Home > The Bank of Versailles > Performance and Condition Ratios
The Bank of Versailles, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4621% | 3,162 |
| Cost of funding earning assets | 0.9113% | 3,496 |
| Net interest margin | 3.5508% | 2,065 |
| Noninterest income to average assets | 0.0800% | 4,348 |
| Noninterest expense to average assets | 1.7467% | 4,070 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | 1.3517% | 1,320 |
| Return on assets (ROA) | 1.3517% | 1,293 |
| Pretax return on assets | 1.7548% | 956 |
| Return on Equity (ROE) | 10.2600% | 2,417 |
| Retained earnings to average equity (ytd only) | 6.9128% | 1,915 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 49.6239% | 4,007 |
| Assets per employee ($millions) | 7.6022% | 1,656 |
| Cash dividends to net income (ytd only)* | 32.6267% | 2,448 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3761% | 1,482 |
| Loan loss allowance to noncurrent loans | 4,075.5102% | 284 |
| Noncurrent assets plus other real estate owned to assets | 0.0300% | 3,466 |
| Noncurrent loans to loans | 0.0338% | 3,487 |
| Net loans and leases to total assets | 87.5600% | 102 |
| Net loans and leases to deposits | 109.7030% | 209 |
| Net loans and leases to core deposits | 114.9523% | 782 |
| Total domestic deposits to total assets | 79.8200% | 3,492 |
| Equity capital to assets | 13.2890% | 803 |
| Core capital (leverage) ratio | 13.5098% | 906 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $321,066,600 | 2,314 |
| Average earning assets | $310,974,000 | 2,241 |
| Average equity | $42,298,200 | 1,803 |
| Average total loans | $284,253,000 | 1,852 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3852% | 3,127 |
| Cost of funding earning assets | 0.7825% | 3,571 |
| Net interest margin | 3.6026% | 2,003 |
| Noninterest income to average assets | 0.0800% | 4,369 |
| Noninterest expense to average assets | 1.7392% | 4,065 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.4129% | 1,291 |
| Return on assets (ROA) | 1.4129% | 1,275 |
| Pretax return on assets | 1.8347% | 954 |
| Return on Equity (ROE) | 10.7500% | 2,434 |
| Retained earnings to average equity (ytd only) | 8.6924% | 1,769 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 48.6635% | 4,004 |
| Assets per employee ($millions) | 7.5112% | 1,623 |
| Cash dividends to net income (ytd only)* | 19.1320% | 2,494 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3883% | 1,491 |
| Loan loss allowance to noncurrent loans | 3,994.0000% | 292 |
| Noncurrent assets plus other real estate owned to assets | 0.0310% | 3,497 |
| Noncurrent loans to loans | 0.0348% | 3,517 |
| Net loans and leases to total assets | 87.8400% | 83 |
| Net loans and leases to deposits | 110.3401% | 193 |
| Net loans and leases to core deposits | 115.9283% | 662 |
| Total domestic deposits to total assets | 79.6100% | 3,586 |
| Equity capital to assets | 13.3927% | 740 |
| Core capital (leverage) ratio | 13.4554% | 956 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $319,609,500 | 2,321 |
| Average earning assets | $309,580,250 | 2,249 |
| Average equity | $42,012,500 | 1,800 |
| Average total loans | $282,758,500 | 1,862 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3014% | 3,099 |
| Cost of funding earning assets | 0.6219% | 3,702 |
| Net interest margin | 3.6795% | 1,852 |
| Noninterest income to average assets | 0.0900% | 4,358 |
| Noninterest expense to average assets | 1.7313% | 4,107 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.4726% | 1,162 |
| Return on assets (ROA) | 1.4726% | 1,148 |
| Pretax return on assets | 1.9147% | 842 |
| Return on Equity (ROE) | 11.2700% | 2,354 |
| Retained earnings to average equity (ytd only) | 8.1590% | 1,914 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 47.4854% | 4,094 |
| Assets per employee ($millions) | 7.4259% | 1,642 |
| Cash dividends to net income (ytd only)* | 27.6333% | 2,154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3972% | 1,542 |
| Loan loss allowance to noncurrent loans | 3,915.6863% | 320 |
| Noncurrent assets plus other real estate owned to assets | 0.0319% | 3,465 |
| Noncurrent loans to loans | 0.0357% | 3,480 |
| Net loans and leases to total assets | 88.2700% | 74 |
| Net loans and leases to deposits | 111.5041% | 178 |
| Net loans and leases to core deposits | 116.9494% | 600 |
| Total domestic deposits to total assets | 79.1700% | 3,696 |
| Equity capital to assets | 13.2205% | 769 |
| Core capital (leverage) ratio | 13.3975% | 904 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $318,485,000 | 2,333 |
| Average earning assets | $308,087,333 | 2,267 |
| Average equity | $41,598,000 | 1,825 |
| Average total loans | $281,112,667 | 1,858 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0187% | 3,417 |
| Cost of funding earning assets | 0.4397% | 3,863 |
| Net interest margin | 3.5790% | 2,172 |
| Noninterest income to average assets | 0.0900% | 4,407 |
| Noninterest expense to average assets | 1.7682% | 4,079 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.3557% | 1,524 |
| Return on assets (ROA) | 1.3557% | 1,494 |
| Pretax return on assets | 1.7770% | 1,115 |
| Return on Equity (ROE) | 10.4400% | 2,653 |
| Retained earnings to average equity (ytd only) | 10.4433% | 1,591 |
| Net charge-offs to loans | -0.0014% | 3,366 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 49.8758% | 3,950 |
| Assets per employee ($millions) | 7.4932% | 1,625 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4254% | 1,513 |
| Loan loss allowance to noncurrent loans | 3,699.0741% | 376 |
| Noncurrent assets plus other real estate owned to assets | 0.0343% | 3,439 |
| Noncurrent loans to loans | 0.0385% | 3,468 |
| Net loans and leases to total assets | 87.7900% | 81 |
| Net loans and leases to deposits | 108.1136% | 214 |
| Net loans and leases to core deposits | 114.2450% | 576 |
| Total domestic deposits to total assets | 81.2000% | 3,608 |
| Equity capital to assets | 13.2167% | 714 |
| Core capital (leverage) ratio | 13.4270% | 852 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $318,070,000 | 2,369 |
| Average earning assets | $307,463,000 | 2,302 |
| Average equity | $41,289,500 | 1,857 |
| Average total loans | $278,737,500 | 1,885 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5656% | 2,896 |
| Cost of funding earning assets | 0.1941% | 3,807 |
| Net interest margin | 3.3715% | 2,339 |
| Noninterest income to average assets | 0.0900% | 4,461 |
| Noninterest expense to average assets | 1.6583% | 4,233 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.2909% | 1,466 |
| Return on assets (ROA) | 1.2909% | 1,424 |
| Pretax return on assets | 1.6908% | 942 |
| Return on Equity (ROE) | 10.3200% | 2,709 |
| Retained earnings to average equity (ytd only) | 6.7446% | 2,344 |
| Net charge-offs to loans | -0.0178% | 4,025 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 49.5142% | 4,154 |
| Assets per employee ($millions) | 7.8396% | 1,414 |
| Cash dividends to net income (ytd only)* | 34.6549% | 2,180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2186% | 2,306 |
| Loan loss allowance to noncurrent loans | 3,157.0093% | 429 |
| Noncurrent assets plus other real estate owned to assets | 0.0333% | 3,473 |
| Noncurrent loans to loans | 0.0386% | 3,497 |
| Net loans and leases to total assets | 85.1900% | 200 |
| Net loans and leases to deposits | 100.6514% | 416 |
| Net loans and leases to core deposits | 105.3453% | 775 |
| Total domestic deposits to total assets | 84.6400% | 3,073 |
| Equity capital to assets | 12.7507% | 755 |
| Core capital (leverage) ratio | 12.9209% | 961 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $316,531,200 | 2,369 |
| Average earning assets | $306,091,000 | 2,304 |
| Average equity | $39,587,400 | 1,926 |
| Average total loans | $264,375,000 | 1,877 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3841% | 2,959 |
| Cost of funding earning assets | 0.1875% | 3,424 |
| Net interest margin | 3.1966% | 2,637 |
| Noninterest income to average assets | 0.0900% | 4,493 |
| Noninterest expense to average assets | 1.6200% | 4,285 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.1980% | 1,698 |
| Return on assets (ROA) | 1.1980% | 1,674 |
| Pretax return on assets | 1.5620% | 1,223 |
| Return on Equity (ROE) | 9.6300% | 2,836 |
| Retained earnings to average equity (ytd only) | 7.0168% | 2,354 |
| Net charge-offs to loans | -0.0240% | 4,051 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 50.9103% | 4,102 |
| Assets per employee ($millions) | 7.4667% | 1,632 |
| Cash dividends to net income (ytd only)* | 27.1091% | 2,155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2456% | 2,283 |
| Loan loss allowance to noncurrent loans | 3,127.7778% | 398 |
| Noncurrent assets plus other real estate owned to assets | 0.0336% | 3,581 |
| Noncurrent loans to loans | 0.0398% | 3,606 |
| Net loans and leases to total assets | 83.4200% | 291 |
| Net loans and leases to deposits | 98.3703% | 435 |
| Net loans and leases to core deposits | 101.8865% | 749 |
| Total domestic deposits to total assets | 84.8000% | 3,334 |
| Equity capital to assets | 12.5768% | 755 |
| Core capital (leverage) ratio | 12.7866% | 973 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $315,307,750 | 2,393 |
| Average earning assets | $305,028,750 | 2,323 |
| Average equity | $39,238,250 | 1,972 |
| Average total loans | $261,169,000 | 1,890 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2270% | 2,963 |
| Cost of funding earning assets | 0.1838% | 3,133 |
| Net interest margin | 3.0432% | 2,743 |
| Noninterest income to average assets | 0.0881% | 4,532 |
| Noninterest expense to average assets | 1.6299% | 4,264 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.0753% | 1,876 |
| Return on assets (ROA) | 1.0753% | 1,852 |
| Pretax return on assets | 1.4066% | 1,418 |
| Return on Equity (ROE) | 8.6727% | 2,799 |
| Retained earnings to average equity (ytd only) | 4.7198% | 2,808 |
| Net charge-offs to loans | -0.0031% | 3,212 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.6780% | 3,996 |
| Assets per employee ($millions) | 7.5213% | 1,596 |
| Cash dividends to net income (ytd only)* | 45.5786% | 1,488 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2385% | 2,477 |
| Loan loss allowance to noncurrent loans | 3,031.8182% | 386 |
| Noncurrent assets plus other real estate owned to assets | 0.0340% | 3,644 |
| Noncurrent loans to loans | 0.0409% | 3,641 |
| Net loans and leases to total assets | 82.2265% | 275 |
| Net loans and leases to deposits | 96.4035% | 416 |
| Net loans and leases to core deposits | 99.7532% | 678 |
| Total domestic deposits to total assets | 85.2941% | 3,415 |
| Equity capital to assets | 12.1306% | 834 |
| Core capital (leverage) ratio | 12.6041% | 938 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $313,388,000 | 2,420 |
| Average earning assets | $303,625,667 | 2,358 |
| Average equity | $38,857,667 | 2,048 |
| Average total loans | $257,825,000 | 1,907 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1577% | 2,807 |
| Cost of funding earning assets | 0.1887% | 2,964 |
| Net interest margin | 2.9689% | 2,606 |
| Noninterest income to average assets | 0.0830% | 4,563 |
| Noninterest expense to average assets | 1.7498% | 4,052 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.9236% | 2,185 |
| Return on assets (ROA) | 0.9236% | 2,178 |
| Pretax return on assets | 1.2102% | 1,772 |
| Return on Equity (ROE) | 7.3648% | 2,922 |
| Retained earnings to average equity (ytd only) | 7.3648% | 1,778 |
| Net charge-offs to loans | -0.0032% | 3,207 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1148% | 3,572 |
| Assets per employee ($millions) | 7.2103% | 1,846 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3071% | 2,326 |
| Loan loss allowance to noncurrent loans | 1,161.3240% | 818 |
| Noncurrent assets plus other real estate owned to assets | 0.0948% | 3,144 |
| Noncurrent loans to loans | 0.1126% | 3,269 |
| Net loans and leases to total assets | 83.1016% | 118 |
| Net loans and leases to deposits | 98.5457% | 214 |
| Net loans and leases to core deposits | 100.6809% | 492 |
| Total domestic deposits to total assets | 84.3280% | 3,699 |
| Equity capital to assets | 12.8870% | 715 |
| Core capital (leverage) ratio | 12.6151% | 868 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $308,375,000 | 2,461 |
| Average earning assets | $298,828,500 | 2,397 |
| Average equity | $38,670,500 | 2,102 |
| Average total loans | $252,104,000 | 1,926 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2114% | 3,448 |
| Cost of funding earning assets | 0.2704% | 2,699 |
| Net interest margin | 2.9410% | 3,345 |
| Noninterest income to average assets | 0.0928% | 4,635 |
| Noninterest expense to average assets | 1.6462% | 4,366 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.9923% | 2,703 |
| Return on assets (ROA) | 0.9923% | 2,769 |
