Home > The Bank of Fincastle > Performance and Condition Ratios
The Bank of Fincastle, Performance and Condition Ratios
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7191% | 2,284 |
| Cost of funding earning assets | 0.2966% | 2,805 |
| Net interest margin | 3.4225% | 2,079 |
| Noninterest income to average assets | 0.5154% | 2,561 |
| Noninterest expense to average assets | 4.5952% | 210 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | -0.7568% | 4,887 |
| Return on assets (ROA) | -0.7568% | 4,891 |
| Pretax return on assets | -0.9107% | 4,891 |
| Return on Equity (ROE) | -6.7002% | 4,891 |
| Retained earnings to average equity (ytd only) | -6.7002% | 4,823 |
| Net charge-offs to loans | -0.0942% | 4,610 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 124.7184% | 69 |
| Assets per employee ($millions) | 5.1383% | 3,524 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5645% | 1,374 |
| Loan loss allowance to noncurrent loans | 303.5750% | 1,877 |
| Noncurrent assets plus other real estate owned to assets | 0.4787% | 1,751 |
| Noncurrent loans to loans | 0.5154% | 2,134 |
| Net loans and leases to total assets | 71.9850% | 969 |
| Net loans and leases to deposits | 81.4034% | 1,288 |
| Net loans and leases to core deposits | 83.4191% | 1,610 |
| Total domestic deposits to total assets | 88.4299% | 1,606 |
| Equity capital to assets | 10.9338% | 2,034 |
| Core capital (leverage) ratio | 10.0498% | 2,356 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9532% | 1,131 |
| Memoranda: | ||
| Average total assets | $265,061,000 | 2,649 |
| Average earning assets | $245,436,000 | 2,658 |
| Average equity | $29,939,333 | 2,561 |
| Average total loans | $199,606,667 | 2,278 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7842% | 2,142 |
| Cost of funding earning assets | 0.3178% | 2,817 |
| Net interest margin | 3.4664% | 1,916 |
| Noninterest income to average assets | 0.4409% | 2,868 |
| Noninterest expense to average assets | 3.0167% | 966 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.5242% | 4,127 |
| Return on assets (ROA) | 0.5242% | 4,166 |
| Pretax return on assets | 0.6303% | 4,146 |
| Return on Equity (ROE) | 4.5674% | 4,172 |
| Retained earnings to average equity (ytd only) | 4.5674% | 3,346 |
| Net charge-offs to loans | -0.0377% | 4,282 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.7171% | 659 |
| Assets per employee ($millions) | 4.7728% | 3,863 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4821% | 1,670 |
| Loan loss allowance to noncurrent loans | 277.6536% | 1,870 |
| Noncurrent assets plus other real estate owned to assets | 0.5223% | 1,813 |
| Noncurrent loans to loans | 0.5338% | 2,254 |
| Net loans and leases to total assets | 72.8592% | 914 |
| Net loans and leases to deposits | 82.6950% | 1,278 |
| Net loans and leases to core deposits | 84.6660% | 1,619 |
| Total domestic deposits to total assets | 88.1060% | 1,788 |
| Equity capital to assets | 11.2508% | 1,683 |
| Core capital (leverage) ratio | 10.9180% | 1,768 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0979% | 1,057 |
| Memoranda: | ||
| Average total assets | $263,997,000 | 2,635 |
| Average earning assets | $244,174,000 | 2,653 |
| Average equity | $30,302,000 | 2,522 |
| Average total loans | $201,713,500 | 2,275 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2815% | 1,924 |
| Cost of funding earning assets | 0.4609% | 3,214 |
| Net interest margin | 3.8205% | 1,444 |
| Noninterest income to average assets | 0.5524% | 2,411 |
| Noninterest expense to average assets | 3.2679% | 945 |
| Loan and lease loss provision to assets | 0.1024% | 3,048 |
| Net operating income to assets | 0.5581% | 3,880 |
| Return on assets (ROA) | 0.5581% | 3,977 |
| Pretax return on assets | 0.6777% | 3,933 |
| Return on Equity (ROE) | 4.6934% | 3,976 |
| Retained earnings to average equity (ytd only) | 4.6934% | 2,425 |
| Net charge-offs to loans | -0.1870% | 4,886 |
| Credit loss provision to net charge-offs | -68.6813% | 3,705 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.7303% | 835 |
| Assets per employee ($millions) | 4.0626% | 4,327 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4652% | 1,710 |
| Loan loss allowance to noncurrent loans | 246.5058% | 1,994 |
| Noncurrent assets plus other real estate owned to assets | 0.6963% | 1,496 |
| Noncurrent loans to loans | 0.5944% | 2,210 |
| Net loans and leases to total assets | 77.8563% | 614 |
| Net loans and leases to deposits | 88.8542% | 1,014 |
| Net loans and leases to core deposits | 91.0103% | 1,455 |
| Total domestic deposits to total assets | 87.6226% | 1,645 |
| Equity capital to assets | 11.7198% | 1,722 |
| Core capital (leverage) ratio | 10.8382% | 1,902 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7492% | 1,323 |
| Memoranda: | ||
| Average total assets | $244,223,600 | 2,620 |
| Average earning assets | $223,451,600 | 2,646 |
| Average equity | $29,041,000 | 2,531 |
| Average total loans | $194,657,600 | 2,292 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2119% | 2,371 |
| Cost of funding earning assets | 0.4864% | 3,315 |
| Net interest margin | 3.7255% | 1,856 |
| Noninterest income to average assets | 0.5581% | 2,359 |
| Noninterest expense to average assets | 3.2850% | 926 |
| Loan and lease loss provision to assets | 0.1380% | 2,632 |
| Net operating income to assets | 0.4503% | 4,166 |
| Return on assets (ROA) | 0.4503% | 4,235 |
| Pretax return on assets | 0.5376% | 4,213 |
| Return on Equity (ROE) | 3.7728% | 4,216 |
| Retained earnings to average equity (ytd only) | 3.7728% | 3,156 |
| Net charge-offs to loans | -0.2213% | 4,935 |
| Credit loss provision to net charge-offs | -78.1250% | 3,560 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.9381% | 678 |
| Assets per employee ($millions) | 4.4494% | 3,905 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3426% | 1,990 |
| Loan loss allowance to noncurrent loans | 232.0350% | 1,969 |
| Noncurrent assets plus other real estate owned to assets | 0.7319% | 1,595 |
| Noncurrent loans to loans | 0.5786% | 2,353 |
| Net loans and leases to total assets | 80.3481% | 582 |
| Net loans and leases to deposits | 95.1215% | 833 |
| Net loans and leases to core deposits | 97.2546% | 1,358 |
| Total domestic deposits to total assets | 84.4689% | 2,647 |
| Equity capital to assets | 11.0372% | 2,370 |
| Core capital (leverage) ratio | 10.8311% | 2,003 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2163% | 1,448 |
| Memoranda: | ||
| Average total assets | $241,294,000 | 2,616 |
| Average earning assets | $220,386,500 | 2,650 |
| Average equity | $28,802,250 | 2,541 |
| Average total loans | $192,764,500 | 2,298 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2727% | 2,539 |
| Cost of funding earning assets | 0.5334% | 3,327 |
| Net interest margin | 3.7394% | 2,029 |
| Noninterest income to average assets | 0.5792% | 2,214 |
| Noninterest expense to average assets | 3.5611% | 686 |
| Loan and lease loss provision to assets | 0.1289% | 2,733 |
| Net operating income to assets | 0.2604% | 4,486 |
| Return on assets (ROA) | 0.2604% | 4,530 |
| Pretax return on assets | 0.2930% | 4,547 |
| Return on Equity (ROE) | 2.1203% | 4,508 |
| Retained earnings to average equity (ytd only) | 2.1203% | 3,703 |
| Net charge-offs to loans | -0.2764% | 4,974 |
| Credit loss provision to net charge-offs | -58.8235% | 3,372 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.4067% | 403 |
| Assets per employee ($millions) | 4.0155% | 4,294 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3098% | 1,951 |
| Loan loss allowance to noncurrent loans | 210.2290% | 2,076 |
| Noncurrent assets plus other real estate owned to assets | 0.9424% | 1,296 |
| Noncurrent loans to loans | 0.6230% | 2,300 |
| Net loans and leases to total assets | 82.0278% | 412 |
| Net loans and leases to deposits | 93.4343% | 1,012 |
| Net loans and leases to core deposits | 95.5546% | 1,608 |
| Total domestic deposits to total assets | 87.7919% | 1,289 |
| Equity capital to assets | 11.4634% | 1,995 |
| Core capital (leverage) ratio | 10.5940% | 2,288 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2618% | 1,424 |
| Memoranda: | ||
| Average total assets | $232,738,333 | 2,661 |
| Average earning assets | $211,854,667 | 2,699 |
| Average equity | $28,581,333 | 2,541 |
| Average total loans | $184,547,000 | 2,361 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3946% | 2,637 |
| Cost of funding earning assets | 0.6088% | 3,388 |
| Net interest margin | 3.7858% | 2,033 |
| Noninterest income to average assets | 0.4905% | 2,598 |
| Noninterest expense to average assets | 3.7625% | 652 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.1563% | 4,593 |
| Return on assets (ROA) | 0.1563% | 4,596 |
| Pretax return on assets | 0.1581% | 4,613 |
| Return on Equity (ROE) | 1.2266% | 4,593 |
| Retained earnings to average equity (ytd only) | 1.2266% | 3,686 |
| Net charge-offs to loans | -0.4799% | 5,021 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.9670% | 327 |
| Assets per employee ($millions) | 3.9989% | 3,920 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4790% | 1,416 |
| Loan loss allowance to noncurrent loans | 369.8987% | 1,271 |
| Noncurrent assets plus other real estate owned to assets | 0.8556% | 1,564 |
| Noncurrent loans to loans | 0.3998% | 3,056 |
| Net loans and leases to total assets | 76.0316% | 1,296 |
| Net loans and leases to deposits | 88.1002% | 1,746 |
| Net loans and leases to core deposits | 90.1651% | 2,326 |
| Total domestic deposits to total assets | 86.3013% | 1,874 |
| Equity capital to assets | 12.7551% | 1,586 |
| Core capital (leverage) ratio | 11.8459% | 1,843 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5010% | 1,470 |
| Memoranda: | ||
| Average total assets | $222,618,000 | 2,694 |
| Average earning assets | $201,703,500 | 2,733 |
| Average equity | $28,372,000 | 2,551 |
| Average total loans | $171,687,000 | 2,438 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5007% | 2,938 |
| Cost of funding earning assets | 0.6351% | 3,488 |
| Net interest margin | 3.8656% | 2,289 |
| Noninterest income to average assets | 0.2665% | 4,088 |
| Noninterest expense to average assets | 3.4485% | 1,033 |
| Loan and lease loss provision to assets | -0.0922% | 5,068 |
| Net operating income to assets | 0.9818% | 2,907 |
| Return on assets (ROA) | 0.9818% | 2,987 |
| Pretax return on assets | 0.3906% | 4,728 |
| Return on Equity (ROE) | 8.0828% | 3,133 |
| Retained earnings to average equity (ytd only) | 8.0828% | 949 |
| Net charge-offs to loans | 0.0806% | 1,952 |
| Credit loss provision to net charge-offs | -156.2500% | 4,266 |
| Earnings coverage of net charge-offs (x) | 5.0547% | 3,136 |
| Efficiency ratio | 92.0369% | 292 |
| Assets per employee ($millions) | 3.6278% | 4,348 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3773% | 1,601 |
| Loan loss allowance to noncurrent loans | 186.7250% | 2,196 |
| Noncurrent assets plus other real estate owned to assets | 1.3764% | 767 |
| Noncurrent loans to loans | 0.7376% | 2,036 |
| Net loans and leases to total assets | 76.0085% | 1,416 |
