Home > State Bank of Herscher > Performance and Condition Ratios
State Bank of Herscher, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9289% | 4,057 |
| Cost of funding earning assets | 0.6660% | 3,977 |
| Net interest margin | 3.2630% | 2,726 |
| Noninterest income to average assets | 0.3200% | 2,981 |
| Noninterest expense to average assets | 2.0989% | 3,406 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.9350% | 2,425 |
| Return on assets (ROA) | 0.9388% | 2,396 |
| Pretax return on assets | 1.2147% | 2,099 |
| Return on Equity (ROE) | 11.6100% | 2,061 |
| Retained earnings to average equity (ytd only) | 6.7372% | 1,973 |
| Net charge-offs to loans | 1.1255% | 88 |
| Credit loss provision to net charge-offs | -0.1311% | 4,406 |
| Earnings coverage of net charge-offs (x) | 2.6147% | 2,687 |
| Efficiency ratio | 63.4348% | 2,679 |
| Assets per employee ($millions) | 8.5214% | 1,173 |
| Cash dividends to net income (ytd only)* | 41.9897% | 1,996 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6300% | 791 |
| Loan loss allowance to noncurrent loans | 102.2928% | 3,220 |
| Noncurrent assets plus other real estate owned to assets | 0.6654% | 801 |
| Noncurrent loans to loans | 1.5935% | 411 |
| Net loans and leases to total assets | 41.0800% | 3,996 |
| Net loans and leases to deposits | 45.2302% | 4,068 |
| Net loans and leases to core deposits | 48.3470% | 4,115 |
| Total domestic deposits to total assets | 90.8200% | 552 |
| Equity capital to assets | 8.5826% | 2,991 |
| Core capital (leverage) ratio | 11.9431% | 1,446 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $164,894,000 | 3,233 |
| Average earning assets | $151,059,000 | 3,242 |
| Average equity | $13,329,000 | 3,391 |
| Average total loans | $67,790,600 | 3,582 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8251% | 4,089 |
| Cost of funding earning assets | 0.5989% | 3,974 |
| Net interest margin | 3.2261% | 2,859 |
| Noninterest income to average assets | 0.3000% | 3,117 |
| Noninterest expense to average assets | 2.1152% | 3,312 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.8869% | 2,729 |
| Return on assets (ROA) | 0.8921% | 2,696 |
| Pretax return on assets | 1.1481% | 2,426 |
| Return on Equity (ROE) | 11.2200% | 2,320 |
| Retained earnings to average equity (ytd only) | 8.1406% | 1,911 |
| Net charge-offs to loans | 1.5196% | 56 |
| Credit loss provision to net charge-offs | -3.6697% | 4,462 |
| Earnings coverage of net charge-offs (x) | 1.8349% | 2,512 |
| Efficiency ratio | 64.9474% | 2,399 |
| Assets per employee ($millions) | 7.5329% | 1,612 |
| Cash dividends to net income (ytd only)* | 27.4223% | 2,169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7171% | 675 |
| Loan loss allowance to noncurrent loans | 96.5899% | 3,237 |
| Noncurrent assets plus other real estate owned to assets | 0.7078% | 799 |
| Noncurrent loans to loans | 1.7777% | 368 |
| Net loans and leases to total assets | 39.1300% | 4,087 |
| Net loans and leases to deposits | 42.5900% | 4,148 |
| Net loans and leases to core deposits | 45.3250% | 4,145 |
| Total domestic deposits to total assets | 91.8800% | 478 |
| Equity capital to assets | 7.5089% | 3,346 |
| Core capital (leverage) ratio | 12.2573% | 1,317 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $163,510,750 | 3,254 |
| Average earning assets | $149,814,750 | 3,263 |
| Average equity | $13,004,500 | 3,419 |
| Average total loans | $66,947,000 | 3,606 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7440% | 4,092 |
| Cost of funding earning assets | 0.5400% | 3,905 |
| Net interest margin | 3.2040% | 2,988 |
| Noninterest income to average assets | 0.3100% | 3,022 |
| Noninterest expense to average assets | 2.1318% | 3,265 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.8671% | 2,866 |
| Return on assets (ROA) | 0.8748% | 2,831 |
| Pretax return on assets | 1.1206% | 2,585 |
| Return on Equity (ROE) | 10.7900% | 2,480 |
| Retained earnings to average equity (ytd only) | 7.7627% | 2,051 |
| Net charge-offs to loans | 2.2685% | 39 |
| Credit loss provision to net charge-offs | -12.5819% | 4,504 |
| Earnings coverage of net charge-offs (x) | 1.1848% | 2,377 |
| Efficiency ratio | 65.7446% | 2,272 |
| Assets per employee ($millions) | 7.5794% | 1,559 |
| Cash dividends to net income (ytd only)* | 28.0899% | 2,139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6251% | 890 |
| Loan loss allowance to noncurrent loans | 208.0078% | 2,552 |
| Noncurrent assets plus other real estate owned to assets | 0.3217% | 1,632 |
| Noncurrent loans to loans | 0.7813% | 972 |
| Net loans and leases to total assets | 40.5100% | 4,022 |
| Net loans and leases to deposits | 44.4974% | 4,081 |
| Net loans and leases to core deposits | 47.4121% | 4,094 |
| Total domestic deposits to total assets | 91.0300% | 640 |
| Equity capital to assets | 8.3779% | 2,967 |
| Core capital (leverage) ratio | 12.1597% | 1,291 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $162,773,000 | 3,264 |
| Average earning assets | $148,878,000 | 3,282 |
| Average equity | $13,191,333 | 3,418 |
| Average total loans | $67,268,000 | 3,607 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5733% | 4,187 |
| Cost of funding earning assets | 0.4473% | 3,843 |
| Net interest margin | 3.1259% | 3,294 |
| Noninterest income to average assets | 0.3100% | 2,990 |
| Noninterest expense to average assets | 2.1030% | 3,374 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.8307% | 3,087 |
| Return on assets (ROA) | 0.8461% | 2,989 |
| Pretax return on assets | 1.0843% | 2,752 |
| Return on Equity (ROE) | 10.6100% | 2,602 |
| Retained earnings to average equity (ytd only) | 7.5581% | 2,346 |
| Net charge-offs to loans | 4.4794% | 23 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.5740% | 2,001 |
| Efficiency ratio | 66.3853% | 2,168 |
| Assets per employee ($millions) | 7.8570% | 1,430 |
| Cash dividends to net income (ytd only)* | 28.7356% | 1,774 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8118% | 650 |
| Loan loss allowance to noncurrent loans | 200.1724% | 2,658 |
| Noncurrent assets plus other real estate owned to assets | 0.3515% | 1,462 |
| Noncurrent loans to loans | 0.9051% | 837 |
| Net loans and leases to total assets | 38.1300% | 4,112 |
| Net loans and leases to deposits | 41.6952% | 4,173 |
| Net loans and leases to core deposits | 43.8878% | 4,174 |
| Total domestic deposits to total assets | 91.4600% | 656 |
| Equity capital to assets | 8.0474% | 3,210 |
| Core capital (leverage) ratio | 11.6515% | 1,473 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $164,525,500 | 3,297 |
| Average earning assets | $150,227,000 | 3,316 |
| Average equity | $13,125,000 | 3,466 |
| Average total loans | $68,134,000 | 3,637 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1518% | 3,902 |
| Cost of funding earning assets | 0.1880% | 3,852 |
| Net interest margin | 2.9638% | 3,535 |
| Noninterest income to average assets | 0.4200% | 2,575 |
| Noninterest expense to average assets | 2.0793% | 3,353 |
| Loan and lease loss provision to assets | -0.1200% | 4,559 |
| Net operating income to assets | 0.8947% | 2,984 |
| Return on assets (ROA) | 0.9000% | 2,898 |
| Pretax return on assets | 1.1523% | 2,595 |
| Return on Equity (ROE) | 10.1600% | 2,759 |
| Retained earnings to average equity (ytd only) | 1.6141% | 4,071 |
| Net charge-offs to loans | 0.0589% | 1,063 |
| Credit loss provision to net charge-offs | -457.1429% | 4,629 |
| Earnings coverage of net charge-offs (x) | 40.8333% | 1,491 |
| Efficiency ratio | 66.8663% | 2,101 |
| Assets per employee ($millions) | 7.4570% | 1,644 |
| Cash dividends to net income (ytd only)* | 84.1121% | 373 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3494% | 246 |
| Loan loss allowance to noncurrent loans | 118.1058% | 3,210 |
| Noncurrent assets plus other real estate owned to assets | 0.8753% | 518 |
| Noncurrent loans to loans | 1.9892% | 286 |
| Net loans and leases to total assets | 42.9700% | 3,929 |
| Net loans and leases to deposits | 46.9493% | 4,012 |
| Net loans and leases to core deposits | 48.6659% | 4,032 |
| Total domestic deposits to total assets | 91.5200% | 778 |
| Equity capital to assets | 7.9072% | 3,114 |
| Core capital (leverage) ratio | 11.8753% | 1,337 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $166,451,600 | 3,291 |
| Average earning assets | $151,087,400 | 3,319 |
| Average equity | $14,744,800 | 3,388 |
| Average total loans | $71,308,800 | 3,560 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0211% | 3,850 |
| Cost of funding earning assets | 0.1458% | 3,888 |
| Net interest margin | 2.8753% | 3,556 |
| Noninterest income to average assets | 0.3500% | 3,046 |
| Noninterest expense to average assets | 2.0321% | 3,395 |
| Loan and lease loss provision to assets | -0.2100% | 4,682 |
| Net operating income to assets | 0.8878% | 2,924 |
| Return on assets (ROA) | 0.8947% | 2,865 |
| Pretax return on assets | 1.1461% | 2,571 |
| Return on Equity (ROE) | 9.8400% | 2,779 |
| Retained earnings to average equity (ytd only) | -0.6496% | 4,400 |
| Net charge-offs to loans | 0.0488% | 997 |
| Credit loss provision to net charge-offs | -1,007.6923% | 4,717 |
| Earnings coverage of net charge-offs (x) | 44.7308% | 1,335 |
| Efficiency ratio | 68.6438% | 1,934 |
| Assets per employee ($millions) | 7.2298% | 1,793 |
| Cash dividends to net income (ytd only)* | 106.6012% | 192 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2935% | 294 |
| Loan loss allowance to noncurrent loans | 58.2063% | 3,708 |
| Noncurrent assets plus other real estate owned to assets | 1.7736% | 161 |
| Noncurrent loans to loans | 3.9402% | 97 |
| Net loans and leases to total assets | 43.9800% | 3,878 |
| Net loans and leases to deposits | 49.1405% | 3,907 |
| Net loans and leases to core deposits | 49.3276% | 3,978 |
| Total domestic deposits to total assets | 89.5000% | 1,873 |
| Equity capital to assets | 7.5829% | 3,163 |
| Core capital (leverage) ratio | 11.2274% | 1,592 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $167,051,000 | 3,315 |
| Average earning assets | $151,816,000 | 3,331 |
| Average equity | $15,188,000 | 3,391 |
| Average total loans | $71,088,750 | 3,571 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8480% | 3,898 |
| Cost of funding earning assets | 0.1445% | 3,640 |
| Net interest margin | 2.7035% | 3,694 |
| Noninterest income to average assets | 0.3783% | 2,886 |
| Noninterest expense to average assets | 1.9857% | 3,468 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.6719% | 3,409 |
| Return on assets (ROA) | 0.6823% | 3,323 |
| Pretax return on assets | 0.8532% | 3,195 |
| Return on Equity (ROE) | 7.1348% | 3,278 |
| Retained earnings to average equity (ytd only) | -6.7898% | 4,587 |
| Net charge-offs to loans | 0.0733% | 725 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 27.4231% | 1,432 |
| Efficiency ratio | 70.2669% | 1,921 |
| Assets per employee ($millions) | 7.4817% | 1,620 |
| Cash dividends to net income (ytd only)* | 195.1641% | 82 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5830% | 228 |
| Loan loss allowance to noncurrent loans | 86.0045% | 3,493 |
| Noncurrent assets plus other real estate owned to assets | 1.3457% | 292 |
| Noncurrent loans to loans | 3.0033% | 168 |
| Net loans and leases to total assets | 43.6500% | 3,859 |
| Net loans and leases to deposits | 47.9543% | 3,923 |
| Net loans and leases to core deposits | 48.1271% | 4,022 |
| Total domestic deposits to total assets | 91.0242% | 1,230 |
| Equity capital to assets | 7.7024% | 3,345 |
| Core capital (leverage) ratio | 11.2412% | 1,463 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $169,716,000 | 3,337 |
| Average earning assets | $153,654,000 | 3,359 |
| Average equity | $16,230,333 | 3,389 |
| Average total loans | $70,920,000 | 3,605 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7429% | 3,858 |
| Cost of funding earning assets | 0.1474% | 3,533 |
| Net interest margin | 2.5955% | 3,667 |
| Noninterest income to average assets | 0.4574% | 2,373 |
| Noninterest expense to average assets | 1.9922% | 3,445 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.6318% | 3,292 |
| Return on assets (ROA) | 0.6501% | 3,209 |
| Pretax return on assets | 0.8196% | 3,050 |
| Return on Equity (ROE) | 6.2200% | 3,283 |
| Retained earnings to average equity (ytd only) | -17.4381% | 4,670 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4405% | 2,053 |
| Assets per employee ($millions) | 7.6093% | 1,620 |
| Cash dividends to net income (ytd only)* | 380.3571% | 63 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9031% | 172 |
| Loan loss allowance to noncurrent loans | 614.9682% | 1,299 |
| Noncurrent assets plus other real estate owned to assets | 0.1794% | 2,542 |
| Noncurrent loans to loans | 0.4721% | 1,842 |
| Net loans and leases to total assets | 36.9022% | 4,159 |
| Net loans and leases to deposits | 40.8496% | 4,218 |
| Net loans and leases to core deposits | 41.0550% | 4,276 |
| Total domestic deposits to total assets | 90.3368% | 1,364 |
| Equity capital to assets | 9.1690% | 2,555 |
| Core capital (leverage) ratio | 11.0533% | 1,484 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $172,275,000 | 3,329 |