| Pretax return on assets | 1.2805% | 2,415 |
| Return on Equity (ROE) | 7.9495% | 3,235 |
| Retained earnings to average equity (ytd only) | 4.8198% | 2,848 |
| Net charge-offs to loans | -0.0021% | 3,367 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.2479% | 3,677 |
| Assets per employee ($millions) | 7.3004% | 1,726 |
| Cash dividends to net income (ytd only)* | 39.3696% | 2,066 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3366% | 2,199 |
| Loan loss allowance to noncurrent loans | 230.6787% | 2,405 |
| Noncurrent assets plus other real estate owned to assets | 0.4600% | 1,433 |
| Noncurrent loans to loans | 0.5794% | 1,688 |
| Net loans and leases to total assets | 78.3280% | 362 |
| Net loans and leases to deposits | 93.7437% | 393 |
| Net loans and leases to core deposits | 95.7261% | 703 |
| Total domestic deposits to total assets | 83.5555% | 3,675 |
| Equity capital to assets | 12.2055% | 1,171 |
| Core capital (leverage) ratio | 12.5576% | 907 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $300,510,200 | 2,432 |
| Average earning assets | $289,560,200 | 2,380 |
| Average equity | $37,511,800 | 2,176 |
| Average total loans | $242,879,800 | 1,977 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2594% | 3,486 |
| Cost of funding earning assets | 0.2936% | 2,655 |
| Net interest margin | 2.9657% | 3,399 |
| Noninterest income to average assets | 0.0933% | 4,693 |
| Noninterest expense to average assets | 1.6691% | 4,374 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.9790% | 2,992 |
| Return on assets (ROA) | 0.9790% | 3,073 |
| Pretax return on assets | 1.2792% | 2,677 |
| Return on Equity (ROE) | 7.7973% | 3,460 |
| Retained earnings to average equity (ytd only) | 5.6997% | 2,957 |
| Net charge-offs to loans | -0.0022% | 3,242 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.6124% | 3,459 |
| Assets per employee ($millions) | 6.7462% | 2,057 |
| Cash dividends to net income (ytd only)* | 26.9019% | 2,228 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3608% | 2,176 |
| Loan loss allowance to noncurrent loans | 228.9546% | 2,363 |
| Noncurrent assets plus other real estate owned to assets | 0.4790% | 1,586 |
| Noncurrent loans to loans | 0.5943% | 1,826 |
| Net loans and leases to total assets | 79.4887% | 321 |
| Net loans and leases to deposits | 98.0401% | 273 |
| Net loans and leases to core deposits | 99.7326% | 595 |
| Total domestic deposits to total assets | 81.0777% | 4,083 |
| Equity capital to assets | 12.5509% | 1,153 |
| Core capital (leverage) ratio | 12.5512% | 967 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $297,158,500 | 2,470 |
| Average earning assets | $286,062,000 | 2,420 |
| Average equity | $37,311,000 | 2,211 |
| Average total loans | $241,295,750 | 2,019 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3076% | 3,404 |
| Cost of funding earning assets | 0.3187% | 2,601 |
| Net interest margin | 2.9889% | 3,353 |
| Noninterest income to average assets | 0.0895% | 4,733 |
| Noninterest expense to average assets | 1.6616% | 4,423 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.9979% | 2,886 |
| Return on assets (ROA) | 0.9979% | 2,968 |
| Pretax return on assets | 1.3016% | 2,626 |
| Return on Equity (ROE) | 7.9466% | 3,421 |
| Retained earnings to average equity (ytd only) | 4.7777% | 3,269 |
| Net charge-offs to loans | -0.0017% | 3,157 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.0741% | 3,532 |
| Assets per employee ($millions) | 7.2987% | 1,593 |
| Cash dividends to net income (ytd only)* | 39.8777% | 1,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3861% | 2,037 |
| Loan loss allowance to noncurrent loans | 227.4094% | 2,285 |
| Noncurrent assets plus other real estate owned to assets | 0.4773% | 1,760 |
| Noncurrent loans to loans | 0.6095% | 1,879 |
| Net loans and leases to total assets | 77.2163% | 498 |
| Net loans and leases to deposits | 94.7255% | 431 |
| Net loans and leases to core deposits | 96.2133% | 793 |
| Total domestic deposits to total assets | 81.5159% | 4,008 |
| Equity capital to assets | 12.1976% | 1,273 |
| Core capital (leverage) ratio | 12.6268% | 882 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $295,018,333 | 2,476 |
| Average earning assets | $283,651,667 | 2,429 |
| Average equity | $37,047,333 | 2,212 |
| Average total loans | $240,181,000 | 2,030 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4835% | 2,973 |
| Cost of funding earning assets | 0.3613% | 2,434 |
| Net interest margin | 3.1222% | 2,920 |
| Noninterest income to average assets | 0.0761% | 4,780 |
| Noninterest expense to average assets | 1.7355% | 4,311 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.0192% | 2,753 |
| Return on assets (ROA) | 1.0192% | 2,836 |
| Pretax return on assets | 1.3400% | 2,457 |
| Return on Equity (ROE) | 7.9945% | 3,320 |
| Retained earnings to average equity (ytd only) | 7.9945% | 2,237 |
| Net charge-offs to loans | -0.0050% | 3,393 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.4299% | 3,498 |
| Assets per employee ($millions) | 7.0348% | 1,784 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3928% | 1,991 |
| Loan loss allowance to noncurrent loans | 221.7189% | 2,202 |
| Noncurrent assets plus other real estate owned to assets | 0.5204% | 1,820 |
| Noncurrent loans to loans | 0.6282% | 1,999 |
| Net loans and leases to total assets | 81.6907% | 240 |
| Net loans and leases to deposits | 102.1592% | 240 |
| Net loans and leases to core deposits | 104.1507% | 569 |
| Total domestic deposits to total assets | 79.9641% | 4,209 |
| Equity capital to assets | 12.9128% | 940 |
| Core capital (leverage) ratio | 13.2820% | 785 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $289,255,500 | 2,490 |
| Average earning assets | $277,881,500 | 2,445 |
| Average equity | $36,875,500 | 2,209 |
| Average total loans | $240,257,000 | 2,029 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7820% | 3,352 |
| Cost of funding earning assets | 0.6184% | 2,192 |
| Net interest margin | 3.1636% | 3,456 |
| Noninterest income to average assets | 0.0520% | 4,859 |
| Noninterest expense to average assets | 1.7269% | 4,585 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 1.0297% | 2,179 |
| Return on assets (ROA) | 1.0297% | 2,324 |
| Pretax return on assets | 1.3475% | 1,827 |
| Return on Equity (ROE) | 8.0626% | 2,793 |
| Retained earnings to average equity (ytd only) | 5.1366% | 2,219 |
| Net charge-offs to loans | 0.0038% | 3,228 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | 417.8889% | 270 |
| Efficiency ratio | 56.1706% | 3,968 |
| Assets per employee ($millions) | 7.0752% | 1,530 |
| Cash dividends to net income (ytd only)* | 36.2909% | 2,540 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3764% | 2,070 |
| Loan loss allowance to noncurrent loans | 203.8627% | 2,316 |
| Noncurrent assets plus other real estate owned to assets | 0.5623% | 1,880 |
| Noncurrent loans to loans | 0.6752% | 1,997 |
| Net loans and leases to total assets | 82.1290% | 285 |
| Net loans and leases to deposits | 105.7950% | 230 |
| Net loans and leases to core deposits | 107.7808% | 580 |
| Total domestic deposits to total assets | 77.6303% | 4,357 |
| Equity capital to assets | 12.5850% | 1,277 |
| Core capital (leverage) ratio | 12.8802% | 929 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $279,110,000 | 2,402 |
| Average earning assets | $266,656,000 | 2,359 |
| Average equity | $35,646,200 | 2,198 |
| Average total loans | $235,324,000 | 1,995 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8402% | 3,441 |
| Cost of funding earning assets | 0.6637% | 2,241 |
| Net interest margin | 3.1765% | 3,550 |
| Noninterest income to average assets | 0.0381% | 4,914 |
| Noninterest expense to average assets | 1.7484% | 4,568 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.0078% | 2,311 |
| Return on assets (ROA) | 1.0078% | 2,442 |
| Pretax return on assets | 1.3238% | 1,958 |
| Return on Equity (ROE) | 7.8611% | 2,860 |
| Retained earnings to average equity (ytd only) | 5.8968% | 2,145 |
| Net charge-offs to loans | 0.0068% | 2,877 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 228.6667% | 454 |
| Efficiency ratio | 56.9095% | 3,805 |
| Assets per employee ($millions) | 7.0939% | 1,434 |
| Cash dividends to net income (ytd only)* | 24.9880% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3826% | 1,807 |
| Loan loss allowance to noncurrent loans | 191.2493% | 2,289 |
| Noncurrent assets plus other real estate owned to assets | 0.5972% | 1,938 |
| Noncurrent loans to loans | 0.7229% | 1,994 |
| Net loans and leases to total assets | 81.4680% | 486 |
| Net loans and leases to deposits | 105.7001% | 332 |
| Net loans and leases to core deposits | 109.3004% | 722 |
| Total domestic deposits to total assets | 77.0746% | 4,315 |
| Equity capital to assets | 12.4608% | 1,445 |
| Core capital (leverage) ratio | 12.8095% | 1,002 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $276,366,500 | 2,396 |
| Average earning assets | $263,969,750 | 2,354 |
| Average equity | $35,431,000 | 2,191 |
| Average total loans | $233,763,000 | 2,007 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9083% | 3,593 |
| Cost of funding earning assets | 0.7150% | 2,306 |
| Net interest margin | 3.1933% | 3,686 |
| Noninterest income to average assets | 0.0390% | 4,937 |
| Noninterest expense to average assets | 1.7972% | 4,560 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.9848% | 2,383 |
| Return on assets (ROA) | 0.9848% | 2,516 |
| Pretax return on assets | 1.2912% | 2,059 |
| Return on Equity (ROE) | 7.6051% | 2,894 |
| Retained earnings to average equity (ytd only) | 4.6359% | 2,647 |
| Net charge-offs to loans | 0.0069% | 2,711 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 219.1250% | 414 |
| Efficiency ratio | 58.1922% | 3,664 |
| Assets per employee ($millions) | 6.9314% | 1,474 |
| Cash dividends to net income (ytd only)* | 39.0426% | 1,990 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4171% | 1,528 |
| Loan loss allowance to noncurrent loans | 157.7051% | 2,520 |
| Noncurrent assets plus other real estate owned to assets | 0.8744% | 1,412 |
| Noncurrent loans to loans | 0.8986% | 1,704 |
| Net loans and leases to total assets | 81.4189% | 460 |
| Net loans and leases to deposits | 110.0452% | 231 |
| Net loans and leases to core deposits | 114.2363% | 587 |
| Total domestic deposits to total assets | 73.9868% | 4,596 |
| Equity capital to assets | 12.4883% | 1,382 |
| Core capital (leverage) ratio | 12.8687% | 1,052 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $271,539,333 | 2,407 |
| Average earning assets | $259,296,667 | 2,363 |
| Average equity | $35,160,667 | 2,197 |
| Average total loans | $231,594,000 | 2,003 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0987% | 3,531 |
| Cost of funding earning assets | 0.7753% | 2,518 |
| Net interest margin | 3.3233% | 3,533 |
| Noninterest income to average assets | 0.0106% | 5,042 |
| Noninterest expense to average assets | 1.9139% | 4,525 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.9683% | 2,288 |
| Return on assets (ROA) | 0.9683% | 2,392 |
| Pretax return on assets | 1.2578% | 2,008 |
| Return on Equity (ROE) | 7.3380% | 2,805 |
| Retained earnings to average equity (ytd only) | 7.3380% | 1,430 |
| Net charge-offs to loans | 0.0191% | 1,983 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 75.8182% | 694 |
| Efficiency ratio | 60.3424% | 3,695 |
| Assets per employee ($millions) | 6.6675% | 1,254 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4274% | 1,601 |
| Loan loss allowance to noncurrent loans | 167.4899% | 2,348 |
| Noncurrent assets plus other real estate owned to assets | 1.0870% | 1,199 |
| Noncurrent loans to loans | 0.8522% | 1,912 |
| Net loans and leases to total assets | 86.0442% | 140 |
| Net loans and leases to deposits | 119.6400% | 83 |
| Net loans and leases to core deposits | 124.4706% | 358 |
| Total domestic deposits to total assets | 71.9193% | 4,775 |
| Equity capital to assets | 13.2423% | 1,321 |
| Core capital (leverage) ratio | 13.3748% | 1,076 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $265,216,000 | 2,392 |
| Average earning assets | $252,278,000 | 2,356 |
| Average equity | $34,996,000 | 2,203 |
| Average total loans | $230,037,500 | 1,989 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1359% | 3,962 |
| Cost of funding earning assets | 0.8168% | 2,605 |
| Net interest margin | 3.3192% | 3,944 |
| Noninterest income to average assets | 0.0630% | 5,005 |
| Noninterest expense to average assets | 1.9131% | 4,646 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.0013% | 2,847 |
| Return on assets (ROA) | 1.0088% | 2,903 |
| Pretax return on assets | 1.3207% | 2,438 |
| Return on Equity (ROE) | 7.7993% | 3,251 |
| Retained earnings to average equity (ytd only) | 5.1051% | 2,364 |
| Net charge-offs to loans | 0.0524% | 2,365 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 29.3590% | 1,604 |
