Home > Sunstate Bank > Performance and Condition Ratios
Sunstate Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1961% | 1,669 |
| Cost of funding earning assets | 1.9697% | 961 |
| Net interest margin | 3.2264% | 2,807 |
| Noninterest income to average assets | 0.5600% | 1,679 |
| Noninterest expense to average assets | 2.6138% | 1,966 |
| Loan and lease loss provision to assets | 0.0300% | 2,526 |
| Net operating income to assets | 0.6961% | 3,207 |
| Return on assets (ROA) | 0.6971% | 3,173 |
| Pretax return on assets | 0.9417% | 2,836 |
| Return on Equity (ROE) | 5.4100% | 3,641 |
| Retained earnings to average equity (ytd only) | 5.4097% | 2,442 |
| Net charge-offs to loans | -0.0217% | 4,185 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 72.4164% | 1,623 |
| Assets per employee ($millions) | 7.3519% | 1,843 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9702% | 3,459 |
| Loan loss allowance to noncurrent loans | 1,953.9568% | 540 |
| Noncurrent assets plus other real estate owned to assets | 0.0295% | 3,474 |
| Noncurrent loans to loans | 0.0497% | 3,370 |
| Net loans and leases to total assets | 58.9200% | 2,957 |
| Net loans and leases to deposits | 74.4418% | 2,588 |
| Net loans and leases to core deposits | 91.4865% | 1,951 |
| Total domestic deposits to total assets | 79.1500% | 3,589 |
| Equity capital to assets | 13.5648% | 755 |
| Core capital (leverage) ratio | 11.8909% | 1,467 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5554% | 1,665 |
| Memoranda: | ||
| Average total assets | $474,678,200 | 1,786 |
| Average earning assets | $444,734,800 | 1,766 |
| Average equity | $61,168,000 | 1,376 |
| Average total loans | $243,737,200 | 2,039 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9641% | 1,906 |
| Cost of funding earning assets | 1.7895% | 1,026 |
| Net interest margin | 3.1746% | 2,974 |
| Noninterest income to average assets | 0.5500% | 1,728 |
| Noninterest expense to average assets | 2.6200% | 1,876 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.6673% | 3,393 |
| Return on assets (ROA) | 0.6684% | 3,379 |
| Pretax return on assets | 0.9025% | 3,097 |
| Return on Equity (ROE) | 5.2600% | 3,767 |
| Retained earnings to average equity (ytd only) | 5.2557% | 2,854 |
| Net charge-offs to loans | 0.0341% | 1,401 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 53.5833% | 1,272 |
| Efficiency ratio | 73.8597% | 1,376 |
| Assets per employee ($millions) | 7.5498% | 1,605 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9523% | 3,553 |
| Loan loss allowance to noncurrent loans | 457.6493% | 1,533 |
| Noncurrent assets plus other real estate owned to assets | 0.1109% | 2,835 |
| Noncurrent loans to loans | 0.2081% | 2,522 |
| Net loans and leases to total assets | 52.8000% | 3,438 |
| Net loans and leases to deposits | 65.9765% | 3,126 |
| Net loans and leases to core deposits | 81.2218% | 2,518 |
| Total domestic deposits to total assets | 80.0300% | 3,525 |
| Equity capital to assets | 12.9176% | 832 |
| Core capital (leverage) ratio | 11.5518% | 1,646 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8309% | 1,618 |
| Memoranda: | ||
| Average total assets | $475,717,500 | 1,782 |
| Average earning assets | $445,614,750 | 1,763 |
| Average equity | $60,503,750 | 1,373 |
| Average total loans | $234,686,250 | 2,081 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7205% | 2,165 |
| Cost of funding earning assets | 1.5661% | 1,133 |
| Net interest margin | 3.1544% | 3,093 |
| Noninterest income to average assets | 0.5500% | 1,674 |
| Noninterest expense to average assets | 2.6157% | 1,882 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.6603% | 3,432 |
| Return on assets (ROA) | 0.6623% | 3,435 |
| Pretax return on assets | 0.8947% | 3,174 |
| Return on Equity (ROE) | 5.2300% | 3,854 |
| Retained earnings to average equity (ytd only) | 5.2350% | 2,882 |
| Net charge-offs to loans | 0.0555% | 972 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 33.5079% | 1,496 |
| Efficiency ratio | 73.9759% | 1,345 |
| Assets per employee ($millions) | 7.7627% | 1,437 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0328% | 3,278 |
| Loan loss allowance to noncurrent loans | 606.4356% | 1,343 |
| Noncurrent assets plus other real estate owned to assets | 0.0839% | 2,949 |
| Noncurrent loans to loans | 0.1703% | 2,624 |
| Net loans and leases to total assets | 48.7800% | 3,644 |
| Net loans and leases to deposits | 60.7609% | 3,374 |
| Net loans and leases to core deposits | 74.6276% | 2,848 |
| Total domestic deposits to total assets | 80.2800% | 3,533 |
| Equity capital to assets | 12.6959% | 888 |
| Core capital (leverage) ratio | 11.7867% | 1,475 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4837% | 2,102 |
| Memoranda: | ||
| Average total assets | $473,227,667 | 1,791 |
| Average earning assets | $443,255,000 | 1,777 |
| Average equity | $59,866,333 | 1,389 |
| Average total loans | $227,049,667 | 2,112 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4452% | 2,436 |
| Cost of funding earning assets | 1.2741% | 1,288 |
| Net interest margin | 3.1711% | 3,187 |
| Noninterest income to average assets | 0.5600% | 1,579 |
| Noninterest expense to average assets | 2.6389% | 1,845 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.6610% | 3,550 |
| Return on assets (ROA) | 0.6610% | 3,503 |
| Pretax return on assets | 0.8913% | 3,263 |
| Return on Equity (ROE) | 5.2500% | 3,853 |
| Retained earnings to average equity (ytd only) | 5.2510% | 2,962 |
| Net charge-offs to loans | 0.1261% | 518 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 14.9286% | 1,558 |
| Efficiency ratio | 74.1725% | 1,325 |
| Assets per employee ($millions) | 7.4929% | 1,626 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1046% | 3,030 |
| Loan loss allowance to noncurrent loans | 588.6747% | 1,443 |
| Noncurrent assets plus other real estate owned to assets | 0.0879% | 2,934 |
| Noncurrent loans to loans | 0.1876% | 2,539 |
| Net loans and leases to total assets | 46.3300% | 3,760 |
| Net loans and leases to deposits | 56.9160% | 3,516 |
| Net loans and leases to core deposits | 67.9513% | 3,104 |
| Total domestic deposits to total assets | 81.4100% | 3,570 |
| Equity capital to assets | 12.6553% | 838 |
| Core capital (leverage) ratio | 11.5317% | 1,544 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5846% | 1,767 |
| Memoranda: | ||
| Average total assets | $468,985,000 | 1,823 |
| Average earning assets | $439,215,000 | 1,804 |
| Average equity | $59,036,000 | 1,412 |
| Average total loans | $221,964,000 | 2,161 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3037% | 3,583 |
| Cost of funding earning assets | 0.4063% | 2,044 |
| Net interest margin | 2.8975% | 3,686 |
| Noninterest income to average assets | 0.5400% | 1,892 |
| Noninterest expense to average assets | 2.3416% | 2,611 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.7106% | 3,587 |
| Return on assets (ROA) | 0.7137% | 3,523 |
| Pretax return on assets | 0.9256% | 3,282 |
| Return on Equity (ROE) | 5.9900% | 3,827 |
| Retained earnings to average equity (ytd only) | 5.9947% | 2,649 |
| Net charge-offs to loans | -0.0216% | 4,086 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 70.9321% | 1,572 |
| Assets per employee ($millions) | 7.6380% | 1,524 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1281% | 2,750 |
| Loan loss allowance to noncurrent loans | 583.0626% | 1,434 |
| Noncurrent assets plus other real estate owned to assets | 0.0925% | 2,902 |
| Noncurrent loans to loans | 0.1935% | 2,508 |
| Net loans and leases to total assets | 47.2700% | 3,723 |
| Net loans and leases to deposits | 56.8925% | 3,520 |
| Net loans and leases to core deposits | 66.0256% | 3,131 |
| Total domestic deposits to total assets | 83.0900% | 3,399 |
| Equity capital to assets | 12.5199% | 800 |
| Core capital (leverage) ratio | 11.4381% | 1,550 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9048% | 2,010 |
| Memoranda: | ||
| Average total assets | $483,261,400 | 1,762 |
| Average earning assets | $454,606,400 | 1,741 |
| Average equity | $57,534,600 | 1,448 |
| Average total loans | $213,158,800 | 2,146 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0607% | 3,766 |
| Cost of funding earning assets | 0.2775% | 2,412 |
| Net interest margin | 2.7832% | 3,771 |
| Noninterest income to average assets | 0.5400% | 1,952 |
| Noninterest expense to average assets | 2.3986% | 2,337 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.5740% | 3,902 |
| Return on assets (ROA) | 0.5781% | 3,844 |
| Pretax return on assets | 0.7733% | 3,646 |
| Return on Equity (ROE) | 4.9200% | 3,992 |
| Retained earnings to average equity (ytd only) | 4.9160% | 3,129 |
| Net charge-offs to loans | -0.0266% | 4,096 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 74.8295% | 1,193 |
| Assets per employee ($millions) | 7.8223% | 1,412 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1904% | 2,581 |
| Loan loss allowance to noncurrent loans | 566.3657% | 1,459 |
| Noncurrent assets plus other real estate owned to assets | 0.0944% | 2,999 |
| Noncurrent loans to loans | 0.2102% | 2,552 |
| Net loans and leases to total assets | 44.3700% | 3,852 |
| Net loans and leases to deposits | 53.1574% | 3,655 |
| Net loans and leases to core deposits | 60.2218% | 3,368 |
| Total domestic deposits to total assets | 83.4800% | 3,607 |
| Equity capital to assets | 12.1459% | 854 |
| Core capital (leverage) ratio | 10.8652% | 1,835 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0178% | 2,048 |
| Memoranda: | ||
| Average total assets | $487,597,750 | 1,758 |
| Average earning assets | $459,313,500 | 1,742 |
| Average equity | $57,335,250 | 1,466 |
| Average total loans | $210,758,000 | 2,162 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8393% | 3,917 |
| Cost of funding earning assets | 0.2096% | 2,789 |
| Net interest margin | 2.6297% | 3,852 |
| Noninterest income to average assets | 0.5546% | 1,923 |
| Noninterest expense to average assets | 2.3695% | 2,336 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.4967% | 3,901 |
| Return on assets (ROA) | 0.5027% | 3,840 |
| Pretax return on assets | 0.6733% | 3,645 |
| Return on Equity (ROE) | 4.3206% | 3,959 |
| Retained earnings to average equity (ytd only) | 4.3206% | 2,965 |
| Net charge-offs to loans | -0.0095% | 3,573 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0956% | 1,166 |
| Assets per employee ($millions) | 8.1853% | 1,208 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1981% | 2,687 |
| Loan loss allowance to noncurrent loans | 546.7991% | 1,456 |
| Noncurrent assets plus other real estate owned to assets | 0.0954% | 3,055 |
| Noncurrent loans to loans | 0.2191% | 2,626 |
| Net loans and leases to total assets | 43.0280% | 3,904 |
| Net loans and leases to deposits | 51.3690% | 3,736 |
| Net loans and leases to core deposits | 56.1746% | 3,554 |
| Total domestic deposits to total assets | 83.7625% | 3,731 |
| Equity capital to assets | 11.9870% | 881 |
| Core capital (leverage) ratio | 10.2740% | 2,120 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9364% | 2,086 |
| Memoranda: | ||
| Average total assets | $493,685,000 | 1,745 |
| Average earning assets | $465,680,333 | 1,734 |
| Average equity | $57,445,333 | 1,493 |
| Average total loans | $210,753,667 | 2,166 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6523% | 4,031 |
| Cost of funding earning assets | 0.2103% | 2,664 |
| Net interest margin | 2.4420% | 4,003 |
| Noninterest income to average assets | 0.6153% | 1,625 |
| Noninterest expense to average assets | 2.3206% | 2,419 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.4461% | 3,854 |
| Return on assets (ROA) | 0.4555% | 3,797 |
| Pretax return on assets | 0.6145% | 3,596 |
| Return on Equity (ROE) | 3.9713% | 3,884 |
| Retained earnings to average equity (ytd only) | 3.9713% | 2,941 |
| Net charge-offs to loans | -0.0113% | 3,636 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.3791% | 1,283 |
| Assets per employee ($millions) | 8.6819% | 1,031 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1603% | 3,056 |
| Loan loss allowance to noncurrent loans | 535.0649% | 1,427 |
| Noncurrent assets plus other real estate owned to assets | 0.0902% | 3,172 |
| Noncurrent loans to loans | 0.2169% | 2,731 |
| Net loans and leases to total assets | 41.1085% | 3,945 |
| Net loans and leases to deposits | 48.4542% | 3,843 |
| Net loans and leases to core deposits | 53.6432% | 3,621 |
| Total domestic deposits to total assets | 84.8398% | 3,576 |
| Equity capital to assets | 11.2086% | 1,234 |
| Core capital (leverage) ratio | 9.9964% | 2,295 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1393% | 1,227 |
| Memoranda: | ||
| Average total assets | $503,154,000 | 1,722 |
| Average earning assets | $475,504,000 | 1,714 |
| Average equity | $57,714,000 | 1,532 |