| Average earning assets | $154,727,000 | 3,367 |
| Average equity | $18,006,500 | 3,326 |
| Average total loans | $69,504,000 | 3,631 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3213% | 3,140 |
| Cost of funding earning assets | 0.1860% | 3,590 |
| Net interest margin | 3.1354% | 2,782 |
| Noninterest income to average assets | 0.3999% | 3,049 |
| Noninterest expense to average assets | 2.3176% | 2,745 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.7346% | 3,534 |
| Return on assets (ROA) | 0.7360% | 3,589 |
| Pretax return on assets | 0.9378% | 3,397 |
| Return on Equity (ROE) | 6.1118% | 3,756 |
| Retained earnings to average equity (ytd only) | 3.1109% | 3,583 |
| Net charge-offs to loans | 0.2070% | 459 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 10.0258% | 2,228 |
| Efficiency ratio | 65.9385% | 2,268 |
| Assets per employee ($millions) | 6.7814% | 2,084 |
| Cash dividends to net income (ytd only)* | 49.0998% | 1,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6637% | 226 |
| Loan loss allowance to noncurrent loans | 294.8092% | 2,072 |
| Noncurrent assets plus other real estate owned to assets | 0.3863% | 1,681 |
| Noncurrent loans to loans | 0.9035% | 1,121 |
| Net loans and leases to total assets | 41.6207% | 3,998 |
| Net loans and leases to deposits | 47.4938% | 4,024 |
| Net loans and leases to core deposits | 47.7477% | 4,103 |
| Total domestic deposits to total assets | 87.6339% | 2,229 |
| Equity capital to assets | 11.7768% | 1,354 |
| Core capital (leverage) ratio | 11.7502% | 1,182 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $166,031,600 | 3,336 |
| Average earning assets | $151,114,200 | 3,370 |
| Average equity | $19,994,000 | 3,219 |
| Average total loans | $74,891,200 | 3,564 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2933% | 3,409 |
| Cost of funding earning assets | 0.1938% | 3,678 |
| Net interest margin | 3.0995% | 3,055 |
| Noninterest income to average assets | 0.4303% | 2,929 |
| Noninterest expense to average assets | 2.3210% | 2,687 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.7343% | 3,690 |
| Return on assets (ROA) | 0.7363% | 3,747 |
| Pretax return on assets | 0.9389% | 3,610 |
| Return on Equity (ROE) | 6.0795% | 3,887 |
| Retained earnings to average equity (ytd only) | 3.0798% | 3,882 |
| Net charge-offs to loans | 0.2791% | 289 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 7.3418% | 2,141 |
| Efficiency ratio | 65.4523% | 2,180 |
| Assets per employee ($millions) | 7.0372% | 1,839 |
| Cash dividends to net income (ytd only)* | 49.3421% | 1,222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7446% | 206 |
| Loan loss allowance to noncurrent loans | 332.4138% | 1,844 |
| Noncurrent assets plus other real estate owned to assets | 0.3434% | 2,066 |
| Noncurrent loans to loans | 0.8256% | 1,383 |
| Net loans and leases to total assets | 40.4519% | 4,185 |
| Net loans and leases to deposits | 46.2644% | 4,221 |
| Net loans and leases to core deposits | 46.5129% | 4,303 |
| Total domestic deposits to total assets | 87.4363% | 2,144 |
| Equity capital to assets | 12.0319% | 1,387 |
| Core capital (leverage) ratio | 11.9167% | 1,199 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $165,155,500 | 3,379 |
| Average earning assets | $150,644,500 | 3,406 |
| Average equity | $20,001,000 | 3,252 |
| Average total loans | $75,490,750 | 3,606 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1843% | 3,703 |
| Cost of funding earning assets | 0.2013% | 3,735 |
| Net interest margin | 2.9830% | 3,367 |
| Noninterest income to average assets | 0.4795% | 2,713 |
| Noninterest expense to average assets | 2.3623% | 2,580 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.6711% | 3,828 |
| Return on assets (ROA) | 0.6711% | 3,891 |
| Pretax return on assets | 0.8480% | 3,772 |
| Return on Equity (ROE) | 5.5292% | 4,018 |
| Retained earnings to average equity (ytd only) | 2.5133% | 3,996 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6549% | 1,921 |
| Assets per employee ($millions) | 6.2200% | 2,411 |
| Cash dividends to net income (ytd only)* | 54.5455% | 1,091 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8120% | 188 |
| Loan loss allowance to noncurrent loans | 108.3074% | 3,266 |
| Noncurrent assets plus other real estate owned to assets | 1.1909% | 577 |
| Noncurrent loans to loans | 2.5964% | 311 |
| Net loans and leases to total assets | 44.5801% | 4,007 |
| Net loans and leases to deposits | 51.1704% | 4,036 |
| Net loans and leases to core deposits | 51.4586% | 4,160 |
| Total domestic deposits to total assets | 87.1209% | 2,256 |
| Equity capital to assets | 12.3491% | 1,201 |
| Core capital (leverage) ratio | 11.9409% | 1,115 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $163,910,000 | 3,399 |
| Average earning assets | $150,048,667 | 3,414 |
| Average equity | $19,894,333 | 3,254 |
| Average total loans | $77,238,333 | 3,595 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9169% | 4,231 |
| Cost of funding earning assets | 0.2142% | 3,787 |
| Net interest margin | 2.7027% | 3,963 |
| Noninterest income to average assets | 0.3709% | 3,244 |
| Noninterest expense to average assets | 2.3660% | 2,605 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.4024% | 4,354 |
| Return on assets (ROA) | 0.4024% | 4,381 |
| Pretax return on assets | 0.4824% | 4,377 |
| Return on Equity (ROE) | 3.3441% | 4,405 |
| Retained earnings to average equity (ytd only) | 0.3223% | 4,326 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4255% | 1,095 |
| Assets per employee ($millions) | 6.4319% | 2,227 |
| Cash dividends to net income (ytd only)* | 90.3614% | 496 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7309% | 197 |
| Loan loss allowance to noncurrent loans | 103.2673% | 3,294 |
| Noncurrent assets plus other real estate owned to assets | 1.2139% | 613 |
| Noncurrent loans to loans | 2.6445% | 337 |
| Net loans and leases to total assets | 44.4295% | 4,088 |
| Net loans and leases to deposits | 50.6891% | 4,127 |
| Net loans and leases to core deposits | 51.0513% | 4,241 |
| Total domestic deposits to total assets | 87.6511% | 2,015 |
| Equity capital to assets | 11.6666% | 1,462 |
| Core capital (leverage) ratio | 11.5354% | 1,392 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $165,005,000 | 3,384 |
| Average earning assets | $151,255,500 | 3,402 |
| Average equity | $19,856,000 | 3,249 |
| Average total loans | $78,767,000 | 3,582 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1066% | 2,403 |
| Cost of funding earning assets | 0.3394% | 3,928 |
| Net interest margin | 3.7673% | 1,594 |
| Noninterest income to average assets | 0.3778% | 3,226 |
| Noninterest expense to average assets | 2.4525% | 2,984 |
| Loan and lease loss provision to assets | 0.3432% | 1,020 |
| Net operating income to assets | 0.8151% | 3,030 |
| Return on assets (ROA) | 0.8373% | 3,078 |
| Pretax return on assets | 1.0785% | 2,772 |
| Return on Equity (ROE) | 6.4708% | 3,419 |
| Retained earnings to average equity (ytd only) | 1.4194% | 4,059 |
| Net charge-offs to loans | 0.2663% | 649 |
| Credit loss provision to net charge-offs | 246.4789% | 1,953 |
| Earnings coverage of net charge-offs (x) | 10.0094% | 2,492 |
| Efficiency ratio | 58.4636% | 3,660 |
| Assets per employee ($millions) | 6.0289% | 2,314 |
| Cash dividends to net income (ytd only)* | 78.0640% | 700 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5706% | 240 |
| Loan loss allowance to noncurrent loans | 100.4333% | 3,337 |
| Noncurrent assets plus other real estate owned to assets | 1.2821% | 633 |
| Noncurrent loans to loans | 2.5595% | 389 |
| Net loans and leases to total assets | 48.5702% | 3,934 |
| Net loans and leases to deposits | 57.6702% | 3,909 |
| Net loans and leases to core deposits | 58.1102% | 4,045 |
| Total domestic deposits to total assets | 84.2205% | 3,047 |
| Equity capital to assets | 12.4105% | 1,363 |
| Core capital (leverage) ratio | 11.6670% | 1,386 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $152,986,000 | 3,366 |
| Average earning assets | $140,845,400 | 3,375 |
| Average equity | $19,796,600 | 3,207 |
| Average total loans | $79,989,200 | 3,557 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2632% | 2,212 |
| Cost of funding earning assets | 0.3675% | 3,962 |
| Net interest margin | 3.8956% | 1,362 |
| Noninterest income to average assets | 0.3693% | 3,240 |
| Noninterest expense to average assets | 2.4985% | 2,858 |
| Loan and lease loss provision to assets | 0.3767% | 980 |
| Net operating income to assets | 0.8388% | 2,954 |
| Return on assets (ROA) | 0.8689% | 2,963 |
| Pretax return on assets | 1.1186% | 2,680 |
| Return on Equity (ROE) | 6.6410% | 3,326 |
| Retained earnings to average equity (ytd only) | 1.5638% | 4,066 |
| Net charge-offs to loans | 0.3563% | 446 |
| Credit loss provision to net charge-offs | 199.5305% | 2,117 |
| Earnings coverage of net charge-offs (x) | 7.7230% | 2,552 |
| Efficiency ratio | 57.9266% | 3,675 |
| Assets per employee ($millions) | 6.3202% | 1,980 |
| Cash dividends to net income (ytd only)* | 76.4526% | 665 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3467% | 284 |
| Loan loss allowance to noncurrent loans | 64.7116% | 3,815 |
| Noncurrent assets plus other real estate owned to assets | 1.9516% | 348 |
| Noncurrent loans to loans | 3.6264% | 208 |
| Net loans and leases to total assets | 50.2924% | 4,084 |
| Net loans and leases to deposits | 59.3555% | 4,103 |
| Net loans and leases to core deposits | 59.7996% | 4,216 |
| Total domestic deposits to total assets | 84.7309% | 2,538 |
| Equity capital to assets | 12.2477% | 1,551 |
| Core capital (leverage) ratio | 11.9559% | 1,357 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $150,537,250 | 3,383 |
| Average earning assets | $138,578,750 | 3,385 |
| Average equity | $19,695,250 | 3,219 |
| Average total loans | $79,699,250 | 3,578 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5625% | 1,746 |
| Cost of funding earning assets | 0.3941% | 4,058 |
| Net interest margin | 4.1684% | 982 |
| Noninterest income to average assets | 0.3947% | 3,118 |
| Noninterest expense to average assets | 2.5640% | 2,784 |
| Loan and lease loss provision to assets | 0.4454% | 863 |
| Net operating income to assets | 0.9262% | 2,604 |
| Return on assets (ROA) | 0.9716% | 2,550 |
| Pretax return on assets | 1.2553% | 2,170 |
| Return on Equity (ROE) | 7.2526% | 3,033 |
| Retained earnings to average equity (ytd only) | 2.1379% | 3,699 |
| Net charge-offs to loans | 0.0359% | 2,018 |
| Credit loss provision to net charge-offs | 2,321.4286% | 430 |
| Earnings coverage of net charge-offs (x) | 85.6429% | 775 |
| Efficiency ratio | 55.8632% | 3,960 |
| Assets per employee ($millions) | 6.5930% | 1,712 |
| Cash dividends to net income (ytd only)* | 70.5219% | 927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4979% | 223 |
| Loan loss allowance to noncurrent loans | 73.3897% | 3,653 |
| Noncurrent assets plus other real estate owned to assets | 1.9645% | 373 |
| Noncurrent loans to loans | 3.4037% | 242 |
| Net loans and leases to total assets | 53.6692% | 3,904 |
| Net loans and leases to deposits | 64.3184% | 3,855 |
| Net loans and leases to core deposits | 64.4616% | 4,051 |
| Total domestic deposits to total assets | 83.4430% | 2,944 |
| Equity capital to assets | 13.2900% | 1,042 |
| Core capital (leverage) ratio | 12.7745% | 1,087 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $145,941,333 | 3,420 |
| Average earning assets | $133,479,000 | 3,426 |
| Average equity | $19,551,667 | 3,219 |
| Average total loans | $78,056,000 | 3,614 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0860% | 3,564 |
| Cost of funding earning assets | 0.4203% | 4,279 |
| Net interest margin | 3.6657% | 2,451 |
| Noninterest income to average assets | 0.4081% | 3,039 |
| Noninterest expense to average assets | 2.6053% | 2,967 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.8751% | 2,596 |
| Return on assets (ROA) | 0.8861% | 2,665 |
| Pretax return on assets | 1.1321% | 2,417 |
| Return on Equity (ROE) | 6.5867% | 3,101 |
| Retained earnings to average equity (ytd only) | 1.3921% | 3,637 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1141% | 3,217 |
| Assets per employee ($millions) | 5.4214% | 2,201 |
| Cash dividends to net income (ytd only)* | 78.8644% | 1,053 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4200% | 280 |
| Loan loss allowance to noncurrent loans | 210.6888% | 1,986 |
| Noncurrent assets plus other real estate owned to assets | 0.6953% | 1,927 |
| Noncurrent loans to loans | 1.1486% | 1,446 |
| Net loans and leases to total assets | 50.7478% | 4,199 |
| Net loans and leases to deposits | 59.1570% | 4,238 |
| Net loans and leases to core deposits | 59.4436% | 4,382 |
| Total domestic deposits to total assets | 85.7849% | 2,090 |
| Equity capital to assets | 13.5723% | 1,192 |
| Core capital (leverage) ratio | 13.1979% | 1,139 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $143,092,000 | 3,427 |
| Average earning assets | $129,417,500 | 3,451 |
| Average equity | $19,251,000 | 3,248 |
