Home > Settlers Bank > Performance and Condition Ratios
Settlers Bank, Performance and Condition Ratios
| 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 | 5.5021% | 829 |
| Cost of funding earning assets | 2.0306% | 467 |
| Net interest margin | 3.4715% | 2,339 |
| Noninterest income to average assets | 0.4100% | 2,372 |
| Noninterest expense to average assets | 2.8217% | 1,374 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.5919% | 3,594 |
| Return on assets (ROA) | 0.5919% | 3,603 |
| Pretax return on assets | 0.9079% | 3,145 |
| Return on Equity (ROE) | 5.5000% | 3,798 |
| Retained earnings to average equity (ytd only) | 5.4963% | 2,787 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 75.6568% | 1,204 |
| Assets per employee ($millions) | 9.5696% | 761 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1421% | 338 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 90.9200% | 28 |
| Net loans and leases to deposits | 126.2472% | 65 |
| Net loans and leases to core deposits | 407.6487% | 12 |
| Total domestic deposits to total assets | 72.0200% | 4,292 |
| Equity capital to assets | 10.5997% | 1,550 |
| Core capital (leverage) ratio | 11.2231% | 1,779 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2343% | 2,558 |
| Memoranda: | ||
| Average total assets | $400,045,667 | 2,015 |
| Average earning assets | $382,835,000 | 1,971 |
| Average equity | $43,083,667 | 1,778 |
| Average total loans | $361,643,667 | 1,558 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4314% | 686 |
| Cost of funding earning assets | 1.6548% | 629 |
| Net interest margin | 3.7766% | 1,731 |
| Noninterest income to average assets | 0.4600% | 2,027 |
| Noninterest expense to average assets | 3.0249% | 1,019 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.7760% | 3,274 |
| Return on assets (ROA) | 0.7760% | 3,229 |
| Pretax return on assets | 1.0651% | 2,813 |
| Return on Equity (ROE) | 7.1500% | 3,483 |
| Retained earnings to average equity (ytd only) | 7.1467% | 2,454 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 73.9583% | 1,344 |
| Assets per employee ($millions) | 8.9010% | 974 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3390% | 264 |
| Loan loss allowance to noncurrent loans | 1,716.9811% | 664 |
| Noncurrent assets plus other real estate owned to assets | 0.1246% | 2,636 |
| Noncurrent loans to loans | 0.1362% | 2,822 |
| Net loans and leases to total assets | 89.3400% | 42 |
| Net loans and leases to deposits | 118.7335% | 92 |
| Net loans and leases to core deposits | 141.5926% | 175 |
| Total domestic deposits to total assets | 75.2500% | 4,204 |
| Equity capital to assets | 11.2898% | 1,229 |
| Core capital (leverage) ratio | 10.7088% | 2,059 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1640% | 2,322 |
| Memoranda: | ||
| Average total assets | $394,323,000 | 2,062 |
| Average earning assets | $378,539,000 | 2,004 |
| Average equity | $42,817,000 | 1,808 |
| Average total loans | $351,300,500 | 1,611 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4538% | 793 |
| Cost of funding earning assets | 0.5046% | 1,352 |
| Net interest margin | 3.9493% | 860 |
| Noninterest income to average assets | 0.9000% | 783 |
| Noninterest expense to average assets | 2.8528% | 1,222 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.2798% | 1,502 |
| Return on assets (ROA) | 1.2798% | 1,458 |
| Pretax return on assets | 1.8252% | 695 |
| Return on Equity (ROE) | 11.1600% | 2,419 |
| Retained earnings to average equity (ytd only) | 11.1643% | 848 |
| Net charge-offs to loans | 0.0034% | 2,340 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 580.4545% | 300 |
| Efficiency ratio | 60.9838% | 2,912 |
| Assets per employee ($millions) | 9.4396% | 801 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3237% | 253 |
| Loan loss allowance to noncurrent loans | 231.4213% | 2,487 |
| Noncurrent assets plus other real estate owned to assets | 0.8719% | 522 |
| Noncurrent loans to loans | 1.0041% | 728 |
| Net loans and leases to total assets | 84.8200% | 212 |
| Net loans and leases to deposits | 110.3594% | 149 |
| Net loans and leases to core deposits | 127.0224% | 263 |
| Total domestic deposits to total assets | 76.8500% | 4,189 |
| Equity capital to assets | 10.4516% | 1,473 |
| Core capital (leverage) ratio | 11.1002% | 1,737 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7721% | 2,460 |
| Memoranda: | ||
| Average total assets | $349,833,600 | 2,229 |
| Average earning assets | $334,744,800 | 2,180 |
| Average equity | $40,101,000 | 1,914 |
| Average total loans | $318,896,600 | 1,640 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2810% | 766 |
| Cost of funding earning assets | 0.3334% | 1,826 |
| Net interest margin | 3.9475% | 709 |
| Noninterest income to average assets | 0.4700% | 2,322 |
| Noninterest expense to average assets | 2.7304% | 1,401 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.1014% | 2,083 |
| Return on assets (ROA) | 1.1014% | 2,053 |
| Pretax return on assets | 1.5218% | 1,352 |
| Return on Equity (ROE) | 9.3600% | 2,918 |
| Retained earnings to average equity (ytd only) | 9.3586% | 1,534 |
| Net charge-offs to loans | 0.0026% | 2,164 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 638.8333% | 253 |
| Efficiency ratio | 64.2110% | 2,513 |
| Assets per employee ($millions) | 8.3405% | 1,149 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5480% | 224 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 89.4600% | 34 |
| Net loans and leases to deposits | 120.3298% | 54 |
| Net loans and leases to core deposits | 140.9877% | 94 |
| Total domestic deposits to total assets | 74.3500% | 4,445 |
| Equity capital to assets | 11.6332% | 961 |
| Core capital (leverage) ratio | 12.1651% | 1,175 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1569% | 1,991 |
| Memoranda: | ||
| Average total assets | $335,816,750 | 2,293 |
| Average earning assets | $321,880,250 | 2,246 |
| Average equity | $39,520,500 | 1,958 |
| Average total loans | $310,507,000 | 1,669 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2072% | 623 |
| Cost of funding earning assets | 0.2294% | 2,516 |
| Net interest margin | 3.9778% | 516 |
| Noninterest income to average assets | 0.5100% | 2,144 |
| Noninterest expense to average assets | 2.7379% | 1,301 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.1330% | 1,653 |
| Return on assets (ROA) | 1.1330% | 1,630 |
| Pretax return on assets | 1.5650% | 1,020 |
| Return on Equity (ROE) | 9.5883% | 2,491 |
| Retained earnings to average equity (ytd only) | 9.5883% | 1,120 |
| Net charge-offs to loans | 0.0039% | 1,884 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 431.6667% | 291 |
| Efficiency ratio | 63.6287% | 2,821 |
| Assets per employee ($millions) | 7.7776% | 1,428 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6462% | 208 |
| Loan loss allowance to noncurrent loans | 1,969.7115% | 566 |
| Noncurrent assets plus other real estate owned to assets | 0.1305% | 2,801 |
| Noncurrent loans to loans | 0.1343% | 3,038 |
| Net loans and leases to total assets | 94.5359% | 4 |
| Net loans and leases to deposits | 129.2340% | 27 |
| Net loans and leases to core deposits | 130.9877% | 121 |
| Total domestic deposits to total assets | 73.1510% | 4,559 |
| Equity capital to assets | 12.5052% | 759 |
| Core capital (leverage) ratio | 12.1637% | 1,094 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9809% | 2,066 |
| Memoranda: | ||
| Average total assets | $330,989,000 | 2,320 |
| Average earning assets | $315,602,333 | 2,297 |
| Average equity | $39,110,333 | 2,038 |
| Average total loans | $306,813,667 | 1,685 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2404% | 485 |
| Cost of funding earning assets | 0.2292% | 2,409 |
| Net interest margin | 4.0112% | 406 |
| Noninterest income to average assets | 0.5436% | 1,936 |
| Noninterest expense to average assets | 2.6442% | 1,493 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.2343% | 1,157 |
| Return on assets (ROA) | 1.2343% | 1,143 |
| Pretax return on assets | 1.6995% | 684 |
| Return on Equity (ROE) | 10.7419% | 1,710 |
| Retained earnings to average equity (ytd only) | 10.7419% | 835 |
| Net charge-offs to loans | 0.0079% | 1,463 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 238.6667% | 381 |
| Efficiency ratio | 60.8743% | 3,387 |
| Assets per employee ($millions) | 7.9988% | 1,363 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7533% | 207 |
| Loan loss allowance to noncurrent loans | 6,451.9685% | 212 |
| Noncurrent assets plus other real estate owned to assets | 0.0387% | 3,648 |
| Noncurrent loans to loans | 0.0427% | 3,674 |
| Net loans and leases to total assets | 88.2500% | 24 |
| Net loans and leases to deposits | 118.8280% | 37 |
| Net loans and leases to core deposits | 121.7651% | 139 |
| Total domestic deposits to total assets | 74.2670% | 4,565 |
| Equity capital to assets | 11.9448% | 977 |
| Core capital (leverage) ratio | 11.6415% | 1,215 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3874% | 2,041 |
| Memoranda: | ||
| Average total assets | $337,042,000 | 2,314 |
| Average earning assets | $319,309,000 | 2,290 |
| Average equity | $38,727,000 | 2,100 |
| Average total loans | $305,394,000 | 1,682 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6278% | 474 |
| Cost of funding earning assets | 0.4230% | 1,371 |
| Net interest margin | 4.2048% | 482 |
| Noninterest income to average assets | 0.7112% | 1,725 |
| Noninterest expense to average assets | 2.5526% | 2,018 |
| Loan and lease loss provision to assets | 0.6353% | 77 |
| Net operating income to assets | 1.0949% | 2,313 |
| Return on assets (ROA) | 1.0949% | 2,377 |
| Pretax return on assets | 1.4876% | 1,762 |
| Return on Equity (ROE) | 10.3271% | 2,404 |
| Retained earnings to average equity (ytd only) | 9.9171% | 937 |
| Net charge-offs to loans | 0.1857% | 521 |
| Credit loss provision to net charge-offs | 383.8879% | 930 |
| Earnings coverage of net charge-offs (x) | 12.8284% | 2,098 |
| Efficiency ratio | 54.5962% | 3,861 |
| Assets per employee ($millions) | 8.2413% | 1,199 |
| Cash dividends to net income (ytd only)* | 3.9704% | 3,530 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6186% | 237 |
| Loan loss allowance to noncurrent loans | 2,620.1278% | 427 |
| Noncurrent assets plus other real estate owned to assets | 0.0904% | 3,306 |
| Noncurrent loans to loans | 0.0999% | 3,429 |
| Net loans and leases to total assets | 88.1096% | 30 |
| Net loans and leases to deposits | 112.6066% | 68 |
| Net loans and leases to core deposits | 115.8111% | 203 |
| Total domestic deposits to total assets | 78.2455% | 4,371 |
| Equity capital to assets | 11.0596% | 1,754 |
| Core capital (leverage) ratio | 11.3266% | 1,379 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5398% | 2,433 |
| Memoranda: | ||
| Average total assets | $345,060,600 | 2,224 |
| Average earning assets | $325,318,400 | 2,206 |
| Average equity | $36,583,400 | 2,220 |
| Average total loans | $307,445,600 | 1,675 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6949% | 490 |
| Cost of funding earning assets | 0.4208% | 1,547 |
| Net interest margin | 4.2741% | 477 |
| Noninterest income to average assets | 0.7734% | 1,604 |
| Noninterest expense to average assets | 2.5673% | 1,934 |
| Loan and lease loss provision to assets | 0.6946% | 67 |
| Net operating income to assets | 1.1191% | 2,485 |
| Return on assets (ROA) | 1.1191% | 2,539 |
| Pretax return on assets | 1.5452% | 1,862 |
| Return on Equity (ROE) | 10.6711% | 2,490 |
| Retained earnings to average equity (ytd only) | 10.1180% | 1,280 |
| Net charge-offs to loans | 0.2505% | 329 |
| Credit loss provision to net charge-offs | 312.3478% | 984 |
| Earnings coverage of net charge-offs (x) | 10.0730% | 2,049 |