| Average total loans | $212,755,000 | 2,154 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9563% | 3,947 |
| Cost of funding earning assets | 0.4490% | 1,208 |
| Net interest margin | 2.5073% | 4,178 |
| Noninterest income to average assets | 0.4982% | 2,572 |
| Noninterest expense to average assets | 2.0616% | 3,499 |
| Loan and lease loss provision to assets | -0.0975% | 4,521 |
| Net operating income to assets | 0.6428% | 3,765 |
| Return on assets (ROA) | 0.6428% | 3,822 |
| Pretax return on assets | 0.8654% | 3,583 |
| Return on Equity (ROE) | 5.8053% | 3,816 |
| Retained earnings to average equity (ytd only) | 5.8053% | 2,440 |
| Net charge-offs to loans | -0.0146% | 3,864 |
| Credit loss provision to net charge-offs | 1,470.5882% | 394 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6264% | 1,551 |
| Assets per employee ($millions) | 8.5186% | 1,078 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1611% | 3,076 |
| Loan loss allowance to noncurrent loans | 520.4641% | 1,390 |
| Noncurrent assets plus other real estate owned to assets | 0.0959% | 3,266 |
| Noncurrent loans to loans | 0.2231% | 2,845 |
| Net loans and leases to total assets | 42.5036% | 3,953 |
| Net loans and leases to deposits | 50.9345% | 3,809 |
| Net loans and leases to core deposits | 56.7707% | 3,564 |
| Total domestic deposits to total assets | 83.4476% | 3,709 |
| Equity capital to assets | 11.7419% | 1,372 |
| Core capital (leverage) ratio | 9.8044% | 2,568 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3266% | 1,427 |
| Memoranda: | ||
| Average total assets | $513,044,800 | 1,670 |
| Average earning assets | $477,041,600 | 1,669 |
| Average equity | $56,810,400 | 1,586 |
| Average total loans | $232,530,400 | 2,034 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9354% | 4,109 |
| Cost of funding earning assets | 0.5094% | 1,003 |
| Net interest margin | 2.4260% | 4,367 |
| Noninterest income to average assets | 0.4926% | 2,656 |
| Noninterest expense to average assets | 2.0136% | 3,630 |
| Loan and lease loss provision to assets | -0.1288% | 4,659 |
| Net operating income to assets | 0.6183% | 3,973 |
| Return on assets (ROA) | 0.6183% | 4,024 |
| Pretax return on assets | 0.8544% | 3,786 |
| Return on Equity (ROE) | 5.6650% | 3,993 |
| Retained earnings to average equity (ytd only) | 5.6650% | 2,972 |
| Net charge-offs to loans | -0.0140% | 3,816 |
| Credit loss provision to net charge-offs | 2,000.0000% | 325 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1752% | 1,388 |
| Assets per employee ($millions) | 8.8297% | 947 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1569% | 3,183 |
| Loan loss allowance to noncurrent loans | 240.0391% | 2,296 |
| Noncurrent assets plus other real estate owned to assets | 0.1966% | 2,811 |
| Noncurrent loans to loans | 0.4819% | 2,110 |
| Net loans and leases to total assets | 40.3131% | 4,194 |
| Net loans and leases to deposits | 47.7592% | 4,133 |
| Net loans and leases to core deposits | 55.2339% | 3,833 |
| Total domestic deposits to total assets | 84.4090% | 3,334 |
| Equity capital to assets | 11.0082% | 2,009 |
| Core capital (leverage) ratio | 9.4398% | 3,075 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4675% | 1,502 |
| Memoranda: | ||
| Average total assets | $517,786,500 | 1,669 |
| Average earning assets | $479,516,250 | 1,680 |
| Average equity | $56,509,500 | 1,611 |
| Average total loans | $237,546,000 | 2,043 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7732% | 4,382 |
| Cost of funding earning assets | 0.5891% | 783 |
| Net interest margin | 2.1841% | 4,610 |
| Noninterest income to average assets | 0.5248% | 2,509 |
| Noninterest expense to average assets | 1.9453% | 3,849 |
| Loan and lease loss provision to assets | -0.1935% | 4,749 |
| Net operating income to assets | 0.5988% | 3,987 |
| Return on assets (ROA) | 0.5988% | 4,041 |
| Pretax return on assets | 0.7935% | 3,876 |
| Return on Equity (ROE) | 5.5024% | 4,030 |
| Retained earnings to average equity (ytd only) | 5.5024% | 2,997 |
| Net charge-offs to loans | -0.0195% | 3,989 |
| Credit loss provision to net charge-offs | 2,083.3333% | 281 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9392% | 1,167 |
| Assets per employee ($millions) | 8.7407% | 935 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0648% | 3,568 |
| Loan loss allowance to noncurrent loans | 111.2268% | 3,232 |
| Noncurrent assets plus other real estate owned to assets | 0.4212% | 1,928 |
| Noncurrent loans to loans | 0.9573% | 1,293 |
| Net loans and leases to total assets | 43.5321% | 4,070 |
| Net loans and leases to deposits | 52.5649% | 3,963 |
| Net loans and leases to core deposits | 61.8394% | 3,475 |
| Total domestic deposits to total assets | 82.8160% | 3,746 |
| Equity capital to assets | 10.8655% | 2,094 |
| Core capital (leverage) ratio | 9.0992% | 3,350 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8152% | 1,686 |
| Memoranda: | ||
| Average total assets | $516,730,333 | 1,660 |
| Average earning assets | $478,004,667 | 1,674 |
| Average equity | $56,230,000 | 1,614 |
| Average total loans | $245,904,333 | 1,993 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1199% | 3,846 |
| Cost of funding earning assets | 0.7397% | 468 |
| Net interest margin | 2.3802% | 4,436 |
| Noninterest income to average assets | 0.5038% | 2,594 |
| Noninterest expense to average assets | 1.9443% | 3,870 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.5725% | 4,014 |
| Return on assets (ROA) | 0.5725% | 4,066 |
| Pretax return on assets | 0.7581% | 3,895 |
| Return on Equity (ROE) | 5.2566% | 4,044 |
| Retained earnings to average equity (ytd only) | 5.2566% | 3,146 |
| Net charge-offs to loans | -0.0331% | 4,219 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3593% | 2,019 |
| Assets per employee ($millions) | 9.3181% | 747 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1871% | 2,994 |
| Loan loss allowance to noncurrent loans | 126.7811% | 3,034 |
| Noncurrent assets plus other real estate owned to assets | 0.4465% | 2,047 |
| Noncurrent loans to loans | 0.9363% | 1,443 |
| Net loans and leases to total assets | 47.1222% | 3,882 |
| Net loans and leases to deposits | 57.4486% | 3,680 |
| Net loans and leases to core deposits | 68.2888% | 3,036 |
| Total domestic deposits to total assets | 82.0251% | 3,890 |
| Equity capital to assets | 10.7598% | 2,030 |
| Core capital (leverage) ratio | 9.1104% | 3,491 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4144% | 2,523 |
| Memoranda: | ||
| Average total assets | $512,875,500 | 1,658 |
| Average earning assets | $473,737,500 | 1,671 |
| Average equity | $55,853,500 | 1,609 |
| Average total loans | $253,478,000 | 1,946 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6525% | 3,689 |
| Cost of funding earning assets | 1.1692% | 312 |
| Net interest margin | 2.4833% | 4,605 |
| Noninterest income to average assets | 0.6198% | 2,139 |
| Noninterest expense to average assets | 2.1619% | 3,780 |
| Loan and lease loss provision to assets | 0.1801% | 2,142 |
| Net operating income to assets | 0.4083% | 4,228 |
| Return on assets (ROA) | 0.4088% | 4,306 |
| Pretax return on assets | 0.5403% | 4,202 |
| Return on Equity (ROE) | 3.6788% | 4,230 |
| Retained earnings to average equity (ytd only) | 3.6788% | 2,993 |
| Net charge-offs to loans | -0.0052% | 4,148 |
| Credit loss provision to net charge-offs | -6,730.7692% | 4,370 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3929% | 1,519 |
| Assets per employee ($millions) | 8.9989% | 744 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1363% | 3,277 |
| Loan loss allowance to noncurrent loans | 124.6494% | 3,042 |
| Noncurrent assets plus other real estate owned to assets | 0.4669% | 2,161 |
| Noncurrent loans to loans | 0.9116% | 1,545 |
| Net loans and leases to total assets | 50.6370% | 3,773 |
| Net loans and leases to deposits | 62.6547% | 3,555 |
| Net loans and leases to core deposits | 77.2276% | 2,618 |
| Total domestic deposits to total assets | 80.8191% | 3,903 |
| Equity capital to assets | 11.0253% | 2,230 |
| Core capital (leverage) ratio | 9.4602% | 3,157 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2290% | 2,542 |
| Memoranda: | ||
| Average total assets | $485,828,800 | 1,592 |
| Average earning assets | $442,522,400 | 1,615 |
| Average equity | $53,985,200 | 1,581 |
| Average total loans | $248,470,400 | 1,928 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7229% | 3,751 |
| Cost of funding earning assets | 1.2633% | 289 |
| Net interest margin | 2.4596% | 4,683 |
| Noninterest income to average assets | 0.6545% | 1,966 |
| Noninterest expense to average assets | 2.1575% | 3,785 |
| Loan and lease loss provision to assets | 0.1801% | 2,184 |
| Net operating income to assets | 0.4162% | 4,230 |
| Return on assets (ROA) | 0.4166% | 4,296 |
| Pretax return on assets | 0.5512% | 4,191 |
| Return on Equity (ROE) | 3.7382% | 4,231 |
| Retained earnings to average equity (ytd only) | 3.7382% | 3,175 |
| Net charge-offs to loans | -0.0043% | 4,023 |
| Credit loss provision to net charge-offs | -8,125.0000% | 4,312 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9836% | 1,528 |
| Assets per employee ($millions) | 8.9568% | 699 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9641% | 3,835 |
| Loan loss allowance to noncurrent loans | 124.7000% | 2,969 |
| Noncurrent assets plus other real estate owned to assets | 0.5042% | 2,187 |
| Noncurrent loans to loans | 0.7731% | 1,885 |
| Net loans and leases to total assets | 50.1829% | 4,091 |
| Net loans and leases to deposits | 64.2098% | 3,781 |
| Net loans and leases to core deposits | 80.5680% | 2,793 |
| Total domestic deposits to total assets | 78.1546% | 4,173 |
| Equity capital to assets | 10.7526% | 2,585 |
| Core capital (leverage) ratio | 9.3854% | 3,370 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1737% | 2,547 |
| Memoranda: | ||
| Average total assets | $481,352,750 | 1,583 |
| Average earning assets | $437,139,750 | 1,615 |
| Average equity | $53,643,000 | 1,577 |
| Average total loans | $246,059,750 | 1,944 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1972% | 2,774 |
| Cost of funding earning assets | 1.3474% | 289 |
| Net interest margin | 2.8497% | 4,386 |
| Noninterest income to average assets | 0.5883% | 2,176 |
| Noninterest expense to average assets | 2.2818% | 3,568 |
| Loan and lease loss provision to assets | 0.0954% | 3,079 |
| Net operating income to assets | 0.5942% | 3,761 |
| Return on assets (ROA) | 0.5942% | 3,837 |
| Pretax return on assets | 0.7872% | 3,627 |
| Return on Equity (ROE) | 5.2528% | 3,757 |
| Retained earnings to average equity (ytd only) | 5.2528% | 2,363 |
| Net charge-offs to loans | 0.0008% | 3,009 |
| Credit loss provision to net charge-offs | 22,500.0000% | 46 |
| Earnings coverage of net charge-offs (x) | 2,081.0000% | 37 |
| Efficiency ratio | 70.4731% | 1,894 |
| Assets per employee ($millions) | 9.3612% | 614 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8069% | 4,328 |
| Loan loss allowance to noncurrent loans | 301.6105% | 1,539 |
| Noncurrent assets plus other real estate owned to assets | 0.2441% | 3,338 |
| Noncurrent loans to loans | 0.2675% | 3,421 |
| Net loans and leases to total assets | 49.1864% | 4,197 |
| Net loans and leases to deposits | 66.3537% | 3,691 |
| Net loans and leases to core deposits | 84.4138% | 2,576 |
| Total domestic deposits to total assets | 74.1275% | 4,587 |
| Equity capital to assets | 10.6341% | 2,635 |
| Core capital (leverage) ratio | 9.4767% | 3,377 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0092% | 2,608 |
| Memoranda: | ||
| Average total assets | $471,563,000 | 1,578 |
| Average earning assets | $426,288,000 | 1,628 |
| Average equity | $53,343,333 | 1,575 |
| Average total loans | $241,786,000 | 1,950 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1312% | 3,430 |
| Cost of funding earning assets | 1.5142% | 250 |
| Net interest margin | 2.6170% | 4,738 |
| Noninterest income to average assets | 0.6686% | 1,772 |
| Noninterest expense to average assets | 2.2351% | 3,922 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.5850% | 3,645 |
| Return on assets (ROA) | 0.5850% | 3,703 |
| Pretax return on assets | 0.7753% | 3,477 |
| Return on Equity (ROE) | 5.0000% | 3,631 |
| Retained earnings to average equity (ytd only) | 5.0000% | 2,277 |
| Net charge-offs to loans | 0.0119% | 2,151 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 124.5714% | 499 |
| Efficiency ratio | 72.4454% | 2,009 |
| Assets per employee ($millions) | 8.0003% | 733 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7722% | 4,468 |
| Loan loss allowance to noncurrent loans | 1,102.4096% | 524 |
| Noncurrent assets plus other real estate owned to assets | 0.1652% | 3,840 |
| Noncurrent loans to loans | 0.0700% | 4,249 |
| Net loans and leases to total assets | 52.4886% | 4,091 |
| Net loans and leases to deposits | 67.0124% | 3,794 |