| Efficiency ratio | 59.3347% | 3,786 |
| Assets per employee ($millions) | 6.1333% | 1,532 |
| Cash dividends to net income (ytd only)* | 34.5441% | 2,877 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4670% | 1,318 |
| Loan loss allowance to noncurrent loans | 196.2331% | 2,120 |
| Noncurrent assets plus other real estate owned to assets | 1.2122% | 965 |
| Noncurrent loans to loans | 0.7476% | 2,014 |
| Net loans and leases to total assets | 84.9113% | 248 |
| Net loans and leases to deposits | 111.0847% | 169 |
| Net loans and leases to core deposits | 115.8062% | 606 |
| Total domestic deposits to total assets | 76.4383% | 4,557 |
| Equity capital to assets | 13.1478% | 1,436 |
| Core capital (leverage) ratio | 13.4122% | 1,078 |
| Tier 1 risk-based capital ratio | 22.7490% | 937 |
| Total risk-based capital ratio | 24.0107% | 922 |
| Memoranda: | ||
| Average total assets | $261,989,400 | 2,387 |
| Average earning assets | $249,520,200 | 2,341 |
| Average equity | $33,887,800 | 2,195 |
| Average total loans | $223,300,600 | 2,009 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1593% | 4,019 |
| Cost of funding earning assets | 0.8293% | 2,571 |
| Net interest margin | 3.3300% | 4,041 |
| Noninterest income to average assets | 0.0760% | 5,056 |
| Noninterest expense to average assets | 1.9300% | 4,669 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.0103% | 2,946 |
| Return on assets (ROA) | 1.0103% | 3,025 |
| Pretax return on assets | 1.3208% | 2,595 |
| Return on Equity (ROE) | 7.8436% | 3,368 |
| Retained earnings to average equity (ytd only) | 6.0351% | 2,358 |
| Net charge-offs to loans | 0.0720% | 1,801 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 21.5911% | 1,905 |
| Efficiency ratio | 59.3696% | 3,752 |
| Assets per employee ($millions) | 6.2573% | 1,421 |
| Cash dividends to net income (ytd only)* | 23.0576% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4827% | 1,290 |
| Loan loss allowance to noncurrent loans | 194.0012% | 2,144 |
| Noncurrent assets plus other real estate owned to assets | 1.1541% | 1,122 |
| Noncurrent loans to loans | 0.7643% | 2,062 |
| Net loans and leases to total assets | 84.2183% | 328 |
| Net loans and leases to deposits | 110.2131% | 217 |
| Net loans and leases to core deposits | 114.8990% | 710 |
| Total domestic deposits to total assets | 76.4141% | 4,597 |
| Equity capital to assets | 13.1238% | 1,552 |
| Core capital (leverage) ratio | 13.2579% | 1,231 |
| Tier 1 risk-based capital ratio | 22.5600% | 1,001 |
| Total risk-based capital ratio | 23.8218% | 967 |
| Memoranda: | ||
| Average total assets | $261,553,500 | 2,407 |
| Average earning assets | $249,363,250 | 2,357 |
| Average equity | $33,691,000 | 2,221 |
| Average total loans | $222,307,500 | 2,024 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0770% | 4,219 |
| Cost of funding earning assets | 0.8328% | 2,491 |
| Net interest margin | 3.2443% | 4,253 |
| Noninterest income to average assets | 0.0904% | 5,075 |
| Noninterest expense to average assets | 1.9400% | 4,697 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.9734% | 3,011 |
| Return on assets (ROA) | 0.9734% | 3,083 |
| Pretax return on assets | 1.2446% | 2,770 |
| Return on Equity (ROE) | 7.6052% | 3,449 |
| Retained earnings to average equity (ytd only) | 4.8707% | 2,831 |
| Net charge-offs to loans | 0.1120% | 1,298 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 13.1048% | 2,121 |
| Efficiency ratio | 60.9187% | 3,591 |
| Assets per employee ($millions) | 6.0343% | 1,519 |
| Cash dividends to net income (ytd only)* | 35.9559% | 2,373 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4999% | 1,280 |
| Loan loss allowance to noncurrent loans | 197.4481% | 2,173 |
| Noncurrent assets plus other real estate owned to assets | 1.2714% | 1,016 |
| Noncurrent loans to loans | 0.7596% | 2,081 |
| Net loans and leases to total assets | 84.2065% | 342 |
| Net loans and leases to deposits | 108.5517% | 256 |
| Net loans and leases to core deposits | 112.7955% | 832 |
| Total domestic deposits to total assets | 77.5727% | 4,467 |
| Equity capital to assets | 13.0202% | 1,578 |
| Core capital (leverage) ratio | 13.0568% | 1,269 |
| Tier 1 risk-based capital ratio | 22.4347% | 1,004 |
| Total risk-based capital ratio | 23.6966% | 984 |
| Memoranda: | ||
| Average total assets | $261,136,330 | 2,413 |
| Average earning assets | $249,053,670 | 2,369 |
| Average equity | $33,424,670 | 2,229 |
| Average total loans | $221,523,000 | 2,038 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9771% | 4,414 |
| Cost of funding earning assets | 0.8361% | 2,346 |
| Net interest margin | 3.1410% | 4,511 |
| Noninterest income to average assets | 0.0870% | 5,127 |
| Noninterest expense to average assets | 1.9086% | 4,787 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.8780% | 3,317 |
| Return on assets (ROA) | 0.8780% | 3,366 |
| Pretax return on assets | 1.1727% | 2,910 |
| Return on Equity (ROE) | 6.9183% | 3,709 |
| Retained earnings to average equity (ytd only) | 6.9183% | 2,074 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9425% | 3,542 |
| Assets per employee ($millions) | 6.2533% | 1,372 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5639% | 1,147 |
| Loan loss allowance to noncurrent loans | 96.7480% | 3,424 |
| Noncurrent assets plus other real estate owned to assets | 1.7836% | 595 |
| Noncurrent loans to loans | 1.6165% | 978 |
| Net loans and leases to total assets | 84.7195% | 308 |
| Net loans and leases to deposits | 109.0943% | 244 |
| Net loans and leases to core deposits | 113.9589% | 746 |
| Total domestic deposits to total assets | 77.6571% | 4,570 |
| Equity capital to assets | 13.0811% | 1,406 |
| Core capital (leverage) ratio | 12.9721% | 1,289 |
| Tier 1 risk-based capital ratio | 22.3326% | 1,012 |
| Total risk-based capital ratio | 23.5958% | 991 |
| Memoranda: | ||
| Average total assets | $261,967,500 | 2,430 |
| Average earning assets | $249,728,500 | 2,384 |
| Average equity | $33,245,000 | 2,238 |
| Average total loans | $221,374,000 | 2,060 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8922% | 4,289 |
| Cost of funding earning assets | 0.6707% | 2,260 |
| Net interest margin | 3.2215% | 4,441 |
| Noninterest income to average assets | -0.1726% | 5,381 |
| Noninterest expense to average assets | 1.8496% | 4,954 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.1175% | 2,525 |
| Return on assets (ROA) | 1.1175% | 2,527 |
| Pretax return on assets | 1.0315% | 3,508 |
| Return on Equity (ROE) | 9.0494% | 2,970 |
| Retained earnings to average equity (ytd only) | 6.6061% | 1,860 |
| Net charge-offs to loans | -0.0056% | 4,374 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1969% | 3,160 |
| Assets per employee ($millions) | 6.6887% | 1,123 |
| Cash dividends to net income (ytd only)* | 27.0000% | 3,174 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5539% | 1,136 |
| Loan loss allowance to noncurrent loans | 131.7679% | 2,950 |
| Noncurrent assets plus other real estate owned to assets | 1.4042% | 865 |
| Noncurrent loans to loans | 1.1793% | 1,364 |
| Net loans and leases to total assets | 81.7185% | 694 |
| Net loans and leases to deposits | 103.5556% | 505 |
| Net loans and leases to core deposits | 108.2195% | 1,107 |
| Total domestic deposits to total assets | 78.9126% | 4,329 |
| Equity capital to assets | 12.3162% | 1,689 |
| Core capital (leverage) ratio | 12.7429% | 1,350 |
| Tier 1 risk-based capital ratio | 21.6234% | 1,076 |
| Total risk-based capital ratio | 22.8862% | 1,056 |
| Memoranda: | ||
| Average total assets | $259,513,800 | 2,405 |
| Average earning assets | $246,004,400 | 2,367 |
| Average equity | $32,046,200 | 2,216 |
| Average total loans | $216,201,000 | 2,057 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8650% | 4,292 |
| Cost of funding earning assets | 0.6311% | 2,264 |
| Net interest margin | 3.2339% | 4,442 |
| Noninterest income to average assets | -0.1926% | 5,457 |
| Noninterest expense to average assets | 1.9018% | 4,897 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.1945% | 2,264 |
| Return on assets (ROA) | 1.1945% | 2,264 |
| Pretax return on assets | 0.9698% | 3,818 |
| Return on Equity (ROE) | 9.6667% | 2,768 |
| Retained earnings to average equity (ytd only) | 8.0242% | 1,640 |
| Net charge-offs to loans | -0.0062% | 4,268 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2279% | 2,824 |
| Assets per employee ($millions) | 6.2320% | 1,330 |
| Cash dividends to net income (ytd only)* | 16.9917% | 3,131 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5866% | 1,109 |
| Loan loss allowance to noncurrent loans | 141.7591% | 2,866 |
| Noncurrent assets plus other real estate owned to assets | 1.4790% | 870 |
| Noncurrent loans to loans | 1.1192% | 1,523 |
| Net loans and leases to total assets | 83.7290% | 486 |
| Net loans and leases to deposits | 106.1854% | 434 |
| Net loans and leases to core deposits | 110.9437% | 981 |
| Total domestic deposits to total assets | 78.8517% | 4,346 |
| Equity capital to assets | 12.8148% | 1,412 |
| Core capital (leverage) ratio | 12.7007% | 1,416 |
| Tier 1 risk-based capital ratio | 21.8924% | 1,065 |
| Total risk-based capital ratio | 23.1559% | 1,042 |
| Memoranda: | ||
| Average total assets | $257,505,000 | 2,435 |
| Average earning assets | $243,996,000 | 2,400 |
| Average equity | $31,819,750 | 2,231 |
| Average total loans | $214,729,250 | 2,072 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8249% | 4,287 |
| Cost of funding earning assets | 0.5865% | 2,321 |
| Net interest margin | 3.2384% | 4,418 |
| Noninterest income to average assets | -0.1859% | 5,520 |
| Noninterest expense to average assets | 1.9313% | 4,917 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.4107% | 1,397 |
| Return on assets (ROA) | 1.4107% | 1,401 |
| Pretax return on assets | 0.9498% | 3,808 |
| Return on Equity (ROE) | 11.5575% | 1,884 |
| Retained earnings to average equity (ytd only) | 9.0696% | 1,190 |
| Net charge-offs to loans | -0.0037% | 4,042 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0341% | 2,816 |
| Assets per employee ($millions) | 6.1445% | 1,369 |
| Cash dividends to net income (ytd only)* | 21.5266% | 2,945 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5953% | 1,128 |
| Loan loss allowance to noncurrent loans | 139.8457% | 2,896 |
| Noncurrent assets plus other real estate owned to assets | 1.6712% | 739 |
| Noncurrent loans to loans | 1.1408% | 1,537 |
| Net loans and leases to total assets | 82.2932% | 682 |
| Net loans and leases to deposits | 102.7933% | 608 |
| Net loans and leases to core deposits | 107.5453% | 1,149 |
| Total domestic deposits to total assets | 80.0570% | 4,224 |
| Equity capital to assets | 12.5016% | 1,531 |
| Core capital (leverage) ratio | 12.4466% | 1,465 |
| Tier 1 risk-based capital ratio | 21.3866% | 1,111 |
| Total risk-based capital ratio | 22.6502% | 1,090 |
| Memoranda: | ||
| Average total assets | $258,170,000 | 2,437 |
| Average earning assets | $244,504,000 | 2,399 |
| Average equity | $31,512,000 | 2,256 |
| Average total loans | $213,844,000 | 2,081 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7586% | 4,332 |
| Cost of funding earning assets | 0.4962% | 2,825 |
| Net interest margin | 3.2624% | 4,284 |
| Noninterest income to average assets | -0.1286% | 5,592 |
| Noninterest expense to average assets | 1.9998% | 4,852 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.9109% | 3,246 |
| Return on assets (ROA) | 0.9109% | 3,256 |
| Pretax return on assets | 0.9573% | 3,676 |
| Return on Equity (ROE) | 7.5538% | 3,560 |
| Retained earnings to average equity (ytd only) | 7.5538% | 2,017 |
| Net charge-offs to loans | -0.0038% | 3,920 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6270% | 2,891 |
| Assets per employee ($millions) | 5.9841% | 1,530 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6084% | 1,142 |
| Loan loss allowance to noncurrent loans | 135.1001% | 2,930 |
| Noncurrent assets plus other real estate owned to assets | 2.0216% | 559 |
| Noncurrent loans to loans | 1.1905% | 1,532 |
| Net loans and leases to total assets | 83.7539% | 459 |
| Net loans and leases to deposits | 104.8954% | 435 |
| Net loans and leases to core deposits | 107.6368% | 1,148 |
| Total domestic deposits to total assets | 79.8451% | 4,443 |
| Equity capital to assets | 12.5025% | 1,486 |
| Core capital (leverage) ratio | 12.5943% | 1,350 |
| Tier 1 risk-based capital ratio | 21.2485% | 1,165 |
| Total risk-based capital ratio | 22.5119% | 1,133 |
| Memoranda: | ||
| Average total assets | $258,219,500 | 2,458 |
| Average earning assets | $244,239,500 | 2,425 |
| Average equity | $31,136,500 | 2,294 |
| Average total loans | $212,857,000 | 2,094 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7361% | 4,251 |
| Cost of funding earning assets | 0.4584% | 2,693 |