| Net loans and leases to deposits | 88.1641% | 1,822 |
| Net loans and leases to core deposits | 90.4094% | 2,385 |
| Total domestic deposits to total assets | 86.2125% | 1,975 |
| Equity capital to assets | 12.7341% | 1,687 |
| Core capital (leverage) ratio | 11.7177% | 1,948 |
| Tier 1 risk-based capital ratio | 14.9011% | 2,822 |
| Total risk-based capital ratio | 16.1590% | 2,755 |
| Memoranda: | ||
| Average total assets | $216,849,800 | 2,692 |
| Average earning assets | $195,234,400 | 2,749 |
| Average equity | $26,340,000 | 2,607 |
| Average total loans | $158,861,800 | 2,523 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5161% | 3,009 |
| Cost of funding earning assets | 0.6259% | 3,550 |
| Net interest margin | 3.8902% | 2,290 |
| Noninterest income to average assets | 0.4264% | 3,166 |
| Noninterest expense to average assets | 3.3849% | 1,125 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.4493% | 4,623 |
| Return on assets (ROA) | 0.4493% | 4,659 |
| Pretax return on assets | 0.5408% | 4,635 |
| Return on Equity (ROE) | 3.7454% | 4,631 |
| Retained earnings to average equity (ytd only) | 3.7454% | 3,520 |
| Net charge-offs to loans | 0.1129% | 1,349 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 6.6286% | 2,817 |
| Efficiency ratio | 86.2248% | 489 |
| Assets per employee ($millions) | 3.4719% | 4,526 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5786% | 1,038 |
| Loan loss allowance to noncurrent loans | 113.2117% | 3,105 |
| Noncurrent assets plus other real estate owned to assets | 1.9163% | 480 |
| Noncurrent loans to loans | 1.3944% | 1,097 |
| Net loans and leases to total assets | 71.4080% | 2,262 |
| Net loans and leases to deposits | 82.1541% | 2,666 |
| Net loans and leases to core deposits | 84.4470% | 3,052 |
| Total domestic deposits to total assets | 86.9196% | 1,560 |
| Equity capital to assets | 11.8914% | 2,335 |
| Core capital (leverage) ratio | 11.5868% | 2,157 |
| Tier 1 risk-based capital ratio | 14.8227% | 2,940 |
| Total risk-based capital ratio | 16.0829% | 2,860 |
| Memoranda: | ||
| Average total assets | $215,738,500 | 2,716 |
| Average earning assets | $194,057,000 | 2,780 |
| Average equity | $25,880,000 | 2,651 |
| Average total loans | $155,939,250 | 2,586 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4752% | 3,085 |
| Cost of funding earning assets | 0.6025% | 3,639 |
| Net interest margin | 3.8727% | 2,334 |
| Noninterest income to average assets | 0.4279% | 3,081 |
| Noninterest expense to average assets | 3.4441% | 1,035 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.3989% | 4,735 |
| Return on assets (ROA) | 0.3989% | 4,756 |
| Pretax return on assets | 0.4626% | 4,751 |
| Return on Equity (ROE) | 3.3153% | 4,723 |
| Retained earnings to average equity (ytd only) | 3.3153% | 3,569 |
| Net charge-offs to loans | 0.1764% | 927 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 3.6324% | 2,819 |
| Efficiency ratio | 88.1592% | 435 |
| Assets per employee ($millions) | 3.6522% | 4,310 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6136% | 1,001 |
| Loan loss allowance to noncurrent loans | 123.7098% | 2,973 |
| Noncurrent assets plus other real estate owned to assets | 2.0312% | 454 |
| Noncurrent loans to loans | 1.3043% | 1,209 |
| Net loans and leases to total assets | 70.7049% | 2,435 |
| Net loans and leases to deposits | 81.4551% | 2,795 |
| Net loans and leases to core deposits | 83.5360% | 3,149 |
| Total domestic deposits to total assets | 86.8023% | 1,683 |
| Equity capital to assets | 11.9085% | 2,262 |
| Core capital (leverage) ratio | 11.6041% | 2,088 |
| Tier 1 risk-based capital ratio | 15.0371% | 2,826 |
| Total risk-based capital ratio | 16.3004% | 2,739 |
| Memoranda: | ||
| Average total assets | $213,584,000 | 2,747 |
| Average earning assets | $191,855,670 | 2,807 |
| Average equity | $25,699,000 | 2,661 |
| Average total loans | $154,180,670 | 2,617 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4179% | 3,162 |
| Cost of funding earning assets | 0.5607% | 3,783 |
| Net interest margin | 3.8572% | 2,321 |
| Noninterest income to average assets | 0.4079% | 3,135 |
| Noninterest expense to average assets | 3.3869% | 1,135 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.4136% | 4,702 |
| Return on assets (ROA) | 0.4136% | 4,714 |
| Pretax return on assets | 0.4800% | 4,727 |
| Return on Equity (ROE) | 3.4195% | 4,696 |
| Retained earnings to average equity (ytd only) | 3.4195% | 3,549 |
| Net charge-offs to loans | 0.3829% | 407 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 1.7329% | 2,562 |
| Efficiency ratio | 87.5859% | 507 |
| Assets per employee ($millions) | 3.6357% | 4,423 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6543% | 953 |
| Loan loss allowance to noncurrent loans | 116.2609% | 3,120 |
| Noncurrent assets plus other real estate owned to assets | 2.3086% | 367 |
| Noncurrent loans to loans | 1.4229% | 1,140 |
| Net loans and leases to total assets | 70.1444% | 2,455 |
| Net loans and leases to deposits | 80.8877% | 2,742 |
| Net loans and leases to core deposits | 82.7612% | 3,125 |
| Total domestic deposits to total assets | 86.7183% | 1,950 |
| Equity capital to assets | 11.9698% | 2,035 |
| Core capital (leverage) ratio | 11.8904% | 1,835 |
| Tier 1 risk-based capital ratio | 15.1518% | 2,817 |
| Total risk-based capital ratio | 16.4153% | 2,721 |
| Memoranda: | ||
| Average total assets | $210,811,500 | 2,799 |
| Average earning assets | $189,048,000 | 2,863 |
| Average equity | $25,501,000 | 2,681 |
| Average total loans | $152,533,000 | 2,663 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3666% | 2,875 |
| Cost of funding earning assets | 0.4493% | 3,689 |
| Net interest margin | 3.9173% | 2,272 |
| Noninterest income to average assets | 0.4116% | 3,369 |
| Noninterest expense to average assets | 3.2823% | 1,365 |
| Loan and lease loss provision to assets | 0.1079% | 2,039 |
| Net operating income to assets | 0.4297% | 4,811 |
| Return on assets (ROA) | 0.4297% | 4,805 |
| Pretax return on assets | 0.4984% | 4,799 |
| Return on Equity (ROE) | 3.5273% | 4,815 |
| Retained earnings to average equity (ytd only) | 3.5273% | 3,649 |
| Net charge-offs to loans | 0.3507% | 541 |
| Credit loss provision to net charge-offs | 43.0528% | 3,256 |
| Earnings coverage of net charge-offs (x) | 2.4188% | 3,521 |
| Efficiency ratio | 84.4077% | 627 |
| Assets per employee ($millions) | 3.2876% | 4,748 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7604% | 734 |
| Loan loss allowance to noncurrent loans | 88.0882% | 3,610 |
| Noncurrent assets plus other real estate owned to assets | 2.4846% | 312 |
| Noncurrent loans to loans | 1.9984% | 677 |
| Net loans and leases to total assets | 72.1302% | 2,238 |
| Net loans and leases to deposits | 83.4081% | 2,579 |
| Net loans and leases to core deposits | 85.2394% | 2,977 |
| Total domestic deposits to total assets | 86.4787% | 2,028 |
| Equity capital to assets | 12.2279% | 1,743 |
| Core capital (leverage) ratio | 11.8909% | 1,808 |
| Tier 1 risk-based capital ratio | 14.9055% | 2,871 |
| Total risk-based capital ratio | 16.1700% | 2,795 |
| Memoranda: | ||
| Average total assets | $203,853,600 | 2,821 |
| Average earning assets | $180,940,000 | 2,911 |
| Average equity | $24,835,200 | 2,655 |
| Average total loans | $145,714,000 | 2,699 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3420% | 2,816 |
| Cost of funding earning assets | 0.4246% | 3,696 |
| Net interest margin | 3.9174% | 2,232 |
| Noninterest income to average assets | 0.4452% | 3,202 |
| Noninterest expense to average assets | 3.3812% | 1,147 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.4295% | 4,899 |
| Return on assets (ROA) | 0.4295% | 4,907 |
| Pretax return on assets | 0.5293% | 4,857 |
| Return on Equity (ROE) | 3.5285% | 4,920 |
| Retained earnings to average equity (ytd only) | 3.5285% | 4,008 |
| Net charge-offs to loans | -0.0648% | 5,025 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.4652% | 491 |
| Assets per employee ($millions) | 3.2175% | 4,871 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0724% | 428 |
| Loan loss allowance to noncurrent loans | 78.4000% | 3,856 |
| Noncurrent assets plus other real estate owned to assets | 3.4943% | 164 |
| Noncurrent loans to loans | 2.6434% | 470 |
| Net loans and leases to total assets | 70.8197% | 2,527 |
| Net loans and leases to deposits | 82.1951% | 2,793 |
| Net loans and leases to core deposits | 83.8192% | 3,171 |
| Total domestic deposits to total assets | 86.1605% | 2,115 |
| Equity capital to assets | 12.3324% | 1,682 |
| Core capital (leverage) ratio | 12.0587% | 1,754 |
| Tier 1 risk-based capital ratio | 15.2601% | 2,757 |
| Total risk-based capital ratio | 16.5303% | 2,675 |
| Memoranda: | ||
| Average total assets | $203,037,750 | 2,850 |
| Average earning assets | $179,604,250 | 2,949 |
| Average equity | $24,712,500 | 2,677 |
| Average total loans | $144,124,750 | 2,738 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3745% | 2,501 |
| Cost of funding earning assets | 0.4059% | 3,681 |
| Net interest margin | 3.9686% | 1,968 |
| Noninterest income to average assets | 0.4184% | 3,368 |
| Noninterest expense to average assets | 3.4123% | 1,125 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.4105% | 4,938 |
| Return on assets (ROA) | 0.4105% | 4,942 |
| Pretax return on assets | 0.5100% | 4,889 |
| Return on Equity (ROE) | 3.3879% | 4,950 |
| Retained earnings to average equity (ytd only) | 3.3879% | 3,884 |
| Net charge-offs to loans | -0.1605% | 5,286 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.9980% | 521 |
| Assets per employee ($millions) | 3.2888% | 4,830 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1342% | 418 |
| Loan loss allowance to noncurrent loans | 70.7435% | 3,988 |
| Noncurrent assets plus other real estate owned to assets | 4.1328% | 129 |
| Noncurrent loans to loans | 3.0169% | 378 |
| Net loans and leases to total assets | 69.3315% | 2,674 |
| Net loans and leases to deposits | 80.2610% | 2,921 |
| Net loans and leases to core deposits | 81.8110% | 3,262 |
| Total domestic deposits to total assets | 86.3825% | 2,107 |
| Equity capital to assets | 12.1272% | 1,766 |
| Core capital (leverage) ratio | 11.8572% | 1,798 |
| Tier 1 risk-based capital ratio | 15.0640% | 2,843 |
| Total risk-based capital ratio | 16.3342% | 2,756 |
| Memoranda: | ||
| Average total assets | $203,149,670 | 2,873 |
| Average earning assets | $179,357,670 | 2,972 |
| Average equity | $24,617,330 | 2,696 |
| Average total loans | $143,302,670 | 2,761 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3662% | 2,310 |
| Cost of funding earning assets | 0.3902% | 3,661 |
| Net interest margin | 3.9760% | 1,798 |
| Noninterest income to average assets | 0.4419% | 3,165 |
| Noninterest expense to average assets | 3.4758% | 1,043 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.3748% | 4,975 |
| Return on assets (ROA) | 0.3748% | 4,980 |
| Pretax return on assets | 0.4636% | 4,938 |
| Return on Equity (ROE) | 3.0942% | 5,000 |