| Net loans and leases to core deposits | 84.2012% | 2,834 |
| Total domestic deposits to total assets | 78.3267% | 4,165 |
| Equity capital to assets | 11.6790% | 2,301 |
| Core capital (leverage) ratio | 9.8575% | 3,599 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0594% | 2,666 |
| Memoranda: | ||
| Average total assets | $449,912,500 | 1,611 |
| Average earning assets | $402,599,000 | 1,661 |
| Average equity | $52,639,500 | 1,584 |
| Average total loans | $235,027,500 | 1,965 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7299% | 2,245 |
| Cost of funding earning assets | 1.3982% | 569 |
| Net interest margin | 3.3317% | 3,910 |
| Noninterest income to average assets | 0.7213% | 1,739 |
| Noninterest expense to average assets | 2.2888% | 3,968 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.1022% | 2,438 |
| Return on assets (ROA) | 1.5722% | 951 |
| Pretax return on assets | 2.0544% | 527 |
| Return on Equity (ROE) | 14.1860% | 864 |
| Retained earnings to average equity (ytd only) | 14.1860% | 118 |
| Net charge-offs to loans | -0.1613% | 5,035 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3897% | 3,777 |
| Assets per employee ($millions) | 8.0680% | 693 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7882% | 4,342 |
| Loan loss allowance to noncurrent loans | 781.7021% | 670 |
| Noncurrent assets plus other real estate owned to assets | 0.1791% | 3,758 |
| Noncurrent loans to loans | 0.1008% | 4,123 |
| Net loans and leases to total assets | 51.1788% | 4,273 |
| Net loans and leases to deposits | 66.2582% | 3,941 |
| Net loans and leases to core deposits | 86.4330% | 2,759 |
| Total domestic deposits to total assets | 77.2414% | 4,465 |
| Equity capital to assets | 11.7207% | 2,341 |
| Core capital (leverage) ratio | 9.6172% | 3,941 |
| Tier 1 risk-based capital ratio | 14.6238% | 2,947 |
| Total risk-based capital ratio | 15.2441% | 3,180 |
| Memoranda: | ||
| Average total assets | $441,545,800 | 1,595 |
| Average earning assets | $401,147,800 | 1,619 |
| Average equity | $48,935,400 | 1,632 |
| Average total loans | $234,948,000 | 1,924 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8041% | 2,107 |
| Cost of funding earning assets | 1.3654% | 650 |
| Net interest margin | 3.4387% | 3,761 |
| Noninterest income to average assets | 1.3309% | 532 |
| Noninterest expense to average assets | 2.3414% | 3,844 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.5778% | 980 |
| Return on assets (ROA) | 1.5845% | 1,016 |
| Pretax return on assets | 2.1227% | 521 |
| Return on Equity (ROE) | 14.5123% | 885 |
| Retained earnings to average equity (ytd only) | 14.5123% | 178 |
| Net charge-offs to loans | -0.1167% | 5,017 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.0770% | 4,667 |
| Assets per employee ($millions) | 8.1801% | 647 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7010% | 4,650 |
| Loan loss allowance to noncurrent loans | 690.4564% | 759 |
| Noncurrent assets plus other real estate owned to assets | 0.1779% | 3,861 |
| Noncurrent loans to loans | 0.1015% | 4,190 |
| Net loans and leases to total assets | 51.4525% | 4,343 |
| Net loans and leases to deposits | 67.4660% | 3,960 |
| Net loans and leases to core deposits | 86.8551% | 2,833 |
| Total domestic deposits to total assets | 76.2642% | 4,613 |
| Equity capital to assets | 10.9257% | 3,165 |
| Core capital (leverage) ratio | 9.5683% | 4,094 |
| Tier 1 risk-based capital ratio | 11.5053% | 4,666 |
| Total risk-based capital ratio | 11.9668% | 4,928 |
| Memoranda: | ||
| Average total assets | $438,980,250 | 1,605 |
| Average earning assets | $398,898,250 | 1,636 |
| Average equity | $47,930,500 | 1,664 |
| Average total loans | $235,418,250 | 1,934 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8390% | 1,938 |
| Cost of funding earning assets | 1.3293% | 685 |
| Net interest margin | 3.5097% | 3,568 |
| Noninterest income to average assets | 0.7402% | 1,558 |
| Noninterest expense to average assets | 2.4341% | 3,645 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.0863% | 2,579 |
| Return on assets (ROA) | 1.6370% | 878 |
| Pretax return on assets | 2.1927% | 452 |
| Return on Equity (ROE) | 14.9965% | 759 |
| Retained earnings to average equity (ytd only) | 14.9965% | 172 |
| Net charge-offs to loans | -0.2428% | 5,155 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.2235% | 3,691 |
| Assets per employee ($millions) | 8.0678% | 654 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7550% | 4,589 |
| Loan loss allowance to noncurrent loans | 408.1967% | 1,188 |
| Noncurrent assets plus other real estate owned to assets | 0.2256% | 3,672 |
| Noncurrent loans to loans | 0.1850% | 3,895 |
| Net loans and leases to total assets | 51.6369% | 4,374 |
| Net loans and leases to deposits | 66.0273% | 4,096 |
| Net loans and leases to core deposits | 84.9314% | 3,036 |
| Total domestic deposits to total assets | 78.2054% | 4,354 |
| Equity capital to assets | 11.0324% | 3,010 |
| Core capital (leverage) ratio | 9.2758% | 4,384 |
| Tier 1 risk-based capital ratio | 12.0103% | 4,409 |
| Total risk-based capital ratio | 12.5369% | 4,687 |
| Memoranda: | ||
| Average total assets | $432,612,000 | 1,624 |
| Average earning assets | $393,137,670 | 1,662 |
| Average equity | $47,224,330 | 1,676 |
| Average total loans | $234,771,000 | 1,943 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8372% | 1,800 |
| Cost of funding earning assets | 1.2731% | 720 |
| Net interest margin | 3.5641% | 3,385 |
| Noninterest income to average assets | 0.6851% | 1,664 |
| Noninterest expense to average assets | 2.8424% | 2,436 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.7663% | 3,725 |
| Return on assets (ROA) | 1.6007% | 925 |
| Pretax return on assets | 2.1443% | 492 |
| Return on Equity (ROE) | 14.7744% | 797 |
| Retained earnings to average equity (ytd only) | 14.7744% | 291 |
| Net charge-offs to loans | -0.4934% | 5,268 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4311% | 2,578 |
| Assets per employee ($millions) | 8.0591% | 661 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7426% | 4,681 |
| Loan loss allowance to noncurrent loans | 264.7504% | 1,747 |
| Noncurrent assets plus other real estate owned to assets | 0.2838% | 3,464 |
| Noncurrent loans to loans | 0.2805% | 3,556 |
| Net loans and leases to total assets | 53.7505% | 4,222 |
| Net loans and leases to deposits | 67.6861% | 3,950 |
| Net loans and leases to core deposits | 88.1340% | 2,667 |
| Total domestic deposits to total assets | 79.4115% | 4,268 |
| Equity capital to assets | 10.8931% | 2,959 |
| Core capital (leverage) ratio | 9.1068% | 4,565 |
| Tier 1 risk-based capital ratio | 11.5605% | 4,715 |
| Total risk-based capital ratio | 12.0860% | 4,955 |
| Memoranda: | ||
| Average total assets | $426,815,000 | 1,653 |
| Average earning assets | $388,653,000 | 1,692 |
| Average equity | $46,242,000 | 1,694 |
| Average total loans | $236,721,000 | 1,944 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4221% | 2,692 |
| Cost of funding earning assets | 0.8541% | 1,286 |
| Net interest margin | 3.5680% | 3,489 |
| Noninterest income to average assets | 0.6407% | 2,095 |
| Noninterest expense to average assets | 3.1399% | 1,701 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.5922% | 4,437 |
| Return on assets (ROA) | 0.5373% | 4,575 |
| Pretax return on assets | 0.6996% | 4,416 |
| Return on Equity (ROE) | 5.2326% | 4,407 |
| Retained earnings to average equity (ytd only) | 5.2326% | 2,643 |
| Net charge-offs to loans | -0.0606% | 5,030 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6985% | 1,163 |
| Assets per employee ($millions) | 7.7488% | 724 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6132% | 4,948 |
| Loan loss allowance to noncurrent loans | 130.1786% | 2,973 |
| Noncurrent assets plus other real estate owned to assets | 0.4048% | 2,942 |
| Noncurrent loans to loans | 0.4710% | 2,859 |
| Net loans and leases to total assets | 56.4758% | 4,098 |
| Net loans and leases to deposits | 68.3746% | 3,949 |
| Net loans and leases to core deposits | 88.0311% | 2,752 |
| Total domestic deposits to total assets | 82.5976% | 3,456 |
| Equity capital to assets | 10.7730% | 2,907 |
| Core capital (leverage) ratio | 8.8506% | 4,771 |
| Tier 1 risk-based capital ratio | 11.1656% | 4,880 |
| Total risk-based capital ratio | 11.6189% | 5,131 |
| Memoranda: | ||
| Average total assets | $315,457,800 | 2,064 |
| Average earning assets | $288,955,600 | 2,079 |
| Average equity | $32,393,000 | 2,193 |
| Average total loans | $188,233,400 | 2,263 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9974% | 3,940 |
| Cost of funding earning assets | 0.7650% | 1,509 |
| Net interest margin | 3.2324% | 4,448 |
| Noninterest income to average assets | 0.6268% | 2,179 |
| Noninterest expense to average assets | 3.3812% | 1,148 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.1791% | 5,204 |
| Return on assets (ROA) | 0.1487% | 5,224 |
| Pretax return on assets | 0.1703% | 5,219 |
| Return on Equity (ROE) | 1.4738% | 5,189 |
| Retained earnings to average equity (ytd only) | 1.4738% | 4,734 |
| Net charge-offs to loans | -0.1008% | 5,165 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.1862% | 255 |
| Assets per employee ($millions) | 7.4905% | 780 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6116% | 5,021 |
| Loan loss allowance to noncurrent loans | 135.0091% | 2,943 |
| Noncurrent assets plus other real estate owned to assets | 0.3907% | 3,124 |
| Noncurrent loans to loans | 0.4530% | 3,029 |
| Net loans and leases to total assets | 56.2201% | 4,197 |
| Net loans and leases to deposits | 65.5849% | 4,231 |
| Net loans and leases to core deposits | 81.3658% | 3,375 |
| Total domestic deposits to total assets | 85.7212% | 2,316 |
| Equity capital to assets | 10.2857% | 3,354 |
| Core capital (leverage) ratio | 8.2581% | 5,221 |
| Tier 1 risk-based capital ratio | 11.7903% | 4,608 |
| Total risk-based capital ratio | 12.3046% | 4,910 |
| Memoranda: | ||
| Average total assets | $289,713,250 | 2,220 |
| Average earning assets | $265,264,500 | 2,235 |
| Average equity | $29,221,750 | 2,387 |
| Average total loans | $175,848,500 | 2,378 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1942% | 3,131 |
| Cost of funding earning assets | 0.7857% | 1,198 |
| Net interest margin | 3.4085% | 3,929 |
| Noninterest income to average assets | 0.6944% | 1,888 |
| Noninterest expense to average assets | 2.7496% | 2,844 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.8509% | 3,671 |
| Return on assets (ROA) | 0.8509% | 3,671 |
| Pretax return on assets | 1.0887% | 3,356 |
| Return on Equity (ROE) | 8.5349% | 3,245 |
| Retained earnings to average equity (ytd only) | 8.5349% | 1,391 |
| Net charge-offs to loans | -0.1013% | 5,162 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6361% | 2,062 |
| Assets per employee ($millions) | 6.5936% | 1,135 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9036% | 4,322 |
| Loan loss allowance to noncurrent loans | 127.3053% | 3,032 |
| Noncurrent assets plus other real estate owned to assets | 0.6749% | 2,214 |
| Noncurrent loans to loans | 0.7098% | 2,338 |
| Net loans and leases to total assets | 62.2420% | 3,571 |
| Net loans and leases to deposits | 74.2080% | 3,511 |
| Net loans and leases to core deposits | 80.8074% | 3,344 |
| Total domestic deposits to total assets | 83.8751% | 3,111 |
| Equity capital to assets | 9.8389% | 3,783 |
| Core capital (leverage) ratio | 9.5238% | 4,092 |
| Tier 1 risk-based capital ratio | 12.8096% | 3,999 |
| Total risk-based capital ratio | 13.5776% | 4,172 |
| Memoranda: | ||
| Average total assets | $243,964,000 | 2,539 |
| Average earning assets | $225,027,000 | 2,552 |
| Average equity | $24,323,670 | 2,722 |
| Average total loans | $153,959,670 | 2,622 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0752% | 3,323 |
| Cost of funding earning assets | 0.7537% | 1,171 |
| Net interest margin | 3.3216% | 4,129 |
| Noninterest income to average assets | 0.7064% | 1,796 |
| Noninterest expense to average assets | 2.6809% | 3,094 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.8726% | 3,406 |
| Return on assets (ROA) | 0.8726% | 3,422 |
| Pretax return on assets | 1.0654% | 3,297 |
| Return on Equity (ROE) | 8.6922% | 3,069 |
| Retained earnings to average equity (ytd only) | 8.6922% | 1,582 |
| Net charge-offs to loans | -0.1708% | 5,342 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5617% | 2,256 |
| Assets per employee ($millions) | 6.7971% | 1,047 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8934% | 4,475 |
| Loan loss allowance to noncurrent loans | 123.2517% | 3,085 |
| Noncurrent assets plus other real estate owned to assets | 0.7021% | 2,221 |
| Noncurrent loans to loans | 0.7249% | 2,396 |
| Net loans and leases to total assets | 63.9220% | 3,320 |
| Net loans and leases to deposits | 76.4046% | 3,167 |