| Efficiency ratio | 53.4068% | 3,883 |
| Assets per employee ($millions) | 7.7783% | 1,393 |
| Cash dividends to net income (ytd only)* | 5.1831% | 3,119 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5063% | 286 |
| Loan loss allowance to noncurrent loans | 12,382.5397% | 111 |
| Noncurrent assets plus other real estate owned to assets | 0.0193% | 4,072 |
| Noncurrent loans to loans | 0.0202% | 4,051 |
| Net loans and leases to total assets | 92.8884% | 6 |
| Net loans and leases to deposits | 122.3346% | 38 |
| Net loans and leases to core deposits | 127.8290% | 132 |
| Total domestic deposits to total assets | 75.9298% | 4,544 |
| Equity capital to assets | 11.4635% | 1,705 |
| Core capital (leverage) ratio | 11.5003% | 1,375 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5029% | 2,545 |
| Memoranda: | ||
| Average total assets | $344,792,000 | 2,246 |
| Average earning assets | $325,393,250 | 2,227 |
| Average equity | $36,159,000 | 2,269 |
| Average total loans | $306,012,250 | 1,708 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7426% | 503 |
| Cost of funding earning assets | 0.4738% | 1,360 |
| Net interest margin | 4.2689% | 516 |
| Noninterest income to average assets | 0.8483% | 1,397 |
| Noninterest expense to average assets | 2.5608% | 1,962 |
| Loan and lease loss provision to assets | 0.7229% | 56 |
| Net operating income to assets | 1.1345% | 2,418 |
| Return on assets (ROA) | 1.1345% | 2,482 |
| Pretax return on assets | 1.5711% | 1,815 |
| Return on Equity (ROE) | 11.1395% | 2,379 |
| Retained earnings to average equity (ytd only) | 11.1395% | 1,093 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.7478% | 3,956 |
| Assets per employee ($millions) | 8.0790% | 1,172 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6111% | 241 |
| Loan loss allowance to noncurrent loans | 772.4409% | 905 |
| Noncurrent assets plus other real estate owned to assets | 0.2994% | 2,425 |
| Noncurrent loans to loans | 0.3380% | 2,698 |
| Net loans and leases to total assets | 86.2640% | 78 |
| Net loans and leases to deposits | 115.5668% | 72 |
| Net loans and leases to core deposits | 120.8915% | 210 |
| Total domestic deposits to total assets | 74.6443% | 4,635 |
| Equity capital to assets | 10.8178% | 2,130 |
| Core capital (leverage) ratio | 11.1491% | 1,510 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9246% | 2,391 |
| Memoranda: | ||
| Average total assets | $350,826,000 | 2,204 |
| Average earning assets | $329,268,000 | 2,195 |
| Average equity | $35,728,667 | 2,279 |
| Average total loans | $304,263,667 | 1,720 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5738% | 697 |
| Cost of funding earning assets | 0.4935% | 1,429 |
| Net interest margin | 4.0803% | 748 |
| Noninterest income to average assets | 0.9053% | 1,312 |
| Noninterest expense to average assets | 2.5105% | 2,149 |
| Loan and lease loss provision to assets | 0.7650% | 66 |
| Net operating income to assets | 1.0376% | 2,680 |
| Return on assets (ROA) | 1.0376% | 2,759 |
| Pretax return on assets | 1.4235% | 2,214 |
| Return on Equity (ROE) | 10.4996% | 2,531 |
| Retained earnings to average equity (ytd only) | 10.4996% | 1,514 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.4256% | 3,860 |
| Assets per employee ($millions) | 8.6740% | 922 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3094% | 358 |
| Loan loss allowance to noncurrent loans | 728.3852% | 868 |
| Noncurrent assets plus other real estate owned to assets | 0.2874% | 2,709 |
| Noncurrent loans to loans | 0.3171% | 2,965 |
| Net loans and leases to total assets | 88.5362% | 37 |
| Net loans and leases to deposits | 119.4779% | 70 |
| Net loans and leases to core deposits | 125.0737% | 195 |
| Total domestic deposits to total assets | 74.1026% | 4,665 |
| Equity capital to assets | 10.2830% | 2,447 |
| Core capital (leverage) ratio | 10.4987% | 2,085 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5780% | 2,454 |
| Memoranda: | ||
| Average total assets | $356,579,000 | 2,154 |
| Average earning assets | $331,542,000 | 2,170 |
| Average equity | $35,239,500 | 2,292 |
| Average total loans | $306,116,000 | 1,715 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6583% | 971 |
| Cost of funding earning assets | 0.8699% | 950 |
| Net interest margin | 3.7884% | 1,536 |
| Noninterest income to average assets | 1.3171% | 667 |
| Noninterest expense to average assets | 2.6297% | 2,452 |
| Loan and lease loss provision to assets | 0.5850% | 354 |
| Net operating income to assets | 1.2166% | 1,492 |
| Return on assets (ROA) | 1.2166% | 1,612 |
| Pretax return on assets | 1.6729% | 898 |
| Return on Equity (ROE) | 13.0201% | 1,038 |
| Retained earnings to average equity (ytd only) | 13.0201% | 241 |
| Net charge-offs to loans | -0.0010% | 3,942 |
| Credit loss provision to net charge-offs | -68,233.3333% | 4,508 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.8034% | 4,235 |
| Assets per employee ($millions) | 8.9316% | 759 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2097% | 400 |
| Loan loss allowance to noncurrent loans | 330.6533% | 1,615 |
| Noncurrent assets plus other real estate owned to assets | 0.5434% | 1,926 |
| Noncurrent loans to loans | 0.6683% | 2,015 |
| Net loans and leases to total assets | 79.5211% | 458 |
| Net loans and leases to deposits | 108.2873% | 184 |
| Net loans and leases to core deposits | 113.7685% | 414 |
| Total domestic deposits to total assets | 73.4353% | 4,661 |
| Equity capital to assets | 9.5034% | 3,608 |
| Core capital (leverage) ratio | 10.1553% | 2,458 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3070% | 2,516 |
| Memoranda: | ||
| Average total assets | $349,922,400 | 2,055 |
| Average earning assets | $329,799,600 | 2,026 |
| Average equity | $32,695,600 | 2,348 |
| Average total loans | $302,538,200 | 1,674 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5464% | 1,461 |
| Cost of funding earning assets | 0.9790% | 820 |
| Net interest margin | 3.5674% | 2,366 |
| Noninterest income to average assets | 1.2598% | 688 |
| Noninterest expense to average assets | 2.6365% | 2,429 |
| Loan and lease loss provision to assets | 0.3493% | 1,084 |
| Net operating income to assets | 1.2171% | 1,588 |
| Return on assets (ROA) | 1.2171% | 1,710 |
| Pretax return on assets | 1.6735% | 1,017 |
| Return on Equity (ROE) | 13.0846% | 1,085 |
| Retained earnings to average equity (ytd only) | 13.0846% | 324 |
| Net charge-offs to loans | -0.0246% | 4,471 |
| Credit loss provision to net charge-offs | -1,617.8571% | 4,031 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.5861% | 3,851 |
| Assets per employee ($millions) | 8.7965% | 749 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7065% | 885 |
| Loan loss allowance to noncurrent loans | 186.2326% | 2,334 |
| Noncurrent assets plus other real estate owned to assets | 0.7982% | 1,444 |
| Noncurrent loans to loans | 0.9163% | 1,629 |
| Net loans and leases to total assets | 85.6237% | 169 |
| Net loans and leases to deposits | 119.7391% | 114 |
| Net loans and leases to core deposits | 125.0880% | 322 |
| Total domestic deposits to total assets | 71.5085% | 4,702 |
| Equity capital to assets | 9.2204% | 3,937 |
| Core capital (leverage) ratio | 9.6194% | 3,137 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7728% | 2,696 |
| Memoranda: | ||
| Average total assets | $345,853,750 | 2,047 |
| Average earning assets | $329,572,000 | 2,011 |
| Average equity | $32,169,250 | 2,365 |
| Average total loans | $303,726,750 | 1,665 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5328% | 1,820 |
| Cost of funding earning assets | 1.1466% | 615 |
| Net interest margin | 3.3862% | 3,146 |
| Noninterest income to average assets | 1.0995% | 822 |
| Noninterest expense to average assets | 2.6800% | 2,447 |
| Loan and lease loss provision to assets | 0.1746% | 2,269 |
| Net operating income to assets | 1.0645% | 2,097 |
| Return on assets (ROA) | 1.0645% | 2,218 |
| Pretax return on assets | 1.4657% | 1,538 |
| Return on Equity (ROE) | 11.4087% | 1,508 |
| Retained earnings to average equity (ytd only) | 11.4087% | 548 |
| Net charge-offs to loans | -0.0322% | 4,567 |
| Credit loss provision to net charge-offs | -614.5833% | 3,651 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0326% | 3,120 |
| Assets per employee ($millions) | 9.3237% | 619 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4904% | 1,292 |
| Loan loss allowance to noncurrent loans | 85.6892% | 3,437 |
| Noncurrent assets plus other real estate owned to assets | 1.4879% | 627 |
| Noncurrent loans to loans | 1.7393% | 822 |
| Net loans and leases to total assets | 84.2732% | 231 |
| Net loans and leases to deposits | 116.0431% | 127 |
| Net loans and leases to core deposits | 121.9500% | 378 |
| Total domestic deposits to total assets | 72.6224% | 4,679 |
| Equity capital to assets | 8.5507% | 4,447 |
| Core capital (leverage) ratio | 9.4208% | 3,450 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1302% | 2,931 |
| Memoranda: | ||
| Average total assets | $337,986,667 | 2,060 |
| Average earning assets | $321,479,000 | 2,019 |
| Average equity | $31,537,333 | 2,387 |
| Average total loans | $297,691,667 | 1,674 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8560% | 1,299 |
| Cost of funding earning assets | 1.4182% | 364 |
| Net interest margin | 3.4378% | 3,192 |
| Noninterest income to average assets | 0.5180% | 2,455 |
| Noninterest expense to average assets | 2.6760% | 2,766 |
| Loan and lease loss provision to assets | 0.1874% | 1,596 |
| Net operating income to assets | 0.6611% | 3,403 |
| Return on assets (ROA) | 0.6611% | 3,466 |
| Pretax return on assets | 0.9118% | 3,107 |
| Return on Equity (ROE) | 6.7436% | 3,049 |
| Retained earnings to average equity (ytd only) | 6.7436% | 1,631 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8823% | 2,236 |
| Assets per employee ($millions) | 8.2445% | 674 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6447% | 965 |
| Loan loss allowance to noncurrent loans | 96.6935% | 3,282 |
| Noncurrent assets plus other real estate owned to assets | 1.5050% | 708 |
| Noncurrent loans to loans | 1.7009% | 890 |
| Net loans and leases to total assets | 87.0238% | 96 |
| Net loans and leases to deposits | 111.5122% | 166 |
| Net loans and leases to core deposits | 120.0740% | 462 |
| Total domestic deposits to total assets | 78.0397% | 4,215 |
| Equity capital to assets | 9.7097% | 4,031 |
| Core capital (leverage) ratio | 9.8517% | 3,608 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7193% | 3,178 |
| Memoranda: | ||
| Average total assets | $315,844,000 | 2,121 |
| Average earning assets | $299,261,500 | 2,082 |
| Average equity | $30,962,500 | 2,405 |
| Average total loans | $283,024,000 | 1,699 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1393% | 1,134 |
| Cost of funding earning assets | 1.5968% | 305 |
| Net interest margin | 3.5425% | 3,308 |
| Noninterest income to average assets | 0.5955% | 2,247 |
| Noninterest expense to average assets | 3.0563% | 1,859 |
| Loan and lease loss provision to assets | 0.6902% | 162 |
| Net operating income to assets | 0.1571% | 4,879 |
| Return on assets (ROA) | 0.1571% | 4,902 |
| Pretax return on assets | 0.2191% | 4,873 |
| Return on Equity (ROE) | 1.5759% | 4,849 |
| Retained earnings to average equity (ytd only) | 1.5759% | 4,174 |
| Net charge-offs to loans | 0.0637% | 2,189 |
| Credit loss provision to net charge-offs | 1,220.4819% | 281 |
| Earnings coverage of net charge-offs (x) | 16.0783% | 2,195 |
| Efficiency ratio | 77.0704% | 1,260 |
| Assets per employee ($millions) | 7.9526% | 730 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6089% | 958 |
| Loan loss allowance to noncurrent loans | 106.5882% | 3,174 |
