and lease loss provision to assets | 0.1077% | 2,330 |
| Net operating income to assets | 0.3016% | 4,341 |
| Return on assets (ROA) | 0.3016% | 4,362 |
| Pretax return on assets | 0.3705% | 4,348 |
| Return on Equity (ROE) | 1.8891% | 4,468 |
| Retained earnings to average equity (ytd only) | 1.8891% | 3,482 |
| Net charge-offs to loans | 0.0427% | 1,606 |
| Credit loss provision to net charge-offs | 384.6154% | 1,033 |
| Earnings coverage of net charge-offs (x) | 17.0769% | 1,504 |
| Efficiency ratio | 85.2396% | 754 |
| Assets per employee ($millions) | 4.3727% | 3,442 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4007% | 4,947 |
| Loan loss allowance to noncurrent loans | 97.2167% | 3,275 |
| Noncurrent assets plus other real estate owned to assets | 0.3941% | 2,869 |
| Noncurrent loans to loans | 0.4122% | 3,016 |
| Net loans and leases to total assets | 64.6451% | 2,988 |
| Net loans and leases to deposits | 84.7386% | 2,135 |
| Net loans and leases to core deposits | 86.1762% | 2,666 |
| Total domestic deposits to total assets | 76.2877% | 4,446 |
| Equity capital to assets | 15.7931% | 616 |
| Core capital (leverage) ratio | 15.9482% | 524 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $185,675,000 | 3,002 |
| Average earning assets | $172,566,000 | 2,989 |
| Average equity | $29,644,000 | 2,476 |
| Average total loans | $121,858,000 | 2,936 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8989% | 4,431 |
| Cost of funding earning assets | 0.7112% | 3,112 |
| Net interest margin | 3.1876% | 4,211 |
| Noninterest income to average assets | 0.5493% | 2,484 |
| Noninterest expense to average assets | 2.9387% | 2,171 |
| Loan and lease loss provision to assets | 0.0685% | 2,644 |
| Net operating income to assets | 0.4134% | 4,574 |
| Return on assets (ROA) | 0.4182% | 4,597 |
| Pretax return on assets | 0.5158% | 4,546 |
| Return on Equity (ROE) | 2.6442% | 4,722 |
| Retained earnings to average equity (ytd only) | 2.6442% | 3,714 |
| Net charge-offs to loans | 0.0875% | 1,871 |
| Credit loss provision to net charge-offs | 122.5490% | 2,073 |
| Earnings coverage of net charge-offs (x) | 10.3431% | 2,580 |
| Efficiency ratio | 82.9333% | 735 |
| Assets per employee ($millions) | 4.3649% | 3,421 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3715% | 5,004 |
| Loan loss allowance to noncurrent loans | 72.3200% | 3,725 |
| Noncurrent assets plus other real estate owned to assets | 0.4707% | 2,522 |
| Noncurrent loans to loans | 0.5137% | 2,648 |
| Net loans and leases to total assets | 66.1263% | 2,932 |
| Net loans and leases to deposits | 88.1009% | 1,828 |
| Net loans and leases to core deposits | 89.4914% | 2,467 |
| Total domestic deposits to total assets | 75.0574% | 4,701 |
| Equity capital to assets | 16.1424% | 577 |
| Core capital (leverage) ratio | 16.1227% | 503 |
| Tier 1 risk-based capital ratio | 28.1163% | 550 |
| Total risk-based capital ratio | 28.5547% | 587 |
| Memoranda: | ||
| Average total assets | $182,430,400 | 2,990 |
| Average earning assets | $169,844,000 | 2,991 |
| Average equity | $28,855,400 | 2,453 |
| Average total loans | $116,521,400 | 2,987 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8838% | 4,562 |
| Cost of funding earning assets | 0.7011% | 3,220 |
| Net interest margin | 3.1826% | 4,336 |
| Noninterest income to average assets | 0.5459% | 2,482 |
| Noninterest expense to average assets | 2.9394% | 2,128 |
| Loan and lease loss provision to assets | 0.0439% | 3,030 |
| Net operating income to assets | 0.4259% | 4,670 |
| Return on assets (ROA) | 0.4325% | 4,689 |
| Pretax return on assets | 0.5334% | 4,648 |
| Return on Equity (ROE) | 2.7484% | 4,808 |
| Retained earnings to average equity (ytd only) | 2.7484% | 3,992 |
| Net charge-offs to loans | 0.0752% | 1,746 |
| Credit loss provision to net charge-offs | 92.3077% | 2,371 |
| Earnings coverage of net charge-offs (x) | 11.9699% | 2,401 |
| Efficiency ratio | 83.1491% | 679 |
| Assets per employee ($millions) | 4.2516% | 3,549 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3592% | 5,088 |
| Loan loss allowance to noncurrent loans | 71.7428% | 3,793 |
| Noncurrent assets plus other real estate owned to assets | 0.4535% | 2,704 |
| Noncurrent loans to loans | 0.5006% | 2,794 |
| Net loans and leases to total assets | 64.3423% | 3,254 |
| Net loans and leases to deposits | 86.2896% | 2,162 |
| Net loans and leases to core deposits | 87.6567% | 2,765 |
| Total domestic deposits to total assets | 74.5656% | 4,778 |
| Equity capital to assets | 16.0957% | 616 |
| Core capital (leverage) ratio | 16.0646% | 549 |
| Tier 1 risk-based capital ratio | 28.3108% | 551 |
| Total risk-based capital ratio | 28.7276% | 593 |
| Memoranda: | ||
| Average total assets | $182,206,750 | 3,020 |
| Average earning assets | $169,625,000 | 3,017 |
| Average equity | $28,671,000 | 2,483 |
| Average total loans | $115,232,250 | 3,038 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8712% | 4,602 |
| Cost of funding earning assets | 0.6940% | 3,203 |
| Net interest margin | 3.1772% | 4,407 |
| Noninterest income to average assets | 0.5352% | 2,471 |
| Noninterest expense to average assets | 2.9516% | 2,131 |
| Loan and lease loss provision to assets | 0.0330% | 3,170 |
| Net operating income to assets | 0.4159% | 4,708 |
| Return on assets (ROA) | 0.4231% | 4,715 |
| Pretax return on assets | 0.5176% | 4,673 |
| Return on Equity (ROE) | 2.7094% | 4,837 |
| Retained earnings to average equity (ytd only) | 2.7094% | 3,845 |
| Net charge-offs to loans | 0.0385% | 2,119 |
| Credit loss provision to net charge-offs | 136.3636% | 1,603 |
| Earnings coverage of net charge-offs (x) | 22.4091% | 1,695 |
| Efficiency ratio | 83.8314% | 663 |
| Assets per employee ($millions) | 4.0302% | 3,825 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3782% | 5,126 |
| Loan loss allowance to noncurrent loans | 60.9484% | 3,993 |
| Noncurrent assets plus other real estate owned to assets | 0.5100% | 2,504 |
| Noncurrent loans to loans | 0.6205% | 2,406 |
| Net loans and leases to total assets | 63.4709% | 3,400 |
| Net loans and leases to deposits | 84.9419% | 2,373 |
| Net loans and leases to core deposits | 86.2893% | 2,936 |
| Total domestic deposits to total assets | 74.7228% | 4,786 |
| Equity capital to assets | 15.9994% | 618 |
| Core capital (leverage) ratio | 15.9098% | 558 |
| Tier 1 risk-based capital ratio | 28.4950% | 543 |
| Total risk-based capital ratio | 28.9305% | 563 |
| Memoranda: | ||
| Average total assets | $182,002,670 | 3,030 |
| Average earning assets | $169,455,670 | 3,027 |
| Average equity | $28,419,330 | 2,487 |
| Average total loans | $114,291,670 | 3,069 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8771% | 4,592 |
| Cost of funding earning assets | 0.6813% | 3,146 |
| Net interest margin | 3.1958% | 4,392 |
| Noninterest income to average assets | 0.5090% | 2,503 |
| Noninterest expense to average assets | 2.9595% | 2,107 |
| Loan and lease loss provision to assets | 0.0219% | 3,157 |
| Net operating income to assets | 0.4059% | 4,721 |
| Return on assets (ROA) | 0.4059% | 4,735 |
| Pretax return on assets | 0.4914% | 4,710 |
| Return on Equity (ROE) | 2.6315% | 4,864 |
| Retained earnings to average equity (ytd only) | 2.6315% | 3,882 |
| Net charge-offs to loans | 0.0246% | 1,958 |
| Credit loss provision to net charge-offs | 142.8571% | 1,276 |
| Earnings coverage of net charge-offs (x) | 33.4286% | 1,262 |
| Efficiency ratio | 84.5231% | 670 |
| Assets per employee ($millions) | 4.1346% | 3,719 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3793% | 5,193 |
| Loan loss allowance to noncurrent loans | 61.4509% | 4,046 |
| Noncurrent assets plus other real estate owned to assets | 0.5233% | 2,534 |
| Noncurrent loans to loans | 0.6173% | 2,478 |
| Net loans and leases to total assets | 62.3607% | 3,470 |
| Net loans and leases to deposits | 82.2732% | 2,586 |
| Net loans and leases to core deposits | 83.5499% | 3,060 |
| Total domestic deposits to total assets | 75.7970% | 4,787 |
| Equity capital to assets | 15.6274% | 631 |
| Core capital (leverage) ratio | 15.4879% | 597 |
| Tier 1 risk-based capital ratio | 28.1042% | 552 |
| Total risk-based capital ratio | 28.5320% | 592 |
| Memoranda: | ||
| Average total assets | $182,325,500 | 3,066 |
| Average earning assets | $169,095,500 | 3,064 |
| Average equity | $28,121,000 | 2,513 |
| Average total loans | $113,664,500 | 3,106 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8505% | 4,390 |
| Cost of funding earning assets | 0.6028% | 2,691 |
| Net interest margin | 3.2477% | 4,392 |
| Noninterest income to average assets | 0.5131% | 2,758 |
| Noninterest expense to average assets | 2.9977% | 2,047 |
| Loan and lease loss provision to assets | 0.0690% | 2,755 |
| Net operating income to assets | 0.4272% | 4,815 |
| Return on assets (ROA) | 0.4162% | 4,828 |
| Pretax return on assets | 0.4446% | 4,880 |
| Return on Equity (ROE) | 2.7363% | 4,953 |
| Retained earnings to average equity (ytd only) | 2.7363% | 4,034 |
| Net charge-offs to loans | 0.1375% | 1,383 |
| Credit loss provision to net charge-offs | 82.1192% | 2,835 |
| Earnings coverage of net charge-offs (x) | 6.2517% | 3,107 |
| Efficiency ratio | 84.2995% | 636 |
| Assets per employee ($millions) | 4.1529% | 3,684 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3781% | 5,230 |
| Loan loss allowance to noncurrent loans | 74.8691% | 3,837 |
| Noncurrent assets plus other real estate owned to assets | 0.4997% | 2,584 |
| Noncurrent loans to loans | 0.5051% | 2,757 |
| Net loans and leases to total assets | 61.8513% | 3,583 |
| Net loans and leases to deposits | 82.1646% | 2,709 |
| Net loans and leases to core deposits | 83.4378% | 3,138 |
| Total domestic deposits to total assets | 75.2773% | 4,842 |
| Equity capital to assets | 15.2205% | 662 |
| Core capital (leverage) ratio | 15.4283% | 609 |
| Tier 1 risk-based capital ratio | 27.8044% | 575 |
| Total risk-based capital ratio | 28.2286% | 607 |
| Memoranda: | ||
