Home > The Home Savings and Loan Company of Kenton, Ohio, DBA HSLC > Performance and Condition Ratios
The Home Savings and Loan Company of Kenton, Ohio, DBA HSLC, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4170% | 1,284 |
| Cost of funding earning assets | 1.7609% | 1,322 |
| Net interest margin | 3.6562% | 1,845 |
| Noninterest income to average assets | 0.2400% | 3,502 |
| Noninterest expense to average assets | 2.8663% | 1,346 |
| Loan and lease loss provision to assets | 0.0500% | 2,105 |
| Net operating income to assets | 0.5821% | 3,489 |
| Return on assets (ROA) | 0.5861% | 3,467 |
| Pretax return on assets | 0.7293% | 3,375 |
| Return on Equity (ROE) | 3.1200% | 4,009 |
| Retained earnings to average equity (ytd only) | 3.1228% | 3,240 |
| Net charge-offs to loans | 0.0026% | 2,700 |
| Credit loss provision to net charge-offs | 2,500.0000% | 188 |
| Earnings coverage of net charge-offs (x) | 385.5000% | 361 |
| Efficiency ratio | 76.8796% | 1,175 |
| Assets per employee ($millions) | 7.1731% | 1,958 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1103% | 2,781 |
| Loan loss allowance to noncurrent loans | 167.2247% | 2,719 |
| Noncurrent assets plus other real estate owned to assets | 0.5386% | 1,036 |
| Noncurrent loans to loans | 0.6639% | 1,183 |
| Net loans and leases to total assets | 78.5600% | 808 |
| Net loans and leases to deposits | 101.7607% | 447 |
| Net loans and leases to core deposits | 135.9007% | 320 |
| Total domestic deposits to total assets | 77.2000% | 3,825 |
| Equity capital to assets | 17.7705% | 358 |
| Core capital (leverage) ratio | 18.2228% | 334 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $199,104,000 | 2,999 |
| Average earning assets | $185,193,600 | 2,971 |
| Average equity | $37,370,600 | 1,960 |
| Average total loans | $153,579,400 | 2,649 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2770% | 1,315 |
| Cost of funding earning assets | 1.5713% | 1,430 |
| Net interest margin | 3.7057% | 1,764 |
| Noninterest income to average assets | 0.2500% | 3,449 |
| Noninterest expense to average assets | 2.8989% | 1,233 |
| Loan and lease loss provision to assets | 0.0500% | 1,947 |
| Net operating income to assets | 0.5854% | 3,580 |
| Return on assets (ROA) | 0.5887% | 3,558 |
| Pretax return on assets | 0.7514% | 3,445 |
| Return on Equity (ROE) | 3.1000% | 4,091 |
| Retained earnings to average equity (ytd only) | 3.1014% | 3,486 |
| Net charge-offs to loans | 0.0027% | 2,444 |
| Credit loss provision to net charge-offs | 2,333.3333% | 206 |
| Earnings coverage of net charge-offs (x) | 387.6667% | 370 |
| Efficiency ratio | 76.4945% | 1,132 |
| Assets per employee ($millions) | 6.9239% | 2,013 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1405% | 2,670 |
| Loan loss allowance to noncurrent loans | 167.0841% | 2,714 |
| Noncurrent assets plus other real estate owned to assets | 0.5498% | 1,063 |
| Noncurrent loans to loans | 0.6826% | 1,213 |
| Net loans and leases to total assets | 77.9500% | 892 |
| Net loans and leases to deposits | 100.2067% | 502 |
| Net loans and leases to core deposits | 130.1008% | 344 |
| Total domestic deposits to total assets | 77.7900% | 3,840 |
| Equity capital to assets | 17.9431% | 345 |
| Core capital (leverage) ratio | 18.8086% | 308 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $195,012,000 | 3,026 |
| Average earning assets | $181,410,750 | 3,006 |
| Average equity | $37,014,250 | 1,961 |
| Average total loans | $149,237,000 | 2,689 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1441% | 1,296 |
| Cost of funding earning assets | 1.3918% | 1,467 |
| Net interest margin | 3.7524% | 1,712 |
| Noninterest income to average assets | 0.3600% | 2,698 |
| Noninterest expense to average assets | 3.0601% | 956 |
| Loan and lease loss provision to assets | 0.0400% | 2,074 |
| Net operating income to assets | 0.5892% | 3,604 |
| Return on assets (ROA) | 0.5934% | 3,596 |
| Pretax return on assets | 0.7475% | 3,505 |
| Return on Equity (ROE) | 3.0700% | 4,143 |
| Retained earnings to average equity (ytd only) | 3.0654% | 3,459 |
| Net charge-offs to loans | -0.0014% | 3,481 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 77.4202% | 1,052 |
| Assets per employee ($millions) | 6.6448% | 2,180 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2044% | 2,416 |
| Loan loss allowance to noncurrent loans | 148.6290% | 2,921 |
| Noncurrent assets plus other real estate owned to assets | 0.6220% | 860 |
| Noncurrent loans to loans | 0.8103% | 939 |
| Net loans and leases to total assets | 75.8400% | 1,071 |
| Net loans and leases to deposits | 96.1693% | 723 |
| Net loans and leases to core deposits | 119.2459% | 531 |
| Total domestic deposits to total assets | 78.8600% | 3,739 |
| Equity capital to assets | 18.6405% | 319 |
| Core capital (leverage) ratio | 19.2172% | 296 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $190,776,667 | 3,061 |
| Average earning assets | $177,328,667 | 3,044 |
| Average equity | $36,928,667 | 1,983 |
| Average total loans | $144,384,667 | 2,718 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0958% | 1,093 |
| Cost of funding earning assets | 1.0492% | 1,883 |
| Net interest margin | 4.0466% | 1,187 |
| Noninterest income to average assets | 0.2900% | 3,144 |
| Noninterest expense to average assets | 3.1079% | 922 |
| Loan and lease loss provision to assets | 0.0400% | 1,925 |
| Net operating income to assets | 0.7279% | 3,400 |
| Return on assets (ROA) | 0.7314% | 3,354 |
| Pretax return on assets | 0.9008% | 3,235 |
| Return on Equity (ROE) | 3.7100% | 4,085 |
| Retained earnings to average equity (ytd only) | 3.7052% | 3,346 |
| Net charge-offs to loans | -0.0029% | 3,502 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 73.9269% | 1,350 |
| Assets per employee ($millions) | 6.3253% | 2,475 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2683% | 2,193 |
| Loan loss allowance to noncurrent loans | 372.0408% | 1,972 |
| Noncurrent assets plus other real estate owned to assets | 0.2582% | 1,844 |
| Noncurrent loans to loans | 0.3409% | 1,922 |
| Net loans and leases to total assets | 74.7800% | 1,106 |
| Net loans and leases to deposits | 96.2089% | 633 |
| Net loans and leases to core deposits | 113.7674% | 586 |
| Total domestic deposits to total assets | 77.7300% | 4,026 |
| Equity capital to assets | 19.5064% | 253 |
| Core capital (leverage) ratio | 19.8834% | 267 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $186,492,500 | 3,126 |
| Average earning assets | $173,084,500 | 3,119 |
| Average equity | $36,813,500 | 2,014 |
| Average total loans | $140,065,500 | 2,798 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1482% | 1,354 |
| Cost of funding earning assets | 0.5183% | 1,276 |
| Net interest margin | 3.6299% | 1,554 |
| Noninterest income to average assets | 0.5200% | 1,990 |
| Noninterest expense to average assets | 3.3882% | 550 |
| Loan and lease loss provision to assets | -0.0100% | 4,279 |
| Net operating income to assets | 0.2782% | 4,386 |
| Return on assets (ROA) | 0.2764% | 4,362 |
| Pretax return on assets | 0.4856% | 4,184 |
| Return on Equity (ROE) | 1.3500% | 4,453 |
| Retained earnings to average equity (ytd only) | 1.3469% | 4,132 |
| Net charge-offs to loans | 0.0030% | 2,380 |
| Credit loss provision to net charge-offs | -375.0000% | 4,626 |
| Earnings coverage of net charge-offs (x) | 213.7500% | 626 |
| Efficiency ratio | 82.7631% | 554 |
| Assets per employee ($millions) | 6.1076% | 2,672 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3211% | 1,803 |
| Loan loss allowance to noncurrent loans | 354.7244% | 1,978 |
| Noncurrent assets plus other real estate owned to assets | 0.2882% | 1,702 |
| Noncurrent loans to loans | 0.3724% | 1,808 |
| Net loans and leases to total assets | 73.4600% | 1,269 |
| Net loans and leases to deposits | 95.1094% | 705 |
| Net loans and leases to core deposits | 113.0793% | 511 |
| Total domestic deposits to total assets | 77.2400% | 4,149 |
| Equity capital to assets | 19.9818% | 230 |
| Core capital (leverage) ratio | 20.8892% | 227 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $178,353,600 | 3,208 |
| Average earning assets | $164,579,200 | 3,205 |
| Average equity | $36,601,600 | 2,049 |
| Average total loans | $133,716,800 | 2,791 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0613% | 1,142 |
| Cost of funding earning assets | 0.4806% | 837 |
| Net interest margin | 3.5807% | 1,436 |
| Noninterest income to average assets | 0.5200% | 2,044 |
| Noninterest expense to average assets | 3.4925% | 493 |
| Loan and lease loss provision to assets | -0.0100% | 4,370 |
| Net operating income to assets | 0.1063% | 4,539 |
| Return on assets (ROA) | 0.1039% | 4,512 |
| Pretax return on assets | 0.3335% | 4,346 |
| Return on Equity (ROE) | 0.5000% | 4,529 |
| Retained earnings to average equity (ytd only) | 0.5011% | 4,270 |
| Net charge-offs to loans | 0.0040% | 2,064 |
| Credit loss provision to net charge-offs | -375.0000% | 4,681 |
| Earnings coverage of net charge-offs (x) | 108.0000% | 911 |
| Efficiency ratio | 89.3709% | 339 |
| Assets per employee ($millions) | 6.2750% | 2,508 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3757% | 1,687 |
| Loan loss allowance to noncurrent loans | 307.5085% | 2,155 |
| Noncurrent assets plus other real estate owned to assets | 0.3449% | 1,569 |
| Noncurrent loans to loans | 0.4474% | 1,688 |
| Net loans and leases to total assets | 73.5300% | 1,135 |
| Net loans and leases to deposits | 95.9463% | 556 |
| Net loans and leases to core deposits | 114.4151% | 353 |
| Total domestic deposits to total assets | 76.6300% | 4,340 |
| Equity capital to assets | 20.5492% | 208 |
| Core capital (leverage) ratio | 20.8411% | 217 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $177,096,750 | 3,234 |
| Average earning assets | $163,129,250 | 3,245 |
| Average equity | $36,715,000 | 2,081 |
| Average total loans | $132,876,500 | 2,801 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8089% | 1,292 |
| Cost of funding earning assets | 0.4773% | 594 |
| Net interest margin | 3.3316% | 1,814 |
| Noninterest income to average assets | 0.3435% | 3,097 |
| Noninterest expense to average assets | 3.0401% | 806 |
| Loan and lease loss provision to assets | 0.0079% | 2,454 |
| Net operating income to assets | 0.2795% | 4,323 |
| Return on assets (ROA) | 0.2760% | 4,278 |
| Pretax return on assets | 0.3571% | 4,217 |
| Return on Equity (ROE) | 1.3273% | 4,423 |
| Retained earnings to average equity (ytd only) | 1.3273% | 3,919 |
| Net charge-offs to loans | 0.0060% | 1,781 |
| Credit loss provision to net charge-offs | 175.0000% | 1,032 |
| Earnings coverage of net charge-offs (x) | 82.0000% | 916 |
| Efficiency ratio | 86.9177% | 543 |
| Assets per employee ($millions) | 5.7090% | 3,018 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3742% | 1,864 |
| Loan loss allowance to noncurrent loans | 401.7621% | 1,784 |