| Noncurrent assets plus other real estate owned to assets | 1.3703% | 773 |
| Noncurrent loans to loans | 1.5095% | 952 |
| Net loans and leases to total assets | 89.3195% | 58 |
| Net loans and leases to deposits | 113.6344% | 132 |
| Net loans and leases to core deposits | 125.5675% | 355 |
| Total domestic deposits to total assets | 78.6025% | 4,255 |
| Equity capital to assets | 9.9000% | 4,010 |
| Core capital (leverage) ratio | 9.4117% | 4,156 |
| Tier 1 risk-based capital ratio | 10.4936% | 5,024 |
| Total risk-based capital ratio | 11.7473% | 4,946 |
| Memoranda: | ||
| Average total assets | $293,526,600 | 2,198 |
| Average earning assets | $279,238,600 | 2,150 |
| Average equity | $29,253,400 | 2,435 |
| Average total loans | $260,725,800 | 1,773 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0980% | 1,287 |
| Cost of funding earning assets | 1.5296% | 378 |
| Net interest margin | 3.5684% | 3,339 |
| Noninterest income to average assets | 0.6105% | 2,151 |
| Noninterest expense to average assets | 3.1037% | 1,705 |
| Loan and lease loss provision to assets | 0.1663% | 1,123 |
| Net operating income to assets | 0.5944% | 4,310 |
| Return on assets (ROA) | 0.5944% | 4,362 |
| Pretax return on assets | 0.7533% | 4,234 |
| Return on Equity (ROE) | 5.9534% | 4,058 |
| Retained earnings to average equity (ytd only) | 5.9534% | 2,391 |
| Net charge-offs to loans | 0.0866% | 1,615 |
| Credit loss provision to net charge-offs | 217.4699% | 1,231 |
| Earnings coverage of net charge-offs (x) | 12.0240% | 2,397 |
| Efficiency ratio | 77.1415% | 1,199 |
| Assets per employee ($millions) | 8.0605% | 678 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0325% | 3,381 |
| Loan loss allowance to noncurrent loans | 145.5561% | 2,665 |
| Noncurrent assets plus other real estate owned to assets | 0.6264% | 2,124 |
| Noncurrent loans to loans | 0.7094% | 2,187 |
| Net loans and leases to total assets | 87.3848% | 124 |
| Net loans and leases to deposits | 112.9290% | 158 |
| Net loans and leases to core deposits | 124.9447% | 389 |
| Total domestic deposits to total assets | 77.3802% | 4,459 |
| Equity capital to assets | 10.0392% | 3,977 |
| Core capital (leverage) ratio | 10.2834% | 3,321 |
| Tier 1 risk-based capital ratio | 11.2950% | 4,762 |
| Total risk-based capital ratio | 12.3264% | 4,767 |
| Memoranda: | ||
| Average total assets | $289,370,000 | 2,237 |
| Average earning assets | $276,754,000 | 2,180 |
| Average equity | $28,890,500 | 2,468 |
| Average total loans | $255,518,000 | 1,810 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1258% | 1,158 |
| Cost of funding earning assets | 1.4570% | 439 |
| Net interest margin | 3.6688% | 3,035 |
| Noninterest income to average assets | 0.5231% | 2,552 |
| Noninterest expense to average assets | 3.1319% | 1,656 |
| Loan and lease loss provision to assets | 0.1644% | 1,107 |
| Net operating income to assets | 0.5359% | 4,450 |
| Return on assets (ROA) | 0.5359% | 4,480 |
| Pretax return on assets | 0.7408% | 4,239 |
| Return on Equity (ROE) | 5.3784% | 4,243 |
| Retained earnings to average equity (ytd only) | 5.3784% | 2,584 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5780% | 1,208 |
| Assets per employee ($millions) | 6.8788% | 1,056 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1213% | 2,950 |
| Loan loss allowance to noncurrent loans | 14,510.0000% | 59 |
| Noncurrent assets plus other real estate owned to assets | 0.0069% | 4,774 |
| Noncurrent loans to loans | 0.0077% | 4,692 |
| Net loans and leases to total assets | 88.5746% | 90 |
| Net loans and leases to deposits | 112.4093% | 179 |
| Net loans and leases to core deposits | 125.2642% | 408 |
| Total domestic deposits to total assets | 78.7965% | 4,255 |
| Equity capital to assets | 10.2122% | 3,786 |
| Core capital (leverage) ratio | 10.3332% | 3,258 |
| Tier 1 risk-based capital ratio | 11.0304% | 4,894 |
| Total risk-based capital ratio | 12.1210% | 4,883 |
| Memoranda: | ||
| Average total assets | $281,040,670 | 2,290 |
| Average earning assets | $269,188,000 | 2,235 |
| Average equity | $28,001,000 | 2,511 |
| Average total loans | $248,168,330 | 1,856 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0752% | 1,151 |
| Cost of funding earning assets | 1.3781% | 496 |
| Net interest margin | 3.6971% | 2,905 |
| Noninterest income to average assets | 0.4186% | 3,062 |
| Noninterest expense to average assets | 3.1295% | 1,658 |
| Loan and lease loss provision to assets | 0.2541% | 567 |
| Net operating income to assets | 0.4157% | 4,698 |
| Return on assets (ROA) | 0.4157% | 4,711 |
| Pretax return on assets | 0.5745% | 4,562 |
| Return on Equity (ROE) | 4.2276% | 4,527 |
| Retained earnings to average equity (ytd only) | 4.2276% | 3,229 |
| Net charge-offs to loans | -0.0033% | 3,935 |
| Credit loss provision to net charge-offs | -8,800.0000% | 4,235 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.0664% | 1,154 |
| Assets per employee ($millions) | 6.4851% | 1,248 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1671% | 2,761 |
| Loan loss allowance to noncurrent loans | 14,240.0000% | 54 |
| Noncurrent assets plus other real estate owned to assets | 0.0073% | 4,843 |
| Noncurrent loans to loans | 0.0082% | 4,757 |
| Net loans and leases to total assets | 88.5499% | 83 |
| Net loans and leases to deposits | 112.7944% | 165 |
| Net loans and leases to core deposits | 127.0872% | 357 |
| Total domestic deposits to total assets | 78.5056% | 4,434 |
| Equity capital to assets | 10.2547% | 3,571 |
| Core capital (leverage) ratio | 10.2495% | 3,328 |
| Tier 1 risk-based capital ratio | 11.3323% | 4,820 |
| Total risk-based capital ratio | 12.4896% | 4,779 |
| Memoranda: | ||
| Average total assets | $277,106,000 | 2,326 |
| Average earning assets | $265,292,500 | 2,280 |
| Average equity | $27,249,500 | 2,556 |
| Average total loans | $242,851,000 | 1,899 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6513% | 1,986 |
| Cost of funding earning assets | 1.2104% | 325 |
| Net interest margin | 3.4409% | 3,879 |
| Noninterest income to average assets | 0.5159% | 2,744 |
| Noninterest expense to average assets | 2.8703% | 2,454 |
| Loan and lease loss provision to assets | 0.0945% | 2,262 |
| Net operating income to assets | 0.6417% | 4,310 |
| Return on assets (ROA) | 0.6417% | 4,315 |
| Pretax return on assets | 0.8575% | 4,020 |
| Return on Equity (ROE) | 6.7569% | 3,907 |
| Retained earnings to average equity (ytd only) | 6.7569% | 1,780 |
| Net charge-offs to loans | -0.1374% | 5,211 |
| Credit loss provision to net charge-offs | -82.2006% | 4,378 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0925% | 1,480 |
| Assets per employee ($millions) | 6.5544% | 1,193 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1048% | 3,070 |
| Loan loss allowance to noncurrent loans | 12,136.3636% | 71 |
| Noncurrent assets plus other real estate owned to assets | 0.0078% | 4,873 |
| Noncurrent loans to loans | 0.0091% | 4,769 |
| Net loans and leases to total assets | 84.7995% | 333 |
| Net loans and leases to deposits | 104.8333% | 435 |
| Net loans and leases to core deposits | 117.4351% | 639 |
| Total domestic deposits to total assets | 80.8898% | 3,917 |
| Equity capital to assets | 9.4267% | 4,190 |
| Core capital (leverage) ratio | 9.8845% | 3,709 |
| Tier 1 risk-based capital ratio | 10.9088% | 5,014 |
| Total risk-based capital ratio | 12.0039% | 4,982 |
| Memoranda: | ||
| Average total assets | $268,681,200 | 2,345 |
| Average earning assets | $258,186,400 | 2,276 |
| Average equity | $25,514,600 | 2,605 |
| Average total loans | $224,914,200 | 1,989 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5947% | 1,988 |
| Cost of funding earning assets | 1.1817% | 278 |
| Net interest margin | 3.4130% | 3,964 |
| Noninterest income to average assets | 0.4989% | 2,876 |
| Noninterest expense to average assets | 2.7782% | 2,713 |
| Loan and lease loss provision to assets | 0.1050% | 1,912 |
| Net operating income to assets | 0.6807% | 4,287 |
| Return on assets (ROA) | 0.6807% | 4,299 |
| Pretax return on assets | 0.9023% | 4,013 |
| Return on Equity (ROE) | 7.1546% | 3,875 |
| Retained earnings to average equity (ytd only) | 7.1546% | 2,045 |
| Net charge-offs to loans | -0.1867% | 5,288 |
| Credit loss provision to net charge-offs | -67.6375% | 4,192 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3908% | 1,675 |
| Assets per employee ($millions) | 6.6732% | 1,103 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1885% | 2,688 |
| Loan loss allowance to noncurrent loans | 11,931.8182% | 73 |
| Noncurrent assets plus other real estate owned to assets | 0.0078% | 4,979 |
| Noncurrent loans to loans | 0.0100% | 4,884 |
| Net loans and leases to total assets | 77.8690% | 1,362 |
| Net loans and leases to deposits | 94.3004% | 1,350 |
| Net loans and leases to core deposits | 105.6247% | 1,340 |
| Total domestic deposits to total assets | 82.5754% | 3,442 |
| Equity capital to assets | 9.3372% | 4,238 |
| Core capital (leverage) ratio | 9.4135% | 4,262 |
| Tier 1 risk-based capital ratio | 11.5795% | 4,748 |
| Total risk-based capital ratio | 12.7383% | 4,681 |
| Memoranda: | ||
| Average total assets | $265,391,750 | 2,379 |
| Average earning assets | $255,565,000 | 2,308 |
| Average equity | $25,251,250 | 2,639 |
| Average total loans | $220,725,750 | 2,024 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5122% | 2,055 |
| Cost of funding earning assets | 1.1241% | 262 |
| Net interest margin | 3.3881% | 3,992 |
| Noninterest income to average assets | 0.4577% | 3,107 |
| Noninterest expense to average assets | 2.7286% | 2,914 |
| Loan and lease loss provision to assets | 0.1605% | 1,159 |
| Net operating income to assets | 0.6443% | 4,364 |
| Return on assets (ROA) | 0.6443% | 4,373 |
| Pretax return on assets | 0.8371% | 4,144 |
| Return on Equity (ROE) | 6.7268% | 3,981 |
| Retained earnings to average equity (ytd only) | 6.7268% | 2,200 |
| Net charge-offs to loans | -0.2810% | 5,378 |
| Credit loss provision to net charge-offs | -67.4194% | 4,040 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2275% | 1,812 |
| Assets per employee ($millions) | 7.3363% | 814 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1868% | 2,804 |
| Loan loss allowance to noncurrent loans | 131,300.0000% | 3 |
| Noncurrent assets plus other real estate owned to assets | 0.0007% | 5,072 |
| Noncurrent loans to loans | 0.0009% | 4,976 |
| Net loans and leases to total assets | 80.5503% | 938 |
| Net loans and leases to deposits | 98.4573% | 933 |
| Net loans and leases to core deposits | 128.9257% | 352 |
| Total domestic deposits to total assets | 81.8125% | 3,780 |
| Equity capital to assets | 9.4583% | 4,149 |
| Core capital (leverage) ratio | 9.7077% | 3,873 |
| Tier 1 risk-based capital ratio | 11.6418% | 4,723 |
| Total risk-based capital ratio | 12.8307% | 4,632 |
| Memoranda: | ||
| Average total assets | $260,430,330 | 2,417 |
| Average earning assets | $251,231,670 | 2,347 |
| Average equity | $24,945,000 | 2,670 |
| Average total loans | $220,676,670 | 2,025 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4413% | 2,050 |
| Cost of funding earning assets | 1.0240% | 329 |
| Net interest margin | 3.4173% | 3,829 |
| Noninterest income to average assets | 0.3452% | 3,838 |
| Noninterest expense to average assets | 2.5419% | 3,525 |
| Loan and lease loss provision to assets | 0.2197% | 718 |
| Net operating income to assets | 0.6935% | 4,119 |
| Return on assets (ROA) | 0.6935% | 4,129 |
| Pretax return on assets | 0.8771% | 3,921 |
| Return on Equity (ROE) | 7.1927% | 3,703 |
| Retained earnings to average equity (ytd only) | 7.1927% | 2,185 |
| Net charge-offs to loans | -0.7206% | 5,520 |
