Home > Streator Home Savings Bank > Performance and Condition Ratios
Streator Home Savings Bank, Performance and Condition Ratios
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2128% | 4,563 |
| Cost of funding earning assets | 1.5032% | 3,188 |
| Net interest margin | 0.7096% | 4,527 |
| Noninterest income to average assets | 0.0300% | 4,444 |
| Noninterest expense to average assets | 1.1756% | 4,449 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | -0.3488% | 4,426 |
| Return on assets (ROA) | -0.3488% | 4,413 |
| Pretax return on assets | -0.4634% | 4,418 |
| Return on Equity (ROE) | -1.3300% | 4,317 |
| Retained earnings to average equity (ytd only) | -1.3349% | 3,869 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 165.0685% | 45 |
| Assets per employee ($millions) | 11.7899% | 444 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7980% | 3,946 |
| Loan loss allowance to noncurrent loans | 46.4856% | 3,644 |
| Noncurrent assets plus other real estate owned to assets | 0.3793% | 1,612 |
| Noncurrent loans to loans | 1.7166% | 432 |
| Net loans and leases to total assets | 21.9200% | 4,372 |
| Net loans and leases to deposits | 31.1216% | 4,336 |
| Net loans and leases to core deposits | 33.6988% | 4,361 |
| Total domestic deposits to total assets | 70.4300% | 4,272 |
| Equity capital to assets | 25.9345% | 180 |
| Core capital (leverage) ratio | 26.3965% | 144 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $164,002,500 | 3,264 |
| Average earning assets | $157,266,500 | 3,213 |
| Average equity | $42,850,000 | 1,871 |
| Average total loans | $36,487,500 | 4,055 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4511% | 4,563 |
| Cost of funding earning assets | 1.0411% | 3,208 |
| Net interest margin | 1.4100% | 4,518 |
| Noninterest income to average assets | 0.0300% | 4,476 |
| Noninterest expense to average assets | 1.4244% | 4,378 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.0205% | 4,312 |
| Return on assets (ROA) | 0.0205% | 4,338 |
| Pretax return on assets | -0.0446% | 4,379 |
| Return on Equity (ROE) | 0.0800% | 4,339 |
| Retained earnings to average equity (ytd only) | 0.0795% | 4,026 |
| Net charge-offs to loans | 0.0218% | 1,896 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | -9.2500% | 4,552 |
| Efficiency ratio | 103.2357% | 158 |
| Assets per employee ($millions) | 12.5344% | 365 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7971% | 3,969 |
| Loan loss allowance to noncurrent loans | 48.0198% | 3,631 |
| Noncurrent assets plus other real estate owned to assets | 0.3719% | 1,483 |
| Noncurrent loans to loans | 1.6600% | 382 |
| Net loans and leases to total assets | 22.2300% | 4,386 |
| Net loans and leases to deposits | 31.7531% | 4,337 |
| Net loans and leases to core deposits | 34.4793% | 4,358 |
| Total domestic deposits to total assets | 70.0000% | 4,290 |
| Equity capital to assets | 26.3233% | 180 |
| Core capital (leverage) ratio | 26.5335% | 142 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $165,748,800 | 3,227 |
| Average earning assets | $158,579,400 | 3,178 |
| Average equity | $42,772,800 | 1,798 |
| Average total loans | $36,759,800 | 4,043 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4342% | 4,582 |
| Cost of funding earning assets | 0.9310% | 3,200 |
| Net interest margin | 1.5033% | 4,524 |
| Noninterest income to average assets | 0.0300% | 4,496 |
| Noninterest expense to average assets | 1.4699% | 4,332 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.0665% | 4,340 |
| Return on assets (ROA) | 0.0665% | 4,361 |
| Pretax return on assets | -0.0024% | 4,403 |
| Return on Equity (ROE) | 0.2600% | 4,368 |
| Retained earnings to average equity (ytd only) | 0.2589% | 4,073 |
| Net charge-offs to loans | 0.0072% | 2,165 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | -1.5000% | 4,570 |
| Efficiency ratio | 100.1638% | 177 |
| Assets per employee ($millions) | 11.7980% | 395 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8094% | 3,964 |
| Loan loss allowance to noncurrent loans | 64.2857% | 3,520 |
| Noncurrent assets plus other real estate owned to assets | 0.2797% | 1,887 |
| Noncurrent loans to loans | 1.2591% | 610 |
| Net loans and leases to total assets | 22.0300% | 4,419 |
| Net loans and leases to deposits | 31.5701% | 4,362 |
| Net loans and leases to core deposits | 33.9934% | 4,349 |
| Total domestic deposits to total assets | 69.8000% | 4,328 |
| Equity capital to assets | 25.8591% | 187 |
| Core capital (leverage) ratio | 26.3108% | 145 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $166,449,250 | 3,226 |
| Average earning assets | $159,116,000 | 3,186 |
| Average equity | $42,742,750 | 1,783 |
| Average total loans | $36,823,000 | 4,055 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4286% | 4,614 |
| Cost of funding earning assets | 0.8392% | 3,100 |
| Net interest margin | 1.5894% | 4,570 |
| Noninterest income to average assets | 0.0300% | 4,529 |
| Noninterest expense to average assets | 1.4790% | 4,351 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.0731% | 4,378 |
| Return on assets (ROA) | 0.0731% | 4,414 |
| Pretax return on assets | 0.0683% | 4,413 |
| Return on Equity (ROE) | 0.2900% | 4,418 |
| Retained earnings to average equity (ytd only) | 0.2854% | 4,026 |
| Net charge-offs to loans | 0.0108% | 1,798 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 28.5000% | 1,577 |
| Efficiency ratio | 95.5848% | 232 |
| Assets per employee ($millions) | 9.7534% | 719 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8088% | 3,999 |
| Loan loss allowance to noncurrent loans | 78.9894% | 3,438 |
| Noncurrent assets plus other real estate owned to assets | 0.2268% | 2,053 |
| Noncurrent loans to loans | 1.0239% | 737 |
| Net loans and leases to total assets | 21.9700% | 4,438 |
| Net loans and leases to deposits | 31.4605% | 4,381 |
| Net loans and leases to core deposits | 33.7284% | 4,364 |
| Total domestic deposits to total assets | 69.8300% | 4,366 |
| Equity capital to assets | 25.8118% | 187 |
| Core capital (leverage) ratio | 25.9722% | 147 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $166,875,000 | 3,234 |
| Average earning assets | $159,434,333 | 3,195 |
| Average equity | $42,753,000 | 1,793 |
| Average total loans | $36,866,667 | 4,064 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4015% | 4,642 |
| Cost of funding earning assets | 0.7322% | 2,956 |
| Net interest margin | 1.6693% | 4,623 |
| Noninterest income to average assets | 0.0300% | 4,580 |
| Noninterest expense to average assets | 1.6295% | 4,268 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.0143% | 4,471 |
| Return on assets (ROA) | 0.0143% | 4,456 |
| Pretax return on assets | -0.0072% | 4,470 |
| Return on Equity (ROE) | 0.0600% | 4,448 |
| Retained earnings to average equity (ytd only) | 0.0562% | 4,009 |
| Net charge-offs to loans | 0.0217% | 1,247 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | -1.5000% | 4,647 |
| Efficiency ratio | 100.4418% | 165 |
| Assets per employee ($millions) | 11.2067% | 491 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8054% | 4,073 |
| Loan loss allowance to noncurrent loans | 90.8257% | 3,407 |
| Noncurrent assets plus other real estate owned to assets | 0.1945% | 2,172 |
| Noncurrent loans to loans | 0.8867% | 850 |
| Net loans and leases to total assets | 21.7600% | 4,500 |
| Net loans and leases to deposits | 30.9368% | 4,427 |
| Net loans and leases to core deposits | 33.3324% | 4,407 |
| Total domestic deposits to total assets | 70.3400% | 4,408 |
| Equity capital to assets | 25.4573% | 148 |
| Core capital (leverage) ratio | 25.8265% | 150 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $167,408,500 | 3,278 |
| Average earning assets | $160,066,000 | 3,231 |
| Average equity | $42,730,500 | 1,813 |
| Average total loans | $36,939,500 | 4,118 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2799% | 4,570 |
| Cost of funding earning assets | 0.2973% | 2,901 |
| Net interest margin | 1.9826% | 4,556 |
| Noninterest income to average assets | 0.0500% | 4,578 |
| Noninterest expense to average assets | 1.5638% | 4,351 |
| Loan and lease loss provision to assets | 0.0100% | 2,705 |
| Net operating income to assets | 0.3412% | 4,326 |
| Return on assets (ROA) | 0.3412% | 4,290 |
| Pretax return on assets | 0.3834% | 4,293 |
| Return on Equity (ROE) | 1.3300% | 4,455 |
| Retained earnings to average equity (ytd only) | 1.3253% | 4,134 |
| Net charge-offs to loans | 0.1680% | 497 |
| Credit loss provision to net charge-offs | 14.2857% | 1,948 |
| Earnings coverage of net charge-offs (x) | 10.2381% | 2,196 |
| Efficiency ratio | 80.0864% | 710 |
| Assets per employee ($millions) | 9.8068% | 718 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8081% | 4,010 |
| Loan loss allowance to noncurrent loans | 81.2500% | 3,468 |
| Noncurrent assets plus other real estate owned to assets | 0.2207% | 2,053 |
| Noncurrent loans to loans | 0.9945% | 735 |
| Net loans and leases to total assets | 22.0200% | 4,533 |
| Net loans and leases to deposits | 31.3032% | 4,442 |
| Net loans and leases to core deposits | 33.4750% | 4,427 |
| Total domestic deposits to total assets | 70.3300% | 4,465 |
| Equity capital to assets | 25.5926% | 141 |
| Core capital (leverage) ratio | 26.3577% | 147 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $165,882,200 | 3,297 |
| Average earning assets | $158,779,400 | 3,257 |
| Average equity | $42,706,600 | 1,837 |
| Average total loans | $37,491,200 | 4,109 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2692% | 4,545 |
| Cost of funding earning assets | 0.2521% | 2,676 |
| Net interest margin | 2.0170% | 4,545 |
| Noninterest income to average assets | 0.0600% | 4,582 |
| Noninterest expense to average assets | 1.5975% | 4,305 |
| Loan and lease loss provision to assets | 0.0100% | 2,534 |
| Net operating income to assets | 0.3525% | 4,319 |
| Return on assets (ROA) | 0.3525% | 4,267 |
| Pretax return on assets | 0.3895% | 4,274 |
| Return on Equity (ROE) | 1.3700% | 4,466 |
| Retained earnings to average equity (ytd only) | 1.3671% | 4,164 |
| Net charge-offs to loans | 0.2233% | 308 |
| Credit loss provision to net charge-offs | 14.2857% | 1,647 |
| Earnings coverage of net charge-offs (x) | 7.8254% | 2,064 |
| Efficiency ratio | 80.1049% | 769 |
| Assets per employee ($millions) | 10.1814% | 620 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8008% | 4,091 |
| Loan loss allowance to noncurrent loans | 79.9465% | 3,539 |
| Noncurrent assets plus other real estate owned to assets | 0.2296% | 2,085 |
| Noncurrent loans to loans | 1.0017% | 775 |
| Net loans and leases to total assets | 22.7400% | 4,564 |
| Net loans and leases to deposits | 31.2580% | 4,480 |
| Net loans and leases to core deposits | 33.2525% | 4,462 |
| Total domestic deposits to total assets | 72.7400% | 4,492 |
| Equity capital to assets | 26.1082% | 131 |
| Core capital (leverage) ratio | 26.2443% | 143 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $165,673,750 | 3,327 |
| Average earning assets | $158,645,250 | 3,282 |
| Average equity | $42,716,500 | 1,859 |
| Average total loans | $37,613,500 | 4,133 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2490% | 4,543 |
| Cost of funding earning assets | 0.2585% | 2,160 |
| Net interest margin | 1.9905% | 4,562 |
| Noninterest income to average assets | 0.0432% | 4,651 |
| Noninterest expense to average assets | 1.5534% | 4,352 |
| Loan and lease loss provision to assets | 0.0108% | 2,391 |
| Net operating income to assets | 0.3265% | 4,241 |
| Return on assets (ROA) | 0.3265% | 4,195 |
| Pretax return on assets | 0.3830% | 4,183 |
| Return on Equity (ROE) | 1.2717% | 4,428 |
| Retained earnings to average equity (ytd only) | 1.2717% | 3,930 |
| Net charge-offs to loans | 0.3342% | 207 |
| Credit loss provision to net charge-offs | 14.2857% | 1,621 |
| Earnings coverage of net charge-offs (x) | 5.2063% | 1,937 |
| Efficiency ratio | 79.7781% | 964 |
| Assets per employee ($millions) | 10.3903% | 587 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7979% | 4,177 |
| Loan loss allowance to noncurrent loans | 79.3103% | 3,547 |
| Noncurrent assets plus other real estate owned to assets | 0.2538% | 2,045 |
| Noncurrent loans to loans | 1.0061% | 831 |
| Net loans and leases to total assets | 22.3610% | 4,623 |
| Net loans and leases to deposits | 30.5589% | 4,537 |
| Net loans and leases to core deposits | 32.3934% | 4,525 |
| Total domestic deposits to total assets | 73.1733% | 4,558 |
| Equity capital to assets | 25.6417% | 89 |
| Core capital (leverage) ratio | 26.0546% | 95 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $166,597,333 | 3,358 |
| Average earning assets | $159,358,667 | 3,317 |
| Average equity | $42,778,333 | 1,904 |
| Average total loans | $37,706,000 | 4,180 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2254% | 4,516 |
| Cost of funding earning assets | 0.2735% | 1,892 |
| Net interest margin | 1.9519% | 4,543 |
| Noninterest income to average assets | 0.0336% | 4,696 |
| Noninterest expense to average assets | 1.6046% | 4,290 |
| Loan and lease loss provision to assets | 0.0216% | 1,966 |