| Net loans and leases to core deposits | 83.2516% | 3,034 |
| Total domestic deposits to total assets | 83.6625% | 3,446 |
| Equity capital to assets | 9.9569% | 3,636 |
| Core capital (leverage) ratio | 9.3171% | 4,299 |
| Tier 1 risk-based capital ratio | 12.5686% | 4,199 |
| Total risk-based capital ratio | 13.3368% | 4,390 |
| Memoranda: | ||
| Average total assets | $240,668,000 | 2,578 |
| Average earning assets | $220,256,500 | 2,611 |
| Average equity | $24,159,500 | 2,759 |
| Average total loans | $152,253,000 | 2,660 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0137% | 3,354 |
| Cost of funding earning assets | 0.4586% | 2,691 |
| Net interest margin | 3.5551% | 3,323 |
| Noninterest income to average assets | 0.7591% | 1,739 |
| Noninterest expense to average assets | 3.4066% | 1,184 |
| Loan and lease loss provision to assets | 0.0573% | 3,084 |
| Net operating income to assets | 0.0225% | 5,337 |
| Return on assets (ROA) | 0.0328% | 5,329 |
| Pretax return on assets | 0.5500% | 4,847 |
| Return on Equity (ROE) | 0.2794% | 5,331 |
| Retained earnings to average equity (ytd only) | 0.2794% | 4,914 |
| Net charge-offs to loans | -0.0455% | 5,162 |
| Credit loss provision to net charge-offs | -195.0000% | 4,793 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.2138% | 689 |
| Assets per employee ($millions) | 6.5734% | 1,165 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9163% | 4,386 |
| Loan loss allowance to noncurrent loans | 115.6627% | 3,268 |
| Noncurrent assets plus other real estate owned to assets | 0.7336% | 2,132 |
| Noncurrent loans to loans | 0.7922% | 2,232 |
| Net loans and leases to total assets | 61.4171% | 3,689 |
| Net loans and leases to deposits | 75.9024% | 3,337 |
| Net loans and leases to core deposits | 80.0187% | 3,418 |
| Total domestic deposits to total assets | 80.9158% | 4,139 |
| Equity capital to assets | 10.1229% | 3,569 |
| Core capital (leverage) ratio | 10.3377% | 3,032 |
| Tier 1 risk-based capital ratio | 12.9186% | 3,956 |
| Total risk-based capital ratio | 13.6900% | 4,145 |
| Memoranda: | ||
| Average total assets | $204,190,600 | 2,884 |
| Average earning assets | $186,015,000 | 2,907 |
| Average equity | $23,976,400 | 2,761 |
| Average total loans | $131,780,400 | 2,887 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0433% | 3,204 |
| Cost of funding earning assets | 0.4108% | 3,077 |
| Net interest margin | 3.6325% | 3,035 |
| Noninterest income to average assets | 0.7793% | 1,668 |
| Noninterest expense to average assets | 3.5352% | 939 |
| Loan and lease loss provision to assets | 0.0456% | 3,188 |
| Net operating income to assets | 0.3313% | 5,153 |
| Return on assets (ROA) | 0.3461% | 5,142 |
| Pretax return on assets | 0.5277% | 4,977 |
| Return on Equity (ROE) | 2.8299% | 5,152 |
| Retained earnings to average equity (ytd only) | 2.8299% | 4,219 |
| Net charge-offs to loans | -0.0989% | 5,377 |
| Credit loss provision to net charge-offs | -70.5263% | 4,479 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.5202% | 599 |
| Assets per employee ($millions) | 5.3971% | 2,022 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9415% | 4,372 |
| Loan loss allowance to noncurrent loans | 150.0000% | 2,793 |
| Noncurrent assets plus other real estate owned to assets | 0.6936% | 2,427 |
| Noncurrent loans to loans | 0.6277% | 2,824 |
| Net loans and leases to total assets | 66.4290% | 3,051 |
| Net loans and leases to deposits | 77.6613% | 3,201 |
| Net loans and leases to core deposits | 82.1811% | 3,267 |
| Total domestic deposits to total assets | 85.5367% | 2,503 |
| Equity capital to assets | 11.5928% | 2,285 |
| Core capital (leverage) ratio | 10.2647% | 3,240 |
| Tier 1 risk-based capital ratio | 13.4632% | 3,727 |
| Total risk-based capital ratio | 14.2704% | 3,906 |
| Memoranda: | ||
| Average total assets | $196,078,000 | 2,985 |
| Average earning assets | $178,494,500 | 3,003 |
| Average equity | $23,981,750 | 2,785 |
| Average total loans | $128,055,000 | 2,966 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9350% | 3,432 |
| Cost of funding earning assets | 0.3850% | 3,236 |
| Net interest margin | 3.5500% | 3,210 |
| Noninterest income to average assets | 0.7926% | 1,599 |
| Noninterest expense to average assets | 3.5310% | 966 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.3171% | 5,181 |
| Return on assets (ROA) | 0.3398% | 5,146 |
| Pretax return on assets | 0.5165% | 4,982 |
| Return on Equity (ROE) | 2.7263% | 5,190 |
| Retained earnings to average equity (ytd only) | 2.7263% | 4,074 |
| Net charge-offs to loans | -0.1310% | 5,489 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.9885% | 548 |
| Assets per employee ($millions) | 4.6419% | 2,875 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9166% | 4,573 |
| Loan loss allowance to noncurrent loans | 138.6667% | 2,934 |
| Noncurrent assets plus other real estate owned to assets | 0.7217% | 2,406 |
| Noncurrent loans to loans | 0.6610% | 2,765 |
| Net loans and leases to total assets | 66.0486% | 3,102 |
| Net loans and leases to deposits | 75.1015% | 3,443 |
| Net loans and leases to core deposits | 79.2859% | 3,484 |
| Total domestic deposits to total assets | 87.9458% | 1,481 |
| Equity capital to assets | 11.7765% | 2,094 |
| Core capital (leverage) ratio | 11.2019% | 2,219 |
| Tier 1 risk-based capital ratio | 13.4922% | 3,704 |
| Total risk-based capital ratio | 14.2611% | 3,903 |
| Memoranda: | ||
| Average total assets | $191,275,670 | 3,045 |
| Average earning assets | $173,519,330 | 3,064 |
| Average equity | $23,842,000 | 2,799 |
| Average total loans | $123,689,330 | 3,043 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9389% | 3,245 |
| Cost of funding earning assets | 0.3673% | 3,345 |
| Net interest margin | 3.5717% | 2,997 |
| Noninterest income to average assets | 0.8312% | 1,450 |
| Noninterest expense to average assets | 3.5586% | 962 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.3269% | 5,133 |
| Return on assets (ROA) | 0.3269% | 5,159 |
| Pretax return on assets | 0.4935% | 4,983 |
| Return on Equity (ROE) | 2.5446% | 5,217 |
| Retained earnings to average equity (ytd only) | 2.5446% | 4,123 |
| Net charge-offs to loans | -0.1839% | 5,605 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.8205% | 671 |
| Assets per employee ($millions) | 4.3358% | 3,444 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0143% | 4,198 |
| Loan loss allowance to noncurrent loans | 132.8618% | 3,077 |
| Noncurrent assets plus other real estate owned to assets | 0.7826% | 2,342 |
| Noncurrent loans to loans | 0.7634% | 2,572 |
| Net loans and leases to total assets | 62.4592% | 3,476 |
| Net loans and leases to deposits | 71.6797% | 3,637 |
| Net loans and leases to core deposits | 75.8207% | 3,669 |
| Total domestic deposits to total assets | 87.1366% | 2,143 |
| Equity capital to assets | 12.5211% | 1,514 |
| Core capital (leverage) ratio | 11.8410% | 1,725 |
| Tier 1 risk-based capital ratio | 14.0751% | 3,428 |
| Total risk-based capital ratio | 14.8685% | 3,617 |
| Memoranda: | ||
| Average total assets | $184,791,000 | 3,139 |
| Average earning assets | $166,643,500 | 3,181 |
| Average equity | $23,736,500 | 2,819 |
| Average total loans | $117,459,500 | 3,151 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7220% | 4,148 |
| Cost of funding earning assets | 0.1924% | 5,094 |
| Net interest margin | 3.5296% | 3,321 |
| Noninterest income to average assets | 0.8615% | 1,535 |
| Noninterest expense to average assets | 4.1032% | 530 |
| Loan and lease loss provision to assets | -0.3754% | 5,860 |
| Net operating income to assets | 0.2298% | 5,354 |
| Return on assets (ROA) | 0.1889% | 5,488 |
| Pretax return on assets | 0.2695% | 5,404 |
| Return on Equity (ROE) | 1.3115% | 5,515 |
| Retained earnings to average equity (ytd only) | 1.3115% | 4,756 |
| Net charge-offs to loans | -0.4818% | 5,834 |
| Credit loss provision to net charge-offs | 126.5560% | 2,110 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.1683% | 208 |
| Assets per employee ($millions) | 3.8871% | 4,166 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0188% | 4,203 |
| Loan loss allowance to noncurrent loans | 126.5727% | 3,160 |
| Noncurrent assets plus other real estate owned to assets | 0.8367% | 2,253 |
| Noncurrent loans to loans | 0.8049% | 2,505 |
| Net loans and leases to total assets | 63.4060% | 3,426 |
| Net loans and leases to deposits | 73.4675% | 3,570 |
| Net loans and leases to core deposits | 75.4340% | 3,800 |
| Total domestic deposits to total assets | 86.3049% | 2,457 |
| Equity capital to assets | 13.1907% | 1,177 |
| Core capital (leverage) ratio | 12.6879% | 1,258 |
| Tier 1 risk-based capital ratio | 14.6949% | 3,105 |
| Total risk-based capital ratio | 15.4963% | 3,247 |
| Memoranda: | ||
| Average total assets | $162,507,000 | 3,368 |
| Average earning assets | $147,071,600 | 3,402 |
| Average equity | $23,409,000 | 2,858 |
| Average total loans | $100,032,600 | 3,382 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6675% | 4,352 |
| Cost of funding earning assets | 0.1708% | 5,344 |
| Net interest margin | 3.4967% | 3,480 |
| Noninterest income to average assets | 0.8660% | 1,528 |
| Noninterest expense to average assets | 4.1758% | 494 |
| Loan and lease loss provision to assets | -0.5134% | 5,946 |
| Net operating income to assets | 0.2495% | 5,391 |
| Return on assets (ROA) | 0.1936% | 5,537 |
| Pretax return on assets | 0.2769% | 5,481 |
| Return on Equity (ROE) | 1.3125% | 5,599 |
| Retained earnings to average equity (ytd only) | 1.3125% | 4,988 |
| Net charge-offs to loans | -0.6486% | 5,904 |
| Credit loss provision to net charge-offs | 130.0640% | 1,974 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.8945% | 179 |
| Assets per employee ($millions) | 3.6798% | 4,509 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0583% | 4,081 |
| Loan loss allowance to noncurrent loans | 119.4617% | 3,248 |
| Noncurrent assets plus other real estate owned to assets | 0.9511% | 2,181 |
| Noncurrent loans to loans | 0.8859% | 2,489 |
| Net loans and leases to total assets | 66.6321% | 3,015 |
| Net loans and leases to deposits | 78.5134% | 3,134 |
| Net loans and leases to core deposits | 80.8929% | 3,364 |
| Total domestic deposits to total assets | 84.8672% | 2,865 |
| Equity capital to assets | 14.5930% | 846 |
| Core capital (leverage) ratio | 13.3089% | 1,067 |
| Tier 1 risk-based capital ratio | 16.2737% | 2,512 |
| Total risk-based capital ratio | 17.1525% | 2,604 |
| Memoranda: | ||
| Average total assets | $158,431,750 | 3,426 |
| Average earning assets | $142,875,000 | 3,477 |
| Average equity | $23,364,750 | 2,875 |
| Average total loans | $96,405,250 | 3,463 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6585% | 4,417 |
| Cost of funding earning assets | 0.1667% | 5,441 |
| Net interest margin | 3.4917% | 3,514 |
| Noninterest income to average assets | 0.8330% | 1,605 |
| Noninterest expense to average assets | 4.2500% | 464 |
| Loan and lease loss provision to assets | -0.6994% | 6,032 |
| Net operating income to assets | 0.2932% | 5,349 |
| Return on assets (ROA) | 0.2098% | 5,569 |
| Pretax return on assets | 0.3039% | 5,494 |
| Return on Equity (ROE) | 1.4177% | 5,626 |
| Retained earnings to average equity (ytd only) | 1.4177% | 4,812 |
| Net charge-offs to loans | -0.9892% | 5,991 |
| Credit loss provision to net charge-offs | 120.6140% | 1,858 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.9098% | 164 |
| Assets per employee ($millions) | 3.9416% | 4,015 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3064% | 2,747 |
| Loan loss allowance to noncurrent loans | 75.2978% | 4,237 |
| Noncurrent assets plus other real estate owned to assets | 1.3422% | 1,490 |
| Noncurrent loans to loans | 1.7350% | 1,212 |
| Net loans and leases to total assets | 56.1424% | 4,293 |
| Net loans and leases to deposits | 66.0563% | 4,341 |
| Net loans and leases to core deposits | 67.9313% | 4,477 |
| Total domestic deposits to total assets | 84.9918% | 2,886 |
| Equity capital to assets | 14.5218% | 863 |
| Core capital (leverage) ratio | 13.6245% | 941 |
| Tier 1 risk-based capital ratio | 18.1510% | 1,892 |
| Total risk-based capital ratio | 19.1668% | 1,913 |
| Memoranda: | ||
| Average total assets | $157,271,330 | 3,458 |
| Average earning assets | $141,535,000 | 3,514 |
| Average equity | $23,277,000 | 2,891 |
| Average total loans | $92,193,670 | 3,564 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8295% | 3,842 |
| Cost of funding earning assets | 0.1631% | 5,526 |
| Net interest margin | 3.6664% | 2,824 |
| Noninterest income to average assets | 0.8485% | 1,449 |
| Noninterest expense to average assets | 4.1675% | 510 |
| Loan and lease loss provision to assets | -0.6060% | 6,093 |
| Net operating income to assets | 0.4013% | 4,995 |
| Return on assets (ROA) | 0.2347% | 5,529 |
| Pretax return on assets | 0.3456% | 5,412 |