| Retained earnings to average equity (ytd only) | 3.0942% | 3,969 |
| Net charge-offs to loans | -0.2831% | 5,439 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.2323% | 525 |
| Assets per employee ($millions) | 3.2008% | 5,001 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1248% | 437 |
| Loan loss allowance to noncurrent loans | 90.5310% | 3,642 |
| Noncurrent assets plus other real estate owned to assets | 3.7242% | 184 |
| Noncurrent loans to loans | 2.3470% | 608 |
| Net loans and leases to total assets | 69.0115% | 2,626 |
| Net loans and leases to deposits | 79.8389% | 2,826 |
| Net loans and leases to core deposits | 81.2359% | 3,216 |
| Total domestic deposits to total assets | 86.4384% | 2,344 |
| Equity capital to assets | 12.0146% | 1,774 |
| Core capital (leverage) ratio | 11.9081% | 1,710 |
| Tier 1 risk-based capital ratio | 14.8869% | 2,929 |
| Total risk-based capital ratio | 16.1579% | 2,844 |
| Memoranda: | ||
| Average total assets | $202,771,500 | 2,910 |
| Average earning assets | $178,368,500 | 3,010 |
| Average equity | $24,562,000 | 2,720 |
| Average total loans | $142,727,000 | 2,781 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9671% | 3,515 |
| Cost of funding earning assets | 0.3834% | 3,401 |
| Net interest margin | 3.5836% | 3,228 |
| Noninterest income to average assets | 0.9472% | 1,147 |
| Noninterest expense to average assets | 5.1064% | 208 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | -1.7529% | 5,635 |
| Return on assets (ROA) | -1.7529% | 5,634 |
| Pretax return on assets | -1.0808% | 5,605 |
| Return on Equity (ROE) | -19.5173% | 5,640 |
| Retained earnings to average equity (ytd only) | -19.5173% | 5,616 |
| Net charge-offs to loans | 0.3502% | 728 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | -4.8603% | 4,069 |
| Efficiency ratio | 126.8496% | 48 |
| Assets per employee ($millions) | 3.2913% | 4,944 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0737% | 466 |
| Loan loss allowance to noncurrent loans | 72.2845% | 4,049 |
| Noncurrent assets plus other real estate owned to assets | 4.8458% | 104 |
| Noncurrent loans to loans | 2.8688% | 400 |
| Net loans and leases to total assets | 69.8112% | 2,547 |
| Net loans and leases to deposits | 80.8039% | 2,835 |
| Net loans and leases to core deposits | 82.3105% | 3,224 |
| Total domestic deposits to total assets | 86.3959% | 2,274 |
| Equity capital to assets | 12.2498% | 1,670 |
| Core capital (leverage) ratio | 12.0150% | 1,595 |
| Tier 1 risk-based capital ratio | 15.2853% | 2,706 |
| Total risk-based capital ratio | 16.5582% | 2,635 |
| Memoranda: | ||
| Average total assets | $202,804,400 | 2,900 |
| Average earning assets | $174,208,800 | 3,022 |
| Average equity | $18,214,600 | 3,338 |
| Average total loans | $128,792,400 | 2,930 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8909% | 3,709 |
| Cost of funding earning assets | 0.3824% | 3,353 |
| Net interest margin | 3.5085% | 3,478 |
| Noninterest income to average assets | 0.7155% | 1,935 |
| Noninterest expense to average assets | 5.3893% | 186 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | -1.6821% | 5,701 |
| Return on assets (ROA) | -1.6821% | 5,701 |
| Pretax return on assets | -1.6716% | 5,700 |
| Return on Equity (ROE) | -20.5774% | 5,711 |
| Retained earnings to average equity (ytd only) | -20.5774% | 5,681 |
| Net charge-offs to loans | 0.4781% | 429 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | -5.6771% | 3,758 |
| Efficiency ratio | 144.9638% | 27 |
| Assets per employee ($millions) | 3.4054% | 4,854 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2524% | 375 |
| Loan loss allowance to noncurrent loans | 60.5215% | 4,331 |
| Noncurrent assets plus other real estate owned to assets | 5.9029% | 71 |
| Noncurrent loans to loans | 3.7216% | 283 |
| Net loans and leases to total assets | 64.1726% | 3,372 |
| Net loans and leases to deposits | 75.0766% | 3,463 |
| Net loans and leases to core deposits | 76.9407% | 3,730 |
| Total domestic deposits to total assets | 85.4762% | 2,525 |
| Equity capital to assets | 12.9211% | 1,432 |
| Core capital (leverage) ratio | 11.9867% | 1,693 |
| Tier 1 risk-based capital ratio | 15.6866% | 2,637 |
| Total risk-based capital ratio | 16.9655% | 2,561 |
| Memoranda: | ||
| Average total assets | $203,313,000 | 2,917 |
| Average earning assets | $173,975,500 | 3,050 |
| Average equity | $16,619,750 | 3,555 |
| Average total loans | $125,208,500 | 3,012 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8506% | 3,716 |
| Cost of funding earning assets | 0.3856% | 3,228 |
| Net interest margin | 3.4650% | 3,523 |
| Noninterest income to average assets | 0.0735% | 5,590 |
| Noninterest expense to average assets | 5.4490% | 183 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | -2.4193% | 5,763 |
| Return on assets (ROA) | -2.4193% | 5,762 |
| Pretax return on assets | -2.4085% | 5,761 |
| Return on Equity (ROE) | -36.5615% | 5,771 |
| Retained earnings to average equity (ytd only) | -36.5615% | 5,752 |
| Net charge-offs to loans | 0.2342% | 868 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | -17.0694% | 3,488 |
| Efficiency ratio | 179.2137% | 16 |
| Assets per employee ($millions) | 2.9694% | 5,303 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7120% | 217 |
| Loan loss allowance to noncurrent loans | 89.7780% | 3,750 |
| Noncurrent assets plus other real estate owned to assets | 5.4131% | 89 |
| Noncurrent loans to loans | 3.0208% | 428 |
| Net loans and leases to total assets | 60.8868% | 3,755 |
| Net loans and leases to deposits | 66.2070% | 4,210 |
| Net loans and leases to core deposits | 68.0266% | 4,349 |
| Total domestic deposits to total assets | 91.9643% | 76 |
| Equity capital to assets | 6.5731% | 5,731 |
| Core capital (leverage) ratio | 5.2147% | 5,765 |
| Tier 1 risk-based capital ratio | 7.2073% | 5,768 |
| Total risk-based capital ratio | 8.4912% | 5,768 |
| Memoranda: | ||
| Average total assets | $204,111,000 | 2,920 |
| Average earning assets | $174,777,000 | 3,050 |
| Average equity | $13,506,000 | 3,958 |
| Average total loans | $122,976,000 | 3,049 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8063% | 3,751 |
| Cost of funding earning assets | 0.3813% | 3,195 |
| Net interest margin | 3.4250% | 3,549 |
| Noninterest income to average assets | -0.5189% | 5,852 |
| Noninterest expense to average assets | 7.1564% | 126 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | -4.7334% | 5,846 |
| Return on assets (ROA) | -4.7334% | 5,846 |
| Pretax return on assets | -4.7277% | 5,846 |
| Return on Equity (ROE) | -71.3162% | 5,849 |
| Retained earnings to average equity (ytd only) | -71.3162% | 5,833 |
| Net charge-offs to loans | 0.0097% | 2,639 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | -826.0000% | 2,941 |
| Efficiency ratio | 294.6583% | 8 |
| Assets per employee ($millions) | 3.4342% | 4,878 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7774% | 229 |
| Loan loss allowance to noncurrent loans | 78.8417% | 4,013 |
| Noncurrent assets plus other real estate owned to assets | 5.1282% | 110 |
| Noncurrent loans to loans | 3.5227% | 342 |
| Net loans and leases to total assets | 56.1772% | 4,152 |
| Net loans and leases to deposits | 61.0471% | 4,495 |
| Net loans and leases to core deposits | 63.1628% | 4,586 |
| Total domestic deposits to total assets | 92.0228% | 105 |
| Equity capital to assets | 5.9530% | 5,810 |
| Core capital (leverage) ratio | 4.8783% | 5,834 |
| Tier 1 risk-based capital ratio | 6.9771% | 5,834 |
| Total risk-based capital ratio | 8.2628% | 5,835 |
| Memoranda: | ||
| Average total assets | $209,659,500 | 2,891 |
| Average earning assets | $180,437,000 | 3,029 |
| Average equity | $13,915,500 | 3,935 |
| Average total loans | $124,066,000 | 3,054 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6570% | 4,346 |
| Cost of funding earning assets | 0.3799% | 3,206 |
| Net interest margin | 3.2771% | 4,213 |
| Noninterest income to average assets | -0.1113% | 5,891 |
| Noninterest expense to average assets | 2.9813% | 2,402 |
| Loan and lease loss provision to assets | 3.7679% | 16 |
| Net operating income to assets | -3.2458% | 5,896 |
| Return on assets (ROA) | -3.2458% | 5,896 |
| Pretax return on assets | -4.0282% | 5,903 |
| Return on Equity (ROE) | -35.5888% | 5,896 |
| Retained earnings to average equity (ytd only) | -35.5888% | 5,890 |
| Net charge-offs to loans | 5.4206% | 6 |
| Credit loss provision to net charge-offs | 106.6992% | 2,442 |
| Earnings coverage of net charge-offs (x) | -0.0737% | 4,137 |
| Efficiency ratio | 109.5670% | 129 |
| Assets per employee ($millions) | 3.2747% | 5,075 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7337% | 238 |
| Loan loss allowance to noncurrent loans | 58.1237% | 4,495 |
| Noncurrent assets plus other real estate owned to assets | 5.6639% | 97 |
| Noncurrent loans to loans | 4.7033% | 184 |
| Net loans and leases to total assets | 58.9815% | 3,964 |
| Net loans and leases to deposits | 63.9232% | 4,420 |
| Net loans and leases to core deposits | 66.5116% | 4,492 |
| Total domestic deposits to total assets | 92.2693% | 83 |
| Equity capital to assets | 7.3017% | 5,755 |
| Core capital (leverage) ratio | 5.8229% | 5,866 |
| Tier 1 risk-based capital ratio | 8.4925% | 5,870 |
| Total risk-based capital ratio | 9.7642% | 5,869 |
| Memoranda: | ||
| Average total assets | $214,735,800 | 2,807 |
| Average earning assets | $185,590,800 | 2,945 |
| Average equity | $19,584,800 | 3,209 |
| Average total loans | $139,891,400 | 2,781 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6290% | 4,471 |
| Cost of funding earning assets | 0.3706% | 3,320 |
| Net interest margin | 3.2584% | 4,321 |
| Noninterest income to average assets | 0.4204% | 3,771 |
| Noninterest expense to average assets | 2.9081% | 2,618 |
| Loan and lease loss provision to assets | 1.7033% | 54 |
| Net operating income to assets | -0.8679% | 5,895 |
| Return on assets (ROA) | -0.8679% | 5,898 |
| Pretax return on assets | -1.3687% | 5,920 |
| Return on Equity (ROE) | -8.9362% | 5,903 |
| Retained earnings to average equity (ytd only) | -8.9362% | 5,836 |
| Net charge-offs to loans | 3.1657% | 35 |
| Credit loss provision to net charge-offs | 81.2354% | 2,648 |
| Earnings coverage of net charge-offs (x) | 0.1595% | 3,818 |
| Efficiency ratio | 89.6839% | 579 |
| Assets per employee ($millions) | 3.5655% | 4,696 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6745% | 1,273 |
| Loan loss allowance to noncurrent loans | 21.8934% | 5,297 |
| Noncurrent assets plus other real estate owned to assets | 7.0770% | 70 |
| Noncurrent loans to loans | 7.6486% | 69 |
| Net loans and leases to total assets | 59.3644% | 3,962 |
| Net loans and leases to deposits | 65.6756% | 4,374 |
| Net loans and leases to core deposits | 67.8465% | 4,478 |
| Total domestic deposits to total assets | 90.3903% | 348 |
| Equity capital to assets | 9.1796% | 4,993 |
| Core capital (leverage) ratio | 9.4825% | 4,203 |
| Tier 1 risk-based capital ratio | 12.1351% | 4,707 |
| Total risk-based capital ratio | 13.3883% | 4,617 |
| Memoranda: | ||