| Credit loss provision to net charge-offs | -35.2645% | 3,597 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8577% | 2,503 |
| Assets per employee ($millions) | 7.7449% | 695 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1693% | 2,980 |
| Loan loss allowance to noncurrent loans | 8,813.3333% | 106 |
| Noncurrent assets plus other real estate owned to assets | 0.0114% | 5,068 |
| Noncurrent loans to loans | 0.0133% | 4,938 |
| Net loans and leases to total assets | 84.8660% | 352 |
| Net loans and leases to deposits | 104.6652% | 448 |
| Net loans and leases to core deposits | 136.6859% | 248 |
| Total domestic deposits to total assets | 81.0833% | 4,176 |
| Equity capital to assets | 9.5994% | 3,995 |
| Core capital (leverage) ratio | 10.1498% | 3,360 |
| Tier 1 risk-based capital ratio | 11.6956% | 4,744 |
| Total risk-based capital ratio | 12.9170% | 4,653 |
| Memoranda: | ||
| Average total assets | $254,923,500 | 2,484 |
| Average earning assets | $245,693,500 | 2,415 |
| Average equity | $24,580,500 | 2,718 |
| Average total loans | $220,377,500 | 2,036 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5152% | 1,665 |
| Cost of funding earning assets | 0.9175% | 343 |
| Net interest margin | 3.5978% | 3,174 |
| Noninterest income to average assets | 0.5457% | 2,745 |
| Noninterest expense to average assets | 2.6833% | 3,186 |
| Loan and lease loss provision to assets | 0.5618% | 230 |
| Net operating income to assets | 0.4891% | 4,400 |
| Return on assets (ROA) | 0.4891% | 4,435 |
| Pretax return on assets | 0.7586% | 4,367 |
| Return on Equity (ROE) | 5.1188% | 4,113 |
| Retained earnings to average equity (ytd only) | 5.1188% | 2,052 |
| Net charge-offs to loans | 0.9881% | 184 |
| Credit loss provision to net charge-offs | 66.8690% | 3,133 |
| Earnings coverage of net charge-offs (x) | 1.5716% | 3,870 |
| Efficiency ratio | 67.0205% | 3,076 |
| Assets per employee ($millions) | 7.4769% | 778 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8419% | 4,691 |
| Loan loss allowance to noncurrent loans | 6,023.3333% | 155 |
| Noncurrent assets plus other real estate owned to assets | 0.0122% | 5,105 |
| Noncurrent loans to loans | 0.0140% | 4,970 |
| Net loans and leases to total assets | 86.2570% | 237 |
| Net loans and leases to deposits | 102.1654% | 592 |
| Net loans and leases to core deposits | 128.9374% | 366 |
| Total domestic deposits to total assets | 84.4288% | 3,062 |
| Equity capital to assets | 9.7679% | 3,948 |
| Core capital (leverage) ratio | 9.8427% | 3,645 |
| Tier 1 risk-based capital ratio | 11.5015% | 4,849 |
| Total risk-based capital ratio | 12.3641% | 4,965 |
| Memoranda: | ||
| Average total assets | $235,307,800 | 2,603 |
| Average earning assets | $226,169,000 | 2,536 |
| Average equity | $22,485,600 | 2,906 |
| Average total loans | $200,073,400 | 2,155 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5394% | 1,530 |
| Cost of funding earning assets | 0.8901% | 371 |
| Net interest margin | 3.6493% | 2,955 |
| Noninterest income to average assets | 0.5340% | 2,812 |
| Noninterest expense to average assets | 2.6414% | 3,281 |
| Loan and lease loss provision to assets | 0.1721% | 1,170 |
| Net operating income to assets | 0.7623% | 3,682 |
| Return on assets (ROA) | 0.7623% | 3,743 |
| Pretax return on assets | 1.2338% | 2,773 |
| Return on Equity (ROE) | 8.0245% | 3,114 |
| Retained earnings to average equity (ytd only) | 8.0245% | 1,212 |
| Net charge-offs to loans | 0.0176% | 3,148 |
| Credit loss provision to net charge-offs | 1,153.8462% | 315 |
| Earnings coverage of net charge-offs (x) | 94.2579% | 720 |
| Efficiency ratio | 65.2636% | 3,331 |
| Assets per employee ($millions) | 8.5535% | 512 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3472% | 2,132 |
| Loan loss allowance to noncurrent loans | 9,120.0000% | 97 |
| Noncurrent assets plus other real estate owned to assets | 0.0125% | 5,196 |
| Noncurrent loans to loans | 0.0148% | 5,078 |
| Net loans and leases to total assets | 83.6533% | 472 |
| Net loans and leases to deposits | 99.6469% | 768 |
| Net loans and leases to core deposits | 125.1283% | 431 |
| Total domestic deposits to total assets | 83.9498% | 3,145 |
| Equity capital to assets | 9.5036% | 4,442 |
| Core capital (leverage) ratio | 9.4330% | 4,250 |
| Tier 1 risk-based capital ratio | 11.4787% | 4,972 |
| Total risk-based capital ratio | 12.7300% | 4,867 |
| Memoranda: | ||
| Average total assets | $232,450,500 | 2,643 |
| Average earning assets | $223,781,750 | 2,576 |
| Average equity | $22,081,750 | 2,968 |
| Average total loans | $196,433,000 | 2,195 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5062% | 1,500 |
| Cost of funding earning assets | 0.8574% | 390 |
| Net interest margin | 3.6488% | 2,846 |
| Noninterest income to average assets | 0.5102% | 2,961 |
| Noninterest expense to average assets | 2.6554% | 3,247 |
| Loan and lease loss provision to assets | 0.1712% | 1,138 |
| Net operating income to assets | 0.7640% | 3,573 |
| Return on assets (ROA) | 0.7640% | 3,619 |
| Pretax return on assets | 1.1977% | 2,782 |
| Return on Equity (ROE) | 8.0438% | 3,007 |
| Retained earnings to average equity (ytd only) | 8.0438% | 1,148 |
| Net charge-offs to loans | 0.0021% | 3,443 |
| Credit loss provision to net charge-offs | 9,850.0000% | 35 |
| Earnings coverage of net charge-offs (x) | 787.5000% | 94 |
| Efficiency ratio | 65.9827% | 3,357 |
| Assets per employee ($millions) | 8.4472% | 518 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3421% | 2,215 |
| Loan loss allowance to noncurrent loans | 5,013.2075% | 140 |
| Noncurrent assets plus other real estate owned to assets | 0.0224% | 5,182 |
| Noncurrent loans to loans | 0.0268% | 5,054 |
| Net loans and leases to total assets | 82.5784% | 599 |
| Net loans and leases to deposits | 98.1512% | 884 |
| Net loans and leases to core deposits | 126.3061% | 387 |
| Total domestic deposits to total assets | 84.1338% | 3,145 |
| Equity capital to assets | 9.4368% | 4,474 |
| Core capital (leverage) ratio | 9.5395% | 4,088 |
| Tier 1 risk-based capital ratio | 11.6517% | 4,862 |
| Total risk-based capital ratio | 12.9031% | 4,747 |
| Memoranda: | ||
| Average total assets | $230,101,330 | 2,682 |
| Average earning assets | $221,608,000 | 2,606 |
| Average equity | $21,855,330 | 2,989 |
| Average total loans | $194,216,000 | 2,222 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7168% | 912 |
| Cost of funding earning assets | 0.7922% | 511 |
| Net interest margin | 3.9246% | 1,696 |
| Noninterest income to average assets | 0.5024% | 2,965 |
| Noninterest expense to average assets | 2.7573% | 2,934 |
| Loan and lease loss provision to assets | 0.3032% | 441 |
| Net operating income to assets | 0.8057% | 3,196 |
| Return on assets (ROA) | 0.8057% | 3,258 |
| Pretax return on assets | 1.2499% | 2,414 |
| Return on Equity (ROE) | 8.4540% | 2,695 |
| Retained earnings to average equity (ytd only) | 8.4540% | 1,290 |
| Net charge-offs to loans | 0.0021% | 2,893 |
| Credit loss provision to net charge-offs | 17,200.0000% | 14 |
| Earnings coverage of net charge-offs (x) | 881.0000% | 51 |
| Efficiency ratio | 63.9673% | 3,843 |
| Assets per employee ($millions) | 8.7572% | 459 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3883% | 2,123 |
| Loan loss allowance to noncurrent loans | 4,967.9245% | 169 |
| Noncurrent assets plus other real estate owned to assets | 0.0224% | 5,243 |
| Noncurrent loans to loans | 0.0279% | 5,104 |
| Net loans and leases to total assets | 79.0992% | 967 |
| Net loans and leases to deposits | 94.1788% | 1,088 |
| Net loans and leases to core deposits | 131.9910% | 234 |
| Total domestic deposits to total assets | 83.9882% | 3,485 |
| Equity capital to assets | 9.2440% | 4,573 |
| Core capital (leverage) ratio | 9.7119% | 3,861 |
| Tier 1 risk-based capital ratio | 11.6977% | 4,911 |
| Total risk-based capital ratio | 12.9495% | 4,812 |
| Memoranda: | ||
| Average total assets | $226,891,000 | 2,733 |
| Average earning assets | $220,148,000 | 2,639 |
| Average equity | $21,623,000 | 3,015 |
| Average total loans | $192,337,500 | 2,252 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3272% | 2,054 |
| Cost of funding earning assets | 0.7798% | 553 |
| Net interest margin | 3.5474% | 3,257 |
| Noninterest income to average assets | 0.7121% | 2,120 |
| Noninterest expense to average assets | 2.7485% | 3,197 |
| Loan and lease loss provision to assets | 0.2395% | 891 |
| Net operating income to assets | 0.7062% | 3,753 |
| Return on assets (ROA) | 0.7062% | 3,865 |
| Pretax return on assets | 1.1063% | 3,077 |
| Return on Equity (ROE) | 7.3647% | 3,288 |
| Retained earnings to average equity (ytd only) | 7.3647% | 1,092 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1292% | 3,412 |
| Assets per employee ($millions) | 8.6935% | 464 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2625% | 2,747 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 88.5970% | 111 |
| Net loans and leases to deposits | 107.1071% | 298 |
| Net loans and leases to core deposits | 140.0383% | 174 |
| Total domestic deposits to total assets | 82.7181% | 3,851 |
| Equity capital to assets | 9.8414% | 3,895 |
| Core capital (leverage) ratio | 10.0274% | 3,453 |
| Tier 1 risk-based capital ratio | 11.2193% | 5,209 |
| Total risk-based capital ratio | 12.4695% | 5,106 |
| Memoranda: | ||
| Average total assets | $204,185,200 | 2,908 |
| Average earning assets | $194,676,400 | 2,856 |
| Average equity | $19,579,800 | 3,210 |
| Average total loans | $174,728,000 | 2,362 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2667% | 2,268 |
| Cost of funding earning assets | 0.7878% | 540 |
| Net interest margin | 3.4788% | 3,547 |
| Noninterest income to average assets | 0.6862% | 2,233 |
| Noninterest expense to average assets | 2.7323% | 3,246 |
| Loan and lease loss provision to assets | 0.2011% | 1,048 |
| Net operating income to assets | 0.6677% | 4,009 |
| Return on assets (ROA) | 0.6677% | 4,133 |
| Pretax return on assets | 1.0526% | 3,420 |
| Return on Equity (ROE) | 7.0124% | 3,555 |
| Retained earnings to average equity (ytd only) | 7.0124% | 1,625 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5481% | 3,130 |
| Assets per employee ($millions) | 7.7768% | 646 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2847% | 2,770 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0005% | 5,552 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 83.2879% | 480 |
| Net loans and leases to deposits | 98.7236% | 796 |
| Net loans and leases to core deposits | 133.5678% | 252 |
| Total domestic deposits to total assets | 84.3647% | 3,077 |
| Equity capital to assets | 9.5869% | 4,569 |
| Core capital (leverage) ratio | 9.8948% | 3,702 |
| Tier 1 risk-based capital ratio | 11.5025% | 5,084 |
| Total risk-based capital ratio | 12.7531% | 4,996 |
| Memoranda: | ||
| Average total assets | $200,897,250 | 2,954 |
| Average earning assets | $190,557,000 | 2,901 |
| Average equity | $19,127,500 | 3,276 |
| Average total loans | $169,656,000 | 2,422 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1865% | 2,556 |
| Cost of funding earning assets | 0.7856% | 530 |
| Net interest margin | 3.4009% | 3,887 |
| Noninterest income to average assets | 0.5691% | 2,799 |
| Noninterest expense to average assets | 2.7604% | 3,164 |
| Loan and lease loss provision to assets | 0.1617% | 1,400 |
| Net operating income to assets | 0.5670% | 4,411 |
| Return on assets (ROA) | 0.5670% | 4,537 |
| Pretax return on assets | 0.8895% | 3,993 |
| Return on Equity (ROE) | 5.9702% | 4,059 |
| Retained earnings to average equity (ytd only) | 5.9702% | 2,131 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4211% | 2,592 |