| Net interest margin | 3.2777% | 4,222 |
| Noninterest income to average assets | 0.0055% | 5,609 |
| Noninterest expense to average assets | 1.9577% | 5,028 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.1048% | 1,842 |
| Return on assets (ROA) | 1.1048% | 1,865 |
| Pretax return on assets | 1.1362% | 3,036 |
| Return on Equity (ROE) | 9.4606% | 2,110 |
| Retained earnings to average equity (ytd only) | 7.2629% | 995 |
| Net charge-offs to loans | 0.1075% | 1,997 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 12.9063% | 2,438 |
| Efficiency ratio | 63.2749% | 3,721 |
| Assets per employee ($millions) | 6.3120% | 1,308 |
| Cash dividends to net income (ytd only)* | 23.2302% | 3,562 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6239% | 1,088 |
| Loan loss allowance to noncurrent loans | 133.6053% | 3,020 |
| Noncurrent assets plus other real estate owned to assets | 2.0852% | 522 |
| Noncurrent loans to loans | 1.2155% | 1,455 |
| Net loans and leases to total assets | 78.5847% | 1,201 |
| Net loans and leases to deposits | 96.0108% | 1,087 |
| Net loans and leases to core deposits | 98.4133% | 1,835 |
| Total domestic deposits to total assets | 81.8498% | 3,904 |
| Equity capital to assets | 11.6369% | 2,090 |
| Core capital (leverage) ratio | 11.9165% | 1,657 |
| Tier 1 risk-based capital ratio | 21.0005% | 1,144 |
| Total risk-based capital ratio | 22.2642% | 1,122 |
| Memoranda: | ||
| Average total assets | $254,434,600 | 2,458 |
| Average earning assets | $239,740,000 | 2,424 |
| Average equity | $29,712,800 | 2,377 |
| Average total loans | $208,403,600 | 2,092 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7494% | 4,182 |
| Cost of funding earning assets | 0.4548% | 2,674 |
| Net interest margin | 3.2947% | 4,190 |
| Noninterest income to average assets | 0.0132% | 5,662 |
| Noninterest expense to average assets | 1.9912% | 4,974 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.1005% | 2,091 |
| Return on assets (ROA) | 1.1005% | 2,141 |
| Pretax return on assets | 1.1259% | 3,204 |
| Return on Equity (ROE) | 9.4147% | 2,396 |
| Retained earnings to average equity (ytd only) | 7.9377% | 1,249 |
| Net charge-offs to loans | 0.0899% | 1,900 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 15.1859% | 2,247 |
| Efficiency ratio | 63.8804% | 3,569 |
| Assets per employee ($millions) | 6.4239% | 1,231 |
| Cash dividends to net income (ytd only)* | 15.6883% | 3,304 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6855% | 1,060 |
| Loan loss allowance to noncurrent loans | 126.2272% | 3,128 |
| Noncurrent assets plus other real estate owned to assets | 2.4487% | 451 |
| Noncurrent loans to loans | 1.3353% | 1,423 |
| Net loans and leases to total assets | 79.9732% | 990 |
| Net loans and leases to deposits | 98.2163% | 891 |
| Net loans and leases to core deposits | 100.3183% | 1,679 |
| Total domestic deposits to total assets | 81.4256% | 3,939 |
| Equity capital to assets | 11.8549% | 2,068 |
| Core capital (leverage) ratio | 11.8916% | 1,760 |
| Tier 1 risk-based capital ratio | 20.9949% | 1,198 |
| Total risk-based capital ratio | 22.2593% | 1,167 |
| Memoranda: | ||
| Average total assets | $251,767,000 | 2,494 |
| Average earning assets | $237,185,000 | 2,465 |
| Average equity | $29,428,500 | 2,412 |
| Average total loans | $207,561,750 | 2,105 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7696% | 4,004 |
| Cost of funding earning assets | 0.4504% | 2,598 |
| Net interest margin | 3.3193% | 4,052 |
| Noninterest income to average assets | -0.2288% | 5,771 |
| Noninterest expense to average assets | 2.0565% | 4,861 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.8151% | 3,333 |
| Return on assets (ROA) | 0.8151% | 3,384 |
| Pretax return on assets | 0.8391% | 4,128 |
| Return on Equity (ROE) | 7.0073% | 3,547 |
| Retained earnings to average equity (ytd only) | 4.7655% | 2,877 |
| Net charge-offs to loans | 0.0116% | 3,053 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 87.4167% | 717 |
| Efficiency ratio | 71.0221% | 2,508 |
| Assets per employee ($millions) | 6.1316% | 1,368 |
| Cash dividends to net income (ytd only)* | 31.9921% | 2,700 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7564% | 970 |
| Loan loss allowance to noncurrent loans | 205.3431% | 2,185 |
| Noncurrent assets plus other real estate owned to assets | 2.5780% | 405 |
| Noncurrent loans to loans | 0.8554% | 2,270 |
| Net loans and leases to total assets | 81.2317% | 783 |
| Net loans and leases to deposits | 99.7139% | 760 |
| Net loans and leases to core deposits | 101.8895% | 1,517 |
| Total domestic deposits to total assets | 81.4648% | 4,057 |
| Equity capital to assets | 11.6970% | 2,155 |
| Core capital (leverage) ratio | 11.7377% | 1,807 |
| Tier 1 risk-based capital ratio | 20.1840% | 1,330 |
| Total risk-based capital ratio | 21.4495% | 1,301 |
| Memoranda: | ||
| Average total assets | $250,037,330 | 2,517 |
| Average earning assets | $235,354,000 | 2,487 |
| Average equity | $29,084,000 | 2,431 |
| Average total loans | $207,076,000 | 2,110 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7793% | 3,834 |
| Cost of funding earning assets | 0.4273% | 2,744 |
| Net interest margin | 3.3520% | 3,837 |
| Noninterest income to average assets | -0.1380% | 5,839 |
| Noninterest expense to average assets | 2.1688% | 4,725 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.7828% | 3,293 |
| Return on assets (ROA) | 0.7828% | 3,350 |
| Pretax return on assets | 0.8390% | 3,979 |
| Return on Equity (ROE) | 6.7490% | 3,519 |
| Retained earnings to average equity (ytd only) | 6.7490% | 1,952 |
| Net charge-offs to loans | 0.0271% | 2,215 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 37.3571% | 1,078 |
| Efficiency ratio | 72.1067% | 2,557 |
| Assets per employee ($millions) | 5.9979% | 1,511 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7617% | 1,029 |
| Loan loss allowance to noncurrent loans | 410.9234% | 1,244 |
| Noncurrent assets plus other real estate owned to assets | 2.3822% | 508 |
| Noncurrent loans to loans | 0.4287% | 3,560 |
| Net loans and leases to total assets | 80.7753% | 727 |
| Net loans and leases to deposits | 99.0093% | 683 |
| Net loans and leases to core deposits | 100.7816% | 1,455 |
| Total domestic deposits to total assets | 81.5835% | 4,281 |
| Equity capital to assets | 11.5815% | 2,127 |
| Core capital (leverage) ratio | 11.8883% | 1,698 |
| Tier 1 risk-based capital ratio | 19.8873% | 1,415 |
| Total risk-based capital ratio | 21.1525% | 1,383 |
| Memoranda: | ||
| Average total assets | $249,357,500 | 2,549 |
| Average earning assets | $234,008,500 | 2,519 |
| Average equity | $28,923,000 | 2,447 |
| Average total loans | $206,681,500 | 2,125 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8348% | 3,791 |
| Cost of funding earning assets | 0.3945% | 3,049 |
| Net interest margin | 3.4403% | 3,662 |
| Noninterest income to average assets | -0.2318% | 5,900 |
| Noninterest expense to average assets | 2.6191% | 3,618 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.3521% | 5,078 |
| Return on assets (ROA) | 0.3577% | 5,149 |
| Pretax return on assets | 0.3761% | 5,257 |
| Return on Equity (ROE) | 2.9922% | 5,166 |
| Retained earnings to average equity (ytd only) | 1.6238% | 4,606 |
| Net charge-offs to loans | 0.0010% | 4,254 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 442.5000% | 187 |
| Efficiency ratio | 87.6154% | 705 |
| Assets per employee ($millions) | 5.8763% | 1,558 |
| Cash dividends to net income (ytd only)* | 45.7310% | 2,547 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7761% | 984 |
| Loan loss allowance to noncurrent loans | 308.8533% | 1,603 |
| Noncurrent assets plus other real estate owned to assets | 2.6296% | 434 |
| Noncurrent loans to loans | 0.5751% | 3,118 |
| Net loans and leases to total assets | 82.0769% | 595 |
| Net loans and leases to deposits | 98.8551% | 752 |
| Net loans and leases to core deposits | 101.1803% | 1,520 |
| Total domestic deposits to total assets | 83.0275% | 3,761 |
| Equity capital to assets | 11.6169% | 2,070 |
| Core capital (leverage) ratio | 11.8828% | 1,678 |
| Tier 1 risk-based capital ratio | 19.5293% | 1,470 |
| Total risk-based capital ratio | 20.7949% | 1,427 |
| Memoranda: | ||
| Average total assets | $239,048,400 | 2,586 |
| Average earning assets | $223,817,400 | 2,561 |
| Average equity | $28,574,600 | 2,478 |
| Average total loans | $200,891,000 | 2,118 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8744% | 3,676 |
| Cost of funding earning assets | 0.3932% | 3,089 |
| Net interest margin | 3.4812% | 3,537 |
| Noninterest income to average assets | -0.3565% | 5,973 |
| Noninterest expense to average assets | 2.7357% | 3,235 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.1558% | 5,543 |
| Return on assets (ROA) | 0.1558% | 5,601 |
| Pretax return on assets | 0.1636% | 5,603 |
| Return on Equity (ROE) | 1.2936% | 5,604 |
| Retained earnings to average equity (ytd only) | 0.0747% | 5,318 |
| Net charge-offs to loans | -0.0334% | 5,206 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.3561% | 372 |
| Assets per employee ($millions) | 5.4333% | 1,922 |
| Cash dividends to net income (ytd only)* | 94.2245% | 476 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8316% | 953 |
| Loan loss allowance to noncurrent loans | 256.5608% | 1,850 |
| Noncurrent assets plus other real estate owned to assets | 3.0067% | 381 |
| Noncurrent loans to loans | 0.7139% | 2,896 |
| Net loans and leases to total assets | 83.2858% | 482 |
| Net loans and leases to deposits | 101.2422% | 626 |
| Net loans and leases to core deposits | 103.7226% | 1,364 |
| Total domestic deposits to total assets | 82.2639% | 3,852 |
| Equity capital to assets | 11.8340% | 2,229 |
| Core capital (leverage) ratio | 11.7781% | 1,825 |
| Tier 1 risk-based capital ratio | 19.3859% | 1,576 |
| Total risk-based capital ratio | 20.6519% | 1,533 |
| Memoranda: | ||
| Average total assets | $237,109,250 | 2,612 |
| Average earning assets | $221,756,500 | 2,588 |
| Average equity | $28,550,500 | 2,492 |
| Average total loans | $199,555,500 | 2,128 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8301% | 3,848 |
| Cost of funding earning assets | 0.3804% | 3,245 |
| Net interest margin | 3.4497% | 3,686 |
| Noninterest income to average assets | -0.0820% | 6,033 |
| Noninterest expense to average assets | 2.2617% | 4,708 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.8340% | 3,157 |
| Return on assets (ROA) | 0.8340% | 3,292 |
| Pretax return on assets | 0.8780% | 4,030 |
| Return on Equity (ROE) | 6.8862% | 3,611 |
| Retained earnings to average equity (ytd only) | 5.0634% | 2,689 |
| Net charge-offs to loans | -0.0574% | 5,419 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0366% | 2,648 |
| Assets per employee ($millions) | 5.4018% | 1,882 |
| Cash dividends to net income (ytd only)* | 26.4706% | 2,978 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8527% | 978 |
| Loan loss allowance to noncurrent loans | 176.5655% | 2,531 |
| Noncurrent assets plus other real estate owned to assets | 3.6785% | 273 |
| Noncurrent loans to loans | 1.0493% | 2,186 |
| Net loans and leases to total assets | 82.9598% | 519 |
| Net loans and leases to deposits | 100.9027% | 636 |
| Net loans and leases to core deposits | 102.8485% | 1,412 |
| Total domestic deposits to total assets | 82.2176% | 3,933 |
| Equity capital to assets | 12.2043% | 1,968 |
| Core capital (leverage) ratio | 12.2740% | 1,471 |
| Tier 1 risk-based capital ratio | 19.9146% | 1,477 |
| Total risk-based capital ratio | 21.1812% | 1,433 |
| Memoranda: | ||
| Average total assets | $236,457,000 | 2,628 |
| Average earning assets | $220,831,670 | 2,604 |
| Average equity | $28,637,000 | 2,488 |
| Average total loans | $198,466,330 | 2,142 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8051% | 3,923 |
| Cost of funding earning assets | 0.3689% | 3,411 |
| Net interest margin | 3.4362% | 3,735 |
| Noninterest income to average assets | -0.1560% | 6,105 |
| Noninterest expense to average assets | 2.3236% | 4,594 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.7005% | 3,709 |
| Return on assets (ROA) | 0.7005% | 3,826 |
| Pretax return on assets | 0.7276% | 4,424 |
| Return on Equity (ROE) | 5.8063% | 4,074 |
| Retained earnings to average equity (ytd only) | 5.8063% | 2,464 |
| Net charge-offs to loans | -0.0203% | 4,866 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1534% | 2,157 |
| Assets per employee ($millions) | 5.2832% | 2,048 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8583% | 1,037 |
| Loan loss allowance to noncurrent loans | 161.6806% | 2,621 |
| Noncurrent assets plus other real estate owned to assets | 3.9353% | 264 |
| Noncurrent loans to loans | 1.1494% | 2,110 |
| Net loans and leases to total assets | 83.4926% | 415 |
| Net loans and leases to deposits | 101.8396% | 516 |