| Net operating income to assets | 0.2398% | 4,260 |
| Return on assets (ROA) | 0.2398% | 4,233 |
| Pretax return on assets | 0.2734% | 4,223 |
| Return on Equity (ROE) | 0.9334% | 4,435 |
| Retained earnings to average equity (ytd only) | 0.9334% | 3,837 |
| Net charge-offs to loans | 0.0212% | 1,118 |
| Credit loss provision to net charge-offs | 450.0000% | 550 |
| Earnings coverage of net charge-offs (x) | 61.5000% | 846 |
| Efficiency ratio | 84.4697% | 816 |
| Assets per employee ($millions) | 10.3655% | 620 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9567% | 3,886 |
| Loan loss allowance to noncurrent loans | 69.3642% | 3,668 |
| Noncurrent assets plus other real estate owned to assets | 0.3232% | 1,820 |
| Noncurrent loans to loans | 1.3793% | 621 |
| Net loans and leases to total assets | 22.4718% | 4,638 |
| Net loans and leases to deposits | 30.7739% | 4,529 |
| Net loans and leases to core deposits | 32.6311% | 4,516 |
| Total domestic deposits to total assets | 73.0223% | 4,599 |
| Equity capital to assets | 25.7826% | 84 |
| Core capital (leverage) ratio | 25.7053% | 87 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $166,773,500 | 3,373 |
| Average earning assets | $159,435,000 | 3,334 |
| Average equity | $42,853,500 | 1,952 |
| Average total loans | $37,822,500 | 4,195 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3412% | 4,566 |
| Cost of funding earning assets | 0.3880% | 1,623 |
| Net interest margin | 1.9532% | 4,618 |
| Noninterest income to average assets | 0.0648% | 4,692 |
| Noninterest expense to average assets | 1.5616% | 4,471 |
| Loan and lease loss provision to assets | 0.0318% | 2,411 |
| Net operating income to assets | 0.3055% | 4,415 |
| Return on assets (ROA) | 0.3017% | 4,442 |
| Pretax return on assets | 0.3329% | 4,455 |
| Return on Equity (ROE) | 1.1981% | 4,589 |
| Retained earnings to average equity (ytd only) | 1.1981% | 4,204 |
| Net charge-offs to loans | 0.0130% | 2,077 |
| Credit loss provision to net charge-offs | 1,080.0000% | 505 |
| Earnings coverage of net charge-offs (x) | 125.2000% | 755 |
| Efficiency ratio | 80.8913% | 754 |
| Assets per employee ($millions) | 9.8646% | 692 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9286% | 3,993 |
| Loan loss allowance to noncurrent loans | 79.8643% | 3,596 |
| Noncurrent assets plus other real estate owned to assets | 0.2636% | 2,226 |
| Noncurrent loans to loans | 1.1627% | 826 |
| Net loans and leases to total assets | 22.4587% | 4,683 |
| Net loans and leases to deposits | 31.4288% | 4,591 |
| Net loans and leases to core deposits | 33.3469% | 4,575 |
| Total domestic deposits to total assets | 71.4590% | 4,654 |
| Equity capital to assets | 25.6096% | 87 |
| Core capital (leverage) ratio | 25.4562% | 90 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $169,698,400 | 3,306 |
| Average earning assets | $162,093,200 | 3,255 |
| Average equity | $42,734,000 | 1,986 |
| Average total loans | $38,358,600 | 4,225 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3566% | 4,650 |
| Cost of funding earning assets | 0.4106% | 1,619 |
| Net interest margin | 1.9460% | 4,701 |
| Noninterest income to average assets | 0.0736% | 4,749 |
| Noninterest expense to average assets | 1.5675% | 4,514 |
| Loan and lease loss provision to assets | 0.0353% | 2,296 |
| Net operating income to assets | 0.3082% | 4,508 |
| Return on assets (ROA) | 0.3032% | 4,535 |
| Pretax return on assets | 0.3290% | 4,569 |
| Return on Equity (ROE) | 1.2089% | 4,677 |
| Retained earnings to average equity (ytd only) | 1.2089% | 4,369 |
| Net charge-offs to loans | 0.0173% | 1,713 |
| Credit loss provision to net charge-offs | 900.0000% | 538 |
| Earnings coverage of net charge-offs (x) | 94.4000% | 896 |
| Efficiency ratio | 80.9139% | 702 |
| Assets per employee ($millions) | 10.0372% | 631 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8939% | 4,165 |
| Loan loss allowance to noncurrent loans | 88.4319% | 3,528 |
| Noncurrent assets plus other real estate owned to assets | 0.2280% | 2,638 |
| Noncurrent loans to loans | 1.0109% | 1,139 |
| Net loans and leases to total assets | 22.3504% | 4,765 |
| Net loans and leases to deposits | 31.5955% | 4,678 |
| Net loans and leases to core deposits | 33.6635% | 4,664 |
| Total domestic deposits to total assets | 70.7394% | 4,718 |
| Equity capital to assets | 25.1307% | 95 |
| Core capital (leverage) ratio | 25.0275% | 98 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $170,198,250 | 3,334 |
| Average earning assets | $162,999,250 | 3,278 |
| Average equity | $42,680,750 | 2,015 |
| Average total loans | $38,444,250 | 4,285 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3665% | 4,688 |
| Cost of funding earning assets | 0.4374% | 1,603 |
| Net interest margin | 1.9291% | 4,743 |
| Noninterest income to average assets | 0.0353% | 4,860 |
| Noninterest expense to average assets | 1.5630% | 4,558 |
| Loan and lease loss provision to assets | 0.0353% | 2,286 |
| Net operating income to assets | 0.2564% | 4,575 |
| Return on assets (ROA) | 0.2564% | 4,594 |
| Pretax return on assets | 0.2834% | 4,602 |
| Return on Equity (ROE) | 1.0231% | 4,699 |
| Retained earnings to average equity (ytd only) | 1.0231% | 4,334 |
| Net charge-offs to loans | 0.0260% | 1,429 |
| Credit loss provision to net charge-offs | 600.0000% | 623 |
| Earnings coverage of net charge-offs (x) | 54.2000% | 1,024 |
| Efficiency ratio | 83.0625% | 611 |
| Assets per employee ($millions) | 10.1404% | 582 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8570% | 4,271 |
| Loan loss allowance to noncurrent loans | 66.1972% | 3,761 |
| Noncurrent assets plus other real estate owned to assets | 0.3028% | 2,401 |
| Noncurrent loans to loans | 1.2946% | 910 |
| Net loans and leases to total assets | 22.0795% | 4,803 |
| Net loans and leases to deposits | 31.0307% | 4,739 |
| Net loans and leases to core deposits | 33.0273% | 4,728 |
| Total domestic deposits to total assets | 71.1537% | 4,729 |
| Equity capital to assets | 24.7839% | 96 |
| Core capital (leverage) ratio | 24.9920% | 92 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $170,053,667 | 3,338 |
| Average earning assets | $162,774,000 | 3,285 |
| Average equity | $42,614,000 | 2,010 |
| Average total loans | $38,432,000 | 4,317 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4157% | 4,706 |
| Cost of funding earning assets | 0.4618% | 1,643 |
| Net interest margin | 1.9539% | 4,749 |
| Noninterest income to average assets | 0.0355% | 4,879 |
| Noninterest expense to average assets | 1.5987% | 4,535 |
| Loan and lease loss provision to assets | 0.0355% | 2,304 |
| Net operating income to assets | 0.2463% | 4,597 |
| Return on assets (ROA) | 0.2463% | 4,618 |
| Pretax return on assets | 0.2653% | 4,632 |
| Return on Equity (ROE) | 0.9775% | 4,713 |
| Retained earnings to average equity (ytd only) | 0.9775% | 4,223 |
| Net charge-offs to loans | 0.0520% | 985 |
| Credit loss provision to net charge-offs | 300.0000% | 753 |
| Earnings coverage of net charge-offs (x) | 25.4000% | 1,156 |
| Efficiency ratio | 84.1646% | 590 |
| Assets per employee ($millions) | 10.0192% | 585 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8149% | 4,377 |
| Loan loss allowance to noncurrent loans | 70.5618% | 3,708 |
| Noncurrent assets plus other real estate owned to assets | 0.2759% | 2,771 |
| Noncurrent loans to loans | 1.1548% | 1,153 |
| Net loans and leases to total assets | 22.4392% | 4,836 |
| Net loans and leases to deposits | 31.3381% | 4,776 |
| Net loans and leases to core deposits | 33.4503% | 4,766 |
| Total domestic deposits to total assets | 71.6034% | 4,730 |
| Equity capital to assets | 24.9508% | 93 |
| Core capital (leverage) ratio | 25.3601% | 89 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $168,887,500 | 3,349 |
| Average earning assets | $161,114,500 | 3,297 |
| Average equity | $42,559,000 | 2,001 |
| Average total loans | $38,452,500 | 4,332 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7573% | 4,769 |
| Cost of funding earning assets | 0.7347% | 1,544 |
| Net interest margin | 2.0226% | 4,820 |
| Noninterest income to average assets | 0.0298% | 4,900 |
| Noninterest expense to average assets | 1.6956% | 4,622 |
| Loan and lease loss provision to assets | 0.0255% | 4,078 |
| Net operating income to assets | 0.2953% | 4,437 |
| Return on assets (ROA) | 0.3177% | 4,473 |
| Pretax return on assets | 0.2661% | 4,589 |
| Return on Equity (ROE) | 1.2352% | 4,653 |
| Retained earnings to average equity (ytd only) | 1.2352% | 4,130 |
| Net charge-offs to loans | 0.0787% | 1,688 |
| Credit loss provision to net charge-offs | 135.4839% | 2,516 |
| Earnings coverage of net charge-offs (x) | 14.2903% | 2,219 |
| Efficiency ratio | 86.3018% | 521 |
| Assets per employee ($millions) | 9.8499% | 559 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7923% | 4,440 |
| Loan loss allowance to noncurrent loans | 53.1469% | 3,974 |
| Noncurrent assets plus other real estate owned to assets | 0.3416% | 2,625 |
| Noncurrent loans to loans | 1.4907% | 893 |
| Net loans and leases to total assets | 22.7336% | 4,867 |
| Net loans and leases to deposits | 31.9560% | 4,810 |
| Net loans and leases to core deposits | 34.0045% | 4,804 |
| Total domestic deposits to total assets | 71.1403% | 4,748 |
| Equity capital to assets | 25.4527% | 97 |
| Core capital (leverage) ratio | 25.4983% | 94 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $164,601,400 | 3,244 |
| Average earning assets | $157,473,400 | 3,192 |
| Average equity | $42,342,200 | 1,931 |
| Average total loans | $39,383,600 | 4,319 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8378% | 4,818 |
| Cost of funding earning assets | 0.7938% | 1,529 |
| Net interest margin | 2.0440% | 4,872 |
| Noninterest income to average assets | 0.0309% | 4,929 |
| Noninterest expense to average assets | 1.6873% | 4,635 |
| Loan and lease loss provision to assets | 0.0220% | 4,057 |
| Net operating income to assets | 0.3563% | 4,347 |
| Return on assets (ROA) | 0.3124% | 4,475 |
| Pretax return on assets | 0.2343% | 4,618 |
| Return on Equity (ROE) | 1.2112% | 4,676 |
| Retained earnings to average equity (ytd only) | 1.2112% | 4,177 |
| Net charge-offs to loans | 0.0976% | 1,331 |
| Credit loss provision to net charge-offs | 93.1034% | 2,683 |
| Earnings coverage of net charge-offs (x) | 12.7241% | 2,235 |
| Efficiency ratio | 84.8956% | 567 |
| Assets per employee ($millions) | 11.1125% | 377 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7487% | 4,491 |
| Loan loss allowance to noncurrent loans | 54.6992% | 3,961 |
| Noncurrent assets plus other real estate owned to assets | 0.3444% | 2,765 |
| Noncurrent loans to loans | 1.3688% | 1,068 |
| Net loans and leases to total assets | 23.1426% | 4,901 |
| Net loans and leases to deposits | 32.5786% | 4,873 |
| Net loans and leases to core deposits | 35.3947% | 4,857 |
| Total domestic deposits to total assets | 71.0363% | 4,717 |
| Equity capital to assets | 25.4895% | 99 |
| Core capital (leverage) ratio | 25.4896% | 92 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $163,889,750 | 3,229 |
| Average earning assets | $156,875,750 | 3,183 |
| Average equity | $42,272,750 | 1,921 |
| Average total loans | $39,636,750 | 4,339 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9310% | 4,868 |
| Cost of funding earning assets | 0.8616% | 1,535 |
| Net interest margin | 2.0694% | 4,928 |
| Noninterest income to average assets | 0.0295% | 4,955 |
| Noninterest expense to average assets | 1.6728% | 4,708 |
| Loan and lease loss provision to assets | 0.0147% | 4,046 |
| Net operating income to assets | 0.3005% | 4,419 |
| Return on assets (ROA) | 0.3473% | 4,395 |
| Pretax return on assets | 0.3731% | 4,443 |
| Return on Equity (ROE) | 1.3412% | 4,643 |
| Retained earnings to average equity (ytd only) | 1.3412% | 3,991 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.2112% | 687 |
| Assets per employee ($millions) | 10.3473% | 457 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7700% | 4,418 |
| Loan loss allowance to noncurrent loans | 60.8782% | 3,873 |
| Noncurrent assets plus other real estate owned to assets | 0.3026% | 3,101 |
| Noncurrent loans to loans | 1.2649% | 1,230 |
| Net loans and leases to total assets | 23.7405% | 4,929 |
| Net loans and leases to deposits | 33.4650% | 4,894 |
| Net loans and leases to core deposits | 35.7169% | 4,885 |
| Total domestic deposits to total assets | 70.9411% | 4,751 |
| Equity capital to assets | 25.5797% | 97 |
| Core capital (leverage) ratio | 25.3838% | 93 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $162,957,000 | 3,219 |
| Average earning assets | $155,985,667 | 3,173 |
| Average equity | $42,201,000 | 1,913 |
| Average total loans | $39,893,333 | 4,356 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0397% | 4,938 |
| Cost of funding earning assets | 0.9590% | 1,612 |
| Net interest margin | 2.0808% | 4,996 |
| Noninterest income to average assets | 0.0297% | 5,002 |
| Noninterest expense to average assets | 1.6702% | 4,803 |
| Loan and lease loss provision to assets | 0.0148% | 3,604 |