| Assets per employee ($millions) | 8.9187% | 405 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2294% | 3,192 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0005% | 5,647 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 83.5373% | 461 |
| Net loans and leases to deposits | 98.9257% | 794 |
| Net loans and leases to core deposits | 134.1378% | 250 |
| Total domestic deposits to total assets | 84.4446% | 3,109 |
| Equity capital to assets | 9.3535% | 4,918 |
| Core capital (leverage) ratio | 9.6962% | 3,932 |
| Tier 1 risk-based capital ratio | 11.0353% | 5,405 |
| Total risk-based capital ratio | 12.2650% | 5,337 |
| Memoranda: | ||
| Average total assets | $197,871,670 | 2,999 |
| Average earning assets | $188,653,330 | 2,944 |
| Average equity | $18,793,330 | 3,327 |
| Average total loans | $167,155,000 | 2,448 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1418% | 2,679 |
| Cost of funding earning assets | 0.7771% | 554 |
| Net interest margin | 3.3647% | 3,993 |
| Noninterest income to average assets | 0.4942% | 3,157 |
| Noninterest expense to average assets | 2.7594% | 3,213 |
| Loan and lease loss provision to assets | 0.1750% | 1,162 |
| Net operating income to assets | 0.4757% | 4,723 |
| Return on assets (ROA) | 0.4757% | 4,820 |
| Pretax return on assets | 0.7516% | 4,362 |
| Return on Equity (ROE) | 4.9687% | 4,498 |
| Retained earnings to average equity (ytd only) | 4.9687% | 2,964 |
| Net charge-offs to loans | 0.0024% | 3,040 |
| Credit loss provision to net charge-offs | 8,500.0000% | 37 |
| Earnings coverage of net charge-offs (x) | 450.0000% | 129 |
| Efficiency ratio | 74.8603% | 2,346 |
| Assets per employee ($millions) | 8.4184% | 488 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2577% | 3,132 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0005% | 5,693 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 83.4074% | 417 |
| Net loans and leases to deposits | 99.5285% | 659 |
| Net loans and leases to core deposits | 135.6653% | 214 |
| Total domestic deposits to total assets | 83.8025% | 3,596 |
| Equity capital to assets | 9.6683% | 4,484 |
| Core capital (leverage) ratio | 9.7963% | 3,786 |
| Tier 1 risk-based capital ratio | 11.9119% | 4,970 |
| Total risk-based capital ratio | 13.1622% | 4,879 |
| Memoranda: | ||
| Average total assets | $194,242,000 | 3,054 |
| Average earning assets | $184,266,500 | 3,003 |
| Average equity | $18,596,500 | 3,358 |
| Average total loans | $163,985,500 | 2,478 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2588% | 2,356 |
| Cost of funding earning assets | 0.7343% | 689 |
| Net interest margin | 3.5244% | 3,434 |
| Noninterest income to average assets | 0.5162% | 3,221 |
| Noninterest expense to average assets | 2.9088% | 2,830 |
| Loan and lease loss provision to assets | 0.2105% | 993 |
| Net operating income to assets | 0.4891% | 4,736 |
| Return on assets (ROA) | 0.4891% | 4,826 |
| Pretax return on assets | 0.7827% | 4,250 |
| Return on Equity (ROE) | 5.3044% | 4,373 |
| Retained earnings to average equity (ytd only) | 5.3044% | 2,211 |
| Net charge-offs to loans | -0.0040% | 4,941 |
| Credit loss provision to net charge-offs | -6,083.3333% | 5,743 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5455% | 2,496 |
| Assets per employee ($millions) | 8.4722% | 465 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2006% | 3,478 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 83.3640% | 442 |
| Net loans and leases to deposits | 99.0790% | 746 |
| Net loans and leases to core deposits | 139.6731% | 169 |
| Total domestic deposits to total assets | 84.1390% | 3,431 |
| Equity capital to assets | 9.4801% | 4,574 |
| Core capital (leverage) ratio | 9.8012% | 3,769 |
| Tier 1 risk-based capital ratio | 11.5286% | 5,237 |
| Total risk-based capital ratio | 12.7620% | 5,151 |
| Memoranda: | ||
| Average total assets | $173,371,200 | 3,256 |
| Average earning assets | $166,551,000 | 3,168 |
| Average equity | $15,986,600 | 3,676 |
| Average total loans | $148,459,600 | 2,619 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2922% | 2,257 |
| Cost of funding earning assets | 0.7132% | 783 |
| Net interest margin | 3.5790% | 3,241 |
| Noninterest income to average assets | 0.4809% | 3,496 |
| Noninterest expense to average assets | 3.0150% | 2,473 |
| Loan and lease loss provision to assets | 0.2214% | 847 |
| Net operating income to assets | 0.4309% | 5,046 |
| Return on assets (ROA) | 0.4309% | 5,133 |
| Pretax return on assets | 0.7095% | 4,652 |
| Return on Equity (ROE) | 4.7119% | 4,753 |
| Retained earnings to average equity (ytd only) | 4.7119% | 3,117 |
| Net charge-offs to loans | -0.0065% | 4,874 |
| Credit loss provision to net charge-offs | -3,985.7143% | 5,674 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4079% | 2,180 |
| Assets per employee ($millions) | 9.2098% | 348 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2363% | 3,451 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 77.9826% | 1,099 |
| Net loans and leases to deposits | 91.1207% | 1,511 |
| Net loans and leases to core deposits | 136.4852% | 199 |
| Total domestic deposits to total assets | 85.5816% | 2,747 |
| Equity capital to assets | 8.6259% | 5,625 |
| Core capital (leverage) ratio | 8.8951% | 5,125 |
| Tier 1 risk-based capital ratio | 11.3815% | 5,440 |
| Total risk-based capital ratio | 12.6314% | 5,350 |
| Memoranda: | ||
| Average total assets | $167,998,750 | 3,364 |
| Average earning assets | $162,648,500 | 3,244 |
| Average equity | $15,365,000 | 3,810 |
| Average total loans | $144,470,000 | 2,689 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4688% | 1,632 |
| Cost of funding earning assets | 0.6781% | 945 |
| Net interest margin | 3.7907% | 2,356 |
| Noninterest income to average assets | 0.4601% | 3,631 |
| Noninterest expense to average assets | 3.1869% | 2,017 |
| Loan and lease loss provision to assets | 0.3059% | 497 |
| Net operating income to assets | 0.3410% | 5,321 |
| Return on assets (ROA) | 0.3410% | 5,429 |
| Pretax return on assets | 0.6256% | 4,907 |
| Return on Equity (ROE) | 3.6447% | 5,161 |
| Retained earnings to average equity (ytd only) | 3.6447% | 3,704 |
| Net charge-offs to loans | -0.0099% | 4,921 |
| Credit loss provision to net charge-offs | -3,485.7143% | 5,549 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.3820% | 2,147 |
| Assets per employee ($millions) | 7.6773% | 615 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2167% | 3,689 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0629% | 5,612 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 85.1959% | 286 |
| Net loans and leases to deposits | 101.0092% | 592 |
| Net loans and leases to core deposits | 152.1666% | 99 |
| Total domestic deposits to total assets | 84.3447% | 3,423 |
| Equity capital to assets | 9.2899% | 4,905 |
| Core capital (leverage) ratio | 10.0135% | 3,576 |
| Tier 1 risk-based capital ratio | 11.3388% | 5,553 |
| Total risk-based capital ratio | 12.5887% | 5,481 |
| Memoranda: | ||
| Average total assets | $159,529,670 | 3,494 |
| Average earning assets | $153,957,670 | 3,390 |
| Average equity | $14,925,670 | 3,906 |
| Average total loans | $141,723,000 | 2,729 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4056% | 1,751 |
| Cost of funding earning assets | 0.6995% | 851 |
| Net interest margin | 3.7061% | 2,599 |
| Noninterest income to average assets | 0.5139% | 3,196 |
| Noninterest expense to average assets | 3.3933% | 1,503 |
| Loan and lease loss provision to assets | 0.2755% | 560 |
| Net operating income to assets | 0.2331% | 5,605 |
| Return on assets (ROA) | 0.2331% | 5,694 |
| Pretax return on assets | 0.4238% | 5,380 |
| Return on Equity (ROE) | 2.4812% | 5,541 |
| Retained earnings to average equity (ytd only) | 2.4812% | 4,446 |
| Net charge-offs to loans | -0.0117% | 4,790 |
| Credit loss provision to net charge-offs | -2,600.0000% | 5,175 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.9126% | 1,506 |
| Assets per employee ($millions) | 7.0460% | 837 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2303% | 3,784 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0716% | 5,650 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 88.5634% | 88 |
| Net loans and leases to deposits | 101.5031% | 484 |
| Net loans and leases to core deposits | 157.5394% | 82 |
| Total domestic deposits to total assets | 87.2519% | 2,236 |
| Equity capital to assets | 9.1819% | 5,112 |
| Core capital (leverage) ratio | 8.9496% | 5,014 |
| Tier 1 risk-based capital ratio | 11.0328% | 5,791 |
| Total risk-based capital ratio | 12.2838% | 5,718 |
| Memoranda: | ||
| Average total assets | $151,005,000 | 3,633 |
| Average earning assets | $145,814,500 | 3,538 |
| Average equity | $14,186,500 | 4,046 |
| Average total loans | $136,439,000 | 2,798 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7242% | 1,246 |
| Cost of funding earning assets | 0.6859% | 1,173 |
| Net interest margin | 4.0382% | 1,782 |
| Noninterest income to average assets | 0.2418% | 5,394 |
| Noninterest expense to average assets | 3.2936% | 1,947 |
| Loan and lease loss provision to assets | 0.1013% | 2,466 |
| Net operating income to assets | 0.4037% | 5,209 |
| Return on assets (ROA) | 0.4037% | 5,272 |
| Pretax return on assets | 0.7040% | 4,615 |
| Return on Equity (ROE) | 4.1202% | 5,064 |
| Retained earnings to average equity (ytd only) | 4.1202% | 3,273 |
| Net charge-offs to loans | 0.0806% | 3,339 |
| Credit loss provision to net charge-offs | 141.2371% | 1,679 |
| Earnings coverage of net charge-offs (x) | 11.2268% | 2,521 |
| Efficiency ratio | 80.3536% | 1,873 |
| Assets per employee ($millions) | 6.3913% | 1,125 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1965% | 4,022 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0755% | 5,730 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 89.9890% | 65 |
| Net loans and leases to deposits | 104.2518% | 426 |
| Net loans and leases to core deposits | 153.9911% | 98 |
| Total domestic deposits to total assets | 86.3190% | 2,660 |
| Equity capital to assets | 9.6191% | 4,566 |
| Core capital (leverage) ratio | 9.8120% | 3,822 |
| Tier 1 risk-based capital ratio | 11.3499% | 5,741 |
| Total risk-based capital ratio | 12.6002% | 5,658 |
| Memoranda: | ||
| Average total assets | $135,233,400 | 3,883 |
| Average earning assets | $129,165,000 | 3,785 |
| Average equity | $13,251,800 | 4,145 |
| Average total loans | $120,344,200 | 3,031 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7040% | 1,294 |
| Cost of funding earning assets | 0.6850% | 1,229 |
| Net interest margin | 4.0191% | 1,825 |
| Noninterest income to average assets | 0.2600% | 5,352 |
| Noninterest expense to average assets | 3.2574% | 2,002 |
| Loan and lease loss provision to assets | 0.1078% | 2,238 |
| Net operating income to assets | 0.4223% | 5,166 |
| Return on assets (ROA) | 0.4223% | 5,248 |
| Pretax return on assets | 0.7327% | 4,582 |
| Return on Equity (ROE) | 4.2875% | 5,044 |
| Retained earnings to average equity (ytd only) | 4.2875% | 3,598 |
| Net charge-offs to loans | 0.0068% | 4,466 |
| Credit loss provision to net charge-offs | 1,783.3333% | 202 |
| Earnings coverage of net charge-offs (x) | 138.9963% | 439 |
| Efficiency ratio | 79.4884% | 1,989 |
| Assets per employee ($millions) | 6.4112% | 1,071 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3360% | 3,465 |
| Loan loss allowance to noncurrent loans | 870.6806% | 637 |
| Noncurrent assets plus other real estate owned to assets | 0.1354% | 5,638 |
| Noncurrent loans to loans | 0.1534% | 5,447 |
| Net loans and leases to total assets | 87.0710% | 149 |
| Net loans and leases to deposits | 98.3928% | 710 |
| Net loans and leases to core deposits | 109.7801% | 753 |
| Total domestic deposits to total assets | 88.4932% | 1,503 |