| Average total assets | $217,225,500 | 2,792 |
| Average earning assets | $188,145,250 | 2,928 |
| Average equity | $21,097,250 | 3,079 |
| Average total loans | $143,874,000 | 2,723 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7091% | 4,272 |
| Cost of funding earning assets | 0.3844% | 3,213 |
| Net interest margin | 3.3246% | 4,141 |
| Noninterest income to average assets | 0.4954% | 3,229 |
| Noninterest expense to average assets | 2.9829% | 2,400 |
| Loan and lease loss provision to assets | 2.5843% | 29 |
| Net operating income to assets | -1.4249% | 5,995 |
| Return on assets (ROA) | -1.4249% | 5,996 |
| Pretax return on assets | -2.1885% | 6,015 |
| Return on Equity (ROE) | -14.3957% | 5,995 |
| Retained earnings to average equity (ytd only) | -14.3957% | 5,927 |
| Net charge-offs to loans | 2.4825% | 58 |
| Credit loss provision to net charge-offs | 152.4725% | 1,571 |
| Earnings coverage of net charge-offs (x) | 0.2335% | 3,541 |
| Efficiency ratio | 88.2856% | 702 |
| Assets per employee ($millions) | 3.3013% | 5,060 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7107% | 279 |
| Loan loss allowance to noncurrent loans | 39.7553% | 5,062 |
| Noncurrent assets plus other real estate owned to assets | 7.3655% | 70 |
| Noncurrent loans to loans | 6.8184% | 93 |
| Net loans and leases to total assets | 66.7319% | 2,977 |
| Net loans and leases to deposits | 74.4108% | 3,540 |
| Net loans and leases to core deposits | 77.0492% | 3,733 |
| Total domestic deposits to total assets | 89.6804% | 597 |
| Equity capital to assets | 9.8585% | 4,378 |
| Core capital (leverage) ratio | 9.3748% | 4,365 |
| Tier 1 risk-based capital ratio | 11.4440% | 5,193 |
| Total risk-based capital ratio | 12.7061% | 5,070 |
| Memoranda: | ||
| Average total assets | $214,758,000 | 2,833 |
| Average earning assets | $186,246,330 | 2,972 |
| Average equity | $21,256,330 | 3,073 |
| Average total loans | $146,625,330 | 2,693 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7068% | 4,297 |
| Cost of funding earning assets | 0.3934% | 3,155 |
| Net interest margin | 3.3134% | 4,175 |
| Noninterest income to average assets | 0.6079% | 2,479 |
| Noninterest expense to average assets | 2.9012% | 2,705 |
| Loan and lease loss provision to assets | 2.8570% | 24 |
| Net operating income to assets | -2.2491% | 6,077 |
| Return on assets (ROA) | -2.2491% | 6,077 |
| Pretax return on assets | -2.2491% | 6,078 |
| Return on Equity (ROE) | -23.6416% | 6,076 |
| Retained earnings to average equity (ytd only) | -23.6416% | 5,991 |
| Net charge-offs to loans | 2.8820% | 39 |
| Credit loss provision to net charge-offs | 144.8179% | 1,300 |
| Earnings coverage of net charge-offs (x) | 0.3081% | 2,941 |
| Efficiency ratio | 82.6772% | 1,295 |
| Assets per employee ($millions) | 3.4642% | 4,863 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2812% | 526 |
| Loan loss allowance to noncurrent loans | 36.7259% | 5,153 |
| Noncurrent assets plus other real estate owned to assets | 6.3034% | 108 |
| Noncurrent loans to loans | 6.2115% | 134 |
| Net loans and leases to total assets | 66.5758% | 2,872 |
| Net loans and leases to deposits | 73.6485% | 3,476 |
| Net loans and leases to core deposits | 76.6212% | 3,620 |
| Total domestic deposits to total assets | 90.3966% | 467 |
| Equity capital to assets | 9.1860% | 5,000 |
| Core capital (leverage) ratio | 9.2244% | 4,570 |
| Tier 1 risk-based capital ratio | 11.0226% | 5,490 |
| Total risk-based capital ratio | 12.2800% | 5,398 |
| Memoranda: | ||
| Average total assets | $217,154,000 | 2,808 |
| Average earning assets | $190,138,000 | 2,928 |
| Average equity | $20,658,500 | 3,133 |
| Average total loans | $148,644,500 | 2,673 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7203% | 4,311 |
| Cost of funding earning assets | 0.4386% | 2,752 |
| Net interest margin | 3.2817% | 4,365 |
| Noninterest income to average assets | 0.5838% | 2,809 |
| Noninterest expense to average assets | 3.6939% | 984 |
| Loan and lease loss provision to assets | 1.5205% | 48 |
| Net operating income to assets | -1.1899% | 6,111 |
| Return on assets (ROA) | -1.1899% | 6,113 |
| Pretax return on assets | -1.7555% | 6,130 |
| Return on Equity (ROE) | -10.5305% | 6,106 |
| Retained earnings to average equity (ytd only) | -13.7416% | 6,077 |
| Net charge-offs to loans | 2.0753% | 65 |
| Credit loss provision to net charge-offs | 108.9251% | 2,314 |
| Earnings coverage of net charge-offs (x) | -0.1684% | 4,281 |
| Efficiency ratio | 106.7964% | 177 |
| Assets per employee ($millions) | 3.6929% | 4,490 |
| Cash dividends to net income (ytd only)* | -30.4929% | 6,158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6176% | 1,550 |
| Loan loss allowance to noncurrent loans | 24.0552% | 5,427 |
| Noncurrent assets plus other real estate owned to assets | 6.5985% | 115 |
| Noncurrent loans to loans | 6.7245% | 114 |
| Net loans and leases to total assets | 67.6915% | 2,752 |
| Net loans and leases to deposits | 76.3741% | 3,210 |
| Net loans and leases to core deposits | 79.9702% | 3,349 |
| Total domestic deposits to total assets | 88.6316% | 1,318 |
| Equity capital to assets | 10.5978% | 3,255 |
| Core capital (leverage) ratio | 10.4346% | 3,010 |
| Tier 1 risk-based capital ratio | 11.6928% | 5,137 |
| Total risk-based capital ratio | 12.9207% | 5,060 |
| Memoranda: | ||
| Average total assets | $219,933,000 | 2,744 |
| Average earning assets | $192,672,200 | 2,863 |
| Average equity | $24,851,600 | 2,706 |
| Average total loans | $147,928,800 | 2,626 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7199% | 4,362 |
| Cost of funding earning assets | 0.4425% | 2,764 |
| Net interest margin | 3.2774% | 4,436 |
| Noninterest income to average assets | 0.6121% | 2,680 |
| Noninterest expense to average assets | 2.8752% | 2,924 |
| Loan and lease loss provision to assets | 0.7516% | 100 |
| Net operating income to assets | -0.3362% | 6,097 |
| Return on assets (ROA) | -0.3362% | 6,109 |
| Pretax return on assets | -0.1394% | 6,025 |
| Return on Equity (ROE) | -2.8858% | 6,096 |
| Retained earnings to average equity (ytd only) | -7.0253% | 6,075 |
| Net charge-offs to loans | 1.1608% | 144 |
| Credit loss provision to net charge-offs | 96.7366% | 2,356 |
| Earnings coverage of net charge-offs (x) | 0.7879% | 3,913 |
| Efficiency ratio | 82.4476% | 1,334 |
| Assets per employee ($millions) | 3.6978% | 4,454 |
| Cash dividends to net income (ytd only)* | -143.4471% | 6,261 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4185% | 2,510 |
| Loan loss allowance to noncurrent loans | 34.3206% | 5,341 |
| Noncurrent assets plus other real estate owned to assets | 5.4771% | 163 |
| Noncurrent loans to loans | 4.1331% | 300 |
| Net loans and leases to total assets | 66.0599% | 3,001 |
| Net loans and leases to deposits | 74.7840% | 3,448 |
| Net loans and leases to core deposits | 78.7457% | 3,541 |
| Total domestic deposits to total assets | 88.3342% | 1,389 |
| Equity capital to assets | 11.3355% | 2,662 |
| Core capital (leverage) ratio | 11.3401% | 2,158 |
| Tier 1 risk-based capital ratio | 13.7142% | 4,015 |
| Total risk-based capital ratio | 14.8642% | 4,005 |
| Memoranda: | ||
| Average total assets | $220,869,750 | 2,764 |
| Average earning assets | $193,764,250 | 2,877 |
| Average equity | $25,735,000 | 2,658 |
| Average total loans | $147,826,000 | 2,631 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7681% | 4,183 |
| Cost of funding earning assets | 0.4522% | 2,702 |
| Net interest margin | 3.3160% | 4,233 |
| Noninterest income to average assets | 0.6034% | 2,716 |
| Noninterest expense to average assets | 2.6658% | 3,704 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.6188% | 4,259 |
| Return on assets (ROA) | 0.6188% | 4,378 |
| Pretax return on assets | 0.8392% | 4,168 |
| Return on Equity (ROE) | 5.1429% | 4,552 |
| Retained earnings to average equity (ytd only) | -0.8484% | 5,668 |
| Net charge-offs to loans | 0.1917% | 1,312 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 6.5423% | 2,771 |
| Efficiency ratio | 76.0567% | 2,345 |
| Assets per employee ($millions) | 3.6762% | 4,476 |
| Cash dividends to net income (ytd only)* | 116.4964% | 335 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3600% | 2,932 |
| Loan loss allowance to noncurrent loans | 30.4948% | 5,491 |
| Noncurrent assets plus other real estate owned to assets | 5.4069% | 188 |
| Noncurrent loans to loans | 4.4598% | 306 |
| Net loans and leases to total assets | 66.0605% | 2,937 |
| Net loans and leases to deposits | 75.4285% | 3,326 |
| Net loans and leases to core deposits | 79.5047% | 3,441 |
| Total domestic deposits to total assets | 87.5803% | 1,856 |
| Equity capital to assets | 12.0584% | 1,976 |
| Core capital (leverage) ratio | 12.0639% | 1,615 |
| Tier 1 risk-based capital ratio | 14.6193% | 3,568 |
| Total risk-based capital ratio | 15.7235% | 3,579 |
| Memoranda: | ||
| Average total assets | $221,400,000 | 2,781 |
| Average earning assets | $193,730,000 | 2,894 |
| Average equity | $26,638,670 | 2,598 |
| Average total loans | $148,147,330 | 2,647 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7788% | 4,096 |
| Cost of funding earning assets | 0.4610% | 2,672 |
| Net interest margin | 3.3178% | 4,144 |
| Noninterest income to average assets | 0.5356% | 3,052 |
| Noninterest expense to average assets | 2.5697% | 4,030 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.6402% | 4,088 |
| Return on assets (ROA) | 0.6402% | 4,211 |
| Pretax return on assets | 0.8602% | 4,022 |
| Return on Equity (ROE) | 5.3264% | 4,362 |
| Retained earnings to average equity (ytd only) | -1.5154% | 5,620 |
| Net charge-offs to loans | 0.0782% | 1,920 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 16.4483% | 1,566 |
| Efficiency ratio | 74.9211% | 2,660 |
| Assets per employee ($millions) | 3.7372% | 4,447 |
| Cash dividends to net income (ytd only)* | 128.4507% | 468 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4354% | 2,766 |
| Loan loss allowance to noncurrent loans | 31.9723% | 5,506 |
| Noncurrent assets plus other real estate owned to assets | 5.4230% | 208 |
| Noncurrent loans to loans | 4.4895% | 351 |
| Net loans and leases to total assets | 64.9833% | 2,940 |
| Net loans and leases to deposits | 74.0851% | 3,302 |
| Net loans and leases to core deposits | 77.8576% | 3,396 |
| Total domestic deposits to total assets | 87.7144% | 1,981 |
| Equity capital to assets | 11.8668% | 2,131 |
| Core capital (leverage) ratio | 12.0803% | 1,586 |
| Tier 1 risk-based capital ratio | 15.2709% | 3,282 |
| Total risk-based capital ratio | 16.4888% | 3,227 |
| Memoranda: | ||
| Average total assets | $221,815,500 | 2,789 |
| Average earning assets | $193,501,000 | 2,912 |
| Average equity | $26,659,500 | 2,614 |
| Average total loans | $148,362,000 | 2,645 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8559% | 4,295 |
| Cost of funding earning assets | 0.5290% | 2,400 |
| Net interest margin | 3.3269% | 4,482 |
| Noninterest income to average assets | 0.5864% | 2,942 |
| Noninterest expense to average assets | 2.6482% | 4,060 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.5953% | 4,395 |