| Net operating income to assets | 0.3075% | 4,328 |
| Return on assets (ROA) | 0.4008% | 4,170 |
| Pretax return on assets | 0.4380% | 4,225 |
| Return on Equity (ROE) | 1.5382% | 4,537 |
| Retained earnings to average equity (ytd only) | 1.5382% | 3,590 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.6193% | 929 |
| Assets per employee ($millions) | 10.1596% | 366 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7529% | 4,513 |
| Loan loss allowance to noncurrent loans | 53.5842% | 4,026 |
| Noncurrent assets plus other real estate owned to assets | 0.3433% | 3,069 |
| Noncurrent loans to loans | 1.4052% | 1,131 |
| Net loans and leases to total assets | 24.2455% | 4,973 |
| Net loans and leases to deposits | 33.1720% | 4,941 |
| Net loans and leases to core deposits | 35.5303% | 4,930 |
| Total domestic deposits to total assets | 73.0902% | 4,720 |
| Equity capital to assets | 25.9532% | 99 |
| Core capital (leverage) ratio | 26.1301% | 99 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $161,657,000 | 3,196 |
| Average earning assets | $154,751,000 | 3,147 |
| Average equity | $42,127,000 | 1,908 |
| Average total loans | $40,035,500 | 4,378 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1350% | 5,020 |
| Cost of funding earning assets | 1.0358% | 1,580 |
| Net interest margin | 2.0992% | 5,081 |
| Noninterest income to average assets | 0.0290% | 5,082 |
| Noninterest expense to average assets | 1.6409% | 4,919 |
| Loan and lease loss provision to assets | 0.0145% | 3,724 |
| Net operating income to assets | 0.3860% | 4,618 |
| Return on assets (ROA) | 0.4250% | 4,580 |
| Pretax return on assets | 0.4335% | 4,660 |
| Return on Equity (ROE) | 1.6895% | 4,834 |
| Retained earnings to average equity (ytd only) | 1.6895% | 4,126 |
| Net charge-offs to loans | 0.1127% | 1,606 |
| Credit loss provision to net charge-offs | 52.1739% | 3,105 |
| Earnings coverage of net charge-offs (x) | 14.6957% | 2,272 |
| Efficiency ratio | 80.0825% | 938 |
| Assets per employee ($millions) | 8.9311% | 515 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7260% | 4,518 |
| Loan loss allowance to noncurrent loans | 46.6561% | 4,146 |
| Noncurrent assets plus other real estate owned to assets | 0.3906% | 2,840 |
| Noncurrent loans to loans | 1.5560% | 914 |
| Net loans and leases to total assets | 24.9235% | 5,029 |
| Net loans and leases to deposits | 34.2041% | 4,996 |
| Net loans and leases to core deposits | 36.4034% | 4,988 |
| Total domestic deposits to total assets | 72.8670% | 4,834 |
| Equity capital to assets | 26.1670% | 111 |
| Core capital (leverage) ratio | 25.9976% | 111 |
| Tier 1 risk-based capital ratio | 92.6040% | 47 |
| Total risk-based capital ratio | 93.3979% | 47 |
| Memoranda: | ||
| Average total assets | $165,643,800 | 3,147 |
| Average earning assets | $159,395,000 | 3,084 |
| Average equity | $41,669,400 | 1,861 |
| Average total loans | $40,824,200 | 4,390 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1567% | 5,106 |
| Cost of funding earning assets | 1.0315% | 1,622 |
| Net interest margin | 2.1252% | 5,164 |
| Noninterest income to average assets | 0.0312% | 5,150 |
| Noninterest expense to average assets | 1.6468% | 4,967 |
| Loan and lease loss provision to assets | 0.0144% | 3,618 |
| Net operating income to assets | 0.4100% | 4,703 |
| Return on assets (ROA) | 0.4554% | 4,648 |
| Pretax return on assets | 0.4626% | 4,740 |
| Return on Equity (ROE) | 1.8282% | 4,918 |
| Retained earnings to average equity (ytd only) | 1.8282% | 4,330 |
| Net charge-offs to loans | 0.1498% | 1,088 |
| Credit loss provision to net charge-offs | 39.1304% | 2,863 |
| Earnings coverage of net charge-offs (x) | 11.7178% | 2,420 |
| Efficiency ratio | 79.2692% | 983 |
| Assets per employee ($millions) | 9.0517% | 473 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7057% | 4,638 |
| Loan loss allowance to noncurrent loans | 47.6744% | 4,213 |
| Noncurrent assets plus other real estate owned to assets | 0.3695% | 3,028 |
| Noncurrent loans to loans | 1.4802% | 1,025 |
| Net loans and leases to total assets | 24.7847% | 5,122 |
| Net loans and leases to deposits | 33.8480% | 5,092 |
| Net loans and leases to core deposits | 36.1755% | 5,079 |
| Total domestic deposits to total assets | 73.2236% | 4,853 |
| Equity capital to assets | 25.7496% | 117 |
| Core capital (leverage) ratio | 25.3155% | 116 |
| Tier 1 risk-based capital ratio | 89.9212% | 48 |
| Total risk-based capital ratio | 90.7117% | 47 |
| Memoranda: | ||
| Average total assets | $166,864,750 | 3,162 |
| Average earning assets | $160,667,750 | 3,108 |
| Average equity | $41,570,250 | 1,873 |
| Average total loans | $40,940,250 | 4,446 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1417% | 5,171 |
| Cost of funding earning assets | 1.0036% | 1,681 |
| Net interest margin | 2.1381% | 5,225 |
| Noninterest income to average assets | 0.0285% | 5,204 |
| Noninterest expense to average assets | 1.6031% | 5,054 |
| Loan and lease loss provision to assets | 0.0143% | 3,492 |
| Net operating income to assets | 0.4298% | 4,674 |
| Return on assets (ROA) | 0.4353% | 4,689 |
| Pretax return on assets | 0.4769% | 4,724 |
| Return on Equity (ROE) | 1.7663% | 4,970 |
| Retained earnings to average equity (ytd only) | 1.7663% | 4,185 |
| Net charge-offs to loans | 0.1901% | 873 |
| Credit loss provision to net charge-offs | 30.7692% | 2,596 |
| Earnings coverage of net charge-offs (x) | 10.4615% | 2,268 |
| Efficiency ratio | 76.7654% | 1,303 |
| Assets per employee ($millions) | 9.2838% | 418 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7088% | 4,695 |
| Loan loss allowance to noncurrent loans | 50.3497% | 4,187 |
| Noncurrent assets plus other real estate owned to assets | 0.3423% | 3,167 |
| Noncurrent loans to loans | 1.4078% | 1,102 |
| Net loans and leases to total assets | 24.1411% | 5,174 |
| Net loans and leases to deposits | 32.6141% | 5,142 |
| Net loans and leases to core deposits | 35.0736% | 5,134 |
| Total domestic deposits to total assets | 74.0205% | 4,831 |
| Equity capital to assets | 24.9526% | 127 |
| Core capital (leverage) ratio | 24.8246% | 119 |
| Tier 1 risk-based capital ratio | 88.0325% | 51 |
| Total risk-based capital ratio | 88.7616% | 51 |
| Memoranda: | ||
| Average total assets | $168,176,000 | 3,175 |
| Average earning assets | $162,015,330 | 3,111 |
| Average equity | $41,442,330 | 1,877 |
| Average total loans | $41,030,670 | 4,474 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0889% | 5,244 |
| Cost of funding earning assets | 0.9584% | 1,755 |
| Net interest margin | 2.1305% | 5,297 |
| Noninterest income to average assets | 0.0261% | 5,265 |
| Noninterest expense to average assets | 1.4818% | 5,181 |
| Loan and lease loss provision to assets | 0.0142% | 3,250 |
| Net operating income to assets | 0.5216% | 4,457 |
| Return on assets (ROA) | 0.5216% | 4,479 |
| Pretax return on assets | 0.5856% | 4,541 |
| Return on Equity (ROE) | 2.1300% | 4,953 |
| Retained earnings to average equity (ytd only) | 2.1300% | 4,037 |
| Net charge-offs to loans | 0.2037% | 686 |
| Credit loss provision to net charge-offs | 28.5714% | 2,095 |
| Earnings coverage of net charge-offs (x) | 12.0476% | 1,887 |
| Efficiency ratio | 71.1845% | 2,161 |
| Assets per employee ($millions) | 9.4691% | 404 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7322% | 4,713 |
| Loan loss allowance to noncurrent loans | 40.7609% | 4,431 |
| Noncurrent assets plus other real estate owned to assets | 0.4318% | 2,860 |
| Noncurrent loans to loans | 1.7963% | 860 |
| Net loans and leases to total assets | 23.8624% | 5,239 |
| Net loans and leases to deposits | 32.4361% | 5,189 |
| Net loans and leases to core deposits | 35.2090% | 5,182 |
| Total domestic deposits to total assets | 73.5673% | 4,964 |
| Equity capital to assets | 24.3394% | 125 |
| Core capital (leverage) ratio | 24.6542% | 117 |
| Tier 1 risk-based capital ratio | 86.9759% | 50 |
| Total risk-based capital ratio | 87.7281% | 50 |
| Memoranda: | ||
| Average total assets | $168,709,500 | 3,204 |
| Average earning assets | $162,778,500 | 3,138 |
| Average equity | $41,314,500 | 1,880 |
| Average total loans | $41,231,000 | 4,507 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0431% | 5,213 |
| Cost of funding earning assets | 0.7592% | 1,742 |
| Net interest margin | 2.2838% | 5,288 |
| Noninterest income to average assets | 0.0299% | 5,306 |
| Noninterest expense to average assets | 1.6028% | 5,165 |
| Loan and lease loss provision to assets | 0.0036% | 4,034 |
| Net operating income to assets | 0.5727% | 4,497 |
| Return on assets (ROA) | 0.5727% | 4,501 |
| Pretax return on assets | 0.6384% | 4,564 |
| Return on Equity (ROE) | 2.3564% | 4,997 |
| Retained earnings to average equity (ytd only) | 2.3564% | 4,200 |
| Net charge-offs to loans | 0.1122% | 1,630 |
| Credit loss provision to net charge-offs | 13.0435% | 3,421 |
| Earnings coverage of net charge-offs (x) | 23.3696% | 1,854 |
| Efficiency ratio | 71.4020% | 1,982 |
| Assets per employee ($millions) | 9.2764% | 422 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7592% | 4,650 |
| Loan loss allowance to noncurrent loans | 38.2746% | 4,511 |
| Noncurrent assets plus other real estate owned to assets | 0.4929% | 2,606 |
| Noncurrent loans to loans | 1.9836% | 684 |
| Net loans and leases to total assets | 24.6594% | 5,271 |
| Net loans and leases to deposits | 33.6260% | 5,229 |
| Net loans and leases to core deposits | 36.0035% | 5,215 |
| Total domestic deposits to total assets | 73.3343% | 4,986 |
| Equity capital to assets | 24.6408% | 114 |
| Core capital (leverage) ratio | 24.7194% | 119 |
| Tier 1 risk-based capital ratio | 86.7130% | 49 |
| Total risk-based capital ratio | 87.4165% | 49 |
| Memoranda: | ||
| Average total assets | $167,457,800 | 3,196 |
| Average earning assets | $162,402,800 | 3,116 |
| Average equity | $40,697,800 | 1,827 |
| Average total loans | $41,015,800 | 4,522 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0268% | 5,277 |
| Cost of funding earning assets | 0.7181% | 1,757 |
| Net interest margin | 2.3087% | 5,346 |
| Noninterest income to average assets | 0.0302% | 5,382 |
| Noninterest expense to average assets | 1.6302% | 5,188 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.5760% | 4,568 |
| Return on assets (ROA) | 0.5760% | 4,574 |
| Pretax return on assets | 0.6381% | 4,662 |
| Return on Equity (ROE) | 2.3784% | 5,086 |
| Retained earnings to average equity (ytd only) | 2.3784% | 4,447 |
| Net charge-offs to loans | 0.1630% | 1,010 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 16.0388% | 2,187 |
| Efficiency ratio | 71.8695% | 1,901 |
| Assets per employee ($millions) | 8.8378% | 470 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7361% | 4,796 |
| Loan loss allowance to noncurrent loans | 33.9266% | 4,678 |
| Noncurrent assets plus other real estate owned to assets | 0.6039% | 2,370 |
| Noncurrent loans to loans | 2.1696% | 655 |
| Net loans and leases to total assets | 24.4945% | 5,348 |
| Net loans and leases to deposits | 32.7808% | 5,319 |
| Net loans and leases to core deposits | 35.1166% | 5,307 |
| Total domestic deposits to total assets | 74.7223% | 4,915 |
| Equity capital to assets | 24.3338% | 123 |
| Core capital (leverage) ratio | 24.4929% | 117 |
| Tier 1 risk-based capital ratio | 87.0365% | 46 |
| Total risk-based capital ratio | 87.7425% | 46 |
| Memoranda: | ||
| Average total assets | $167,578,500 | 3,220 |
| Average earning assets | $162,456,750 | 3,133 |
| Average equity | $40,586,250 | 1,835 |
| Average total loans | $40,897,250 | 4,568 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0166% | 5,326 |
| Cost of funding earning assets | 0.6886% | 1,691 |
| Net interest margin | 2.3281% | 5,405 |
| Noninterest income to average assets | 0.0322% | 5,437 |
| Noninterest expense to average assets | 1.5848% | 5,280 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.6234% | 4,429 |
| Return on assets (ROA) | 0.6234% | 4,431 |
| Pretax return on assets | 0.7046% | 4,497 |
| Return on Equity (ROE) | 2.5781% | 5,088 |
| Retained earnings to average equity (ytd only) | 2.5781% | 4,229 |
| Net charge-offs to loans | 0.1130% | 1,248 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 25.6522% | 1,633 |
| Efficiency ratio | 69.2227% | 2,446 |
| Assets per employee ($millions) | 9.3647% | 395 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8136% | 4,647 |
| Loan loss allowance to noncurrent loans | 36.2445% | 4,655 |
| Noncurrent assets plus other real estate owned to assets | 0.5683% | 2,522 |
| Noncurrent loans to loans | 2.2448% | 613 |
| Net loans and leases to total assets | 24.0111% | 5,412 |
| Net loans and leases to deposits | 32.0518% | 5,374 |
| Net loans and leases to core deposits | 34.3015% | 5,365 |
| Total domestic deposits to total assets | 74.9134% | 4,961 |
| Equity capital to assets | 24.1374% | 124 |
| Core capital (leverage) ratio | 24.2254% | 123 |
| Tier 1 risk-based capital ratio | 86.4162% | 51 |
| Total risk-based capital ratio | 87.1883% | 51 |
| Memoranda: | ||
| Average total assets | $167,465,000 | 3,241 |