| Return on Equity (ROE) | 1.5702% | 5,599 |
| Retained earnings to average equity (ytd only) | 1.5702% | 4,641 |
| Net charge-offs to loans | -1.9150% | 6,063 |
| Credit loss provision to net charge-offs | 53.1674% | 2,027 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.3727% | 285 |
| Assets per employee ($millions) | 4.1065% | 3,753 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6595% | 1,458 |
| Loan loss allowance to noncurrent loans | 108.2913% | 3,465 |
| Noncurrent assets plus other real estate owned to assets | 1.2567% | 1,729 |
| Noncurrent loans to loans | 1.5325% | 1,521 |
| Net loans and leases to total assets | 57.0369% | 4,145 |
| Net loans and leases to deposits | 67.2878% | 4,124 |
| Net loans and leases to core deposits | 69.3137% | 4,286 |
| Total domestic deposits to total assets | 84.7656% | 3,221 |
| Equity capital to assets | 14.9537% | 703 |
| Core capital (leverage) ratio | 14.2095% | 760 |
| Tier 1 risk-based capital ratio | 19.2555% | 1,671 |
| Total risk-based capital ratio | 20.5154% | 1,635 |
| Memoranda: | ||
| Average total assets | $155,104,500 | 3,503 |
| Average earning assets | $139,757,500 | 3,564 |
| Average equity | $23,181,500 | 2,905 |
| Average total loans | $92,325,500 | 3,566 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2563% | 5,421 |
| Cost of funding earning assets | 0.1851% | 5,398 |
| Net interest margin | 3.0712% | 4,976 |
| Noninterest income to average assets | 1.0072% | 1,164 |
| Noninterest expense to average assets | 3.7287% | 945 |
| Loan and lease loss provision to assets | -0.5413% | 6,129 |
| Net operating income to assets | 0.3908% | 5,081 |
| Return on assets (ROA) | 0.3847% | 5,181 |
| Pretax return on assets | 0.5822% | 4,891 |
| Return on Equity (ROE) | 2.9126% | 5,332 |
| Retained earnings to average equity (ytd only) | 2.9126% | 3,982 |
| Net charge-offs to loans | -0.2500% | 5,991 |
| Credit loss provision to net charge-offs | 433.1797% | 713 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.6742% | 315 |
| Assets per employee ($millions) | 4.4046% | 3,209 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3756% | 2,534 |
| Loan loss allowance to noncurrent loans | 135.3187% | 3,015 |
| Noncurrent assets plus other real estate owned to assets | 0.9931% | 2,213 |
| Noncurrent loans to loans | 1.0165% | 2,307 |
| Net loans and leases to total assets | 60.2286% | 3,803 |
| Net loans and leases to deposits | 71.3077% | 3,785 |
| Net loans and leases to core deposits | 73.1411% | 4,026 |
| Total domestic deposits to total assets | 84.4630% | 3,301 |
| Equity capital to assets | 14.9376% | 678 |
| Core capital (leverage) ratio | 13.4426% | 991 |
| Tier 1 risk-based capital ratio | 17.4209% | 2,148 |
| Total risk-based capital ratio | 18.4779% | 2,165 |
| Memoranda: | ||
| Average total assets | $173,655,000 | 3,248 |
| Average earning assets | $156,712,400 | 3,304 |
| Average equity | $22,934,600 | 2,882 |
| Average total loans | $86,785,800 | 3,655 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0871% | 5,722 |
| Cost of funding earning assets | 0.1908% | 5,453 |
| Net interest margin | 2.8963% | 5,424 |
| Noninterest income to average assets | 1.0164% | 1,151 |
| Noninterest expense to average assets | 3.6079% | 1,106 |
| Loan and lease loss provision to assets | -0.7020% | 6,241 |
| Net operating income to assets | 0.4475% | 4,983 |
| Return on assets (ROA) | 0.4399% | 5,102 |
| Pretax return on assets | 0.7057% | 4,665 |
| Return on Equity (ROE) | 3.4276% | 5,241 |
| Retained earnings to average equity (ytd only) | 3.4276% | 4,033 |
| Net charge-offs to loans | -0.2606% | 6,057 |
| Credit loss provision to net charge-offs | 566.2651% | 594 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.5672% | 308 |
| Assets per employee ($millions) | 4.4038% | 3,162 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3577% | 2,804 |
| Loan loss allowance to noncurrent loans | 97.7987% | 3,723 |
| Noncurrent assets plus other real estate owned to assets | 1.1031% | 2,148 |
| Noncurrent loans to loans | 1.3882% | 1,839 |
| Net loans and leases to total assets | 54.0103% | 4,565 |
| Net loans and leases to deposits | 62.9196% | 4,651 |
| Net loans and leases to core deposits | 64.4504% | 4,794 |
| Total domestic deposits to total assets | 85.8401% | 2,617 |
| Equity capital to assets | 13.6508% | 1,157 |
| Core capital (leverage) ratio | 12.5276% | 1,404 |
| Tier 1 risk-based capital ratio | 17.9764% | 2,032 |
| Total risk-based capital ratio | 19.0281% | 2,060 |
| Memoranda: | ||
| Average total assets | $178,528,500 | 3,214 |
| Average earning assets | $160,707,000 | 3,274 |
| Average equity | $22,911,250 | 2,907 |
| Average total loans | $84,946,250 | 3,732 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0090% | 5,849 |
| Cost of funding earning assets | 0.1950% | 5,486 |
| Net interest margin | 2.8140% | 5,583 |
| Noninterest income to average assets | 0.9042% | 1,429 |
| Noninterest expense to average assets | 3.3107% | 1,669 |
| Loan and lease loss provision to assets | -0.6858% | 6,296 |
| Net operating income to assets | 0.5072% | 4,736 |
| Return on assets (ROA) | 0.4960% | 4,890 |
| Pretax return on assets | 0.7956% | 4,333 |
| Return on Equity (ROE) | 3.9418% | 5,038 |
| Retained earnings to average equity (ytd only) | 3.9418% | 3,501 |
| Net charge-offs to loans | -0.3506% | 6,150 |
| Credit loss provision to net charge-offs | 431.0345% | 702 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.2975% | 430 |
| Assets per employee ($millions) | 4.5672% | 2,876 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8976% | 1,169 |
| Loan loss allowance to noncurrent loans | 114.2645% | 3,392 |
| Noncurrent assets plus other real estate owned to assets | 1.6770% | 1,423 |
| Noncurrent loans to loans | 1.6607% | 1,572 |
| Net loans and leases to total assets | 44.6398% | 5,342 |
| Net loans and leases to deposits | 51.5044% | 5,416 |
| Net loans and leases to core deposits | 53.3756% | 5,462 |
| Total domestic deposits to total assets | 86.6718% | 2,333 |
| Equity capital to assets | 12.9908% | 1,412 |
| Core capital (leverage) ratio | 11.6770% | 1,855 |
| Tier 1 risk-based capital ratio | 19.5727% | 1,649 |
| Total risk-based capital ratio | 20.8378% | 1,614 |
| Memoranda: | ||
| Average total assets | $182,256,000 | 3,190 |
| Average earning assets | $164,106,670 | 3,252 |
| Average equity | $22,933,670 | 2,920 |
| Average total loans | $82,719,000 | 3,804 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9458% | 5,951 |
| Cost of funding earning assets | 0.2041% | 5,474 |
| Net interest margin | 2.7417% | 5,751 |
| Noninterest income to average assets | 1.0677% | 988 |
| Noninterest expense to average assets | 3.2421% | 1,865 |
| Loan and lease loss provision to assets | -0.9765% | 6,382 |
| Net operating income to assets | 0.7991% | 3,266 |
| Return on assets (ROA) | 0.7769% | 3,516 |
| Pretax return on assets | 1.2456% | 2,488 |
| Return on Equity (ROE) | 6.2722% | 3,889 |
| Retained earnings to average equity (ytd only) | 6.2722% | 2,344 |
| Net charge-offs to loans | -0.6176% | 6,268 |
| Credit loss provision to net charge-offs | 348.8372% | 728 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.4321% | 754 |
| Assets per employee ($millions) | 4.4751% | 3,091 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0783% | 952 |
| Loan loss allowance to noncurrent loans | 121.6487% | 3,241 |
| Noncurrent assets plus other real estate owned to assets | 1.6961% | 1,480 |
| Noncurrent loans to loans | 1.7084% | 1,606 |
| Net loans and leases to total assets | 44.6688% | 5,291 |
| Net loans and leases to deposits | 51.4064% | 5,366 |
| Net loans and leases to core deposits | 53.2581% | 5,408 |
| Total domestic deposits to total assets | 86.8934% | 2,431 |
| Equity capital to assets | 12.8468% | 1,485 |
| Core capital (leverage) ratio | 12.1392% | 1,555 |
| Tier 1 risk-based capital ratio | 19.1025% | 1,841 |
| Total risk-based capital ratio | 20.3528% | 1,798 |
| Memoranda: | ||
| Average total assets | $184,324,500 | 3,185 |
| Average earning assets | $166,609,500 | 3,226 |
| Average equity | $22,831,000 | 2,945 |
| Average total loans | $83,553,500 | 3,808 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2293% | 5,797 |
| Cost of funding earning assets | 0.2633% | 5,183 |
| Net interest margin | 2.9660% | 5,518 |
| Noninterest income to average assets | 0.6905% | 2,345 |
| Noninterest expense to average assets | 3.4972% | 1,491 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.4615% | 955 |
| Return on assets (ROA) | 1.6180% | 718 |
| Pretax return on assets | 0.0707% | 6,021 |
| Return on Equity (ROE) | 12.7473% | 1,195 |
| Retained earnings to average equity (ytd only) | 12.7473% | 244 |
| Net charge-offs to loans | 0.6558% | 588 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | -0.2824% | 4,744 |
| Efficiency ratio | 102.5132% | 316 |
| Assets per employee ($millions) | 4.8627% | 2,519 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3616% | 661 |
| Loan loss allowance to noncurrent loans | 64.8458% | 4,662 |
| Noncurrent assets plus other real estate owned to assets | 3.3083% | 576 |
| Noncurrent loans to loans | 3.6418% | 546 |
| Net loans and leases to total assets | 43.9944% | 5,466 |
| Net loans and leases to deposits | 50.2224% | 5,571 |
| Net loans and leases to core deposits | 51.8633% | 5,623 |
| Total domestic deposits to total assets | 87.5991% | 1,979 |
| Equity capital to assets | 11.9517% | 2,049 |
| Core capital (leverage) ratio | 10.8379% | 2,571 |
| Tier 1 risk-based capital ratio | 16.4912% | 2,715 |
| Total risk-based capital ratio | 17.7382% | 2,672 |
| Memoranda: | ||
| Average total assets | $172,625,800 | 3,297 |
| Average earning assets | $158,361,800 | 3,306 |
| Average equity | $21,910,600 | 2,959 |
| Average total loans | $79,901,600 | 3,877 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2968% | 5,780 |
| Cost of funding earning assets | 0.2808% | 5,088 |
| Net interest margin | 3.0160% | 5,472 |
| Noninterest income to average assets | 0.7064% | 2,297 |
| Noninterest expense to average assets | 3.4004% | 1,665 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 2.1207% | 271 |
| Return on assets (ROA) | 2.3345% | 189 |
| Pretax return on assets | 0.2930% | 5,789 |
| Return on Equity (ROE) | 18.0951% | 433 |
| Retained earnings to average equity (ytd only) | 18.0951% | 108 |
| Net charge-offs to loans | 0.7863% | 428 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 0.2160% | 4,421 |
| Efficiency ratio | 97.7242% | 446 |
| Assets per employee ($millions) | 4.9733% | 2,270 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5311% | 622 |
| Loan loss allowance to noncurrent loans | 44.4896% | 5,312 |
| Noncurrent assets plus other real estate owned to assets | 3.6248% | 580 |
| Noncurrent loans to loans | 5.6891% | 267 |
| Net loans and leases to total assets | 43.5080% | 5,561 |
| Net loans and leases to deposits | 49.9725% | 5,648 |
| Net loans and leases to core deposits | 51.8638% | 5,690 |
| Total domestic deposits to total assets | 87.0639% | 2,284 |
| Equity capital to assets | 12.5139% | 1,689 |
| Core capital (leverage) ratio | 11.1376% | 2,363 |
| Tier 1 risk-based capital ratio | 17.4762% | 2,404 |
| Total risk-based capital ratio | 18.7335% | 2,361 |
| Memoranda: | ||
| Average total assets | $168,370,500 | 3,387 |
| Average earning assets | $154,813,750 | 3,386 |
| Average equity | $21,721,750 | 2,980 |
| Average total loans | $78,514,000 | 3,944 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3632% | 5,690 |
| Cost of funding earning assets | 0.3050% | 4,920 |
| Net interest margin | 3.0582% | 5,378 |
| Noninterest income to average assets | 0.7208% | 2,181 |
| Noninterest expense to average assets | 3.2778% | 1,976 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 3.3734% | 74 |
| Return on assets (ROA) | 3.7044% | 69 |
| Pretax return on assets | 0.6006% | 4,954 |
| Return on Equity (ROE) | 28.3934% | 72 |
| Retained earnings to average equity (ytd only) | 28.3934% | 34 |
| Net charge-offs to loans | 1.0271% | 342 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 0.5542% | 4,019 |
| Efficiency ratio | 92.3981% | 739 |
| Assets per employee ($millions) | 4.3669% | 3,146 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7654% | 488 |
| Loan loss allowance to noncurrent loans | 42.1084% | 5,438 |
| Noncurrent assets plus other real estate owned to assets | 4.0809% | 514 |
| Noncurrent loans to loans | 6.5672% | 206 |
| Net loans and leases to total assets | 45.4508% | 5,418 |
| Net loans and leases to deposits | 53.0233% | 5,421 |
| Net loans and leases to core deposits | 55.7636% | 5,431 |
| Total domestic deposits to total assets | 85.7185% | 3,185 |
| Equity capital to assets | 13.9368% | 995 |
| Core capital (leverage) ratio | 12.6292% | 1,324 |
| Tier 1 risk-based capital ratio | 18.1814% | 2,174 |
| Total risk-based capital ratio | 19.4391% | 2,141 |