| Average total loans | $75,349,500 | 3,653 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2230% | 3,754 |
| Cost of funding earning assets | 0.4478% | 4,277 |
| Net interest margin | 3.7753% | 2,588 |
| Noninterest income to average assets | 0.4425% | 3,043 |
| Noninterest expense to average assets | 2.7696% | 2,691 |
| Loan and lease loss provision to assets | -0.4870% | 5,165 |
| Net operating income to assets | 1.2061% | 2,037 |
| Return on assets (ROA) | 1.2210% | 2,068 |
| Pretax return on assets | 1.6453% | 1,346 |
| Return on Equity (ROE) | 9.0990% | 2,709 |
| Retained earnings to average equity (ytd only) | 1.8405% | 4,062 |
| Net charge-offs to loans | 0.1779% | 1,132 |
| Credit loss provision to net charge-offs | -510.9489% | 4,432 |
| Earnings coverage of net charge-offs (x) | 11.9562% | 2,453 |
| Efficiency ratio | 65.2963% | 2,876 |
| Assets per employee ($millions) | 5.5857% | 1,989 |
| Cash dividends to net income (ytd only)* | 79.7721% | 804 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2922% | 290 |
| Loan loss allowance to noncurrent loans | 210.6888% | 2,004 |
| Noncurrent assets plus other real estate owned to assets | 0.5867% | 2,139 |
| Noncurrent loans to loans | 1.0880% | 1,391 |
| Net loans and leases to total assets | 52.0692% | 4,221 |
| Net loans and leases to deposits | 61.2528% | 4,232 |
| Net loans and leases to core deposits | 61.6679% | 4,359 |
| Total domestic deposits to total assets | 85.0070% | 2,489 |
| Equity capital to assets | 13.3383% | 1,345 |
| Core capital (leverage) ratio | 12.4841% | 1,494 |
| Tier 1 risk-based capital ratio | 19.3589% | 1,447 |
| Total risk-based capital ratio | 20.6159% | 1,408 |
| Memoranda: | ||
| Average total assets | $143,738,800 | 3,383 |
| Average earning assets | $131,991,200 | 3,391 |
| Average equity | $19,287,800 | 3,194 |
| Average total loans | $77,019,800 | 3,654 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2245% | 3,871 |
| Cost of funding earning assets | 0.4478% | 4,336 |
| Net interest margin | 3.7768% | 2,664 |
| Noninterest income to average assets | 0.4473% | 3,035 |
| Noninterest expense to average assets | 2.7137% | 2,826 |
| Loan and lease loss provision to assets | -0.6510% | 5,250 |
| Net operating income to assets | 1.3736% | 1,557 |
| Return on assets (ROA) | 1.3875% | 1,573 |
| Pretax return on assets | 1.8693% | 937 |
| Return on Equity (ROE) | 10.3248% | 2,285 |
| Retained earnings to average equity (ytd only) | 8.2488% | 1,298 |
| Net charge-offs to loans | 0.0451% | 2,193 |
| Credit loss provision to net charge-offs | -2,692.3077% | 4,564 |
| Earnings coverage of net charge-offs (x) | 49.6478% | 1,201 |
| Efficiency ratio | 63.7681% | 3,047 |
| Assets per employee ($millions) | 5.4161% | 2,111 |
| Cash dividends to net income (ytd only)* | 20.1073% | 3,036 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4242% | 244 |
| Loan loss allowance to noncurrent loans | 153.2520% | 2,565 |
| Noncurrent assets plus other real estate owned to assets | 0.8890% | 1,538 |
| Noncurrent loans to loans | 1.5818% | 933 |
| Net loans and leases to total assets | 51.8839% | 4,322 |
| Net loans and leases to deposits | 60.6034% | 4,358 |
| Net loans and leases to core deposits | 60.8840% | 4,501 |
| Total domestic deposits to total assets | 85.6123% | 2,163 |
| Equity capital to assets | 13.8017% | 1,231 |
| Core capital (leverage) ratio | 13.4967% | 1,133 |
| Tier 1 risk-based capital ratio | 19.9903% | 1,360 |
| Total risk-based capital ratio | 21.2489% | 1,333 |
| Memoranda: | ||
| Average total assets | $143,366,500 | 3,423 |
| Average earning assets | $131,608,750 | 3,434 |
| Average equity | $19,267,000 | 3,218 |
| Average total loans | $76,926,500 | 3,695 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2178% | 3,878 |
| Cost of funding earning assets | 0.4441% | 4,346 |
| Net interest margin | 3.7737% | 2,674 |
| Noninterest income to average assets | 0.4564% | 2,924 |
| Noninterest expense to average assets | 2.7091% | 2,874 |
| Loan and lease loss provision to assets | -0.9831% | 5,301 |
| Net operating income to assets | 1.6291% | 854 |
| Return on assets (ROA) | 1.6291% | 892 |
| Pretax return on assets | 2.1909% | 453 |
| Return on Equity (ROE) | 12.2352% | 1,495 |
| Retained earnings to average equity (ytd only) | 10.1257% | 720 |
| Net charge-offs to loans | 0.0678% | 1,686 |
| Credit loss provision to net charge-offs | -2,692.3077% | 4,418 |
| Earnings coverage of net charge-offs (x) | 33.0769% | 1,392 |
| Efficiency ratio | 63.5712% | 3,204 |
| Assets per employee ($millions) | 5.3987% | 2,048 |
| Cash dividends to net income (ytd only)* | 17.2414% | 3,106 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4842% | 225 |
| Loan loss allowance to noncurrent loans | 101.6721% | 3,311 |
| Noncurrent assets plus other real estate owned to assets | 1.3992% | 854 |
| Noncurrent loans to loans | 2.4433% | 494 |
| Net loans and leases to total assets | 52.7154% | 4,311 |
| Net loans and leases to deposits | 64.9432% | 4,164 |
| Net loans and leases to core deposits | 65.2720% | 4,345 |
| Total domestic deposits to total assets | 81.1715% | 3,759 |
| Equity capital to assets | 14.1750% | 1,061 |
| Core capital (leverage) ratio | 13.3490% | 1,169 |
| Tier 1 risk-based capital ratio | 19.9309% | 1,360 |
| Total risk-based capital ratio | 21.1894% | 1,334 |
| Memoranda: | ||
| Average total assets | $142,410,000 | 3,455 |
| Average earning assets | $130,588,670 | 3,468 |
| Average equity | $18,961,670 | 3,250 |
| Average total loans | $76,649,330 | 3,722 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1466% | 4,014 |
| Cost of funding earning assets | 0.4171% | 4,412 |
| Net interest margin | 3.7295% | 2,782 |
| Noninterest income to average assets | 0.4936% | 2,596 |
| Noninterest expense to average assets | 2.6159% | 3,168 |
| Loan and lease loss provision to assets | -1.9522% | 5,360 |
| Net operating income to assets | 2.4067% | 191 |
| Return on assets (ROA) | 2.4067% | 202 |
| Pretax return on assets | 3.2461% | 107 |
| Return on Equity (ROE) | 18.6655% | 346 |
| Retained earnings to average equity (ytd only) | 16.5026% | 202 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3409% | 3,634 |
| Assets per employee ($millions) | 4.8681% | 2,680 |
| Cash dividends to net income (ytd only)* | 11.5875% | 2,623 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5489% | 231 |
| Loan loss allowance to noncurrent loans | 122.3431% | 3,036 |
| Noncurrent assets plus other real estate owned to assets | 1.1560% | 1,174 |
| Noncurrent loans to loans | 2.0834% | 706 |
| Net loans and leases to total assets | 51.7531% | 4,355 |
| Net loans and leases to deposits | 61.0706% | 4,354 |
| Net loans and leases to core deposits | 61.2241% | 4,520 |
| Total domestic deposits to total assets | 84.7432% | 2,771 |
| Equity capital to assets | 13.5398% | 1,195 |
| Core capital (leverage) ratio | 13.0376% | 1,257 |
| Tier 1 risk-based capital ratio | 19.6812% | 1,404 |
| Total risk-based capital ratio | 20.9401% | 1,379 |
| Memoranda: | ||
| Average total assets | $143,431,500 | 3,473 |
| Average earning assets | $131,385,000 | 3,496 |
| Average equity | $18,494,000 | 3,313 |
| Average total loans | $77,034,000 | 3,753 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4727% | 2,542 |
| Cost of funding earning assets | 0.3123% | 4,501 |
| Net interest margin | 4.1604% | 1,503 |
| Noninterest income to average assets | 0.3523% | 3,745 |
| Noninterest expense to average assets | 2.6912% | 3,051 |
| Loan and lease loss provision to assets | 0.0907% | 2,332 |
| Net operating income to assets | 1.0646% | 2,743 |
| Return on assets (ROA) | 1.0646% | 2,727 |
| Pretax return on assets | 1.3566% | 2,287 |
| Return on Equity (ROE) | 8.0814% | 3,396 |
| Retained earnings to average equity (ytd only) | -2.6795% | 5,165 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6849% | 3,913 |
| Assets per employee ($millions) | 5.0237% | 2,470 |
| Cash dividends to net income (ytd only)* | 133.1558% | 118 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3011% | 97 |
| Loan loss allowance to noncurrent loans | 111.5812% | 3,250 |
| Noncurrent assets plus other real estate owned to assets | 1.6542% | 663 |
| Noncurrent loans to loans | 2.9585% | 349 |
| Net loans and leases to total assets | 52.4982% | 4,383 |
| Net loans and leases to deposits | 62.1757% | 4,367 |
| Net loans and leases to core deposits | 62.5843% | 4,514 |
| Total domestic deposits to total assets | 84.4351% | 2,857 |
| Equity capital to assets | 12.2681% | 1,716 |
| Core capital (leverage) ratio | 12.2573% | 1,582 |
| Tier 1 risk-based capital ratio | 18.0796% | 1,736 |
| Total risk-based capital ratio | 19.3469% | 1,688 |
| Memoranda: | ||
| Average total assets | $141,087,800 | 3,488 |
| Average earning assets | $128,401,800 | 3,517 |
| Average equity | $18,585,800 | 3,231 |
| Average total loans | $77,432,200 | 3,717 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5601% | 2,105 |
| Cost of funding earning assets | 0.3068% | 4,471 |
| Net interest margin | 4.2533% | 1,227 |
| Noninterest income to average assets | 0.3706% | 3,654 |
| Noninterest expense to average assets | 2.7421% | 2,834 |
| Loan and lease loss provision to assets | 0.1077% | 1,860 |
| Net operating income to assets | 1.0890% | 2,713 |
| Return on assets (ROA) | 1.0890% | 2,725 |
| Pretax return on assets | 1.3911% | 2,263 |
| Return on Equity (ROE) | 8.1217% | 3,501 |
| Retained earnings to average equity (ytd only) | 8.1217% | 1,595 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4024% | 3,906 |
| Assets per employee ($millions) | 5.0575% | 2,401 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3385% | 100 |
| Loan loss allowance to noncurrent loans | 165.7727% | 2,575 |
| Noncurrent assets plus other real estate owned to assets | 1.1393% | 1,250 |
| Noncurrent loans to loans | 2.0139% | 726 |
| Net loans and leases to total assets | 51.2477% | 4,516 |
| Net loans and leases to deposits | 59.5321% | 4,578 |
| Net loans and leases to core deposits | 60.0356% | 4,702 |
| Total domestic deposits to total assets | 86.0842% | 2,151 |
| Equity capital to assets | 13.0267% | 1,324 |
| Core capital (leverage) ratio | 13.9282% | 956 |
| Tier 1 risk-based capital ratio | 19.8548% | 1,365 |
| Total risk-based capital ratio | 21.1225% | 1,328 |
| Memoranda: | ||
| Average total assets | $139,938,000 | 3,544 |
| Average earning assets | $127,332,500 | 3,573 |
| Average equity | $18,764,000 | 3,227 |
| Average total loans | $77,016,750 | 3,759 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7699% | 1,330 |
| Cost of funding earning assets | 0.3013% | 4,406 |
| Net interest margin | 4.4685% | 738 |
| Noninterest income to average assets | 0.3297% | 3,984 |
| Noninterest expense to average assets | 2.8512% | 2,498 |
| Loan and lease loss provision to assets | 0.0436% | 3,022 |
| Net operating income to assets | 1.1576% | 2,360 |
| Return on assets (ROA) | 1.1576% | 2,361 |
| Pretax return on assets | 1.4844% | 1,871 |
| Return on Equity (ROE) | 8.5469% | 3,235 |
| Retained earnings to average equity (ytd only) | 8.5469% | 1,382 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.9337% | 3,948 |
| Assets per employee ($millions) | 4.6431% | 2,899 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2866% | 108 |
| Loan loss allowance to noncurrent loans | 86.0911% | 3,736 |
| Noncurrent assets plus other real estate owned to assets | 2.4278% | 366 |
| Noncurrent loans to loans | 3.8176% | 240 |
| Net loans and leases to total assets | 54.9194% | 4,255 |
| Net loans and leases to deposits | 67.1531% | 4,088 |
| Net loans and leases to core deposits | 67.8251% | 4,263 |
| Total domestic deposits to total assets | 81.7824% | 3,784 |
| Equity capital to assets | 14.0498% | 919 |
| Core capital (leverage) ratio | 14.0947% | 885 |
| Tier 1 risk-based capital ratio | 19.9049% | 1,334 |
| Total risk-based capital ratio | 21.1717% | 1,307 |
| Memoranda: | ||
| Average total assets | $137,694,670 | 3,602 |
| Average earning assets | $124,783,670 | 3,635 |
| Average equity | $18,650,000 | 3,259 |
| Average total loans | $76,769,000 | 3,783 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0095% | 3,574 |
| Cost of funding earning assets | 0.2794% | 4,510 |
| Net interest margin | 3.7301% | 2,689 |
| Noninterest income to average assets | 0.3879% | 3,550 |
| Noninterest expense to average assets | 2.9738% | 2,131 |
| Loan and lease loss provision to assets | 0.0431% | 2,896 |
| Net operating income to assets | 0.6264% | 4,350 |
| Return on assets (ROA) | 0.6264% | 4,361 |
| Pretax return on assets | 0.7470% | 4,306 |
| Return on Equity (ROE) | 4.7094% | 4,578 |
| Retained earnings to average equity (ytd only) | 4.7094% | 3,307 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0534% | 2,035 |
| Assets per employee ($millions) | 4.8549% | 2,674 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3272% | 104 |
| Loan loss allowance to noncurrent loans | 93.4530% | 3,587 |
| Noncurrent assets plus other real estate owned to assets | 2.2878% | 442 |
| Noncurrent loans to loans | 3.5603% | 289 |
| Net loans and leases to total assets | 53.3920% | 4,337 |