| Average earning assets | $162,367,330 | 3,158 |
| Average equity | $40,494,670 | 1,843 |
| Average total loans | $40,717,670 | 4,615 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0039% | 5,369 |
| Cost of funding earning assets | 0.6576% | 1,675 |
| Net interest margin | 2.3463% | 5,459 |
| Noninterest income to average assets | 0.0359% | 5,506 |
| Noninterest expense to average assets | 1.4930% | 5,401 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.7022% | 4,090 |
| Return on assets (ROA) | 0.7022% | 4,096 |
| Pretax return on assets | 0.8172% | 4,106 |
| Return on Equity (ROE) | 2.9011% | 5,040 |
| Retained earnings to average equity (ytd only) | 2.9011% | 4,034 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6266% | 3,386 |
| Assets per employee ($millions) | 9.3404% | 394 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8800% | 4,530 |
| Loan loss allowance to noncurrent loans | 40.5714% | 4,626 |
| Noncurrent assets plus other real estate owned to assets | 0.5204% | 2,789 |
| Noncurrent loans to loans | 2.1691% | 701 |
| Net loans and leases to total assets | 23.7825% | 5,469 |
| Net loans and leases to deposits | 31.6911% | 5,425 |
| Net loans and leases to core deposits | 33.9374% | 5,413 |
| Total domestic deposits to total assets | 75.0446% | 5,059 |
| Equity capital to assets | 24.0751% | 118 |
| Core capital (leverage) ratio | 24.4155% | 115 |
| Tier 1 risk-based capital ratio | 86.7185% | 50 |
| Total risk-based capital ratio | 87.5339% | 49 |
| Memoranda: | ||
| Average total assets | $166,915,500 | 3,281 |
| Average earning assets | $161,788,500 | 3,191 |
| Average equity | $40,398,500 | 1,855 |
| Average total loans | $40,673,500 | 4,672 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0094% | 5,349 |
| Cost of funding earning assets | 0.6236% | 1,444 |
| Net interest margin | 2.3858% | 5,468 |
| Noninterest income to average assets | 0.0269% | 5,573 |
| Noninterest expense to average assets | 1.5629% | 5,441 |
| Loan and lease loss provision to assets | 0.0269% | 3,752 |
| Net operating income to assets | 0.5371% | 4,272 |
| Return on assets (ROA) | 0.5371% | 4,305 |
| Pretax return on assets | 0.7485% | 4,390 |
| Return on Equity (ROE) | 2.2461% | 5,009 |
| Retained earnings to average equity (ytd only) | 2.2461% | 3,973 |
| Net charge-offs to loans | 0.1135% | 1,922 |
| Credit loss provision to net charge-offs | 93.7500% | 2,718 |
| Earnings coverage of net charge-offs (x) | 26.9792% | 1,651 |
| Efficiency ratio | 66.8374% | 3,107 |
| Assets per employee ($millions) | 9.2057% | 420 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8657% | 4,610 |
| Loan loss allowance to noncurrent loans | 38.5033% | 4,722 |
| Noncurrent assets plus other real estate owned to assets | 0.5564% | 2,688 |
| Noncurrent loans to loans | 2.2484% | 636 |
| Net loans and leases to total assets | 24.5331% | 5,524 |
| Net loans and leases to deposits | 32.8082% | 5,483 |
| Net loans and leases to core deposits | 35.2646% | 5,471 |
| Total domestic deposits to total assets | 74.7772% | 5,110 |
| Equity capital to assets | 24.3327% | 109 |
| Core capital (leverage) ratio | 24.2676% | 107 |
| Tier 1 risk-based capital ratio | 86.7890% | 49 |
| Total risk-based capital ratio | 87.6714% | 49 |
| Memoranda: | ||
| Average total assets | $166,996,800 | 3,277 |
| Average earning assets | $161,792,800 | 3,177 |
| Average equity | $39,935,600 | 1,863 |
| Average total loans | $42,281,600 | 4,660 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0158% | 5,399 |
| Cost of funding earning assets | 0.6120% | 1,447 |
| Net interest margin | 2.4038% | 5,525 |
| Noninterest income to average assets | 0.0263% | 5,640 |
| Noninterest expense to average assets | 1.5658% | 5,478 |
| Loan and lease loss provision to assets | 0.0359% | 3,397 |
| Net operating income to assets | 0.6056% | 4,371 |
| Return on assets (ROA) | 0.6056% | 4,411 |
| Pretax return on assets | 0.7530% | 4,475 |
| Return on Equity (ROE) | 2.5435% | 5,212 |
| Retained earnings to average equity (ytd only) | 2.5435% | 4,367 |
| Net charge-offs to loans | 0.1158% | 1,632 |
| Credit loss provision to net charge-offs | 121.6216% | 1,987 |
| Earnings coverage of net charge-offs (x) | 26.7580% | 1,667 |
| Efficiency ratio | 66.4975% | 3,122 |
| Assets per employee ($millions) | 8.7391% | 477 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8680% | 4,698 |
| Loan loss allowance to noncurrent loans | 42.8070% | 4,692 |
| Noncurrent assets plus other real estate owned to assets | 0.5149% | 3,001 |
| Noncurrent loans to loans | 2.0277% | 836 |
| Net loans and leases to total assets | 25.1750% | 5,587 |
| Net loans and leases to deposits | 33.6521% | 5,534 |
| Net loans and leases to core deposits | 36.1603% | 5,523 |
| Total domestic deposits to total assets | 74.8094% | 5,148 |
| Equity capital to assets | 24.2222% | 118 |
| Core capital (leverage) ratio | 24.0232% | 115 |
| Tier 1 risk-based capital ratio | 85.6117% | 51 |
| Total risk-based capital ratio | 86.5276% | 51 |
| Memoranda: | ||
| Average total assets | $167,320,250 | 3,303 |
| Average earning assets | $162,075,000 | 3,202 |
| Average equity | $39,839,500 | 1,881 |
| Average total loans | $42,600,250 | 4,699 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0113% | 5,424 |
| Cost of funding earning assets | 0.6023% | 1,431 |
| Net interest margin | 2.4090% | 5,564 |
| Noninterest income to average assets | 0.0238% | 5,695 |
| Noninterest expense to average assets | 1.5297% | 5,549 |
| Loan and lease loss provision to assets | 0.0358% | 3,289 |
| Net operating income to assets | 0.6200% | 4,216 |
| Return on assets (ROA) | 0.6200% | 4,263 |
| Pretax return on assets | 0.7905% | 4,307 |
| Return on Equity (ROE) | 2.6188% | 5,213 |
| Retained earnings to average equity (ytd only) | 2.6188% | 4,131 |
| Net charge-offs to loans | 0.1731% | 1,135 |
| Credit loss provision to net charge-offs | 81.0811% | 2,244 |
| Earnings coverage of net charge-offs (x) | 18.7297% | 1,864 |
| Efficiency ratio | 64.9291% | 3,512 |
| Assets per employee ($millions) | 9.2636% | 383 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8373% | 4,851 |
| Loan loss allowance to noncurrent loans | 42.7007% | 4,748 |
| Noncurrent assets plus other real estate owned to assets | 0.4930% | 3,113 |
| Noncurrent loans to loans | 1.9608% | 865 |
| Net loans and leases to total assets | 24.9310% | 5,629 |
| Net loans and leases to deposits | 33.1912% | 5,587 |
| Net loans and leases to core deposits | 35.3396% | 5,581 |
| Total domestic deposits to total assets | 75.1133% | 5,188 |
| Equity capital to assets | 23.9703% | 115 |
| Core capital (leverage) ratio | 23.8189% | 115 |
| Tier 1 risk-based capital ratio | 85.9357% | 47 |
| Total risk-based capital ratio | 86.7953% | 47 |
| Memoranda: | ||
| Average total assets | $167,746,330 | 3,310 |
| Average earning assets | $162,387,670 | 3,211 |
| Average equity | $39,713,000 | 1,882 |
| Average total loans | $42,744,670 | 4,723 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0207% | 5,441 |
| Cost of funding earning assets | 0.5953% | 1,406 |
| Net interest margin | 2.4254% | 5,601 |
| Noninterest income to average assets | 0.0238% | 5,775 |
| Noninterest expense to average assets | 1.5121% | 5,628 |
| Loan and lease loss provision to assets | 0.0357% | 3,077 |
| Net operating income to assets | 0.6372% | 3,991 |
| Return on assets (ROA) | 0.6372% | 4,032 |
| Pretax return on assets | 0.8202% | 4,037 |
| Return on Equity (ROE) | 2.7081% | 5,176 |
| Retained earnings to average equity (ytd only) | 2.7081% | 4,055 |
| Net charge-offs to loans | 0.3244% | 574 |
| Credit loss provision to net charge-offs | 42.8571% | 2,044 |
| Earnings coverage of net charge-offs (x) | 10.2857% | 1,948 |
| Efficiency ratio | 63.8554% | 3,861 |
| Assets per employee ($millions) | 9.3695% | 374 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7937% | 5,086 |
| Loan loss allowance to noncurrent loans | 69.8347% | 4,207 |
| Noncurrent assets plus other real estate owned to assets | 0.2953% | 4,017 |
| Noncurrent loans to loans | 1.1365% | 1,794 |
| Net loans and leases to total assets | 25.0505% | 5,681 |
| Net loans and leases to deposits | 33.1287% | 5,636 |
| Net loans and leases to core deposits | 35.2287% | 5,633 |
| Total domestic deposits to total assets | 75.6159% | 5,269 |
| Equity capital to assets | 23.5368% | 123 |
| Core capital (leverage) ratio | 23.6032% | 117 |
| Tier 1 risk-based capital ratio | 84.7787% | 49 |
| Total risk-based capital ratio | 85.6158% | 49 |
| Memoranda: | ||
| Average total assets | $168,247,500 | 3,329 |
| Average earning assets | $162,610,000 | 3,237 |
| Average equity | $39,585,000 | 1,885 |
| Average total loans | $43,156,000 | 4,747 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0030% | 5,500 |
| Cost of funding earning assets | 0.5980% | 1,345 |
| Net interest margin | 2.4050% | 5,643 |
| Noninterest income to average assets | 0.0137% | 5,834 |
| Noninterest expense to average assets | 1.5653% | 5,680 |
| Loan and lease loss provision to assets | 0.0297% | 3,761 |
| Net operating income to assets | 0.5709% | 4,342 |
| Return on assets (ROA) | 0.5709% | 4,446 |
| Pretax return on assets | 0.7220% | 4,418 |
| Return on Equity (ROE) | 2.4596% | 5,301 |
| Retained earnings to average equity (ytd only) | 2.4596% | 4,125 |
| Net charge-offs to loans | 0.1327% | 1,919 |
| Credit loss provision to net charge-offs | 83.3333% | 2,922 |
| Earnings coverage of net charge-offs (x) | 21.0667% | 1,817 |
| Efficiency ratio | 67.5565% | 3,334 |
| Assets per employee ($millions) | 9.3247% | 386 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8187% | 5,052 |
| Loan loss allowance to noncurrent loans | 58.3062% | 4,489 |
| Noncurrent assets plus other real estate owned to assets | 0.3879% | 3,718 |
| Noncurrent loans to loans | 1.4042% | 1,451 |
| Net loans and leases to total assets | 25.8383% | 5,732 |
| Net loans and leases to deposits | 34.1260% | 5,673 |
| Net loans and leases to core deposits | 36.2949% | 5,670 |
| Total domestic deposits to total assets | 75.7144% | 5,270 |
| Equity capital to assets | 23.5189% | 120 |
| Core capital (leverage) ratio | 23.4987% | 119 |
| Tier 1 risk-based capital ratio | 84.3072% | 47 |
| Total risk-based capital ratio | 85.2543% | 47 |
| Memoranda: | ||
| Average total assets | $168,148,400 | 3,306 |
| Average earning assets | $161,038,600 | 3,223 |
| Average equity | $39,030,000 | 1,876 |
| Average total loans | $45,218,800 | 4,706 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9852% | 5,581 |
| Cost of funding earning assets | 0.5911% | 1,402 |
| Net interest margin | 2.3941% | 5,721 |
| Noninterest income to average assets | 0.0214% | 5,896 |
| Noninterest expense to average assets | 1.5923% | 5,694 |
| Loan and lease loss provision to assets | 0.0277% | 3,682 |
| Net operating income to assets | 0.5493% | 4,500 |
| Return on assets (ROA) | 0.5493% | 4,606 |
| Pretax return on assets | 0.6903% | 4,639 |
| Return on Equity (ROE) | 2.3741% | 5,388 |
| Retained earnings to average equity (ytd only) | 2.3741% | 4,492 |
| Net charge-offs to loans | 0.1755% | 1,316 |
| Credit loss provision to net charge-offs | 58.3333% | 2,926 |
| Earnings coverage of net charge-offs (x) | 15.0996% | 2,201 |
| Efficiency ratio | 68.9194% | 3,054 |
| Assets per employee ($millions) | 9.2870% | 378 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7716% | 5,269 |
| Loan loss allowance to noncurrent loans | 63.0515% | 4,425 |
| Noncurrent assets plus other real estate owned to assets | 0.4104% | 3,785 |
| Noncurrent loans to loans | 1.2238% | 1,834 |
| Net loans and leases to total assets | 26.3863% | 5,790 |
| Net loans and leases to deposits | 34.8638% | 5,743 |
| Net loans and leases to core deposits | 37.2586% | 5,733 |
| Total domestic deposits to total assets | 75.6841% | 5,267 |
| Equity capital to assets | 23.4803% | 127 |
| Core capital (leverage) ratio | 23.3274% | 119 |
| Tier 1 risk-based capital ratio | 84.0166% | 50 |
| Total risk-based capital ratio | 84.8210% | 52 |
| Memoranda: | ||
| Average total assets | $168,224,500 | 3,325 |
| Average earning assets | $160,835,750 | 3,238 |
| Average equity | $38,918,750 | 1,895 |
| Average total loans | $45,592,000 | 4,740 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0069% | 5,639 |
| Cost of funding earning assets | 0.5842% | 1,437 |
| Net interest margin | 2.4227% | 5,796 |
| Noninterest income to average assets | 0.0237% | 5,966 |
| Noninterest expense to average assets | 1.5672% | 5,787 |
| Loan and lease loss provision to assets | 0.0356% | 3,443 |
| Net operating income to assets | 0.5778% | 4,364 |
| Return on assets (ROA) | 0.5778% | 4,485 |
| Pretax return on assets | 0.7332% | 4,524 |
| Return on Equity (ROE) | 2.5098% | 5,378 |
| Retained earnings to average equity (ytd only) | 2.5098% | 4,286 |
| Net charge-offs to loans | 0.2480% | 954 |
| Credit loss provision to net charge-offs | 52.6316% | 2,643 |
| Earnings coverage of net charge-offs (x) | 11.3684% | 2,266 |
| Efficiency ratio | 67.0899% | 3,521 |
| Assets per employee ($millions) | 9.3512% | 348 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7521% | 5,400 |