| Net loans and leases to core deposits | 103.8804% | 1,196 |
| Total domestic deposits to total assets | 81.9844% | 4,234 |
| Equity capital to assets | 12.3333% | 1,795 |
| Core capital (leverage) ratio | 12.3528% | 1,407 |
| Tier 1 risk-based capital ratio | 19.8087% | 1,544 |
| Total risk-based capital ratio | 21.0746% | 1,507 |
| Memoranda: | ||
| Average total assets | $235,846,000 | 2,645 |
| Average earning assets | $220,124,500 | 2,621 |
| Average equity | $28,452,000 | 2,489 |
| Average total loans | $197,249,500 | 2,147 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8557% | 3,858 |
| Cost of funding earning assets | 0.3778% | 3,394 |
| Net interest margin | 3.4779% | 3,606 |
| Noninterest income to average assets | -0.0655% | 6,133 |
| Noninterest expense to average assets | 2.3611% | 4,614 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.7130% | 3,751 |
| Return on assets (ROA) | 0.7153% | 3,846 |
| Pretax return on assets | 0.7978% | 4,196 |
| Return on Equity (ROE) | 5.9482% | 4,056 |
| Retained earnings to average equity (ytd only) | 5.0010% | 2,419 |
| Net charge-offs to loans | -0.0058% | 5,000 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8064% | 2,456 |
| Assets per employee ($millions) | 5.4371% | 1,866 |
| Cash dividends to net income (ytd only)* | 15.9243% | 3,918 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8629% | 1,027 |
| Loan loss allowance to noncurrent loans | 181.7055% | 2,435 |
| Noncurrent assets plus other real estate owned to assets | 3.7754% | 283 |
| Noncurrent loans to loans | 1.0252% | 2,287 |
| Net loans and leases to total assets | 80.7049% | 749 |
| Net loans and leases to deposits | 97.6858% | 843 |
| Net loans and leases to core deposits | 99.5699% | 1,545 |
| Total domestic deposits to total assets | 82.6169% | 3,968 |
| Equity capital to assets | 11.8019% | 2,110 |
| Core capital (leverage) ratio | 12.2737% | 1,469 |
| Tier 1 risk-based capital ratio | 19.4625% | 1,591 |
| Total risk-based capital ratio | 20.7280% | 1,556 |
| Memoranda: | ||
| Average total assets | $229,131,600 | 2,673 |
| Average earning assets | $212,255,800 | 2,654 |
| Average equity | $27,554,400 | 2,500 |
| Average total loans | $188,657,200 | 2,166 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8588% | 3,897 |
| Cost of funding earning assets | 0.3803% | 3,433 |
| Net interest margin | 3.4785% | 3,634 |
| Noninterest income to average assets | -0.0824% | 6,231 |
| Noninterest expense to average assets | 2.3906% | 4,537 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.6547% | 4,105 |
| Return on assets (ROA) | 0.6578% | 4,207 |
| Pretax return on assets | 0.7484% | 4,499 |
| Return on Equity (ROE) | 5.4433% | 4,430 |
| Retained earnings to average equity (ytd only) | 5.4433% | 2,614 |
| Net charge-offs to loans | -0.0071% | 4,899 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2432% | 2,208 |
| Assets per employee ($millions) | 5.3233% | 1,934 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9088% | 1,054 |
| Loan loss allowance to noncurrent loans | 176.4933% | 2,500 |
| Noncurrent assets plus other real estate owned to assets | 4.0410% | 291 |
| Noncurrent loans to loans | 1.0815% | 2,325 |
| Net loans and leases to total assets | 82.2583% | 548 |
| Net loans and leases to deposits | 100.4047% | 636 |
| Net loans and leases to core deposits | 102.4451% | 1,345 |
| Total domestic deposits to total assets | 81.9268% | 4,188 |
| Equity capital to assets | 12.2253% | 1,932 |
| Core capital (leverage) ratio | 12.2687% | 1,529 |
| Tier 1 risk-based capital ratio | 19.6155% | 1,647 |
| Total risk-based capital ratio | 20.8817% | 1,608 |
| Memoranda: | ||
| Average total assets | $226,606,500 | 2,717 |
| Average earning assets | $209,627,000 | 2,701 |
| Average equity | $27,384,500 | 2,526 |
| Average total loans | $186,637,250 | 2,199 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8368% | 3,933 |
| Cost of funding earning assets | 0.3809% | 3,478 |
| Net interest margin | 3.4559% | 3,679 |
| Noninterest income to average assets | -0.1107% | 6,304 |
| Noninterest expense to average assets | 2.3680% | 4,664 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.6040% | 4,329 |
| Return on assets (ROA) | 0.6040% | 4,433 |
| Pretax return on assets | 0.7111% | 4,624 |
| Return on Equity (ROE) | 5.0175% | 4,607 |
| Retained earnings to average equity (ytd only) | 5.0175% | 2,853 |
| Net charge-offs to loans | 0.0433% | 2,835 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 20.0750% | 1,724 |
| Efficiency ratio | 76.9054% | 2,215 |
| Assets per employee ($millions) | 5.3766% | 1,859 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9389% | 1,090 |
| Loan loss allowance to noncurrent loans | 171.5235% | 2,525 |
| Noncurrent assets plus other real estate owned to assets | 4.1554% | 310 |
| Noncurrent loans to loans | 1.1304% | 2,390 |
| Net loans and leases to total assets | 79.0598% | 929 |
| Net loans and leases to deposits | 96.0186% | 963 |
| Net loans and leases to core deposits | 97.7553% | 1,667 |
| Total domestic deposits to total assets | 82.3381% | 4,177 |
| Equity capital to assets | 11.9061% | 2,100 |
| Core capital (leverage) ratio | 12.1772% | 1,549 |
| Tier 1 risk-based capital ratio | 19.6077% | 1,640 |
| Total risk-based capital ratio | 20.8743% | 1,606 |
| Memoranda: | ||
| Average total assets | $225,841,330 | 2,740 |
| Average earning assets | $208,455,670 | 2,725 |
| Average equity | $27,184,670 | 2,549 |
| Average total loans | $184,864,670 | 2,224 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8774% | 3,708 |
| Cost of funding earning assets | 0.3833% | 3,488 |
| Net interest margin | 3.4941% | 3,462 |
| Noninterest income to average assets | -0.0538% | 6,361 |
| Noninterest expense to average assets | 2.4592% | 4,412 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.5646% | 4,430 |
| Return on assets (ROA) | 0.5646% | 4,530 |
| Pretax return on assets | 0.7062% | 4,570 |
| Return on Equity (ROE) | 4.6642% | 4,679 |
| Retained earnings to average equity (ytd only) | 4.6642% | 3,227 |
| Net charge-offs to loans | -0.0043% | 4,464 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6897% | 2,233 |
| Assets per employee ($millions) | 5.1253% | 2,194 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9930% | 1,094 |
| Loan loss allowance to noncurrent loans | 139.2762% | 2,952 |
| Noncurrent assets plus other real estate owned to assets | 4.5670% | 292 |
| Noncurrent loans to loans | 1.4310% | 1,998 |
| Net loans and leases to total assets | 81.5779% | 508 |
| Net loans and leases to deposits | 99.9972% | 561 |
| Net loans and leases to core deposits | 101.9126% | 1,185 |
| Total domestic deposits to total assets | 81.5801% | 4,647 |
| Equity capital to assets | 12.3374% | 1,797 |
| Core capital (leverage) ratio | 12.1249% | 1,565 |
| Tier 1 risk-based capital ratio | 19.4263% | 1,756 |
| Total risk-based capital ratio | 20.6931% | 1,710 |
| Memoranda: | ||
| Average total assets | $223,166,000 | 2,778 |
| Average earning assets | $205,601,500 | 2,775 |
| Average equity | $27,014,000 | 2,579 |
| Average total loans | $184,100,000 | 2,240 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0625% | 3,471 |
| Cost of funding earning assets | 0.3934% | 3,756 |
| Net interest margin | 3.6690% | 3,134 |
| Noninterest income to average assets | -0.2625% | 6,483 |
| Noninterest expense to average assets | 2.5697% | 4,325 |
| Loan and lease loss provision to assets | -2.1541% | 6,509 |
| Net operating income to assets | 2.6514% | 124 |
| Return on assets (ROA) | 2.6532% | 123 |
| Pretax return on assets | 2.6550% | 153 |
| Return on Equity (ROE) | 25.3412% | 98 |
| Retained earnings to average equity (ytd only) | 25.3412% | 37 |
| Net charge-offs to loans | 0.1097% | 2,948 |
| Credit loss provision to net charge-offs | -2,424.2424% | 5,996 |
| Earnings coverage of net charge-offs (x) | 5.6162% | 3,387 |
| Efficiency ratio | 83.7379% | 1,445 |
| Assets per employee ($millions) | 5.2545% | 2,011 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9777% | 1,149 |
| Loan loss allowance to noncurrent loans | 136.0894% | 3,025 |
| Noncurrent assets plus other real estate owned to assets | 5.1296% | 261 |
| Noncurrent loans to loans | 1.4533% | 2,022 |
| Net loans and leases to total assets | 80.1536% | 724 |
| Net loans and leases to deposits | 95.4078% | 947 |
| Net loans and leases to core deposits | 97.1348% | 1,625 |
| Total domestic deposits to total assets | 84.0116% | 3,712 |
| Equity capital to assets | 11.8781% | 2,105 |
| Core capital (leverage) ratio | 12.2567% | 1,472 |
| Tier 1 risk-based capital ratio | 18.7727% | 1,914 |
| Total risk-based capital ratio | 20.0385% | 1,874 |
| Memoranda: | ||
| Average total assets | $222,827,800 | 2,753 |
| Average earning assets | $202,315,800 | 2,781 |
| Average equity | $23,329,600 | 2,815 |
| Average total loans | $180,502,600 | 2,221 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0872% | 3,430 |
| Cost of funding earning assets | 0.3961% | 3,831 |
| Net interest margin | 3.6911% | 3,066 |
| Noninterest income to average assets | -0.2654% | 6,563 |
| Noninterest expense to average assets | 2.6288% | 4,096 |
| Loan and lease loss provision to assets | -1.2009% | 6,576 |
| Net operating income to assets | 1.6446% | 677 |
| Return on assets (ROA) | 1.6470% | 701 |
| Pretax return on assets | 1.6494% | 1,179 |
| Return on Equity (ROE) | 16.2888% | 645 |
| Retained earnings to average equity (ytd only) | 16.2888% | 155 |
| Net charge-offs to loans | 0.0884% | 2,944 |
| Credit loss provision to net charge-offs | -1,680.6723% | 5,947 |
| Earnings coverage of net charge-offs (x) | 6.2438% | 3,117 |
| Efficiency ratio | 85.4911% | 1,234 |
| Assets per employee ($millions) | 4.9281% | 2,336 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6437% | 207 |
| Loan loss allowance to noncurrent loans | 245.0488% | 1,844 |
| Noncurrent assets plus other real estate owned to assets | 5.6925% | 254 |
| Noncurrent loans to loans | 1.4869% | 2,186 |
| Net loans and leases to total assets | 81.5260% | 556 |
| Net loans and leases to deposits | 93.3863% | 1,087 |
| Net loans and leases to core deposits | 95.1191% | 1,745 |
| Total domestic deposits to total assets | 87.2997% | 2,155 |
| Equity capital to assets | 11.1194% | 2,842 |
| Core capital (leverage) ratio | 10.9789% | 2,512 |
| Tier 1 risk-based capital ratio | 17.2180% | 2,517 |
| Total risk-based capital ratio | 18.5112% | 2,458 |
| Memoranda: | ||
| Average total assets | $222,048,500 | 2,784 |
| Average earning assets | $200,949,500 | 2,819 |
| Average equity | $22,452,500 | 2,910 |
| Average total loans | $179,439,000 | 2,247 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0471% | 3,557 |
| Cost of funding earning assets | 0.4200% | 3,657 |
| Net interest margin | 3.6271% | 3,248 |
| Noninterest income to average assets | -0.2768% | 6,636 |
| Noninterest expense to average assets | 2.7281% | 3,762 |
| Loan and lease loss provision to assets | -1.7744% | 6,650 |
| Net operating income to assets | 2.0379% | 309 |
| Return on assets (ROA) | 2.0414% | 326 |
| Pretax return on assets | 2.0450% | 499 |
| Return on Equity (ROE) | 20.8402% | 250 |
| Retained earnings to average equity (ytd only) | 20.8402% | 72 |
| Net charge-offs to loans | 0.0312% | 3,573 |
| Credit loss provision to net charge-offs | -7,142.8571% | 5,934 |
| Earnings coverage of net charge-offs (x) | 10.7500% | 2,218 |
| Efficiency ratio | 91.0841% | 826 |
| Assets per employee ($millions) | 5.1274% | 2,049 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6773% | 217 |
| Loan loss allowance to noncurrent loans | 200.7881% | 2,127 |
| Noncurrent assets plus other real estate owned to assets | 6.4564% | 214 |
| Noncurrent loans to loans | 1.8315% | 1,872 |
| Net loans and leases to total assets | 78.6950% | 828 |
| Net loans and leases to deposits | 88.0518% | 1,590 |
| Net loans and leases to core deposits | 89.8269% | 2,139 |
| Total domestic deposits to total assets | 89.3736% | 1,174 |
| Equity capital to assets | 10.4935% | 3,447 |
| Core capital (leverage) ratio | 10.3325% | 3,160 |
| Tier 1 risk-based capital ratio | 16.4529% | 2,852 |
| Total risk-based capital ratio | 17.7454% | 2,794 |
| Memoranda: | ||
| Average total assets | $225,428,330 | 2,766 |
| Average earning assets | $203,356,000 | 2,799 |
| Average equity | $22,082,330 | 2,940 |
| Average total loans | $179,487,330 | 2,240 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0149% | 3,623 |
| Cost of funding earning assets | 0.4230% | 3,730 |
| Net interest margin | 3.5919% | 3,278 |
| Noninterest income to average assets | -0.2843% | 6,697 |
| Noninterest expense to average assets | 2.9679% | 2,993 |
| Loan and lease loss provision to assets | -3.5103% | 6,727 |
| Net operating income to assets | 3.4997% | 74 |
| Return on assets (ROA) | 3.4997% | 77 |
| Pretax return on assets | 3.5068% | 103 |