| Net loans and leases to deposits | 62.8360% | 4,282 |
| Net loans and leases to core deposits | 64.1773% | 4,414 |
| Total domestic deposits to total assets | 84.9704% | 2,939 |
| Equity capital to assets | 13.5003% | 1,046 |
| Core capital (leverage) ratio | 13.3649% | 1,050 |
| Tier 1 risk-based capital ratio | 19.1526% | 1,519 |
| Total risk-based capital ratio | 20.4198% | 1,468 |
| Memoranda: | ||
| Average total assets | $139,217,000 | 3,621 |
| Average earning assets | $126,001,500 | 3,647 |
| Average equity | $18,516,000 | 3,305 |
| Average total loans | $76,922,500 | 3,808 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1937% | 2,707 |
| Cost of funding earning assets | 0.2690% | 4,407 |
| Net interest margin | 3.9247% | 2,010 |
| Noninterest income to average assets | 0.1808% | 5,052 |
| Noninterest expense to average assets | 2.8746% | 2,539 |
| Loan and lease loss provision to assets | 0.2136% | 931 |
| Net operating income to assets | 0.2150% | 5,079 |
| Return on assets (ROA) | 0.2150% | 5,099 |
| Pretax return on assets | 0.6243% | 4,686 |
| Return on Equity (ROE) | 1.6097% | 5,135 |
| Retained earnings to average equity (ytd only) | 1.6097% | 4,342 |
| Net charge-offs to loans | 0.2440% | 1,067 |
| Credit loss provision to net charge-offs | 163.0435% | 1,644 |
| Earnings coverage of net charge-offs (x) | 6.3967% | 3,188 |
| Efficiency ratio | 71.4477% | 2,309 |
| Assets per employee ($millions) | 4.9137% | 2,581 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1523% | 122 |
| Loan loss allowance to noncurrent loans | 98.3366% | 3,563 |
| Noncurrent assets plus other real estate owned to assets | 2.1011% | 518 |
| Noncurrent loans to loans | 3.2057% | 333 |
| Net loans and leases to total assets | 53.5341% | 4,400 |
| Net loans and leases to deposits | 64.6683% | 4,283 |
| Net loans and leases to core deposits | 66.0176% | 4,412 |
| Total domestic deposits to total assets | 82.7827% | 3,632 |
| Equity capital to assets | 13.1091% | 1,213 |
| Core capital (leverage) ratio | 12.8412% | 1,202 |
| Tier 1 risk-based capital ratio | 18.6609% | 1,600 |
| Total risk-based capital ratio | 19.9265% | 1,551 |
| Memoranda: | ||
| Average total assets | $140,470,000 | 3,609 |
| Average earning assets | $126,403,200 | 3,645 |
| Average equity | $18,761,600 | 3,267 |
| Average total loans | $75,395,800 | 3,837 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2256% | 2,530 |
| Cost of funding earning assets | 0.2669% | 4,431 |
| Net interest margin | 3.9586% | 1,836 |
| Noninterest income to average assets | 0.1667% | 5,184 |
| Noninterest expense to average assets | 2.9064% | 2,381 |
| Loan and lease loss provision to assets | 0.2143% | 879 |
| Net operating income to assets | 0.4754% | 4,811 |
| Return on assets (ROA) | 0.4754% | 4,849 |
| Pretax return on assets | 0.6059% | 4,831 |
| Return on Equity (ROE) | 3.5423% | 4,970 |
| Retained earnings to average equity (ytd only) | 3.5423% | 3,805 |
| Net charge-offs to loans | 0.1306% | 1,483 |
| Credit loss provision to net charge-offs | 308.2192% | 965 |
| Earnings coverage of net charge-offs (x) | 11.7946% | 2,475 |
| Efficiency ratio | 72.0092% | 2,203 |
| Assets per employee ($millions) | 4.9087% | 2,568 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3092% | 111 |
| Loan loss allowance to noncurrent loans | 75.4643% | 4,015 |
| Noncurrent assets plus other real estate owned to assets | 2.8977% | 319 |
| Noncurrent loans to loans | 4.3852% | 208 |
| Net loans and leases to total assets | 51.7035% | 4,591 |
| Net loans and leases to deposits | 60.3272% | 4,625 |
| Net loans and leases to core deposits | 61.5372% | 4,741 |
| Total domestic deposits to total assets | 85.7052% | 2,427 |
| Equity capital to assets | 13.5263% | 1,147 |
| Core capital (leverage) ratio | 12.9458% | 1,228 |
| Tier 1 risk-based capital ratio | 18.6261% | 1,700 |
| Total risk-based capital ratio | 19.8939% | 1,643 |
| Memoranda: | ||
| Average total assets | $139,963,500 | 3,648 |
| Average earning assets | $125,865,250 | 3,683 |
| Average equity | $18,782,000 | 3,293 |
| Average total loans | $74,553,000 | 3,885 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3594% | 1,943 |
| Cost of funding earning assets | 0.2679% | 4,391 |
| Net interest margin | 4.0916% | 1,346 |
| Noninterest income to average assets | 0.1308% | 5,400 |
| Noninterest expense to average assets | 2.9288% | 2,330 |
| Loan and lease loss provision to assets | 0.2156% | 825 |
| Net operating income to assets | 0.5059% | 4,688 |
| Return on assets (ROA) | 0.5059% | 4,724 |
| Pretax return on assets | 0.6525% | 4,679 |
| Return on Equity (ROE) | 3.7800% | 4,884 |
| Retained earnings to average equity (ytd only) | 3.7800% | 3,435 |
| Net charge-offs to loans | 0.0081% | 3,167 |
| Credit loss provision to net charge-offs | 5,000.0000% | 91 |
| Earnings coverage of net charge-offs (x) | 201.3333% | 411 |
| Efficiency ratio | 71.2339% | 2,477 |
| Assets per employee ($millions) | 4.7048% | 2,783 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4156% | 107 |
| Loan loss allowance to noncurrent loans | 64.3955% | 4,280 |
| Noncurrent assets plus other real estate owned to assets | 3.5965% | 214 |
| Noncurrent loans to loans | 5.3041% | 132 |
| Net loans and leases to total assets | 52.1043% | 4,560 |
| Net loans and leases to deposits | 62.3744% | 4,478 |
| Net loans and leases to core deposits | 63.8621% | 4,615 |
| Total domestic deposits to total assets | 83.5346% | 3,391 |
| Equity capital to assets | 14.0445% | 951 |
| Core capital (leverage) ratio | 13.2375% | 1,088 |
| Tier 1 risk-based capital ratio | 19.3499% | 1,507 |
| Total risk-based capital ratio | 20.6169% | 1,452 |
| Memoranda: | ||
| Average total assets | $139,167,330 | 3,679 |
| Average earning assets | $124,695,670 | 3,727 |
| Average equity | $18,624,330 | 3,314 |
| Average total loans | $74,030,670 | 3,920 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9015% | 3,398 |
| Cost of funding earning assets | 0.2648% | 4,408 |
| Net interest margin | 3.6368% | 2,748 |
| Noninterest income to average assets | 0.2419% | 4,801 |
| Noninterest expense to average assets | 2.8236% | 2,708 |
| Loan and lease loss provision to assets | 0.2135% | 758 |
| Net operating income to assets | 0.3786% | 5,007 |
| Return on assets (ROA) | 0.3786% | 5,030 |
| Pretax return on assets | 0.4497% | 5,059 |
| Return on Equity (ROE) | 2.8983% | 5,131 |
| Retained earnings to average equity (ytd only) | 2.8983% | 3,969 |
| Net charge-offs to loans | 0.0162% | 2,472 |
| Credit loss provision to net charge-offs | 2,500.0000% | 134 |
| Earnings coverage of net charge-offs (x) | 77.6667% | 667 |
| Efficiency ratio | 74.6122% | 2,123 |
| Assets per employee ($millions) | 4.8081% | 2,686 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2531% | 138 |
| Loan loss allowance to noncurrent loans | 93.9161% | 3,717 |
| Noncurrent assets plus other real estate owned to assets | 2.6507% | 411 |
| Noncurrent loans to loans | 3.4639% | 355 |
| Net loans and leases to total assets | 52.0210% | 4,514 |
| Net loans and leases to deposits | 61.2523% | 4,477 |
| Net loans and leases to core deposits | 62.6620% | 4,609 |
| Total domestic deposits to total assets | 84.9291% | 3,116 |
| Equity capital to assets | 13.2772% | 1,158 |
| Core capital (leverage) ratio | 12.7055% | 1,249 |
| Tier 1 risk-based capital ratio | 18.4826% | 1,748 |
| Total risk-based capital ratio | 19.7529% | 1,703 |
| Memoranda: | ||
| Average total assets | $140,532,000 | 3,688 |
| Average earning assets | $125,386,500 | 3,746 |
| Average equity | $18,355,500 | 3,361 |
| Average total loans | $74,244,000 | 3,947 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2918% | 363 |
| Cost of funding earning assets | 0.2148% | 4,885 |
| Net interest margin | 5.0770% | 223 |
| Noninterest income to average assets | 0.4632% | 3,461 |
| Noninterest expense to average assets | 3.0375% | 2,231 |
| Loan and lease loss provision to assets | 1.5370% | 57 |
| Net operating income to assets | 0.3053% | 5,210 |
| Return on assets (ROA) | 0.3696% | 5,116 |
| Pretax return on assets | 0.4425% | 5,137 |
| Return on Equity (ROE) | 2.7598% | 5,224 |
| Retained earnings to average equity (ytd only) | 2.7598% | 3,937 |
| Net charge-offs to loans | 0.0155% | 3,776 |
| Credit loss provision to net charge-offs | 21,500.0000% | 15 |
| Earnings coverage of net charge-offs (x) | 266.2000% | 269 |
| Efficiency ratio | 56.9672% | 4,954 |
| Assets per employee ($millions) | 4.8838% | 2,521 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2198% | 141 |
| Loan loss allowance to noncurrent loans | 80.1829% | 3,999 |
| Noncurrent assets plus other real estate owned to assets | 3.0050% | 336 |
| Noncurrent loans to loans | 4.0156% | 257 |
| Net loans and leases to total assets | 50.2344% | 4,752 |
| Net loans and leases to deposits | 58.8074% | 4,746 |
| Net loans and leases to core deposits | 60.4190% | 4,842 |
| Total domestic deposits to total assets | 85.4219% | 2,869 |
| Equity capital to assets | 12.8490% | 1,326 |
| Core capital (leverage) ratio | 11.9316% | 1,643 |
| Tier 1 risk-based capital ratio | 18.2931% | 1,777 |
| Total risk-based capital ratio | 19.5768% | 1,734 |
| Memoranda: | ||
| Average total assets | $139,886,400 | 3,675 |
| Average earning assets | $123,360,200 | 3,761 |
| Average equity | $18,733,400 | 3,309 |
| Average total loans | $64,677,400 | 4,166 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7865% | 170 |
| Cost of funding earning assets | 0.1920% | 5,153 |
| Net interest margin | 5.5945% | 97 |
| Noninterest income to average assets | 0.4771% | 3,397 |
| Noninterest expense to average assets | 3.1408% | 1,927 |
| Loan and lease loss provision to assets | 1.9839% | 38 |
| Net operating income to assets | 0.2456% | 5,398 |
| Return on assets (ROA) | 0.3346% | 5,275 |
| Pretax return on assets | 0.3853% | 5,333 |
| Return on Equity (ROE) | 2.4734% | 5,359 |
| Retained earnings to average equity (ytd only) | 2.4734% | 4,439 |
| Net charge-offs to loans | 0.0213% | 3,262 |
| Credit loss provision to net charge-offs | 20,750.0000% | 19 |
| Earnings coverage of net charge-offs (x) | 237.1530% | 331 |
| Efficiency ratio | 53.9427% | 5,244 |
| Assets per employee ($millions) | 4.9434% | 2,428 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2635% | 140 |
| Loan loss allowance to noncurrent loans | 38.6314% | 4,998 |
| Noncurrent assets plus other real estate owned to assets | 5.6362% | 109 |
| Noncurrent loans to loans | 8.4477% | 51 |
| Net loans and leases to total assets | 47.3915% | 5,002 |
| Net loans and leases to deposits | 55.4314% | 5,030 |
| Net loans and leases to core deposits | 56.8032% | 5,108 |
| Total domestic deposits to total assets | 85.4959% | 2,605 |
| Equity capital to assets | 13.3030% | 1,343 |
| Core capital (leverage) ratio | 12.1672% | 1,562 |
| Tier 1 risk-based capital ratio | 18.5660% | 1,775 |
| Total risk-based capital ratio | 19.8439% | 1,730 |
| Memoranda: | ||
| Average total assets | $139,450,500 | 3,705 |
| Average earning assets | $122,904,250 | 3,799 |
| Average equity | $18,867,250 | 3,309 |
| Average total loans | $62,468,250 | 4,239 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7883% | 62 |
| Cost of funding earning assets | 0.1480% | 5,556 |
| Net interest margin | 6.6403% | 47 |
| Noninterest income to average assets | 0.6066% | 2,585 |
| Noninterest expense to average assets | 3.2096% | 1,787 |
| Loan and lease loss provision to assets | 2.8955% | 23 |
| Net operating income to assets | 0.2875% | 5,357 |
| Return on assets (ROA) | 0.3836% | 5,162 |
| Pretax return on assets | 0.4618% | 5,220 |
| Return on Equity (ROE) | 2.8192% | 5,295 |
| Retained earnings to average equity (ytd only) | 2.8192% | 4,106 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.2522% | 5,744 |
| Assets per employee ($millions) | 4.6737% | 2,762 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4464% | 129 |
| Loan loss allowance to noncurrent loans | 46.6876% | 4,892 |
| Noncurrent assets plus other real estate owned to assets | 5.3270% | 132 |
| Noncurrent loans to loans | 7.3817% | 82 |
| Net loans and leases to total assets | 46.0335% | 5,122 |
| Net loans and leases to deposits | 54.3267% | 5,117 |
| Net loans and leases to core deposits | 55.4650% | 5,203 |
| Total domestic deposits to total assets | 84.7347% | 2,986 |
| Equity capital to assets | 14.0723% | 1,001 |
| Core capital (leverage) ratio | 12.3103% | 1,450 |
| Tier 1 risk-based capital ratio | 20.2135% | 1,413 |
| Total risk-based capital ratio | 21.4945% | 1,372 |
| Memoranda: | ||
| Average total assets | $138,147,670 | 3,746 |
| Average earning assets | $121,591,330 | 3,850 |
| Average equity | $18,799,330 | 3,326 |
| Average total loans | $59,880,330 | 4,354 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9926% | 3,250 |
| Cost of funding earning assets | 0.1173% | 5,828 |
| Net interest margin | 3.8752% | 2,010 |
| Noninterest income to average assets | 1.0269% | 1,021 |
| Noninterest expense to average assets | 3.2613% | 1,689 |
| Loan and lease loss provision to assets | 0.3585% | 414 |
| Net operating income to assets | 0.5784% | 4,278 |
| Return on assets (ROA) | 0.6884% | 3,883 |