| Noncurrent assets plus other real estate owned to assets | 0.2678% | 1,972 |
| Noncurrent loans to loans | 0.3420% | 2,119 |
| Net loans and leases to total assets | 73.9699% | 923 |
| Net loans and leases to deposits | 96.6326% | 404 |
| Net loans and leases to core deposits | 115.0854% | 260 |
| Total domestic deposits to total assets | 76.5476% | 4,435 |
| Equity capital to assets | 20.5939% | 157 |
| Core capital (leverage) ratio | 20.0167% | 188 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $177,562,333 | 3,261 |
| Average earning assets | $163,405,000 | 3,287 |
| Average equity | $36,918,333 | 2,117 |
| Average total loans | $133,506,333 | 2,814 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6532% | 1,378 |
| Cost of funding earning assets | 0.4716% | 579 |
| Net interest margin | 3.1816% | 1,937 |
| Noninterest income to average assets | 0.3374% | 3,072 |
| Noninterest expense to average assets | 3.0227% | 789 |
| Loan and lease loss provision to assets | 0.0675% | 1,214 |
| Net operating income to assets | 0.1097% | 4,453 |
| Return on assets (ROA) | 0.1080% | 4,429 |
| Pretax return on assets | 0.1732% | 4,357 |
| Return on Equity (ROE) | 0.5168% | 4,481 |
| Retained earnings to average equity (ytd only) | 0.5168% | 3,914 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.2204% | 537 |
| Assets per employee ($millions) | 6.2825% | 2,573 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3628% | 2,058 |
| Loan loss allowance to noncurrent loans | 58.4280% | 3,775 |
| Noncurrent assets plus other real estate owned to assets | 1.7388% | 188 |
| Noncurrent loans to loans | 2.3324% | 275 |
| Net loans and leases to total assets | 73.5336% | 693 |
| Net loans and leases to deposits | 95.9692% | 282 |
| Net loans and leases to core deposits | 113.6414% | 194 |
| Total domestic deposits to total assets | 76.6220% | 4,479 |
| Equity capital to assets | 20.2022% | 155 |
| Core capital (leverage) ratio | 19.8086% | 177 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $177,853,500 | 3,275 |
| Average earning assets | $163,692,000 | 3,292 |
| Average equity | $37,154,000 | 2,167 |
| Average total loans | $133,891,500 | 2,811 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5690% | 2,470 |
| Cost of funding earning assets | 0.5244% | 817 |
| Net interest margin | 3.0446% | 3,062 |
| Noninterest income to average assets | 0.4966% | 2,582 |
| Noninterest expense to average assets | 2.5145% | 2,141 |
| Loan and lease loss provision to assets | 0.0643% | 1,780 |
| Net operating income to assets | 0.6285% | 3,812 |
| Return on assets (ROA) | 0.6446% | 3,821 |
| Pretax return on assets | 0.7526% | 3,832 |
| Return on Equity (ROE) | 2.6926% | 4,413 |
| Retained earnings to average equity (ytd only) | 2.6926% | 3,764 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9029% | 1,115 |
| Assets per employee ($millions) | 5.7838% | 2,974 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3800% | 2,002 |
| Loan loss allowance to noncurrent loans | 56.8530% | 3,831 |
| Noncurrent assets plus other real estate owned to assets | 1.8460% | 188 |
| Noncurrent loans to loans | 2.4273% | 281 |
| Net loans and leases to total assets | 75.0014% | 587 |
| Net loans and leases to deposits | 100.2094% | 192 |
| Net loans and leases to core deposits | 119.3084% | 169 |
| Total domestic deposits to total assets | 74.8447% | 4,559 |
| Equity capital to assets | 21.6127% | 132 |
| Core capital (leverage) ratio | 20.7315% | 151 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $155,456,800 | 3,435 |
| Average earning assets | $143,795,600 | 3,431 |
| Average equity | $37,212,600 | 2,189 |
| Average total loans | $113,478,200 | 3,018 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5333% | 2,736 |
| Cost of funding earning assets | 0.5376% | 884 |
| Net interest margin | 2.9957% | 3,321 |
| Noninterest income to average assets | 0.5300% | 2,497 |
| Noninterest expense to average assets | 2.3346% | 2,646 |
| Loan and lease loss provision to assets | 0.0616% | 1,763 |
| Net operating income to assets | 0.7891% | 3,553 |
| Return on assets (ROA) | 0.8091% | 3,576 |
| Pretax return on assets | 0.9328% | 3,624 |
| Return on Equity (ROE) | 3.2883% | 4,419 |
| Retained earnings to average equity (ytd only) | 3.2883% | 3,802 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6118% | 1,536 |
| Assets per employee ($millions) | 6.1357% | 2,559 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4372% | 1,861 |
| Loan loss allowance to noncurrent loans | 61.1889% | 3,832 |
| Noncurrent assets plus other real estate owned to assets | 1.7668% | 241 |
| Noncurrent loans to loans | 2.3488% | 338 |
| Net loans and leases to total assets | 74.1410% | 681 |
| Net loans and leases to deposits | 101.1655% | 201 |
| Net loans and leases to core deposits | 122.4235% | 161 |
| Total domestic deposits to total assets | 73.2869% | 4,662 |
| Equity capital to assets | 22.7014% | 123 |
| Core capital (leverage) ratio | 25.0027% | 99 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $150,942,500 | 3,512 |
| Average earning assets | $139,884,500 | 3,508 |
| Average equity | $37,140,500 | 2,219 |
| Average total loans | $108,858,000 | 3,134 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5139% | 2,852 |
| Cost of funding earning assets | 0.5667% | 880 |
| Net interest margin | 2.9472% | 3,454 |
| Noninterest income to average assets | 0.5725% | 2,327 |
| Noninterest expense to average assets | 2.3898% | 2,497 |
| Loan and lease loss provision to assets | 0.0548% | 1,938 |
| Net operating income to assets | 0.7948% | 3,526 |
| Return on assets (ROA) | 0.7998% | 3,588 |
| Pretax return on assets | 0.8683% | 3,729 |
| Return on Equity (ROE) | 3.1581% | 4,449 |
| Retained earnings to average equity (ytd only) | 3.1581% | 3,794 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2567% | 1,408 |
| Assets per employee ($millions) | 7.7864% | 1,315 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6626% | 1,139 |
| Loan loss allowance to noncurrent loans | 56.1185% | 3,883 |
| Noncurrent assets plus other real estate owned to assets | 2.1211% | 194 |
| Noncurrent loans to loans | 2.9627% | 247 |
| Net loans and leases to total assets | 70.4031% | 1,150 |
| Net loans and leases to deposits | 100.2165% | 250 |
| Net loans and leases to core deposits | 121.7874% | 199 |
| Total domestic deposits to total assets | 70.2510% | 4,751 |
| Equity capital to assets | 25.1681% | 90 |
| Core capital (leverage) ratio | 24.9342% | 95 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $146,035,333 | 3,561 |
| Average earning assets | $135,518,667 | 3,565 |
| Average equity | $36,984,667 | 2,218 |
| Average total loans | $103,605,333 | 3,210 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4845% | 2,966 |
| Cost of funding earning assets | 0.5917% | 911 |
| Net interest margin | 2.8929% | 3,546 |
| Noninterest income to average assets | 0.6176% | 2,136 |
| Noninterest expense to average assets | 2.1753% | 3,181 |
| Loan and lease loss provision to assets | 0.0276% | 2,424 |
| Net operating income to assets | 0.8680% | 3,214 |
| Return on assets (ROA) | 0.8767% | 3,272 |
| Pretax return on assets | 1.1083% | 3,092 |
| Return on Equity (ROE) | 3.4509% | 4,386 |
| Retained earnings to average equity (ytd only) | 3.4509% | 3,647 |
| Net charge-offs to loans | 0.0390% | 1,083 |
| Credit loss provision to net charge-offs | 100.0000% | 1,107 |
| Earnings coverage of net charge-offs (x) | 40.8000% | 976 |
| Efficiency ratio | 65.9148% | 2,246 |
| Assets per employee ($millions) | 8.2463% | 1,081 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6730% | 1,111 |
| Loan loss allowance to noncurrent loans | 53.1173% | 3,955 |
| Noncurrent assets plus other real estate owned to assets | 2.1996% | 211 |
| Noncurrent loans to loans | 3.1495% | 240 |
| Net loans and leases to total assets | 68.1459% | 1,514 |
| Net loans and leases to deposits | 97.7200% | 353 |
| Net loans and leases to core deposits | 117.4645% | 271 |
| Total domestic deposits to total assets | 69.7358% | 4,774 |
| Equity capital to assets | 24.8772% | 94 |
| Core capital (leverage) ratio | 25.1093% | 92 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $145,082,500 | 3,574 |
| Average earning assets | $134,538,000 | 3,582 |
| Average equity | $36,860,000 | 2,211 |
| Average total loans | $102,450,000 | 3,225 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5335% | 3,958 |
| Cost of funding earning assets | 0.8543% | 1,006 |
| Net interest margin | 2.6792% | 4,407 |
| Noninterest income to average assets | 0.2263% | 4,143 |
| Noninterest expense to average assets | 2.1321% | 3,864 |
| Loan and lease loss provision to assets | 0.1504% | 2,494 |
| Net operating income to assets | 0.3488% | 4,347 |
| Return on assets (ROA) | 0.4376% | 4,251 |
| Pretax return on assets | 0.5457% | 4,187 |
| Return on Equity (ROE) | 1.6827% | 4,600 |
| Retained earnings to average equity (ytd only) | 1.6827% | 3,958 |
| Net charge-offs to loans | -0.0316% | 4,551 |
| Credit loss provision to net charge-offs | -724.1379% | 3,992 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.4660% | 1,000 |
| Assets per employee ($millions) | 7.4596% | 1,305 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6868% | 1,070 |
| Loan loss allowance to noncurrent loans | 52.7429% | 3,985 |
| Noncurrent assets plus other real estate owned to assets | 2.3022% | 216 |
| Noncurrent loans to loans | 3.1981% | 251 |
| Net loans and leases to total assets | 70.7723% | 1,458 |
| Net loans and leases to deposits | 103.7816% | 263 |
| Net loans and leases to core deposits | 125.9300% | 244 |
| Total domestic deposits to total assets | 68.1935% | 4,809 |
| Equity capital to assets | 25.9603% | 87 |
| Core capital (leverage) ratio | 25.7112% | 87 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $139,627,600 | 3,514 |
| Average earning assets | $129,814,400 | 3,507 |
| Average equity | $36,311,400 | 2,161 |
| Average total loans | $91,828,800 | 3,373 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6115% | 3,987 |
| Cost of funding earning assets | 0.9137% | 1,025 |
| Net interest margin | 2.6978% | 4,468 |
| Noninterest income to average assets | 0.1754% | 4,414 |
| Noninterest expense to average assets | 2.1068% | 3,928 |
| Loan and lease loss provision to assets | 0.0288% | 3,973 |
| Net operating income to assets | 0.4744% | 4,102 |
| Return on assets (ROA) | 0.4802% | 4,161 |
| Pretax return on assets | 0.5569% | 4,181 |
| Return on Equity (ROE) | 1.8457% | 4,575 |
| Retained earnings to average equity (ytd only) | 1.8457% | 3,984 |
| Net charge-offs to loans | -0.0433% | 4,634 |
| Credit loss provision to net charge-offs | -103.4483% | 3,583 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.4440% | 990 |
| Assets per employee ($millions) | 7.8509% | 1,058 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6495% | 980 |
| Loan loss allowance to noncurrent loans | 550.3571% | 973 |
| Noncurrent assets plus other real estate owned to assets | 0.1981% | 3,447 |