| Average total assets | $179,702,400 | 3,056 |
| Average earning assets | $166,548,000 | 3,058 |
| Average equity | $27,335,800 | 2,495 |
| Average total loans | $109,794,800 | 3,133 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8348% | 4,360 |
| Cost of funding earning assets | 0.5773% | 2,652 |
| Net interest margin | 3.2574% | 4,387 |
| Noninterest income to average assets | 0.5104% | 2,802 |
| Noninterest expense to average assets | 3.0191% | 1,960 |
| Loan and lease loss provision to assets | 0.0745% | 2,469 |
| Net operating income to assets | 0.4122% | 4,932 |
| Return on assets (ROA) | 0.4158% | 4,930 |
| Pretax return on assets | 0.4389% | 4,987 |
| Return on Equity (ROE) | 2.7335% | 5,039 |
| Retained earnings to average equity (ytd only) | 2.7335% | 4,332 |
| Net charge-offs to loans | 0.1163% | 1,343 |
| Credit loss provision to net charge-offs | 105.2632% | 2,184 |
| Earnings coverage of net charge-offs (x) | 7.2002% | 2,824 |
| Efficiency ratio | 84.7551% | 599 |
| Assets per employee ($millions) | 4.0334% | 3,828 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4108% | 5,275 |
| Loan loss allowance to noncurrent loans | 59.1784% | 4,217 |
| Noncurrent assets plus other real estate owned to assets | 0.5609% | 2,510 |
| Noncurrent loans to loans | 0.6942% | 2,342 |
| Net loans and leases to total assets | 61.5716% | 3,689 |
| Net loans and leases to deposits | 81.3479% | 2,886 |
| Net loans and leases to core deposits | 82.6046% | 3,287 |
| Total domestic deposits to total assets | 75.6892% | 4,823 |
| Equity capital to assets | 14.9358% | 738 |
| Core capital (leverage) ratio | 15.3018% | 634 |
| Tier 1 risk-based capital ratio | 27.5535% | 596 |
| Total risk-based capital ratio | 28.0097% | 623 |
| Memoranda: | ||
| Average total assets | $178,946,250 | 3,087 |
| Average earning assets | $165,812,000 | 3,092 |
| Average equity | $27,216,750 | 2,510 |
| Average total loans | $108,881,500 | 3,176 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7687% | 4,420 |
| Cost of funding earning assets | 0.5489% | 2,620 |
| Net interest margin | 3.2197% | 4,462 |
| Noninterest income to average assets | 0.4941% | 2,893 |
| Noninterest expense to average assets | 3.0579% | 1,888 |
| Loan and lease loss provision to assets | 0.0168% | 3,555 |
| Net operating income to assets | 0.3921% | 4,971 |
| Return on assets (ROA) | 0.3975% | 4,971 |
| Pretax return on assets | 0.4088% | 5,037 |
| Return on Equity (ROE) | 2.5979% | 5,080 |
| Retained earnings to average equity (ytd only) | 2.5979% | 4,215 |
| Net charge-offs to loans | 0.0278% | 2,299 |
| Credit loss provision to net charge-offs | 100.0000% | 2,011 |
| Earnings coverage of net charge-offs (x) | 24.9333% | 1,656 |
| Efficiency ratio | 87.0843% | 515 |
| Assets per employee ($millions) | 3.9266% | 4,024 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4148% | 5,345 |
| Loan loss allowance to noncurrent loans | 48.2030% | 4,451 |
| Noncurrent assets plus other real estate owned to assets | 0.6937% | 2,154 |
| Noncurrent loans to loans | 0.8605% | 2,003 |
| Net loans and leases to total assets | 60.6115% | 3,751 |
| Net loans and leases to deposits | 79.8429% | 2,969 |
| Net loans and leases to core deposits | 80.7826% | 3,347 |
| Total domestic deposits to total assets | 75.9135% | 4,859 |
| Equity capital to assets | 15.0268% | 680 |
| Core capital (leverage) ratio | 15.3465% | 602 |
| Tier 1 risk-based capital ratio | 27.6462% | 577 |
| Total risk-based capital ratio | 28.1025% | 611 |
| Memoranda: | ||
| Average total assets | $178,093,670 | 3,115 |
| Average earning assets | $165,044,000 | 3,115 |
| Average equity | $27,252,670 | 2,518 |
| Average total loans | $107,770,000 | 3,206 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7336% | 4,397 |
| Cost of funding earning assets | 0.5115% | 2,712 |
| Net interest margin | 3.2222% | 4,395 |
| Noninterest income to average assets | 0.5135% | 2,728 |
| Noninterest expense to average assets | 3.0945% | 1,841 |
| Loan and lease loss provision to assets | 0.0226% | 3,233 |
| Net operating income to assets | 0.3537% | 5,005 |
| Return on assets (ROA) | 0.3619% | 4,999 |
| Pretax return on assets | 0.3981% | 5,042 |
| Return on Equity (ROE) | 2.3436% | 5,128 |
| Retained earnings to average equity (ytd only) | 2.3436% | 4,224 |
| Net charge-offs to loans | 0.0300% | 1,896 |
| Credit loss provision to net charge-offs | 125.0000% | 1,357 |
| Earnings coverage of net charge-offs (x) | 22.7500% | 1,395 |
| Efficiency ratio | 87.3548% | 565 |
| Assets per employee ($millions) | 4.0353% | 3,918 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4281% | 5,405 |
| Loan loss allowance to noncurrent loans | 44.6394% | 4,542 |
| Noncurrent assets plus other real estate owned to assets | 0.7919% | 1,993 |
| Noncurrent loans to loans | 0.9590% | 1,905 |
| Net loans and leases to total assets | 58.6632% | 3,881 |
| Net loans and leases to deposits | 75.5932% | 3,259 |
| Net loans and leases to core deposits | 76.5686% | 3,616 |
| Total domestic deposits to total assets | 77.6038% | 4,786 |
| Equity capital to assets | 14.9139% | 693 |
| Core capital (leverage) ratio | 15.2839% | 597 |
| Tier 1 risk-based capital ratio | 27.5227% | 588 |
| Total risk-based capital ratio | 27.9824% | 618 |
| Memoranda: | ||
| Average total assets | $176,828,500 | 3,164 |
| Average earning assets | $164,236,500 | 3,158 |
| Average equity | $27,308,000 | 2,535 |
| Average total loans | $106,687,500 | 3,250 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6466% | 4,459 |
| Cost of funding earning assets | 0.4093% | 3,169 |
| Net interest margin | 3.2373% | 4,339 |
| Noninterest income to average assets | 0.4871% | 3,086 |
| Noninterest expense to average assets | 2.9391% | 2,321 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.2968% | 4,934 |
| Return on assets (ROA) | 0.2993% | 4,944 |
| Pretax return on assets | 0.5535% | 4,840 |
| Return on Equity (ROE) | 1.9042% | 5,079 |
| Retained earnings to average equity (ytd only) | 1.9042% | 4,176 |
| Net charge-offs to loans | 0.1377% | 1,689 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 6.5306% | 3,168 |
| Efficiency ratio | 83.2322% | 837 |
| Assets per employee ($millions) | 3.7406% | 4,379 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4286% | 5,465 |
| Loan loss allowance to noncurrent loans | 57.7215% | 4,335 |
| Noncurrent assets plus other real estate owned to assets | 0.7648% | 2,045 |
| Noncurrent loans to loans | 0.7425% | 2,349 |
| Net loans and leases to total assets | 61.5658% | 3,670 |
| Net loans and leases to deposits | 75.3793% | 3,397 |
| Net loans and leases to core deposits | 76.2139% | 3,724 |
| Total domestic deposits to total assets | 81.6747% | 3,947 |
| Equity capital to assets | 16.0018% | 517 |
| Core capital (leverage) ratio | 15.7714% | 503 |
| Tier 1 risk-based capital ratio | 28.0689% | 538 |
| Total risk-based capital ratio | 28.5378% | 572 |
| Memoranda: | ||
| Average total assets | $174,714,600 | 3,183 |
| Average earning assets | $161,984,400 | 3,172 |
| Average equity | $27,465,600 | 2,518 |
| Average total loans | $106,740,200 | 3,233 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6228% | 4,508 |
| Cost of funding earning assets | 0.4069% | 3,116 |
| Net interest margin | 3.2159% | 4,409 |
| Noninterest income to average assets | 0.4828% | 3,133 |
| Noninterest expense to average assets | 2.8874% | 2,454 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.4354% | 4,917 |
| Return on assets (ROA) | 0.4394% | 4,930 |
| Pretax return on assets | 0.5808% | 4,879 |
| Return on Equity (ROE) | 2.8076% | 5,156 |
| Retained earnings to average equity (ytd only) | 2.8076% | 4,230 |
| Net charge-offs to loans | 0.0786% | 2,012 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 12.0156% | 2,460 |
| Efficiency ratio | 82.3491% | 886 |
| Assets per employee ($millions) | 3.9051% | 4,151 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5052% | 5,460 |
| Loan loss allowance to noncurrent loans | 55.5556% | 4,434 |
| Noncurrent assets plus other real estate owned to assets | 0.8473% | 2,028 |
| Noncurrent loans to loans | 0.9093% | 2,111 |
| Net loans and leases to total assets | 60.5201% | 3,805 |
| Net loans and leases to deposits | 74.1460% | 3,546 |
| Net loans and leases to core deposits | 75.1360% | 3,876 |
| Total domestic deposits to total assets | 81.6229% | 3,890 |
| Equity capital to assets | 15.8066% | 576 |
| Core capital (leverage) ratio | 15.6504% | 547 |
| Tier 1 risk-based capital ratio | 27.9169% | 574 |
| Total risk-based capital ratio | 28.4672% | 601 |
| Memoranda: | ||
| Average total assets | $175,376,250 | 3,205 |
| Average earning assets | $162,520,500 | 3,197 |
| Average equity | $27,448,500 | 2,539 |
| Average total loans | $106,827,500 | 3,262 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5677% | 4,596 |
| Cost of funding earning assets | 0.4050% | 3,021 |
| Net interest margin | 3.1627% | 4,511 |
| Noninterest income to average assets | 0.4736% | 3,192 |
| Noninterest expense to average assets | 2.8381% | 2,624 |
| Loan and lease loss provision to assets | 0.0046% | 3,814 |
| Net operating income to assets | 0.4336% | 4,888 |
| Return on assets (ROA) | 0.4336% | 4,914 |
| Pretax return on assets | 0.5626% | 4,877 |
| Return on Equity (ROE) | 2.7799% | 5,173 |
| Retained earnings to average equity (ytd only) | 2.7799% | 4,041 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.2721% | 977 |
| Assets per employee ($millions) | 4.0029% | 3,952 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5719% | 5,421 |
| Loan loss allowance to noncurrent loans | 65.0589% | 4,264 |
| Noncurrent assets plus other real estate owned to assets | 0.7784% | 2,265 |
| Noncurrent loans to loans | 0.8791% | 2,221 |
| Net loans and leases to total assets | 59.9124% | 3,853 |
| Net loans and leases to deposits | 73.3199% | 3,617 |
| Net loans and leases to core deposits | 74.4240% | 3,905 |
| Total domestic deposits to total assets | 81.7138% | 3,972 |