| Return on assets (ROA) | 0.5953% | 4,479 |
| Pretax return on assets | 0.8359% | 4,123 |
| Return on Equity (ROE) | 4.8843% | 4,717 |
| Retained earnings to average equity (ytd only) | 3.5783% | 3,675 |
| Net charge-offs to loans | 0.0708% | 3,462 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 17.1048% | 1,960 |
| Efficiency ratio | 76.0085% | 2,509 |
| Assets per employee ($millions) | 3.7187% | 4,492 |
| Cash dividends to net income (ytd only)* | 26.7396% | 3,519 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4447% | 2,717 |
| Loan loss allowance to noncurrent loans | 31.7350% | 5,607 |
| Noncurrent assets plus other real estate owned to assets | 5.8892% | 203 |
| Noncurrent loans to loans | 4.5524% | 360 |
| Net loans and leases to total assets | 66.8816% | 2,748 |
| Net loans and leases to deposits | 76.4887% | 3,142 |
| Net loans and leases to core deposits | 80.1401% | 3,283 |
| Total domestic deposits to total assets | 87.4399% | 2,065 |
| Equity capital to assets | 12.1741% | 1,886 |
| Core capital (leverage) ratio | 12.0424% | 1,592 |
| Tier 1 risk-based capital ratio | 15.4875% | 3,232 |
| Total risk-based capital ratio | 16.7347% | 3,169 |
| Memoranda: | ||
| Average total assets | $214,865,000 | 2,833 |
| Average earning assets | $187,139,400 | 2,948 |
| Average equity | $26,185,800 | 2,557 |
| Average total loans | $148,315,400 | 2,595 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8389% | 4,409 |
| Cost of funding earning assets | 0.5351% | 2,418 |
| Net interest margin | 3.3038% | 4,590 |
| Noninterest income to average assets | 0.5951% | 2,908 |
| Noninterest expense to average assets | 2.6874% | 3,866 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.5546% | 4,657 |
| Return on assets (ROA) | 0.5546% | 4,735 |
| Pretax return on assets | 0.7848% | 4,417 |
| Return on Equity (ROE) | 4.5493% | 4,940 |
| Retained earnings to average equity (ytd only) | 2.7992% | 4,612 |
| Net charge-offs to loans | 0.0819% | 3,026 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 13.8242% | 2,187 |
| Efficiency ratio | 77.3985% | 2,286 |
| Assets per employee ($millions) | 3.7237% | 4,446 |
| Cash dividends to net income (ytd only)* | 38.4704% | 2,414 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4546% | 2,923 |
| Loan loss allowance to noncurrent loans | 28.6035% | 5,769 |
| Noncurrent assets plus other real estate owned to assets | 6.3065% | 207 |
| Noncurrent loans to loans | 5.0853% | 349 |
| Net loans and leases to total assets | 65.6505% | 2,927 |
| Net loans and leases to deposits | 74.6950% | 3,341 |
| Net loans and leases to core deposits | 78.1560% | 3,522 |
| Total domestic deposits to total assets | 87.8915% | 1,818 |
| Equity capital to assets | 11.7805% | 2,238 |
| Core capital (leverage) ratio | 12.3217% | 1,499 |
| Tier 1 risk-based capital ratio | 15.1118% | 3,526 |
| Total risk-based capital ratio | 16.3548% | 3,469 |
| Memoranda: | ||
| Average total assets | $213,731,000 | 2,866 |
| Average earning assets | $186,124,750 | 2,981 |
| Average equity | $26,054,750 | 2,571 |
| Average total loans | $148,171,750 | 2,611 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8750% | 4,244 |
| Cost of funding earning assets | 0.5424% | 2,413 |
| Net interest margin | 3.3326% | 4,464 |
| Noninterest income to average assets | 0.5701% | 2,992 |
| Noninterest expense to average assets | 2.5359% | 4,469 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.7126% | 3,771 |
| Return on assets (ROA) | 0.7126% | 3,865 |
| Pretax return on assets | 0.9473% | 3,690 |
| Return on Equity (ROE) | 5.7767% | 4,288 |
| Retained earnings to average equity (ytd only) | 3.1348% | 4,212 |
| Net charge-offs to loans | -0.0122% | 5,377 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8041% | 3,192 |
| Assets per employee ($millions) | 3.5731% | 4,711 |
| Cash dividends to net income (ytd only)* | 45.7333% | 2,119 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5413% | 2,714 |
| Loan loss allowance to noncurrent loans | 21.6829% | 5,969 |
| Noncurrent assets plus other real estate owned to assets | 7.0555% | 180 |
| Noncurrent loans to loans | 7.1083% | 169 |
| Net loans and leases to total assets | 68.6332% | 2,304 |
| Net loans and leases to deposits | 78.6623% | 2,713 |
| Net loans and leases to core deposits | 82.9168% | 2,863 |
| Total domestic deposits to total assets | 87.2504% | 2,323 |
| Equity capital to assets | 12.3843% | 1,716 |
| Core capital (leverage) ratio | 12.5914% | 1,350 |
| Tier 1 risk-based capital ratio | 15.8522% | 3,171 |
| Total risk-based capital ratio | 17.1036% | 3,107 |
| Memoranda: | ||
| Average total assets | $210,501,000 | 2,908 |
| Average earning assets | $183,998,670 | 3,026 |
| Average equity | $25,966,330 | 2,567 |
| Average total loans | $147,948,330 | 2,612 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9062% | 4,061 |
| Cost of funding earning assets | 0.5515% | 2,408 |
| Net interest margin | 3.3546% | 4,319 |
| Noninterest income to average assets | 0.6123% | 2,664 |
| Noninterest expense to average assets | 2.5330% | 4,509 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.7397% | 3,486 |
| Return on assets (ROA) | 0.7397% | 3,566 |
| Pretax return on assets | 1.0288% | 3,215 |
| Return on Equity (ROE) | 6.0088% | 4,018 |
| Retained earnings to average equity (ytd only) | 6.0088% | 2,538 |
| Net charge-offs to loans | -0.0458% | 5,771 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1159% | 3,641 |
| Assets per employee ($millions) | 3.4977% | 4,922 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5228% | 3,053 |
| Loan loss allowance to noncurrent loans | 20.6280% | 6,066 |
| Noncurrent assets plus other real estate owned to assets | 7.3463% | 198 |
| Noncurrent loans to loans | 7.3823% | 199 |
| Net loans and leases to total assets | 70.0415% | 1,877 |
| Net loans and leases to deposits | 80.4106% | 2,238 |
| Net loans and leases to core deposits | 84.8750% | 2,428 |
| Total domestic deposits to total assets | 87.1047% | 2,742 |
| Equity capital to assets | 12.4321% | 1,615 |
| Core capital (leverage) ratio | 12.5477% | 1,368 |
| Tier 1 risk-based capital ratio | 15.7082% | 3,326 |
| Total risk-based capital ratio | 16.9599% | 3,286 |
| Memoranda: | ||
| Average total assets | $210,344,000 | 2,927 |
| Average earning assets | $184,938,500 | 3,037 |
| Average equity | $25,895,500 | 2,561 |
| Average total loans | $148,445,500 | 2,607 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2818% | 3,027 |
| Cost of funding earning assets | 0.5753% | 2,882 |
| Net interest margin | 3.7065% | 3,025 |
| Noninterest income to average assets | 0.6766% | 2,668 |
| Noninterest expense to average assets | 2.9636% | 3,150 |
| Loan and lease loss provision to assets | 0.3793% | 810 |
| Net operating income to assets | 0.3584% | 5,300 |
| Return on assets (ROA) | 0.3584% | 5,418 |
| Pretax return on assets | 0.5897% | 4,899 |
| Return on Equity (ROE) | 2.7769% | 5,589 |
| Retained earnings to average equity (ytd only) | -0.4692% | 5,967 |
| Net charge-offs to loans | 0.2180% | 2,719 |
| Credit loss provision to net charge-offs | 239.4984% | 958 |
| Earnings coverage of net charge-offs (x) | 6.1191% | 3,124 |
| Efficiency ratio | 75.3598% | 2,883 |
| Assets per employee ($millions) | 3.5734% | 4,750 |
| Cash dividends to net income (ytd only)* | 116.8975% | 250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5282% | 3,057 |
| Loan loss allowance to noncurrent loans | 24.6342% | 6,083 |
| Noncurrent assets plus other real estate owned to assets | 6.4285% | 286 |
| Noncurrent loans to loans | 6.2034% | 320 |
| Net loans and leases to total assets | 68.9534% | 2,184 |
| Net loans and leases to deposits | 78.8815% | 2,601 |
| Net loans and leases to core deposits | 82.9504% | 2,779 |
| Total domestic deposits to total assets | 87.4139% | 2,520 |
| Equity capital to assets | 12.1905% | 1,690 |
| Core capital (leverage) ratio | 12.4159% | 1,399 |
| Tier 1 risk-based capital ratio | 14.7291% | 3,823 |
| Total risk-based capital ratio | 15.9796% | 3,760 |
| Memoranda: | ||
| Average total assets | $201,445,800 | 3,018 |
| Average earning assets | $176,957,600 | 3,114 |
| Average equity | $26,000,600 | 2,545 |
| Average total loans | $146,327,000 | 2,613 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1602% | 3,526 |
| Cost of funding earning assets | 0.5768% | 3,026 |
| Net interest margin | 3.5834% | 3,522 |
| Noninterest income to average assets | 0.7031% | 2,587 |
| Noninterest expense to average assets | 2.8233% | 3,581 |
| Loan and lease loss provision to assets | 0.5116% | 530 |
| Net operating income to assets | 0.3409% | 5,463 |
| Return on assets (ROA) | 0.3409% | 5,590 |
| Pretax return on assets | 0.5136% | 5,313 |
| Return on Equity (ROE) | 2.6026% | 5,748 |
| Retained earnings to average equity (ytd only) | 0.8539% | 5,636 |
| Net charge-offs to loans | 0.2685% | 2,207 |
| Credit loss provision to net charge-offs | 259.8639% | 960 |
| Earnings coverage of net charge-offs (x) | 5.2075% | 3,255 |
| Efficiency ratio | 73.3600% | 3,164 |
| Assets per employee ($millions) | 3.3278% | 5,232 |
| Cash dividends to net income (ytd only)* | 67.1907% | 1,180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5266% | 3,349 |
| Loan loss allowance to noncurrent loans | 19.6859% | 6,256 |
| Noncurrent assets plus other real estate owned to assets | 7.6579% | 248 |
| Noncurrent loans to loans | 7.7550% | 239 |
| Net loans and leases to total assets | 72.4813% | 1,528 |
| Net loans and leases to deposits | 83.5863% | 1,926 |
| Net loans and leases to core deposits | 88.0761% | 2,180 |
| Total domestic deposits to total assets | 86.7143% | 2,844 |
| Equity capital to assets | 12.8034% | 1,419 |
| Core capital (leverage) ratio | 12.8153% | 1,275 |
| Tier 1 risk-based capital ratio | 15.6865% | 3,359 |
| Total risk-based capital ratio | 16.9383% | 3,316 |
| Memoranda: | ||
| Average total assets | $199,100,250 | 3,069 |
| Average earning assets | $174,762,500 | 3,180 |
| Average equity | $26,075,500 | 2,575 |
| Average total loans | $146,001,500 | 2,638 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3266% | 2,845 |
| Cost of funding earning assets | 0.5754% | 3,165 |
| Net interest margin | 3.7512% | 2,760 |
| Noninterest income to average assets | 0.6865% | 2,708 |
| Noninterest expense to average assets | 2.7755% | 3,763 |
| Loan and lease loss provision to assets | 0.1163% | 2,868 |
| Net operating income to assets | 0.8210% | 3,189 |
| Return on assets (ROA) | 0.8210% | 3,349 |
| Pretax return on assets | 1.0839% | 3,159 |
| Return on Equity (ROE) | 6.2213% | 4,038 |
| Retained earnings to average equity (ytd only) | 3.6010% | 4,025 |
| Net charge-offs to loans | 0.1104% | 3,254 |
| Credit loss provision to net charge-offs | 143.7500% | 1,586 |
| Earnings coverage of net charge-offs (x) | 14.8375% | 1,792 |
| Efficiency ratio | 69.8118% | 3,863 |
| Assets per employee ($millions) | 3.3624% | 5,147 |
| Cash dividends to net income (ytd only)* | 42.1182% | 2,170 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2429% | 4,767 |