| Loan loss allowance to noncurrent loans | 88.3420% | 3,945 |
| Noncurrent assets plus other real estate owned to assets | 0.3167% | 4,228 |
| Noncurrent loans to loans | 0.8513% | 2,613 |
| Net loans and leases to total assets | 26.7351% | 5,854 |
| Net loans and leases to deposits | 35.2085% | 5,802 |
| Net loans and leases to core deposits | 37.5271% | 5,798 |
| Total domestic deposits to total assets | 75.9336% | 5,290 |
| Equity capital to assets | 23.2180% | 127 |
| Core capital (leverage) ratio | 23.0328% | 116 |
| Tier 1 risk-based capital ratio | 81.1870% | 53 |
| Total risk-based capital ratio | 81.9788% | 53 |
| Memoranda: | ||
| Average total assets | $168,577,330 | 3,333 |
| Average earning assets | $160,896,330 | 3,259 |
| Average equity | $38,808,000 | 1,902 |
| Average total loans | $45,972,000 | 4,771 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0450% | 5,647 |
| Cost of funding earning assets | 0.5825% | 1,462 |
| Net interest margin | 2.4625% | 5,837 |
| Noninterest income to average assets | 0.0237% | 6,031 |
| Noninterest expense to average assets | 1.5174% | 5,903 |
| Loan and lease loss provision to assets | 0.0356% | 3,187 |
| Net operating income to assets | 0.6212% | 4,087 |
| Return on assets (ROA) | 0.6212% | 4,205 |
| Pretax return on assets | 0.8061% | 4,175 |
| Return on Equity (ROE) | 2.7100% | 5,328 |
| Retained earnings to average equity (ytd only) | 2.7100% | 4,159 |
| Net charge-offs to loans | 0.4839% | 460 |
| Credit loss provision to net charge-offs | 26.7857% | 2,250 |
| Earnings coverage of net charge-offs (x) | 6.3393% | 2,251 |
| Efficiency ratio | 64.3216% | 4,069 |
| Assets per employee ($millions) | 9.9385% | 286 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7114% | 5,570 |
| Loan loss allowance to noncurrent loans | 78.9855% | 4,106 |
| Noncurrent assets plus other real estate owned to assets | 0.3332% | 4,227 |
| Noncurrent loans to loans | 0.9006% | 2,598 |
| Net loans and leases to total assets | 27.0139% | 5,894 |
| Net loans and leases to deposits | 35.4353% | 5,839 |
| Net loans and leases to core deposits | 37.9857% | 5,823 |
| Total domestic deposits to total assets | 76.2344% | 5,385 |
| Equity capital to assets | 22.9808% | 132 |
| Core capital (leverage) ratio | 22.8790% | 120 |
| Tier 1 risk-based capital ratio | 80.4064% | 56 |
| Total risk-based capital ratio | 81.1413% | 55 |
| Memoranda: | ||
| Average total assets | $168,705,000 | 3,345 |
| Average earning assets | $160,000,000 | 3,284 |
| Average equity | $38,671,500 | 1,906 |
| Average total loans | $46,287,000 | 4,798 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0568% | 5,684 |
| Cost of funding earning assets | 0.5956% | 1,392 |
| Net interest margin | 2.4612% | 5,850 |
| Noninterest income to average assets | 0.0315% | 6,044 |
| Noninterest expense to average assets | 1.5792% | 5,935 |
| Loan and lease loss provision to assets | 0.0357% | 3,633 |
| Net operating income to assets | 0.5783% | 4,389 |
| Return on assets (ROA) | 0.5783% | 4,480 |
| Pretax return on assets | 0.7622% | 4,329 |
| Return on Equity (ROE) | 2.5539% | 5,441 |
| Retained earnings to average equity (ytd only) | 2.5539% | 4,249 |
| Net charge-offs to loans | 0.0457% | 3,302 |
| Credit loss provision to net charge-offs | 272.7273% | 1,063 |
| Earnings coverage of net charge-offs (x) | 60.9545% | 859 |
| Efficiency ratio | 66.4330% | 3,837 |
| Assets per employee ($millions) | 9.3587% | 339 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7896% | 5,436 |
| Loan loss allowance to noncurrent loans | 54.4379% | 4,760 |
| Noncurrent assets plus other real estate owned to assets | 0.4607% | 3,761 |
| Noncurrent loans to loans | 1.4505% | 1,611 |
| Net loans and leases to total assets | 27.4481% | 5,952 |
| Net loans and leases to deposits | 35.8977% | 5,894 |
| Net loans and leases to core deposits | 38.5378% | 5,863 |
| Total domestic deposits to total assets | 76.4621% | 5,393 |
| Equity capital to assets | 22.8641% | 122 |
| Core capital (leverage) ratio | 22.9097% | 115 |
| Tier 1 risk-based capital ratio | 82.0093% | 51 |
| Total risk-based capital ratio | 82.8640% | 51 |
| Memoranda: | ||
| Average total assets | $168,064,600 | 3,334 |
| Average earning assets | $160,167,600 | 3,253 |
| Average equity | $38,059,200 | 1,883 |
| Average total loans | $48,157,400 | 4,723 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0718% | 5,739 |
| Cost of funding earning assets | 0.5980% | 1,419 |
| Net interest margin | 2.4737% | 5,928 |
| Noninterest income to average assets | 0.0270% | 6,143 |
| Noninterest expense to average assets | 1.5820% | 5,990 |
| Loan and lease loss provision to assets | 0.0357% | 3,503 |
| Net operating income to assets | 0.5755% | 4,501 |
| Return on assets (ROA) | 0.5755% | 4,592 |
| Pretax return on assets | 0.7700% | 4,426 |
| Return on Equity (ROE) | 2.5475% | 5,539 |
| Retained earnings to average equity (ytd only) | 2.5475% | 4,602 |
| Net charge-offs to loans | 0.0577% | 2,775 |
| Credit loss provision to net charge-offs | 214.2857% | 1,262 |
| Earnings coverage of net charge-offs (x) | 48.3321% | 1,080 |
| Efficiency ratio | 66.2566% | 3,847 |
| Assets per employee ($millions) | 9.8614% | 286 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7428% | 5,637 |
| Loan loss allowance to noncurrent loans | 57.1890% | 4,772 |
| Noncurrent assets plus other real estate owned to assets | 0.4289% | 4,063 |
| Noncurrent loans to loans | 1.2988% | 1,967 |
| Net loans and leases to total assets | 28.2175% | 6,023 |
| Net loans and leases to deposits | 36.9339% | 5,957 |
| Net loans and leases to core deposits | 39.5576% | 5,932 |
| Total domestic deposits to total assets | 76.4000% | 5,430 |
| Equity capital to assets | 22.8419% | 132 |
| Core capital (leverage) ratio | 22.6154% | 124 |
| Tier 1 risk-based capital ratio | 81.6774% | 56 |
| Total risk-based capital ratio | 82.5321% | 56 |
| Memoranda: | ||
| Average total assets | $167,966,750 | 3,365 |
| Average earning assets | $160,294,750 | 3,283 |
| Average equity | $37,945,000 | 1,899 |
| Average total loans | $48,545,250 | 4,766 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0871% | 5,756 |
| Cost of funding earning assets | 0.6017% | 1,403 |
| Net interest margin | 2.4854% | 5,975 |
| Noninterest income to average assets | 0.0119% | 6,242 |
| Noninterest expense to average assets | 1.4577% | 6,137 |
| Loan and lease loss provision to assets | 0.0357% | 3,414 |
| Net operating income to assets | 0.6592% | 4,078 |
| Return on assets (ROA) | 0.6592% | 4,180 |
| Pretax return on assets | 0.8877% | 3,999 |
| Return on Equity (ROE) | 2.9290% | 5,424 |
| Retained earnings to average equity (ytd only) | 2.9290% | 4,172 |
| Net charge-offs to loans | 0.0860% | 2,179 |
| Credit loss provision to net charge-offs | 142.8571% | 1,574 |
| Earnings coverage of net charge-offs (x) | 36.9524% | 1,187 |
| Efficiency ratio | 61.2194% | 4,796 |
| Assets per employee ($millions) | 10.5225% | 226 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7051% | 5,808 |
| Loan loss allowance to noncurrent loans | 45.6258% | 5,127 |
| Noncurrent assets plus other real estate owned to assets | 0.4508% | 4,123 |
| Noncurrent loans to loans | 1.5454% | 1,713 |
| Net loans and leases to total assets | 28.3553% | 6,090 |
| Net loans and leases to deposits | 37.0067% | 5,998 |
| Net loans and leases to core deposits | 39.7087% | 5,964 |
| Total domestic deposits to total assets | 76.6221% | 5,518 |
| Equity capital to assets | 22.6241% | 133 |
| Core capital (leverage) ratio | 22.4941% | 125 |
| Tier 1 risk-based capital ratio | 82.6797% | 56 |
| Total risk-based capital ratio | 83.5314% | 55 |
| Memoranda: | ||
| Average total assets | $168,074,330 | 3,383 |
| Average earning assets | $160,214,000 | 3,304 |
| Average equity | $37,829,000 | 1,916 |
| Average total loans | $48,840,670 | 4,791 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1402% | 5,737 |
| Cost of funding earning assets | 0.6041% | 1,404 |
| Net interest margin | 2.5361% | 5,978 |
| Noninterest income to average assets | 0.0310% | 6,271 |
| Noninterest expense to average assets | 1.5101% | 6,173 |
| Loan and lease loss provision to assets | 0.0357% | 3,185 |
| Net operating income to assets | 0.6717% | 3,943 |
| Return on assets (ROA) | 0.6717% | 4,064 |
| Pretax return on assets | 0.9051% | 3,872 |
| Return on Equity (ROE) | 2.9922% | 5,380 |
| Retained earnings to average equity (ytd only) | 2.9922% | 4,183 |
| Net charge-offs to loans | 0.1625% | 1,295 |
| Credit loss provision to net charge-offs | 75.0000% | 1,875 |
| Earnings coverage of net charge-offs (x) | 19.7500% | 1,437 |
| Efficiency ratio | 61.6132% | 4,864 |
| Assets per employee ($millions) | 9.9276% | 262 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6679% | 5,960 |
| Loan loss allowance to noncurrent loans | 43.6242% | 5,190 |
| Noncurrent assets plus other real estate owned to assets | 0.5078% | 3,998 |
| Noncurrent loans to loans | 1.5311% | 1,835 |
| Net loans and leases to total assets | 28.6390% | 6,118 |
| Net loans and leases to deposits | 37.2611% | 6,012 |
| Net loans and leases to core deposits | 39.8786% | 5,980 |
| Total domestic deposits to total assets | 76.8602% | 5,635 |
| Equity capital to assets | 22.4376% | 144 |
| Core capital (leverage) ratio | 22.4250% | 126 |
| Tier 1 risk-based capital ratio | 78.7950% | 69 |
| Total risk-based capital ratio | 79.5750% | 70 |
| Memoranda: | ||
| Average total assets | $167,931,500 | 3,403 |
| Average earning assets | $160,247,000 | 3,320 |
| Average equity | $37,698,500 | 1,933 |
| Average total loans | $49,222,000 | 4,806 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3389% | 5,640 |
| Cost of funding earning assets | 0.6450% | 1,442 |
| Net interest margin | 2.6939% | 5,951 |
| Noninterest income to average assets | 0.0150% | 6,365 |
| Noninterest expense to average assets | 1.5173% | 6,287 |
| Loan and lease loss provision to assets | 0.0712% | 3,062 |
| Net operating income to assets | 0.7296% | 3,739 |
| Return on assets (ROA) | 0.7296% | 3,850 |
| Pretax return on assets | 1.0014% | 3,491 |
| Return on Equity (ROE) | 3.2938% | 5,378 |
| Retained earnings to average equity (ytd only) | 3.2938% | 3,885 |
| Net charge-offs to loans | 0.2638% | 1,638 |
| Credit loss provision to net charge-offs | 88.8060% | 2,668 |
| Earnings coverage of net charge-offs (x) | 13.3731% | 2,272 |
| Efficiency ratio | 58.5856% | 5,395 |
| Assets per employee ($millions) | 9.8290% | 267 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6629% | 6,054 |
| Loan loss allowance to noncurrent loans | 36.8715% | 5,464 |
| Noncurrent assets plus other real estate owned to assets | 0.6051% | 3,779 |
| Noncurrent loans to loans | 1.7977% | 1,599 |
| Net loans and leases to total assets | 29.5973% | 6,189 |
| Net loans and leases to deposits | 38.5107% | 6,083 |
| Net loans and leases to core deposits | 41.0531% | 6,071 |
| Total domestic deposits to total assets | 76.8548% | 5,620 |
| Equity capital to assets | 22.4599% | 141 |
| Core capital (leverage) ratio | 22.3409% | 134 |
| Tier 1 risk-based capital ratio | 77.5760% | 61 |
| Total risk-based capital ratio | 78.3496% | 61 |
| Memoranda: | ||
| Average total assets | $167,071,800 | 3,376 |
| Average earning assets | $159,693,000 | 3,287 |
| Average equity | $37,009,400 | 1,903 |
| Average total loans | $50,791,400 | 4,791 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3963% | 5,600 |
| Cost of funding earning assets | 0.6486% | 1,467 |
| Net interest margin | 2.7478% | 5,940 |
| Noninterest income to average assets | 0.0056% | 6,467 |
| Noninterest expense to average assets | 1.5403% | 6,331 |
| Loan and lease loss provision to assets | 0.0830% | 2,692 |
| Net operating income to assets | 0.7350% | 3,752 |
| Return on assets (ROA) | 0.7350% | 3,858 |
| Pretax return on assets | 1.0096% | 3,556 |
| Return on Equity (ROE) | 3.3297% | 5,417 |
| Retained earnings to average equity (ytd only) | 3.3297% | 4,246 |
| Net charge-offs to loans | 0.2795% | 1,408 |
| Credit loss provision to net charge-offs | 97.1963% | 2,302 |
| Earnings coverage of net charge-offs (x) | 12.7947% | 2,285 |
| Efficiency ratio | 58.5026% | 5,377 |
| Assets per employee ($millions) | 9.8584% | 253 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6840% | 6,124 |
| Loan loss allowance to noncurrent loans | 35.2214% | 5,583 |
| Noncurrent assets plus other real estate owned to assets | 0.6414% | 3,914 |
| Noncurrent loans to loans | 1.9420% | 1,646 |
| Net loans and leases to total assets | 29.6297% | 6,265 |
| Net loans and leases to deposits | 38.4604% | 6,168 |
| Net loans and leases to core deposits | 40.8992% | 6,157 |
| Total domestic deposits to total assets | 77.0395% | 5,672 |
| Equity capital to assets | 22.2278% | 155 |
| Core capital (leverage) ratio | 22.1182% | 139 |
| Tier 1 risk-based capital ratio | 77.0999% | 61 |
| Total risk-based capital ratio | 77.9288% | 61 |
| Memoranda: | ||
| Average total assets | $167,066,500 | 3,403 |
| Average earning assets | $159,736,250 | 3,310 |
| Average equity | $36,879,500 | 1,912 |