| Equity capital to assets | 15.7006% | 570 |
| Core capital (leverage) ratio | 15.5329% | 539 |
| Tier 1 risk-based capital ratio | 26.7539% | 619 |
| Total risk-based capital ratio | 27.3522% | 650 |
| Memoranda: | ||
| Average total assets | $175,258,330 | 3,221 |
| Average earning assets | $162,458,000 | 3,209 |
| Average equity | $27,339,000 | 2,548 |
| Average total loans | $106,806,000 | 3,268 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5685% | 4,500 |
| Cost of funding earning assets | 0.4001% | 2,998 |
| Net interest margin | 3.1684% | 4,441 |
| Noninterest income to average assets | 0.4668% | 3,209 |
| Noninterest expense to average assets | 2.8532% | 2,607 |
| Loan and lease loss provision to assets | 0.0069% | 3,472 |
| Net operating income to assets | 0.4233% | 4,882 |
| Return on assets (ROA) | 0.4233% | 4,903 |
| Pretax return on assets | 0.5423% | 4,859 |
| Return on Equity (ROE) | 2.7224% | 5,172 |
| Retained earnings to average equity (ytd only) | 2.7224% | 4,050 |
| Net charge-offs to loans | -0.0075% | 4,306 |
| Credit loss provision to net charge-offs | -150.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.7169% | 1,093 |
| Assets per employee ($millions) | 4.1975% | 3,664 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5704% | 5,522 |
| Loan loss allowance to noncurrent loans | 47.8363% | 4,692 |
| Noncurrent assets plus other real estate owned to assets | 0.9694% | 1,892 |
| Noncurrent loans to loans | 1.1924% | 1,694 |
| Net loans and leases to total assets | 60.1167% | 3,774 |
| Net loans and leases to deposits | 73.4292% | 3,461 |
| Net loans and leases to core deposits | 74.5275% | 3,789 |
| Total domestic deposits to total assets | 81.8704% | 4,201 |
| Equity capital to assets | 15.5045% | 565 |
| Core capital (leverage) ratio | 15.4749% | 529 |
| Tier 1 risk-based capital ratio | 26.0025% | 690 |
| Total risk-based capital ratio | 26.5883% | 727 |
| Memoranda: | ||
| Average total assets | $174,824,000 | 3,255 |
| Average earning assets | $161,973,000 | 3,244 |
| Average equity | $27,182,000 | 2,567 |
| Average total loans | $107,144,500 | 3,287 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7543% | 4,042 |
| Cost of funding earning assets | 0.4213% | 2,797 |
| Net interest margin | 3.3330% | 4,047 |
| Noninterest income to average assets | 0.9082% | 1,386 |
| Noninterest expense to average assets | 3.3322% | 1,510 |
| Loan and lease loss provision to assets | 0.0603% | 3,170 |
| Net operating income to assets | 0.6117% | 4,159 |
| Return on assets (ROA) | 0.6117% | 4,276 |
| Pretax return on assets | 0.6099% | 4,760 |
| Return on Equity (ROE) | 3.9467% | 4,851 |
| Retained earnings to average equity (ytd only) | 3.9467% | 3,111 |
| Net charge-offs to loans | 0.1296% | 1,945 |
| Credit loss provision to net charge-offs | 72.9927% | 3,085 |
| Earnings coverage of net charge-offs (x) | 8.1168% | 2,920 |
| Efficiency ratio | 82.3219% | 1,171 |
| Assets per employee ($millions) | 3.9398% | 4,076 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5599% | 5,591 |
| Loan loss allowance to noncurrent loans | 43.5379% | 4,809 |
| Noncurrent assets plus other real estate owned to assets | 1.0862% | 1,732 |
| Noncurrent loans to loans | 1.2860% | 1,593 |
| Net loans and leases to total assets | 61.7787% | 3,637 |
| Net loans and leases to deposits | 75.8918% | 3,325 |
| Net loans and leases to core deposits | 76.9149% | 3,668 |
| Total domestic deposits to total assets | 81.4036% | 4,233 |
| Equity capital to assets | 15.5926% | 549 |
| Core capital (leverage) ratio | 15.5259% | 527 |
| Tier 1 risk-based capital ratio | 25.7422% | 709 |
| Total risk-based capital ratio | 26.3207% | 751 |
| Memoranda: | ||
| Average total assets | $165,924,800 | 3,334 |
| Average earning assets | $154,037,600 | 3,322 |
| Average equity | $25,717,800 | 2,661 |
| Average total loans | $105,680,200 | 3,277 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7606% | 4,044 |
| Cost of funding earning assets | 0.4235% | 2,801 |
| Net interest margin | 3.3371% | 4,070 |
| Noninterest income to average assets | 1.0629% | 1,005 |
| Noninterest expense to average assets | 3.2555% | 1,663 |
| Loan and lease loss provision to assets | 0.0073% | 4,081 |
| Net operating income to assets | 0.8460% | 3,174 |
| Return on assets (ROA) | 0.8460% | 3,288 |
| Pretax return on assets | 0.8996% | 3,981 |
| Return on Equity (ROE) | 5.4667% | 4,325 |
| Retained earnings to average equity (ytd only) | 5.4667% | 2,504 |
| Net charge-offs to loans | -0.0076% | 4,701 |
| Credit loss provision to net charge-offs | -150.0000% | 4,804 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.3721% | 1,781 |
| Assets per employee ($millions) | 3.8788% | 4,165 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5966% | 5,614 |
| Loan loss allowance to noncurrent loans | 44.2269% | 4,875 |
| Noncurrent assets plus other real estate owned to assets | 1.1487% | 1,751 |
| Noncurrent loans to loans | 1.3490% | 1,633 |
| Net loans and leases to total assets | 62.5237% | 3,581 |
| Net loans and leases to deposits | 76.9413% | 3,294 |
| Net loans and leases to core deposits | 77.9693% | 3,668 |
| Total domestic deposits to total assets | 81.2616% | 4,178 |
| Equity capital to assets | 15.8080% | 583 |
| Core capital (leverage) ratio | 15.2982% | 580 |
| Tier 1 risk-based capital ratio | 25.6458% | 750 |
| Total risk-based capital ratio | 26.2714% | 798 |
| Memoranda: | ||
| Average total assets | $164,068,250 | 3,371 |
| Average earning assets | $152,384,750 | 3,359 |
| Average equity | $25,389,750 | 2,698 |
| Average total loans | $105,176,000 | 3,300 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7264% | 4,203 |
| Cost of funding earning assets | 0.4318% | 2,721 |
| Net interest margin | 3.2946% | 4,257 |
| Noninterest income to average assets | 1.3514% | 626 |
| Noninterest expense to average assets | 3.3467% | 1,492 |
| Loan and lease loss provision to assets | 0.0087% | 3,909 |
| Net operating income to assets | 1.0475% | 2,195 |
| Return on assets (ROA) | 1.0475% | 2,319 |
| Pretax return on assets | 1.0562% | 3,378 |
| Return on Equity (ROE) | 6.8220% | 3,637 |
| Retained earnings to average equity (ytd only) | 6.8220% | 1,707 |
| Net charge-offs to loans | -0.0193% | 4,932 |
| Credit loss provision to net charge-offs | -70.0000% | 4,560 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1553% | 2,203 |
| Assets per employee ($millions) | 4.0160% | 3,871 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6000% | 5,681 |
| Loan loss allowance to noncurrent loans | 34.9468% | 5,175 |
| Noncurrent assets plus other real estate owned to assets | 1.3605% | 1,454 |
| Noncurrent loans to loans | 1.7169% | 1,233 |
| Net loans and leases to total assets | 61.5950% | 3,670 |
| Net loans and leases to deposits | 75.5936% | 3,427 |
| Net loans and leases to core deposits | 76.4501% | 3,784 |
| Total domestic deposits to total assets | 81.4817% | 4,145 |
| Equity capital to assets | 15.4805% | 630 |
| Core capital (leverage) ratio | 14.7332% | 659 |
| Tier 1 risk-based capital ratio | 25.4705% | 772 |
| Total risk-based capital ratio | 26.0986% | 810 |
| Memoranda: | ||
| Average total assets | $160,576,000 | 3,428 |
| Average earning assets | $149,151,330 | 3,413 |
| Average equity | $24,655,670 | 2,773 |
| Average total loans | $103,639,000 | 3,349 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5699% | 4,706 |
| Cost of funding earning assets | 0.4073% | 2,991 |
| Net interest margin | 3.1626% | 4,697 |
| Noninterest income to average assets | 2.3028% | 285 |
| Noninterest expense to average assets | 3.4699% | 1,238 |
| Loan and lease loss provision to assets | 0.0131% | 3,522 |
| Net operating income to assets | 1.8045% | 463 |
| Return on assets (ROA) | 1.8045% | 495 |
| Pretax return on assets | 1.7520% | 940 |
| Return on Equity (ROE) | 11.8081% | 1,369 |
| Retained earnings to average equity (ytd only) | 11.8081% | 531 |
| Net charge-offs to loans | -0.0635% | 5,448 |
| Credit loss provision to net charge-offs | -31.2500% | 4,120 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9820% | 3,805 |
| Assets per employee ($millions) | 4.1270% | 3,712 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6029% | 5,740 |
| Loan loss allowance to noncurrent loans | 31.3716% | 5,261 |
| Noncurrent assets plus other real estate owned to assets | 1.4489% | 1,427 |
| Noncurrent loans to loans | 1.9219% | 1,128 |
| Net loans and leases to total assets | 60.0077% | 3,770 |
| Net loans and leases to deposits | 73.1668% | 3,531 |
| Net loans and leases to core deposits | 74.2972% | 3,858 |
| Total domestic deposits to total assets | 82.0150% | 4,222 |
| Equity capital to assets | 14.9232% | 709 |
| Core capital (leverage) ratio | 18.6817% | 251 |
| Tier 1 risk-based capital ratio | 25.2068% | 792 |
| Total risk-based capital ratio | 25.8359% | 839 |
| Memoranda: | ||
| Average total assets | $152,511,000 | 3,547 |
| Average earning assets | $141,404,500 | 3,538 |
| Average equity | $23,306,000 | 2,893 |
| Average total loans | $100,709,000 | 3,410 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9561% | 3,491 |
| Cost of funding earning assets | 0.4914% | 2,237 |
| Net interest margin | 3.4647% | 3,657 |
| Noninterest income to average assets | 0.6195% | 2,620 |
| Noninterest expense to average assets | 3.1607% | 2,060 |
| Loan and lease loss provision to assets | 0.0735% | 2,800 |
| Net operating income to assets | 0.3800% | 5,108 |
| Return on assets (ROA) | 0.3950% | 5,148 |
| Pretax return on assets | 0.6325% | 4,737 |
| Return on Equity (ROE) | 2.5256% | 5,449 |
| Retained earnings to average equity (ytd only) | 2.5256% | 4,272 |
| Net charge-offs to loans | 0.1174% | 2,201 |
| Credit loss provision to net charge-offs | 84.2593% | 2,873 |
| Earnings coverage of net charge-offs (x) | 7.8241% | 3,037 |
| Efficiency ratio | 82.2404% | 1,370 |
| Assets per employee ($millions) | 3.3360% | 5,091 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6973% | 5,637 |