| Equity capital to assets | 9.9300% | 4,257 |
| Core capital (leverage) ratio | 10.0439% | 3,614 |
| Tier 1 risk-based capital ratio | 11.4127% | 5,831 |
| Total risk-based capital ratio | 12.6476% | 5,772 |
| Memoranda: | ||
| Average total assets | $132,292,000 | 3,964 |
| Average earning assets | $126,328,500 | 3,872 |
| Average equity | $13,029,750 | 4,216 |
| Average total loans | $116,959,000 | 3,122 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6581% | 1,376 |
| Cost of funding earning assets | 0.6778% | 1,319 |
| Net interest margin | 3.9803% | 1,871 |
| Noninterest income to average assets | 0.2180% | 5,645 |
| Noninterest expense to average assets | 3.2480% | 2,058 |
| Loan and lease loss provision to assets | 0.0958% | 2,425 |
| Net operating income to assets | 0.3710% | 5,322 |
| Return on assets (ROA) | 0.3710% | 5,392 |
| Pretax return on assets | 0.6508% | 4,781 |
| Return on Equity (ROE) | 3.7782% | 5,243 |
| Retained earnings to average equity (ytd only) | 3.7782% | 3,782 |
| Net charge-offs to loans | 0.0052% | 4,202 |
| Credit loss provision to net charge-offs | 2,066.6667% | 178 |
| Earnings coverage of net charge-offs (x) | 161.0000% | 386 |
| Efficiency ratio | 81.3080% | 1,837 |
| Assets per employee ($millions) | 5.6031% | 1,606 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3376% | 3,654 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.0739% | 2,918 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 92.7796% | 16 |
| Net loans and leases to deposits | 105.6386% | 315 |
| Net loans and leases to core deposits | 164.2887% | 69 |
| Total domestic deposits to total assets | 87.8274% | 2,016 |
| Equity capital to assets | 9.9596% | 4,166 |
| Core capital (leverage) ratio | 10.2583% | 3,256 |
| Tier 1 risk-based capital ratio | 11.3995% | 5,853 |
| Total risk-based capital ratio | 12.6520% | 5,803 |
| Memoranda: | ||
| Average total assets | $129,373,670 | 4,044 |
| Average earning assets | $122,754,670 | 3,955 |
| Average equity | $12,704,330 | 4,281 |
| Average total loans | $114,454,000 | 3,167 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5396% | 1,679 |
| Cost of funding earning assets | 0.6826% | 1,344 |
| Net interest margin | 3.8570% | 2,244 |
| Noninterest income to average assets | 0.2407% | 5,432 |
| Noninterest expense to average assets | 3.1167% | 2,478 |
| Loan and lease loss provision to assets | 0.0679% | 2,770 |
| Net operating income to assets | 0.3888% | 5,157 |
| Return on assets (ROA) | 0.3888% | 5,225 |
| Pretax return on assets | 0.7005% | 4,484 |
| Return on Equity (ROE) | 3.9877% | 5,042 |
| Retained earnings to average equity (ytd only) | 3.9877% | 3,722 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.2224% | 2,176 |
| Assets per employee ($millions) | 5.8496% | 1,410 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4009% | 3,598 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.1267% | 3,001 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 90.7588% | 36 |
| Net loans and leases to deposits | 101.8397% | 370 |
| Net loans and leases to core deposits | 169.5238% | 56 |
| Total domestic deposits to total assets | 89.1193% | 1,577 |
| Equity capital to assets | 10.3443% | 3,407 |
| Core capital (leverage) ratio | 10.1100% | 3,416 |
| Tier 1 risk-based capital ratio | 11.9099% | 5,705 |
| Total risk-based capital ratio | 13.1373% | 5,640 |
| Memoranda: | ||
| Average total assets | $129,625,000 | 4,078 |
| Average earning assets | $122,477,500 | 3,990 |
| Average equity | $12,639,000 | 4,317 |
| Average total loans | $111,087,500 | 3,240 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3756% | 2,670 |
| Cost of funding earning assets | 0.7995% | 1,213 |
| Net interest margin | 3.5761% | 3,571 |
| Noninterest income to average assets | 0.1291% | 6,281 |
| Noninterest expense to average assets | 2.2760% | 5,440 |
| Loan and lease loss provision to assets | 0.1496% | 2,408 |
| Net operating income to assets | 0.6590% | 3,993 |
| Return on assets (ROA) | 0.6590% | 4,094 |
| Pretax return on assets | 1.1130% | 2,909 |
| Return on Equity (ROE) | 7.2714% | 3,421 |
| Retained earnings to average equity (ytd only) | 7.2714% | 1,328 |
| Net charge-offs to loans | -0.0138% | 6,072 |
| Credit loss provision to net charge-offs | -1,407.1429% | 6,273 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3210% | 4,842 |
| Assets per employee ($millions) | 8.5256% | 390 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4317% | 3,503 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.0146% | 3,394 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 78.8364% | 729 |
| Net loans and leases to deposits | 89.1279% | 1,329 |
| Net loans and leases to core deposits | 154.4028% | 81 |
| Total domestic deposits to total assets | 88.4531% | 1,925 |
| Equity capital to assets | 9.2157% | 4,788 |
| Core capital (leverage) ratio | 10.4943% | 2,931 |
| Tier 1 risk-based capital ratio | 12.0082% | 5,610 |
| Total risk-based capital ratio | 13.2610% | 5,546 |
| Memoranda: | ||
| Average total assets | $131,721,600 | 4,037 |
| Average earning assets | $125,583,000 | 3,933 |
| Average equity | $11,937,200 | 4,453 |
| Average total loans | $101,747,400 | 3,406 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3506% | 2,782 |
| Cost of funding earning assets | 0.8436% | 1,079 |
| Net interest margin | 3.5070% | 3,852 |
| Noninterest income to average assets | 0.1103% | 6,451 |
| Noninterest expense to average assets | 2.2887% | 5,378 |
| Loan and lease loss provision to assets | 0.1430% | 2,495 |
| Net operating income to assets | 0.6240% | 4,247 |
| Return on assets (ROA) | 0.6240% | 4,371 |
| Pretax return on assets | 1.0325% | 3,368 |
| Return on Equity (ROE) | 6.9163% | 3,701 |
| Retained earnings to average equity (ytd only) | 6.9163% | 1,920 |
| Net charge-offs to loans | -0.0187% | 6,025 |
| Credit loss provision to net charge-offs | -1,000.0000% | 6,182 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0672% | 4,462 |
| Assets per employee ($millions) | 8.7901% | 339 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4903% | 3,499 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.1417% | 3,372 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 80.8363% | 468 |
| Net loans and leases to deposits | 90.2934% | 1,132 |
| Net loans and leases to core deposits | 146.0335% | 103 |
| Total domestic deposits to total assets | 89.5263% | 1,279 |
| Equity capital to assets | 10.0056% | 3,891 |
| Core capital (leverage) ratio | 9.6523% | 4,165 |
| Tier 1 risk-based capital ratio | 12.8780% | 5,203 |
| Total risk-based capital ratio | 14.1324% | 5,139 |
| Memoranda: | ||
| Average total assets | $130,549,750 | 4,099 |
| Average earning assets | $124,853,250 | 3,986 |
| Average equity | $11,778,750 | 4,541 |
| Average total loans | $99,908,750 | 3,481 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2637% | 3,102 |
| Cost of funding earning assets | 0.8634% | 1,071 |
| Net interest margin | 3.4003% | 4,183 |
| Noninterest income to average assets | 0.0992% | 6,531 |
| Noninterest expense to average assets | 2.2383% | 5,528 |
| Loan and lease loss provision to assets | 0.1503% | 2,444 |
| Net operating income to assets | 0.6088% | 4,240 |
| Return on assets (ROA) | 0.6088% | 4,414 |
| Pretax return on assets | 0.9846% | 3,576 |
| Return on Equity (ROE) | 6.9824% | 3,610 |
| Retained earnings to average equity (ytd only) | 6.9824% | 1,903 |
| Net charge-offs to loans | -0.0181% | 5,944 |
| Credit loss provision to net charge-offs | -1,111.1111% | 6,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3547% | 4,486 |
| Assets per employee ($millions) | 8.9443% | 314 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4605% | 3,767 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 78.6640% | 682 |
| Net loans and leases to deposits | 87.4300% | 1,410 |
| Net loans and leases to core deposits | 137.2768% | 145 |
| Total domestic deposits to total assets | 89.9736% | 1,037 |
| Equity capital to assets | 9.6790% | 4,342 |
| Core capital (leverage) ratio | 9.3607% | 4,453 |
| Tier 1 risk-based capital ratio | 12.7713% | 5,307 |
| Total risk-based capital ratio | 14.0247% | 5,242 |
| Memoranda: | ||
| Average total assets | $133,046,000 | 4,076 |
| Average earning assets | $128,105,000 | 3,943 |
| Average equity | $11,600,670 | 4,611 |
| Average total loans | $99,550,670 | 3,502 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1852% | 3,361 |
| Cost of funding earning assets | 0.8638% | 1,185 |
| Net interest margin | 3.3214% | 4,436 |
| Noninterest income to average assets | 0.0964% | 6,584 |
| Noninterest expense to average assets | 2.1788% | 5,745 |
| Loan and lease loss provision to assets | 0.1986% | 1,871 |
| Net operating income to assets | 0.6075% | 4,179 |
| Return on assets (ROA) | 0.6075% | 4,337 |
| Pretax return on assets | 0.9083% | 3,724 |
| Return on Equity (ROE) | 7.3362% | 3,300 |
| Retained earnings to average equity (ytd only) | 7.3362% | 2,010 |
| Net charge-offs to loans | -0.0201% | 5,713 |
| Credit loss provision to net charge-offs | -1,360.0000% | 5,677 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3111% | 4,613 |
| Assets per employee ($millions) | 10.0549% | 226 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4230% | 4,114 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 75.4135% | 911 |
| Net loans and leases to deposits | 83.2631% | 1,670 |
| Net loans and leases to core deposits | 131.4522% | 166 |
| Total domestic deposits to total assets | 90.5725% | 732 |
| Equity capital to assets | 9.1360% | 5,328 |
| Core capital (leverage) ratio | 8.7390% | 5,275 |
| Tier 1 risk-based capital ratio | 12.7324% | 5,413 |
| Total risk-based capital ratio | 13.9868% | 5,358 |
| Memoranda: | ||
| Average total assets | $136,959,000 | 4,037 |
| Average earning assets | $131,509,500 | 3,909 |
| Average equity | $11,341,000 | 4,709 |
| Average total loans | $99,344,500 | 3,523 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0024% | 1,553 |
| Cost of funding earning assets | 1.0545% | 1,101 |
| Net interest margin | 3.9478% | 2,615 |
| Noninterest income to average assets | 0.0799% | 6,584 |
| Noninterest expense to average assets | 2.5816% | 4,806 |
| Loan and lease loss provision to assets | 0.2425% | 2,712 |
| Net operating income to assets | 0.6009% | 4,231 |
| Return on assets (ROA) | 0.6009% | 4,495 |
| Pretax return on assets | 1.0222% | 3,462 |
| Return on Equity (ROE) | 6.4344% | 3,947 |
| Retained earnings to average equity (ytd only) | 6.4344% | 1,851 |
| Net charge-offs to loans | 0.0241% | 5,565 |
| Credit loss provision to net charge-offs | 1,227.2727% | 206 |
| Earnings coverage of net charge-offs (x) | 64.0000% | 559 |
| Efficiency ratio | 67.1182% | 4,307 |
| Assets per employee ($millions) | 10.2289% | 216 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3689% | 4,314 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 67.9723% | 2,184 |
| Net loans and leases to deposits | 73.7512% | 3,138 |
| Net loans and leases to core deposits | 107.4216% | 631 |
| Total domestic deposits to total assets | 92.1643% | 216 |
| Equity capital to assets | 7.4998% | 6,633 |
| Core capital (leverage) ratio | 8.4467% | 5,698 |
| Tier 1 risk-based capital ratio | 11.2764% | 6,228 |
| Total risk-based capital ratio | 12.5288% | 6,195 |
| Memoranda: | ||
| Average total assets | $111,326,800 | 4,564 |
| Average earning assets | $106,210,000 | 4,444 |
| Average equity | $10,397,200 | 4,891 |
| Average total loans | $91,363,200 | 3,713 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3462% | 929 |
| Cost of funding earning assets | 1.1203% | 983 |
| Net interest margin | 4.2259% | 1,661 |
| Noninterest income to average assets | 0.0916% | 6,646 |