| Average total loans | $51,043,000 | 4,828 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6054% | 5,136 |
| Cost of funding earning assets | 0.6545% | 1,475 |
| Net interest margin | 2.9509% | 5,634 |
| Noninterest income to average assets | 0.0084% | 6,531 |
| Noninterest expense to average assets | 1.4429% | 6,447 |
| Loan and lease loss provision to assets | 0.0587% | 3,106 |
| Net operating income to assets | 0.9335% | 2,632 |
| Return on assets (ROA) | 0.9335% | 2,739 |
| Pretax return on assets | 1.3326% | 2,139 |
| Return on Equity (ROE) | 4.2388% | 5,043 |
| Retained earnings to average equity (ytd only) | 4.2388% | 3,477 |
| Net charge-offs to loans | 0.0428% | 3,370 |
| Credit loss provision to net charge-offs | 445.4545% | 639 |
| Earnings coverage of net charge-offs (x) | 105.5455% | 538 |
| Efficiency ratio | 50.9091% | 6,129 |
| Assets per employee ($millions) | 9.8904% | 241 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7570% | 6,071 |
| Loan loss allowance to noncurrent loans | 35.5288% | 5,627 |
| Noncurrent assets plus other real estate owned to assets | 0.7411% | 3,745 |
| Noncurrent loans to loans | 2.1306% | 1,560 |
| Net loans and leases to total assets | 29.8639% | 6,314 |
| Net loans and leases to deposits | 38.6698% | 6,200 |
| Net loans and leases to core deposits | 41.1584% | 6,185 |
| Total domestic deposits to total assets | 77.2280% | 5,775 |
| Equity capital to assets | 22.0857% | 145 |
| Core capital (leverage) ratio | 21.8767% | 134 |
| Tier 1 risk-based capital ratio | 75.6635% | 61 |
| Total risk-based capital ratio | 76.6231% | 62 |
| Memoranda: | ||
| Average total assets | $166,891,330 | 3,422 |
| Average earning assets | $159,814,670 | 3,325 |
| Average equity | $36,755,330 | 1,912 |
| Average total loans | $51,391,000 | 4,843 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8844% | 4,146 |
| Cost of funding earning assets | 0.6596% | 1,518 |
| Net interest margin | 3.2249% | 4,839 |
| Noninterest income to average assets | 0.0072% | 6,589 |
| Noninterest expense to average assets | 1.4675% | 6,518 |
| Loan and lease loss provision to assets | 0.0361% | 3,336 |
| Net operating income to assets | 1.0898% | 1,854 |
| Return on assets (ROA) | 1.0898% | 1,919 |
| Pretax return on assets | 1.5854% | 1,204 |
| Return on Equity (ROE) | 4.9554% | 4,576 |
| Retained earnings to average equity (ytd only) | 4.9554% | 3,138 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.5078% | 6,376 |
| Assets per employee ($millions) | 9.9399% | 239 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6994% | 6,282 |
| Loan loss allowance to noncurrent loans | 31.9432% | 5,806 |
| Noncurrent assets plus other real estate owned to assets | 0.6669% | 4,119 |
| Noncurrent loans to loans | 2.1895% | 1,662 |
| Net loans and leases to total assets | 30.2487% | 6,344 |
| Net loans and leases to deposits | 39.0040% | 6,204 |
| Net loans and leases to core deposits | 41.6041% | 6,170 |
| Total domestic deposits to total assets | 77.5528% | 5,896 |
| Equity capital to assets | 21.7897% | 153 |
| Core capital (leverage) ratio | 22.0416% | 135 |
| Tier 1 risk-based capital ratio | 75.7532% | 70 |
| Total risk-based capital ratio | 76.6750% | 69 |
| Memoranda: | ||
| Average total assets | $166,269,000 | 3,459 |
| Average earning assets | $158,890,000 | 3,358 |
| Average equity | $36,566,000 | 1,916 |
| Average total loans | $51,789,000 | 4,873 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3204% | 5,972 |
| Cost of funding earning assets | 0.6835% | 1,933 |
| Net interest margin | 2.6370% | 6,217 |
| Noninterest income to average assets | 0.0197% | 6,614 |
| Noninterest expense to average assets | 1.4093% | 6,626 |
| Loan and lease loss provision to assets | 0.1285% | 2,706 |
| Net operating income to assets | 0.7305% | 3,656 |
| Return on assets (ROA) | 0.7314% | 3,737 |
| Pretax return on assets | 1.0086% | 3,318 |
| Return on Equity (ROE) | 3.3343% | 5,389 |
| Retained earnings to average equity (ytd only) | 3.3343% | 3,861 |
| Net charge-offs to loans | 0.1438% | 3,363 |
| Credit loss provision to net charge-offs | 278.6667% | 812 |
| Earnings coverage of net charge-offs (x) | 24.6400% | 1,354 |
| Efficiency ratio | 55.3731% | 6,014 |
| Assets per employee ($millions) | 10.2224% | 215 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6621% | 6,400 |
| Loan loss allowance to noncurrent loans | 40.1163% | 5,629 |
| Noncurrent assets plus other real estate owned to assets | 0.5790% | 4,502 |
| Noncurrent loans to loans | 1.6505% | 2,434 |
| Net loans and leases to total assets | 31.6455% | 6,407 |
| Net loans and leases to deposits | 40.9872% | 6,272 |
| Net loans and leases to core deposits | 43.7324% | 6,239 |
| Total domestic deposits to total assets | 77.2082% | 5,940 |
| Equity capital to assets | 22.2012% | 139 |
| Core capital (leverage) ratio | 22.2062% | 129 |
| Tier 1 risk-based capital ratio | 76.1950% | 67 |
| Total risk-based capital ratio | 77.0539% | 67 |
| Memoranda: | ||
| Average total assets | $162,707,400 | 3,518 |
| Average earning assets | $155,823,200 | 3,402 |
| Average equity | $35,689,400 | 1,928 |
| Average total loans | $52,159,800 | 4,883 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3648% | 5,954 |
| Cost of funding earning assets | 0.6817% | 2,088 |
| Net interest margin | 2.6831% | 6,203 |
| Noninterest income to average assets | 0.0131% | 6,713 |
| Noninterest expense to average assets | 1.4179% | 6,684 |
| Loan and lease loss provision to assets | 0.1592% | 2,271 |
| Net operating income to assets | 0.7274% | 3,713 |
| Return on assets (ROA) | 0.7286% | 3,839 |
| Pretax return on assets | 1.0084% | 3,474 |
| Return on Equity (ROE) | 3.3320% | 5,489 |
| Retained earnings to average equity (ytd only) | 3.3320% | 4,309 |
| Net charge-offs to loans | 0.1865% | 2,731 |
| Credit loss provision to net charge-offs | 265.7534% | 945 |
| Earnings coverage of net charge-offs (x) | 19.4659% | 1,630 |
| Efficiency ratio | 54.8746% | 6,026 |
| Assets per employee ($millions) | 10.8701% | 184 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6372% | 6,519 |
| Loan loss allowance to noncurrent loans | 48.9676% | 5,265 |
| Noncurrent assets plus other real estate owned to assets | 0.4532% | 5,068 |
| Noncurrent loans to loans | 1.3012% | 3,232 |
| Net loans and leases to total assets | 31.7539% | 6,464 |
| Net loans and leases to deposits | 41.0753% | 6,346 |
| Net loans and leases to core deposits | 43.8299% | 6,311 |
| Total domestic deposits to total assets | 77.3065% | 6,002 |
| Equity capital to assets | 22.0446% | 145 |
| Core capital (leverage) ratio | 22.0504% | 133 |
| Tier 1 risk-based capital ratio | 76.5006% | 66 |
| Total risk-based capital ratio | 77.2788% | 64 |
| Memoranda: | ||
| Average total assets | $162,494,500 | 3,562 |
| Average earning assets | $155,687,000 | 3,446 |
| Average equity | $35,533,750 | 1,953 |
| Average total loans | $52,173,750 | 4,919 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2675% | 6,138 |
| Cost of funding earning assets | 0.6838% | 2,192 |
| Net interest margin | 2.5837% | 6,348 |
| Noninterest income to average assets | 0.0049% | 6,778 |
| Noninterest expense to average assets | 1.2815% | 6,800 |
| Loan and lease loss provision to assets | 0.1306% | 2,688 |
| Net operating income to assets | 0.7775% | 3,419 |
| Return on assets (ROA) | 0.7775% | 3,577 |
| Pretax return on assets | 1.0696% | 3,222 |
| Return on Equity (ROE) | 3.5653% | 5,395 |
| Retained earnings to average equity (ytd only) | 3.5653% | 4,048 |
| Net charge-offs to loans | 0.2184% | 2,440 |
| Credit loss provision to net charge-offs | 185.9649% | 1,281 |
| Earnings coverage of net charge-offs (x) | 17.0877% | 1,625 |
| Efficiency ratio | 51.6385% | 6,306 |
| Assets per employee ($millions) | 10.1739% | 211 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5000% | 6,707 |
| Loan loss allowance to noncurrent loans | 47.2727% | 5,326 |
| Noncurrent assets plus other real estate owned to assets | 0.3846% | 5,329 |
| Noncurrent loans to loans | 1.0577% | 3,819 |
| Net loans and leases to total assets | 31.7855% | 6,518 |
| Net loans and leases to deposits | 41.0275% | 6,367 |
| Net loans and leases to core deposits | 43.6836% | 6,345 |
| Total domestic deposits to total assets | 77.4736% | 6,066 |
| Equity capital to assets | 21.9293% | 142 |
| Core capital (leverage) ratio | 21.8700% | 128 |
| Tier 1 risk-based capital ratio | 77.0169% | 60 |
| Total risk-based capital ratio | 77.6573% | 60 |
| Memoranda: | ||
| Average total assets | $162,309,000 | 3,576 |
| Average earning assets | $155,593,000 | 3,468 |
| Average equity | $35,397,000 | 1,964 |
| Average total loans | $52,196,000 | 4,944 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2861% | 6,177 |
| Cost of funding earning assets | 0.6835% | 2,358 |
| Net interest margin | 2.6026% | 6,370 |
| Noninterest income to average assets | 0.0025% | 6,848 |
| Noninterest expense to average assets | 1.2488% | 6,895 |
| Loan and lease loss provision to assets | 0.2542% | 1,407 |
| Net operating income to assets | 0.7281% | 3,550 |
| Return on assets (ROA) | 0.7281% | 3,686 |
| Pretax return on assets | 0.9897% | 3,398 |
| Return on Equity (ROE) | 3.3478% | 5,414 |
| Retained earnings to average equity (ytd only) | 3.3478% | 4,245 |
| Net charge-offs to loans | 0.4207% | 1,402 |
| Credit loss provision to net charge-offs | 187.2727% | 1,155 |
| Earnings coverage of net charge-offs (x) | 9.1636% | 1,877 |
| Efficiency ratio | 50.0990% | 6,492 |
| Assets per employee ($millions) | 10.2879% | 205 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5025% | 6,787 |
| Loan loss allowance to noncurrent loans | 81.7035% | 3,895 |
| Noncurrent assets plus other real estate owned to assets | 0.3147% | 5,636 |
| Noncurrent loans to loans | 0.6150% | 4,909 |
| Net loans and leases to total assets | 31.1578% | 6,558 |
| Net loans and leases to deposits | 39.9676% | 6,419 |
| Net loans and leases to core deposits | 42.6629% | 6,378 |
| Total domestic deposits to total assets | 77.9578% | 6,115 |
| Equity capital to assets | 21.4973% | 160 |
| Core capital (leverage) ratio | 21.7073% | 145 |
| Tier 1 risk-based capital ratio | 77.0714% | 68 |
| Total risk-based capital ratio | 77.6355% | 67 |
| Memoranda: | ||
| Average total assets | $162,072,500 | 3,614 |
| Average earning assets | $155,078,500 | 3,511 |
| Average equity | $35,247,000 | 2,004 |
| Average total loans | $52,293,500 | 4,973 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5823% | 6,248 |
| Cost of funding earning assets | 0.7974% | 2,688 |
| Net interest margin | 2.7849% | 6,397 |
| Noninterest income to average assets | 0.0372% | 6,730 |
| Noninterest expense to average assets | 1.3182% | 6,945 |
| Loan and lease loss provision to assets | 0.0447% | 5,291 |
| Net operating income to assets | 0.9403% | 2,597 |
| Return on assets (ROA) | 0.9286% | 2,907 |
| Pretax return on assets | 1.3268% | 2,299 |
| Return on Equity (ROE) | 4.3557% | 4,996 |
| Retained earnings to average equity (ytd only) | 4.3557% | 3,163 |
| Net charge-offs to loans | 0.0353% | 5,430 |
| Credit loss provision to net charge-offs | 378.9474% | 645 |
| Earnings coverage of net charge-offs (x) | 117.7895% | 327 |
| Efficiency ratio | 48.7050% | 6,670 |
| Assets per employee ($millions) | 9.9711% | 238 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3978% | 6,899 |
| Loan loss allowance to noncurrent loans | 38.0180% | 5,715 |
| Noncurrent assets plus other real estate owned to assets | 0.4275% | 5,422 |
| Noncurrent loans to loans | 1.0464% | 4,122 |
| Net loans and leases to total assets | 33.1137% | 6,587 |
| Net loans and leases to deposits | 42.7305% | 6,434 |
| Net loans and leases to core deposits | 45.5218% | 6,398 |
| Total domestic deposits to total assets | 77.4944% | 6,165 |
| Equity capital to assets | 22.0060% | 153 |
| Core capital (leverage) ratio | 21.9977% | 136 |
| Tier 1 risk-based capital ratio | 76.6296% | 66 |
| Total risk-based capital ratio | 77.0948% | 66 |
| Memoranda: | ||
| Average total assets | $161,210,400 | 3,604 |
| Average earning assets | $154,511,600 | 3,475 |
| Average equity | $34,368,800 | 2,014 |
| Average total loans | $53,853,200 | 4,946 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6306% | 6,348 |
| Cost of funding earning assets | 0.8213% | 2,762 |
| Net interest margin | 2.8094% | 6,487 |
| Noninterest income to average assets | 0.0346% | 6,852 |
| Noninterest expense to average assets | 1.3537% | 7,017 |
| Loan and lease loss provision to assets | 0.0569% | 5,023 |
| Net operating income to assets | 0.9222% | 2,867 |
| Return on assets (ROA) | 0.9066% | 3,186 |
| Pretax return on assets | 1.2910% | 2,638 |
| Return on Equity (ROE) | 4.2865% | 5,156 |
| Retained earnings to average equity (ytd only) | 4.2865% | 3,876 |
| Net charge-offs to loans | 0.0469% | 4,997 |
| Credit loss provision to net charge-offs | 363.1579% | 738 |
| Earnings coverage of net charge-offs (x) | 87.4303% | 473 |
| Efficiency ratio | 49.6972% | 6,612 |
| Assets per employee ($millions) | 9.5332% | 275 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3845% | 7,017 |
| Loan loss allowance to noncurrent loans | 46.0177% | 5,337 |