| Loan loss allowance to noncurrent loans | 47.1281% | 4,944 |
| Noncurrent assets plus other real estate owned to assets | 1.5247% | 1,322 |
| Noncurrent loans to loans | 1.4795% | 1,571 |
| Net loans and leases to total assets | 73.8455% | 1,757 |
| Net loans and leases to deposits | 94.6393% | 1,140 |
| Net loans and leases to core deposits | 94.6393% | 1,980 |
| Total domestic deposits to total assets | 78.0284% | 5,156 |
| Equity capital to assets | 15.8087% | 541 |
| Core capital (leverage) ratio | 16.0040% | 466 |
| Tier 1 risk-based capital ratio | 26.8066% | 688 |
| Total risk-based capital ratio | 27.6871% | 689 |
| Memoranda: | ||
| Average total assets | $123,800,800 | 4,012 |
| Average earning assets | $115,189,200 | 3,979 |
| Average equity | $19,361,800 | 3,236 |
| Average total loans | $92,013,000 | 3,546 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9484% | 3,551 |
| Cost of funding earning assets | 0.5031% | 2,180 |
| Net interest margin | 3.4453% | 3,767 |
| Noninterest income to average assets | 0.6166% | 2,653 |
| Noninterest expense to average assets | 3.0552% | 2,352 |
| Loan and lease loss provision to assets | 0.0301% | 3,632 |
| Net operating income to assets | 0.4823% | 4,850 |
| Return on assets (ROA) | 0.5026% | 4,867 |
| Pretax return on assets | 0.7684% | 4,432 |
| Return on Equity (ROE) | 3.2222% | 5,309 |
| Retained earnings to average equity (ytd only) | 3.2222% | 4,168 |
| Net charge-offs to loans | 0.0405% | 3,078 |
| Credit loss provision to net charge-offs | 100.0000% | 2,257 |
| Earnings coverage of net charge-offs (x) | 25.4658% | 1,664 |
| Efficiency ratio | 79.9268% | 1,666 |
| Assets per employee ($millions) | 3.3913% | 5,002 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7116% | 5,705 |
| Loan loss allowance to noncurrent loans | 58.0902% | 4,752 |
| Noncurrent assets plus other real estate owned to assets | 1.2327% | 1,903 |
| Noncurrent loans to loans | 1.2250% | 2,083 |
| Net loans and leases to total assets | 75.0838% | 1,532 |
| Net loans and leases to deposits | 94.2135% | 1,181 |
| Net loans and leases to core deposits | 94.6376% | 2,019 |
| Total domestic deposits to total assets | 79.6953% | 4,805 |
| Equity capital to assets | 16.0134% | 563 |
| Core capital (leverage) ratio | 15.6411% | 540 |
| Tier 1 risk-based capital ratio | 26.9434% | 691 |
| Total risk-based capital ratio | 27.8528% | 700 |
| Memoranda: | ||
| Average total assets | $123,893,000 | 4,046 |
| Average earning assets | $115,284,500 | 4,017 |
| Average equity | $19,324,000 | 3,266 |
| Average total loans | $92,069,000 | 3,572 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9273% | 3,586 |
| Cost of funding earning assets | 0.5157% | 2,106 |
| Net interest margin | 3.4116% | 3,869 |
| Noninterest income to average assets | 0.6105% | 2,678 |
| Noninterest expense to average assets | 3.0138% | 2,510 |
| Loan and lease loss provision to assets | 0.0177% | 3,778 |
| Net operating income to assets | 0.4934% | 4,801 |
| Return on assets (ROA) | 0.5237% | 4,772 |
| Pretax return on assets | 0.8032% | 4,301 |
| Return on Equity (ROE) | 3.3872% | 5,272 |
| Retained earnings to average equity (ytd only) | 3.3872% | 3,877 |
| Net charge-offs to loans | 0.0239% | 3,193 |
| Credit loss provision to net charge-offs | 100.0000% | 2,033 |
| Earnings coverage of net charge-offs (x) | 43.8182% | 1,058 |
| Efficiency ratio | 79.5589% | 1,820 |
| Assets per employee ($millions) | 3.2000% | 5,342 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7209% | 5,764 |
| Loan loss allowance to noncurrent loans | 60.1648% | 4,752 |
| Noncurrent assets plus other real estate owned to assets | 1.1787% | 2,151 |
| Noncurrent loans to loans | 1.1981% | 2,264 |
| Net loans and leases to total assets | 72.5038% | 1,895 |
| Net loans and leases to deposits | 90.8930% | 1,495 |
| Net loans and leases to core deposits | 91.2929% | 2,211 |
| Total domestic deposits to total assets | 79.7683% | 4,915 |
| Equity capital to assets | 15.4785% | 611 |
| Core capital (leverage) ratio | 15.3715% | 566 |
| Tier 1 risk-based capital ratio | 26.7984% | 721 |
| Total risk-based capital ratio | 27.7096% | 729 |
| Memoranda: | ||
| Average total assets | $124,495,670 | 4,062 |
| Average earning assets | $115,957,330 | 4,035 |
| Average equity | $19,248,670 | 3,294 |
| Average total loans | $91,984,330 | 3,594 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9772% | 3,311 |
| Cost of funding earning assets | 0.5351% | 1,970 |
| Net interest margin | 3.4421% | 3,659 |
| Noninterest income to average assets | 0.6337% | 2,478 |
| Noninterest expense to average assets | 3.0367% | 2,462 |
| Loan and lease loss provision to assets | 0.0193% | 3,463 |
| Net operating income to assets | 0.5087% | 4,639 |
| Return on assets (ROA) | 0.5694% | 4,511 |
| Pretax return on assets | 0.8782% | 3,973 |
| Return on Equity (ROE) | 3.6847% | 5,116 |
| Retained earnings to average equity (ytd only) | 3.6847% | 3,797 |
| Net charge-offs to loans | 0.0173% | 2,821 |
| Credit loss provision to net charge-offs | 150.0000% | 1,240 |
| Earnings coverage of net charge-offs (x) | 62.5000% | 714 |
| Efficiency ratio | 79.0620% | 2,025 |
| Assets per employee ($millions) | 3.2206% | 5,375 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7200% | 5,867 |
| Loan loss allowance to noncurrent loans | 59.4765% | 4,735 |
| Noncurrent assets plus other real estate owned to assets | 1.1401% | 2,351 |
| Noncurrent loans to loans | 1.2106% | 2,348 |
| Net loans and leases to total assets | 72.3427% | 1,753 |
| Net loans and leases to deposits | 90.7489% | 1,319 |
| Net loans and leases to core deposits | 91.1458% | 2,016 |
| Total domestic deposits to total assets | 79.7174% | 5,118 |
| Equity capital to assets | 15.3863% | 648 |
| Core capital (leverage) ratio | 15.4518% | 546 |
| Tier 1 risk-based capital ratio | 26.6317% | 743 |
| Total risk-based capital ratio | 27.5470% | 747 |
| Memoranda: | ||
| Average total assets | $124,344,000 | 4,097 |
| Average earning assets | $115,861,000 | 4,064 |
| Average equity | $19,214,500 | 3,318 |
| Average total loans | $92,406,000 | 3,604 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0366% | 3,574 |
| Cost of funding earning assets | 0.6599% | 1,340 |
| Net interest margin | 3.3766% | 4,293 |
| Noninterest income to average assets | 0.5890% | 2,927 |
| Noninterest expense to average assets | 3.0101% | 2,813 |
| Loan and lease loss provision to assets | 0.0462% | 3,648 |
| Net operating income to assets | 0.4527% | 5,009 |
| Return on assets (ROA) | 0.4527% | 5,102 |
| Pretax return on assets | 0.6766% | 4,704 |
| Return on Equity (ROE) | 3.0411% | 5,464 |
| Retained earnings to average equity (ytd only) | 3.0411% | 4,078 |
| Net charge-offs to loans | 0.0798% | 3,350 |
| Credit loss provision to net charge-offs | 77.3333% | 2,918 |
| Earnings coverage of net charge-offs (x) | 12.0933% | 2,423 |
| Efficiency ratio | 80.6362% | 1,828 |
| Assets per employee ($millions) | 3.2390% | 5,373 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7043% | 5,985 |
| Loan loss allowance to noncurrent loans | 62.3932% | 4,734 |
| Noncurrent assets plus other real estate owned to assets | 1.1188% | 2,514 |
| Noncurrent loans to loans | 1.1288% | 2,581 |
| Net loans and leases to total assets | 75.2582% | 1,373 |
| Net loans and leases to deposits | 95.0295% | 988 |
| Net loans and leases to core deposits | 95.2807% | 1,781 |
| Total domestic deposits to total assets | 79.1945% | 5,205 |
| Equity capital to assets | 15.5204% | 600 |
| Core capital (leverage) ratio | 15.4348% | 544 |
| Tier 1 risk-based capital ratio | 28.3220% | 601 |
| Total risk-based capital ratio | 29.3015% | 600 |
| Memoranda: | ||
| Average total assets | $125,477,000 | 4,073 |
| Average earning assets | $116,832,400 | 4,029 |
| Average equity | $18,677,600 | 3,330 |
| Average total loans | $93,975,000 | 3,549 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0178% | 3,695 |
| Cost of funding earning assets | 0.6802% | 1,256 |
| Net interest margin | 3.3376% | 4,480 |
| Noninterest income to average assets | 0.5869% | 2,952 |
| Noninterest expense to average assets | 2.9220% | 3,046 |
| Loan and lease loss provision to assets | 0.0137% | 4,140 |
| Net operating income to assets | 0.5034% | 4,862 |
| Return on assets (ROA) | 0.5034% | 4,925 |
| Pretax return on assets | 0.7593% | 4,505 |
| Return on Equity (ROE) | 3.4174% | 5,389 |
| Retained earnings to average equity (ytd only) | 3.4174% | 4,188 |
| Net charge-offs to loans | 0.0184% | 4,166 |
| Credit loss provision to net charge-offs | 100.0000% | 2,200 |
| Earnings coverage of net charge-offs (x) | 56.2400% | 903 |
| Efficiency ratio | 79.0784% | 2,044 |
| Assets per employee ($millions) | 3.2414% | 5,349 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7180% | 6,066 |
| Loan loss allowance to noncurrent loans | 70.8728% | 4,457 |
| Noncurrent assets plus other real estate owned to assets | 0.9807% | 2,999 |
| Noncurrent loans to loans | 1.0131% | 3,045 |
| Net loans and leases to total assets | 75.6651% | 1,263 |
| Net loans and leases to deposits | 95.6574% | 911 |
| Net loans and leases to core deposits | 95.9074% | 1,681 |
| Total domestic deposits to total assets | 79.1001% | 5,306 |
| Equity capital to assets | 15.3256% | 669 |
| Core capital (leverage) ratio | 15.0845% | 606 |
| Tier 1 risk-based capital ratio | 27.9722% | 643 |
| Total risk-based capital ratio | 28.9694% | 644 |
| Memoranda: | ||
| Average total assets | $126,075,500 | 4,084 |
| Average earning assets | $117,408,250 | 4,047 |
| Average equity | $18,571,250 | 3,355 |
| Average total loans | $94,147,000 | 3,579 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9663% | 3,866 |
| Cost of funding earning assets | 0.6926% | 1,225 |
| Net interest margin | 3.2737% | 4,689 |
| Noninterest income to average assets | 0.5589% | 3,054 |
| Noninterest expense to average assets | 2.9045% | 3,148 |
| Loan and lease loss provision to assets | 0.0079% | 4,079 |