| Pretax return on assets | 0.9724% | 3,574 |
| Return on Equity (ROE) | 5.1440% | 4,421 |
| Retained earnings to average equity (ytd only) | 5.1440% | 2,848 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4551% | 3,387 |
| Assets per employee ($millions) | 4.9606% | 2,383 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6041% | 5,739 |
| Loan loss allowance to noncurrent loans | 14.7280% | 5,487 |
| Noncurrent assets plus other real estate owned to assets | 3.9410% | 262 |
| Noncurrent loans to loans | 4.1019% | 287 |
| Net loans and leases to total assets | 41.6946% | 5,365 |
| Net loans and leases to deposits | 48.8664% | 5,390 |
| Net loans and leases to core deposits | 49.8579% | 5,442 |
| Total domestic deposits to total assets | 85.3238% | 2,993 |
| Equity capital to assets | 13.5603% | 1,155 |
| Core capital (leverage) ratio | 12.2267% | 1,483 |
| Tier 1 risk-based capital ratio | 21.5256% | 1,229 |
| Total risk-based capital ratio | 21.9788% | 1,332 |
| Memoranda: | ||
| Average total assets | $139,453,500 | 3,757 |
| Average earning assets | $122,728,000 | 3,854 |
| Average equity | $18,662,500 | 3,352 |
| Average total loans | $57,511,000 | 4,458 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2321% | 6,069 |
| Cost of funding earning assets | 0.0938% | 5,986 |
| Net interest margin | 2.1383% | 6,009 |
| Noninterest income to average assets | 0.1754% | 5,534 |
| Noninterest expense to average assets | 1.8365% | 5,692 |
| Loan and lease loss provision to assets | 0.1687% | 1,358 |
| Net operating income to assets | 0.0662% | 5,796 |
| Return on assets (ROA) | 0.1509% | 5,727 |
| Pretax return on assets | 0.1932% | 5,692 |
| Return on Equity (ROE) | 2.3649% | 5,481 |
| Retained earnings to average equity (ytd only) | 2.3649% | 4,372 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.1750% | 1,165 |
| Assets per employee ($millions) | 4.8279% | 2,563 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4000% | 5,994 |
| Loan loss allowance to noncurrent loans | 6.0437% | 5,560 |
| Noncurrent assets plus other real estate owned to assets | 4.2804% | 236 |
| Noncurrent loans to loans | 6.6177% | 119 |
| Net loans and leases to total assets | 40.3760% | 5,490 |
| Net loans and leases to deposits | 47.0730% | 5,517 |
| Net loans and leases to core deposits | 48.1242% | 5,561 |
| Total domestic deposits to total assets | 85.7731% | 2,747 |
| Equity capital to assets | 13.2063% | 1,256 |
| Core capital (leverage) ratio | 11.9825% | 1,628 |
| Tier 1 risk-based capital ratio | 22.4625% | 1,090 |
| Total risk-based capital ratio | 22.7642% | 1,195 |
| Memoranda: | ||
| Average total assets | $134,548,000 | 3,809 |
| Average earning assets | $120,470,600 | 3,873 |
| Average equity | $8,584,000 | 4,942 |
| Average total loans | $67,532,600 | 4,157 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2918% | 6,232 |
| Cost of funding earning assets | 0.0823% | 6,112 |
| Net interest margin | 1.2095% | 6,225 |
| Noninterest income to average assets | 0.1992% | 5,449 |
| Noninterest expense to average assets | 1.0722% | 6,202 |
| Loan and lease loss provision to assets | 0.1872% | 1,092 |
| Net operating income to assets | 0.0239% | 5,917 |
| Return on assets (ROA) | 0.0601% | 5,926 |
| Pretax return on assets | 0.0731% | 5,913 |
| Return on Equity (ROE) | 1.3099% | 5,812 |
| Retained earnings to average equity (ytd only) | 1.3099% | 5,193 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.1966% | 1,500 |
| Assets per employee ($millions) | 4.7009% | 2,706 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3319% | 6,128 |
| Loan loss allowance to noncurrent loans | 4.3048% | 5,665 |
| Noncurrent assets plus other real estate owned to assets | 4.7603% | 217 |
| Noncurrent loans to loans | 7.7103% | 77 |
| Net loans and leases to total assets | 38.5330% | 5,669 |
| Net loans and leases to deposits | 44.6009% | 5,703 |
| Net loans and leases to core deposits | 45.5499% | 5,744 |
| Total domestic deposits to total assets | 86.3951% | 2,328 |
| Equity capital to assets | 12.6469% | 1,656 |
| Core capital (leverage) ratio | 11.6869% | 1,899 |
| Tier 1 risk-based capital ratio | 22.5130% | 1,122 |
| Total risk-based capital ratio | 22.7648% | 1,243 |
| Memoranda: | ||
| Average total assets | $133,182,750 | 3,878 |
| Average earning assets | $119,934,000 | 3,921 |
| Average equity | $6,107,500 | 5,479 |
| Average total loans | $70,226,500 | 4,127 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4720% | 5,059 |
| Cost of funding earning assets | 0.3446% | 3,871 |
| Net interest margin | 3.1274% | 4,892 |
| Noninterest income to average assets | 4.2480% | 153 |
| Noninterest expense to average assets | 4.3860% | 461 |
| Loan and lease loss provision to assets | 2.7659% | 18 |
| Net operating income to assets | -0.0620% | 6,033 |
| Return on assets (ROA) | -0.0620% | 6,063 |
| Pretax return on assets | -0.0620% | 6,053 |
| Return on Equity (ROE) | -4.0000% | 6,175 |
| Retained earnings to average equity (ytd only) | -4.0000% | 5,974 |
| Net charge-offs to loans | 3.1821% | 35 |
| Credit loss provision to net charge-offs | 149.7901% | 1,538 |
| Earnings coverage of net charge-offs (x) | 1.4643% | 3,507 |
| Efficiency ratio | 61.8631% | 4,693 |
| Assets per employee ($millions) | 3.8280% | 4,208 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.9336% | 41 |
| Loan loss allowance to noncurrent loans | 38.2156% | 5,299 |
| Noncurrent assets plus other real estate owned to assets | 11.0664% | 50 |
| Noncurrent loans to loans | 15.5267% | 21 |
| Net loans and leases to total assets | 52.4397% | 4,714 |
| Net loans and leases to deposits | 54.7261% | 5,209 |
| Net loans and leases to core deposits | 55.7535% | 5,327 |
| Total domestic deposits to total assets | 95.8219% | 8 |
| Equity capital to assets | 2.2107% | 6,339 |
| Core capital (leverage) ratio | 2.2409% | 6,340 |
| Tier 1 risk-based capital ratio | 3.5271% | 6,339 |
| Total risk-based capital ratio | 4.8253% | 6,339 |
| Memoranda: | ||
| Average total assets | $129,001,330 | 3,982 |
| Average earning assets | $117,223,330 | 4,008 |
| Average equity | $2,000,000 | 6,254 |
| Average total loans | $74,855,330 | 4,035 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5078% | 4,938 |
| Cost of funding earning assets | 0.3428% | 3,955 |
| Net interest margin | 3.1650% | 4,732 |
| Noninterest income to average assets | 0.4325% | 3,749 |
| Noninterest expense to average assets | 4.0317% | 660 |
| Loan and lease loss provision to assets | 5.3957% | 4 |
| Net operating income to assets | -6.1186% | 6,408 |
| Return on assets (ROA) | -6.1186% | 6,408 |
| Pretax return on assets | -6.1186% | 6,408 |
| Return on Equity (ROE) | -491.6160% | 6,418 |
| Retained earnings to average equity (ytd only) | -491.6160% | 6,418 |
| Net charge-offs to loans | 1.0443% | 228 |
| Credit loss provision to net charge-offs | 874.5098% | 363 |
| Earnings coverage of net charge-offs (x) | -1.1716% | 3,182 |
| Efficiency ratio | 121.8464% | 117 |
| Assets per employee ($millions) | 4.1579% | 3,639 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.5987% | 24 |
| Loan loss allowance to noncurrent loans | 40.0779% | 5,299 |
| Noncurrent assets plus other real estate owned to assets | 12.1511% | 49 |
| Noncurrent loans to loans | 16.4646% | 20 |
| Net loans and leases to total assets | 55.3362% | 4,281 |
| Net loans and leases to deposits | 58.2169% | 4,897 |
| Net loans and leases to core deposits | 59.2632% | 5,055 |
| Total domestic deposits to total assets | 95.0517% | 14 |
| Equity capital to assets | 0.5330% | 6,417 |
| Core capital (leverage) ratio | 0.6339% | 6,418 |
| Tier 1 risk-based capital ratio | 0.9457% | 6,418 |
| Total risk-based capital ratio | 2.2492% | 6,418 |
| Memoranda: | ||
| Average total assets | $132,253,500 | 3,951 |
| Average earning assets | $120,191,000 | 3,969 |
| Average equity | $1,646,000 | 6,361 |
| Average total loans | $78,138,500 | 3,956 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9895% | 3,765 |
| Cost of funding earning assets | 0.4230% | 3,448 |
| Net interest margin | 3.5665% | 3,535 |
| Noninterest income to average assets | -0.8573% | 6,503 |
| Noninterest expense to average assets | 3.5421% | 1,402 |
| Loan and lease loss provision to assets | 0.5540% | 265 |
| Net operating income to assets | -1.7307% | 6,446 |
| Return on assets (ROA) | -1.7307% | 6,448 |
| Pretax return on assets | -1.7447% | 6,439 |
| Return on Equity (ROE) | -90.5385% | 6,501 |
| Retained earnings to average equity (ytd only) | -90.5385% | 6,501 |
| Net charge-offs to loans | 2.1434% | 86 |
| Credit loss provision to net charge-offs | 43.5190% | 3,614 |
| Earnings coverage of net charge-offs (x) | -0.9355% | 4,795 |
| Efficiency ratio | 150.6420% | 53 |
| Assets per employee ($millions) | 3.9886% | 3,980 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3285% | 103 |
| Loan loss allowance to noncurrent loans | 46.0218% | 5,219 |
| Noncurrent assets plus other real estate owned to assets | 7.7109% | 123 |
| Noncurrent loans to loans | 9.4052% | 76 |
| Net loans and leases to total assets | 56.3766% | 4,277 |
| Net loans and leases to deposits | 59.8405% | 4,915 |
| Net loans and leases to core deposits | 60.8158% | 5,076 |
| Total domestic deposits to total assets | 94.2115% | 27 |
| Equity capital to assets | 1.9209% | 6,503 |
| Core capital (leverage) ratio | 2.0870% | 6,504 |
| Tier 1 risk-based capital ratio | 3.4698% | 6,503 |
| Total risk-based capital ratio | 4.7559% | 6,502 |
| Memoranda: | ||
| Average total assets | $142,430,400 | 3,752 |
| Average earning assets | $128,135,800 | 3,805 |
| Average equity | $2,722,600 | 6,318 |
| Average total loans | $84,583,800 | 3,753 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9870% | 3,809 |
| Cost of funding earning assets | 0.4459% | 3,300 |
| Net interest margin | 3.5411% | 3,665 |
| Noninterest income to average assets | -0.2192% | 6,558 |
| Noninterest expense to average assets | 3.8297% | 932 |
| Loan and lease loss provision to assets | 0.7299% | 172 |
| Net operating income to assets | -1.5800% | 6,506 |
| Return on assets (ROA) | -1.5800% | 6,503 |
| Pretax return on assets | -1.5975% | 6,496 |
| Return on Equity (ROE) | -82.7500% | 6,576 |
| Retained earnings to average equity (ytd only) | -82.7500% | 6,576 |
| Net charge-offs to loans | 2.6557% | 55 |
| Credit loss provision to net charge-offs | 46.1944% | 3,172 |
| Earnings coverage of net charge-offs (x) | -0.5492% | 4,505 |
| Efficiency ratio | 129.2942% | 91 |
| Assets per employee ($millions) | 4.0742% | 3,723 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3137% | 123 |
| Loan loss allowance to noncurrent loans | 43.7515% | 5,335 |
| Noncurrent assets plus other real estate owned to assets | 9.0671% | 111 |
| Noncurrent loans to loans | 9.8596% | 77 |
| Net loans and leases to total assets | 57.0707% | 4,192 |
| Net loans and leases to deposits | 59.7854% | 4,967 |
| Net loans and leases to core deposits | 60.7264% | 5,142 |
| Total domestic deposits to total assets | 95.4592% | 23 |
| Equity capital to assets | 2.0062% | 6,577 |
| Core capital (leverage) ratio | 2.5779% | 6,572 |
| Tier 1 risk-based capital ratio | 4.1484% | 6,569 |
| Total risk-based capital ratio | 5.4054% | 6,571 |
| Memoranda: | ||
| Average total assets | $144,134,750 | 3,757 |
| Average earning assets | $129,484,500 | 3,797 |
| Average equity | $2,752,000 | 6,383 |
| Average total loans | $85,751,500 | 3,761 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0186% | 3,657 |
| Cost of funding earning assets | 0.4744% | 3,069 |
| Net interest margin | 3.5442% | 3,597 |
| Noninterest income to average assets | 0.3274% | 4,796 |
| Noninterest expense to average assets | 4.3998% | 500 |
| Loan and lease loss provision to assets | 1.0808% | 93 |
| Net operating income to assets | -1.9547% | 6,593 |
| Return on assets (ROA) | -1.9547% | 6,592 |
| Pretax return on assets | -1.9807% | 6,583 |
| Return on Equity (ROE) | -104.0467% | 6,647 |
| Retained earnings to average equity (ytd only) | -104.0467% | 6,646 |
| Net charge-offs to loans | 3.7767% | 29 |
| Credit loss provision to net charge-offs | 48.1391% | 2,819 |
| Earnings coverage of net charge-offs (x) | -0.4009% | 4,170 |
| Efficiency ratio | 125.7143% | 118 |
| Assets per employee ($millions) | 4.0732% | 3,693 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4508% | 123 |
| Loan loss allowance to noncurrent loans | 51.2267% | 5,122 |
| Noncurrent assets plus other real estate owned to assets | 9.0433% | 115 |
| Noncurrent loans to loans | 8.6885% | 107 |
| Net loans and leases to total assets | 56.3160% | 4,240 |
| Net loans and leases to deposits | 59.7832% | 4,883 |
| Net loans and leases to core deposits | 60.7362% | 5,079 |
| Total domestic deposits to total assets | 94.2003% | 45 |
| Equity capital to assets | 1.9655% | 6,645 |
| Core capital (leverage) ratio | 2.7325% | 6,636 |
| Tier 1 risk-based capital ratio | 4.4610% | 6,635 |
| Total risk-based capital ratio | 5.7464% | 6,636 |
| Memoranda: | ||
| Average total assets | $146,005,330 | 3,742 |
| Average earning assets | $130,690,670 | 3,793 |
| Average equity | $2,743,000 | 6,441 |