| Noncurrent loans to loans | 0.2997% | 3,203 |
| Net loans and leases to total assets | 65.0162% | 2,638 |
| Net loans and leases to deposits | 95.6037% | 787 |
| Net loans and leases to core deposits | 119.5438% | 425 |
| Total domestic deposits to total assets | 68.0060% | 4,810 |
| Equity capital to assets | 26.0365% | 86 |
| Core capital (leverage) ratio | 25.5303% | 90 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $139,101,500 | 3,511 |
| Average earning assets | $129,436,750 | 3,502 |
| Average equity | $36,190,750 | 2,159 |
| Average total loans | $89,279,000 | 3,428 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6320% | 4,210 |
| Cost of funding earning assets | 0.9657% | 1,088 |
| Net interest margin | 2.6662% | 4,590 |
| Noninterest income to average assets | 0.1590% | 4,499 |
| Noninterest expense to average assets | 2.0757% | 4,083 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.5003% | 4,019 |
| Return on assets (ROA) | 0.5016% | 4,088 |
| Pretax return on assets | 0.5710% | 4,119 |
| Return on Equity (ROE) | 1.9283% | 4,546 |
| Retained earnings to average equity (ytd only) | 1.9283% | 3,790 |
| Net charge-offs to loans | -0.0660% | 4,751 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.4699% | 1,008 |
| Assets per employee ($millions) | 7.5180% | 1,169 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7722% | 700 |
| Loan loss allowance to noncurrent loans | 277.7574% | 1,661 |
| Noncurrent assets plus other real estate owned to assets | 0.4004% | 2,689 |
| Noncurrent loans to loans | 0.6380% | 2,266 |
| Net loans and leases to total assets | 58.6319% | 3,455 |
| Net loans and leases to deposits | 85.9964% | 1,765 |
| Net loans and leases to core deposits | 108.0937% | 811 |
| Total domestic deposits to total assets | 68.1795% | 4,836 |
| Equity capital to assets | 25.5968% | 96 |
| Core capital (leverage) ratio | 25.4915% | 89 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $138,363,000 | 3,499 |
| Average earning assets | $129,021,000 | 3,484 |
| Average equity | $35,989,667 | 2,163 |
| Average total loans | $87,898,667 | 3,460 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8239% | 4,181 |
| Cost of funding earning assets | 0.9921% | 1,452 |
| Net interest margin | 2.8318% | 4,533 |
| Noninterest income to average assets | 0.1293% | 4,723 |
| Noninterest expense to average assets | 2.0775% | 4,265 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.5853% | 3,643 |
| Return on assets (ROA) | 0.5877% | 3,691 |
| Pretax return on assets | 0.7052% | 3,673 |
| Return on Equity (ROE) | 2.2407% | 4,396 |
| Retained earnings to average equity (ytd only) | 2.2407% | 3,353 |
| Net charge-offs to loans | 0.0269% | 1,836 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 39.8333% | 1,033 |
| Efficiency ratio | 74.7357% | 1,722 |
| Assets per employee ($millions) | 7.9389% | 750 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6668% | 922 |
| Loan loss allowance to noncurrent loans | 241.9672% | 1,806 |
| Noncurrent assets plus other real estate owned to assets | 0.4269% | 2,764 |
| Noncurrent loans to loans | 0.6889% | 2,272 |
| Net loans and leases to total assets | 60.9356% | 3,406 |
| Net loans and leases to deposits | 89.7368% | 1,543 |
| Net loans and leases to core deposits | 117.0579% | 554 |
| Total domestic deposits to total assets | 67.9048% | 4,927 |
| Equity capital to assets | 24.9965% | 114 |
| Core capital (leverage) ratio | 27.2306% | 91 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $136,123,500 | 3,501 |
| Average earning assets | $127,408,000 | 3,479 |
| Average equity | $35,703,000 | 2,162 |
| Average total loans | $89,217,000 | 3,412 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3060% | 3,529 |
| Cost of funding earning assets | 1.0184% | 1,645 |
| Net interest margin | 3.2876% | 4,016 |
| Noninterest income to average assets | 0.1163% | 4,877 |
| Noninterest expense to average assets | 2.1015% | 4,368 |
| Loan and lease loss provision to assets | 0.1232% | 1,720 |
| Net operating income to assets | 0.8032% | 3,542 |
| Return on assets (ROA) | 0.8032% | 3,630 |
| Pretax return on assets | 0.9741% | 3,530 |
| Return on Equity (ROE) | 2.9890% | 4,665 |
| Retained earnings to average equity (ytd only) | 2.9890% | 3,534 |
| Net charge-offs to loans | 0.0463% | 2,461 |
| Credit loss provision to net charge-offs | 390.2439% | 722 |
| Earnings coverage of net charge-offs (x) | 34.7561% | 1,436 |
| Efficiency ratio | 65.6957% | 2,821 |
| Assets per employee ($millions) | 7.6086% | 827 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6488% | 885 |
| Loan loss allowance to noncurrent loans | 236.3636% | 1,845 |
| Noncurrent assets plus other real estate owned to assets | 0.4847% | 2,469 |
| Noncurrent loans to loans | 0.6976% | 2,137 |
| Net loans and leases to total assets | 68.3425% | 2,632 |
| Net loans and leases to deposits | 106.1123% | 296 |
| Net loans and leases to core deposits | 119.5922% | 488 |
| Total domestic deposits to total assets | 64.4058% | 5,047 |
| Equity capital to assets | 27.5894% | 93 |
| Core capital (leverage) ratio | 27.6004% | 91 |
| Tier 1 risk-based capital ratio | 40.6123% | 234 |
| Total risk-based capital ratio | 41.8681% | 229 |
| Memoranda: | ||
| Average total assets | $129,861,400 | 3,566 |
| Average earning assets | $121,761,400 | 3,538 |
| Average equity | $34,894,400 | 2,146 |
| Average total loans | $88,573,000 | 3,435 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3569% | 3,493 |
| Cost of funding earning assets | 1.0075% | 1,728 |
| Net interest margin | 3.3494% | 3,989 |
| Noninterest income to average assets | 0.1128% | 4,945 |
| Noninterest expense to average assets | 2.0534% | 4,450 |
| Loan and lease loss provision to assets | 0.1641% | 1,137 |
| Net operating income to assets | 0.8513% | 3,516 |
| Return on assets (ROA) | 0.8513% | 3,598 |
| Pretax return on assets | 1.0359% | 3,484 |
| Return on Equity (ROE) | 3.1895% | 4,738 |
| Retained earnings to average equity (ytd only) | 3.1895% | 3,811 |
| Net charge-offs to loans | 0.0272% | 2,548 |
| Credit loss provision to net charge-offs | 888.8889% | 398 |
| Earnings coverage of net charge-offs (x) | 64.9983% | 1,008 |
| Efficiency ratio | 63.1148% | 3,143 |
| Assets per employee ($millions) | 8.0686% | 674 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6849% | 848 |
| Loan loss allowance to noncurrent loans | 233.6957% | 1,855 |
| Noncurrent assets plus other real estate owned to assets | 0.4988% | 2,534 |
| Noncurrent loans to loans | 0.7210% | 2,163 |
| Net loans and leases to total assets | 68.0235% | 2,786 |
| Net loans and leases to deposits | 105.8393% | 330 |
| Net loans and leases to core deposits | 119.4091% | 552 |
| Total domestic deposits to total assets | 64.2706% | 5,119 |
| Equity capital to assets | 27.4288% | 95 |
| Core capital (leverage) ratio | 27.7001% | 90 |
| Tier 1 risk-based capital ratio | 40.0013% | 242 |
| Total risk-based capital ratio | 41.2569% | 241 |
| Memoranda: | ||
| Average total assets | $129,990,000 | 3,600 |
| Average earning assets | $121,888,500 | 3,577 |
| Average equity | $34,696,500 | 2,165 |
| Average total loans | $88,246,000 | 3,480 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4464% | 3,192 |
| Cost of funding earning assets | 0.9934% | 1,728 |
| Net interest margin | 3.4531% | 3,737 |
| Noninterest income to average assets | 0.1059% | 5,013 |
| Noninterest expense to average assets | 2.0232% | 4,567 |
| Loan and lease loss provision to assets | 0.2303% | 707 |
| Net operating income to assets | 0.9072% | 3,253 |
| Return on assets (ROA) | 0.9072% | 3,320 |
| Pretax return on assets | 1.0914% | 3,260 |
| Return on Equity (ROE) | 3.4302% | 4,701 |
| Retained earnings to average equity (ytd only) | 3.4302% | 3,527 |
| Net charge-offs to loans | 0.1115% | 1,300 |
| Credit loss provision to net charge-offs | 306.1224% | 885 |
| Earnings coverage of net charge-offs (x) | 17.5714% | 1,885 |
| Efficiency ratio | 60.4865% | 3,654 |
| Assets per employee ($millions) | 7.5808% | 780 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6750% | 863 |
| Loan loss allowance to noncurrent loans | 275.7062% | 1,697 |
| Noncurrent assets plus other real estate owned to assets | 0.5207% | 2,474 |
| Noncurrent loans to loans | 0.6075% | 2,441 |
| Net loans and leases to total assets | 66.6835% | 3,020 |
| Net loans and leases to deposits | 104.1724% | 413 |
| Net loans and leases to core deposits | 116.4837% | 664 |
| Total domestic deposits to total assets | 64.0126% | 5,170 |
| Equity capital to assets | 27.2392% | 96 |
| Core capital (leverage) ratio | 27.3918% | 94 |
| Tier 1 risk-based capital ratio | 39.9115% | 234 |
| Total risk-based capital ratio | 41.1659% | 229 |
| Memoranda: | ||
| Average total assets | $130,287,330 | 3,615 |
| Average earning assets | $122,210,000 | 3,596 |
| Average equity | $34,458,670 | 2,171 |
| Average total loans | $87,887,330 | 3,503 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4992% | 2,867 |
| Cost of funding earning assets | 0.9955% | 1,584 |
| Net interest margin | 3.5037% | 3,581 |
| Noninterest income to average assets | 0.1160% | 5,025 |
| Noninterest expense to average assets | 2.0184% | 4,605 |
| Loan and lease loss provision to assets | 0.2290% | 669 |
| Net operating income to assets | 0.9527% | 3,039 |
| Return on assets (ROA) | 0.9527% | 3,081 |
| Pretax return on assets | 1.1573% | 2,950 |
| Return on Equity (ROE) | 3.6560% | 4,648 |
| Retained earnings to average equity (ytd only) | 3.6560% | 3,457 |
| Net charge-offs to loans | 0.0545% | 1,505 |
| Credit loss provision to net charge-offs | 625.0000% | 523 |
| Earnings coverage of net charge-offs (x) | 37.8333% | 1,189 |
| Efficiency ratio | 59.2825% | 3,911 |
| Assets per employee ($millions) | 7.2155% | 912 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6804% | 900 |
| Loan loss allowance to noncurrent loans | 594.1667% | 906 |
| Noncurrent assets plus other real estate owned to assets | 0.2002% | 3,817 |
| Noncurrent loans to loans | 0.2828% | 3,547 |
| Net loans and leases to total assets | 64.2390% | 3,254 |
| Net loans and leases to deposits | 99.7430% | 657 |
| Net loans and leases to core deposits | 110.5424% | 896 |
| Total domestic deposits to total assets | 64.4046% | 5,232 |
| Equity capital to assets | 26.5085% | 97 |
| Core capital (leverage) ratio | 26.3580% | 98 |
| Tier 1 risk-based capital ratio | 40.7220% | 225 |
| Total risk-based capital ratio | 41.9773% | 222 |
| Memoranda: | ||
| Average total assets | $130,994,500 | 3,646 |
| Average earning assets | $122,954,000 | 3,614 |
| Average equity | $34,136,000 | 2,183 |
| Average total loans | $88,130,500 | 3,532 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1155% | 3,694 |
| Cost of funding earning assets | 0.7030% | 2,074 |
| Net interest margin | 3.4125% | 3,968 |
| Noninterest income to average assets | 0.0986% | 5,157 |
| Noninterest expense to average assets | 2.0451% | 4,668 |