| Net operating income to assets | 0.4597% | 4,973 |
| Return on assets (ROA) | 0.4597% | 5,041 |
| Pretax return on assets | 0.6974% | 4,650 |
| Return on Equity (ROE) | 3.1620% | 5,474 |
| Retained earnings to average equity (ytd only) | 3.1620% | 4,190 |
| Net charge-offs to loans | 0.0085% | 4,107 |
| Credit loss provision to net charge-offs | 125.0000% | 1,659 |
| Earnings coverage of net charge-offs (x) | 112.0000% | 513 |
| Efficiency ratio | 80.4623% | 1,950 |
| Assets per employee ($millions) | 3.3242% | 5,215 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7175% | 6,144 |
| Loan loss allowance to noncurrent loans | 50.1114% | 5,165 |
| Noncurrent assets plus other real estate owned to assets | 1.1241% | 2,836 |
| Noncurrent loans to loans | 1.4319% | 2,412 |
| Net loans and leases to total assets | 73.9378% | 1,454 |
| Net loans and leases to deposits | 93.6331% | 994 |
| Net loans and leases to core deposits | 94.1105% | 1,765 |
| Total domestic deposits to total assets | 78.9655% | 5,466 |
| Equity capital to assets | 14.8115% | 747 |
| Core capital (leverage) ratio | 14.6428% | 666 |
| Tier 1 risk-based capital ratio | 27.5244% | 669 |
| Total risk-based capital ratio | 28.5168% | 673 |
| Memoranda: | ||
| Average total assets | $127,043,000 | 4,094 |
| Average earning assets | $118,398,000 | 4,053 |
| Average equity | $18,469,330 | 3,369 |
| Average total loans | $94,238,330 | 3,588 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9211% | 4,007 |
| Cost of funding earning assets | 0.7001% | 1,249 |
| Net interest margin | 3.2210% | 4,855 |
| Noninterest income to average assets | 0.5369% | 3,135 |
| Noninterest expense to average assets | 2.9418% | 3,075 |
| Loan and lease loss provision to assets | 0.0220% | 3,543 |
| Net operating income to assets | 0.3862% | 5,163 |
| Return on assets (ROA) | 0.3862% | 5,233 |
| Pretax return on assets | 0.5777% | 4,906 |
| Return on Equity (ROE) | 2.6813% | 5,569 |
| Retained earnings to average equity (ytd only) | 2.6813% | 4,473 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.0674% | 1,789 |
| Assets per employee ($millions) | 3.2912% | 5,358 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7275% | 6,237 |
| Loan loss allowance to noncurrent loans | 59.5280% | 4,866 |
| Noncurrent assets plus other real estate owned to assets | 0.9442% | 3,365 |
| Noncurrent loans to loans | 1.2221% | 3,004 |
| Net loans and leases to total assets | 72.4018% | 1,517 |
| Net loans and leases to deposits | 91.2619% | 1,010 |
| Net loans and leases to core deposits | 91.7158% | 1,757 |
| Total domestic deposits to total assets | 79.3340% | 5,624 |
| Equity capital to assets | 14.3686% | 818 |
| Core capital (leverage) ratio | 14.5828% | 679 |
| Tier 1 risk-based capital ratio | 27.2311% | 697 |
| Total risk-based capital ratio | 28.2307% | 704 |
| Memoranda: | ||
| Average total assets | $127,404,000 | 4,120 |
| Average earning assets | $118,844,500 | 4,072 |
| Average equity | $18,349,000 | 3,375 |
| Average total loans | $94,320,500 | 3,602 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9354% | 4,336 |
| Cost of funding earning assets | 0.8297% | 1,037 |
| Net interest margin | 3.1056% | 5,289 |
| Noninterest income to average assets | 0.5400% | 3,478 |
| Noninterest expense to average assets | 2.7895% | 3,761 |
| Loan and lease loss provision to assets | 0.0367% | 4,386 |
| Net operating income to assets | 0.4109% | 5,111 |
| Return on assets (ROA) | 0.4109% | 5,223 |
| Pretax return on assets | 0.6042% | 4,865 |
| Return on Equity (ROE) | 2.9575% | 5,525 |
| Retained earnings to average equity (ytd only) | 2.9575% | 4,140 |
| Net charge-offs to loans | 0.0634% | 4,327 |
| Credit loss provision to net charge-offs | 81.3559% | 3,009 |
| Earnings coverage of net charge-offs (x) | 14.2203% | 1,961 |
| Efficiency ratio | 81.3182% | 1,973 |
| Assets per employee ($millions) | 3.3277% | 5,229 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7093% | 6,332 |
| Loan loss allowance to noncurrent loans | 55.6565% | 5,022 |
| Noncurrent assets plus other real estate owned to assets | 1.0115% | 3,399 |
| Noncurrent loans to loans | 1.2744% | 3,002 |
| Net loans and leases to total assets | 74.6165% | 1,263 |
| Net loans and leases to deposits | 94.4570% | 841 |
| Net loans and leases to core deposits | 94.6968% | 1,547 |
| Total domestic deposits to total assets | 78.9952% | 5,652 |
| Equity capital to assets | 14.4363% | 797 |
| Core capital (leverage) ratio | 14.3477% | 733 |
| Tier 1 risk-based capital ratio | 26.7618% | 702 |
| Total risk-based capital ratio | 27.7406% | 711 |
| Memoranda: | ||
| Average total assets | $130,919,000 | 4,052 |
| Average earning assets | $121,844,000 | 4,018 |
| Average equity | $18,190,800 | 3,390 |
| Average total loans | $93,105,600 | 3,617 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9109% | 4,461 |
| Cost of funding earning assets | 0.8564% | 1,014 |
| Net interest margin | 3.0545% | 5,454 |
| Noninterest income to average assets | 0.5261% | 3,621 |
| Noninterest expense to average assets | 2.7467% | 3,844 |
| Loan and lease loss provision to assets | 0.0131% | 4,740 |
| Net operating income to assets | 0.4140% | 5,189 |
| Return on assets (ROA) | 0.4140% | 5,329 |
| Pretax return on assets | 0.6079% | 4,984 |
| Return on Equity (ROE) | 3.0077% | 5,602 |
| Retained earnings to average equity (ytd only) | 3.0077% | 4,523 |
| Net charge-offs to loans | 0.0345% | 4,445 |
| Credit loss provision to net charge-offs | 54.1667% | 3,414 |
| Earnings coverage of net charge-offs (x) | 25.6244% | 1,378 |
| Efficiency ratio | 81.5592% | 1,890 |
| Assets per employee ($millions) | 3.3145% | 5,258 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7117% | 6,424 |
| Loan loss allowance to noncurrent loans | 59.9644% | 4,820 |
| Noncurrent assets plus other real estate owned to assets | 0.9840% | 3,689 |
| Noncurrent loans to loans | 1.1869% | 3,442 |
| Net loans and leases to total assets | 72.7418% | 1,496 |
| Net loans and leases to deposits | 91.9042% | 988 |
| Net loans and leases to core deposits | 92.3591% | 1,741 |
| Total domestic deposits to total assets | 79.1496% | 5,716 |
| Equity capital to assets | 14.0573% | 951 |
| Core capital (leverage) ratio | 13.9887% | 874 |
| Tier 1 risk-based capital ratio | 26.6127% | 733 |
| Total risk-based capital ratio | 27.5928% | 742 |
| Memoranda: | ||
| Average total assets | $132,035,750 | 4,071 |
| Average earning assets | $122,831,750 | 4,035 |
| Average equity | $18,174,750 | 3,428 |
| Average total loans | $92,625,000 | 3,652 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9046% | 4,459 |
| Cost of funding earning assets | 0.8767% | 1,000 |
| Net interest margin | 3.0279% | 5,500 |
| Noninterest income to average assets | 0.4889% | 3,905 |
| Noninterest expense to average assets | 2.6775% | 4,118 |
| Loan and lease loss provision to assets | 0.0015% | 4,767 |
| Net operating income to assets | 0.4227% | 5,133 |
| Return on assets (ROA) | 0.4227% | 5,289 |
| Pretax return on assets | 0.6258% | 4,923 |
| Return on Equity (ROE) | 3.0920% | 5,586 |
| Retained earnings to average equity (ytd only) | 3.0920% | 4,351 |
| Net charge-offs to loans | 0.0174% | 4,492 |
| Credit loss provision to net charge-offs | 12.5000% | 3,863 |
| Earnings coverage of net charge-offs (x) | 52.1250% | 782 |
| Efficiency ratio | 81.0196% | 2,024 |
| Assets per employee ($millions) | 3.2893% | 5,290 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7356% | 6,453 |
| Loan loss allowance to noncurrent loans | 61.6364% | 4,716 |
| Noncurrent assets plus other real estate owned to assets | 1.0360% | 3,683 |
| Noncurrent loans to loans | 1.1935% | 3,564 |
| Net loans and leases to total assets | 69.5341% | 1,963 |
| Net loans and leases to deposits | 88.3052% | 1,307 |
| Net loans and leases to core deposits | 88.5214% | 2,059 |
| Total domestic deposits to total assets | 78.7429% | 5,841 |
| Equity capital to assets | 13.7303% | 1,042 |
| Core capital (leverage) ratio | 13.6577% | 922 |
| Tier 1 risk-based capital ratio | 26.7964% | 711 |
| Total risk-based capital ratio | 27.7962% | 712 |
| Memoranda: | ||
| Average total assets | $132,959,670 | 4,079 |
| Average earning assets | $123,648,670 | 4,039 |
| Average equity | $18,176,000 | 3,447 |
| Average total loans | $91,932,330 | 3,674 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9168% | 4,413 |
| Cost of funding earning assets | 0.9108% | 940 |
| Net interest margin | 3.0060% | 5,553 |
| Noninterest income to average assets | 0.5118% | 3,697 |
| Noninterest expense to average assets | 2.7204% | 3,982 |
| Loan and lease loss provision to assets | 0.0030% | 4,386 |
| Net operating income to assets | 0.4040% | 5,114 |
| Return on assets (ROA) | 0.4040% | 5,259 |
| Pretax return on assets | 0.5836% | 5,013 |
| Return on Equity (ROE) | 2.9619% | 5,598 |
| Retained earnings to average equity (ytd only) | 2.9619% | 4,504 |
| Net charge-offs to loans | 0.0349% | 3,541 |
| Credit loss provision to net charge-offs | 12.5000% | 3,120 |
| Earnings coverage of net charge-offs (x) | 24.5000% | 1,077 |
| Efficiency ratio | 82.2624% | 2,008 |
| Assets per employee ($millions) | 3.4284% | 5,138 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7385% | 6,538 |
| Loan loss allowance to noncurrent loans | 64.3264% | 4,543 |
| Noncurrent assets plus other real estate owned to assets | 1.0792% | 3,771 |
| Noncurrent loans to loans | 1.1481% | 3,863 |
| Net loans and leases to total assets | 68.1557% | 1,979 |
| Net loans and leases to deposits | 86.4995% | 1,292 |
| Net loans and leases to core deposits | 86.7078% | 2,041 |
| Total domestic deposits to total assets | 78.7932% | 5,996 |
| Equity capital to assets | 13.6597% | 1,156 |
| Core capital (leverage) ratio | 13.4602% | 959 |
| Tier 1 risk-based capital ratio | 26.4435% | 751 |
| Total risk-based capital ratio | 27.4381% | 756 |
| Memoranda: | ||
| Average total assets | $133,654,500 | 4,107 |
| Average earning assets | $124,286,500 | 4,061 |
| Average equity | $18,231,500 | 3,494 |