| Noncurrent assets plus other real estate owned to assets | 0.3900% | 5,714 |
| Noncurrent loans to loans | 0.8356% | 4,744 |
| Net loans and leases to total assets | 33.2511% | 6,691 |
| Net loans and leases to deposits | 42.7035% | 6,565 |
| Net loans and leases to core deposits | 45.6442% | 6,528 |
| Total domestic deposits to total assets | 77.8649% | 6,104 |
| Equity capital to assets | 21.4329% | 189 |
| Core capital (leverage) ratio | 21.4125% | 157 |
| Tier 1 risk-based capital ratio | 75.4327% | 66 |
| Total risk-based capital ratio | 75.8893% | 67 |
| Memoranda: | ||
| Average total assets | $161,628,500 | 3,624 |
| Average earning assets | $154,716,250 | 3,508 |
| Average equity | $34,184,000 | 2,042 |
| Average total loans | $54,056,500 | 4,992 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6800% | 6,369 |
| Cost of funding earning assets | 0.8551% | 2,757 |
| Net interest margin | 2.8249% | 6,536 |
| Noninterest income to average assets | 0.0223% | 6,939 |
| Noninterest expense to average assets | 1.2385% | 7,130 |
| Loan and lease loss provision to assets | 0.0074% | 5,562 |
| Net operating income to assets | 1.0275% | 2,350 |
| Return on assets (ROA) | 1.0044% | 2,661 |
| Pretax return on assets | 1.4515% | 2,004 |
| Return on Equity (ROE) | 4.7705% | 4,924 |
| Retained earnings to average equity (ytd only) | 4.7705% | 3,432 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.3515% | 6,910 |
| Assets per employee ($millions) | 10.2339% | 215 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3041% | 7,121 |
| Loan loss allowance to noncurrent loans | 33.4012% | 5,998 |
| Noncurrent assets plus other real estate owned to assets | 0.3292% | 5,935 |
| Noncurrent loans to loans | 0.9106% | 4,678 |
| Net loans and leases to total assets | 32.8301% | 6,779 |
| Net loans and leases to deposits | 41.8528% | 6,656 |
| Net loans and leases to core deposits | 44.7204% | 6,633 |
| Total domestic deposits to total assets | 78.4418% | 6,071 |
| Equity capital to assets | 21.0128% | 200 |
| Core capital (leverage) ratio | 21.0118% | 165 |
| Tier 1 risk-based capital ratio | 73.5731% | 66 |
| Total risk-based capital ratio | 73.9260% | 68 |
| Memoranda: | ||
| Average total assets | $161,483,330 | 3,635 |
| Average earning assets | $154,839,000 | 3,522 |
| Average equity | $34,000,330 | 2,039 |
| Average total loans | $54,043,330 | 5,028 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7338% | 6,384 |
| Cost of funding earning assets | 0.8905% | 2,762 |
| Net interest margin | 2.8433% | 6,566 |
| Noninterest income to average assets | 0.0299% | 7,013 |
| Noninterest expense to average assets | 1.2447% | 7,196 |
| Loan and lease loss provision to assets | 0.0075% | 5,188 |
| Net operating income to assets | 1.0524% | 2,277 |
| Return on assets (ROA) | 1.0053% | 2,651 |
| Pretax return on assets | 1.4343% | 2,071 |
| Return on Equity (ROE) | 4.7697% | 4,898 |
| Retained earnings to average equity (ytd only) | 4.7697% | 3,697 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.1993% | 6,940 |
| Assets per employee ($millions) | 10.1386% | 223 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2994% | 7,179 |
| Loan loss allowance to noncurrent loans | 43.7500% | 5,420 |
| Noncurrent assets plus other real estate owned to assets | 0.2891% | 6,165 |
| Noncurrent loans to loans | 0.6843% | 5,293 |
| Net loans and leases to total assets | 33.0520% | 6,777 |
| Net loans and leases to deposits | 42.0768% | 6,654 |
| Net loans and leases to core deposits | 45.0558% | 6,616 |
| Total domestic deposits to total assets | 78.5516% | 6,176 |
| Equity capital to assets | 20.9614% | 183 |
| Core capital (leverage) ratio | 20.9586% | 162 |
| Tier 1 risk-based capital ratio | 72.8929% | 65 |
| Total risk-based capital ratio | 73.2467% | 66 |
| Memoranda: | ||
| Average total assets | $160,353,500 | 3,679 |
| Average earning assets | $153,622,000 | 3,554 |
| Average equity | $33,797,000 | 2,049 |
| Average total loans | $54,104,500 | 5,066 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0102% | 6,434 |
| Cost of funding earning assets | 1.0767% | 2,829 |
| Net interest margin | 2.9335% | 6,634 |
| Noninterest income to average assets | 0.0363% | 6,885 |
| Noninterest expense to average assets | 1.4647% | 7,188 |
| Loan and lease loss provision to assets | 0.0272% | 6,234 |
| Net operating income to assets | 0.9665% | 2,336 |
| Return on assets (ROA) | 0.9665% | 2,465 |
| Pretax return on assets | 1.3507% | 1,949 |
| Return on Equity (ROE) | 4.5367% | 4,607 |
| Retained earnings to average equity (ytd only) | 4.5367% | 2,943 |
| Net charge-offs to loans | 0.0724% | 5,593 |
| Credit loss provision to net charge-offs | 105.0000% | 3,262 |
| Earnings coverage of net charge-offs (x) | 53.1750% | 527 |
| Efficiency ratio | 51.5269% | 6,738 |
| Assets per employee ($millions) | 9.9056% | 244 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2903% | 7,226 |
| Loan loss allowance to noncurrent loans | 23.5469% | 6,491 |
| Noncurrent assets plus other real estate owned to assets | 0.4871% | 5,751 |
| Noncurrent loans to loans | 1.2327% | 4,306 |
| Net loans and leases to total assets | 34.2444% | 6,856 |
| Net loans and leases to deposits | 43.7567% | 6,731 |
| Net loans and leases to core deposits | 46.6356% | 6,710 |
| Total domestic deposits to total assets | 78.2611% | 6,146 |
| Equity capital to assets | 21.1944% | 184 |
| Core capital (leverage) ratio | 21.1944% | 161 |
| Tier 1 risk-based capital ratio | 71.9956% | 63 |
| Total risk-based capital ratio | 72.3343% | 66 |
| Memoranda: | ||
| Average total assets | $154,365,600 | 3,730 |
| Average earning assets | $147,672,200 | 3,613 |
| Average equity | $32,887,200 | 2,027 |
| Average total loans | $55,248,600 | 5,062 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0662% | 6,480 |
| Cost of funding earning assets | 1.1016% | 2,972 |
| Net interest margin | 2.9646% | 6,645 |
| Noninterest income to average assets | 0.0365% | 6,996 |
| Noninterest expense to average assets | 1.5869% | 7,177 |
| Loan and lease loss provision to assets | 0.0339% | 6,015 |
| Net operating income to assets | 0.9000% | 2,739 |
| Return on assets (ROA) | 0.9000% | 2,885 |
| Pretax return on assets | 1.2495% | 2,455 |
| Return on Equity (ROE) | 4.2186% | 4,907 |
| Retained earnings to average equity (ytd only) | 4.2186% | 3,728 |
| Net charge-offs to loans | 0.0962% | 5,018 |
| Credit loss provision to net charge-offs | 97.5000% | 3,513 |
| Earnings coverage of net charge-offs (x) | 36.9014% | 814 |
| Efficiency ratio | 55.2863% | 6,364 |
| Assets per employee ($millions) | 10.3768% | 222 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2801% | 7,296 |
| Loan loss allowance to noncurrent loans | 37.0813% | 5,812 |
| Noncurrent assets plus other real estate owned to assets | 0.3405% | 6,216 |
| Noncurrent loans to loans | 0.7553% | 5,364 |
| Net loans and leases to total assets | 35.4573% | 6,890 |
| Net loans and leases to deposits | 45.3940% | 6,767 |
| Net loans and leases to core deposits | 48.0799% | 6,757 |
| Total domestic deposits to total assets | 78.1101% | 6,177 |
| Equity capital to assets | 21.2962% | 192 |
| Core capital (leverage) ratio | 21.2826% | 168 |
| Tier 1 risk-based capital ratio | 71.5867% | 78 |
| Total risk-based capital ratio | 71.8655% | 79 |
| Memoranda: | ||
| Average total assets | $153,334,500 | 3,770 |
| Average earning assets | $146,570,250 | 3,653 |
| Average equity | $32,711,250 | 2,030 |
| Average total loans | $55,452,750 | 5,097 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1162% | 6,458 |
| Cost of funding earning assets | 1.1355% | 2,996 |
| Net interest margin | 2.9806% | 6,644 |
| Noninterest income to average assets | 0.0328% | 7,110 |
| Noninterest expense to average assets | 1.0265% | 7,450 |
| Loan and lease loss provision to assets | 0.0079% | 6,163 |
| Net operating income to assets | 1.2506% | 1,442 |
| Return on assets (ROA) | 1.2506% | 1,514 |
| Pretax return on assets | 1.8511% | 789 |
| Return on Equity (ROE) | 5.8589% | 4,035 |
| Retained earnings to average equity (ytd only) | 5.8589% | 2,512 |
| Net charge-offs to loans | 0.1262% | 4,469 |
| Credit loss provision to net charge-offs | 17.1429% | 5,174 |
| Earnings coverage of net charge-offs (x) | 40.5143% | 734 |
| Efficiency ratio | 35.5747% | 7,398 |
| Assets per employee ($millions) | 10.2515% | 228 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2286% | 7,383 |
| Loan loss allowance to noncurrent loans | 56.9507% | 4,607 |
| Noncurrent assets plus other real estate owned to assets | 0.2179% | 6,572 |
| Noncurrent loans to loans | 0.4014% | 6,099 |
| Net loans and leases to total assets | 36.0492% | 6,957 |
| Net loans and leases to deposits | 46.0978% | 6,825 |
| Net loans and leases to core deposits | 48.5327% | 6,830 |
| Total domestic deposits to total assets | 78.2016% | 6,248 |
| Equity capital to assets | 21.4999% | 193 |
| Core capital (leverage) ratio | 21.4927% | 171 |
| Tier 1 risk-based capital ratio | 71.9270% | 80 |
| Total risk-based capital ratio | 72.1599% | 81 |
| Memoranda: | ||
| Average total assets | $152,562,000 | 3,809 |
| Average earning assets | $146,009,000 | 3,693 |
| Average equity | $32,565,670 | 2,026 |
| Average total loans | $55,488,670 | 5,149 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1508% | 6,394 |
| Cost of funding earning assets | 1.1722% | 3,004 |
| Net interest margin | 2.9787% | 6,613 |
| Noninterest income to average assets | 0.0395% | 7,185 |
| Noninterest expense to average assets | 1.0056% | 7,515 |
| Loan and lease loss provision to assets | 0.0079% | 5,787 |
| Net operating income to assets | 1.2425% | 1,410 |
| Return on assets (ROA) | 1.2425% | 1,464 |
| Pretax return on assets | 1.8690% | 716 |
| Return on Equity (ROE) | 5.8419% | 3,994 |
| Retained earnings to average equity (ytd only) | 5.8419% | 2,729 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 34.8858% | 7,459 |
| Assets per employee ($millions) | 10.9671% | 196 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2872% | 7,412 |
| Loan loss allowance to noncurrent loans | 230.4348% | 1,298 |
| Noncurrent assets plus other real estate owned to assets | 0.1485% | 6,791 |
| Noncurrent loans to loans | 0.1246% | 6,737 |
| Net loans and leases to total assets | 35.9594% | 7,001 |
| Net loans and leases to deposits | 45.8054% | 6,862 |
| Net loans and leases to core deposits | 48.1050% | 6,873 |
| Total domestic deposits to total assets | 78.5046% | 6,297 |
| Equity capital to assets | 21.2114% | 195 |
| Core capital (leverage) ratio | 21.2093% | 179 |
| Tier 1 risk-based capital ratio | 71.1806% | 77 |
| Total risk-based capital ratio | 71.4888% | 78 |
| Memoranda: | ||
| Average total assets | $151,956,500 | 3,851 |
| Average earning assets | $145,031,500 | 3,730 |
| Average equity | $32,318,000 | 2,024 |
| Average total loans | $55,452,500 | 5,200 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4307% | 6,559 |
| Cost of funding earning assets | 1.5919% | 2,117 |
| Net interest margin | 2.8388% | 6,981 |
| Noninterest income to average assets | 0.0641% | 7,048 |
| Noninterest expense to average assets | 1.4119% | 7,477 |
| Loan and lease loss provision to assets | 0.0080% | 6,998 |
| Net operating income to assets | 1.0110% | 1,998 |
| Return on assets (ROA) | 1.0110% | 2,106 |
| Pretax return on assets | 1.3658% | 1,747 |
| Return on Equity (ROE) | 4.8230% | 4,147 |
| Retained earnings to average equity (ytd only) | 4.8230% | 2,527 |
| Net charge-offs to loans | 0.0409% | 6,395 |
| Credit loss provision to net charge-offs | 52.1739% | 6,227 |
| Earnings coverage of net charge-offs (x) | 89.3913% | 275 |
| Efficiency ratio | 50.6836% | 7,076 |
| Assets per employee ($millions) | 10.7409% | 210 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2809% | 7,492 |
| Loan loss allowance to noncurrent loans | 152.9412% | 1,954 |
| Noncurrent assets plus other real estate owned to assets | 0.1603% | 6,829 |
| Noncurrent loans to loans | 0.1837% | 6,702 |
| Net loans and leases to total assets | 36.8271% | 7,121 |
| Net loans and leases to deposits | 46.9815% | 6,998 |
| Net loans and leases to core deposits | 49.1903% | 7,013 |
| Total domestic deposits to total assets | 78.3864% | 6,239 |
| Equity capital to assets | 21.3256% | 196 |
| Core capital (leverage) ratio | 21.3343% | 187 |
| Tier 1 risk-based capital ratio | 70.6069% | 76 |
| Total risk-based capital ratio | 70.8775% | 79 |
| Memoranda: | ||
| Average total assets | $149,657,000 | 3,880 |
| Average earning assets | $143,476,400 | 3,750 |
| Average equity | $31,370,600 | 2,090 |
| Average total loans | $56,219,600 | 5,221 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5075% | 6,591 |
| Cost of funding earning assets | 1.6603% | 2,044 |
| Net interest margin | 2.8472% | 7,083 |
| Noninterest income to average assets | 0.0491% | 7,275 |
| Noninterest expense to average assets | 1.5342% | 7,532 |
| Loan and lease loss provision to assets | 0.0080% | 6,942 |
| Net operating income to assets | 0.9392% | 2,455 |
| Return on assets (ROA) | 0.9392% | 2,588 |
| Pretax return on assets | 1.2372% | 2,375 |