| Loan and lease loss provision to assets | 0.2707% | 624 |
| Net operating income to assets | 1.0003% | 3,008 |
| Return on assets (ROA) | 1.0003% | 2,996 |
| Pretax return on assets | 0.9834% | 3,662 |
| Return on Equity (ROE) | 3.7256% | 4,774 |
| Retained earnings to average equity (ytd only) | 3.7256% | 3,525 |
| Net charge-offs to loans | 0.1336% | 1,414 |
| Credit loss provision to net charge-offs | 304.5455% | 1,018 |
| Earnings coverage of net charge-offs (x) | 14.1091% | 2,398 |
| Efficiency ratio | 61.9887% | 3,527 |
| Assets per employee ($millions) | 7.3394% | 853 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4912% | 1,321 |
| Loan loss allowance to noncurrent loans | 478.2456% | 1,135 |
| Noncurrent assets plus other real estate owned to assets | 0.2157% | 3,743 |
| Noncurrent loans to loans | 0.3118% | 3,433 |
| Net loans and leases to total assets | 68.1546% | 2,863 |
| Net loans and leases to deposits | 104.7014% | 446 |
| Net loans and leases to core deposits | 122.9101% | 471 |
| Total domestic deposits to total assets | 65.0942% | 5,258 |
| Equity capital to assets | 25.6173% | 102 |
| Core capital (leverage) ratio | 26.1831% | 93 |
| Tier 1 risk-based capital ratio | 36.5705% | 286 |
| Total risk-based capital ratio | 37.8226% | 282 |
| Memoranda: | ||
| Average total assets | $123,757,600 | 3,732 |
| Average earning assets | $116,073,800 | 3,718 |
| Average equity | $33,229,600 | 2,142 |
| Average total loans | $82,341,600 | 3,615 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0294% | 3,847 |
| Cost of funding earning assets | 0.6020% | 2,464 |
| Net interest margin | 3.4274% | 3,925 |
| Noninterest income to average assets | 0.0921% | 5,236 |
| Noninterest expense to average assets | 1.9824% | 4,774 |
| Loan and lease loss provision to assets | 0.2849% | 525 |
| Net operating income to assets | 1.0542% | 2,855 |
| Return on assets (ROA) | 1.0542% | 2,866 |
| Pretax return on assets | 1.0378% | 3,617 |
| Return on Equity (ROE) | 3.8778% | 4,846 |
| Retained earnings to average equity (ytd only) | 3.8778% | 3,839 |
| Net charge-offs to loans | 0.1748% | 954 |
| Credit loss provision to net charge-offs | 247.6190% | 1,190 |
| Earnings coverage of net charge-offs (x) | 11.4949% | 2,510 |
| Efficiency ratio | 59.9801% | 3,814 |
| Assets per employee ($millions) | 6.6969% | 1,089 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4678% | 1,459 |
| Loan loss allowance to noncurrent loans | 432.4415% | 1,240 |
| Noncurrent assets plus other real estate owned to assets | 0.2578% | 3,659 |
| Noncurrent loans to loans | 0.3394% | 3,444 |
| Net loans and leases to total assets | 68.2141% | 2,899 |
| Net loans and leases to deposits | 112.0366% | 237 |
| Net loans and leases to core deposits | 120.9293% | 550 |
| Total domestic deposits to total assets | 60.8856% | 5,385 |
| Equity capital to assets | 26.1376% | 98 |
| Core capital (leverage) ratio | 27.8395% | 82 |
| Tier 1 risk-based capital ratio | 35.3347% | 318 |
| Total risk-based capital ratio | 36.5860% | 315 |
| Memoranda: | ||
| Average total assets | $121,669,500 | 3,802 |
| Average earning assets | $114,060,000 | 3,782 |
| Average equity | $33,076,250 | 2,158 |
| Average total loans | $80,076,500 | 3,695 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9374% | 3,971 |
| Cost of funding earning assets | 0.5198% | 2,843 |
| Net interest margin | 3.4176% | 3,900 |
| Noninterest income to average assets | 0.0684% | 5,356 |
| Noninterest expense to average assets | 1.9647% | 4,856 |
| Loan and lease loss provision to assets | 0.2921% | 475 |
| Net operating income to assets | 1.2269% | 2,076 |
| Return on assets (ROA) | 1.2269% | 2,076 |
| Pretax return on assets | 1.0166% | 3,612 |
| Return on Equity (ROE) | 4.4524% | 4,707 |
| Retained earnings to average equity (ytd only) | 4.4524% | 3,372 |
| Net charge-offs to loans | 0.2868% | 559 |
| Credit loss provision to net charge-offs | 157.6577% | 1,530 |
| Earnings coverage of net charge-offs (x) | 7.0631% | 2,578 |
| Efficiency ratio | 60.0204% | 3,929 |
| Assets per employee ($millions) | 6.7577% | 1,033 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4829% | 1,452 |
| Loan loss allowance to noncurrent loans | 200.3333% | 2,248 |
| Noncurrent assets plus other real estate owned to assets | 0.5377% | 2,617 |
| Noncurrent loans to loans | 0.7402% | 2,259 |
| Net loans and leases to total assets | 65.6508% | 3,198 |
| Net loans and leases to deposits | 105.2578% | 472 |
| Net loans and leases to core deposits | 109.5988% | 1,028 |
| Total domestic deposits to total assets | 62.3714% | 5,432 |
| Equity capital to assets | 27.2610% | 87 |
| Core capital (leverage) ratio | 28.1760% | 80 |
| Tier 1 risk-based capital ratio | 36.5990% | 286 |
| Total risk-based capital ratio | 37.8491% | 282 |
| Memoranda: | ||
| Average total assets | $119,812,000 | 3,863 |
| Average earning assets | $112,358,000 | 3,840 |
| Average equity | $33,015,670 | 2,170 |
| Average total loans | $77,405,330 | 3,767 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7890% | 4,246 |
| Cost of funding earning assets | 0.4083% | 3,525 |
| Net interest margin | 3.3807% | 3,947 |
| Noninterest income to average assets | 0.1245% | 5,235 |
| Noninterest expense to average assets | 2.1195% | 4,618 |
| Loan and lease loss provision to assets | 0.0841% | 2,122 |
| Net operating income to assets | 1.7797% | 588 |
| Return on assets (ROA) | 1.7797% | 596 |
| Pretax return on assets | 1.0967% | 3,184 |
| Return on Equity (ROE) | 6.4231% | 4,014 |
| Retained earnings to average equity (ytd only) | 6.4231% | 2,541 |
| Net charge-offs to loans | 0.4552% | 334 |
| Credit loss provision to net charge-offs | 29.0698% | 2,074 |
| Earnings coverage of net charge-offs (x) | 4.0814% | 2,330 |
| Efficiency ratio | 64.2202% | 3,445 |
| Assets per employee ($millions) | 6.6579% | 1,116 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3916% | 1,875 |
| Loan loss allowance to noncurrent loans | 127.6066% | 3,015 |
| Noncurrent assets plus other real estate owned to assets | 0.7043% | 2,214 |
| Noncurrent loans to loans | 1.0905% | 1,681 |
| Net loans and leases to total assets | 63.6808% | 3,349 |
| Net loans and leases to deposits | 98.7705% | 805 |
| Net loans and leases to core deposits | 101.7601% | 1,553 |
| Total domestic deposits to total assets | 64.4735% | 5,479 |
| Equity capital to assets | 27.5260% | 79 |
| Core capital (leverage) ratio | 29.0640% | 70 |
| Tier 1 risk-based capital ratio | 37.6385% | 264 |
| Total risk-based capital ratio | 38.8291% | 262 |
| Memoranda: | ||
| Average total assets | $118,898,500 | 3,916 |
| Average earning assets | $111,693,000 | 3,894 |
| Average equity | $32,943,500 | 2,187 |
| Average total loans | $75,578,500 | 3,846 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5958% | 4,583 |
| Cost of funding earning assets | 0.3417% | 3,785 |
| Net interest margin | 3.2541% | 4,296 |
| Noninterest income to average assets | 0.1427% | 5,233 |
| Noninterest expense to average assets | 2.2208% | 4,487 |
| Loan and lease loss provision to assets | 0.0793% | 2,607 |
| Net operating income to assets | 0.6534% | 3,805 |
| Return on assets (ROA) | 0.6534% | 3,842 |
| Pretax return on assets | 0.8955% | 3,938 |
| Return on Equity (ROE) | 2.2780% | 4,997 |
| Retained earnings to average equity (ytd only) | 2.2780% | 3,954 |
| Net charge-offs to loans | 0.0679% | 2,488 |
| Credit loss provision to net charge-offs | 200.0000% | 1,355 |
| Earnings coverage of net charge-offs (x) | 24.6000% | 1,752 |
| Efficiency ratio | 69.4957% | 2,625 |
| Assets per employee ($millions) | 6.5530% | 1,179 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5428% | 1,287 |
| Loan loss allowance to noncurrent loans | 128.5876% | 3,098 |
| Noncurrent assets plus other real estate owned to assets | 0.7927% | 1,966 |
| Noncurrent loans to loans | 1.1998% | 1,481 |
| Net loans and leases to total assets | 61.5706% | 3,669 |
| Net loans and leases to deposits | 94.7167% | 1,197 |
| Net loans and leases to core deposits | 97.5972% | 1,890 |
| Total domestic deposits to total assets | 65.0050% | 5,536 |
| Equity capital to assets | 27.8914% | 74 |
| Core capital (leverage) ratio | 29.1928% | 66 |
| Tier 1 risk-based capital ratio | 40.8607% | 203 |
| Total risk-based capital ratio | 42.1126% | 200 |
| Memoranda: | ||
| Average total assets | $113,563,000 | 4,001 |
| Average earning assets | $106,541,000 | 3,973 |
| Average equity | $32,572,800 | 2,193 |
| Average total loans | $66,270,600 | 4,044 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5539% | 4,675 |
| Cost of funding earning assets | 0.3363% | 3,808 |
| Net interest margin | 3.2176% | 4,405 |
| Noninterest income to average assets | 0.1482% | 5,266 |
| Noninterest expense to average assets | 2.2549% | 4,408 |
| Loan and lease loss provision to assets | 0.0474% | 3,155 |
| Net operating income to assets | 0.6331% | 4,260 |
| Return on assets (ROA) | 0.6331% | 4,317 |
| Pretax return on assets | 0.8631% | 4,163 |
| Return on Equity (ROE) | 2.1913% | 5,276 |
| Retained earnings to average equity (ytd only) | 2.1913% | 4,543 |
| Net charge-offs to loans | 0.0932% | 1,857 |
| Credit loss provision to net charge-offs | 88.8889% | 2,473 |
| Earnings coverage of net charge-offs (x) | 17.0662% | 2,127 |
| Efficiency ratio | 71.2360% | 2,333 |
| Assets per employee ($millions) | 6.2503% | 1,338 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5463% | 1,374 |
| Loan loss allowance to noncurrent loans | 124.3429% | 3,155 |
| Noncurrent assets plus other real estate owned to assets | 0.8408% | 2,045 |
| Noncurrent loans to loans | 1.2436% | 1,535 |
| Net loans and leases to total assets | 61.5745% | 3,706 |
| Net loans and leases to deposits | 93.9615% | 1,307 |
| Net loans and leases to core deposits | 94.9389% | 2,176 |
| Total domestic deposits to total assets | 65.5316% | 5,599 |
| Equity capital to assets | 29.3042% | 67 |
| Core capital (leverage) ratio | 29.4732% | 61 |
| Tier 1 risk-based capital ratio | 42.1694% | 197 |
| Total risk-based capital ratio | 43.4227% | 192 |
| Memoranda: | ||
| Average total assets | $112,465,250 | 4,062 |
| Average earning assets | $105,459,250 | 4,038 |
| Average equity | $32,491,250 | 2,211 |
| Average total loans | $64,397,500 | 4,121 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4736% | 4,826 |
| Cost of funding earning assets | 0.3261% | 3,837 |
| Net interest margin | 3.1475% | 4,551 |
| Noninterest income to average assets | 0.1583% | 5,260 |
| Noninterest expense to average assets | 2.3459% | 4,225 |
| Loan and lease loss provision to assets | 0.0267% | 3,467 |
| Net operating income to assets | 0.5460% | 4,541 |
| Return on assets (ROA) | 0.5460% | 4,580 |
| Pretax return on assets | 0.7381% | 4,460 |
| Return on Equity (ROE) | 1.8990% | 5,355 |
| Retained earnings to average equity (ytd only) | 1.8990% | 4,490 |
| Net charge-offs to loans | 0.1442% | 1,289 |