| Average total loans | $86,795,330 | 3,751 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9767% | 3,780 |
| Cost of funding earning assets | 0.4799% | 3,106 |
| Net interest margin | 3.4967% | 3,710 |
| Noninterest income to average assets | 0.2030% | 5,729 |
| Noninterest expense to average assets | 3.3012% | 1,946 |
| Loan and lease loss provision to assets | 1.5464% | 63 |
| Net operating income to assets | -1.5117% | 6,633 |
| Return on assets (ROA) | -1.5117% | 6,628 |
| Pretax return on assets | -1.5117% | 6,612 |
| Return on Equity (ROE) | -82.2226% | 6,715 |
| Retained earnings to average equity (ytd only) | -82.2226% | 6,708 |
| Net charge-offs to loans | 0.0448% | 2,757 |
| Credit loss provision to net charge-offs | 5,790.0000% | 61 |
| Earnings coverage of net charge-offs (x) | 1.3000% | 3,126 |
| Efficiency ratio | 98.9592% | 502 |
| Assets per employee ($millions) | 4.3897% | 3,168 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.8290% | 56 |
| Loan loss allowance to noncurrent loans | 51.4356% | 5,142 |
| Noncurrent assets plus other real estate owned to assets | 10.6438% | 101 |
| Noncurrent loans to loans | 11.3326% | 77 |
| Net loans and leases to total assets | 54.6851% | 4,324 |
| Net loans and leases to deposits | 58.0040% | 4,946 |
| Net loans and leases to core deposits | 58.8603% | 5,137 |
| Total domestic deposits to total assets | 94.2781% | 55 |
| Equity capital to assets | 1.9189% | 6,716 |
| Core capital (leverage) ratio | 3.1801% | 6,699 |
| Tier 1 risk-based capital ratio | 5.1712% | 6,694 |
| Total risk-based capital ratio | 6.4735% | 6,696 |
| Memoranda: | ||
| Average total assets | $149,763,000 | 3,705 |
| Average earning assets | $134,182,000 | 3,763 |
| Average equity | $2,753,500 | 6,498 |
| Average total loans | $89,380,500 | 3,707 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9541% | 4,268 |
| Cost of funding earning assets | 0.5933% | 2,726 |
| Net interest margin | 3.3607% | 4,432 |
| Noninterest income to average assets | 0.4316% | 4,222 |
| Noninterest expense to average assets | 3.3661% | 1,961 |
| Loan and lease loss provision to assets | 0.9543% | 193 |
| Net operating income to assets | -0.8258% | 6,573 |
| Return on assets (ROA) | -0.8083% | 6,568 |
| Pretax return on assets | -0.8083% | 6,556 |
| Return on Equity (ROE) | -28.9144% | 6,715 |
| Retained earnings to average equity (ytd only) | -28.9144% | 6,709 |
| Net charge-offs to loans | 5.1133% | 22 |
| Credit loss provision to net charge-offs | 30.7044% | 4,236 |
| Earnings coverage of net charge-offs (x) | 0.0413% | 5,079 |
| Efficiency ratio | 96.3234% | 622 |
| Assets per employee ($millions) | 4.2936% | 3,282 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8680% | 100 |
| Loan loss allowance to noncurrent loans | 45.6517% | 5,433 |
| Noncurrent assets plus other real estate owned to assets | 10.8301% | 109 |
| Noncurrent loans to loans | 10.6634% | 97 |
| Net loans and leases to total assets | 58.2985% | 3,980 |
| Net loans and leases to deposits | 60.3016% | 4,916 |
| Net loans and leases to core deposits | 61.2087% | 5,133 |
| Total domestic deposits to total assets | 96.6781% | 22 |
| Equity capital to assets | 1.7588% | 6,793 |
| Core capital (leverage) ratio | 3.4780% | 6,763 |
| Tier 1 risk-based capital ratio | 5.5018% | 6,761 |
| Total risk-based capital ratio | 6.7936% | 6,762 |
| Memoranda: | ||
| Average total assets | $160,333,600 | 3,558 |
| Average earning assets | $146,128,400 | 3,572 |
| Average equity | $4,482,200 | 6,208 |
| Average total loans | $97,451,200 | 3,517 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9472% | 4,326 |
| Cost of funding earning assets | 0.6078% | 2,748 |
| Net interest margin | 3.3394% | 4,498 |
| Noninterest income to average assets | 0.4601% | 4,080 |
| Noninterest expense to average assets | 3.2479% | 2,210 |
| Loan and lease loss provision to assets | 1.1061% | 134 |
| Net operating income to assets | -0.8351% | 6,686 |
| Return on assets (ROA) | -0.8122% | 6,684 |
| Pretax return on assets | -0.8122% | 6,663 |
| Return on Equity (ROE) | -26.7631% | 6,800 |
| Retained earnings to average equity (ytd only) | -26.7631% | 6,791 |
| Net charge-offs to loans | 6.3891% | 15 |
| Credit loss provision to net charge-offs | 28.5382% | 3,924 |
| Earnings coverage of net charge-offs (x) | 0.0699% | 4,834 |
| Efficiency ratio | 92.2987% | 835 |
| Assets per employee ($millions) | 4.3808% | 3,078 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8985% | 123 |
| Loan loss allowance to noncurrent loans | 50.2539% | 5,220 |
| Noncurrent assets plus other real estate owned to assets | 8.9638% | 179 |
| Noncurrent loans to loans | 9.7475% | 146 |
| Net loans and leases to total assets | 57.6503% | 4,068 |
| Net loans and leases to deposits | 60.2623% | 4,943 |
| Net loans and leases to core deposits | 66.0717% | 4,705 |
| Total domestic deposits to total assets | 95.6655% | 26 |
| Equity capital to assets | 1.8692% | 6,878 |
| Core capital (leverage) ratio | 3.6372% | 6,837 |
| Tier 1 risk-based capital ratio | 5.8615% | 6,835 |
| Total risk-based capital ratio | 7.1546% | 6,833 |
| Memoranda: | ||
| Average total assets | $162,848,250 | 3,556 |
| Average earning assets | $149,165,250 | 3,548 |
| Average equity | $4,942,000 | 6,155 |
| Average total loans | $98,791,250 | 3,506 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8433% | 4,677 |
| Cost of funding earning assets | 0.6346% | 2,635 |
| Net interest margin | 3.2087% | 4,917 |
| Noninterest income to average assets | 0.4301% | 4,306 |
| Noninterest expense to average assets | 3.2116% | 2,324 |
| Loan and lease loss provision to assets | 1.6094% | 75 |
| Net operating income to assets | -1.4492% | 6,805 |
| Return on assets (ROA) | -1.4155% | 6,807 |
| Pretax return on assets | -1.4155% | 6,797 |
| Return on Equity (ROE) | -41.7110% | 6,893 |
| Retained earnings to average equity (ytd only) | -41.7110% | 6,887 |
| Net charge-offs to loans | 9.2437% | 8 |
| Credit loss provision to net charge-offs | 28.6942% | 3,611 |
| Earnings coverage of net charge-offs (x) | 0.0286% | 4,540 |
| Efficiency ratio | 95.2483% | 697 |
| Assets per employee ($millions) | 4.3416% | 3,101 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8063% | 136 |
| Loan loss allowance to noncurrent loans | 42.4226% | 5,520 |
| Noncurrent assets plus other real estate owned to assets | 9.6529% | 159 |
| Noncurrent loans to loans | 11.3297% | 107 |
| Net loans and leases to total assets | 60.1652% | 3,626 |
| Net loans and leases to deposits | 64.2338% | 4,468 |
| Net loans and leases to core deposits | 68.9254% | 4,403 |
| Total domestic deposits to total assets | 93.6659% | 78 |
| Equity capital to assets | 3.2648% | 6,892 |
| Core capital (leverage) ratio | 3.3946% | 6,890 |
| Tier 1 risk-based capital ratio | 5.5659% | 6,882 |
| Total risk-based capital ratio | 6.8589% | 6,885 |
| Memoranda: | ||
| Average total assets | $166,021,670 | 3,528 |
| Average earning assets | $152,213,330 | 3,511 |
| Average equity | $5,634,000 | 6,009 |
| Average total loans | $100,739,330 | 3,463 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5825% | 5,496 |
| Cost of funding earning assets | 0.6539% | 2,620 |
| Net interest margin | 2.9286% | 5,757 |
| Noninterest income to average assets | 0.3814% | 4,611 |
| Noninterest expense to average assets | 2.9470% | 3,170 |
| Loan and lease loss provision to assets | 3.0880% | 25 |
| Net operating income to assets | -2.9725% | 6,965 |
| Return on assets (ROA) | -2.9309% | 6,966 |
| Pretax return on assets | -2.9309% | 6,962 |
| Return on Equity (ROE) | -84.9510% | 6,999 |
| Retained earnings to average equity (ytd only) | -84.9510% | 6,997 |
| Net charge-offs to loans | 3.8375% | 73 |
| Credit loss provision to net charge-offs | 135.0859% | 1,468 |
| Earnings coverage of net charge-offs (x) | 0.0506% | 3,805 |
| Efficiency ratio | 96.2264% | 722 |
| Assets per employee ($millions) | 4.8709% | 2,395 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.4031% | 24 |
| Loan loss allowance to noncurrent loans | 57.0297% | 4,851 |
| Noncurrent assets plus other real estate owned to assets | 11.2504% | 145 |
| Noncurrent loans to loans | 14.7346% | 81 |
| Net loans and leases to total assets | 54.5178% | 4,328 |
| Net loans and leases to deposits | 57.7211% | 5,073 |
| Net loans and leases to core deposits | 65.2379% | 4,629 |
| Total domestic deposits to total assets | 94.4503% | 56 |
| Equity capital to assets | 3.2027% | 6,969 |
| Core capital (leverage) ratio | 3.1858% | 6,964 |
| Tier 1 risk-based capital ratio | 5.3604% | 6,946 |
| Total risk-based capital ratio | 6.6965% | 6,947 |
| Memoranda: | ||
| Average total assets | $173,055,000 | 3,447 |
| Average earning assets | $158,435,500 | 3,460 |
| Average equity | $5,970,500 | 5,993 |
| Average total loans | $103,089,000 | 3,436 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2442% | 4,422 |
| Cost of funding earning assets | 0.8007% | 2,662 |
| Net interest margin | 3.4435% | 4,723 |
| Noninterest income to average assets | -0.1488% | 6,939 |
| Noninterest expense to average assets | 3.6336% | 1,537 |
| Loan and lease loss provision to assets | 5.0826% | 8 |
| Net operating income to assets | -5.6384% | 7,065 |
| Return on assets (ROA) | -5.1508% | 7,063 |
| Pretax return on assets | -5.1508% | 7,064 |
| Return on Equity (ROE) | -85.7933% | 7,059 |
| Retained earnings to average equity (ytd only) | -85.7933% | 7,059 |
| Net charge-offs to loans | 4.3798% | 52 |
| Credit loss provision to net charge-offs | 177.8279% | 1,477 |
| Earnings coverage of net charge-offs (x) | -0.1945% | 5,570 |
| Efficiency ratio | 118.0597% | 229 |
| Assets per employee ($millions) | 5.3088% | 1,891 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.3750% | 38 |
| Loan loss allowance to noncurrent loans | 45.6696% | 5,341 |
| Noncurrent assets plus other real estate owned to assets | 10.9076% | 185 |
| Noncurrent loans to loans | 16.1486% | 67 |
| Net loans and leases to total assets | 55.2200% | 4,420 |
| Net loans and leases to deposits | 58.0816% | 5,234 |
| Net loans and leases to core deposits | 67.4789% | 4,594 |
| Total domestic deposits to total assets | 95.0731% | 42 |
| Equity capital to assets | 3.6770% | 7,016 |
| Core capital (leverage) ratio | 3.6130% | 7,009 |
| Tier 1 risk-based capital ratio | 6.3333% | 6,978 |
| Total risk-based capital ratio | 7.6722% | 6,980 |
| Memoranda: | ||
| Average total assets | $186,204,200 | 3,217 |
| Average earning assets | $174,472,400 | 3,169 |
| Average equity | $11,179,200 | 4,724 |
| Average total loans | $121,511,800 | 3,043 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4286% | 3,929 |
| Cost of funding earning assets | 0.8326% | 2,687 |
| Net interest margin | 3.5960% | 4,249 |
| Noninterest income to average assets | -0.4342% | 7,121 |
| Noninterest expense to average assets | 3.0470% | 3,071 |
| Loan and lease loss provision to assets | 6.3606% | 5 |
| Net operating income to assets | -6.4473% | 7,173 |
| Return on assets (ROA) | -6.0188% | 7,169 |
| Pretax return on assets | -6.0188% | 7,170 |
| Return on Equity (ROE) | -91.7034% | 7,158 |
| Retained earnings to average equity (ytd only) | -91.7034% | 7,156 |
| Net charge-offs to loans | 5.1364% | 38 |
| Credit loss provision to net charge-offs | 185.8982% | 1,491 |
| Earnings coverage of net charge-offs (x) | -0.0253% | 5,342 |
| Efficiency ratio | 102.9285% | 450 |
| Assets per employee ($millions) | 5.0760% | 2,078 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.7758% | 45 |
| Loan loss allowance to noncurrent loans | 44.4034% | 5,431 |
| Noncurrent assets plus other real estate owned to assets | 11.0630% | 189 |
| Noncurrent loans to loans | 15.2595% | 95 |
| Net loans and leases to total assets | 59.7064% | 3,839 |
| Net loans and leases to deposits | 62.8699% | 4,863 |
| Net loans and leases to core deposits | 72.5403% | 4,188 |
| Total domestic deposits to total assets | 94.9682% | 41 |
| Equity capital to assets | 4.3910% | 7,084 |
| Core capital (leverage) ratio | 4.1622% | 7,083 |
| Tier 1 risk-based capital ratio | 6.6901% | 7,066 |
| Total risk-based capital ratio | 8.0096% | 7,064 |
| Memoranda: | ||
| Average total assets | $187,630,750 | 3,238 |
| Average earning assets | $177,118,500 | 3,172 |
| Average equity | $12,314,750 | 4,537 |
| Average total loans | $124,988,000 | 3,018 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5837% | 3,434 |
| Cost of funding earning assets | 0.8412% | 2,871 |
| Net interest margin | 3.7425% | 3,627 |
| Noninterest income to average assets | -0.6478% | 7,198 |
| Noninterest expense to average assets | 2.9567% | 3,417 |
| Loan and lease loss provision to assets | 6.4197% | 8 |
| Net operating income to assets | -6.4746% | 7,224 |
| Return on assets (ROA) | -5.9642% | 7,221 |
| Pretax return on assets | -5.9642% | 7,220 |
| Return on Equity (ROE) | -82.1244% | 7,200 |
| Retained earnings to average equity (ytd only) | -82.1244% | 7,196 |
| Net charge-offs to loans | 6.1141% | 32 |
| Credit loss provision to net charge-offs | 155.6894% | 1,778 |
| Earnings coverage of net charge-offs (x) | -0.0133% | 5,089 |
| Efficiency ratio | 101.8937% | 502 |