| Loan loss allowance to noncurrent loans | 126.3338% | 2,897 |
| Noncurrent assets plus other real estate owned to assets | 2.6631% | 1,566 |
| Noncurrent loans to loans | 0.9838% | 3,971 |
| Net loans and leases to total assets | 73.9771% | 1,250 |
| Net loans and leases to deposits | 85.6528% | 1,602 |
| Net loans and leases to core deposits | 90.3458% | 1,882 |
| Total domestic deposits to total assets | 86.3685% | 3,174 |
| Equity capital to assets | 13.2539% | 1,239 |
| Core capital (leverage) ratio | 13.3608% | 1,032 |
| Tier 1 risk-based capital ratio | 15.7688% | 3,330 |
| Total risk-based capital ratio | 16.8765% | 3,359 |
| Memoranda: | ||
| Average total assets | $197,802,670 | 3,094 |
| Average earning assets | $173,440,000 | 3,207 |
| Average equity | $26,104,000 | 2,575 |
| Average total loans | $144,864,330 | 2,648 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2660% | 3,038 |
| Cost of funding earning assets | 0.5760% | 3,325 |
| Net interest margin | 3.6900% | 2,893 |
| Noninterest income to average assets | 0.7372% | 2,391 |
| Noninterest expense to average assets | 2.7016% | 4,053 |
| Loan and lease loss provision to assets | 0.2025% | 1,831 |
| Net operating income to assets | 0.7554% | 3,405 |
| Return on assets (ROA) | 0.7554% | 3,546 |
| Pretax return on assets | 1.0632% | 3,097 |
| Return on Equity (ROE) | 5.7364% | 4,182 |
| Retained earnings to average equity (ytd only) | 5.7364% | 2,820 |
| Net charge-offs to loans | 0.0979% | 2,878 |
| Credit loss provision to net charge-offs | 285.7143% | 830 |
| Earnings coverage of net charge-offs (x) | 17.8571% | 1,290 |
| Efficiency ratio | 68.0960% | 4,290 |
| Assets per employee ($millions) | 3.1635% | 5,707 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3126% | 4,632 |
| Loan loss allowance to noncurrent loans | 74.9900% | 4,135 |
| Noncurrent assets plus other real estate owned to assets | 3.4410% | 1,243 |
| Noncurrent loans to loans | 1.7504% | 2,933 |
| Net loans and leases to total assets | 70.8058% | 1,543 |
| Net loans and leases to deposits | 81.9843% | 1,832 |
| Net loans and leases to core deposits | 86.3096% | 2,078 |
| Total domestic deposits to total assets | 86.3650% | 3,322 |
| Equity capital to assets | 13.1438% | 1,360 |
| Core capital (leverage) ratio | 13.4325% | 963 |
| Tier 1 risk-based capital ratio | 15.9844% | 3,282 |
| Total risk-based capital ratio | 17.1297% | 3,299 |
| Memoranda: | ||
| Average total assets | $197,514,500 | 3,123 |
| Average earning assets | $172,902,000 | 3,244 |
| Average equity | $26,009,500 | 2,616 |
| Average total loans | $142,995,500 | 2,678 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6234% | 2,904 |
| Cost of funding earning assets | 0.6643% | 3,792 |
| Net interest margin | 3.9590% | 2,570 |
| Noninterest income to average assets | 0.6617% | 2,926 |
| Noninterest expense to average assets | 2.9593% | 3,430 |
| Loan and lease loss provision to assets | 0.1356% | 3,930 |
| Net operating income to assets | 0.7145% | 3,670 |
| Return on assets (ROA) | 0.7145% | 3,928 |
| Pretax return on assets | 1.0417% | 3,394 |
| Return on Equity (ROE) | 5.2770% | 4,551 |
| Retained earnings to average equity (ytd only) | 1.9916% | 4,822 |
| Net charge-offs to loans | 0.1716% | 4,003 |
| Credit loss provision to net charge-offs | 104.8980% | 2,841 |
| Earnings coverage of net charge-offs (x) | 9.1061% | 2,308 |
| Efficiency ratio | 71.5397% | 3,514 |
| Assets per employee ($millions) | 3.2086% | 5,605 |
| Cash dividends to net income (ytd only)* | 62.2600% | 1,685 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2672% | 4,797 |
| Loan loss allowance to noncurrent loans | 52.7972% | 4,989 |
| Noncurrent assets plus other real estate owned to assets | 3.4656% | 1,314 |
| Noncurrent loans to loans | 2.4001% | 2,225 |
| Net loans and leases to total assets | 72.1335% | 1,465 |
| Net loans and leases to deposits | 83.6096% | 1,798 |
| Net loans and leases to core deposits | 88.1750% | 2,070 |
| Total domestic deposits to total assets | 86.2742% | 3,219 |
| Equity capital to assets | 13.1934% | 1,359 |
| Core capital (leverage) ratio | 13.3783% | 992 |
| Tier 1 risk-based capital ratio | 15.7674% | 3,282 |
| Total risk-based capital ratio | 16.8738% | 3,322 |
| Memoranda: | ||
| Average total assets | $189,502,800 | 3,182 |
| Average earning assets | $166,328,600 | 3,283 |
| Average equity | $25,658,400 | 2,600 |
| Average total loans | $142,799,600 | 2,682 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6475% | 3,025 |
| Cost of funding earning assets | 0.6877% | 3,883 |
| Net interest margin | 3.9598% | 2,667 |
| Noninterest income to average assets | 0.6832% | 2,797 |
| Noninterest expense to average assets | 2.9738% | 3,331 |
| Loan and lease loss provision to assets | 0.1419% | 3,759 |
| Net operating income to assets | 0.7853% | 3,528 |
| Return on assets (ROA) | 0.7853% | 3,769 |
| Pretax return on assets | 1.0478% | 3,542 |
| Return on Equity (ROE) | 5.7616% | 4,456 |
| Retained earnings to average equity (ytd only) | 3.9816% | 4,080 |
| Net charge-offs to loans | 0.2718% | 3,094 |
| Credit loss provision to net charge-offs | 68.7285% | 3,941 |
| Earnings coverage of net charge-offs (x) | 5.7629% | 2,930 |
| Efficiency ratio | 71.4261% | 3,427 |
| Assets per employee ($millions) | 3.1051% | 5,838 |
| Cash dividends to net income (ytd only)* | 30.8945% | 2,592 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1877% | 5,341 |
| Loan loss allowance to noncurrent loans | 67.1249% | 4,329 |
| Noncurrent assets plus other real estate owned to assets | 2.3458% | 2,266 |
| Noncurrent loans to loans | 1.7693% | 3,127 |
| Net loans and leases to total assets | 73.8581% | 1,267 |
| Net loans and leases to deposits | 85.7898% | 1,624 |
| Net loans and leases to core deposits | 89.9417% | 1,987 |
| Total domestic deposits to total assets | 86.0920% | 3,199 |
| Equity capital to assets | 13.5054% | 1,350 |
| Core capital (leverage) ratio | 13.6534% | 960 |
| Tier 1 risk-based capital ratio | 15.9104% | 3,317 |
| Total risk-based capital ratio | 16.9562% | 3,385 |
| Memoranda: | ||
| Average total assets | $187,947,000 | 3,229 |
| Average earning assets | $165,189,750 | 3,336 |
| Average equity | $25,617,250 | 2,626 |
| Average total loans | $142,750,500 | 2,721 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6708% | 3,043 |
| Cost of funding earning assets | 0.7183% | 3,873 |
| Net interest margin | 3.9525% | 2,712 |
| Noninterest income to average assets | 0.6394% | 3,009 |
| Noninterest expense to average assets | 2.8945% | 3,644 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.8679% | 3,053 |
| Return on assets (ROA) | 0.8679% | 3,317 |
| Pretax return on assets | 1.2101% | 2,874 |
| Return on Equity (ROE) | 6.3477% | 4,132 |
| Retained earnings to average equity (ytd only) | 3.6642% | 4,157 |
| Net charge-offs to loans | 0.1911% | 3,437 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 8.2941% | 2,320 |
| Efficiency ratio | 70.5175% | 3,681 |
| Assets per employee ($millions) | 3.1840% | 5,681 |
| Cash dividends to net income (ytd only)* | 42.2744% | 2,074 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1651% | 5,501 |
| Loan loss allowance to noncurrent loans | 77.3234% | 3,899 |
| Noncurrent assets plus other real estate owned to assets | 2.1844% | 2,553 |
| Noncurrent loans to loans | 1.5068% | 3,645 |
| Net loans and leases to total assets | 73.8877% | 1,262 |
| Net loans and leases to deposits | 85.7319% | 1,637 |
| Net loans and leases to core deposits | 89.5551% | 2,028 |
| Total domestic deposits to total assets | 86.1846% | 3,263 |
| Equity capital to assets | 13.4537% | 1,320 |
| Core capital (leverage) ratio | 13.6317% | 926 |
| Tier 1 risk-based capital ratio | 15.7039% | 3,329 |
| Total risk-based capital ratio | 16.7206% | 3,426 |
| Memoranda: | ||
| Average total assets | $186,424,330 | 3,261 |
| Average earning assets | $163,441,000 | 3,370 |
| Average equity | $25,489,670 | 2,619 |
| Average total loans | $142,368,330 | 2,736 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7760% | 2,735 |
| Cost of funding earning assets | 0.7344% | 3,992 |
| Net interest margin | 4.0416% | 2,324 |
| Noninterest income to average assets | 0.7713% | 2,294 |
| Noninterest expense to average assets | 3.0350% | 3,131 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.8842% | 2,999 |
| Return on assets (ROA) | 0.8842% | 3,218 |
| Pretax return on assets | 1.2753% | 2,628 |
| Return on Equity (ROE) | 6.4136% | 4,081 |
| Retained earnings to average equity (ytd only) | 6.4136% | 2,732 |
| Net charge-offs to loans | 0.3855% | 2,148 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 4.2847% | 2,606 |
| Efficiency ratio | 70.4133% | 3,740 |
| Assets per employee ($millions) | 3.1323% | 5,897 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1810% | 5,585 |
| Loan loss allowance to noncurrent loans | 79.4174% | 3,704 |
| Noncurrent assets plus other real estate owned to assets | 2.3343% | 2,550 |
| Noncurrent loans to loans | 1.4871% | 3,888 |
| Net loans and leases to total assets | 74.0397% | 1,056 |
| Net loans and leases to deposits | 86.2046% | 1,397 |
| Net loans and leases to core deposits | 90.2779% | 1,823 |
| Total domestic deposits to total assets | 85.8884% | 3,601 |
| Equity capital to assets | 13.6147% | 1,193 |
| Core capital (leverage) ratio | 14.0273% | 800 |
| Tier 1 risk-based capital ratio | 15.6117% | 3,389 |
| Total risk-based capital ratio | 16.6264% | 3,478 |
| Memoranda: | ||
| Average total assets | $184,116,500 | 3,318 |
| Average earning assets | $161,224,000 | 3,419 |
| Average equity | $25,383,500 | 2,632 |
| Average total loans | $142,143,000 | 2,751 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0496% | 2,654 |
| Cost of funding earning assets | 0.7826% | 4,989 |
| Net interest margin | 4.2670% | 1,816 |
| Noninterest income to average assets | 0.6632% | 2,820 |
| Noninterest expense to average assets | 3.0282% | 3,490 |
| Loan and lease loss provision to assets | 0.1096% | 5,222 |
| Net operating income to assets | 0.8546% | 2,797 |
| Return on assets (ROA) | 0.8546% | 2,952 |
| Pretax return on assets | 1.2473% | 2,304 |
| Return on Equity (ROE) | 6.1590% | 3,790 |
| Retained earnings to average equity (ytd only) | 2.8830% | 4,194 |
| Net charge-offs to loans | 0.2086% | 4,491 |
| Credit loss provision to net charge-offs | 66.5541% | 4,981 |
| Earnings coverage of net charge-offs (x) | 8.2399% | 2,181 |
| Efficiency ratio | 69.0561% | 4,137 |
| Assets per employee ($millions) | 2.9557% | 6,185 |
| Cash dividends to net income (ytd only)* | 53.1901% | 1,896 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2546% | 5,139 |
| Loan loss allowance to noncurrent loans | 46.2368% | 5,238 |
| Noncurrent assets plus other real estate owned to assets | 3.4271% | 1,728 |
| Noncurrent loans to loans | 2.7134% | 2,392 |
| Net loans and leases to total assets | 78.5791% | 648 |
| Net loans and leases to deposits | 91.8072% | 985 |
| Net loans and leases to core deposits | 96.3323% | 1,467 |
| Total domestic deposits to total assets | 85.5915% | 3,543 |