| Credit loss provision to net charge-offs | 33.3333% | 2,701 |
| Earnings coverage of net charge-offs (x) | 9.5556% | 2,421 |
| Efficiency ratio | 75.4145% | 1,807 |
| Assets per employee ($millions) | 6.6770% | 1,062 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6535% | 1,151 |
| Loan loss allowance to noncurrent loans | 106.7269% | 3,452 |
| Noncurrent assets plus other real estate owned to assets | 0.9400% | 1,871 |
| Noncurrent loans to loans | 1.5493% | 1,205 |
| Net loans and leases to total assets | 55.7004% | 4,251 |
| Net loans and leases to deposits | 83.7229% | 2,519 |
| Net loans and leases to core deposits | 84.5695% | 3,008 |
| Total domestic deposits to total assets | 66.5295% | 5,630 |
| Equity capital to assets | 28.8920% | 62 |
| Core capital (leverage) ratio | 29.2837% | 58 |
| Tier 1 risk-based capital ratio | 43.4911% | 174 |
| Total risk-based capital ratio | 44.7424% | 172 |
| Memoranda: | ||
| Average total assets | $112,451,670 | 4,089 |
| Average earning assets | $105,480,330 | 4,061 |
| Average equity | $32,332,000 | 2,211 |
| Average total loans | $62,409,000 | 4,193 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4130% | 4,902 |
| Cost of funding earning assets | 0.3276% | 3,777 |
| Net interest margin | 3.0854% | 4,698 |
| Noninterest income to average assets | 0.1394% | 5,416 |
| Noninterest expense to average assets | 2.3516% | 4,258 |
| Loan and lease loss provision to assets | 0.0536% | 2,733 |
| Net operating income to assets | 0.4539% | 4,761 |
| Return on assets (ROA) | 0.4539% | 4,782 |
| Pretax return on assets | 0.6290% | 4,665 |
| Return on Equity (ROE) | 1.5825% | 5,405 |
| Retained earnings to average equity (ytd only) | 1.5825% | 4,469 |
| Net charge-offs to loans | 0.0651% | 1,681 |
| Credit loss provision to net charge-offs | 150.0000% | 1,207 |
| Earnings coverage of net charge-offs (x) | 19.1000% | 1,544 |
| Efficiency ratio | 77.5029% | 1,698 |
| Assets per employee ($millions) | 6.6819% | 1,088 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7947% | 968 |
| Loan loss allowance to noncurrent loans | 97.6000% | 3,657 |
| Noncurrent assets plus other real estate owned to assets | 0.9904% | 1,844 |
| Noncurrent loans to loans | 1.8388% | 1,010 |
| Net loans and leases to total assets | 52.8937% | 4,438 |
| Net loans and leases to deposits | 75.5771% | 3,246 |
| Net loans and leases to core deposits | 76.2988% | 3,626 |
| Total domestic deposits to total assets | 69.9864% | 5,631 |
| Equity capital to assets | 28.3858% | 65 |
| Core capital (leverage) ratio | 29.0290% | 65 |
| Tier 1 risk-based capital ratio | 46.7801% | 157 |
| Total risk-based capital ratio | 48.0339% | 154 |
| Memoranda: | ||
| Average total assets | $111,923,000 | 4,139 |
| Average earning assets | $105,009,000 | 4,100 |
| Average equity | $32,100,500 | 2,232 |
| Average total loans | $61,469,500 | 4,260 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2997% | 5,159 |
| Cost of funding earning assets | 0.3658% | 3,360 |
| Net interest margin | 2.9339% | 5,076 |
| Noninterest income to average assets | 0.1391% | 5,493 |
| Noninterest expense to average assets | 2.3363% | 4,467 |
| Loan and lease loss provision to assets | 0.0889% | 2,588 |
| Net operating income to assets | 0.3425% | 5,101 |
| Return on assets (ROA) | 0.3465% | 5,176 |
| Pretax return on assets | 0.4694% | 5,090 |
| Return on Equity (ROE) | 1.2048% | 5,532 |
| Retained earnings to average equity (ytd only) | 1.2048% | 4,806 |
| Net charge-offs to loans | 0.1457% | 1,807 |
| Credit loss provision to net charge-offs | 113.7931% | 2,310 |
| Earnings coverage of net charge-offs (x) | 7.0805% | 3,077 |
| Efficiency ratio | 80.8636% | 1,318 |
| Assets per employee ($millions) | 6.4855% | 1,165 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7698% | 1,000 |
| Loan loss allowance to noncurrent loans | 95.6255% | 3,720 |
| Noncurrent assets plus other real estate owned to assets | 1.0621% | 1,778 |
| Noncurrent loans to loans | 1.8508% | 1,015 |
| Net loans and leases to total assets | 55.0229% | 4,347 |
| Net loans and leases to deposits | 77.9395% | 3,112 |
| Net loans and leases to core deposits | 79.4263% | 3,444 |
| Total domestic deposits to total assets | 70.5970% | 5,636 |
| Equity capital to assets | 28.9849% | 66 |
| Core capital (leverage) ratio | 29.0915% | 65 |
| Tier 1 risk-based capital ratio | 48.0209% | 151 |
| Total risk-based capital ratio | 49.2749% | 148 |
| Memoranda: | ||
| Average total assets | $111,414,600 | 4,139 |
| Average earning assets | $104,432,800 | 4,107 |
| Average equity | $32,037,400 | 2,221 |
| Average total loans | $59,703,600 | 4,308 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3097% | 5,205 |
| Cost of funding earning assets | 0.3655% | 3,380 |
| Net interest margin | 2.9442% | 5,105 |
| Noninterest income to average assets | 0.1635% | 5,450 |
| Noninterest expense to average assets | 2.3478% | 4,417 |
| Loan and lease loss provision to assets | 0.1182% | 1,958 |
| Net operating income to assets | 0.3299% | 5,214 |
| Return on assets (ROA) | 0.3342% | 5,277 |
| Pretax return on assets | 0.4631% | 5,203 |
| Return on Equity (ROE) | 1.1645% | 5,628 |
| Retained earnings to average equity (ytd only) | 1.1645% | 5,040 |
| Net charge-offs to loans | 0.1892% | 1,232 |
| Credit loss provision to net charge-offs | 117.8571% | 2,123 |
| Earnings coverage of net charge-offs (x) | 5.7379% | 3,090 |
| Efficiency ratio | 80.3185% | 1,404 |
| Assets per employee ($millions) | 6.5342% | 1,084 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8323% | 950 |
| Loan loss allowance to noncurrent loans | 91.6388% | 3,796 |
| Noncurrent assets plus other real estate owned to assets | 1.1775% | 1,698 |
| Noncurrent loans to loans | 1.9995% | 984 |
| Net loans and leases to total assets | 52.8605% | 4,583 |
| Net loans and leases to deposits | 75.6939% | 3,434 |
| Net loans and leases to core deposits | 77.3990% | 3,714 |
| Total domestic deposits to total assets | 69.8346% | 5,707 |
| Equity capital to assets | 29.4083% | 65 |
| Core capital (leverage) ratio | 29.2278% | 64 |
| Tier 1 risk-based capital ratio | 54.1059% | 110 |
| Total risk-based capital ratio | 55.3627% | 111 |
| Memoranda: | ||
| Average total assets | $111,704,750 | 4,159 |
| Average earning assets | $104,699,750 | 4,127 |
| Average equity | $32,057,500 | 2,243 |
| Average total loans | $59,190,000 | 4,359 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3467% | 5,194 |
| Cost of funding earning assets | 0.3697% | 3,357 |
| Net interest margin | 2.9770% | 5,125 |
| Noninterest income to average assets | 0.1573% | 5,532 |
| Noninterest expense to average assets | 2.4180% | 4,278 |
| Loan and lease loss provision to assets | 0.0965% | 2,227 |
| Net operating income to assets | 0.3040% | 5,312 |
| Return on assets (ROA) | 0.2752% | 5,461 |
| Pretax return on assets | 0.3932% | 5,353 |
| Return on Equity (ROE) | 0.9669% | 5,691 |
| Retained earnings to average equity (ytd only) | 0.9669% | 5,002 |
| Net charge-offs to loans | 0.2848% | 837 |
| Credit loss provision to net charge-offs | 64.2857% | 2,527 |
| Earnings coverage of net charge-offs (x) | 3.5357% | 3,090 |
| Efficiency ratio | 82.0000% | 1,268 |
| Assets per employee ($millions) | 6.5628% | 1,058 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8006% | 1,077 |
| Loan loss allowance to noncurrent loans | 89.3707% | 3,920 |
| Noncurrent assets plus other real estate owned to assets | 1.1545% | 1,833 |
| Noncurrent loans to loans | 2.0147% | 988 |
| Net loans and leases to total assets | 51.3767% | 4,731 |
| Net loans and leases to deposits | 73.3987% | 3,668 |
| Net loans and leases to core deposits | 75.0340% | 3,906 |
| Total domestic deposits to total assets | 69.9968% | 5,782 |
| Equity capital to assets | 29.2440% | 62 |
| Core capital (leverage) ratio | 29.0716% | 61 |
| Tier 1 risk-based capital ratio | 53.1439% | 114 |
| Total risk-based capital ratio | 54.3995% | 114 |
| Memoranda: | ||
| Average total assets | $111,912,670 | 4,187 |
| Average earning assets | $104,938,000 | 4,149 |
| Average equity | $31,854,330 | 2,254 |
| Average total loans | $58,982,000 | 4,382 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4157% | 5,088 |
| Cost of funding earning assets | 0.3956% | 3,127 |
| Net interest margin | 3.0201% | 5,072 |
| Noninterest income to average assets | 0.1427% | 5,629 |
| Noninterest expense to average assets | 2.1091% | 5,101 |
| Loan and lease loss provision to assets | 0.1927% | 1,029 |
| Net operating income to assets | 0.4036% | 4,988 |
| Return on assets (ROA) | 0.4104% | 5,039 |
| Pretax return on assets | 0.6852% | 4,572 |
| Return on Equity (ROE) | 1.4618% | 5,625 |
| Retained earnings to average equity (ytd only) | 1.4618% | 4,684 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8633% | 2,973 |
| Assets per employee ($millions) | 6.5704% | 1,070 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9697% | 860 |
| Loan loss allowance to noncurrent loans | 84.6383% | 3,978 |
| Noncurrent assets plus other real estate owned to assets | 1.2462% | 1,746 |
| Noncurrent loans to loans | 2.3272% | 853 |
| Net loans and leases to total assets | 50.5725% | 4,752 |
| Net loans and leases to deposits | 71.8001% | 3,668 |
| Net loans and leases to core deposits | 73.7653% | 3,923 |
| Total domestic deposits to total assets | 70.4352% | 5,849 |
| Equity capital to assets | 28.3213% | 63 |
| Core capital (leverage) ratio | 28.7662% | 64 |
| Tier 1 risk-based capital ratio | 54.9371% | 110 |
| Total risk-based capital ratio | 56.1977% | 107 |
| Memoranda: | ||
| Average total assets | $112,085,000 | 4,221 |
| Average earning assets | $105,162,000 | 4,183 |
| Average equity | $31,468,000 | 2,276 |
| Average total loans | $59,287,500 | 4,395 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4455% | 5,056 |
| Cost of funding earning assets | 0.4345% | 2,794 |
| Net interest margin | 3.0109% | 5,115 |
| Noninterest income to average assets | 0.1335% | 5,744 |
| Noninterest expense to average assets | 2.0837% | 5,282 |
| Loan and lease loss provision to assets | 0.0791% | 2,699 |
| Net operating income to assets | 0.5654% | 4,441 |
| Return on assets (ROA) | 0.6035% | 4,350 |
| Pretax return on assets | 0.8547% | 4,004 |
| Return on Equity (ROE) | 2.1872% | 5,526 |
| Retained earnings to average equity (ytd only) | 2.1872% | 4,475 |
| Net charge-offs to loans | 0.1706% | 1,667 |
| Credit loss provision to net charge-offs | 84.1121% | 2,877 |
| Earnings coverage of net charge-offs (x) | 9.3645% | 2,828 |
| Efficiency ratio | 70.3023% | 3,176 |
| Assets per employee ($millions) | 7.0296% | 881 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7735% | 1,185 |
| Loan loss allowance to noncurrent loans | 69.1176% | 4,406 |
| Noncurrent assets plus other real estate owned to assets | 1.4359% | 1,446 |
| Noncurrent loans to loans | 2.5660% | 700 |
| Net loans and leases to total assets | 53.2314% | 4,569 |
| Net loans and leases to deposits | 74.9409% | 3,387 |