| Memoranda: | ||
| Average total assets | $163,156,670 | 3,488 |
| Average earning assets | $150,807,330 | 3,472 |
| Average equity | $21,286,670 | 3,026 |
| Average total loans | $77,305,670 | 3,993 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4982% | 5,431 |
| Cost of funding earning assets | 0.3118% | 4,952 |
| Net interest margin | 3.1864% | 4,965 |
| Noninterest income to average assets | 0.6973% | 2,183 |
| Noninterest expense to average assets | 3.1701% | 2,325 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.6009% | 4,198 |
| Return on assets (ROA) | 0.6009% | 4,274 |
| Pretax return on assets | 0.5094% | 5,141 |
| Return on Equity (ROE) | 4.7725% | 4,653 |
| Retained earnings to average equity (ytd only) | 4.7725% | 3,250 |
| Net charge-offs to loans | -0.4302% | 6,529 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.1559% | 1,434 |
| Assets per employee ($millions) | 4.2825% | 3,377 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4153% | 286 |
| Loan loss allowance to noncurrent loans | 61.4179% | 4,793 |
| Noncurrent assets plus other real estate owned to assets | 3.6347% | 706 |
| Noncurrent loans to loans | 5.5608% | 354 |
| Net loans and leases to total assets | 45.6165% | 5,370 |
| Net loans and leases to deposits | 53.3352% | 5,345 |
| Net loans and leases to core deposits | 55.3370% | 5,409 |
| Total domestic deposits to total assets | 85.5280% | 3,597 |
| Equity capital to assets | 12.5959% | 1,526 |
| Core capital (leverage) ratio | 12.5503% | 1,365 |
| Tier 1 risk-based capital ratio | 15.8313% | 3,256 |
| Total risk-based capital ratio | 17.0908% | 3,210 |
| Memoranda: | ||
| Average total assets | $161,764,000 | 3,536 |
| Average earning assets | $151,394,000 | 3,481 |
| Average equity | $20,366,500 | 3,129 |
| Average total loans | $77,175,000 | 4,023 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7399% | 5,005 |
| Cost of funding earning assets | 0.4054% | 4,588 |
| Net interest margin | 3.3345% | 4,533 |
| Noninterest income to average assets | 1.1054% | 1,150 |
| Noninterest expense to average assets | 3.2851% | 2,182 |
| Loan and lease loss provision to assets | -0.7439% | 6,777 |
| Net operating income to assets | 1.8537% | 436 |
| Return on assets (ROA) | 2.1785% | 253 |
| Pretax return on assets | 2.0403% | 437 |
| Return on Equity (ROE) | 18.2568% | 388 |
| Retained earnings to average equity (ytd only) | 18.2568% | 103 |
| Net charge-offs to loans | -0.3007% | 6,674 |
| Credit loss provision to net charge-offs | 510.6383% | 456 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1774% | 2,594 |
| Assets per employee ($millions) | 4.4665% | 2,960 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2804% | 341 |
| Loan loss allowance to noncurrent loans | 88.5097% | 3,923 |
| Noncurrent assets plus other real estate owned to assets | 2.8067% | 1,162 |
| Noncurrent loans to loans | 3.7062% | 814 |
| Net loans and leases to total assets | 46.6121% | 5,434 |
| Net loans and leases to deposits | 54.5433% | 5,423 |
| Net loans and leases to core deposits | 58.4931% | 5,350 |
| Total domestic deposits to total assets | 85.4589% | 3,524 |
| Equity capital to assets | 12.5845% | 1,472 |
| Core capital (leverage) ratio | 12.5002% | 1,363 |
| Tier 1 risk-based capital ratio | 16.1871% | 3,011 |
| Total risk-based capital ratio | 17.4467% | 2,963 |
| Memoranda: | ||
| Average total assets | $161,302,800 | 3,542 |
| Average earning assets | $152,436,600 | 3,463 |
| Average equity | $19,247,600 | 3,252 |
| Average total loans | $78,154,600 | 3,998 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8041% | 4,839 |
| Cost of funding earning assets | 0.4353% | 4,448 |
| Net interest margin | 3.3688% | 4,401 |
| Noninterest income to average assets | 1.1563% | 1,097 |
| Noninterest expense to average assets | 3.0873% | 2,700 |
| Loan and lease loss provision to assets | -0.9911% | 6,873 |
| Net operating income to assets | 2.6463% | 151 |
| Return on assets (ROA) | 2.9395% | 118 |
| Pretax return on assets | 2.5298% | 234 |
| Return on Equity (ROE) | 24.9738% | 118 |
| Retained earnings to average equity (ytd only) | 24.9738% | 48 |
| Net charge-offs to loans | 0.1634% | 2,923 |
| Credit loss provision to net charge-offs | -1,250.0000% | 6,218 |
| Earnings coverage of net charge-offs (x) | 15.7080% | 1,843 |
| Efficiency ratio | 71.2543% | 3,560 |
| Assets per employee ($millions) | 4.4439% | 2,973 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9728% | 567 |
| Loan loss allowance to noncurrent loans | 76.8776% | 4,168 |
| Noncurrent assets plus other real estate owned to assets | 3.4029% | 1,010 |
| Noncurrent loans to loans | 3.8669% | 927 |
| Net loans and leases to total assets | 45.1078% | 5,621 |
| Net loans and leases to deposits | 52.8129% | 5,640 |
| Net loans and leases to core deposits | 56.6669% | 5,564 |
| Total domestic deposits to total assets | 85.4106% | 3,535 |
| Equity capital to assets | 12.7167% | 1,468 |
| Core capital (leverage) ratio | 12.5664% | 1,384 |
| Tier 1 risk-based capital ratio | 15.9796% | 3,205 |
| Total risk-based capital ratio | 17.2339% | 3,159 |
| Memoranda: | ||
| Average total assets | $161,430,250 | 3,574 |
| Average earning assets | $152,217,250 | 3,497 |
| Average equity | $19,000,750 | 3,313 |
| Average total loans | $78,320,500 | 4,018 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8744% | 4,574 |
| Cost of funding earning assets | 0.4756% | 4,140 |
| Net interest margin | 3.3988% | 4,186 |
| Noninterest income to average assets | 1.7812% | 529 |
| Noninterest expense to average assets | 3.2659% | 2,170 |
| Loan and lease loss provision to assets | -1.4823% | 6,928 |
| Net operating income to assets | 3.7909% | 71 |
| Return on assets (ROA) | 4.0799% | 62 |
| Pretax return on assets | 3.4907% | 107 |
| Return on Equity (ROE) | 35.6061% | 41 |
| Retained earnings to average equity (ytd only) | 35.6061% | 19 |
| Net charge-offs to loans | 0.4646% | 1,420 |
| Credit loss provision to net charge-offs | -648.6486% | 5,959 |
| Earnings coverage of net charge-offs (x) | 7.5243% | 2,537 |
| Efficiency ratio | 65.5104% | 4,630 |
| Assets per employee ($millions) | 4.5693% | 2,699 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7704% | 734 |
| Loan loss allowance to noncurrent loans | 71.9078% | 4,329 |
| Noncurrent assets plus other real estate owned to assets | 3.4250% | 1,132 |
| Noncurrent loans to loans | 3.8527% | 1,043 |
| Net loans and leases to total assets | 45.2737% | 5,609 |
| Net loans and leases to deposits | 54.7656% | 5,452 |
| Net loans and leases to core deposits | 59.3051% | 5,318 |
| Total domestic deposits to total assets | 82.6682% | 4,824 |
| Equity capital to assets | 12.2320% | 1,754 |
| Core capital (leverage) ratio | 11.9039% | 1,670 |
| Tier 1 risk-based capital ratio | 15.1572% | 3,674 |
| Total risk-based capital ratio | 16.4110% | 3,639 |
| Memoranda: | ||
| Average total assets | $161,914,000 | 3,582 |
| Average earning assets | $152,643,000 | 3,502 |
| Average equity | $18,553,000 | 3,391 |
| Average total loans | $79,636,000 | 3,991 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0078% | 4,089 |
| Cost of funding earning assets | 0.4868% | 4,214 |
| Net interest margin | 3.5210% | 3,614 |
| Noninterest income to average assets | 1.4792% | 706 |
| Noninterest expense to average assets | 3.1403% | 2,544 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 2.9510% | 109 |
| Return on assets (ROA) | 3.5038% | 85 |
| Pretax return on assets | 2.2064% | 419 |
| Return on Equity (ROE) | 31.6731% | 63 |
| Retained earnings to average equity (ytd only) | 31.6731% | 38 |
| Net charge-offs to loans | 0.0936% | 2,912 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 34.9474% | 882 |
| Efficiency ratio | 65.5065% | 4,744 |
| Assets per employee ($millions) | 4.5530% | 2,881 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3227% | 222 |
| Loan loss allowance to noncurrent loans | 89.7119% | 3,637 |
| Noncurrent assets plus other real estate owned to assets | 4.0632% | 972 |
| Noncurrent loans to loans | 4.8184% | 807 |
| Net loans and leases to total assets | 47.1011% | 5,323 |
| Net loans and leases to deposits | 57.2693% | 5,109 |
| Net loans and leases to core deposits | 62.1767% | 4,939 |
| Total domestic deposits to total assets | 82.2450% | 5,115 |
| Equity capital to assets | 11.2398% | 2,688 |
| Core capital (leverage) ratio | 11.0739% | 2,201 |
| Tier 1 risk-based capital ratio | 14.3595% | 4,261 |
| Total risk-based capital ratio | 15.6190% | 4,225 |
| Memoranda: | ||
| Average total assets | $160,623,500 | 3,634 |
| Average earning assets | $151,205,000 | 3,572 |
| Average equity | $17,769,000 | 3,556 |
| Average total loans | $81,156,500 | 3,984 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3604% | 3,984 |
| Cost of funding earning assets | 0.6671% | 3,769 |
| Net interest margin | 3.6933% | 3,675 |
| Noninterest income to average assets | 0.5879% | 3,344 |
| Noninterest expense to average assets | 3.1583% | 2,741 |
| Loan and lease loss provision to assets | 0.2943% | 2,323 |
| Net operating income to assets | 0.8188% | 3,192 |
| Return on assets (ROA) | 1.1138% | 2,066 |
| Pretax return on assets | 0.8483% | 4,117 |
| Return on Equity (ROE) | 11.2794% | 1,722 |
| Retained earnings to average equity (ytd only) | 11.2794% | 408 |
| Net charge-offs to loans | 1.3431% | 711 |
| Credit loss provision to net charge-offs | 40.5286% | 4,928 |
| Earnings coverage of net charge-offs (x) | 1.1674% | 4,878 |
| Efficiency ratio | 78.8406% | 2,301 |
| Assets per employee ($millions) | 4.6276% | 2,738 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2966% | 226 |
| Loan loss allowance to noncurrent loans | 85.5783% | 3,745 |
| Noncurrent assets plus other real estate owned to assets | 4.6937% | 864 |
| Noncurrent loans to loans | 5.0207% | 791 |
| Net loans and leases to total assets | 49.6479% | 5,217 |
| Net loans and leases to deposits | 60.5500% | 4,966 |
| Net loans and leases to core deposits | 66.1392% | 4,724 |
| Total domestic deposits to total assets | 81.9948% | 5,100 |
| Equity capital to assets | 10.8779% | 3,093 |
| Core capital (leverage) ratio | 10.5983% | 2,653 |
| Tier 1 risk-based capital ratio | 13.4724% | 4,769 |
| Total risk-based capital ratio | 14.7426% | 4,712 |
| Memoranda: | ||
| Average total assets | $156,316,800 | 3,678 |
| Average earning assets | $144,665,600 | 3,648 |
| Average equity | $15,435,200 | 3,869 |
| Average total loans | $84,506,800 | 3,893 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4871% | 3,687 |
| Cost of funding earning assets | 0.7190% | 3,605 |
| Net interest margin | 3.7681% | 3,474 |
| Noninterest income to average assets | 0.5861% | 3,377 |
| Noninterest expense to average assets | 3.0842% | 2,928 |
| Loan and lease loss provision to assets | 0.3930% | 1,631 |
| Net operating income to assets | 0.5835% | 4,464 |
| Return on assets (ROA) | 0.8612% | 3,413 |
| Pretax return on assets | 0.8612% | 4,258 |
| Return on Equity (ROE) | 8.9507% | 2,830 |
| Retained earnings to average equity (ytd only) | 8.9507% | 1,249 |
| Net charge-offs to loans | 1.5894% | 527 |
| Credit loss provision to net charge-offs | 45.2756% | 4,509 |
| Earnings coverage of net charge-offs (x) | 1.1250% | 4,734 |
| Efficiency ratio | 75.9520% | 2,690 |
| Assets per employee ($millions) | 4.8329% | 2,398 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4583% | 215 |
| Loan loss allowance to noncurrent loans | 87.6904% | 3,599 |
| Noncurrent assets plus other real estate owned to assets | 5.1252% | 860 |
| Noncurrent loans to loans | 5.0842% | 882 |
| Net loans and leases to total assets | 48.7225% | 5,460 |
| Net loans and leases to deposits | 59.3476% | 5,277 |
| Net loans and leases to core deposits | 64.1162% | 5,135 |
| Total domestic deposits to total assets | 82.0967% | 4,982 |
| Equity capital to assets | 10.2693% | 4,109 |
| Core capital (leverage) ratio | 9.9655% | 3,591 |
| Tier 1 risk-based capital ratio | 13.8445% | 4,661 |
| Total risk-based capital ratio | 15.1188% | 4,590 |
| Memoranda: | ||
| Average total assets | $156,061,500 | 3,723 |
| Average earning assets | $143,905,500 | 3,693 |
| Average equity | $15,015,250 | 3,999 |
| Average total loans | $85,228,000 | 3,910 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5963% | 3,378 |
| Cost of funding earning assets | 0.7586% | 3,533 |
| Net interest margin | 3.8377% | 3,188 |
| Noninterest income to average assets | 0.5977% | 3,269 |
| Noninterest expense to average assets | 3.0390% | 3,128 |
| Loan and lease loss provision to assets | 0.4932% | 1,290 |
| Net operating income to assets | 0.5990% | 4,374 |
| Return on assets (ROA) | 0.6106% | 4,577 |
| Pretax return on assets | 0.6106% | 5,099 |
| Return on Equity (ROE) | 6.4968% | 4,049 |
| Retained earnings to average equity (ytd only) | 6.4968% | 2,384 |
| Net charge-offs to loans | 2.1843% | 359 |