| Average total loans | $91,816,500 | 3,697 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0747% | 5,038 |
| Cost of funding earning assets | 1.0662% | 1,046 |
| Net interest margin | 3.0085% | 6,035 |
| Noninterest income to average assets | 0.4055% | 4,562 |
| Noninterest expense to average assets | 2.7327% | 4,280 |
| Loan and lease loss provision to assets | 0.0044% | 5,870 |
| Net operating income to assets | 0.3442% | 5,316 |
| Return on assets (ROA) | 0.3442% | 5,536 |
| Pretax return on assets | 0.5214% | 5,217 |
| Return on Equity (ROE) | 2.5817% | 5,719 |
| Retained earnings to average equity (ytd only) | 2.5817% | 4,408 |
| Net charge-offs to loans | -0.0625% | 6,741 |
| Credit loss provision to net charge-offs | -10.3448% | 6,215 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.8622% | 1,645 |
| Assets per employee ($millions) | 3.4257% | 5,158 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7460% | 6,574 |
| Loan loss allowance to noncurrent loans | 79.7439% | 3,918 |
| Noncurrent assets plus other real estate owned to assets | 0.9341% | 4,169 |
| Noncurrent loans to loans | 0.9355% | 4,320 |
| Net loans and leases to total assets | 68.2183% | 2,148 |
| Net loans and leases to deposits | 87.8857% | 1,293 |
| Net loans and leases to core deposits | 88.1006% | 2,076 |
| Total domestic deposits to total assets | 77.6216% | 6,139 |
| Equity capital to assets | 13.6218% | 1,182 |
| Core capital (leverage) ratio | 13.3453% | 1,004 |
| Tier 1 risk-based capital ratio | 26.3087% | 746 |
| Total risk-based capital ratio | 27.3160% | 756 |
| Memoranda: | ||
| Average total assets | $135,394,800 | 4,039 |
| Average earning assets | $128,402,000 | 3,938 |
| Average equity | $18,050,200 | 3,459 |
| Average total loans | $92,869,600 | 3,681 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0806% | 5,265 |
| Cost of funding earning assets | 1.0922% | 1,095 |
| Net interest margin | 2.9884% | 6,193 |
| Noninterest income to average assets | 0.3995% | 4,640 |
| Noninterest expense to average assets | 2.7472% | 4,187 |
| Loan and lease loss provision to assets | 0.0059% | 5,736 |
| Net operating income to assets | 0.3268% | 5,517 |
| Return on assets (ROA) | 0.3268% | 5,722 |
| Pretax return on assets | 0.4957% | 5,478 |
| Return on Equity (ROE) | 2.4648% | 5,892 |
| Retained earnings to average equity (ytd only) | 2.4648% | 5,097 |
| Net charge-offs to loans | -0.0873% | 6,826 |
| Credit loss provision to net charge-offs | -9.8361% | 6,096 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.5619% | 1,525 |
| Assets per employee ($millions) | 3.5782% | 4,794 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7561% | 6,678 |
| Loan loss allowance to noncurrent loans | 66.1538% | 4,375 |
| Noncurrent assets plus other real estate owned to assets | 1.0576% | 4,174 |
| Noncurrent loans to loans | 1.1429% | 4,147 |
| Net loans and leases to total assets | 66.4159% | 2,573 |
| Net loans and leases to deposits | 85.2556% | 1,693 |
| Net loans and leases to core deposits | 85.6705% | 2,506 |
| Total domestic deposits to total assets | 77.9021% | 6,099 |
| Equity capital to assets | 13.3491% | 1,412 |
| Core capital (leverage) ratio | 13.0030% | 1,195 |
| Tier 1 risk-based capital ratio | 27.4259% | 706 |
| Total risk-based capital ratio | 28.4900% | 706 |
| Memoranda: | ||
| Average total assets | $135,843,000 | 4,065 |
| Average earning assets | $129,519,750 | 3,953 |
| Average equity | $18,013,000 | 3,499 |
| Average total loans | $93,130,500 | 3,710 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1364% | 5,177 |
| Cost of funding earning assets | 1.1179% | 1,138 |
| Net interest margin | 3.0185% | 6,203 |
| Noninterest income to average assets | 0.4050% | 4,613 |
| Noninterest expense to average assets | 2.7982% | 4,026 |
| Loan and lease loss provision to assets | 0.0059% | 5,581 |
| Net operating income to assets | 0.3137% | 5,571 |
| Return on assets (ROA) | 0.3137% | 5,777 |
| Pretax return on assets | 0.4801% | 5,496 |
| Return on Equity (ROE) | 2.3710% | 5,926 |
| Retained earnings to average equity (ytd only) | 2.3710% | 5,010 |
| Net charge-offs to loans | -0.1385% | 6,928 |
| Credit loss provision to net charge-offs | -6.1538% | 5,917 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.2018% | 1,512 |
| Assets per employee ($millions) | 3.5161% | 4,946 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7431% | 6,774 |
| Loan loss allowance to noncurrent loans | 105.5046% | 3,057 |
| Noncurrent assets plus other real estate owned to assets | 0.7672% | 4,874 |
| Noncurrent loans to loans | 0.7043% | 5,099 |
| Net loans and leases to total assets | 67.2112% | 2,423 |
| Net loans and leases to deposits | 86.9365% | 1,484 |
| Net loans and leases to core deposits | 87.3576% | 2,271 |
| Total domestic deposits to total assets | 77.3106% | 6,276 |
| Equity capital to assets | 13.1470% | 1,453 |
| Core capital (leverage) ratio | 12.8716% | 1,187 |
| Tier 1 risk-based capital ratio | 27.0024% | 728 |
| Total risk-based capital ratio | 28.0588% | 727 |
| Memoranda: | ||
| Average total assets | $135,800,000 | 4,079 |
| Average earning assets | $129,533,000 | 3,970 |
| Average equity | $17,967,000 | 3,504 |
| Average total loans | $93,842,330 | 3,714 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2568% | 4,901 |
| Cost of funding earning assets | 1.1612% | 1,141 |
| Net interest margin | 3.0956% | 6,059 |
| Noninterest income to average assets | 0.4085% | 4,612 |
| Noninterest expense to average assets | 2.8090% | 3,993 |
| Loan and lease loss provision to assets | 0.0118% | 5,156 |
| Net operating income to assets | 0.3522% | 5,467 |
| Return on assets (ROA) | 0.3522% | 5,642 |
| Pretax return on assets | 0.5387% | 5,320 |
| Return on Equity (ROE) | 2.6538% | 5,844 |
| Retained earnings to average equity (ytd only) | 2.6538% | 4,929 |
| Net charge-offs to loans | -0.0721% | 6,676 |
| Credit loss provision to net charge-offs | -23.5294% | 5,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.6123% | 1,726 |
| Assets per employee ($millions) | 3.3919% | 5,363 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6867% | 6,892 |
| Loan loss allowance to noncurrent loans | 108.4459% | 2,851 |
| Noncurrent assets plus other real estate owned to assets | 0.7636% | 5,017 |
| Noncurrent loans to loans | 0.6332% | 5,377 |
| Net loans and leases to total assets | 68.4356% | 2,032 |
| Net loans and leases to deposits | 87.2347% | 1,257 |
| Net loans and leases to core deposits | 87.6539% | 2,094 |
| Total domestic deposits to total assets | 78.4500% | 6,199 |
| Equity capital to assets | 13.2523% | 1,337 |
| Core capital (leverage) ratio | 12.9939% | 1,130 |
| Tier 1 risk-based capital ratio | 26.5020% | 765 |
| Total risk-based capital ratio | 27.4719% | 773 |
| Memoranda: | ||
| Average total assets | $135,137,000 | 4,124 |
| Average earning assets | $128,829,500 | 4,009 |
| Average equity | $17,936,500 | 3,512 |
| Average total loans | $94,336,500 | 3,726 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6123% | 4,627 |
| Cost of funding earning assets | 1.3006% | 1,483 |
| Net interest margin | 3.3118% | 5,774 |
| Noninterest income to average assets | 0.4070% | 4,563 |
| Noninterest expense to average assets | 2.8648% | 4,111 |
| Loan and lease loss provision to assets | 0.0796% | 5,622 |
| Net operating income to assets | 0.4115% | 4,810 |
| Return on assets (ROA) | 0.4115% | 4,999 |
| Pretax return on assets | 0.6237% | 4,614 |
| Return on Equity (ROE) | 3.0726% | 5,253 |
| Retained earnings to average equity (ytd only) | 3.0726% | 4,040 |
| Net charge-offs to loans | 0.1734% | 4,760 |
| Credit loss provision to net charge-offs | 62.8743% | 5,094 |
| Earnings coverage of net charge-offs (x) | 5.5569% | 2,755 |
| Efficiency ratio | 80.2889% | 2,266 |
| Assets per employee ($millions) | 3.3650% | 5,333 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6524% | 6,956 |
| Loan loss allowance to noncurrent loans | 91.3235% | 3,287 |
| Noncurrent assets plus other real estate owned to assets | 0.8351% | 4,954 |
| Noncurrent loans to loans | 0.7144% | 5,270 |
| Net loans and leases to total assets | 70.2531% | 1,985 |
| Net loans and leases to deposits | 91.2574% | 1,030 |
| Net loans and leases to core deposits | 91.7061% | 1,917 |
| Total domestic deposits to total assets | 76.9835% | 6,344 |
| Equity capital to assets | 13.2936% | 1,365 |
| Core capital (leverage) ratio | 12.9799% | 1,150 |
| Tier 1 risk-based capital ratio | 25.7131% | 802 |
| Total risk-based capital ratio | 26.6295% | 810 |
| Memoranda: | ||
| Average total assets | $131,947,800 | 4,131 |
| Average earning assets | $125,945,200 | 4,016 |
| Average equity | $17,672,200 | 3,475 |
| Average total loans | $96,290,600 | 3,722 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6696% | 4,593 |
| Cost of funding earning assets | 1.3176% | 1,602 |
| Net interest margin | 3.3520% | 5,711 |
| Noninterest income to average assets | 0.4062% | 4,618 |
| Noninterest expense to average assets | 2.8995% | 3,933 |
| Loan and lease loss provision to assets | 0.0731% | 5,539 |
| Net operating income to assets | 0.4194% | 4,908 |
| Return on assets (ROA) | 0.4194% | 5,099 |
| Pretax return on assets | 0.6347% | 4,702 |
| Return on Equity (ROE) | 3.1257% | 5,365 |
| Retained earnings to average equity (ytd only) | 3.1257% | 4,464 |
| Net charge-offs to loans | 0.1588% | 4,509 |
| Credit loss provision to net charge-offs | 62.6087% | 4,723 |
| Earnings coverage of net charge-offs (x) | 6.0608% | 2,631 |
| Efficiency ratio | 80.3773% | 2,198 |
| Assets per employee ($millions) | 3.2813% | 5,514 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6663% | 7,008 |
| Loan loss allowance to noncurrent loans | 70.5623% | 3,948 |
| Noncurrent assets plus other real estate owned to assets | 0.9039% | 4,928 |
| Noncurrent loans to loans | 0.9443% | 4,993 |
| Net loans and leases to total assets | 70.9191% | 1,914 |
| Net loans and leases to deposits | 90.4833% | 1,156 |