| Net loans and leases to core deposits | 77.0719% | 3,661 |
| Total domestic deposits to total assets | 71.0313% | 5,849 |
| Equity capital to assets | 27.8307% | 69 |
| Core capital (leverage) ratio | 28.4983% | 66 |
| Tier 1 risk-based capital ratio | 55.6981% | 103 |
| Total risk-based capital ratio | 56.9550% | 101 |
| Memoranda: | ||
| Average total assets | $113,837,400 | 4,180 |
| Average earning assets | $107,009,600 | 4,116 |
| Average equity | $31,409,400 | 2,227 |
| Average total loans | $62,721,000 | 4,301 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4540% | 5,090 |
| Cost of funding earning assets | 0.4519% | 2,661 |
| Net interest margin | 3.0021% | 5,185 |
| Noninterest income to average assets | 0.1284% | 5,833 |
| Noninterest expense to average assets | 2.0867% | 5,303 |
| Loan and lease loss provision to assets | 0.0420% | 3,371 |
| Net operating income to assets | 0.6128% | 4,314 |
| Return on assets (ROA) | 0.6189% | 4,398 |
| Pretax return on assets | 0.8314% | 4,238 |
| Return on Equity (ROE) | 2.2479% | 5,617 |
| Retained earnings to average equity (ytd only) | 2.2479% | 4,756 |
| Net charge-offs to loans | 0.2259% | 1,155 |
| Credit loss provision to net charge-offs | 33.6449% | 3,239 |
| Earnings coverage of net charge-offs (x) | 6.9254% | 2,976 |
| Efficiency ratio | 70.6883% | 3,098 |
| Assets per employee ($millions) | 7.0426% | 853 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6669% | 1,564 |
| Loan loss allowance to noncurrent loans | 89.4599% | 3,916 |
| Noncurrent assets plus other real estate owned to assets | 1.0641% | 2,236 |
| Noncurrent loans to loans | 1.8633% | 1,250 |
| Net loans and leases to total assets | 53.7668% | 4,586 |
| Net loans and leases to deposits | 76.2143% | 3,277 |
| Net loans and leases to core deposits | 78.3825% | 3,573 |
| Total domestic deposits to total assets | 70.5469% | 5,948 |
| Equity capital to assets | 27.9515% | 73 |
| Core capital (leverage) ratio | 28.5700% | 65 |
| Tier 1 risk-based capital ratio | 56.9468% | 102 |
| Total risk-based capital ratio | 58.2045% | 100 |
| Memoranda: | ||
| Average total assets | $114,178,500 | 4,215 |
| Average earning assets | $107,390,000 | 4,154 |
| Average equity | $31,436,250 | 2,245 |
| Average total loans | $63,163,250 | 4,331 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4501% | 5,106 |
| Cost of funding earning assets | 0.4556% | 2,653 |
| Net interest margin | 2.9945% | 5,235 |
| Noninterest income to average assets | 0.1186% | 5,951 |
| Noninterest expense to average assets | 2.1033% | 5,333 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.6697% | 4,038 |
| Return on assets (ROA) | 0.6697% | 4,141 |
| Pretax return on assets | 0.8354% | 4,184 |
| Return on Equity (ROE) | 2.4446% | 5,582 |
| Retained earnings to average equity (ytd only) | 2.4446% | 4,498 |
| Net charge-offs to loans | 0.1476% | 1,604 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 10.1915% | 2,384 |
| Efficiency ratio | 71.5727% | 3,061 |
| Assets per employee ($millions) | 7.0658% | 815 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6929% | 1,616 |
| Loan loss allowance to noncurrent loans | 95.1131% | 3,822 |
| Noncurrent assets plus other real estate owned to assets | 1.0261% | 2,453 |
| Noncurrent loans to loans | 1.7799% | 1,443 |
| Net loans and leases to total assets | 53.9853% | 4,559 |
| Net loans and leases to deposits | 76.3167% | 3,229 |
| Net loans and leases to core deposits | 78.6464% | 3,514 |
| Total domestic deposits to total assets | 70.7385% | 6,004 |
| Equity capital to assets | 27.7277% | 71 |
| Core capital (leverage) ratio | 28.1883% | 69 |
| Tier 1 risk-based capital ratio | 56.4903% | 111 |
| Total risk-based capital ratio | 57.7471% | 110 |
| Memoranda: | ||
| Average total assets | $114,677,670 | 4,239 |
| Average earning assets | $107,997,330 | 4,186 |
| Average equity | $31,416,330 | 2,252 |
| Average total loans | $63,680,330 | 4,348 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4021% | 5,197 |
| Cost of funding earning assets | 0.4734% | 2,521 |
| Net interest margin | 2.9286% | 5,387 |
| Noninterest income to average assets | 0.0693% | 6,178 |
| Noninterest expense to average assets | 2.1543% | 5,264 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.4503% | 4,872 |
| Return on assets (ROA) | 0.4503% | 4,986 |
| Pretax return on assets | 0.6788% | 4,661 |
| Return on Equity (ROE) | 1.6534% | 5,770 |
| Retained earnings to average equity (ytd only) | 1.6534% | 4,813 |
| Net charge-offs to loans | 0.0806% | 1,904 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 15.0769% | 1,642 |
| Efficiency ratio | 76.0391% | 2,506 |
| Assets per employee ($millions) | 6.4124% | 1,132 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7009% | 1,737 |
| Loan loss allowance to noncurrent loans | 78.4526% | 4,222 |
| Noncurrent assets plus other real estate owned to assets | 1.1982% | 2,239 |
| Noncurrent loans to loans | 2.1681% | 1,178 |
| Net loans and leases to total assets | 54.3249% | 4,408 |
| Net loans and leases to deposits | 75.8954% | 3,070 |
| Net loans and leases to core deposits | 78.1426% | 3,364 |
| Total domestic deposits to total assets | 71.5787% | 6,055 |
| Equity capital to assets | 27.3175% | 75 |
| Core capital (leverage) ratio | 27.4849% | 73 |
| Tier 1 risk-based capital ratio | 55.8152% | 118 |
| Total risk-based capital ratio | 57.0730% | 117 |
| Memoranda: | ||
| Average total assets | $115,490,000 | 4,261 |
| Average earning assets | $108,992,500 | 4,198 |
| Average equity | $31,451,000 | 2,259 |
| Average total loans | $64,479,000 | 4,349 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4824% | 5,354 |
| Cost of funding earning assets | 0.5748% | 2,003 |
| Net interest margin | 2.9077% | 5,630 |
| Noninterest income to average assets | 0.1247% | 6,070 |
| Noninterest expense to average assets | 2.1674% | 5,420 |
| Loan and lease loss provision to assets | 0.4380% | 382 |
| Net operating income to assets | 0.1663% | 5,837 |
| Return on assets (ROA) | 0.1668% | 5,886 |
| Pretax return on assets | 0.2771% | 5,743 |
| Return on Equity (ROE) | 0.6357% | 6,016 |
| Retained earnings to average equity (ytd only) | 0.6357% | 5,478 |
| Net charge-offs to loans | 0.1596% | 2,434 |
| Credit loss provision to net charge-offs | 477.0642% | 549 |
| Earnings coverage of net charge-offs (x) | 7.7798% | 2,978 |
| Efficiency ratio | 75.2119% | 2,635 |
| Assets per employee ($millions) | 6.4198% | 1,102 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6849% | 1,812 |
| Loan loss allowance to noncurrent loans | 241.3187% | 1,959 |
| Noncurrent assets plus other real estate owned to assets | 0.5054% | 4,118 |
| Noncurrent loans to loans | 0.6982% | 3,593 |
| Net loans and leases to total assets | 55.4458% | 4,398 |
| Net loans and leases to deposits | 77.2107% | 3,058 |
| Net loans and leases to core deposits | 80.5509% | 3,233 |
| Total domestic deposits to total assets | 71.8111% | 6,096 |
| Equity capital to assets | 27.1479% | 78 |
| Core capital (leverage) ratio | 27.7294% | 74 |
| Tier 1 risk-based capital ratio | 56.7233% | 105 |
| Total risk-based capital ratio | 57.9819% | 103 |
| Memoranda: | ||
| Average total assets | $118,711,600 | 4,207 |
| Average earning assets | $112,565,000 | 4,120 |
| Average equity | $31,146,400 | 2,212 |
| Average total loans | $68,290,600 | 4,228 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4919% | 5,412 |
| Cost of funding earning assets | 0.5871% | 1,951 |
| Net interest margin | 2.9049% | 5,690 |
| Noninterest income to average assets | 0.1227% | 6,150 |
| Noninterest expense to average assets | 2.2013% | 5,348 |
| Loan and lease loss provision to assets | 0.5132% | 293 |
| Net operating income to assets | 0.0881% | 6,047 |
| Return on assets (ROA) | 0.0881% | 6,069 |
| Pretax return on assets | 0.1629% | 5,997 |
| Return on Equity (ROE) | 0.3388% | 6,121 |
| Retained earnings to average equity (ytd only) | 0.3388% | 5,707 |
| Net charge-offs to loans | 0.1255% | 2,541 |
| Credit loss provision to net charge-offs | 707.6923% | 430 |
| Earnings coverage of net charge-offs (x) | 9.3236% | 2,687 |
| Efficiency ratio | 76.5025% | 2,416 |
| Assets per employee ($millions) | 6.9513% | 818 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6135% | 2,258 |
| Loan loss allowance to noncurrent loans | 186.2306% | 2,279 |
| Noncurrent assets plus other real estate owned to assets | 0.6685% | 3,833 |
| Noncurrent loans to loans | 0.8664% | 3,399 |
| Net loans and leases to total assets | 55.8322% | 4,353 |
| Net loans and leases to deposits | 76.8330% | 3,087 |
| Net loans and leases to core deposits | 80.2838% | 3,286 |
| Total domestic deposits to total assets | 72.6670% | 6,117 |
| Equity capital to assets | 26.4267% | 82 |
| Core capital (leverage) ratio | 27.0149% | 71 |
| Tier 1 risk-based capital ratio | 55.0623% | 111 |
| Total risk-based capital ratio | 56.3196% | 112 |
| Memoranda: | ||
| Average total assets | $119,500,500 | 4,229 |
| Average earning assets | $113,324,500 | 4,140 |
| Average equity | $31,090,250 | 2,225 |
| Average total loans | $69,071,000 | 4,241 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5089% | 5,395 |
| Cost of funding earning assets | 0.6083% | 1,830 |
| Net interest margin | 2.9006% | 5,732 |
| Noninterest income to average assets | 0.0900% | 6,315 |
| Noninterest expense to average assets | 2.2294% | 5,347 |
| Loan and lease loss provision to assets | 0.6670% | 203 |
| Net operating income to assets | -0.0267% | 6,205 |
| Return on assets (ROA) | -0.0267% | 6,224 |
| Pretax return on assets | -0.0550% | 6,228 |
| Return on Equity (ROE) | -0.1031% | 6,217 |
| Retained earnings to average equity (ytd only) | -0.1031% | 5,703 |
| Net charge-offs to loans | 0.1405% | 2,262 |
| Credit loss provision to net charge-offs | 816.3265% | 401 |
| Earnings coverage of net charge-offs (x) | 7.4898% | 2,618 |
| Efficiency ratio | 78.4624% | 2,231 |
| Assets per employee ($millions) | 7.1024% | 763 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5311% | 2,755 |
| Loan loss allowance to noncurrent loans | 260.8040% | 1,706 |
| Noncurrent assets plus other real estate owned to assets | 0.6063% | 4,151 |
| Noncurrent loans to loans | 0.5871% | 4,264 |
| Net loans and leases to total assets | 55.2907% | 4,375 |
| Net loans and leases to deposits | 75.4115% | 3,139 |
| Net loans and leases to core deposits | 79.0447% | 3,317 |
| Total domestic deposits to total assets | 73.3187% | 6,165 |
| Equity capital to assets | 25.8183% | 83 |
| Core capital (leverage) ratio | 26.3616% | 77 |
| Tier 1 risk-based capital ratio | 54.3435% | 109 |
| Total risk-based capital ratio | 55.6001% | 109 |
| Memoranda: | ||
| Average total assets | $119,943,330 | 4,240 |
| Average earning assets | $113,768,000 | 4,151 |
| Average equity | $31,044,000 | 2,212 |
| Average total loans | $69,741,330 | 4,248 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5508% | 5,292 |
| Cost of funding earning assets | 0.6171% | 1,838 |