| Return on Equity (ROE) | 4.5004% | 4,557 |
| Retained earnings to average equity (ytd only) | 4.5004% | 3,348 |
| Net charge-offs to loans | 0.0473% | 6,055 |
| Credit loss provision to net charge-offs | 45.0000% | 5,958 |
| Earnings coverage of net charge-offs (x) | 69.7897% | 433 |
| Efficiency ratio | 55.1990% | 6,655 |
| Assets per employee ($millions) | 10.7739% | 218 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2792% | 7,603 |
| Loan loss allowance to noncurrent loans | 51.8272% | 4,833 |
| Noncurrent assets plus other real estate owned to assets | 0.2599% | 6,721 |
| Noncurrent loans to loans | 0.5386% | 6,130 |
| Net loans and leases to total assets | 36.9453% | 7,230 |
| Net loans and leases to deposits | 47.0103% | 7,132 |
| Net loans and leases to core deposits | 49.1649% | 7,152 |
| Total domestic deposits to total assets | 78.5897% | 6,121 |
| Equity capital to assets | 20.9661% | 234 |
| Core capital (leverage) ratio | 20.9674% | 208 |
| Tier 1 risk-based capital ratio | 69.5542% | 83 |
| Total risk-based capital ratio | 69.8467% | 84 |
| Memoranda: | ||
| Average total assets | $149,478,000 | 3,933 |
| Average earning assets | $143,341,250 | 3,809 |
| Average equity | $31,196,250 | 2,117 |
| Average total loans | $56,391,000 | 5,296 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6879% | 6,180 |
| Cost of funding earning assets | 1.7339% | 1,948 |
| Net interest margin | 2.9540% | 6,930 |
| Noninterest income to average assets | 0.0429% | 7,364 |
| Noninterest expense to average assets | 1.0508% | 7,764 |
| Loan and lease loss provision to assets | 0.0081% | 6,814 |
| Net operating income to assets | 1.2293% | 1,488 |
| Return on assets (ROA) | 1.2293% | 1,550 |
| Pretax return on assets | 1.8238% | 846 |
| Return on Equity (ROE) | 5.8995% | 3,853 |
| Retained earnings to average equity (ytd only) | 5.8995% | 2,395 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 36.4525% | 7,693 |
| Assets per employee ($millions) | 10.7463% | 210 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3098% | 7,659 |
| Loan loss allowance to noncurrent loans | 65.7795% | 4,048 |
| Noncurrent assets plus other real estate owned to assets | 0.2174% | 6,854 |
| Noncurrent loans to loans | 0.4710% | 6,309 |
| Net loans and leases to total assets | 36.9982% | 7,322 |
| Net loans and leases to deposits | 46.9738% | 7,204 |
| Net loans and leases to core deposits | 48.9083% | 7,253 |
| Total domestic deposits to total assets | 78.7634% | 6,096 |
| Equity capital to assets | 20.9262% | 241 |
| Core capital (leverage) ratio | 20.9310% | 203 |
| Tier 1 risk-based capital ratio | 68.5457% | 90 |
| Total risk-based capital ratio | 68.8852% | 91 |
| Memoranda: | ||
| Average total assets | $149,026,000 | 3,969 |
| Average earning assets | $143,261,000 | 3,834 |
| Average equity | $31,053,670 | 2,121 |
| Average total loans | $56,560,670 | 5,331 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7541% | 6,055 |
| Cost of funding earning assets | 1.7937% | 1,905 |
| Net interest margin | 2.9604% | 6,918 |
| Noninterest income to average assets | 0.0512% | 7,460 |
| Noninterest expense to average assets | 1.0464% | 7,869 |
| Loan and lease loss provision to assets | 0.0081% | 6,519 |
| Net operating income to assets | 1.2433% | 1,417 |
| Return on assets (ROA) | 1.2433% | 1,490 |
| Pretax return on assets | 1.8366% | 828 |
| Return on Equity (ROE) | 5.9794% | 3,892 |
| Retained earnings to average equity (ytd only) | 5.9794% | 2,630 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 36.1940% | 7,792 |
| Assets per employee ($millions) | 10.7324% | 217 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3008% | 7,756 |
| Loan loss allowance to noncurrent loans | 96.5909% | 2,871 |
| Noncurrent assets plus other real estate owned to assets | 0.1597% | 7,079 |
| Noncurrent loans to loans | 0.3114% | 6,696 |
| Net loans and leases to total assets | 37.5014% | 7,366 |
| Net loans and leases to deposits | 47.4593% | 7,257 |
| Net loans and leases to core deposits | 49.1877% | 7,315 |
| Total domestic deposits to total assets | 79.0181% | 6,073 |
| Equity capital to assets | 20.6758% | 255 |
| Core capital (leverage) ratio | 20.6678% | 222 |
| Tier 1 risk-based capital ratio | 65.8774% | 93 |
| Total risk-based capital ratio | 66.2381% | 93 |
| Memoranda: | ||
| Average total assets | $148,315,000 | 4,036 |
| Average earning assets | $142,278,000 | 3,911 |
| Average equity | $30,839,000 | 2,154 |
| Average total loans | $56,923,000 | 5,388 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1444% | 5,902 |
| Cost of funding earning assets | 2.2208% | 1,942 |
| Net interest margin | 2.9235% | 6,816 |
| Noninterest income to average assets | 0.0427% | 7,530 |
| Noninterest expense to average assets | 1.4474% | 7,828 |
| Loan and lease loss provision to assets | 0.0084% | 7,387 |
| Net operating income to assets | 0.9255% | 2,091 |
| Return on assets (ROA) | 0.9255% | 2,155 |
| Pretax return on assets | 1.3878% | 1,462 |
| Return on Equity (ROE) | 4.4102% | 3,923 |
| Retained earnings to average equity (ytd only) | 4.4102% | 2,160 |
| Net charge-offs to loans | 0.0171% | 6,983 |
| Credit loss provision to net charge-offs | 120.0000% | 4,455 |
| Earnings coverage of net charge-offs (x) | 199.3000% | 141 |
| Efficiency ratio | 50.8992% | 7,479 |
| Assets per employee ($millions) | 10.4555% | 236 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3087% | 7,825 |
| Loan loss allowance to noncurrent loans | 112.0253% | 2,514 |
| Noncurrent assets plus other real estate owned to assets | 0.1079% | 7,220 |
| Noncurrent loans to loans | 0.2756% | 6,739 |
| Net loans and leases to total assets | 39.0444% | 7,402 |
| Net loans and leases to deposits | 49.6072% | 7,281 |
| Net loans and leases to core deposits | 58.9166% | 7,304 |
| Total domestic deposits to total assets | 78.7070% | 6,063 |
| Equity capital to assets | 20.9131% | 252 |
| Core capital (leverage) ratio | 20.9024% | 245 |
| Tier 1 risk-based capital ratio | 64.5861% | 97 |
| Total risk-based capital ratio | 64.9599% | 99 |
| Memoranda: | ||
| Average total assets | $142,740,400 | 4,063 |
| Average earning assets | $136,751,800 | 3,962 |
| Average equity | $29,953,000 | 2,233 |
| Average total loans | $58,494,200 | 5,317 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2086% | 5,842 |
| Cost of funding earning assets | 2.2921% | 2,008 |
| Net interest margin | 2.9164% | 6,816 |
| Noninterest income to average assets | 0.0310% | 7,728 |
| Noninterest expense to average assets | 1.5887% | 7,842 |
| Loan and lease loss provision to assets | 0.0085% | 7,240 |
| Net operating income to assets | 0.8094% | 2,777 |
| Return on assets (ROA) | 0.8094% | 2,839 |
| Pretax return on assets | 1.2268% | 2,175 |
| Return on Equity (ROE) | 3.8538% | 4,437 |
| Retained earnings to average equity (ytd only) | 3.8538% | 3,139 |
| Net charge-offs to loans | 0.0159% | 6,697 |
| Credit loss provision to net charge-offs | 128.5714% | 3,898 |
| Earnings coverage of net charge-offs (x) | 187.7771% | 209 |
| Efficiency ratio | 56.2583% | 6,963 |
| Assets per employee ($millions) | 9.6138% | 297 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3049% | 7,909 |
| Loan loss allowance to noncurrent loans | 57.4675% | 4,522 |
| Noncurrent assets plus other real estate owned to assets | 0.2136% | 6,986 |
| Noncurrent loans to loans | 0.5306% | 6,248 |
| Net loans and leases to total assets | 40.1270% | 7,461 |
| Net loans and leases to deposits | 51.0579% | 7,359 |
| Net loans and leases to core deposits | 60.4471% | 7,386 |
| Total domestic deposits to total assets | 78.5912% | 5,932 |
| Equity capital to assets | 20.9165% | 283 |
| Core capital (leverage) ratio | 20.9005% | 265 |
| Tier 1 risk-based capital ratio | 64.0218% | 105 |
| Total risk-based capital ratio | 64.3979% | 107 |
| Memoranda: | ||
| Average total assets | $141,831,250 | 4,099 |
| Average earning assets | $135,823,750 | 4,010 |
| Average equity | $29,788,250 | 2,272 |
| Average total loans | $58,785,500 | 5,347 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2493% | 5,872 |
| Cost of funding earning assets | 2.3612% | 2,119 |
| Net interest margin | 2.8881% | 6,828 |
| Noninterest income to average assets | 0.0128% | 7,902 |
| Noninterest expense to average assets | 1.1217% | 8,101 |
| Loan and lease loss provision to assets | 0.0085% | 7,115 |
| Net operating income to assets | 1.1103% | 1,739 |
| Return on assets (ROA) | 1.1103% | 1,818 |
| Pretax return on assets | 1.6421% | 1,125 |
| Return on Equity (ROE) | 5.2792% | 3,963 |
| Retained earnings to average equity (ytd only) | 5.2792% | 2,357 |
| Net charge-offs to loans | 0.0169% | 6,287 |
| Credit loss provision to net charge-offs | 120.0000% | 3,871 |
| Earnings coverage of net charge-offs (x) | 232.8000% | 179 |
| Efficiency ratio | 40.4604% | 8,012 |
| Assets per employee ($millions) | 9.5448% | 300 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3043% | 7,987 |
| Loan loss allowance to noncurrent loans | 95.1351% | 3,026 |
| Noncurrent assets plus other real estate owned to assets | 0.1292% | 7,237 |
| Noncurrent loans to loans | 0.3199% | 6,711 |
| Net loans and leases to total assets | 40.2683% | 7,535 |
| Net loans and leases to deposits | 51.1521% | 7,424 |
| Net loans and leases to core deposits | 60.0421% | 7,450 |
| Total domestic deposits to total assets | 78.7228% | 5,889 |
| Equity capital to assets | 20.9859% | 331 |
| Core capital (leverage) ratio | 20.9859% | 317 |
| Tier 1 risk-based capital ratio | 64.6526% | 116 |
| Total risk-based capital ratio | 65.0313% | 118 |
| Memoranda: | ||
| Average total assets | $141,039,330 | 4,157 |
| Average earning assets | $134,760,670 | 4,055 |
| Average equity | $29,663,330 | 2,292 |
| Average total loans | $59,033,000 | 5,376 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2935% | 5,919 |
| Cost of funding earning assets | 2.4434% | 2,128 |
| Net interest margin | 2.8501% | 6,875 |
| Noninterest income to average assets | -0.0514% | 8,113 |
| Noninterest expense to average assets | 1.0231% | 8,166 |
| Loan and lease loss provision to assets | 0.0086% | 6,705 |
| Net operating income to assets | 1.1688% | 1,743 |
| Return on assets (ROA) | 1.1688% | 1,857 |
| Pretax return on assets | 1.6403% | 1,314 |
| Return on Equity (ROE) | 5.5510% | 4,231 |
| Retained earnings to average equity (ytd only) | 5.5510% | 2,842 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.2888% | 8,082 |
| Assets per employee ($millions) | 9.4073% | 320 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3053% | 8,027 |
| Loan loss allowance to noncurrent loans | 141.2698% | 2,275 |
| Noncurrent assets plus other real estate owned to assets | 0.0893% | 7,326 |
| Noncurrent loans to loans | 0.2161% | 6,913 |
| Net loans and leases to total assets | 41.1863% | 7,514 |
| Net loans and leases to deposits | 52.2997% | 7,384 |
| Net loans and leases to core deposits | 61.0195% | 7,419 |
| Total domestic deposits to total assets | 78.7506% | 5,808 |
| Equity capital to assets | 21.0311% | 362 |
| Core capital (leverage) ratio | 21.0307% | 349 |
| Tier 1 risk-based capital ratio | 63.8729% | 131 |
| Total risk-based capital ratio | 64.2560% | 132 |
| Memoranda: | ||
| Average total assets | $139,973,000 | 4,187 |
| Average earning assets | $133,749,500 | 4,077 |
| Average equity | $29,472,000 | 2,317 |
| Average total loans | $59,635,000 | 5,377 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6780% | 6,841 |
| Cost of funding earning assets | 2.7712% | 2,826 |
| Net interest margin | 2.9068% | 7,140 |
| Noninterest income to average assets | 0.0772% | 7,756 |
| Noninterest expense to average assets | 1.2902% | 8,122 |
| Loan and lease loss provision to assets | 0.0185% | 7,152 |
| Net operating income to assets | 1.1329% | 2,017 |
| Return on assets (ROA) | 1.1329% | 1,933 |
| Pretax return on assets | 1.5692% | 1,484 |
| Return on Equity (ROE) | 5.2660% | 4,256 |
| Retained earnings to average equity (ytd only) | 5.2660% | 1,877 |
| Net charge-offs to loans | 0.0016% | 7,010 |
| Credit loss provision to net charge-offs | 2,500.0000% | 185 |
| Earnings coverage of net charge-offs (x) | 2,140.0000% | 7 |
| Efficiency ratio | 44.8311% | 7,979 |
| Assets per employee ($millions) | 9.2557% | 325 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2870% | 8,091 |
| Loan loss allowance to noncurrent loans | 165.0943% | 2,286 |
| Noncurrent assets plus other real estate owned to assets | 0.1405% | 7,020 |
| Noncurrent loans to loans | 0.1738% | 6,866 |
| Net loans and leases to total assets | 43.7920% | 7,487 |
| Net loans and leases to deposits | 55.6910% | 7,342 |
| Net loans and leases to core deposits | 65.0605% | 7,395 |
| Total domestic deposits to total assets | 78.6338% | 5,507 |
| Equity capital to assets | 21.0803% | 395 |
| Core capital (leverage) ratio | 21.0803% | 368 |
| Tier 1 risk-based capital ratio | 62.7025% | 148 |
| Total risk-based capital ratio | 63.0774% | 148 |
| Memoranda: | ||
| Average total assets | $134,786,200 | 4,190 |
| Average earning assets | $129,869,600 | 4,042 |
| Average equity | $28,997,600 | 2,333 |
| Average total loans | $61,366,200 | 5,206 |