| Return on Equity (ROE) | 37.0022% | 39 |
| Retained earnings to average equity (ytd only) | 37.0022% | 23 |
| Net charge-offs to loans | -0.0179% | 5,302 |
| Credit loss provision to net charge-offs | 25,000.0000% | 9 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.1184% | 464 |
| Assets per employee ($millions) | 5.2934% | 1,914 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7109% | 231 |
| Loan loss allowance to noncurrent loans | 155.1001% | 2,588 |
| Noncurrent assets plus other real estate owned to assets | 7.0061% | 220 |
| Noncurrent loans to loans | 2.3926% | 1,469 |
| Net loans and leases to total assets | 75.9213% | 1,011 |
| Net loans and leases to deposits | 86.5395% | 1,528 |
| Net loans and leases to core deposits | 88.7775% | 2,018 |
| Total domestic deposits to total assets | 87.7302% | 2,397 |
| Equity capital to assets | 9.9422% | 3,916 |
| Core capital (leverage) ratio | 9.8800% | 3,743 |
| Tier 1 risk-based capital ratio | 16.1574% | 3,082 |
| Total risk-based capital ratio | 17.4501% | 3,020 |
| Memoranda: | ||
| Average total assets | $227,903,000 | 2,758 |
| Average earning assets | $206,130,000 | 2,786 |
| Average equity | $21,555,500 | 2,990 |
| Average total loans | $179,166,000 | 2,240 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2582% | 3,120 |
| Cost of funding earning assets | 0.5402% | 3,194 |
| Net interest margin | 3.7181% | 2,986 |
| Noninterest income to average assets | -0.1394% | 6,739 |
| Noninterest expense to average assets | 2.7751% | 3,815 |
| Loan and lease loss provision to assets | 0.1805% | 2,041 |
| Net operating income to assets | 0.1410% | 5,955 |
| Return on assets (ROA) | 0.1629% | 5,979 |
| Pretax return on assets | 0.1985% | 5,938 |
| Return on Equity (ROE) | 1.8302% | 5,898 |
| Retained earnings to average equity (ytd only) | 1.8302% | 4,931 |
| Net charge-offs to loans | 0.3067% | 2,151 |
| Credit loss provision to net charge-offs | 75.4717% | 3,155 |
| Earnings coverage of net charge-offs (x) | 1.4736% | 4,560 |
| Efficiency ratio | 88.7334% | 1,141 |
| Assets per employee ($millions) | 5.4331% | 1,722 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8372% | 102 |
| Loan loss allowance to noncurrent loans | 197.9410% | 2,114 |
| Noncurrent assets plus other real estate owned to assets | 7.5200% | 218 |
| Noncurrent loans to loans | 2.4438% | 1,564 |
| Net loans and leases to total assets | 74.5918% | 1,266 |
| Net loans and leases to deposits | 84.8895% | 1,821 |
| Net loans and leases to core deposits | 87.0711% | 2,341 |
| Total domestic deposits to total assets | 87.8693% | 2,259 |
| Equity capital to assets | 8.9754% | 5,060 |
| Core capital (leverage) ratio | 9.3975% | 4,416 |
| Tier 1 risk-based capital ratio | 14.7793% | 3,799 |
| Total risk-based capital ratio | 16.0893% | 3,708 |
| Memoranda: | ||
| Average total assets | $221,653,200 | 2,796 |
| Average earning assets | $194,752,000 | 2,894 |
| Average equity | $19,724,400 | 3,185 |
| Average total loans | $172,805,000 | 2,272 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3273% | 2,880 |
| Cost of funding earning assets | 0.5905% | 2,892 |
| Net interest margin | 3.7368% | 2,899 |
| Noninterest income to average assets | -0.2266% | 6,840 |
| Noninterest expense to average assets | 2.8306% | 3,556 |
| Loan and lease loss provision to assets | 0.2424% | 1,480 |
| Net operating income to assets | -0.2188% | 6,482 |
| Return on assets (ROA) | -0.1830% | 6,478 |
| Pretax return on assets | -0.0042% | 6,327 |
| Return on Equity (ROE) | -2.0612% | 6,487 |
| Retained earnings to average equity (ytd only) | -2.0612% | 6,274 |
| Net charge-offs to loans | 0.3954% | 1,620 |
| Credit loss provision to net charge-offs | 78.7402% | 2,877 |
| Earnings coverage of net charge-offs (x) | 0.6575% | 4,629 |
| Efficiency ratio | 93.3267% | 773 |
| Assets per employee ($millions) | 5.2744% | 1,863 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0176% | 112 |
| Loan loss allowance to noncurrent loans | 202.0028% | 1,961 |
| Noncurrent assets plus other real estate owned to assets | 8.4099% | 204 |
| Noncurrent loans to loans | 2.4839% | 1,747 |
| Net loans and leases to total assets | 74.1208% | 1,279 |
| Net loans and leases to deposits | 84.5286% | 1,811 |
| Net loans and leases to core deposits | 86.6552% | 2,326 |
| Total domestic deposits to total assets | 87.6872% | 2,303 |
| Equity capital to assets | 8.9895% | 5,205 |
| Core capital (leverage) ratio | 9.2427% | 4,766 |
| Tier 1 risk-based capital ratio | 14.5399% | 4,052 |
| Total risk-based capital ratio | 15.8515% | 3,965 |
| Memoranda: | ||
| Average total assets | $220,019,000 | 2,832 |
| Average earning assets | $191,925,750 | 2,951 |
| Average equity | $19,535,250 | 3,240 |
| Average total loans | $171,290,500 | 2,294 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3961% | 2,578 |
| Cost of funding earning assets | 0.7016% | 2,050 |
| Net interest margin | 3.6944% | 2,976 |
| Noninterest income to average assets | -0.4027% | 6,896 |
| Noninterest expense to average assets | 2.8863% | 3,375 |
| Loan and lease loss provision to assets | 0.3644% | 907 |
| Net operating income to assets | -0.6123% | 6,668 |
| Return on assets (ROA) | -0.5585% | 6,667 |
| Pretax return on assets | -0.4000% | 6,593 |
| Return on Equity (ROE) | -6.3167% | 6,669 |
| Retained earnings to average equity (ytd only) | -6.3167% | 6,534 |
| Net charge-offs to loans | 0.5130% | 1,279 |
| Credit loss provision to net charge-offs | 91.3242% | 2,410 |
| Earnings coverage of net charge-offs (x) | -0.2237% | 4,624 |
| Efficiency ratio | 103.1922% | 393 |
| Assets per employee ($millions) | 5.1043% | 1,984 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1916% | 102 |
| Loan loss allowance to noncurrent loans | 192.4939% | 2,045 |
| Noncurrent assets plus other real estate owned to assets | 9.4342% | 168 |
| Noncurrent loans to loans | 2.6970% | 1,690 |
| Net loans and leases to total assets | 74.4934% | 1,173 |
| Net loans and leases to deposits | 84.0587% | 1,799 |
| Net loans and leases to core deposits | 86.2213% | 2,311 |
| Total domestic deposits to total assets | 88.6207% | 1,830 |
| Equity capital to assets | 8.8786% | 5,351 |
| Core capital (leverage) ratio | 8.8825% | 5,171 |
| Tier 1 risk-based capital ratio | 13.9642% | 4,446 |
| Total risk-based capital ratio | 15.2774% | 4,365 |
| Memoranda: | ||
| Average total assets | $219,517,000 | 2,845 |
| Average earning assets | $190,124,670 | 2,988 |
| Average equity | $19,409,000 | 3,277 |
| Average total loans | $170,764,000 | 2,304 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4623% | 2,308 |
| Cost of funding earning assets | 0.9981% | 618 |
| Net interest margin | 3.4642% | 3,841 |
| Noninterest income to average assets | -0.5097% | 6,985 |
| Noninterest expense to average assets | 2.8331% | 3,590 |
| Loan and lease loss provision to assets | 0.7204% | 326 |
| Net operating income to assets | -1.1059% | 6,833 |
| Return on assets (ROA) | -1.1059% | 6,841 |
| Pretax return on assets | -1.0879% | 6,823 |
| Return on Equity (ROE) | -12.5329% | 6,841 |
| Retained earnings to average equity (ytd only) | -12.5329% | 6,690 |
| Net charge-offs to loans | 0.7119% | 861 |
| Credit loss provision to net charge-offs | 130.7190% | 1,514 |
| Earnings coverage of net charge-offs (x) | -0.6667% | 3,939 |
| Efficiency ratio | 114.9014% | 262 |
| Assets per employee ($millions) | 5.1150% | 2,075 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1742% | 121 |
| Loan loss allowance to noncurrent loans | 158.2071% | 2,289 |
| Noncurrent assets plus other real estate owned to assets | 11.1171% | 153 |
| Noncurrent loans to loans | 3.2705% | 1,488 |
| Net loans and leases to total assets | 75.7271% | 873 |
| Net loans and leases to deposits | 83.3283% | 1,660 |
| Net loans and leases to core deposits | 85.4102% | 2,167 |
| Total domestic deposits to total assets | 90.8780% | 575 |
| Equity capital to assets | 8.9754% | 5,514 |
| Core capital (leverage) ratio | 8.6556% | 5,384 |
| Tier 1 risk-based capital ratio | 13.4603% | 4,900 |
| Total risk-based capital ratio | 14.7718% | 4,813 |
| Memoranda: | ||
| Average total assets | $222,085,500 | 2,849 |
| Average earning assets | $190,753,000 | 3,003 |
| Average equity | $19,596,500 | 3,301 |
| Average total loans | $171,924,000 | 2,303 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4613% | 3,563 |
| Cost of funding earning assets | 0.6525% | 3,899 |
| Net interest margin | 3.8089% | 3,190 |
| Noninterest income to average assets | 0.1260% | 6,406 |
| Noninterest expense to average assets | 2.7240% | 4,311 |
| Loan and lease loss provision to assets | 1.5325% | 206 |
| Net operating income to assets | -0.7245% | 6,659 |
| Return on assets (ROA) | -0.5510% | 6,626 |
| Pretax return on assets | -0.5588% | 6,601 |
| Return on Equity (ROE) | -6.4926% | 6,640 |
| Retained earnings to average equity (ytd only) | -6.4926% | 6,503 |
| Net charge-offs to loans | 3.2432% | 136 |
| Credit loss provision to net charge-offs | 60.7416% | 4,423 |
| Earnings coverage of net charge-offs (x) | 0.3165% | 5,321 |
| Efficiency ratio | 77.3326% | 2,543 |
| Assets per employee ($millions) | 5.4605% | 1,719 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0979% | 123 |
| Loan loss allowance to noncurrent loans | 130.4664% | 2,660 |
| Noncurrent assets plus other real estate owned to assets | 11.4747% | 163 |
| Noncurrent loans to loans | 3.9075% | 1,229 |
| Net loans and leases to total assets | 71.2927% | 1,605 |
| Net loans and leases to deposits | 80.0817% | 2,273 |
| Net loans and leases to core deposits | 81.8504% | 2,791 |
| Total domestic deposits to total assets | 89.0250% | 1,550 |
| Equity capital to assets | 8.6819% | 5,866 |
| Core capital (leverage) ratio | 8.7888% | 5,197 |
| Tier 1 risk-based capital ratio | 13.4368% | 4,801 |
| Total risk-based capital ratio | 14.7448% | 4,708 |
| Memoranda: | ||
| Average total assets | $243,725,800 | 2,594 |
| Average earning assets | $217,334,000 | 2,638 |
| Average equity | $20,685,200 | 3,117 |
| Average total loans | $189,593,800 | 2,100 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4556% | 3,800 |
| Cost of funding earning assets | 0.6838% | 3,909 |
| Net interest margin | 3.7718% | 3,460 |
| Noninterest income to average assets | 0.1094% | 6,590 |
| Noninterest expense to average assets | 2.7510% | 4,167 |
| Loan and lease loss provision to assets | 1.1051% | 350 |
| Net operating income to assets | -0.3250% | 6,589 |
| Return on assets (ROA) | -0.1132% | 6,503 |
| Pretax return on assets | -0.1235% | 6,494 |
| Return on Equity (ROE) | -1.3410% | 6,524 |
| Retained earnings to average equity (ytd only) | -1.3410% | 6,310 |
| Net charge-offs to loans | 2.7021% | 224 |
| Credit loss provision to net charge-offs | 52.1628% | 4,345 |
| Earnings coverage of net charge-offs (x) | 0.3547% | 5,149 |
| Efficiency ratio | 78.5439% | 2,306 |
| Assets per employee ($millions) | 5.2693% | 1,858 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1179% | 135 |
| Loan loss allowance to noncurrent loans | 70.6101% | 4,197 |
| Noncurrent assets plus other real estate owned to assets | 13.0474% | 129 |
| Noncurrent loans to loans | 7.2481% | 494 |
| Net loans and leases to total assets | 76.2329% | 940 |
| Net loans and leases to deposits | 86.3154% | 1,566 |
| Net loans and leases to core deposits | 88.2581% | 2,186 |
| Total domestic deposits to total assets | 88.3190% | 1,832 |
| Equity capital to assets | 9.2876% | 5,482 |
| Core capital (leverage) ratio | 8.8804% | 5,224 |
| Tier 1 risk-based capital ratio | 13.8499% | 4,650 |
| Total risk-based capital ratio | 15.1608% | 4,559 |
| Memoranda: | ||
| Average total assets | $247,322,500 | 2,582 |
| Average earning assets | $222,487,250 | 2,613 |
| Average equity | $20,878,750 | 3,127 |
| Average total loans | $193,921,000 | 2,087 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4559% | 3,958 |
| Cost of funding earning assets | 0.7224% | 3,829 |
| Net interest margin | 3.7335% | 3,669 |
| Noninterest income to average assets | 0.1023% | 6,669 |
| Noninterest expense to average assets | 2.6770% | 4,509 |
| Loan and lease loss provision to assets | 1.0817% | 399 |
| Net operating income to assets | -0.1919% | 6,532 |
| Return on assets (ROA) | 0.0433% | 6,407 |
| Pretax return on assets | 0.0621% | 6,373 |
| Return on Equity (ROE) | 0.5282% | 6,384 |
| Retained earnings to average equity (ytd only) | 0.5282% | 5,857 |
| Net charge-offs to loans | 3.8266% | 122 |
| Credit loss provision to net charge-offs | 36.3180% | 4,332 |
| Earnings coverage of net charge-offs (x) | 0.2713% | 4,945 |
| Efficiency ratio | 76.8172% | 2,624 |
| Assets per employee ($millions) | 5.6374% | 1,491 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6959% | 202 |
| Loan loss allowance to noncurrent loans | 58.1777% | 4,730 |
| Noncurrent assets plus other real estate owned to assets | 12.3522% | 164 |