| Net loans and leases to core deposits | 90.9282% | 2,133 |
| Total domestic deposits to total assets | 78.3781% | 6,118 |
| Equity capital to assets | 13.2545% | 1,487 |
| Core capital (leverage) ratio | 13.0352% | 1,219 |
| Tier 1 risk-based capital ratio | 24.6743% | 942 |
| Total risk-based capital ratio | 25.5875% | 961 |
| Memoranda: | ||
| Average total assets | $131,285,000 | 4,170 |
| Average earning assets | $125,375,000 | 4,055 |
| Average equity | $17,617,000 | 3,482 |
| Average total loans | $96,568,000 | 3,737 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7813% | 4,166 |
| Cost of funding earning assets | 1.3502% | 1,649 |
| Net interest margin | 3.4311% | 5,441 |
| Noninterest income to average assets | 0.4009% | 4,675 |
| Noninterest expense to average assets | 2.9401% | 3,864 |
| Loan and lease loss provision to assets | 0.0768% | 5,349 |
| Net operating income to assets | 0.4316% | 4,802 |
| Return on assets (ROA) | 0.4316% | 4,950 |
| Pretax return on assets | 0.6590% | 4,539 |
| Return on Equity (ROE) | 3.2031% | 5,306 |
| Retained earnings to average equity (ytd only) | 3.2031% | 4,230 |
| Net charge-offs to loans | 0.1943% | 3,987 |
| Credit loss provision to net charge-offs | 53.1915% | 4,505 |
| Earnings coverage of net charge-offs (x) | 5.0957% | 2,692 |
| Efficiency ratio | 79.9833% | 2,391 |
| Assets per employee ($millions) | 3.1972% | 5,647 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6681% | 7,059 |
| Loan loss allowance to noncurrent loans | 90.2542% | 3,150 |
| Noncurrent assets plus other real estate owned to assets | 0.7758% | 5,341 |
| Noncurrent loans to loans | 0.7402% | 5,434 |
| Net loans and leases to total assets | 72.4776% | 1,691 |
| Net loans and leases to deposits | 90.7656% | 1,188 |
| Net loans and leases to core deposits | 91.5307% | 2,196 |
| Total domestic deposits to total assets | 79.8514% | 5,866 |
| Equity capital to assets | 13.5156% | 1,283 |
| Core capital (leverage) ratio | 12.9902% | 1,166 |
| Tier 1 risk-based capital ratio | 24.5540% | 950 |
| Total risk-based capital ratio | 25.4682% | 960 |
| Memoranda: | ||
| Average total assets | $130,201,670 | 4,230 |
| Average earning assets | $124,275,000 | 4,114 |
| Average equity | $17,545,330 | 3,489 |
| Average total loans | $96,740,330 | 3,780 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8173% | 3,979 |
| Cost of funding earning assets | 1.3893% | 1,668 |
| Net interest margin | 3.4280% | 5,309 |
| Noninterest income to average assets | 0.3884% | 4,802 |
| Noninterest expense to average assets | 2.9285% | 3,954 |
| Loan and lease loss provision to assets | 0.0493% | 5,384 |
| Net operating income to assets | 0.4470% | 4,735 |
| Return on assets (ROA) | 0.4470% | 4,817 |
| Pretax return on assets | 0.6813% | 4,378 |
| Return on Equity (ROE) | 3.3220% | 5,229 |
| Retained earnings to average equity (ytd only) | 3.3220% | 4,187 |
| Net charge-offs to loans | 0.0493% | 4,442 |
| Credit loss provision to net charge-offs | 133.3333% | 2,077 |
| Earnings coverage of net charge-offs (x) | 19.7500% | 1,124 |
| Efficiency ratio | 80.0337% | 2,525 |
| Assets per employee ($millions) | 3.1276% | 5,877 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7102% | 7,066 |
| Loan loss allowance to noncurrent loans | 69.9593% | 3,929 |
| Noncurrent assets plus other real estate owned to assets | 0.8694% | 5,167 |
| Noncurrent loans to loans | 1.0152% | 5,026 |
| Net loans and leases to total assets | 73.1151% | 1,492 |
| Net loans and leases to deposits | 91.5804% | 1,058 |
| Net loans and leases to core deposits | 92.3482% | 2,087 |
| Total domestic deposits to total assets | 79.8371% | 5,983 |
| Equity capital to assets | 13.3412% | 1,245 |
| Core capital (leverage) ratio | 13.1037% | 1,095 |
| Tier 1 risk-based capital ratio | 24.1002% | 964 |
| Total risk-based capital ratio | 25.0725% | 971 |
| Memoranda: | ||
| Average total assets | $129,759,500 | 4,267 |
| Average earning assets | $123,804,000 | 4,143 |
| Average equity | $17,459,500 | 3,501 |
| Average total loans | $97,287,000 | 3,798 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1724% | 3,737 |
| Cost of funding earning assets | 1.5987% | 2,075 |
| Net interest margin | 3.5737% | 4,947 |
| Noninterest income to average assets | 0.3906% | 4,971 |
| Noninterest expense to average assets | 2.8502% | 4,404 |
| Loan and lease loss provision to assets | 0.0781% | 6,378 |
| Net operating income to assets | 0.5734% | 3,784 |
| Return on assets (ROA) | 0.5734% | 3,949 |
| Pretax return on assets | 0.8699% | 3,406 |
| Return on Equity (ROE) | 4.4076% | 4,340 |
| Retained earnings to average equity (ytd only) | 4.4076% | 2,766 |
| Net charge-offs to loans | 0.1012% | 5,853 |
| Credit loss provision to net charge-offs | 103.0000% | 4,382 |
| Earnings coverage of net charge-offs (x) | 12.5000% | 1,494 |
| Efficiency ratio | 75.0399% | 3,204 |
| Assets per employee ($millions) | 3.2040% | 5,662 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6981% | 7,142 |
| Loan loss allowance to noncurrent loans | 80.5425% | 3,513 |
| Noncurrent assets plus other real estate owned to assets | 0.7865% | 5,436 |
| Noncurrent loans to loans | 0.8667% | 5,330 |
| Net loans and leases to total assets | 75.8121% | 1,316 |
| Net loans and leases to deposits | 96.4779% | 827 |
| Net loans and leases to core deposits | 97.3177% | 1,865 |
| Total domestic deposits to total assets | 78.5797% | 6,196 |
| Equity capital to assets | 13.5722% | 1,161 |
| Core capital (leverage) ratio | 12.9014% | 1,161 |
| Tier 1 risk-based capital ratio | 23.8939% | 942 |
| Total risk-based capital ratio | 24.8606% | 947 |
| Memoranda: | ||
| Average total assets | $131,848,400 | 4,224 |
| Average earning assets | $125,724,000 | 4,111 |
| Average equity | $17,152,000 | 3,567 |
| Average total loans | $98,826,400 | 3,831 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2090% | 3,784 |
| Cost of funding earning assets | 1.6335% | 2,189 |
| Net interest margin | 3.5755% | 4,988 |
| Noninterest income to average assets | 0.3706% | 5,194 |
| Noninterest expense to average assets | 2.8058% | 4,461 |
| Loan and lease loss provision to assets | 0.0793% | 6,253 |
| Net operating income to assets | 0.5905% | 3,916 |
| Return on assets (ROA) | 0.5905% | 4,079 |
| Pretax return on assets | 0.8948% | 3,578 |
| Return on Equity (ROE) | 4.5870% | 4,510 |
| Retained earnings to average equity (ytd only) | 4.5870% | 3,278 |
| Net charge-offs to loans | 0.1023% | 5,506 |
| Credit loss provision to net charge-offs | 103.9474% | 4,127 |
| Earnings coverage of net charge-offs (x) | 12.7632% | 1,653 |
| Efficiency ratio | 74.2295% | 3,281 |
| Assets per employee ($millions) | 3.1875% | 5,702 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6802% | 7,227 |
| Loan loss allowance to noncurrent loans | 70.8506% | 3,778 |
| Noncurrent assets plus other real estate owned to assets | 0.8142% | 5,466 |
| Noncurrent loans to loans | 0.9600% | 5,313 |
| Net loans and leases to total assets | 76.3161% | 1,347 |
| Net loans and leases to deposits | 98.5319% | 764 |
| Net loans and leases to core deposits | 99.3822% | 1,904 |
| Total domestic deposits to total assets | 77.4532% | 6,380 |
| Equity capital to assets | 13.2621% | 1,467 |
| Core capital (leverage) ratio | 12.4789% | 1,416 |
| Tier 1 risk-based capital ratio | 23.1790% | 1,041 |
| Total risk-based capital ratio | 24.1263% | 1,062 |
| Memoranda: | ||
| Average total assets | $132,770,750 | 4,255 |
| Average earning assets | $126,598,000 | 4,144 |
| Average equity | $17,091,500 | 3,624 |
| Average total loans | $99,072,250 | 3,883 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1856% | 4,023 |
| Cost of funding earning assets | 1.6562% | 2,354 |
| Net interest margin | 3.5293% | 5,127 |
| Noninterest income to average assets | 0.3641% | 5,223 |
| Noninterest expense to average assets | 2.7738% | 4,599 |
| Loan and lease loss provision to assets | 0.0659% | 6,290 |
| Net operating income to assets | 0.5874% | 3,926 |
| Return on assets (ROA) | 0.5874% | 4,069 |
| Pretax return on assets | 0.8901% | 3,537 |
| Return on Equity (ROE) | 4.6087% | 4,488 |
| Retained earnings to average equity (ytd only) | 4.6087% | 3,141 |
| Net charge-offs to loans | 0.0852% | 5,291 |
| Credit loss provision to net charge-offs | 104.7619% | 3,894 |
| Earnings coverage of net charge-offs (x) | 15.1905% | 1,470 |
| Efficiency ratio | 74.3672% | 3,400 |
| Assets per employee ($millions) | 3.3539% | 5,302 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6820% | 7,281 |
| Loan loss allowance to noncurrent loans | 66.4717% | 4,009 |
| Noncurrent assets plus other real estate owned to assets | 0.8393% | 5,437 |
| Noncurrent loans to loans | 1.0259% | 5,254 |
| Net loans and leases to total assets | 74.0349% | 1,905 |
| Net loans and leases to deposits | 96.0515% | 1,044 |
| Net loans and leases to core deposits | 96.9544% | 2,335 |
| Total domestic deposits to total assets | 77.0783% | 6,488 |
| Equity capital to assets | 12.8633% | 1,624 |
| Core capital (leverage) ratio | 12.3133% | 1,491 |
| Tier 1 risk-based capital ratio | 22.8689% | 1,080 |
| Total risk-based capital ratio | 23.8145% | 1,093 |
| Memoranda: | ||
| Average total assets | $133,465,000 | 4,272 |
| Average earning assets | $127,276,000 | 4,149 |
| Average equity | $17,011,330 | 3,631 |
| Average total loans | $98,623,330 | 3,941 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2161% | 3,937 |
| Cost of funding earning assets | 1.6957% | 2,416 |
| Net interest margin | 3.5204% | 5,086 |
| Noninterest income to average assets | 0.3546% | 5,303 |
| Noninterest expense to average assets | 2.8035% | 4,469 |
| Loan and lease loss provision to assets | 0.0781% | 5,857 |
| Net operating income to assets | 0.5559% | 4,105 |
| Return on assets (ROA) | 0.5559% | 4,248 |
| Pretax return on assets | 0.8353% | 3,724 |
| Return on Equity (ROE) | 4.3817% | 4,717 |
| Retained earnings to average equity (ytd only) | 4.3817% | 3,523 |
| Net charge-offs to loans | 0.1184% | 4,266 |