| Credit loss provision to net charge-offs | 40.4233% | 4,249 |
| Earnings coverage of net charge-offs (x) | 0.8952% | 4,595 |
| Efficiency ratio | 73.5625% | 3,152 |
| Assets per employee ($millions) | 4.4775% | 2,945 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3789% | 257 |
| Loan loss allowance to noncurrent loans | 79.9249% | 3,797 |
| Noncurrent assets plus other real estate owned to assets | 5.9252% | 725 |
| Noncurrent loans to loans | 5.4788% | 852 |
| Net loans and leases to total assets | 53.4841% | 4,881 |
| Net loans and leases to deposits | 68.4667% | 4,125 |
| Net loans and leases to core deposits | 75.5098% | 3,816 |
| Total domestic deposits to total assets | 78.1169% | 6,140 |
| Equity capital to assets | 10.2695% | 3,973 |
| Core capital (leverage) ratio | 9.9024% | 3,571 |
| Tier 1 risk-based capital ratio | 12.3789% | 5,663 |
| Total risk-based capital ratio | 13.6498% | 5,633 |
| Memoranda: | ||
| Average total assets | $154,920,330 | 3,752 |
| Average earning assets | $142,637,670 | 3,742 |
| Average equity | $14,561,000 | 4,078 |
| Average total loans | $86,527,000 | 3,892 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4939% | 3,936 |
| Cost of funding earning assets | 0.7882% | 3,560 |
| Net interest margin | 3.7057% | 3,799 |
| Noninterest income to average assets | 0.5931% | 3,279 |
| Noninterest expense to average assets | 3.0915% | 2,942 |
| Loan and lease loss provision to assets | 0.3912% | 1,615 |
| Net operating income to assets | 0.5274% | 4,701 |
| Return on assets (ROA) | 0.5274% | 4,912 |
| Pretax return on assets | 0.5274% | 5,343 |
| Return on Equity (ROE) | 5.8648% | 4,362 |
| Retained earnings to average equity (ytd only) | 5.8648% | 3,032 |
| Net charge-offs to loans | 3.9517% | 146 |
| Credit loss provision to net charge-offs | 17.7346% | 3,808 |
| Earnings coverage of net charge-offs (x) | 0.4165% | 4,147 |
| Efficiency ratio | 77.0925% | 2,634 |
| Assets per employee ($millions) | 4.6254% | 2,766 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0323% | 360 |
| Loan loss allowance to noncurrent loans | 76.3448% | 3,801 |
| Noncurrent assets plus other real estate owned to assets | 5.4130% | 921 |
| Noncurrent loans to loans | 5.2817% | 1,035 |
| Net loans and leases to total assets | 50.9102% | 5,180 |
| Net loans and leases to deposits | 62.9155% | 4,781 |
| Net loans and leases to core deposits | 69.0407% | 4,557 |
| Total domestic deposits to total assets | 80.9184% | 5,628 |
| Equity capital to assets | 9.2835% | 5,112 |
| Core capital (leverage) ratio | 9.2860% | 4,385 |
| Tier 1 risk-based capital ratio | 11.7602% | 6,118 |
| Total risk-based capital ratio | 13.0287% | 6,086 |
| Memoranda: | ||
| Average total assets | $158,501,500 | 3,713 |
| Average earning assets | $146,153,000 | 3,698 |
| Average equity | $14,254,500 | 4,145 |
| Average total loans | $88,467,500 | 3,869 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2603% | 5,885 |
| Cost of funding earning assets | 0.9131% | 4,029 |
| Net interest margin | 3.3472% | 5,657 |
| Noninterest income to average assets | 0.3919% | 4,684 |
| Noninterest expense to average assets | 3.1266% | 3,108 |
| Loan and lease loss provision to assets | 3.1981% | 106 |
| Net operating income to assets | -4.8849% | 7,298 |
| Return on assets (ROA) | -4.7743% | 7,299 |
| Pretax return on assets | -2.7436% | 7,156 |
| Return on Equity (ROE) | -43.4821% | 7,176 |
| Retained earnings to average equity (ytd only) | -43.4821% | 7,173 |
| Net charge-offs to loans | 6.0650% | 45 |
| Credit loss provision to net charge-offs | 90.9868% | 3,968 |
| Earnings coverage of net charge-offs (x) | 0.0978% | 5,759 |
| Efficiency ratio | 90.0918% | 1,186 |
| Assets per employee ($millions) | 4.5622% | 2,810 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5929% | 241 |
| Loan loss allowance to noncurrent loans | 55.4274% | 4,734 |
| Noncurrent assets plus other real estate owned to assets | 6.7963% | 680 |
| Noncurrent loans to loans | 8.2863% | 474 |
| Net loans and leases to total assets | 56.0053% | 4,707 |
| Net loans and leases to deposits | 69.2743% | 4,233 |
| Net loans and leases to core deposits | 77.3082% | 3,779 |
| Total domestic deposits to total assets | 80.8457% | 5,495 |
| Equity capital to assets | 8.6904% | 5,912 |
| Core capital (leverage) ratio | 9.2034% | 4,460 |
| Tier 1 risk-based capital ratio | 12.0470% | 5,806 |
| Total risk-based capital ratio | 13.3287% | 5,760 |
| Memoranda: | ||
| Average total assets | $166,349,200 | 3,550 |
| Average earning assets | $152,992,800 | 3,531 |
| Average equity | $18,265,000 | 3,391 |
| Average total loans | $96,405,000 | 3,720 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1541% | 6,305 |
| Cost of funding earning assets | 0.9265% | 4,224 |
| Net interest margin | 3.2276% | 6,089 |
| Noninterest income to average assets | 0.5975% | 3,175 |
| Noninterest expense to average assets | 2.9061% | 3,907 |
| Loan and lease loss provision to assets | 3.1213% | 102 |
| Net operating income to assets | -2.4671% | 7,204 |
| Return on assets (ROA) | -2.3528% | 7,198 |
| Pretax return on assets | -2.3528% | 7,180 |
| Return on Equity (ROE) | -20.4504% | 7,101 |
| Retained earnings to average equity (ytd only) | -20.4504% | 7,087 |
| Net charge-offs to loans | 5.0744% | 93 |
| Credit loss provision to net charge-offs | 106.4516% | 3,110 |
| Earnings coverage of net charge-offs (x) | 0.2231% | 5,430 |
| Efficiency ratio | 81.6250% | 2,026 |
| Assets per employee ($millions) | 4.8167% | 2,444 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2686% | 153 |
| Loan loss allowance to noncurrent loans | 47.4542% | 5,164 |
| Noncurrent assets plus other real estate owned to assets | 8.6281% | 472 |
| Noncurrent loans to loans | 11.1026% | 284 |
| Net loans and leases to total assets | 54.3354% | 5,124 |
| Net loans and leases to deposits | 68.9350% | 4,458 |
| Net loans and leases to core deposits | 76.6879% | 4,099 |
| Total domestic deposits to total assets | 78.8213% | 6,023 |
| Equity capital to assets | 10.9057% | 3,234 |
| Core capital (leverage) ratio | 9.2003% | 4,629 |
| Tier 1 risk-based capital ratio | 11.8482% | 6,006 |
| Total risk-based capital ratio | 13.1330% | 5,953 |
| Memoranda: | ||
| Average total assets | $169,158,000 | 3,532 |
| Average earning assets | $155,279,250 | 3,513 |
| Average equity | $19,461,250 | 3,222 |
| Average total loans | $97,742,750 | 3,709 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0063% | 6,650 |
| Cost of funding earning assets | 0.9368% | 4,415 |
| Net interest margin | 3.0695% | 6,466 |
| Noninterest income to average assets | 0.5920% | 3,186 |
| Noninterest expense to average assets | 2.7270% | 4,717 |
| Loan and lease loss provision to assets | 4.3509% | 61 |
| Net operating income to assets | -3.6454% | 7,372 |
| Return on assets (ROA) | -3.5074% | 7,370 |
| Pretax return on assets | -3.5074% | 7,364 |
| Return on Equity (ROE) | -29.9875% | 7,244 |
| Retained earnings to average equity (ytd only) | -29.9875% | 7,237 |
| Net charge-offs to loans | 5.5165% | 102 |
| Credit loss provision to net charge-offs | 136.1772% | 2,240 |
| Earnings coverage of net charge-offs (x) | 0.2208% | 5,141 |
| Efficiency ratio | 79.4479% | 2,473 |
| Assets per employee ($millions) | 4.9578% | 2,187 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.6851% | 127 |
| Loan loss allowance to noncurrent loans | 35.8663% | 5,913 |
| Noncurrent assets plus other real estate owned to assets | 10.9702% | 314 |
| Noncurrent loans to loans | 15.8509% | 121 |
| Net loans and leases to total assets | 56.0682% | 4,982 |
| Net loans and leases to deposits | 71.2261% | 4,256 |
| Net loans and leases to core deposits | 79.7401% | 3,819 |
| Total domestic deposits to total assets | 78.7187% | 6,147 |
| Equity capital to assets | 11.1642% | 2,800 |
| Core capital (leverage) ratio | 9.0490% | 4,648 |
| Tier 1 risk-based capital ratio | 11.7065% | 6,005 |
| Total risk-based capital ratio | 12.9944% | 5,981 |
| Memoranda: | ||
| Average total assets | $170,954,670 | 3,515 |
| Average earning assets | $158,202,330 | 3,473 |
| Average equity | $19,995,000 | 3,125 |
| Average total loans | $99,012,670 | 3,710 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8216% | 6,926 |
| Cost of funding earning assets | 0.9660% | 4,456 |
| Net interest margin | 2.8556% | 6,824 |
| Noninterest income to average assets | 0.5600% | 3,435 |
| Noninterest expense to average assets | 2.6791% | 4,920 |
| Loan and lease loss provision to assets | 1.0851% | 677 |
| Net operating income to assets | -0.3435% | 6,699 |
| Return on assets (ROA) | -0.3346% | 6,699 |
| Pretax return on assets | -0.5321% | 6,769 |
| Return on Equity (ROE) | -2.7984% | 6,644 |
| Retained earnings to average equity (ytd only) | -2.7984% | 6,263 |
| Net charge-offs to loans | 1.9469% | 657 |
| Credit loss provision to net charge-offs | 97.4948% | 2,801 |
| Earnings coverage of net charge-offs (x) | 0.4843% | 4,257 |
| Efficiency ratio | 83.2491% | 2,048 |
| Assets per employee ($millions) | 5.0869% | 2,040 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7921% | 228 |
| Loan loss allowance to noncurrent loans | 30.8101% | 6,250 |
| Noncurrent assets plus other real estate owned to assets | 9.7690% | 430 |
| Noncurrent loans to loans | 15.5536% | 137 |
| Net loans and leases to total assets | 53.9553% | 5,308 |
| Net loans and leases to deposits | 69.1216% | 4,510 |
| Net loans and leases to core deposits | 78.9768% | 3,893 |
| Total domestic deposits to total assets | 78.0586% | 6,369 |
| Equity capital to assets | 11.8845% | 1,989 |
| Core capital (leverage) ratio | 10.4735% | 2,646 |
| Tier 1 risk-based capital ratio | 13.4253% | 4,478 |
| Total risk-based capital ratio | 14.7038% | 4,437 |
| Memoranda: | ||
| Average total assets | $172,149,000 | 3,516 |
| Average earning assets | $160,249,000 | 3,460 |
| Average equity | $20,583,000 | 3,042 |
| Average total loans | $98,414,500 | 3,760 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3212% | 6,747 |
| Cost of funding earning assets | 1.1881% | 4,632 |
| Net interest margin | 3.1331% | 6,431 |
| Noninterest income to average assets | 0.4187% | 4,754 |
| Noninterest expense to average assets | 3.0685% | 3,597 |
| Loan and lease loss provision to assets | 3.2040% | 273 |
| Net operating income to assets | -1.8511% | 7,014 |
| Return on assets (ROA) | -1.0418% | 6,739 |
| Pretax return on assets | -1.6603% | 6,916 |
| Return on Equity (ROE) | -9.2533% | 6,693 |
| Retained earnings to average equity (ytd only) | -9.2533% | 6,615 |
| Net charge-offs to loans | 4.5443% | 238 |
| Credit loss provision to net charge-offs | 122.2661% | 3,419 |
| Earnings coverage of net charge-offs (x) | 0.1065% | 6,014 |
| Efficiency ratio | 91.6624% | 1,204 |
| Assets per employee ($millions) | 5.0395% | 2,099 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7656% | 227 |
| Loan loss allowance to noncurrent loans | 39.6047% | 5,662 |
| Noncurrent assets plus other real estate owned to assets | 6.9393% | 793 |
| Noncurrent loans to loans | 12.0328% | 291 |
| Net loans and leases to total assets | 54.9217% | 5,500 |
| Net loans and leases to deposits | 70.9876% | 4,684 |
| Net loans and leases to core deposits | 81.8758% | 3,921 |
| Total domestic deposits to total assets | 77.3681% | 6,425 |
| Equity capital to assets | 12.0292% | 1,897 |
| Core capital (leverage) ratio | 10.4322% | 2,631 |
| Tier 1 risk-based capital ratio | 13.8069% | 3,990 |
| Total risk-based capital ratio | 15.0850% | 3,954 |
| Memoranda: | ||
| Average total assets | $174,123,400 | 3,463 |
| Average earning assets | $162,778,000 | 3,397 |
| Average equity | $19,603,800 | 3,204 |
| Average total loans | $100,411,600 | 3,780 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4493% | 6,728 |
| Cost of funding earning assets | 1.2345% | 4,659 |
| Net interest margin | 3.2147% | 6,288 |
| Noninterest income to average assets | 0.3684% | 5,205 |
| Noninterest expense to average assets | 2.8265% | 4,368 |
| Loan and lease loss provision to assets | 2.9157% | 312 |
| Net operating income to assets | -1.5147% | 7,112 |
| Return on assets (ROA) | -0.5400% | 6,675 |
| Pretax return on assets | -0.8519% | 6,774 |
| Return on Equity (ROE) | -4.8779% | 6,643 |
| Retained earnings to average equity (ytd only) | -4.8779% | 6,549 |
| Net charge-offs to loans | 4.5232% | 221 |
| Credit loss provision to net charge-offs | 111.7836% | 3,785 |
| Earnings coverage of net charge-offs (x) | 0.2073% | 5,805 |
| Efficiency ratio | 83.9411% | 1,846 |
| Assets per employee ($millions) | 5.1072% | 2,048 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1666% | 321 |
| Loan loss allowance to noncurrent loans | 37.8488% | 5,811 |
| Noncurrent assets plus other real estate owned to assets | 6.2322% | 937 |
| Noncurrent loans to loans | 11.0085% | 349 |
| Net loans and leases to total assets | 54.2541% | 5,811 |
| Net loans and leases to deposits | 70.0592% | 5,136 |