| Net interest margin | 2.9337% | 5,684 |
| Noninterest income to average assets | 0.1205% | 6,246 |
| Noninterest expense to average assets | 2.2954% | 5,205 |
| Loan and lease loss provision to assets | 1.3384% | 76 |
| Net operating income to assets | -0.6190% | 6,506 |
| Return on assets (ROA) | -0.6190% | 6,505 |
| Pretax return on assets | -0.7294% | 6,514 |
| Return on Equity (ROE) | -2.3887% | 6,372 |
| Retained earnings to average equity (ytd only) | -2.3887% | 5,899 |
| Net charge-offs to loans | 0.0679% | 2,472 |
| Credit loss provision to net charge-offs | 3,333.3333% | 110 |
| Earnings coverage of net charge-offs (x) | 15.1667% | 1,561 |
| Efficiency ratio | 79.0323% | 2,334 |
| Assets per employee ($millions) | 6.7100% | 918 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5477% | 2,939 |
| Loan loss allowance to noncurrent loans | 154.6763% | 2,594 |
| Noncurrent assets plus other real estate owned to assets | 0.7584% | 3,846 |
| Noncurrent loans to loans | 1.0006% | 3,419 |
| Net loans and leases to total assets | 56.6170% | 4,064 |
| Net loans and leases to deposits | 76.9201% | 2,696 |
| Net loans and leases to core deposits | 80.5945% | 2,899 |
| Total domestic deposits to total assets | 73.6049% | 6,273 |
| Equity capital to assets | 25.5887% | 92 |
| Core capital (leverage) ratio | 26.2129% | 82 |
| Tier 1 risk-based capital ratio | 53.4553% | 116 |
| Total risk-based capital ratio | 54.7132% | 115 |
| Memoranda: | ||
| Average total assets | $119,545,000 | 4,289 |
| Average earning assets | $113,439,000 | 4,191 |
| Average equity | $30,979,500 | 2,212 |
| Average total loans | $70,714,000 | 4,243 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7000% | 5,138 |
| Cost of funding earning assets | 0.6799% | 1,961 |
| Net interest margin | 3.0202% | 5,530 |
| Noninterest income to average assets | 0.1206% | 6,318 |
| Noninterest expense to average assets | 1.9908% | 6,047 |
| Loan and lease loss provision to assets | 0.5383% | 499 |
| Net operating income to assets | 0.1120% | 6,017 |
| Return on assets (ROA) | 0.1173% | 6,068 |
| Pretax return on assets | 0.4750% | 5,277 |
| Return on Equity (ROE) | 0.4499% | 6,175 |
| Retained earnings to average equity (ytd only) | 0.4499% | 5,644 |
| Net charge-offs to loans | 0.3706% | 1,824 |
| Credit loss provision to net charge-offs | 238.7454% | 962 |
| Earnings coverage of net charge-offs (x) | 4.4576% | 3,562 |
| Efficiency ratio | 66.4538% | 4,478 |
| Assets per employee ($millions) | 6.5728% | 954 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9546% | 5,741 |
| Loan loss allowance to noncurrent loans | 115.4622% | 3,244 |
| Noncurrent assets plus other real estate owned to assets | 0.6584% | 4,272 |
| Noncurrent loans to loans | 0.8267% | 3,913 |
| Net loans and leases to total assets | 60.2519% | 3,669 |
| Net loans and leases to deposits | 82.6596% | 2,110 |
| Net loans and leases to core deposits | 87.0070% | 2,348 |
| Total domestic deposits to total assets | 72.8916% | 6,365 |
| Equity capital to assets | 26.2471% | 80 |
| Core capital (leverage) ratio | 26.9166% | 73 |
| Tier 1 risk-based capital ratio | 52.7882% | 114 |
| Total risk-based capital ratio | 53.9270% | 114 |
| Memoranda: | ||
| Average total assets | $120,200,800 | 4,273 |
| Average earning assets | $114,431,000 | 4,173 |
| Average equity | $31,343,200 | 2,165 |
| Average total loans | $73,126,400 | 4,162 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7320% | 5,081 |
| Cost of funding earning assets | 0.7051% | 1,916 |
| Net interest margin | 3.0269% | 5,527 |
| Noninterest income to average assets | 0.0829% | 6,535 |
| Noninterest expense to average assets | 1.8661% | 6,232 |
| Loan and lease loss provision to assets | 0.6287% | 371 |
| Net operating income to assets | 0.1134% | 6,113 |
| Return on assets (ROA) | 0.1204% | 6,165 |
| Pretax return on assets | 0.4828% | 5,406 |
| Return on Equity (ROE) | 0.4626% | 6,277 |
| Retained earnings to average equity (ytd only) | 0.4626% | 5,783 |
| Net charge-offs to loans | 0.1562% | 2,987 |
| Credit loss provision to net charge-offs | 661.6279% | 438 |
| Earnings coverage of net charge-offs (x) | 11.5818% | 2,223 |
| Efficiency ratio | 62.9050% | 4,999 |
| Assets per employee ($millions) | 7.5021% | 584 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1176% | 5,262 |
| Loan loss allowance to noncurrent loans | 152.9865% | 2,501 |
| Noncurrent assets plus other real estate owned to assets | 0.5723% | 4,732 |
| Noncurrent loans to loans | 0.7305% | 4,393 |
| Net loans and leases to total assets | 58.5281% | 3,917 |
| Net loans and leases to deposits | 79.9329% | 2,419 |
| Net loans and leases to core deposits | 84.2928% | 2,621 |
| Total domestic deposits to total assets | 73.2215% | 6,422 |
| Equity capital to assets | 25.8829% | 82 |
| Core capital (leverage) ratio | 26.5044% | 75 |
| Tier 1 risk-based capital ratio | 55.9446% | 106 |
| Total risk-based capital ratio | 57.1878% | 105 |
| Memoranda: | ||
| Average total assets | $120,673,500 | 4,311 |
| Average earning assets | $114,966,000 | 4,204 |
| Average equity | $31,415,750 | 2,181 |
| Average total loans | $73,415,250 | 4,184 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8034% | 4,817 |
| Cost of funding earning assets | 0.7225% | 1,905 |
| Net interest margin | 3.0809% | 5,328 |
| Noninterest income to average assets | 0.1059% | 6,511 |
| Noninterest expense to average assets | 1.8199% | 6,344 |
| Loan and lease loss provision to assets | 0.9414% | 205 |
| Net operating income to assets | -0.1181% | 6,421 |
| Return on assets (ROA) | -0.1075% | 6,456 |
| Pretax return on assets | 0.2961% | 5,887 |
| Return on Equity (ROE) | -0.4123% | 6,405 |
| Retained earnings to average equity (ytd only) | -0.4123% | 5,936 |
| Net charge-offs to loans | 0.0189% | 4,467 |
| Credit loss provision to net charge-offs | 8,128.5714% | 35 |
| Earnings coverage of net charge-offs (x) | 105.4286% | 447 |
| Efficiency ratio | 59.8477% | 5,505 |
| Assets per employee ($millions) | 7.5967% | 537 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2079% | 4,947 |
| Loan loss allowance to noncurrent loans | 104.8019% | 3,343 |
| Noncurrent assets plus other real estate owned to assets | 0.7388% | 4,366 |
| Noncurrent loans to loans | 1.1525% | 3,626 |
| Net loans and leases to total assets | 58.7460% | 3,864 |
| Net loans and leases to deposits | 79.7810% | 2,352 |
| Net loans and leases to core deposits | 83.3506% | 2,649 |
| Total domestic deposits to total assets | 73.6341% | 6,464 |
| Equity capital to assets | 25.4107% | 86 |
| Core capital (leverage) ratio | 26.0303% | 78 |
| Tier 1 risk-based capital ratio | 54.9670% | 109 |
| Total risk-based capital ratio | 56.2370% | 107 |
| Memoranda: | ||
| Average total assets | $120,887,000 | 4,328 |
| Average earning assets | $115,160,000 | 4,231 |
| Average equity | $31,531,670 | 2,185 |
| Average total loans | $74,204,670 | 4,166 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8473% | 4,658 |
| Cost of funding earning assets | 0.7632% | 1,764 |
| Net interest margin | 3.0841% | 5,322 |
| Noninterest income to average assets | 0.1161% | 6,515 |
| Noninterest expense to average assets | 1.9111% | 6,260 |
| Loan and lease loss provision to assets | 0.1194% | 2,734 |
| Net operating income to assets | 0.6608% | 3,899 |
| Return on assets (ROA) | 0.6802% | 3,935 |
| Pretax return on assets | 1.0518% | 3,139 |
| Return on Equity (ROE) | 2.5742% | 5,751 |
| Retained earnings to average equity (ytd only) | 2.5742% | 4,735 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6087% | 5,215 |
| Assets per employee ($millions) | 7.6473% | 579 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4678% | 6,815 |
| Loan loss allowance to noncurrent loans | 42.9988% | 5,479 |
| Noncurrent assets plus other real estate owned to assets | 0.7127% | 4,595 |
| Noncurrent loans to loans | 1.0880% | 3,974 |
| Net loans and leases to total assets | 60.3357% | 3,370 |
| Net loans and leases to deposits | 82.2599% | 1,788 |
| Net loans and leases to core deposits | 86.0532% | 2,099 |
| Total domestic deposits to total assets | 73.3477% | 6,575 |
| Equity capital to assets | 26.1039% | 82 |
| Core capital (leverage) ratio | 26.0786% | 77 |
| Tier 1 risk-based capital ratio | 55.0982% | 110 |
| Total risk-based capital ratio | 55.6973% | 112 |
| Memoranda: | ||
| Average total assets | $120,557,000 | 4,387 |
| Average earning assets | $114,781,500 | 4,268 |
| Average equity | $31,854,500 | 2,193 |
| Average total loans | $75,168,500 | 4,159 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1310% | 4,838 |
| Cost of funding earning assets | 0.8519% | 2,276 |
| Net interest margin | 3.2792% | 5,325 |
| Noninterest income to average assets | 0.0977% | 6,518 |
| Noninterest expense to average assets | 1.9750% | 6,378 |
| Loan and lease loss provision to assets | 0.1786% | 3,394 |
| Net operating income to assets | 0.6972% | 3,751 |
| Return on assets (ROA) | 0.7128% | 3,939 |
| Pretax return on assets | 1.1114% | 3,119 |
| Return on Equity (ROE) | 2.6928% | 5,676 |
| Retained earnings to average equity (ytd only) | 2.6928% | 4,340 |
| Net charge-offs to loans | 0.2383% | 3,508 |
| Credit loss provision to net charge-offs | 115.8470% | 2,493 |
| Earnings coverage of net charge-offs (x) | 8.2077% | 2,452 |
| Efficiency ratio | 60.9464% | 5,397 |
| Assets per employee ($millions) | 7.4223% | 650 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4083% | 6,892 |
| Loan loss allowance to noncurrent loans | 53.4364% | 4,958 |
| Noncurrent assets plus other real estate owned to assets | 0.5448% | 5,116 |
| Noncurrent loans to loans | 0.7641% | 4,656 |
| Net loans and leases to total assets | 63.8733% | 2,913 |
| Net loans and leases to deposits | 87.9395% | 1,285 |
| Net loans and leases to core deposits | 92.4756% | 1,595 |
| Total domestic deposits to total assets | 72.6332% | 6,650 |
| Equity capital to assets | 26.7513% | 80 |
| Core capital (leverage) ratio | 26.6974% | 77 |
| Tier 1 risk-based capital ratio | 54.9823% | 118 |
| Total risk-based capital ratio | 55.5216% | 119 |
| Memoranda: | ||
| Average total assets | $118,682,800 | 4,388 |
| Average earning assets | $113,748,600 | 4,256 |
| Average equity | $31,416,600 | 2,174 |
| Average total loans | $76,805,800 | 4,127 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1260% | 5,089 |
| Cost of funding earning assets | 0.8788% | 2,323 |
| Net interest margin | 3.2472% | 5,555 |
| Noninterest income to average assets | 0.0663% | 6,749 |
| Noninterest expense to average assets | 1.9225% | 6,484 |
| Loan and lease loss provision to assets | 0.1809% | 3,327 |
| Net operating income to assets | 0.6966% | 3,931 |
| Return on assets (ROA) | 0.7146% | 4,094 |
| Pretax return on assets | 1.1090% | 3,320 |
| Return on Equity (ROE) | 2.7067% | 5,793 |
| Retained earnings to average equity (ytd only) | 2.7067% | 4,930 |
| Net charge-offs to loans | 0.3170% | 2,858 |