| Equity capital to assets | 13.9659% | 1,076 |
| Core capital (leverage) ratio | 13.9395% | 838 |
| Tier 1 risk-based capital ratio | 15.3762% | 3,403 |
| Total risk-based capital ratio | 16.4753% | 3,459 |
| Memoranda: | ||
| Average total assets | $179,741,400 | 3,340 |
| Average earning assets | $156,785,400 | 3,458 |
| Average equity | $24,939,200 | 2,589 |
| Average total loans | $141,891,200 | 2,753 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0811% | 2,703 |
| Cost of funding earning assets | 0.7857% | 5,245 |
| Net interest margin | 4.2954% | 1,733 |
| Noninterest income to average assets | 0.6214% | 3,046 |
| Noninterest expense to average assets | 3.0073% | 3,531 |
| Loan and lease loss provision to assets | 0.0720% | 5,553 |
| Net operating income to assets | 0.9784% | 2,401 |
| Return on assets (ROA) | 0.9784% | 2,561 |
| Pretax return on assets | 1.2880% | 2,329 |
| Return on Equity (ROE) | 7.0633% | 3,499 |
| Retained earnings to average equity (ytd only) | 5.3591% | 2,943 |
| Net charge-offs to loans | 0.0886% | 5,089 |
| Credit loss provision to net charge-offs | 103.1915% | 3,227 |
| Earnings coverage of net charge-offs (x) | 19.4894% | 1,262 |
| Efficiency ratio | 68.8594% | 4,146 |
| Assets per employee ($millions) | 2.7965% | 6,490 |
| Cash dividends to net income (ytd only)* | 24.1275% | 2,761 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3656% | 4,707 |
| Loan loss allowance to noncurrent loans | 59.8301% | 4,460 |
| Noncurrent assets plus other real estate owned to assets | 3.3091% | 1,921 |
| Noncurrent loans to loans | 2.2825% | 3,020 |
| Net loans and leases to total assets | 75.5753% | 1,044 |
| Net loans and leases to deposits | 88.2770% | 1,400 |
| Net loans and leases to core deposits | 92.9163% | 1,894 |
| Total domestic deposits to total assets | 85.6116% | 3,437 |
| Equity capital to assets | 13.9643% | 1,166 |
| Core capital (leverage) ratio | 14.1642% | 854 |
| Tier 1 risk-based capital ratio | 15.7758% | 3,235 |
| Total risk-based capital ratio | 16.9579% | 3,235 |
| Memoranda: | ||
| Average total assets | $179,602,750 | 3,353 |
| Average earning assets | $156,627,500 | 3,490 |
| Average equity | $24,879,000 | 2,589 |
| Average total loans | $141,495,250 | 2,784 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1610% | 2,414 |
| Cost of funding earning assets | 0.7946% | 5,409 |
| Net interest margin | 4.3664% | 1,475 |
| Noninterest income to average assets | 0.5892% | 3,201 |
| Noninterest expense to average assets | 2.9841% | 3,702 |
| Loan and lease loss provision to assets | 0.1062% | 4,977 |
| Net operating income to assets | 0.9895% | 2,270 |
| Return on assets (ROA) | 0.9895% | 2,371 |
| Pretax return on assets | 1.3081% | 2,113 |
| Return on Equity (ROE) | 7.1628% | 3,369 |
| Retained earnings to average equity (ytd only) | 4.5890% | 3,267 |
| Net charge-offs to loans | 0.1266% | 4,463 |
| Credit loss provision to net charge-offs | 105.5556% | 2,925 |
| Earnings coverage of net charge-offs (x) | 14.0556% | 1,504 |
| Efficiency ratio | 67.8444% | 4,543 |
| Assets per employee ($millions) | 2.7851% | 6,499 |
| Cash dividends to net income (ytd only)* | 35.9322% | 2,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3342% | 4,900 |
| Loan loss allowance to noncurrent loans | 71.0713% | 3,894 |
| Noncurrent assets plus other real estate owned to assets | 3.6955% | 1,761 |
| Noncurrent loans to loans | 1.8773% | 3,645 |
| Net loans and leases to total assets | 77.7759% | 807 |
| Net loans and leases to deposits | 90.6189% | 1,210 |
| Net loans and leases to core deposits | 95.6126% | 1,721 |
| Total domestic deposits to total assets | 85.8274% | 3,425 |
| Equity capital to assets | 13.7820% | 1,169 |
| Core capital (leverage) ratio | 14.0227% | 863 |
| Tier 1 risk-based capital ratio | 15.1119% | 3,441 |
| Total risk-based capital ratio | 16.2651% | 3,458 |
| Memoranda: | ||
| Average total assets | $178,880,000 | 3,381 |
| Average earning assets | $156,054,000 | 3,525 |
| Average equity | $24,711,000 | 2,587 |
| Average total loans | $142,235,000 | 2,802 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3300% | 1,781 |
| Cost of funding earning assets | 0.8012% | 5,573 |
| Net interest margin | 4.5288% | 1,006 |
| Noninterest income to average assets | 0.5827% | 3,289 |
| Noninterest expense to average assets | 2.9763% | 3,743 |
| Loan and lease loss provision to assets | 0.2025% | 3,613 |
| Net operating income to assets | 1.0056% | 2,168 |
| Return on assets (ROA) | 1.0056% | 2,216 |
| Pretax return on assets | 1.3588% | 1,857 |
| Return on Equity (ROE) | 7.2708% | 3,255 |
| Retained earnings to average equity (ytd only) | 7.2708% | 2,031 |
| Net charge-offs to loans | 0.2592% | 3,032 |
| Credit loss provision to net charge-offs | 97.8261% | 2,791 |
| Earnings coverage of net charge-offs (x) | 7.5435% | 1,936 |
| Efficiency ratio | 65.5925% | 5,107 |
| Assets per employee ($millions) | 2.8013% | 6,533 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3388% | 4,954 |
| Loan loss allowance to noncurrent loans | 347.4359% | 889 |
| Noncurrent assets plus other real estate owned to assets | 2.6929% | 2,553 |
| Noncurrent loans to loans | 0.3853% | 6,225 |
| Net loans and leases to total assets | 77.9770% | 730 |
| Net loans and leases to deposits | 91.0928% | 1,107 |
| Net loans and leases to core deposits | 95.8270% | 1,687 |
| Total domestic deposits to total assets | 85.6017% | 3,733 |
| Equity capital to assets | 13.8411% | 1,054 |
| Core capital (leverage) ratio | 14.1431% | 821 |
| Tier 1 risk-based capital ratio | 14.9807% | 3,436 |
| Total risk-based capital ratio | 16.1259% | 3,455 |
| Memoranda: | ||
| Average total assets | $177,803,500 | 3,418 |
| Average earning assets | $155,273,500 | 3,560 |
| Average equity | $24,591,500 | 2,588 |
| Average total loans | $142,000,500 | 2,844 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0878% | 4,146 |
| Cost of funding earning assets | 0.8733% | 6,283 |
| Net interest margin | 4.2144% | 2,129 |
| Noninterest income to average assets | 0.7569% | 2,501 |
| Noninterest expense to average assets | 3.0337% | 3,718 |
| Loan and lease loss provision to assets | 0.5309% | 3,028 |
| Net operating income to assets | 0.5967% | 3,684 |
| Return on assets (ROA) | 0.5967% | 3,846 |
| Pretax return on assets | 0.8557% | 3,456 |
| Return on Equity (ROE) | 4.3074% | 4,382 |
| Retained earnings to average equity (ytd only) | 1.1517% | 4,970 |
| Net charge-offs to loans | 0.3126% | 4,458 |
| Credit loss provision to net charge-offs | 214.4495% | 1,414 |
| Earnings coverage of net charge-offs (x) | 5.6009% | 2,583 |
| Efficiency ratio | 68.6320% | 4,435 |
| Assets per employee ($millions) | 2.7126% | 6,662 |
| Cash dividends to net income (ytd only)* | 73.2636% | 1,084 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3345% | 4,828 |
| Loan loss allowance to noncurrent loans | 42.9153% | 5,452 |
| Noncurrent assets plus other real estate owned to assets | 3.1624% | 2,234 |
| Noncurrent loans to loans | 3.1096% | 2,454 |
| Net loans and leases to total assets | 79.6293% | 711 |
| Net loans and leases to deposits | 93.4805% | 1,103 |
| Net loans and leases to core deposits | 98.9381% | 1,713 |
| Total domestic deposits to total assets | 85.1828% | 3,761 |
| Equity capital to assets | 13.8202% | 1,094 |
| Core capital (leverage) ratio | 13.8467% | 873 |
| Tier 1 risk-based capital ratio | 14.9148% | 3,297 |
| Total risk-based capital ratio | 16.0771% | 3,311 |
| Memoranda: | ||
| Average total assets | $176,122,000 | 3,435 |
| Average earning assets | $153,093,200 | 3,588 |
| Average equity | $24,399,600 | 2,619 |
| Average total loans | $139,462,000 | 2,959 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1853% | 3,910 |
| Cost of funding earning assets | 0.8800% | 6,474 |
| Net interest margin | 4.3054% | 1,832 |
| Noninterest income to average assets | 0.7610% | 2,446 |
| Noninterest expense to average assets | 2.9919% | 3,776 |
| Loan and lease loss provision to assets | 0.2650% | 4,459 |
| Net operating income to assets | 0.8973% | 2,619 |
| Return on assets (ROA) | 0.8973% | 2,772 |
| Pretax return on assets | 1.2351% | 2,378 |
| Return on Equity (ROE) | 6.4733% | 3,588 |
| Retained earnings to average equity (ytd only) | 4.7416% | 3,167 |
| Net charge-offs to loans | 0.3555% | 3,881 |
| Credit loss provision to net charge-offs | 94.5946% | 4,583 |
| Earnings coverage of net charge-offs (x) | 5.3541% | 2,768 |
| Efficiency ratio | 66.6049% | 4,729 |
| Assets per employee ($millions) | 2.0820% | 7,481 |
| Cash dividends to net income (ytd only)* | 26.7513% | 2,674 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9791% | 6,481 |
| Loan loss allowance to noncurrent loans | 74.3935% | 3,605 |
| Noncurrent assets plus other real estate owned to assets | 1.6737% | 3,941 |
| Noncurrent loans to loans | 1.3161% | 4,663 |
| Net loans and leases to total assets | 78.8652% | 908 |
| Net loans and leases to deposits | 92.4560% | 1,391 |
| Net loans and leases to core deposits | 97.6369% | 2,081 |
| Total domestic deposits to total assets | 85.3003% | 3,464 |
| Equity capital to assets | 14.0522% | 1,152 |
| Core capital (leverage) ratio | 14.3002% | 860 |
| Tier 1 risk-based capital ratio | 15.2382% | 3,132 |
| Total risk-based capital ratio | 16.0838% | 3,312 |
| Memoranda: | ||
| Average total assets | $176,072,000 | 3,480 |
| Average earning assets | $152,580,000 | 3,647 |
| Average equity | $24,407,500 | 2,663 |
| Average total loans | $138,751,750 | 3,010 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2370% | 3,780 |
| Cost of funding earning assets | 0.8929% | 6,614 |
| Net interest margin | 4.3442% | 1,622 |
| Noninterest income to average assets | 0.6656% | 2,927 |
| Noninterest expense to average assets | 2.9322% | 3,952 |
| Loan and lease loss provision to assets | 0.2333% | 4,582 |
| Net operating income to assets | 0.9182% | 2,480 |
| Return on assets (ROA) | 0.9182% | 2,584 |
| Pretax return on assets | 1.2425% | 2,281 |
| Return on Equity (ROE) | 6.6546% | 3,464 |
| Retained earnings to average equity (ytd only) | 4.0406% | 3,512 |
| Net charge-offs to loans | 0.3550% | 3,577 |
| Credit loss provision to net charge-offs | 83.6735% | 4,602 |
| Earnings coverage of net charge-offs (x) | 5.2939% | 2,710 |
| Efficiency ratio | 66.5204% | 4,878 |
| Assets per employee ($millions) | 2.5168% | 7,082 |
| Cash dividends to net income (ytd only)* | 39.2813% | 2,122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9903% | 6,448 |
| Loan loss allowance to noncurrent loans | 74.0338% | 3,650 |
| Noncurrent assets plus other real estate owned to assets | 2.0225% | 3,472 |
| Noncurrent loans to loans | 1.3377% | 4,712 |
| Net loans and leases to total assets | 75.0337% | 1,684 |
| Net loans and leases to deposits | 90.1341% | 1,834 |
| Net loans and leases to core deposits | 94.9810% | 2,593 |
| Total domestic deposits to total assets | 83.2467% | 4,468 |
| Equity capital to assets | 13.5162% | 1,340 |
| Core capital (leverage) ratio | 14.2356% | 868 |
| Tier 1 risk-based capital ratio | 15.1929% | 3,061 |
| Total risk-based capital ratio | 16.0365% | 3,239 |