| Net loans and leases to core deposits | 83.4766% | 4,027 |
| Total domestic deposits to total assets | 77.4403% | 6,381 |
| Equity capital to assets | 11.2666% | 2,728 |
| Core capital (leverage) ratio | 9.8085% | 3,476 |
| Tier 1 risk-based capital ratio | 14.4113% | 3,564 |
| Total risk-based capital ratio | 15.6888% | 3,519 |
| Memoranda: | ||
| Average total assets | $174,818,750 | 3,499 |
| Average earning assets | $163,079,000 | 3,437 |
| Average equity | $19,352,000 | 3,272 |
| Average total loans | $100,811,250 | 3,839 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5191% | 6,662 |
| Cost of funding earning assets | 1.2685% | 4,721 |
| Net interest margin | 3.2506% | 6,169 |
| Noninterest income to average assets | 0.4269% | 4,701 |
| Noninterest expense to average assets | 2.8161% | 4,417 |
| Loan and lease loss provision to assets | 3.0512% | 316 |
| Net operating income to assets | -1.5285% | 7,158 |
| Return on assets (ROA) | -1.2180% | 7,053 |
| Pretax return on assets | -1.9337% | 7,218 |
| Return on Equity (ROE) | -11.0677% | 7,000 |
| Retained earnings to average equity (ytd only) | -11.0677% | 6,955 |
| Net charge-offs to loans | 6.8847% | 87 |
| Credit loss provision to net charge-offs | 76.3933% | 4,806 |
| Earnings coverage of net charge-offs (x) | 0.1583% | 5,563 |
| Efficiency ratio | 81.6617% | 2,215 |
| Assets per employee ($millions) | 5.0756% | 2,088 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9291% | 883 |
| Loan loss allowance to noncurrent loans | 24.6751% | 6,690 |
| Noncurrent assets plus other real estate owned to assets | 6.7437% | 804 |
| Noncurrent loans to loans | 11.8707% | 295 |
| Net loans and leases to total assets | 53.4845% | 6,050 |
| Net loans and leases to deposits | 68.6862% | 5,461 |
| Net loans and leases to core deposits | 84.0763% | 4,132 |
| Total domestic deposits to total assets | 77.8678% | 6,298 |
| Equity capital to assets | 10.8198% | 3,059 |
| Core capital (leverage) ratio | 8.9919% | 4,615 |
| Tier 1 risk-based capital ratio | 12.1194% | 5,202 |
| Total risk-based capital ratio | 13.3800% | 5,168 |
| Memoranda: | ||
| Average total assets | $175,209,670 | 3,514 |
| Average earning assets | $162,863,330 | 3,465 |
| Average equity | $19,281,330 | 3,270 |
| Average total loans | $101,646,330 | 3,841 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7050% | 6,225 |
| Cost of funding earning assets | 1.2992% | 4,819 |
| Net interest margin | 3.4058% | 5,559 |
| Noninterest income to average assets | 0.2598% | 6,071 |
| Noninterest expense to average assets | 2.6898% | 4,955 |
| Loan and lease loss provision to assets | 1.4300% | 828 |
| Net operating income to assets | -0.4506% | 6,801 |
| Return on assets (ROA) | -0.1563% | 6,563 |
| Pretax return on assets | -0.2483% | 6,598 |
| Return on Equity (ROE) | -1.4085% | 6,568 |
| Retained earnings to average equity (ytd only) | -1.4085% | 6,108 |
| Net charge-offs to loans | -0.3748% | 7,774 |
| Credit loss provision to net charge-offs | -641.2371% | 6,314 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.8410% | 2,753 |
| Assets per employee ($millions) | 5.2523% | 1,911 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3520% | 280 |
| Loan loss allowance to noncurrent loans | 57.5453% | 4,502 |
| Noncurrent assets plus other real estate owned to assets | 4.5325% | 1,490 |
| Noncurrent loans to loans | 7.5628% | 748 |
| Net loans and leases to total assets | 54.2990% | 5,990 |
| Net loans and leases to deposits | 71.0519% | 5,192 |
| Net loans and leases to core deposits | 81.1947% | 4,594 |
| Total domestic deposits to total assets | 76.4215% | 6,675 |
| Equity capital to assets | 10.8250% | 2,931 |
| Core capital (leverage) ratio | 10.0834% | 3,062 |
| Tier 1 risk-based capital ratio | 12.5731% | 4,670 |
| Total risk-based capital ratio | 13.8476% | 4,606 |
| Memoranda: | ||
| Average total assets | $173,991,500 | 3,594 |
| Average earning assets | $161,019,500 | 3,545 |
| Average equity | $19,311,500 | 3,292 |
| Average total loans | $103,529,500 | 3,840 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8235% | 6,897 |
| Cost of funding earning assets | 1.9794% | 3,061 |
| Net interest margin | 2.8441% | 6,987 |
| Noninterest income to average assets | 0.4681% | 4,664 |
| Noninterest expense to average assets | 2.7065% | 5,360 |
| Loan and lease loss provision to assets | 4.0507% | 325 |
| Net operating income to assets | -2.3124% | 7,204 |
| Return on assets (ROA) | -2.0350% | 7,104 |
| Pretax return on assets | -3.2303% | 7,353 |
| Return on Equity (ROE) | -17.2648% | 7,045 |
| Retained earnings to average equity (ytd only) | -17.2648% | 7,000 |
| Net charge-offs to loans | 4.8719% | 280 |
| Credit loss provision to net charge-offs | 134.6808% | 3,683 |
| Earnings coverage of net charge-offs (x) | 0.1286% | 6,032 |
| Efficiency ratio | 87.4931% | 1,929 |
| Assets per employee ($millions) | 4.9825% | 2,239 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4945% | 534 |
| Loan loss allowance to noncurrent loans | 39.6330% | 5,769 |
| Noncurrent assets plus other real estate owned to assets | 5.8865% | 964 |
| Noncurrent loans to loans | 8.8171% | 532 |
| Net loans and leases to total assets | 60.2037% | 5,304 |
| Net loans and leases to deposits | 79.1740% | 4,141 |
| Net loans and leases to core deposits | 110.0871% | 2,883 |
| Total domestic deposits to total assets | 76.0397% | 6,674 |
| Equity capital to assets | 11.3881% | 2,403 |
| Core capital (leverage) ratio | 10.5188% | 2,588 |
| Tier 1 risk-based capital ratio | 12.7525% | 4,323 |
| Total risk-based capital ratio | 14.0198% | 4,248 |
| Memoranda: | ||
| Average total assets | $176,018,600 | 3,505 |
| Average earning assets | $162,477,000 | 3,473 |
| Average equity | $20,747,400 | 3,103 |
| Average total loans | $108,664,400 | 3,725 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0028% | 6,589 |
| Cost of funding earning assets | 2.1450% | 2,680 |
| Net interest margin | 2.8578% | 6,945 |
| Noninterest income to average assets | 0.4608% | 4,815 |
| Noninterest expense to average assets | 2.6775% | 5,420 |
| Loan and lease loss provision to assets | 3.0220% | 483 |
| Net operating income to assets | -1.6446% | 7,173 |
| Return on assets (ROA) | -1.4746% | 7,092 |
| Pretax return on assets | -2.3406% | 7,295 |
| Return on Equity (ROE) | -12.4101% | 7,041 |
| Retained earnings to average equity (ytd only) | -12.4101% | 6,966 |
| Net charge-offs to loans | 4.1214% | 333 |
| Credit loss provision to net charge-offs | 119.0716% | 4,256 |
| Earnings coverage of net charge-offs (x) | 0.1638% | 5,857 |
| Efficiency ratio | 86.5599% | 2,010 |
| Assets per employee ($millions) | 4.9879% | 2,161 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3454% | 1,242 |
| Loan loss allowance to noncurrent loans | 44.0028% | 5,382 |
| Noncurrent assets plus other real estate owned to assets | 3.6884% | 1,767 |
| Noncurrent loans to loans | 5.3302% | 1,197 |
| Net loans and leases to total assets | 61.4281% | 5,340 |
| Net loans and leases to deposits | 82.4142% | 3,936 |
| Net loans and leases to core deposits | 113.7556% | 2,856 |
| Total domestic deposits to total assets | 74.5358% | 6,859 |
| Equity capital to assets | 12.4031% | 2,003 |
| Core capital (leverage) ratio | 12.0061% | 1,799 |
| Tier 1 risk-based capital ratio | 16.0160% | 2,622 |
| Total risk-based capital ratio | 17.2741% | 2,551 |
| Memoranda: | ||
| Average total assets | $177,672,000 | 3,498 |
| Average earning assets | $163,663,750 | 3,480 |
| Average equity | $21,111,250 | 3,084 |
| Average total loans | $109,410,250 | 3,742 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9051% | 7,020 |
| Cost of funding earning assets | 2.2117% | 2,738 |
| Net interest margin | 2.6934% | 7,216 |
| Noninterest income to average assets | 0.4424% | 4,913 |
| Noninterest expense to average assets | 2.6934% | 5,409 |
| Loan and lease loss provision to assets | 3.9553% | 317 |
| Net operating income to assets | -2.3139% | 7,518 |
| Return on assets (ROA) | -2.1933% | 7,476 |
| Pretax return on assets | -3.4818% | 7,674 |
| Return on Equity (ROE) | -18.7160% | 7,472 |
| Retained earnings to average equity (ytd only) | -18.7160% | 7,415 |
| Net charge-offs to loans | 5.9372% | 188 |
| Credit loss provision to net charge-offs | 108.9160% | 4,248 |
| Earnings coverage of net charge-offs (x) | 0.0785% | 5,596 |
| Efficiency ratio | 90.4319% | 1,769 |
| Assets per employee ($millions) | 5.1994% | 1,857 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9676% | 1,641 |
| Loan loss allowance to noncurrent loans | 62.7262% | 4,318 |
| Noncurrent assets plus other real estate owned to assets | 2.2322% | 2,910 |
| Noncurrent loans to loans | 3.1367% | 2,275 |
| Net loans and leases to total assets | 60.5692% | 5,592 |
| Net loans and leases to deposits | 82.0156% | 4,220 |
| Net loans and leases to core deposits | 107.9953% | 3,610 |
| Total domestic deposits to total assets | 73.8508% | 6,969 |
| Equity capital to assets | 11.8024% | 2,323 |
| Core capital (leverage) ratio | 11.9686% | 1,844 |
| Tier 1 risk-based capital ratio | 15.8149% | 2,687 |
| Total risk-based capital ratio | 17.0359% | 2,637 |
| Memoranda: | ||
| Average total assets | $180,367,000 | 3,478 |
| Average earning assets | $169,824,000 | 3,393 |
| Average equity | $21,137,000 | 3,077 |
| Average total loans | $110,321,670 | 3,758 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9887% | 6,954 |
| Cost of funding earning assets | 2.3225% | 2,603 |
| Net interest margin | 2.6662% | 7,274 |
| Noninterest income to average assets | 0.4238% | 5,012 |
| Noninterest expense to average assets | 2.4594% | 5,993 |
| Loan and lease loss provision to assets | 1.4646% | 859 |
| Net operating income to assets | -0.6210% | 6,983 |
| Return on assets (ROA) | -0.3821% | 6,844 |
| Pretax return on assets | -0.6061% | 6,909 |
| Return on Equity (ROE) | -3.2717% | 6,807 |
| Retained earnings to average equity (ytd only) | -3.2717% | 6,326 |
| Net charge-offs to loans | 2.4569% | 577 |
| Credit loss provision to net charge-offs | 97.9442% | 3,842 |
| Earnings coverage of net charge-offs (x) | 0.3245% | 4,719 |
| Efficiency ratio | 83.5198% | 2,351 |
| Assets per employee ($millions) | 5.3342% | 1,713 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6831% | 2,200 |
| Loan loss allowance to noncurrent loans | 50.1088% | 5,192 |
| Noncurrent assets plus other real estate owned to assets | 2.3169% | 2,482 |
| Noncurrent loans to loans | 3.3589% | 1,912 |
| Net loans and leases to total assets | 59.3278% | 5,764 |
| Net loans and leases to deposits | 78.8027% | 4,799 |
| Net loans and leases to core deposits | 104.1627% | 4,122 |
| Total domestic deposits to total assets | 75.2864% | 6,648 |
| Equity capital to assets | 11.7456% | 2,411 |
| Core capital (leverage) ratio | 11.7901% | 2,007 |
| Tier 1 risk-based capital ratio | 17.7287% | 2,117 |
| Total risk-based capital ratio | 18.9822% | 2,066 |
| Memoranda: | ||
| Average total assets | $182,161,500 | 3,473 |
| Average earning assets | $172,228,000 | 3,384 |
| Average equity | $21,273,500 | 3,083 |
| Average total loans | $110,871,500 | 3,772 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9017% | 6,025 |
| Cost of funding earning assets | 2.7499% | 2,926 |
| Net interest margin | 3.1518% | 6,518 |
| Noninterest income to average assets | 0.5362% | 4,347 |
| Noninterest expense to average assets | 2.9478% | 4,264 |
| Loan and lease loss provision to assets | 0.5524% | 2,611 |
| Net operating income to assets | 0.0138% | 6,330 |
| Return on assets (ROA) | 0.0245% | 6,155 |
| Pretax return on assets | 0.0389% | 6,076 |
| Return on Equity (ROE) | 0.1895% | 6,166 |
| Retained earnings to average equity (ytd only) | 0.1895% | 5,117 |
| Net charge-offs to loans | 0.1803% | 4,391 |
| Credit loss provision to net charge-offs | 483.7696% | 909 |
| Earnings coverage of net charge-offs (x) | 5.0314% | 3,774 |
| Efficiency ratio | 83.6897% | 2,093 |
| Assets per employee ($millions) | 4.8148% | 2,162 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6536% | 2,049 |
| Loan loss allowance to noncurrent loans | 55.4991% | 5,199 |
| Noncurrent assets plus other real estate owned to assets | 1.8288% | 2,698 |
| Noncurrent loans to loans | 2.9794% | 1,800 |
| Net loans and leases to total assets | 60.3659% | 5,858 |
| Net loans and leases to deposits | 80.2508% | 5,003 |
| Net loans and leases to core deposits | 113.9476% | 3,346 |
| Total domestic deposits to total assets | 75.2215% | 6,397 |
| Equity capital to assets | 11.6118% | 2,562 |
| Core capital (leverage) ratio | 11.9230% | 2,009 |
| Tier 1 risk-based capital ratio | 17.1777% | 2,256 |
| Total risk-based capital ratio | 18.4308% | 2,208 |
| Memoranda: | ||
| Average total assets | $167,276,000 | 3,592 |
| Average earning assets | $158,479,800 | 3,499 |
| Average equity | $21,630,600 | 3,022 |
| Average total loans | $105,942,400 | 3,796 |