| Noninterest expense to average assets | 2.7438% | 4,200 |
| Loan and lease loss provision to assets | 0.2967% | 2,215 |
| Net operating income to assets | 0.6153% | 4,323 |
| Return on assets (ROA) | 0.6153% | 4,578 |
| Pretax return on assets | 1.0849% | 3,407 |
| Return on Equity (ROE) | 6.1677% | 4,253 |
| Retained earnings to average equity (ytd only) | 6.1677% | 2,588 |
| Net charge-offs to loans | 0.0387% | 5,110 |
| Credit loss provision to net charge-offs | 884.6154% | 325 |
| Earnings coverage of net charge-offs (x) | 41.1872% | 863 |
| Efficiency ratio | 66.5103% | 4,354 |
| Assets per employee ($millions) | 9.6548% | 267 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3911% | 4,413 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 79.9650% | 505 |
| Net loans and leases to deposits | 88.2577% | 1,318 |
| Net loans and leases to core deposits | 118.8320% | 331 |
| Total domestic deposits to total assets | 90.6039% | 556 |
| Equity capital to assets | 9.1138% | 5,694 |
| Core capital (leverage) ratio | 9.1117% | 4,893 |
| Tier 1 risk-based capital ratio | 12.2331% | 5,815 |
| Total risk-based capital ratio | 13.4859% | 5,787 |
| Memoranda: | ||
| Average total assets | $103,357,500 | 4,793 |
| Average earning assets | $98,660,000 | 4,673 |
| Average equity | $10,311,500 | 4,957 |
| Average total loans | $89,531,500 | 3,805 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4563% | 790 |
| Cost of funding earning assets | 1.1565% | 994 |
| Net interest margin | 4.2998% | 1,481 |
| Noninterest income to average assets | 0.0907% | 6,712 |
| Noninterest expense to average assets | 2.7785% | 4,100 |
| Loan and lease loss provision to assets | 0.3024% | 2,172 |
| Net operating income to assets | 0.6452% | 4,139 |
| Return on assets (ROA) | 0.6452% | 4,391 |
| Pretax return on assets | 1.1029% | 3,292 |
| Return on Equity (ROE) | 6.2567% | 4,180 |
| Retained earnings to average equity (ytd only) | 6.2567% | 2,529 |
| Net charge-offs to loans | 0.0704% | 4,444 |
| Credit loss provision to net charge-offs | 483.8710% | 622 |
| Earnings coverage of net charge-offs (x) | 22.4839% | 1,297 |
| Efficiency ratio | 66.4096% | 4,457 |
| Assets per employee ($millions) | 8.5523% | 379 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2818% | 4,974 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 91.7021% | 26 |
| Net loans and leases to deposits | 102.5018% | 321 |
| Net loans and leases to core deposits | 141.4155% | 141 |
| Total domestic deposits to total assets | 89.4639% | 1,239 |
| Equity capital to assets | 10.1269% | 4,152 |
| Core capital (leverage) ratio | 9.9780% | 3,450 |
| Tier 1 risk-based capital ratio | 12.2686% | 5,747 |
| Total risk-based capital ratio | 13.5229% | 5,717 |
| Memoranda: | ||
| Average total assets | $99,191,000 | 4,917 |
| Average earning assets | $94,423,670 | 4,807 |
| Average equity | $10,229,000 | 4,977 |
| Average total loans | $88,058,000 | 3,854 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4521% | 830 |
| Cost of funding earning assets | 1.2043% | 964 |
| Net interest margin | 4.2478% | 1,612 |
| Noninterest income to average assets | 0.0903% | 6,786 |
| Noninterest expense to average assets | 2.7372% | 4,293 |
| Loan and lease loss provision to assets | 0.2873% | 2,164 |
| Net operating income to assets | 0.6197% | 4,257 |
| Return on assets (ROA) | 0.6197% | 4,467 |
| Pretax return on assets | 1.0752% | 3,414 |
| Return on Equity (ROE) | 5.9525% | 4,318 |
| Retained earnings to average equity (ytd only) | 5.9525% | 2,985 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7668% | 4,411 |
| Assets per employee ($millions) | 8.7429% | 358 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3053% | 4,997 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 92.2202% | 21 |
| Net loans and leases to deposits | 103.4817% | 266 |
| Net loans and leases to core deposits | 154.2113% | 102 |
| Total domestic deposits to total assets | 89.1174% | 1,628 |
| Equity capital to assets | 10.6320% | 3,343 |
| Core capital (leverage) ratio | 9.8579% | 3,557 |
| Tier 1 risk-based capital ratio | 12.3048% | 5,754 |
| Total risk-based capital ratio | 13.5568% | 5,711 |
| Memoranda: | ||
| Average total assets | $97,472,500 | 5,002 |
| Average earning assets | $92,001,500 | 4,910 |
| Average equity | $10,147,000 | 5,005 |
| Average total loans | $84,420,000 | 3,995 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2450% | 1,894 |
| Cost of funding earning assets | 1.3770% | 1,134 |
| Net interest margin | 3.8680% | 3,477 |
| Noninterest income to average assets | 0.0955% | 6,660 |
| Noninterest expense to average assets | 2.8061% | 4,324 |
| Loan and lease loss provision to assets | 0.2614% | 3,603 |
| Net operating income to assets | 0.3796% | 4,949 |
| Return on assets (ROA) | 0.3796% | 5,125 |
| Pretax return on assets | 0.6791% | 4,412 |
| Return on Equity (ROE) | 3.2219% | 5,188 |
| Retained earnings to average equity (ytd only) | 3.2219% | 3,924 |
| Net charge-offs to loans | -0.0389% | 7,026 |
| Credit loss provision to net charge-offs | -811.1111% | 6,851 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8965% | 3,071 |
| Assets per employee ($millions) | 8.9794% | 332 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3966% | 4,475 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 78.8414% | 627 |
| Net loans and leases to deposits | 88.1636% | 1,359 |
| Net loans and leases to core deposits | 149.3012% | 136 |
| Total domestic deposits to total assets | 89.4263% | 1,305 |
| Equity capital to assets | 10.1941% | 3,913 |
| Core capital (leverage) ratio | 11.0458% | 2,237 |
| Tier 1 risk-based capital ratio | 12.7806% | 5,255 |
| Total risk-based capital ratio | 14.0328% | 5,235 |
| Memoranda: | ||
| Average total assets | $83,781,200 | 5,348 |
| Average earning assets | $79,084,400 | 5,258 |
| Average equity | $9,870,000 | 5,057 |
| Average total loans | $69,445,200 | 4,510 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3678% | 1,612 |
| Cost of funding earning assets | 1.4871% | 910 |
| Net interest margin | 3.8807% | 3,478 |
| Noninterest income to average assets | 0.0950% | 6,770 |
| Noninterest expense to average assets | 2.8537% | 4,130 |
| Loan and lease loss provision to assets | 0.2616% | 3,414 |
| Net operating income to assets | 0.3582% | 5,172 |
| Return on assets (ROA) | 0.3582% | 5,360 |
| Pretax return on assets | 0.6530% | 4,636 |
| Return on Equity (ROE) | 2.9191% | 5,458 |
| Retained earnings to average equity (ytd only) | 2.9191% | 4,610 |
| Net charge-offs to loans | -0.0577% | 7,077 |
| Credit loss provision to net charge-offs | -541.3793% | 6,683 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7294% | 2,882 |
| Assets per employee ($millions) | 7.4512% | 585 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5326% | 3,948 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 81.7564% | 377 |
| Net loans and leases to deposits | 93.4263% | 886 |
| Net loans and leases to core deposits | 128.5218% | 260 |
| Total domestic deposits to total assets | 87.5090% | 2,344 |
| Equity capital to assets | 12.1604% | 2,137 |
| Core capital (leverage) ratio | 11.5135% | 2,018 |
| Tier 1 risk-based capital ratio | 14.7416% | 3,810 |
| Total risk-based capital ratio | 15.9849% | 3,791 |
| Memoranda: | ||
| Average total assets | $80,033,250 | 5,504 |
| Average earning assets | $75,758,500 | 5,390 |
| Average equity | $9,820,250 | 5,093 |
| Average total loans | $67,062,250 | 4,628 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3330% | 1,778 |
| Cost of funding earning assets | 1.5596% | 816 |
| Net interest margin | 3.7734% | 3,922 |
| Noninterest income to average assets | 0.0932% | 6,861 |
| Noninterest expense to average assets | 2.9172% | 3,953 |
| Loan and lease loss provision to assets | 0.2217% | 3,699 |
| Net operating income to assets | 0.2721% | 5,475 |
| Return on assets (ROA) | 0.2721% | 5,602 |
| Pretax return on assets | 0.5139% | 5,014 |
| Return on Equity (ROE) | 2.2105% | 5,717 |
| Retained earnings to average equity (ytd only) | 2.2105% | 4,887 |
| Net charge-offs to loans | -0.0929% | 7,149 |
| Credit loss provision to net charge-offs | -283.8710% | 6,422 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.8621% | 2,407 |
| Assets per employee ($millions) | 7.5507% | 553 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4383% | 4,405 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 88.5772% | 70 |
| Net loans and leases to deposits | 102.4540% | 369 |
| Net loans and leases to core deposits | 137.9465% | 198 |
| Total domestic deposits to total assets | 86.4556% | 3,068 |
| Equity capital to assets | 13.0306% | 1,503 |
| Core capital (leverage) ratio | 11.9682% | 1,614 |
| Tier 1 risk-based capital ratio | 14.4792% | 3,798 |
| Total risk-based capital ratio | 15.7323% | 3,773 |
| Memoranda: | ||
| Average total assets | $79,390,000 | 5,568 |
| Average earning assets | $74,892,000 | 5,467 |
| Average equity | $9,771,330 | 5,106 |
| Average total loans | $66,732,000 | 4,695 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0070% | 3,079 |
| Cost of funding earning assets | 1.5922% | 843 |
| Net interest margin | 3.4148% | 5,373 |
| Noninterest income to average assets | 0.0836% | 6,987 |
| Noninterest expense to average assets | 2.6706% | 4,962 |
| Loan and lease loss provision to assets | 0.1230% | 4,466 |
| Net operating income to assets | 0.2164% | 5,728 |
| Return on assets (ROA) | 0.2164% | 5,792 |
| Pretax return on assets | 0.4967% | 5,041 |
| Return on Equity (ROE) | 1.8074% | 5,863 |
| Retained earnings to average equity (ytd only) | 1.8074% | 5,034 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.1659% | 2,343 |
| Assets per employee ($millions) | 7.3447% | 625 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3104% | 5,078 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 90.4434% | 35 |
| Net loans and leases to deposits | 104.9018% | 284 |
| Net loans and leases to core deposits | 142.1832% | 183 |
| Total domestic deposits to total assets | 86.2173% | 3,386 |
| Equity capital to assets | 13.2939% | 1,262 |
| Core capital (leverage) ratio | 11.1799% | 2,041 |
| Tier 1 risk-based capital ratio | 14.7243% | 3,597 |
| Total risk-based capital ratio | 15.9517% | 3,568 |
| Memoranda: | ||
| Average total assets | $81,331,500 | 5,553 |
| Average earning assets | $76,372,500 | 5,462 |
| Average equity | $9,737,500 | 5,112 |
| Average total loans | $66,169,000 | 4,758 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2946% | 3,156 |
| Cost of funding earning assets | 1.9108% | 811 |
| Net interest margin | 3.3837% | 5,692 |
| Noninterest income to average assets | 0.1021% | 6,884 |
| Noninterest expense to average assets | 2.5677% | 5,548 |
| Loan and lease loss provision to assets | 0.0795% | 6,362 |
| Net operating income to assets | 0.3924% | 4,574 |
| Return on assets (ROA) | 0.3924% | 4,720 |
| Pretax return on assets | 0.6707% | 4,092 |
| Return on Equity (ROE) | 3.1058% | 4,915 |
| Retained earnings to average equity (ytd only) | 3.1058% | 3,687 |
| Net charge-offs to loans | 0.2839% | 4,602 |
| Credit loss provision to net charge-offs | 33.3333% | 6,470 |
| Earnings coverage of net charge-offs (x) | 3.1444% | 3,498 |
| Efficiency ratio | 77.3871% | 2,812 |
| Assets per employee ($millions) | 8.9216% | 350 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3179% | 4,907 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 71.9277% | 2,114 |
| Net loans and leases to deposits | 81.1110% | 2,967 |
| Net loans and leases to core deposits | 119.4079% | 547 |
| Total domestic deposits to total assets | 88.6780% | 1,840 |
| Equity capital to assets | 10.8848% | 2,790 |
| Core capital (leverage) ratio | 11.7824% | 1,682 |
| Tier 1 risk-based capital ratio | 14.3967% | 3,617 |