| Credit loss provision to net charge-offs | 89.6552% | 3,669 |
| Earnings coverage of net charge-offs (x) | 10.4828% | 1,735 |
| Efficiency ratio | 75.4244% | 3,319 |
| Assets per employee ($millions) | 3.2447% | 5,665 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6898% | 7,355 |
| Loan loss allowance to noncurrent loans | 93.7673% | 2,939 |
| Noncurrent assets plus other real estate owned to assets | 0.6179% | 5,972 |
| Noncurrent loans to loans | 0.7356% | 5,852 |
| Net loans and leases to total assets | 73.2662% | 2,135 |
| Net loans and leases to deposits | 95.8803% | 1,123 |
| Net loans and leases to core deposits | 96.5489% | 2,517 |
| Total domestic deposits to total assets | 76.4143% | 6,678 |
| Equity capital to assets | 12.7712% | 1,615 |
| Core capital (leverage) ratio | 12.1560% | 1,566 |
| Tier 1 risk-based capital ratio | 22.9102% | 1,090 |
| Total risk-based capital ratio | 23.8612% | 1,107 |
| Memoranda: | ||
| Average total assets | $133,119,000 | 4,339 |
| Average earning assets | $127,145,500 | 4,211 |
| Average equity | $16,888,500 | 3,677 |
| Average total loans | $97,932,500 | 4,022 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4127% | 4,634 |
| Cost of funding earning assets | 2.0376% | 2,787 |
| Net interest margin | 3.3752% | 5,467 |
| Noninterest income to average assets | 0.3645% | 5,483 |
| Noninterest expense to average assets | 2.6676% | 5,522 |
| Loan and lease loss provision to assets | 0.0483% | 7,081 |
| Net operating income to assets | 0.5915% | 3,363 |
| Return on assets (ROA) | 0.5925% | 3,441 |
| Pretax return on assets | 0.8724% | 3,010 |
| Return on Equity (ROE) | 4.8973% | 3,711 |
| Retained earnings to average equity (ytd only) | 4.8973% | 1,870 |
| Net charge-offs to loans | 0.0575% | 6,519 |
| Credit loss provision to net charge-offs | 118.1818% | 4,574 |
| Earnings coverage of net charge-offs (x) | 22.5091% | 960 |
| Efficiency ratio | 74.3738% | 3,818 |
| Assets per employee ($millions) | 3.1715% | 5,788 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6948% | 7,387 |
| Loan loss allowance to noncurrent loans | 96.7236% | 2,890 |
| Noncurrent assets plus other real estate owned to assets | 0.6021% | 5,954 |
| Noncurrent loans to loans | 0.7184% | 5,812 |
| Net loans and leases to total assets | 72.8507% | 2,542 |
| Net loans and leases to deposits | 97.2696% | 1,181 |
| Net loans and leases to core deposits | 106.6889% | 3,254 |
| Total domestic deposits to total assets | 74.8956% | 6,882 |
| Equity capital to assets | 12.6025% | 1,696 |
| Core capital (leverage) ratio | 12.0860% | 1,627 |
| Tier 1 risk-based capital ratio | 22.7799% | 1,064 |
| Total risk-based capital ratio | 23.7406% | 1,070 |
| Memoranda: | ||
| Average total assets | $134,688,400 | 4,245 |
| Average earning assets | $128,585,800 | 4,122 |
| Average equity | $16,294,600 | 3,823 |
| Average total loans | $95,698,200 | 4,069 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4095% | 4,899 |
| Cost of funding earning assets | 2.1061% | 2,862 |
| Net interest margin | 3.3034% | 5,626 |
| Noninterest income to average assets | 0.3593% | 5,621 |
| Noninterest expense to average assets | 2.6230% | 5,629 |
| Loan and lease loss provision to assets | 0.0424% | 6,942 |
| Net operating income to assets | 0.5808% | 3,673 |
| Return on assets (ROA) | 0.5815% | 3,740 |
| Pretax return on assets | 0.8490% | 3,381 |
| Return on Equity (ROE) | 4.8561% | 4,026 |
| Retained earnings to average equity (ytd only) | 4.8561% | 2,579 |
| Net charge-offs to loans | 0.0490% | 6,230 |
| Credit loss provision to net charge-offs | 122.8571% | 4,119 |
| Earnings coverage of net charge-offs (x) | 25.7690% | 1,041 |
| Efficiency ratio | 74.6558% | 3,752 |
| Assets per employee ($millions) | 3.1617% | 5,751 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6966% | 7,380 |
| Loan loss allowance to noncurrent loans | 108.4936% | 2,588 |
| Noncurrent assets plus other real estate owned to assets | 0.5452% | 6,095 |
| Noncurrent loans to loans | 0.6421% | 6,013 |
| Net loans and leases to total assets | 72.6794% | 2,864 |
| Net loans and leases to deposits | 97.2501% | 1,408 |
| Net loans and leases to core deposits | 106.0071% | 3,700 |
| Total domestic deposits to total assets | 74.7345% | 6,823 |
| Equity capital to assets | 12.5341% | 1,930 |
| Core capital (leverage) ratio | 11.8533% | 1,864 |
| Tier 1 risk-based capital ratio | 22.7656% | 1,137 |
| Total risk-based capital ratio | 23.7339% | 1,151 |
| Memoranda: | ||
| Average total assets | $135,059,500 | 4,250 |
| Average earning assets | $128,954,250 | 4,127 |
| Average equity | $16,171,500 | 3,875 |
| Average total loans | $95,193,000 | 4,117 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4122% | 5,081 |
| Cost of funding earning assets | 2.1834% | 2,867 |
| Net interest margin | 3.2288% | 5,809 |
| Noninterest income to average assets | 0.3461% | 5,735 |
| Noninterest expense to average assets | 2.6477% | 5,567 |
| Loan and lease loss provision to assets | 0.0486% | 6,747 |
| Net operating income to assets | 0.5114% | 4,043 |
| Return on assets (ROA) | 0.5125% | 4,159 |
| Pretax return on assets | 0.7348% | 3,880 |
| Return on Equity (ROE) | 4.3462% | 4,360 |
| Retained earnings to average equity (ytd only) | 4.3462% | 2,879 |
| Net charge-offs to loans | 0.0719% | 5,498 |
| Credit loss provision to net charge-offs | 97.0588% | 4,703 |
| Earnings coverage of net charge-offs (x) | 15.6176% | 1,584 |
| Efficiency ratio | 77.2005% | 3,479 |
| Assets per employee ($millions) | 3.4440% | 4,964 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7074% | 7,403 |
| Loan loss allowance to noncurrent loans | 130.4688% | 2,253 |
| Noncurrent assets plus other real estate owned to assets | 0.4750% | 6,252 |
| Noncurrent loans to loans | 0.5422% | 6,184 |
| Net loans and leases to total assets | 69.8046% | 3,752 |
| Net loans and leases to deposits | 93.7055% | 2,138 |
| Net loans and leases to core deposits | 102.4935% | 4,230 |
| Total domestic deposits to total assets | 74.4935% | 6,865 |
| Equity capital to assets | 12.0076% | 2,197 |
| Core capital (leverage) ratio | 11.4928% | 2,090 |
| Tier 1 risk-based capital ratio | 22.6571% | 1,174 |
| Total risk-based capital ratio | 23.6226% | 1,172 |
| Memoranda: | ||
| Average total assets | $135,816,000 | 4,263 |
| Average earning assets | $129,708,000 | 4,140 |
| Average equity | $16,014,000 | 3,920 |
| Average total loans | $94,528,000 | 4,157 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4394% | 5,232 |
| Cost of funding earning assets | 2.2791% | 2,795 |
| Net interest margin | 3.1602% | 5,984 |
| Noninterest income to average assets | 0.3515% | 5,633 |
| Noninterest expense to average assets | 2.5424% | 5,678 |
| Loan and lease loss provision to assets | 0.0557% | 6,265 |
| Net operating income to assets | 0.5389% | 4,260 |
| Return on assets (ROA) | 0.5389% | 4,451 |
| Pretax return on assets | 0.7791% | 4,154 |
| Return on Equity (ROE) | 4.6124% | 4,655 |
| Retained earnings to average equity (ytd only) | 4.6124% | 3,363 |
| Net charge-offs to loans | 0.0846% | 4,322 |
| Credit loss provision to net charge-offs | 95.0000% | 3,892 |
| Earnings coverage of net charge-offs (x) | 14.2500% | 1,681 |
| Efficiency ratio | 75.2819% | 3,604 |
| Assets per employee ($millions) | 3.4116% | 5,043 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7112% | 7,411 |
| Loan loss allowance to noncurrent loans | 114.1880% | 2,715 |
| Noncurrent assets plus other real estate owned to assets | 0.5628% | 5,789 |
| Noncurrent loans to loans | 0.6229% | 5,842 |
| Net loans and leases to total assets | 68.3352% | 4,062 |
| Net loans and leases to deposits | 92.0326% | 2,598 |
| Net loans and leases to core deposits | 100.5553% | 4,491 |
| Total domestic deposits to total assets | 74.2511% | 6,841 |
| Equity capital to assets | 11.8295% | 2,365 |
| Core capital (leverage) ratio | 11.3021% | 2,278 |
| Tier 1 risk-based capital ratio | 22.2742% | 1,270 |
| Total risk-based capital ratio | 23.2334% | 1,276 |
| Memoranda: | ||
| Average total assets | $136,566,500 | 4,266 |
| Average earning assets | $130,750,500 | 4,141 |
| Average equity | $15,957,000 | 3,948 |
| Average total loans | $94,579,000 | 4,188 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7467% | 6,612 |
| Cost of funding earning assets | 2.5505% | 3,954 |
| Net interest margin | 3.1963% | 6,378 |
| Noninterest income to average assets | 0.3663% | 5,772 |
| Noninterest expense to average assets | 2.5659% | 5,769 |
| Loan and lease loss provision to assets | 0.0857% | 6,314 |
| Net operating income to assets | 0.5371% | 4,592 |
| Return on assets (ROA) | 0.5377% | 4,435 |
| Pretax return on assets | 0.7663% | 4,193 |
| Return on Equity (ROE) | 4.6359% | 4,542 |
| Retained earnings to average equity (ytd only) | 4.6359% | 2,238 |
| Net charge-offs to loans | 0.1070% | 5,218 |
| Credit loss provision to net charge-offs | 110.8911% | 4,863 |
| Earnings coverage of net charge-offs (x) | 11.0198% | 2,424 |
| Efficiency ratio | 75.0895% | 3,387 |
| Assets per employee ($millions) | 3.5043% | 4,644 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7025% | 7,417 |
| Loan loss allowance to noncurrent loans | 172.4227% | 2,201 |
| Noncurrent assets plus other real estate owned to assets | 0.4288% | 5,934 |
| Noncurrent loans to loans | 0.4074% | 6,122 |
| Net loans and leases to total assets | 69.1949% | 4,207 |
| Net loans and leases to deposits | 94.0049% | 2,755 |
| Net loans and leases to core deposits | 103.3530% | 4,461 |
| Total domestic deposits to total assets | 73.6078% | 6,716 |
| Equity capital to assets | 11.5396% | 2,612 |
| Core capital (leverage) ratio | 11.1535% | 2,461 |
| Tier 1 risk-based capital ratio | 21.8136% | 1,343 |
| Total risk-based capital ratio | 22.7657% | 1,353 |
| Memoranda: | ||
| Average total assets | $130,751,800 | 4,265 |
| Average earning assets | $124,801,200 | 4,161 |
| Average equity | $15,164,200 | 4,108 |
| Average total loans | $94,351,600 | 4,096 |