| Noncurrent loans to loans | 8.0717% | 424 |
| Net loans and leases to total assets | 73.5580% | 1,317 |
| Net loans and leases to deposits | 82.6276% | 2,032 |
| Net loans and leases to core deposits | 84.5421% | 2,619 |
| Total domestic deposits to total assets | 89.0236% | 1,492 |
| Equity capital to assets | 8.7624% | 5,958 |
| Core capital (leverage) ratio | 8.4409% | 5,727 |
| Tier 1 risk-based capital ratio | 13.6211% | 4,726 |
| Total risk-based capital ratio | 14.9251% | 4,660 |
| Memoranda: | ||
| Average total assets | $254,236,000 | 2,506 |
| Average earning assets | $230,347,330 | 2,520 |
| Average equity | $20,823,670 | 3,128 |
| Average total loans | $197,879,000 | 2,044 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3883% | 4,374 |
| Cost of funding earning assets | 0.7555% | 3,822 |
| Net interest margin | 3.6329% | 4,117 |
| Noninterest income to average assets | 0.1384% | 6,557 |
| Noninterest expense to average assets | 2.7815% | 4,120 |
| Loan and lease loss provision to assets | 0.7688% | 648 |
| Net operating income to assets | -0.0593% | 6,490 |
| Return on assets (ROA) | 0.1415% | 6,269 |
| Pretax return on assets | 0.2291% | 6,136 |
| Return on Equity (ROE) | 1.7851% | 6,140 |
| Retained earnings to average equity (ytd only) | 1.7851% | 5,354 |
| Net charge-offs to loans | 2.1981% | 405 |
| Credit loss provision to net charge-offs | 44.7628% | 3,367 |
| Earnings coverage of net charge-offs (x) | 0.3984% | 4,156 |
| Efficiency ratio | 80.2573% | 2,167 |
| Assets per employee ($millions) | 6.0780% | 1,229 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3118% | 133 |
| Loan loss allowance to noncurrent loans | 42.9575% | 5,455 |
| Noncurrent assets plus other real estate owned to assets | 13.6006% | 146 |
| Noncurrent loans to loans | 12.3652% | 185 |
| Net loans and leases to total assets | 73.8808% | 1,086 |
| Net loans and leases to deposits | 82.2363% | 1,908 |
| Net loans and leases to core deposits | 84.3421% | 2,507 |
| Total domestic deposits to total assets | 89.8396% | 1,165 |
| Equity capital to assets | 8.0689% | 6,467 |
| Core capital (leverage) ratio | 7.9073% | 6,330 |
| Tier 1 risk-based capital ratio | 12.7361% | 5,411 |
| Total risk-based capital ratio | 14.0512% | 5,340 |
| Memoranda: | ||
| Average total assets | $260,149,000 | 2,480 |
| Average earning assets | $238,267,500 | 2,463 |
| Average equity | $20,615,000 | 3,152 |
| Average total loans | $203,269,500 | 2,003 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4474% | 5,256 |
| Cost of funding earning assets | 0.9501% | 3,721 |
| Net interest margin | 3.4972% | 5,158 |
| Noninterest income to average assets | -1.0291% | 7,326 |
| Noninterest expense to average assets | 2.1920% | 6,288 |
| Loan and lease loss provision to assets | 1.9295% | 324 |
| Net operating income to assets | -2.4195% | 7,101 |
| Return on assets (ROA) | -2.1099% | 7,059 |
| Pretax return on assets | -1.6227% | 6,922 |
| Return on Equity (ROE) | -25.7089% | 7,052 |
| Retained earnings to average equity (ytd only) | -25.7089% | 7,041 |
| Net charge-offs to loans | 1.9169% | 744 |
| Credit loss provision to net charge-offs | 132.1945% | 2,305 |
| Earnings coverage of net charge-offs (x) | -0.0019% | 5,826 |
| Efficiency ratio | 100.1265% | 665 |
| Assets per employee ($millions) | 6.4640% | 974 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3998% | 138 |
| Loan loss allowance to noncurrent loans | 43.9943% | 5,373 |
| Noncurrent assets plus other real estate owned to assets | 12.7454% | 181 |
| Noncurrent loans to loans | 12.2739% | 207 |
| Net loans and leases to total assets | 74.0173% | 1,273 |
| Net loans and leases to deposits | 82.0456% | 2,190 |
| Net loans and leases to core deposits | 84.3922% | 2,836 |
| Total domestic deposits to total assets | 90.2148% | 873 |
| Equity capital to assets | 7.7850% | 6,695 |
| Core capital (leverage) ratio | 7.7430% | 6,504 |
| Tier 1 risk-based capital ratio | 12.2571% | 5,642 |
| Total risk-based capital ratio | 13.5740% | 5,573 |
| Memoranda: | ||
| Average total assets | $288,782,200 | 2,204 |
| Average earning assets | $265,752,600 | 2,199 |
| Average equity | $23,700,000 | 2,703 |
| Average total loans | $219,881,600 | 1,875 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4957% | 5,265 |
| Cost of funding earning assets | 1.0034% | 3,658 |
| Net interest margin | 3.4923% | 5,223 |
| Noninterest income to average assets | -1.0753% | 7,405 |
| Noninterest expense to average assets | 2.1204% | 6,471 |
| Loan and lease loss provision to assets | 2.3773% | 197 |
| Net operating income to assets | -2.9089% | 7,258 |
| Return on assets (ROA) | -2.6515% | 7,247 |
| Pretax return on assets | -2.1050% | 7,142 |
| Return on Equity (ROE) | -31.9388% | 7,208 |
| Retained earnings to average equity (ytd only) | -31.9388% | 7,201 |
| Net charge-offs to loans | 1.3685% | 1,107 |
| Credit loss provision to net charge-offs | 229.5762% | 1,242 |
| Earnings coverage of net charge-offs (x) | 0.0144% | 5,590 |
| Efficiency ratio | 99.3008% | 680 |
| Assets per employee ($millions) | 7.0717% | 716 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.0027% | 92 |
| Loan loss allowance to noncurrent loans | 42.8352% | 5,450 |
| Noncurrent assets plus other real estate owned to assets | 14.2773% | 151 |
| Noncurrent loans to loans | 14.0134% | 160 |
| Net loans and leases to total assets | 72.7105% | 1,566 |
| Net loans and leases to deposits | 80.4561% | 2,595 |
| Net loans and leases to core deposits | 83.1507% | 3,167 |
| Total domestic deposits to total assets | 90.3729% | 688 |
| Equity capital to assets | 7.6782% | 6,853 |
| Core capital (leverage) ratio | 7.3085% | 6,852 |
| Tier 1 risk-based capital ratio | 11.8229% | 6,022 |
| Total risk-based capital ratio | 13.1471% | 5,946 |
| Memoranda: | ||
| Average total assets | $294,722,250 | 2,173 |
| Average earning assets | $270,948,500 | 2,169 |
| Average equity | $24,467,000 | 2,635 |
| Average total loans | $223,012,250 | 1,864 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4499% | 5,525 |
| Cost of funding earning assets | 1.0568% | 3,556 |
| Net interest margin | 3.3931% | 5,575 |
| Noninterest income to average assets | -0.1581% | 7,318 |
| Noninterest expense to average assets | 2.1101% | 6,574 |
| Loan and lease loss provision to assets | 3.3418% | 125 |
| Net operating income to assets | -3.2096% | 7,328 |
| Return on assets (ROA) | -3.2096% | 7,334 |
| Pretax return on assets | -2.5001% | 7,248 |
| Return on Equity (ROE) | -37.7953% | 7,298 |
| Retained earnings to average equity (ytd only) | -37.7953% | 7,292 |
| Net charge-offs to loans | 1.7990% | 775 |
| Credit loss provision to net charge-offs | 247.1744% | 1,227 |
| Earnings coverage of net charge-offs (x) | 0.6226% | 4,833 |
| Efficiency ratio | 71.4832% | 3,826 |
| Assets per employee ($millions) | 7.3944% | 601 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.8496% | 105 |
| Loan loss allowance to noncurrent loans | 41.0891% | 5,577 |
| Noncurrent assets plus other real estate owned to assets | 14.8535% | 151 |
| Noncurrent loans to loans | 14.2364% | 153 |
| Net loans and leases to total assets | 71.6346% | 1,854 |
| Net loans and leases to deposits | 79.2781% | 2,927 |
| Net loans and leases to core deposits | 82.6781% | 3,408 |
| Total domestic deposits to total assets | 90.3587% | 784 |
| Equity capital to assets | 7.7768% | 6,818 |
| Core capital (leverage) ratio | 7.2921% | 6,868 |
| Tier 1 risk-based capital ratio | 11.8203% | 5,924 |
| Total risk-based capital ratio | 13.1409% | 5,846 |
| Memoranda: | ||
| Average total assets | $301,031,330 | 2,140 |
| Average earning assets | $275,915,000 | 2,137 |
| Average equity | $25,564,000 | 2,505 |
| Average total loans | $226,237,000 | 1,868 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5843% | 5,014 |
| Cost of funding earning assets | 1.1464% | 3,182 |
| Net interest margin | 3.4378% | 5,275 |
| Noninterest income to average assets | 0.0234% | 7,229 |
| Noninterest expense to average assets | 2.2866% | 6,224 |
| Loan and lease loss provision to assets | 0.1952% | 3,673 |
| Net operating income to assets | 0.5401% | 4,316 |
| Return on assets (ROA) | 0.5401% | 4,397 |
| Pretax return on assets | 0.6832% | 4,368 |
| Return on Equity (ROE) | 6.1181% | 3,831 |
| Retained earnings to average equity (ytd only) | 6.1181% | 2,564 |
| Net charge-offs to loans | 0.4442% | 2,363 |
| Credit loss provision to net charge-offs | 58.8235% | 3,563 |
| Earnings coverage of net charge-offs (x) | 2.6471% | 3,019 |
| Efficiency ratio | 72.2451% | 3,809 |
| Assets per employee ($millions) | 7.7563% | 523 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2951% | 350 |
| Loan loss allowance to noncurrent loans | 35.8960% | 5,905 |
| Noncurrent assets plus other real estate owned to assets | 13.5560% | 193 |
| Noncurrent loans to loans | 11.9655% | 282 |
| Net loans and leases to total assets | 73.5955% | 1,407 |
| Net loans and leases to deposits | 84.4718% | 1,956 |
| Net loans and leases to core deposits | 88.7756% | 2,509 |
| Total domestic deposits to total assets | 87.1243% | 2,877 |
| Equity capital to assets | 9.3129% | 4,703 |
| Core capital (leverage) ratio | 8.7423% | 5,014 |
| Tier 1 risk-based capital ratio | 13.6996% | 4,283 |
| Total risk-based capital ratio | 14.9953% | 4,216 |
| Memoranda: | ||
| Average total assets | $307,355,500 | 2,113 |
| Average earning assets | $280,874,000 | 2,106 |
| Average equity | $27,132,500 | 2,362 |
| Average total loans | $229,647,000 | 1,865 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5413% | 6,283 |
| Cost of funding earning assets | 1.5369% | 2,426 |
| Net interest margin | 3.0045% | 6,727 |
| Noninterest income to average assets | -0.1407% | 7,427 |
| Noninterest expense to average assets | 1.7324% | 7,324 |
| Loan and lease loss provision to assets | 2.5173% | 440 |
| Net operating income to assets | -1.4708% | 6,905 |
| Return on assets (ROA) | -1.4708% | 6,921 |
| Pretax return on assets | -1.6154% | 6,899 |
| Return on Equity (ROE) | -17.1176% | 6,977 |
| Retained earnings to average equity (ytd only) | -18.2762% | 6,976 |
| Net charge-offs to loans | 2.0165% | 1,000 |
| Credit loss provision to net charge-offs | 166.2948% | 2,057 |
| Earnings coverage of net charge-offs (x) | 0.5958% | 5,508 |
| Efficiency ratio | 65.7631% | 5,015 |
| Assets per employee ($millions) | 8.4203% | 411 |
| Cash dividends to net income (ytd only)* | -6.7687% | 7,471 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2297% | 327 |
| Loan loss allowance to noncurrent loans | 37.6507% | 5,801 |
| Noncurrent assets plus other real estate owned to assets | 12.1139% | 274 |
| Noncurrent loans to loans | 11.2340% | 340 |
| Net loans and leases to total assets | 69.6325% | 2,625 |
| Net loans and leases to deposits | 85.4686% | 2,192 |
| Net loans and leases to core deposits | 93.7727% | 2,286 |
| Total domestic deposits to total assets | 81.4714% | 5,364 |
| Equity capital to assets | 8.3808% | 6,033 |
| Core capital (leverage) ratio | 8.2328% | 5,784 |
| Tier 1 risk-based capital ratio | 12.8912% | 4,694 |
| Total risk-based capital ratio | 14.1844% | 4,623 |
| Memoranda: | ||
| Average total assets | $337,509,600 | 1,933 |
| Average earning assets | $311,735,800 | 1,911 |
| Average equity | $28,999,400 | 2,240 |
| Average total loans | $253,354,600 | 1,742 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5611% | 6,439 |
| Cost of funding earning assets | 1.5584% | 2,616 |
| Net interest margin | 3.0027% | 6,826 |
| Noninterest income to average assets | 0.0862% | 7,104 |
| Noninterest expense to average assets | 1.5821% | 7,512 |
| Loan and lease loss provision to assets | 3.3132% | 234 |
| Net operating income to assets | -2.0193% | 7,246 |
| Return on assets (ROA) | -2.0193% | 7,262 |
| Pretax return on assets | -2.0283% | 7,207 |
| Return on Equity (ROE) | -23.3670% | 7,281 |
| Retained earnings to average equity (ytd only) | -24.8833% | 7,305 |
| Net charge-offs to loans | 1.7725% | 1,098 |
| Credit loss provision to net charge-offs | 247.1923% | 1,354 |
| Earnings coverage of net charge-offs (x) | 0.9587% | 5,105 |
| Efficiency ratio | 55.1823% | 6,659 |
| Assets per employee ($millions) | 9.0076% | 349 |
| Cash dividends to net income (ytd only)* | -6.4890% | 7,608 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6705% | 222 |
| Loan loss allowance to noncurrent loans | 45.6210% | 5,232 |
| Noncurrent assets plus other real estate owned to assets | 10.9367% | 334 |
| Noncurrent loans to loans | 10.2375% | 398 |
| Net loans and leases to total assets | 72.4613% | 2,143 |
| Net loans and leases to deposits | 89.5248% | 1,783 |
| Net loans and leases to core deposits | 99.9222% | 1,858 |
| Total domestic deposits to total assets | 80.9399% | 5,398 |
| Equity capital to assets | 8.3679% | 6,432 |
| Core capital (leverage) ratio | 7.7654% | 6,608 |