| Total risk-based capital ratio | 15.6605% | 3,565 |
| Memoranda: | ||
| Average total assets | $75,438,200 | 5,732 |
| Average earning assets | $71,696,000 | 5,611 |
| Average equity | $9,530,600 | 5,254 |
| Average total loans | $63,405,600 | 4,934 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4922% | 2,456 |
| Cost of funding earning assets | 2.0248% | 698 |
| Net interest margin | 3.4675% | 5,422 |
| Noninterest income to average assets | 0.1056% | 7,022 |
| Noninterest expense to average assets | 2.6020% | 5,317 |
| Loan and lease loss provision to assets | 0.1111% | 5,919 |
| Net operating income to assets | 0.4204% | 4,658 |
| Return on assets (ROA) | 0.4204% | 4,840 |
| Pretax return on assets | 0.7130% | 4,189 |
| Return on Equity (ROE) | 3.1908% | 5,147 |
| Retained earnings to average equity (ytd only) | 3.1908% | 4,191 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9459% | 2,960 |
| Assets per employee ($millions) | 7.3928% | 653 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6089% | 3,492 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 85.7835% | 223 |
| Net loans and leases to deposits | 99.0581% | 719 |
| Net loans and leases to core deposits | 130.4360% | 369 |
| Total domestic deposits to total assets | 86.5991% | 2,757 |
| Equity capital to assets | 13.0546% | 1,551 |
| Core capital (leverage) ratio | 11.1156% | 2,184 |
| Tier 1 risk-based capital ratio | 14.0757% | 3,775 |
| Total risk-based capital ratio | 15.3295% | 3,749 |
| Memoranda: | ||
| Average total assets | $71,993,750 | 5,883 |
| Average earning assets | $68,944,000 | 5,774 |
| Average equity | $9,485,500 | 5,347 |
| Average total loans | $63,000,000 | 5,026 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4453% | 2,771 |
| Cost of funding earning assets | 2.0570% | 758 |
| Net interest margin | 3.3882% | 5,683 |
| Noninterest income to average assets | 0.1093% | 7,056 |
| Noninterest expense to average assets | 2.5256% | 5,627 |
| Loan and lease loss provision to assets | 0.1121% | 5,785 |
| Net operating income to assets | 0.4121% | 4,701 |
| Return on assets (ROA) | 0.4121% | 4,855 |
| Pretax return on assets | 0.7036% | 4,226 |
| Return on Equity (ROE) | 3.1176% | 5,169 |
| Retained earnings to average equity (ytd only) | 3.1176% | 4,128 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5872% | 3,146 |
| Assets per employee ($millions) | 7.1184% | 730 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5508% | 3,666 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 90.7002% | 47 |
| Net loans and leases to deposits | 105.4313% | 421 |
| Net loans and leases to core deposits | 137.7395% | 309 |
| Total domestic deposits to total assets | 86.0278% | 3,064 |
| Equity capital to assets | 13.4370% | 1,374 |
| Core capital (leverage) ratio | 11.7509% | 1,775 |
| Tier 1 risk-based capital ratio | 14.0385% | 3,702 |
| Total risk-based capital ratio | 15.2922% | 3,669 |
| Memoranda: | ||
| Average total assets | $71,349,000 | 5,938 |
| Average earning assets | $68,059,000 | 5,828 |
| Average equity | $9,430,330 | 5,366 |
| Average total loans | $62,515,000 | 5,081 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2612% | 3,723 |
| Cost of funding earning assets | 2.0516% | 939 |
| Net interest margin | 3.2096% | 6,266 |
| Noninterest income to average assets | 0.1064% | 7,170 |
| Noninterest expense to average assets | 2.4863% | 5,780 |
| Loan and lease loss provision to assets | 0.0840% | 5,797 |
| Net operating income to assets | 0.3528% | 5,065 |
| Return on assets (ROA) | 0.3528% | 5,186 |
| Pretax return on assets | 0.5936% | 4,627 |
| Return on Equity (ROE) | 2.6914% | 5,487 |
| Retained earnings to average equity (ytd only) | 2.6914% | 4,529 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.5841% | 2,794 |
| Assets per employee ($millions) | 8.6486% | 397 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6261% | 3,342 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 86.7349% | 179 |
| Net loans and leases to deposits | 100.9589% | 699 |
| Net loans and leases to core deposits | 121.5167% | 726 |
| Total domestic deposits to total assets | 85.9111% | 3,204 |
| Equity capital to assets | 13.5845% | 1,290 |
| Core capital (leverage) ratio | 11.4521% | 1,940 |
| Tier 1 risk-based capital ratio | 14.7738% | 3,221 |
| Total risk-based capital ratio | 16.0289% | 3,177 |
| Memoranda: | ||
| Average total assets | $71,431,500 | 6,008 |
| Average earning assets | $68,045,000 | 5,908 |
| Average equity | $9,363,000 | 5,434 |
| Average total loans | $60,982,000 | 5,206 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3106% | 5,122 |
| Cost of funding earning assets | 2.2264% | 1,913 |
| Net interest margin | 3.0843% | 6,418 |
| Noninterest income to average assets | 0.0445% | 7,523 |
| Noninterest expense to average assets | 3.0109% | 4,102 |
| Loan and lease loss provision to assets | 0.9925% | 2,287 |
| Net operating income to assets | 0.8070% | 2,514 |
| Return on assets (ROA) | 0.8070% | 2,594 |
| Pretax return on assets | -0.9777% | 6,395 |
| Return on Equity (ROE) | 4.9862% | 3,670 |
| Retained earnings to average equity (ytd only) | 4.9862% | 1,823 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.5095% | 1,128 |
| Assets per employee ($millions) | 8.1860% | 475 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6027% | 3,270 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 81.4181% | 776 |
| Net loans and leases to deposits | 93.7719% | 1,624 |
| Net loans and leases to core deposits | 118.4752% | 2,080 |
| Total domestic deposits to total assets | 86.8257% | 2,595 |
| Equity capital to assets | 12.6598% | 1,669 |
| Core capital (leverage) ratio | 11.7569% | 1,779 |
| Tier 1 risk-based capital ratio | 13.6115% | 3,750 |
| Total risk-based capital ratio | 14.8653% | 3,686 |
| Memoranda: | ||
| Average total assets | $53,904,600 | 6,559 |
| Average earning assets | $52,103,000 | 6,457 |
| Average equity | $8,724,000 | 5,690 |
| Average total loans | $46,697,000 | 5,814 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3272% | 5,295 |
| Cost of funding earning assets | 2.2232% | 2,297 |
| Net interest margin | 3.1040% | 6,309 |
| Noninterest income to average assets | 0.0300% | 7,734 |
| Noninterest expense to average assets | 3.0907% | 3,680 |
| Loan and lease loss provision to assets | 1.1927% | 1,630 |
| Net operating income to assets | -1.2308% | 6,975 |
| Return on assets (ROA) | -1.2308% | 6,982 |
| Pretax return on assets | -1.2308% | 6,828 |
| Return on Equity (ROE) | -7.0294% | 6,662 |
| Retained earnings to average equity (ytd only) | -7.0294% | 6,509 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.2489% | 1,010 |
| Assets per employee ($millions) | 6.8846% | 830 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5616% | 3,154 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 80.5726% | 1,071 |
| Net loans and leases to deposits | 92.3147% | 2,186 |
| Net loans and leases to core deposits | 125.0220% | 1,811 |
| Total domestic deposits to total assets | 87.2803% | 2,031 |
| Equity capital to assets | 12.2549% | 2,094 |
| Core capital (leverage) ratio | 12.7632% | 1,460 |
| Tier 1 risk-based capital ratio | 14.4824% | 3,287 |
| Total risk-based capital ratio | 15.7492% | 3,221 |
| Memoranda: | ||
| Average total assets | $48,962,250 | 6,807 |
| Average earning assets | $47,678,500 | 6,663 |
| Average equity | $8,573,250 | 5,792 |
| Average total loans | $43,131,000 | 6,018 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2848% | 5,725 |
| Cost of funding earning assets | 2.2419% | 2,617 |
| Net interest margin | 3.0429% | 6,426 |
| Noninterest income to average assets | 0.0142% | 7,898 |
| Noninterest expense to average assets | 3.4818% | 2,396 |
| Loan and lease loss provision to assets | 1.7385% | 961 |
| Net operating income to assets | -2.2629% | 7,497 |
| Return on assets (ROA) | -2.2629% | 7,495 |
| Pretax return on assets | -2.2629% | 7,362 |
| Return on Equity (ROE) | -11.1154% | 7,116 |
| Retained earnings to average equity (ytd only) | -11.1154% | 6,977 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 117.7316% | 710 |
| Assets per employee ($millions) | 5.2622% | 1,799 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5854% | 2,805 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 95.5494% | 11 |
| Net loans and leases to deposits | 114.4210% | 379 |
| Net loans and leases to core deposits | 139.3107% | 1,044 |
| Total domestic deposits to total assets | 83.5069% | 4,011 |
| Equity capital to assets | 15.9819% | 828 |
| Core capital (leverage) ratio | 18.1850% | 493 |
| Tier 1 risk-based capital ratio | 16.7497% | 2,380 |
| Total risk-based capital ratio | 17.9964% | 2,329 |
| Memoranda: | ||
| Average total assets | $42,334,330 | 7,121 |
| Average earning assets | $40,947,670 | 7,019 |
| Average equity | $8,618,670 | 5,808 |
| Average total loans | $38,724,330 | 6,260 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9362% | 7,084 |
| Cost of funding earning assets | 2.2601% | 2,887 |
| Net interest margin | 2.6761% | 7,254 |
| Noninterest income to average assets | 0.0108% | 8,014 |
| Noninterest expense to average assets | 3.5493% | 1,972 |
| Loan and lease loss provision to assets | 1.0755% | 1,217 |
| Net operating income to assets | -2.0543% | 7,673 |
| Return on assets (ROA) | -2.0543% | 7,669 |
| Pretax return on assets | -2.0543% | 7,546 |
| Return on Equity (ROE) | -8.7585% | 7,284 |
| Retained earnings to average equity (ytd only) | -8.7585% | 6,991 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 138.0753% | 425 |
| Assets per employee ($millions) | 4.2536% | 3,163 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5276% | 2,828 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 91.2674% | 85 |
| Net loans and leases to deposits | 118.5056% | 323 |
| Net loans and leases to core deposits | 141.3276% | 1,047 |
| Total domestic deposits to total assets | 77.0153% | 6,276 |
| Equity capital to assets | 22.5380% | 292 |
| Core capital (leverage) ratio | 22.7196% | 290 |
| Tier 1 risk-based capital ratio | 24.6705% | 1,010 |
| Total risk-based capital ratio | 25.9229% | 992 |
| Memoranda: | ||
| Average total assets | $37,190,500 | 7,368 |
| Average earning assets | $35,574,000 | 7,279 |
| Average equity | $8,723,000 | 5,801 |
| Average total loans | $32,541,500 | 6,615 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4853% | 8,034 |
| Cost of funding earning assets | 1.9478% | 6,579 |
| Net interest margin | 2.5375% | 7,712 |
| Noninterest income to average assets | 0.0139% | 8,052 |
| Noninterest expense to average assets | 5.7900% | 446 |
| Loan and lease loss provision to assets | 1.9392% | 640 |
| Net operating income to assets | -5.2913% | 8,105 |
| Return on assets (ROA) | -5.2913% | 8,098 |
| Pretax return on assets | -5.2913% | 8,051 |
| Return on Equity (ROE) | -12.3014% | 7,442 |
| Retained earnings to average equity (ytd only) | -12.3014% | 7,266 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 237.5000% | 155 |
| Assets per employee ($millions) | 4.5124% | 2,596 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4931% | 2,730 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 80.7779% | 1,494 |
| Net loans and leases to deposits | 107.5182% | 1,005 |
| Net loans and leases to core deposits | 128.6906% | 1,947 |
| Total domestic deposits to total assets | 75.1295% | 6,422 |
| Equity capital to assets | 24.4273% | 278 |
| Core capital (leverage) ratio | 29.1071% | 199 |
| Tier 1 risk-based capital ratio | 28.8973% | 700 |
| Total risk-based capital ratio | 30.1491% | 692 |
| Memoranda: | ||
| Average total assets | $21,658,200 | 7,968 |
| Average earning assets | $20,689,600 | 7,905 |
| Average equity | $9,316,000 | 5,627 |
| Average total loans | $13,284,400 | 7,754 |