| Assets per employee ($millions) | 4.8058% | 2,433 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9425% | 171 |
| Loan loss allowance to noncurrent loans | 32.0686% | 6,060 |
| Noncurrent assets plus other real estate owned to assets | 11.3662% | 203 |
| Noncurrent loans to loans | 15.4122% | 92 |
| Net loans and leases to total assets | 62.8416% | 3,265 |
| Net loans and leases to deposits | 66.8363% | 4,390 |
| Net loans and leases to core deposits | 76.7767% | 3,683 |
| Total domestic deposits to total assets | 94.0231% | 78 |
| Equity capital to assets | 5.3833% | 7,075 |
| Core capital (leverage) ratio | 5.0507% | 7,069 |
| Tier 1 risk-based capital ratio | 7.6809% | 7,055 |
| Total risk-based capital ratio | 8.9752% | 7,057 |
| Memoranda: | ||
| Average total assets | $189,262,330 | 3,224 |
| Average earning assets | $179,506,670 | 3,139 |
| Average equity | $13,745,000 | 4,248 |
| Average total loans | $127,639,000 | 2,971 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3379% | 4,579 |
| Cost of funding earning assets | 0.8235% | 3,289 |
| Net interest margin | 3.5144% | 4,622 |
| Noninterest income to average assets | 0.3074% | 5,427 |
| Noninterest expense to average assets | 2.8434% | 3,853 |
| Loan and lease loss provision to assets | 0.6231% | 899 |
| Net operating income to assets | 0.1828% | 6,034 |
| Return on assets (ROA) | 0.8640% | 3,316 |
| Pretax return on assets | 0.8640% | 4,175 |
| Return on Equity (ROE) | 10.5974% | 2,193 |
| Retained earnings to average equity (ytd only) | 10.5974% | 1,141 |
| Net charge-offs to loans | 0.2441% | 2,711 |
| Credit loss provision to net charge-offs | 375.0000% | 817 |
| Earnings coverage of net charge-offs (x) | 4.8500% | 2,491 |
| Efficiency ratio | 77.9169% | 2,508 |
| Assets per employee ($millions) | 5.3156% | 1,870 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1331% | 734 |
| Loan loss allowance to noncurrent loans | 18.0738% | 6,618 |
| Noncurrent assets plus other real estate owned to assets | 12.0521% | 204 |
| Noncurrent loans to loans | 17.3352% | 78 |
| Net loans and leases to total assets | 64.8518% | 2,683 |
| Net loans and leases to deposits | 71.2921% | 3,539 |
| Net loans and leases to core deposits | 84.5070% | 2,479 |
| Total domestic deposits to total assets | 90.9663% | 575 |
| Equity capital to assets | 8.2269% | 6,338 |
| Core capital (leverage) ratio | 8.1802% | 6,054 |
| Tier 1 risk-based capital ratio | 11.6911% | 6,165 |
| Total risk-based capital ratio | 12.9627% | 6,132 |
| Memoranda: | ||
| Average total assets | $192,583,000 | 3,205 |
| Average earning assets | $183,131,000 | 3,111 |
| Average equity | $15,702,000 | 3,860 |
| Average total loans | $131,094,000 | 2,923 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0301% | 2,757 |
| Cost of funding earning assets | 1.0205% | 3,234 |
| Net interest margin | 4.0095% | 2,837 |
| Noninterest income to average assets | 0.2869% | 5,483 |
| Noninterest expense to average assets | 3.0774% | 3,283 |
| Loan and lease loss provision to assets | 3.1853% | 107 |
| Net operating income to assets | -2.2328% | 7,068 |
| Return on assets (ROA) | -2.2380% | 7,086 |
| Pretax return on assets | -2.2308% | 7,073 |
| Return on Equity (ROE) | -30.8407% | 7,103 |
| Retained earnings to average equity (ytd only) | -32.5493% | 7,104 |
| Net charge-offs to loans | 3.8595% | 169 |
| Credit loss provision to net charge-offs | 112.9715% | 2,924 |
| Earnings coverage of net charge-offs (x) | 0.3404% | 5,566 |
| Efficiency ratio | 76.2272% | 2,853 |
| Assets per employee ($millions) | 5.3835% | 1,751 |
| Cash dividends to net income (ytd only)* | -5.5401% | 7,262 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8298% | 949 |
| Loan loss allowance to noncurrent loans | 22.0082% | 6,548 |
| Noncurrent assets plus other real estate owned to assets | 9.3506% | 372 |
| Noncurrent loans to loans | 12.8579% | 180 |
| Net loans and leases to total assets | 67.2217% | 2,535 |
| Net loans and leases to deposits | 73.5890% | 3,563 |
| Net loans and leases to core deposits | 87.8856% | 2,390 |
| Total domestic deposits to total assets | 91.3475% | 380 |
| Equity capital to assets | 8.0808% | 6,521 |
| Core capital (leverage) ratio | 7.8540% | 6,398 |
| Tier 1 risk-based capital ratio | 12.0047% | 5,833 |
| Total risk-based capital ratio | 13.2775% | 5,798 |
| Memoranda: | ||
| Average total assets | $192,760,200 | 3,149 |
| Average earning assets | $180,296,200 | 3,085 |
| Average equity | $13,988,000 | 4,110 |
| Average total loans | $140,820,200 | 2,773 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2995% | 1,859 |
| Cost of funding earning assets | 1.0660% | 3,204 |
| Net interest margin | 4.2335% | 1,974 |
| Noninterest income to average assets | 0.2930% | 5,516 |
| Noninterest expense to average assets | 2.7442% | 4,557 |
| Loan and lease loss provision to assets | 2.5004% | 178 |
| Net operating income to assets | -1.0085% | 6,887 |
| Return on assets (ROA) | -1.0154% | 6,919 |
| Pretax return on assets | -1.0057% | 6,879 |
| Return on Equity (ROE) | -14.4042% | 7,002 |
| Retained earnings to average equity (ytd only) | -16.7526% | 7,027 |
| Net charge-offs to loans | 0.0730% | 5,231 |
| Credit loss provision to net charge-offs | 4,628.2051% | 63 |
| Earnings coverage of net charge-offs (x) | 27.7941% | 981 |
| Efficiency ratio | 64.6330% | 4,961 |
| Assets per employee ($millions) | 5.3750% | 1,732 |
| Cash dividends to net income (ytd only)* | -16.3029% | 7,360 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6877% | 227 |
| Loan loss allowance to noncurrent loans | 28.0920% | 6,357 |
| Noncurrent assets plus other real estate owned to assets | 12.3928% | 210 |
| Noncurrent loans to loans | 16.6870% | 96 |
| Net loans and leases to total assets | 67.6916% | 2,539 |
| Net loans and leases to deposits | 75.4048% | 3,432 |
| Net loans and leases to core deposits | 92.1740% | 1,981 |
| Total domestic deposits to total assets | 89.7709% | 1,000 |
| Equity capital to assets | 9.2858% | 5,402 |
| Core capital (leverage) ratio | 9.1512% | 4,708 |
| Tier 1 risk-based capital ratio | 13.4173% | 4,794 |
| Total risk-based capital ratio | 14.7121% | 4,733 |
| Memoranda: | ||
| Average total assets | $192,499,000 | 3,169 |
| Average earning assets | $179,735,500 | 3,113 |
| Average equity | $13,569,750 | 4,222 |
| Average total loans | $142,507,000 | 2,768 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4091% | 1,532 |
| Cost of funding earning assets | 1.1517% | 2,891 |
| Net interest margin | 4.2574% | 1,812 |
| Noninterest income to average assets | 0.3183% | 5,354 |
| Noninterest expense to average assets | 2.6180% | 5,125 |
| Loan and lease loss provision to assets | 3.6139% | 97 |
| Net operating income to assets | -1.9477% | 7,185 |
| Return on assets (ROA) | -1.9572% | 7,187 |
| Pretax return on assets | -1.9425% | 7,153 |
| Return on Equity (ROE) | -31.2130% | 7,260 |
| Retained earnings to average equity (ytd only) | -35.2173% | 7,277 |
| Net charge-offs to loans | 0.0392% | 5,300 |
| Credit loss provision to net charge-offs | 12,285.7143% | 23 |
| Earnings coverage of net charge-offs (x) | 57.1429% | 557 |
| Efficiency ratio | 60.8993% | 5,745 |
| Assets per employee ($millions) | 5.1330% | 1,950 |
| Cash dividends to net income (ytd only)* | -12.8288% | 7,447 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5457% | 269 |
| Loan loss allowance to noncurrent loans | 51.5135% | 4,929 |
| Noncurrent assets plus other real estate owned to assets | 7.2120% | 690 |
| Noncurrent loans to loans | 8.8244% | 476 |
| Net loans and leases to total assets | 71.8787% | 1,809 |
| Net loans and leases to deposits | 76.9637% | 3,295 |
| Net loans and leases to core deposits | 88.2893% | 2,603 |
| Total domestic deposits to total assets | 93.3930% | 107 |
| Equity capital to assets | 5.6882% | 7,276 |
| Core capital (leverage) ratio | 5.4589% | 7,258 |
| Tier 1 risk-based capital ratio | 7.8910% | 7,253 |
| Total risk-based capital ratio | 9.1845% | 7,254 |
| Memoranda: | ||
| Average total assets | $190,374,000 | 3,221 |
| Average earning assets | $177,997,330 | 3,161 |
| Average equity | $11,937,330 | 4,571 |
| Average total loans | $142,928,670 | 2,794 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3248% | 1,796 |
| Cost of funding earning assets | 1.1987% | 2,829 |
| Net interest margin | 4.1261% | 2,167 |
| Noninterest income to average assets | 0.2875% | 5,621 |
| Noninterest expense to average assets | 2.3568% | 6,026 |
| Loan and lease loss provision to assets | 1.0493% | 717 |
| Net operating income to assets | 0.7322% | 3,363 |
| Return on assets (ROA) | 0.7240% | 3,474 |
| Pretax return on assets | 0.7450% | 4,122 |
| Return on Equity (ROE) | 11.0360% | 1,730 |
| Retained earnings to average equity (ytd only) | 3.3908% | 4,160 |
| Net charge-offs to loans | 0.0868% | 4,085 |
| Credit loss provision to net charge-offs | 1,612.9032% | 240 |
| Earnings coverage of net charge-offs (x) | 27.7097% | 885 |
| Efficiency ratio | 56.6599% | 6,427 |
| Assets per employee ($millions) | 5.1454% | 1,969 |
| Cash dividends to net income (ytd only)* | 69.2754% | 1,032 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4934% | 1,463 |
| Loan loss allowance to noncurrent loans | 22.7829% | 6,654 |
| Noncurrent assets plus other real estate owned to assets | 8.8964% | 491 |
| Noncurrent loans to loans | 10.9444% | 342 |
| Net loans and leases to total assets | 73.0833% | 1,499 |
| Net loans and leases to deposits | 78.9129% | 2,910 |
| Net loans and leases to core deposits | 94.6568% | 1,811 |
| Total domestic deposits to total assets | 92.6127% | 171 |
| Equity capital to assets | 6.7329% | 7,153 |
| Core capital (leverage) ratio | 6.5166% | 7,165 |
| Tier 1 risk-based capital ratio | 9.2228% | 7,195 |
| Total risk-based capital ratio | 10.4889% | 7,195 |
| Memoranda: | ||
| Average total assets | $190,601,000 | 3,241 |
| Average earning assets | $178,860,000 | 3,168 |
| Average equity | $12,504,500 | 4,447 |
| Average total loans | $142,886,500 | 2,828 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7793% | 1,331 |
| Cost of funding earning assets | 1.4867% | 2,723 |
| Net interest margin | 4.2926% | 1,845 |
| Noninterest income to average assets | 0.2579% | 5,957 |
| Noninterest expense to average assets | 2.5802% | 5,503 |
| Loan and lease loss provision to assets | 2.7203% | 384 |
| Net operating income to assets | -1.0365% | 6,704 |
| Return on assets (ROA) | -1.0365% | 6,738 |
| Pretax return on assets | -1.0146% | 6,654 |
| Return on Equity (ROE) | -12.2072% | 6,817 |
| Retained earnings to average equity (ytd only) | -21.1320% | 7,034 |
| Net charge-offs to loans | 2.7181% | 665 |
| Credit loss provision to net charge-offs | 134.2361% | 2,905 |
| Earnings coverage of net charge-offs (x) | 0.8417% | 5,289 |
| Efficiency ratio | 60.2014% | 6,017 |
| Assets per employee ($millions) | 5.1574% | 1,936 |
| Cash dividends to net income (ytd only)* | -73.1105% | 7,606 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1589% | 1,950 |
| Loan loss allowance to noncurrent loans | 21.4827% | 6,753 |
| Noncurrent assets plus other real estate owned to assets | 8.2270% | 591 |
| Noncurrent loans to loans | 10.0497% | 420 |
| Net loans and leases to total assets | 73.3616% | 1,795 |
| Net loans and leases to deposits | 78.9820% | 3,340 |
| Net loans and leases to core deposits | 91.5296% | 2,552 |
| Total domestic deposits to total assets | 92.8839% | 148 |
| Equity capital to assets | 6.3887% | 7,275 |
| Core capital (leverage) ratio | 6.4760% | 7,197 |
| Tier 1 risk-based capital ratio | 9.0140% | 7,243 |
| Total risk-based capital ratio | 10.2821% | 7,246 |
| Memoranda: | ||
| Average total assets | $187,659,800 | 3,261 |
| Average earning assets | $176,094,600 | 3,165 |
| Average equity | $15,933,200 | 3,782 |
| Average total loans | $139,914,800 | 2,953 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0882% | 780 |
| Cost of funding earning assets | 1.5215% | 2,834 |
| Net interest margin | 4.5667% | 1,115 |
| Noninterest income to average assets | 0.2704% | 5,956 |
| Noninterest expense to average assets | 2.3852% | 6,076 |
| Loan and lease loss provision to assets | 0.7884% | 1,935 |
| Net operating income to assets | 1.3635% | 1,185 |
| Return on assets (ROA) | 1.3635% | 1,268 |
| Pretax return on assets | 1.3863% | 1,924 |
| Return on Equity (ROE) | 15.1045% | 840 |
| Retained earnings to average equity (ytd only) | 9.2792% | 970 |
| Net charge-offs to loans | 0.3364% | 3,968 |
| Credit loss provision to net charge-offs | 314.8148% | 1,002 |
| Earnings coverage of net charge-offs (x) | 8.6837% | 2,124 |
| Efficiency ratio | 52.3079% | 6,950 |
| Assets per employee ($millions) | 5.1797% | 1,961 |
| Cash dividends to net income (ytd only)* | 38.5661% | 2,161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7962% | 2,801 |
| Loan loss allowance to noncurrent loans | 75.9414% | 3,536 |
| Noncurrent assets plus other real estate owned to assets | 2.3454% | 3,029 |
| Noncurrent loans to loans | 2.3652% | 3,277 |
| Net loans and leases to total assets | 72.4893% | 2,132 |
| Net loans and leases to deposits | 80.3532% | 3,384 |
| Net loans and leases to core deposits | 100.3438% | 1,825 |