| Tier 1 risk-based capital ratio | 12.1143% | 5,351 |
| Total risk-based capital ratio | 13.4142% | 5,269 |
| Memoranda: | ||
| Average total assets | $341,894,500 | 1,937 |
| Average earning assets | $316,643,500 | 1,902 |
| Average equity | $29,545,250 | 2,231 |
| Average total loans | $258,532,500 | 1,736 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8985% | 5,393 |
| Cost of funding earning assets | 1.6517% | 2,377 |
| Net interest margin | 3.2468% | 6,176 |
| Noninterest income to average assets | 0.0615% | 7,276 |
| Noninterest expense to average assets | 1.5976% | 7,568 |
| Loan and lease loss provision to assets | 3.9107% | 202 |
| Net operating income to assets | -2.1744% | 7,347 |
| Return on assets (ROA) | -2.1744% | 7,354 |
| Pretax return on assets | -2.4419% | 7,353 |
| Return on Equity (ROE) | -24.9171% | 7,371 |
| Retained earnings to average equity (ytd only) | -27.1313% | 7,381 |
| Net charge-offs to loans | 0.9568% | 1,926 |
| Credit loss provision to net charge-offs | 541.4013% | 686 |
| Earnings coverage of net charge-offs (x) | 2.0334% | 4,008 |
| Efficiency ratio | 52.1005% | 7,055 |
| Assets per employee ($millions) | 9.9987% | 255 |
| Cash dividends to net income (ytd only)* | -8.8865% | 7,709 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6981% | 222 |
| Loan loss allowance to noncurrent loans | 96.1992% | 2,856 |
| Noncurrent assets plus other real estate owned to assets | 6.6153% | 833 |
| Noncurrent loans to loans | 4.8837% | 1,435 |
| Net loans and leases to total assets | 71.5862% | 2,517 |
| Net loans and leases to deposits | 87.6351% | 2,242 |
| Net loans and leases to core deposits | 97.4766% | 2,284 |
| Total domestic deposits to total assets | 81.6867% | 5,117 |
| Equity capital to assets | 8.0240% | 6,735 |
| Core capital (leverage) ratio | 7.6637% | 6,657 |
| Tier 1 risk-based capital ratio | 12.7766% | 4,627 |
| Total risk-based capital ratio | 14.0815% | 4,538 |
| Memoranda: | ||
| Average total assets | $347,768,000 | 1,925 |
| Average earning assets | $321,856,330 | 1,881 |
| Average equity | $30,348,670 | 2,170 |
| Average total loans | $262,548,330 | 1,732 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0439% | 4,813 |
| Cost of funding earning assets | 1.7462% | 2,146 |
| Net interest margin | 3.2976% | 5,981 |
| Noninterest income to average assets | 0.2684% | 6,010 |
| Noninterest expense to average assets | 1.5503% | 7,687 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.2705% | 1,359 |
| Return on assets (ROA) | 1.2705% | 1,433 |
| Pretax return on assets | 1.7789% | 918 |
| Return on Equity (ROE) | 14.0133% | 1,051 |
| Retained earnings to average equity (ytd only) | 14.0133% | 507 |
| Net charge-offs to loans | 1.1347% | 1,484 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 2.0715% | 3,506 |
| Efficiency ratio | 46.5665% | 7,521 |
| Assets per employee ($millions) | 10.3061% | 246 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1496% | 1,853 |
| Loan loss allowance to noncurrent loans | 46.6470% | 5,234 |
| Noncurrent assets plus other real estate owned to assets | 4.9862% | 1,293 |
| Noncurrent loans to loans | 4.6082% | 1,613 |
| Net loans and leases to total assets | 74.0079% | 1,969 |
| Net loans and leases to deposits | 94.6522% | 1,276 |
| Net loans and leases to core deposits | 105.2677% | 1,637 |
| Total domestic deposits to total assets | 78.1893% | 6,272 |
| Equity capital to assets | 9.2615% | 4,895 |
| Core capital (leverage) ratio | 9.1551% | 4,289 |
| Tier 1 risk-based capital ratio | 14.1697% | 3,550 |
| Total risk-based capital ratio | 16.6867% | 2,847 |
| Memoranda: | ||
| Average total assets | $351,674,500 | 1,948 |
| Average earning assets | $326,415,000 | 1,914 |
| Average equity | $31,884,000 | 2,097 |
| Average total loans | $266,143,500 | 1,766 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2926% | 5,211 |
| Cost of funding earning assets | 2.3474% | 1,467 |
| Net interest margin | 2.9452% | 6,768 |
| Noninterest income to average assets | -0.1079% | 7,807 |
| Noninterest expense to average assets | 1.5914% | 7,775 |
| Loan and lease loss provision to assets | 3.0358% | 568 |
| Net operating income to assets | -1.2181% | 6,720 |
| Return on assets (ROA) | -1.2181% | 6,717 |
| Pretax return on assets | -1.9659% | 6,933 |
| Return on Equity (ROE) | -11.5906% | 6,742 |
| Retained earnings to average equity (ytd only) | -13.4702% | 6,781 |
| Net charge-offs to loans | 2.1989% | 1,086 |
| Credit loss provision to net charge-offs | 171.9327% | 2,471 |
| Earnings coverage of net charge-offs (x) | 0.6060% | 5,496 |
| Efficiency ratio | 59.7968% | 6,516 |
| Assets per employee ($millions) | 10.6952% | 224 |
| Cash dividends to net income (ytd only)* | -16.2162% | 7,665 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4145% | 1,338 |
| Loan loss allowance to noncurrent loans | 79.8540% | 3,451 |
| Noncurrent assets plus other real estate owned to assets | 4.2658% | 1,537 |
| Noncurrent loans to loans | 3.0236% | 2,552 |
| Net loans and leases to total assets | 73.8955% | 2,298 |
| Net loans and leases to deposits | 93.8655% | 1,607 |
| Net loans and leases to core deposits | 118.9616% | 2,038 |
| Total domestic deposits to total assets | 78.7249% | 6,053 |
| Equity capital to assets | 8.8725% | 5,322 |
| Core capital (leverage) ratio | 8.7201% | 4,889 |
| Tier 1 risk-based capital ratio | 13.8815% | 3,574 |
| Total risk-based capital ratio | 16.7753% | 2,655 |
| Memoranda: | ||
| Average total assets | $340,207,200 | 2,002 |
| Average earning assets | $319,880,400 | 1,947 |
| Average equity | $35,753,000 | 1,884 |
| Average total loans | $273,179,800 | 1,763 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5770% | 3,993 |
| Cost of funding earning assets | 2.4402% | 1,492 |
| Net interest margin | 3.1368% | 6,212 |
| Noninterest income to average assets | 0.1222% | 7,279 |
| Noninterest expense to average assets | 1.4622% | 7,901 |
| Loan and lease loss provision to assets | 0.3913% | 3,970 |
| Net operating income to assets | 0.6516% | 3,396 |
| Return on assets (ROA) | 0.6516% | 3,463 |
| Pretax return on assets | 1.2351% | 2,149 |
| Return on Equity (ROE) | 5.9571% | 3,546 |
| Retained earnings to average equity (ytd only) | 4.7418% | 2,633 |
| Net charge-offs to loans | 0.1505% | 5,206 |
| Credit loss provision to net charge-offs | 319.0323% | 1,287 |
| Earnings coverage of net charge-offs (x) | 13.2614% | 1,687 |
| Efficiency ratio | 47.3421% | 7,700 |
| Assets per employee ($millions) | 10.4894% | 237 |
| Cash dividends to net income (ytd only)* | 20.4007% | 3,225 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0203% | 6,163 |
| Loan loss allowance to noncurrent loans | 24.6686% | 6,800 |
| Noncurrent assets plus other real estate owned to assets | 4.3285% | 1,425 |
| Noncurrent loans to loans | 4.1360% | 1,758 |
| Net loans and leases to total assets | 78.7516% | 1,434 |
| Net loans and leases to deposits | 109.3410% | 484 |
| Net loans and leases to core deposits | 138.8433% | 975 |
| Total domestic deposits to total assets | 72.0239% | 7,207 |
| Equity capital to assets | 10.8491% | 3,167 |
| Core capital (leverage) ratio | 10.8826% | 2,496 |
| Tier 1 risk-based capital ratio | 16.7135% | 2,355 |
| Total risk-based capital ratio | 17.8448% | 2,346 |
| Memoranda: | ||
| Average total assets | $337,023,250 | 2,033 |
| Average earning assets | $318,707,250 | 1,975 |
| Average equity | $36,862,500 | 1,846 |
| Average total loans | $274,659,250 | 1,769 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6020% | 4,068 |
| Cost of funding earning assets | 2.5516% | 1,445 |
| Net interest margin | 3.0504% | 6,400 |
| Noninterest income to average assets | 0.1419% | 7,239 |
| Noninterest expense to average assets | 1.3528% | 8,032 |
| Loan and lease loss provision to assets | 0.2317% | 4,731 |
| Net operating income to assets | 0.7899% | 2,890 |
| Return on assets (ROA) | 0.7899% | 2,984 |
| Pretax return on assets | 1.4432% | 1,610 |
| Return on Equity (ROE) | 7.2014% | 3,110 |
| Retained earnings to average equity (ytd only) | 5.3833% | 2,298 |
| Net charge-offs to loans | 0.1232% | 4,930 |
| Credit loss provision to net charge-offs | 228.9941% | 2,012 |
| Earnings coverage of net charge-offs (x) | 16.5503% | 1,530 |
| Efficiency ratio | 44.6796% | 7,899 |
| Assets per employee ($millions) | 9.9508% | 269 |
| Cash dividends to net income (ytd only)* | 25.2464% | 2,998 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8485% | 6,984 |
| Loan loss allowance to noncurrent loans | 20.9863% | 7,078 |
| Noncurrent assets plus other real estate owned to assets | 3.6876% | 1,672 |
| Noncurrent loans to loans | 4.0430% | 1,666 |
| Net loans and leases to total assets | 81.1342% | 1,111 |
| Net loans and leases to deposits | 113.3741% | 425 |
| Net loans and leases to core deposits | 135.6381% | 1,232 |
| Total domestic deposits to total assets | 71.5633% | 7,300 |
| Equity capital to assets | 10.9190% | 3,000 |
| Core capital (leverage) ratio | 11.0256% | 2,378 |
| Tier 1 risk-based capital ratio | 16.8337% | 2,356 |
| Total risk-based capital ratio | 17.9090% | 2,353 |
| Memoranda: | ||
| Average total assets | $333,981,330 | 2,081 |
| Average earning assets | $315,958,330 | 2,015 |
| Average equity | $36,632,000 | 1,864 |
| Average total loans | $274,409,670 | 1,797 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5004% | 4,913 |
| Cost of funding earning assets | 2.6314% | 1,480 |
| Net interest margin | 2.8690% | 6,836 |
| Noninterest income to average assets | 0.1350% | 7,332 |
| Noninterest expense to average assets | 1.3441% | 8,062 |
| Loan and lease loss provision to assets | 0.1808% | 4,636 |
| Net operating income to assets | 0.9560% | 2,491 |
| Return on assets (ROA) | 0.9560% | 2,620 |
| Pretax return on assets | 1.3176% | 2,217 |
| Return on Equity (ROE) | 8.6959% | 2,841 |
| Retained earnings to average equity (ytd only) | 8.6959% | 1,569 |
| Net charge-offs to loans | 0.1040% | 4,137 |
| Credit loss provision to net charge-offs | 211.2676% | 2,126 |
| Earnings coverage of net charge-offs (x) | 17.5070% | 1,505 |
| Efficiency ratio | 47.2858% | 7,768 |
| Assets per employee ($millions) | 9.7488% | 284 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8032% | 7,146 |
| Loan loss allowance to noncurrent loans | 24.4878% | 6,942 |
| Noncurrent assets plus other real estate owned to assets | 3.2116% | 1,724 |
| Noncurrent loans to loans | 3.2800% | 1,955 |
| Net loans and leases to total assets | 82.3821% | 950 |
| Net loans and leases to deposits | 118.0088% | 334 |
| Net loans and leases to core deposits | 137.3266% | 1,230 |
| Total domestic deposits to total assets | 69.8101% | 7,442 |
| Equity capital to assets | 11.1242% | 2,874 |
| Core capital (leverage) ratio | 11.0869% | 2,441 |
| Tier 1 risk-based capital ratio | 17.1013% | 2,303 |
| Total risk-based capital ratio | 18.1354% | 2,309 |
| Memoranda: | ||
| Average total assets | $331,808,500 | 2,099 |
| Average earning assets | $313,143,500 | 2,045 |
| Average equity | $36,477,000 | 1,873 |
| Average total loans | $273,190,500 | 1,812 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3576% | 3,657 |
| Cost of funding earning assets | 2.9250% | 2,161 |
| Net interest margin | 3.4326% | 5,535 |
| Noninterest income to average assets | 0.1881% | 7,101 |
| Noninterest expense to average assets | 1.5220% | 8,025 |
| Loan and lease loss provision to assets | 0.2225% | 4,662 |
| Net operating income to assets | 0.9693% | 2,695 |
| Return on assets (ROA) | 0.9693% | 2,575 |
| Pretax return on assets | 1.6571% | 1,246 |
| Return on Equity (ROE) | 8.6600% | 2,776 |
| Retained earnings to average equity (ytd only) | 3.9126% | 2,693 |
| Net charge-offs to loans | 0.0554% | 5,988 |
| Credit loss provision to net charge-offs | 486.1111% | 902 |
| Earnings coverage of net charge-offs (x) | 41.0694% | 898 |
| Efficiency ratio | 44.7445% | 7,981 |
| Assets per employee ($millions) | 10.0654% | 256 |
| Cash dividends to net income (ytd only)* | 54.8197% | 2,896 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7860% | 7,160 |
| Loan loss allowance to noncurrent loans | 24.2379% | 7,046 |
| Noncurrent assets plus other real estate owned to assets | 2.9218% | 1,584 |
| Noncurrent loans to loans | 3.2430% | 1,612 |
| Net loans and leases to total assets | 80.9783% | 1,440 |
| Net loans and leases to deposits | 119.5220% | 395 |
| Net loans and leases to core deposits | 139.3088% | 1,302 |
| Total domestic deposits to total assets | 67.7518% | 7,494 |
| Equity capital to assets | 10.8629% | 3,156 |
| Core capital (leverage) ratio | 11.0520% | 2,550 |
| Tier 1 risk-based capital ratio | 17.1097% | 2,276 |
| Total risk-based capital ratio | 18.1289% | 2,293 |
| Memoranda: | ||
| Average total assets | $314,650,600 | 2,124 |
| Average earning assets | $294,561,400 | 2,079 |
| Average equity | $35,219,200 | 1,918 |
| Average total loans | $259,727,200 | 1,836 |