| Memoranda: | ||
| Average total assets | $175,773,000 | 3,507 |
| Average earning assets | $151,421,670 | 3,686 |
| Average equity | $24,254,000 | 2,667 |
| Average total loans | $138,020,000 | 3,053 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1863% | 4,099 |
| Cost of funding earning assets | 0.9331% | 6,643 |
| Net interest margin | 4.2532% | 1,841 |
| Noninterest income to average assets | 0.6703% | 2,807 |
| Noninterest expense to average assets | 2.9817% | 3,740 |
| Loan and lease loss provision to assets | 0.1387% | 5,167 |
| Net operating income to assets | 0.9223% | 2,466 |
| Return on assets (ROA) | 0.9223% | 2,530 |
| Pretax return on assets | 1.2690% | 2,138 |
| Return on Equity (ROE) | 6.6129% | 3,560 |
| Retained earnings to average equity (ytd only) | 6.6129% | 2,312 |
| Net charge-offs to loans | 0.1995% | 3,713 |
| Credit loss provision to net charge-offs | 86.9565% | 3,720 |
| Earnings coverage of net charge-offs (x) | 8.8261% | 1,918 |
| Efficiency ratio | 67.9305% | 4,737 |
| Assets per employee ($millions) | 2.7063% | 6,855 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0008% | 6,467 |
| Loan loss allowance to noncurrent loans | 31.2725% | 6,328 |
| Noncurrent assets plus other real estate owned to assets | 3.0186% | 2,375 |
| Noncurrent loans to loans | 3.2004% | 2,494 |
| Net loans and leases to total assets | 78.2176% | 1,107 |
| Net loans and leases to deposits | 91.2552% | 1,720 |
| Net loans and leases to core deposits | 91.5887% | 3,158 |
| Total domestic deposits to total assets | 85.7130% | 3,305 |
| Equity capital to assets | 13.7993% | 1,208 |
| Core capital (leverage) ratio | 14.3116% | 892 |
| Tier 1 risk-based capital ratio | 14.8681% | 3,170 |
| Total risk-based capital ratio | 15.7201% | 3,364 |
| Memoranda: | ||
| Average total assets | $173,053,500 | 3,610 |
| Average earning assets | $151,322,500 | 3,734 |
| Average equity | $24,134,500 | 2,707 |
| Average total loans | $138,365,000 | 3,100 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2670% | 5,339 |
| Cost of funding earning assets | 1.1952% | 6,673 |
| Net interest margin | 4.0718% | 2,560 |
| Noninterest income to average assets | 0.7250% | 2,821 |
| Noninterest expense to average assets | 3.1145% | 3,676 |
| Loan and lease loss provision to assets | 0.0553% | 7,014 |
| Net operating income to assets | 0.8483% | 2,354 |
| Return on assets (ROA) | 0.8483% | 2,437 |
| Pretax return on assets | 1.1747% | 2,021 |
| Return on Equity (ROE) | 6.0344% | 3,196 |
| Retained earnings to average equity (ytd only) | 2.8185% | 3,194 |
| Net charge-offs to loans | 0.0705% | 6,413 |
| Credit loss provision to net charge-offs | 98.9583% | 5,632 |
| Earnings coverage of net charge-offs (x) | 22.0208% | 977 |
| Efficiency ratio | 71.6888% | 4,321 |
| Assets per employee ($millions) | 2.6594% | 6,929 |
| Cash dividends to net income (ytd only)* | 53.2922% | 2,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0163% | 6,282 |
| Loan loss allowance to noncurrent loans | 104.9475% | 2,684 |
| Noncurrent assets plus other real estate owned to assets | 1.4436% | 4,249 |
| Noncurrent loans to loans | 0.9684% | 5,377 |
| Net loans and leases to total assets | 80.1109% | 974 |
| Net loans and leases to deposits | 93.6546% | 1,646 |
| Net loans and leases to core deposits | 114.2441% | 2,478 |
| Total domestic deposits to total assets | 85.5387% | 3,272 |
| Equity capital to assets | 14.0982% | 1,138 |
| Core capital (leverage) ratio | 13.7474% | 1,030 |
| Tier 1 risk-based capital ratio | 15.0337% | 2,917 |
| Total risk-based capital ratio | 15.9109% | 3,078 |
| Memoranda: | ||
| Average total assets | $171,871,400 | 3,577 |
| Average earning assets | $152,782,800 | 3,656 |
| Average equity | $24,161,600 | 2,698 |
| Average total loans | $136,151,200 | 3,152 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2471% | 5,701 |
| Cost of funding earning assets | 1.2347% | 6,782 |
| Net interest margin | 4.0124% | 2,754 |
| Noninterest income to average assets | 0.6686% | 3,227 |
| Noninterest expense to average assets | 2.9183% | 4,369 |
| Loan and lease loss provision to assets | 0.0673% | 6,693 |
| Net operating income to assets | 0.9418% | 2,265 |
| Return on assets (ROA) | 0.9418% | 2,328 |
| Pretax return on assets | 1.2568% | 2,088 |
| Return on Equity (ROE) | 6.7042% | 3,216 |
| Retained earnings to average equity (ytd only) | 4.9469% | 2,515 |
| Net charge-offs to loans | 0.0786% | 5,893 |
| Credit loss provision to net charge-offs | 108.7500% | 4,672 |
| Earnings coverage of net charge-offs (x) | 21.3883% | 1,201 |
| Efficiency ratio | 68.7888% | 4,827 |
| Assets per employee ($millions) | 2.8014% | 6,646 |
| Cash dividends to net income (ytd only)* | 26.2118% | 3,022 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0304% | 6,106 |
| Loan loss allowance to noncurrent loans | 79.2347% | 3,453 |
| Noncurrent assets plus other real estate owned to assets | 1.8071% | 3,647 |
| Noncurrent loans to loans | 1.3004% | 4,767 |
| Net loans and leases to total assets | 75.4327% | 2,114 |
| Net loans and leases to deposits | 87.8407% | 2,996 |
| Net loans and leases to core deposits | 107.1384% | 3,576 |
| Total domestic deposits to total assets | 85.8744% | 2,767 |
| Equity capital to assets | 13.7659% | 1,391 |
| Core capital (leverage) ratio | 13.8549% | 1,128 |
| Tier 1 risk-based capital ratio | 15.6535% | 2,751 |
| Total risk-based capital ratio | 16.5465% | 2,859 |
| Memoranda: | ||
| Average total assets | $172,289,500 | 3,584 |
| Average earning assets | $153,452,500 | 3,661 |
| Average equity | $24,203,250 | 2,719 |
| Average total loans | $135,752,000 | 3,196 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3196% | 5,556 |
| Cost of funding earning assets | 1.2568% | 6,937 |
| Net interest margin | 4.0628% | 2,459 |
| Noninterest income to average assets | 0.6590% | 3,272 |
| Noninterest expense to average assets | 2.9255% | 4,408 |
| Loan and lease loss provision to assets | 0.1024% | 6,149 |
| Net operating income to assets | 0.9273% | 2,353 |
| Return on assets (ROA) | 0.9273% | 2,446 |
| Pretax return on assets | 1.2603% | 2,127 |
| Return on Equity (ROE) | 6.5546% | 3,409 |
| Retained earnings to average equity (ytd only) | 3.9012% | 3,113 |
| Net charge-offs to loans | 0.0871% | 5,333 |
| Credit loss provision to net charge-offs | 147.4576% | 3,134 |
| Earnings coverage of net charge-offs (x) | 19.6271% | 1,356 |
| Efficiency ratio | 68.2217% | 5,118 |
| Assets per employee ($millions) | 2.6796% | 6,877 |
| Cash dividends to net income (ytd only)* | 40.4822% | 2,418 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0308% | 6,015 |
| Loan loss allowance to noncurrent loans | 51.9636% | 4,903 |
| Noncurrent assets plus other real estate owned to assets | 1.9935% | 3,204 |
| Noncurrent loans to loans | 1.9837% | 3,549 |
| Net loans and leases to total assets | 76.4218% | 2,075 |
| Net loans and leases to deposits | 88.6964% | 3,056 |
| Net loans and leases to core deposits | 108.0315% | 3,605 |
| Total domestic deposits to total assets | 86.1611% | 2,701 |
| Equity capital to assets | 13.5092% | 1,492 |
| Core capital (leverage) ratio | 13.9890% | 1,142 |
| Tier 1 risk-based capital ratio | 15.0185% | 3,012 |
| Total risk-based capital ratio | 15.9033% | 3,110 |
| Memoranda: | ||
| Average total assets | $169,955,670 | 3,642 |
| Average earning assets | $151,815,330 | 3,713 |
| Average equity | $24,044,000 | 2,753 |
| Average total loans | $135,452,000 | 3,236 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4614% | 5,115 |
| Cost of funding earning assets | 1.2737% | 7,104 |
| Net interest margin | 4.1877% | 1,942 |
| Noninterest income to average assets | 0.6563% | 3,165 |
| Noninterest expense to average assets | 2.9303% | 4,056 |
| Loan and lease loss provision to assets | 0.0727% | 6,050 |
| Net operating income to assets | 1.0244% | 2,214 |
| Return on assets (ROA) | 1.0244% | 2,355 |
| Pretax return on assets | 1.3877% | 2,001 |
| Return on Equity (ROE) | 7.0678% | 3,568 |
| Retained earnings to average equity (ytd only) | 7.0678% | 2,187 |
| Net charge-offs to loans | 0.0538% | 4,714 |
| Credit loss provision to net charge-offs | 166.6667% | 2,553 |
| Earnings coverage of net charge-offs (x) | 33.5000% | 979 |
| Efficiency ratio | 66.7402% | 5,188 |
| Assets per employee ($millions) | 2.6308% | 7,022 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0302% | 5,935 |
| Loan loss allowance to noncurrent loans | 70.5794% | 4,072 |
| Noncurrent assets plus other real estate owned to assets | 1.3223% | 4,024 |
| Noncurrent loans to loans | 1.4596% | 4,115 |
| Net loans and leases to total assets | 78.1791% | 1,780 |
| Net loans and leases to deposits | 91.3603% | 2,719 |
| Net loans and leases to core deposits | 109.3387% | 3,520 |
| Total domestic deposits to total assets | 85.5724% | 2,935 |
| Equity capital to assets | 13.9093% | 1,388 |
| Core capital (leverage) ratio | 14.9879% | 976 |
| Tier 1 risk-based capital ratio | 15.0598% | 3,036 |
| Total risk-based capital ratio | 15.9409% | 3,139 |
| Memoranda: | ||
| Average total assets | $165,168,500 | 3,740 |
| Average earning assets | $147,288,000 | 3,805 |
| Average equity | $23,939,500 | 2,776 |
| Average total loans | $133,863,500 | 3,289 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3222% | 3,845 |
| Cost of funding earning assets | 1.7688% | 7,090 |
| Net interest margin | 4.5534% | 1,303 |
| Noninterest income to average assets | 0.7057% | 3,090 |
| Noninterest expense to average assets | 3.2212% | 3,252 |
| Loan and lease loss provision to assets | 0.0598% | 6,662 |
| Net operating income to assets | 1.0066% | 2,530 |
| Return on assets (ROA) | 1.0066% | 2,412 |
| Pretax return on assets | 1.4772% | 1,745 |
| Return on Equity (ROE) | 7.0192% | 3,521 |
| Retained earnings to average equity (ytd only) | 3.7160% | 2,824 |
| Net charge-offs to loans | 0.1887% | 4,300 |
| Credit loss provision to net charge-offs | 39.6761% | 6,453 |
| Earnings coverage of net charge-offs (x) | 10.1943% | 2,561 |
| Efficiency ratio | 67.6972% | 4,774 |
| Assets per employee ($millions) | 2.2711% | 7,604 |
| Cash dividends to net income (ytd only)* | 47.0588% | 3,287 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0730% | 5,468 |
| Loan loss allowance to noncurrent loans | 56.1748% | 5,168 |
| Noncurrent assets plus other real estate owned to assets | 1.6490% | 2,944 |
| Noncurrent loans to loans | 1.9101% | 2,881 |
| Net loans and leases to total assets | 82.4281% | 1,144 |
| Net loans and leases to deposits | 97.7043% | 2,170 |
| Net loans and leases to core deposits | 117.6810% | 2,925 |
| Total domestic deposits to total assets | 84.3649% | 3,148 |
| Equity capital to assets | 15.1418% | 1,124 |
| Core capital (leverage) ratio | 14.9317% | 1,053 |
| Tier 1 risk-based capital ratio | 15.6869% | 2,787 |
| Total risk-based capital ratio | 16.6131% | 2,827 |
| Memoranda: | ||
| Average total assets | $163,819,600 | 3,648 |
| Average earning assets | $145,802,600 | 3,726 |
| Average equity | $23,492,800 | 2,790 |
| Average total loans | $130,915,000 | 3,253 |