| Total domestic deposits to total assets | 90.2134% | 771 |
| Equity capital to assets | 9.2064% | 5,302 |
| Core capital (leverage) ratio | 9.0911% | 4,542 |
| Tier 1 risk-based capital ratio | 12.3633% | 5,105 |
| Total risk-based capital ratio | 13.6203% | 5,078 |
| Memoranda: | ||
| Average total assets | $186,869,250 | 3,320 |
| Average earning assets | $175,526,500 | 3,222 |
| Average equity | $16,868,750 | 3,662 |
| Average total loans | $139,123,750 | 3,000 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0231% | 897 |
| Cost of funding earning assets | 1.5500% | 2,958 |
| Net interest margin | 4.4731% | 1,262 |
| Noninterest income to average assets | 0.2785% | 5,926 |
| Noninterest expense to average assets | 2.3694% | 6,152 |
| Loan and lease loss provision to assets | 0.7286% | 2,000 |
| Net operating income to assets | 1.3601% | 1,172 |
| Return on assets (ROA) | 1.3601% | 1,242 |
| Pretax return on assets | 1.3796% | 1,888 |
| Return on Equity (ROE) | 15.1713% | 823 |
| Retained earnings to average equity (ytd only) | 9.0787% | 1,078 |
| Net charge-offs to loans | 0.4800% | 3,099 |
| Credit loss provision to net charge-offs | 203.3133% | 1,921 |
| Earnings coverage of net charge-offs (x) | 5.8825% | 2,578 |
| Efficiency ratio | 52.9171% | 6,987 |
| Assets per employee ($millions) | 5.1768% | 1,953 |
| Cash dividends to net income (ytd only)* | 40.1587% | 2,081 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5255% | 3,793 |
| Loan loss allowance to noncurrent loans | 73.3977% | 3,676 |
| Noncurrent assets plus other real estate owned to assets | 2.0648% | 3,429 |
| Noncurrent loans to loans | 2.0784% | 3,621 |
| Net loans and leases to total assets | 73.7769% | 1,959 |
| Net loans and leases to deposits | 81.7566% | 3,309 |
| Net loans and leases to core deposits | 96.4884% | 2,391 |
| Total domestic deposits to total assets | 90.2396% | 799 |
| Equity capital to assets | 9.1900% | 5,160 |
| Core capital (leverage) ratio | 9.1874% | 4,317 |
| Tier 1 risk-based capital ratio | 12.2419% | 5,084 |
| Total risk-based capital ratio | 13.4952% | 5,056 |
| Memoranda: | ||
| Average total assets | $185,276,000 | 3,367 |
| Average earning assets | $173,930,000 | 3,271 |
| Average equity | $16,610,330 | 3,698 |
| Average total loans | $138,343,000 | 3,045 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7627% | 1,585 |
| Cost of funding earning assets | 1.5758% | 3,097 |
| Net interest margin | 4.1869% | 2,099 |
| Noninterest income to average assets | 0.4807% | 4,196 |
| Noninterest expense to average assets | 2.3494% | 6,253 |
| Loan and lease loss provision to assets | 0.7037% | 1,808 |
| Net operating income to assets | 1.3273% | 1,230 |
| Return on assets (ROA) | 1.3273% | 1,303 |
| Pretax return on assets | 1.3512% | 1,900 |
| Return on Equity (ROE) | 14.9951% | 877 |
| Retained earnings to average equity (ytd only) | 8.7329% | 1,472 |
| Net charge-offs to loans | 0.1394% | 4,098 |
| Credit loss provision to net charge-offs | 677.0833% | 653 |
| Earnings coverage of net charge-offs (x) | 19.7708% | 1,184 |
| Efficiency ratio | 53.3432% | 7,039 |
| Assets per employee ($millions) | 5.0823% | 2,123 |
| Cash dividends to net income (ytd only)* | 41.7618% | 1,703 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5025% | 3,900 |
| Loan loss allowance to noncurrent loans | 41.1073% | 5,611 |
| Noncurrent assets plus other real estate owned to assets | 2.7607% | 2,631 |
| Noncurrent loans to loans | 3.6550% | 2,178 |
| Net loans and leases to total assets | 73.9552% | 1,981 |
| Net loans and leases to deposits | 81.8597% | 3,305 |
| Net loans and leases to core deposits | 97.3292% | 2,420 |
| Total domestic deposits to total assets | 90.3439% | 809 |
| Equity capital to assets | 9.0718% | 5,169 |
| Core capital (leverage) ratio | 8.9910% | 4,590 |
| Tier 1 risk-based capital ratio | 11.9397% | 5,263 |
| Total risk-based capital ratio | 13.1994% | 5,212 |
| Memoranda: | ||
| Average total assets | $184,731,000 | 3,433 |
| Average earning assets | $173,113,000 | 3,349 |
| Average equity | $16,352,000 | 3,771 |
| Average total loans | $137,702,000 | 3,114 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2128% | 1,207 |
| Cost of funding earning assets | 1.8449% | 3,765 |
| Net interest margin | 4.3679% | 1,524 |
| Noninterest income to average assets | 0.6662% | 3,184 |
| Noninterest expense to average assets | 2.5319% | 6,022 |
| Loan and lease loss provision to assets | 0.6314% | 3,281 |
| Net operating income to assets | 1.5165% | 649 |
| Return on assets (ROA) | 1.5270% | 678 |
| Pretax return on assets | 1.5495% | 1,076 |
| Return on Equity (ROE) | 16.4870% | 505 |
| Retained earnings to average equity (ytd only) | 7.4281% | 834 |
| Net charge-offs to loans | 0.5426% | 3,619 |
| Credit loss provision to net charge-offs | 151.3437% | 3,047 |
| Earnings coverage of net charge-offs (x) | 5.2023% | 2,661 |
| Efficiency ratio | 53.8462% | 7,248 |
| Assets per employee ($millions) | 5.1806% | 1,967 |
| Cash dividends to net income (ytd only)* | 54.9459% | 2,238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2946% | 4,798 |
| Loan loss allowance to noncurrent loans | 38.3476% | 5,868 |
| Noncurrent assets plus other real estate owned to assets | 2.4987% | 2,795 |
| Noncurrent loans to loans | 3.3761% | 2,262 |
| Net loans and leases to total assets | 73.0525% | 2,497 |
| Net loans and leases to deposits | 80.3912% | 3,920 |
| Net loans and leases to core deposits | 107.6671% | 3,139 |
| Total domestic deposits to total assets | 90.8713% | 582 |
| Equity capital to assets | 8.6359% | 5,684 |
| Core capital (leverage) ratio | 8.9075% | 4,580 |
| Tier 1 risk-based capital ratio | 11.5700% | 5,327 |
| Total risk-based capital ratio | 12.8153% | 5,288 |
| Memoranda: | ||
| Average total assets | $169,478,000 | 3,625 |
| Average earning assets | $156,596,800 | 3,583 |
| Average equity | $15,697,200 | 3,923 |
| Average total loans | $130,293,200 | 3,262 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2801% | 1,177 |
| Cost of funding earning assets | 1.8831% | 3,970 |
| Net interest margin | 4.3971% | 1,445 |
| Noninterest income to average assets | 0.7884% | 2,499 |
| Noninterest expense to average assets | 2.6921% | 5,361 |
| Loan and lease loss provision to assets | 0.5286% | 3,270 |
| Net operating income to assets | 1.6044% | 662 |
| Return on assets (ROA) | 1.6188% | 692 |
| Pretax return on assets | 1.6430% | 1,088 |
| Return on Equity (ROE) | 17.1504% | 536 |
| Retained earnings to average equity (ytd only) | 10.0884% | 624 |
| Net charge-offs to loans | 0.1735% | 5,005 |
| Credit loss provision to net charge-offs | 392.2156% | 1,024 |
| Earnings coverage of net charge-offs (x) | 16.0061% | 1,499 |
| Efficiency ratio | 55.5167% | 7,063 |
| Assets per employee ($millions) | 4.8933% | 2,273 |
| Cash dividends to net income (ytd only)* | 41.1766% | 2,387 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4255% | 3,807 |
| Loan loss allowance to noncurrent loans | 39.9541% | 5,680 |
| Noncurrent assets plus other real estate owned to assets | 2.7538% | 2,523 |
| Noncurrent loans to loans | 3.5677% | 2,097 |
| Net loans and leases to total assets | 75.0974% | 2,226 |
| Net loans and leases to deposits | 83.2541% | 3,786 |
| Net loans and leases to core deposits | 117.9823% | 2,414 |
| Total domestic deposits to total assets | 90.2025% | 699 |
| Equity capital to assets | 9.1429% | 5,273 |
| Core capital (leverage) ratio | 9.3941% | 4,061 |
| Tier 1 risk-based capital ratio | 11.9706% | 5,003 |
| Total risk-based capital ratio | 13.2300% | 4,930 |
| Memoranda: | ||
| Average total assets | $165,222,500 | 3,703 |
| Average earning assets | $152,583,000 | 3,679 |
| Average equity | $15,595,000 | 3,984 |
| Average total loans | $128,359,000 | 3,332 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4120% | 981 |
| Cost of funding earning assets | 1.9029% | 4,247 |
| Net interest margin | 4.5091% | 1,149 |
| Noninterest income to average assets | 0.9482% | 1,766 |
| Noninterest expense to average assets | 2.8841% | 4,564 |
| Loan and lease loss provision to assets | 0.4580% | 3,237 |
| Net operating income to assets | 1.7406% | 521 |
| Return on assets (ROA) | 1.7626% | 546 |
| Pretax return on assets | 1.7874% | 867 |
| Return on Equity (ROE) | 18.4639% | 454 |
| Retained earnings to average equity (ytd only) | 10.9305% | 573 |
| Net charge-offs to loans | -0.0174% | 7,671 |
| Credit loss provision to net charge-offs | -3,363.6364% | 7,212 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.4712% | 7,062 |
| Assets per employee ($millions) | 4.6251% | 2,562 |
| Cash dividends to net income (ytd only)* | 40.8006% | 2,403 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3861% | 3,804 |
| Loan loss allowance to noncurrent loans | 48.8360% | 5,090 |
| Noncurrent assets plus other real estate owned to assets | 2.2564% | 2,888 |
| Noncurrent loans to loans | 2.8383% | 2,538 |
| Net loans and leases to total assets | 77.0818% | 1,934 |
| Net loans and leases to deposits | 85.7852% | 3,583 |
| Net loans and leases to core deposits | 113.2849% | 2,990 |
| Total domestic deposits to total assets | 89.8544% | 888 |
| Equity capital to assets | 9.3907% | 4,762 |
| Core capital (leverage) ratio | 9.7426% | 3,580 |
| Tier 1 risk-based capital ratio | 12.1981% | 4,753 |
| Total risk-based capital ratio | 13.4536% | 4,660 |
| Memoranda: | ||
| Average total assets | $161,577,330 | 3,790 |
| Average earning assets | $149,032,000 | 3,764 |
| Average equity | $15,424,670 | 4,031 |
| Average total loans | $126,411,000 | 3,414 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1673% | 263 |
| Cost of funding earning assets | 1.9252% | 4,510 |
| Net interest margin | 5.2421% | 262 |
| Noninterest income to average assets | 0.3897% | 5,301 |
| Noninterest expense to average assets | 2.8030% | 4,550 |
| Loan and lease loss provision to assets | 0.3017% | 3,533 |
| Net operating income to assets | 2.1218% | 270 |
| Return on assets (ROA) | 2.1218% | 317 |
| Pretax return on assets | 2.1519% | 490 |
| Return on Equity (ROE) | 22.0380% | 306 |
| Retained earnings to average equity (ytd only) | 15.1968% | 392 |
| Net charge-offs to loans | -0.1638% | 7,987 |
| Credit loss provision to net charge-offs | -235.2941% | 6,302 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.3238% | 7,286 |
| Assets per employee ($millions) | 4.4063% | 2,869 |
| Cash dividends to net income (ytd only)* | 31.0427% | 2,294 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2579% | 4,356 |
| Loan loss allowance to noncurrent loans | 44.2933% | 5,570 |
| Noncurrent assets plus other real estate owned to assets | 2.3098% | 2,491 |
| Noncurrent loans to loans | 2.8399% | 2,304 |
| Net loans and leases to total assets | 78.9322% | 1,598 |
| Net loans and leases to deposits | 88.1969% | 3,255 |
| Net loans and leases to core deposits | 114.7825% | 2,928 |
| Total domestic deposits to total assets | 89.4954% | 1,011 |
| Equity capital to assets | 9.7859% | 4,253 |
| Core capital (leverage) ratio | 9.8928% | 3,525 |
| Tier 1 risk-based capital ratio | 12.1485% | 4,827 |
| Total risk-based capital ratio | 13.4032% | 4,717 |
| Memoranda: | ||
| Average total assets | $159,113,500 | 3,851 |
| Average earning assets | $147,727,000 | 3,795 |
| Average equity | $15,319,000 | 4,081 |
| Average total loans | $124,542,000 | 3,473 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2793% | 621 |
| Cost of funding earning assets | 2.6331% | 3,519 |
| Net interest margin | 4.6462% | 1,058 |
| Noninterest income to average assets | 0.3463% | 5,967 |
| Noninterest expense to average assets | 2.7180% | 5,188 |
| Loan and lease loss provision to assets | 0.2498% | 4,421 |
| Net operating income to assets | 1.6472% | 753 |
| Return on assets (ROA) | 1.6404% | 731 |
| Pretax return on assets | 1.6508% | 1,260 |
| Return on Equity (ROE) | 15.9188% | 786 |
| Retained earnings to average equity (ytd only) | 5.6699% | 1,682 |
| Net charge-offs to loans | -0.0220% | 7,939 |
| Credit loss provision to net charge-offs | -1,500.0000% | 7,458 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7609% | 6,566 |
| Assets per employee ($millions) | 4.5600% | 2,524 |
| Cash dividends to net income (ytd only)* | 64.3824% | 2,455 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1653% | 4,813 |
| Loan loss allowance to noncurrent loans | 243.1741% | 1,623 |
| Noncurrent assets plus other real estate owned to assets | 0.4981% | 5,709 |
| Noncurrent loans to loans | 0.4792% | 5,911 |
| Net loans and leases to total assets | 75.7245% | 2,701 |
| Net loans and leases to deposits | 84.3355% | 4,377 |
| Net loans and leases to core deposits | 101.7829% | 4,640 |
| Total domestic deposits to total assets | 89.7895% | 725 |
| Equity capital to assets | 9.4705% | 4,732 |
| Core capital (leverage) ratio | 9.7834% | 3,673 |
| Tier 1 risk-based capital ratio | 12.0838% | 4,752 |
| Total risk-based capital ratio | 13.2416% | 4,717 |
| Memoranda: | ||
| Average total assets | $144,114,800 | 4,006 |
| Average earning assets | $132,732,200 | 3,994 |
| Average equity | $14,850,400 | 4,173 |
| Average total loans | $109,145,200 | 3,700 |