| Credit loss provision to net charge-offs | 87.9781% | 3,359 |
| Earnings coverage of net charge-offs (x) | 6.1367% | 2,844 |
| Efficiency ratio | 60.3740% | 5,433 |
| Assets per employee ($millions) | 6.2501% | 1,095 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3362% | 7,045 |
| Loan loss allowance to noncurrent loans | 43.6975% | 5,471 |
| Noncurrent assets plus other real estate owned to assets | 0.6223% | 5,113 |
| Noncurrent loans to loans | 0.7693% | 4,873 |
| Net loans and leases to total assets | 64.9134% | 2,860 |
| Net loans and leases to deposits | 89.3274% | 1,224 |
| Net loans and leases to core deposits | 94.3456% | 1,550 |
| Total domestic deposits to total assets | 72.6691% | 6,701 |
| Equity capital to assets | 26.6076% | 89 |
| Core capital (leverage) ratio | 26.5217% | 80 |
| Tier 1 risk-based capital ratio | 55.3058% | 114 |
| Total risk-based capital ratio | 55.7624% | 116 |
| Memoranda: | ||
| Average total assets | $118,664,250 | 4,427 |
| Average earning assets | $113,940,250 | 4,289 |
| Average equity | $31,328,500 | 2,197 |
| Average total loans | $76,966,000 | 4,161 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2182% | 4,889 |
| Cost of funding earning assets | 0.8926% | 2,457 |
| Net interest margin | 3.3255% | 5,370 |
| Noninterest income to average assets | 0.0944% | 6,697 |
| Noninterest expense to average assets | 1.9151% | 6,570 |
| Loan and lease loss provision to assets | 0.2040% | 3,029 |
| Net operating income to assets | 0.7654% | 3,533 |
| Return on assets (ROA) | 0.7654% | 3,800 |
| Pretax return on assets | 1.1784% | 3,022 |
| Return on Equity (ROE) | 2.9066% | 5,728 |
| Retained earnings to average equity (ytd only) | 2.9066% | 4,700 |
| Net charge-offs to loans | 0.3358% | 2,675 |
| Credit loss provision to net charge-offs | 93.7984% | 2,934 |
| Earnings coverage of net charge-offs (x) | 6.3566% | 2,652 |
| Efficiency ratio | 58.0777% | 5,860 |
| Assets per employee ($millions) | 6.6360% | 888 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3549% | 7,096 |
| Loan loss allowance to noncurrent loans | 740.5405% | 528 |
| Noncurrent assets plus other real estate owned to assets | 0.1072% | 6,526 |
| Noncurrent loans to loans | 0.0479% | 6,559 |
| Net loans and leases to total assets | 64.4071% | 2,951 |
| Net loans and leases to deposits | 88.3536% | 1,337 |
| Net loans and leases to core deposits | 93.0761% | 1,677 |
| Total domestic deposits to total assets | 72.8970% | 6,753 |
| Equity capital to assets | 26.3169% | 88 |
| Core capital (leverage) ratio | 26.2156% | 83 |
| Tier 1 risk-based capital ratio | 57.1288% | 103 |
| Total risk-based capital ratio | 57.6287% | 105 |
| Memoranda: | ||
| Average total assets | $118,635,000 | 4,452 |
| Average earning assets | $114,268,000 | 4,305 |
| Average equity | $31,239,000 | 2,188 |
| Average total loans | $76,839,330 | 4,191 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2244% | 5,016 |
| Cost of funding earning assets | 0.9209% | 2,511 |
| Net interest margin | 3.3035% | 5,463 |
| Noninterest income to average assets | 0.0609% | 6,894 |
| Noninterest expense to average assets | 1.9251% | 6,599 |
| Loan and lease loss provision to assets | 0.1793% | 3,177 |
| Net operating income to assets | 0.7782% | 3,487 |
| Return on assets (ROA) | 0.7782% | 3,727 |
| Pretax return on assets | 1.1605% | 3,066 |
| Return on Equity (ROE) | 2.9543% | 5,731 |
| Retained earnings to average equity (ytd only) | 2.9543% | 4,775 |
| Net charge-offs to loans | 0.4957% | 1,853 |
| Credit loss provision to net charge-offs | 55.7895% | 3,185 |
| Earnings coverage of net charge-offs (x) | 4.1684% | 2,648 |
| Efficiency ratio | 58.9637% | 5,776 |
| Assets per employee ($millions) | 6.6957% | 881 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3133% | 7,170 |
| Loan loss allowance to noncurrent loans | 51.3919% | 4,989 |
| Noncurrent assets plus other real estate owned to assets | 0.4265% | 5,797 |
| Noncurrent loans to loans | 0.6096% | 5,444 |
| Net loans and leases to total assets | 63.3677% | 2,973 |
| Net loans and leases to deposits | 86.3507% | 1,378 |
| Net loans and leases to core deposits | 87.9294% | 2,062 |
| Total domestic deposits to total assets | 73.3841% | 6,794 |
| Equity capital to assets | 25.9156% | 86 |
| Core capital (leverage) ratio | 25.7953% | 86 |
| Tier 1 risk-based capital ratio | 57.8077% | 101 |
| Total risk-based capital ratio | 58.2540% | 103 |
| Memoranda: | ||
| Average total assets | $118,228,500 | 4,491 |
| Average earning assets | $114,667,500 | 4,318 |
| Average equity | $31,141,000 | 2,195 |
| Average total loans | $76,655,500 | 4,226 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4642% | 5,204 |
| Cost of funding earning assets | 1.1459% | 2,371 |
| Net interest margin | 3.3183% | 5,756 |
| Noninterest income to average assets | 0.0813% | 6,712 |
| Noninterest expense to average assets | 1.9552% | 6,755 |
| Loan and lease loss provision to assets | 0.1618% | 4,610 |
| Net operating income to assets | 0.8779% | 2,705 |
| Return on assets (ROA) | 0.8779% | 2,837 |
| Pretax return on assets | 1.1752% | 2,551 |
| Return on Equity (ROE) | 3.2813% | 5,165 |
| Retained earnings to average equity (ytd only) | 3.2813% | 3,889 |
| Net charge-offs to loans | 0.0568% | 5,741 |
| Credit loss provision to net charge-offs | 420.4545% | 548 |
| Earnings coverage of net charge-offs (x) | 34.7500% | 749 |
| Efficiency ratio | 59.3891% | 5,846 |
| Assets per employee ($millions) | 7.7290% | 520 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3677% | 7,185 |
| Loan loss allowance to noncurrent loans | 41.6544% | 5,504 |
| Noncurrent assets plus other real estate owned to assets | 0.6340% | 5,388 |
| Noncurrent loans to loans | 0.8827% | 4,926 |
| Net loans and leases to total assets | 65.9137% | 2,802 |
| Net loans and leases to deposits | 90.9921% | 1,054 |
| Net loans and leases to core deposits | 95.3984% | 1,551 |
| Total domestic deposits to total assets | 72.4389% | 6,851 |
| Equity capital to assets | 26.7805% | 87 |
| Core capital (leverage) ratio | 26.6833% | 86 |
| Tier 1 risk-based capital ratio | 51.3060% | 125 |
| Total risk-based capital ratio | 51.7748% | 130 |
| Memoranda: | ||
| Average total assets | $114,359,200 | 4,541 |
| Average earning assets | $110,658,400 | 4,378 |
| Average equity | $30,597,800 | 2,151 |
| Average total loans | $77,502,600 | 4,229 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4777% | 5,320 |
| Cost of funding earning assets | 1.1805% | 2,446 |
| Net interest margin | 3.2972% | 5,867 |
| Noninterest income to average assets | 0.1123% | 6,696 |
| Noninterest expense to average assets | 1.9280% | 6,820 |
| Loan and lease loss provision to assets | 0.1626% | 4,431 |
| Net operating income to assets | 0.9289% | 2,627 |
| Return on assets (ROA) | 0.9289% | 2,778 |
| Pretax return on assets | 1.2109% | 2,595 |
| Return on Equity (ROE) | 3.4726% | 5,236 |
| Retained earnings to average equity (ytd only) | 3.4726% | 4,268 |
| Net charge-offs to loans | 0.0755% | 5,209 |
| Credit loss provision to net charge-offs | 315.9091% | 892 |
| Earnings coverage of net charge-offs (x) | 26.6796% | 1,011 |
| Efficiency ratio | 58.3983% | 5,953 |
| Assets per employee ($millions) | 7.7013% | 533 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3387% | 7,268 |
| Loan loss allowance to noncurrent loans | 63.6364% | 4,278 |
| Noncurrent assets plus other real estate owned to assets | 0.4649% | 5,927 |
| Noncurrent loans to loans | 0.5322% | 5,792 |
| Net loans and leases to total assets | 65.9773% | 2,907 |
| Net loans and leases to deposits | 91.0499% | 1,102 |
| Net loans and leases to core deposits | 95.2486% | 1,675 |
| Total domestic deposits to total assets | 72.4628% | 6,899 |
| Equity capital to assets | 26.7278% | 97 |
| Core capital (leverage) ratio | 26.6106% | 94 |
| Tier 1 risk-based capital ratio | 51.6463% | 142 |
| Total risk-based capital ratio | 52.0828% | 143 |
| Memoranda: | ||
| Average total assets | $113,965,250 | 4,578 |
| Average earning assets | $110,233,500 | 4,417 |
| Average equity | $30,485,250 | 2,168 |
| Average total loans | $77,703,500 | 4,258 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4850% | 5,400 |
| Cost of funding earning assets | 1.2179% | 2,456 |
| Net interest margin | 3.2671% | 5,945 |
| Noninterest income to average assets | 0.0970% | 6,840 |
| Noninterest expense to average assets | 1.9304% | 6,906 |
| Loan and lease loss provision to assets | 0.1551% | 4,374 |
| Net operating income to assets | 0.9502% | 2,436 |
| Return on assets (ROA) | 0.9502% | 2,529 |
| Pretax return on assets | 1.1706% | 2,595 |
| Return on Equity (ROE) | 3.5513% | 5,136 |
| Retained earnings to average equity (ytd only) | 3.5513% | 3,978 |
| Net charge-offs to loans | 0.1050% | 4,635 |
| Credit loss provision to net charge-offs | 214.6341% | 1,390 |
| Earnings coverage of net charge-offs (x) | 18.3415% | 1,265 |
| Efficiency ratio | 59.2853% | 5,983 |
| Assets per employee ($millions) | 7.6969% | 514 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3020% | 7,346 |
| Loan loss allowance to noncurrent loans | 49.1597% | 5,065 |
| Noncurrent assets plus other real estate owned to assets | 0.5950% | 5,733 |
| Noncurrent loans to loans | 0.6144% | 5,695 |
| Net loans and leases to total assets | 66.8985% | 2,839 |
| Net loans and leases to deposits | 92.1353% | 1,046 |
| Net loans and leases to core deposits | 96.3932% | 1,637 |
| Total domestic deposits to total assets | 72.6090% | 6,966 |
| Equity capital to assets | 26.5465% | 111 |
| Core capital (leverage) ratio | 26.4139% | 103 |
| Tier 1 risk-based capital ratio | 50.5631% | 145 |
| Total risk-based capital ratio | 50.9524% | 148 |
| Memoranda: | ||
| Average total assets | $113,447,000 | 4,623 |
| Average earning assets | $109,698,330 | 4,455 |
| Average equity | $30,355,000 | 2,163 |
| Average total loans | $78,112,670 | 4,283 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5236% | 5,258 |
| Cost of funding earning assets | 1.2468% | 2,527 |
| Net interest margin | 3.2769% | 5,855 |
| Noninterest income to average assets | 0.1245% | 6,794 |
| Noninterest expense to average assets | 1.9245% | 6,947 |
| Loan and lease loss provision to assets | 0.1423% | 4,230 |
| Net operating income to assets | 0.8004% | 3,033 |
| Return on assets (ROA) | 0.8004% | 3,099 |
| Pretax return on assets | 1.2273% | 2,281 |
| Return on Equity (ROE) | 2.9793% | 5,385 |
| Retained earnings to average equity (ytd only) | 2.9793% | 4,381 |
| Net charge-offs to loans | 0.1173% | 3,830 |
| Credit loss provision to net charge-offs | 173.9130% | 1,674 |
| Earnings coverage of net charge-offs (x) | 16.7391% | 1,253 |
| Efficiency ratio | 58.4233% | 6,215 |
| Assets per employee ($millions) | 7.7096% | 535 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3950% | 7,351 |
| Loan loss allowance to noncurrent loans | 71.4286% | 3,854 |
| Noncurrent assets plus other real estate owned to assets | 0.5214% | 5,938 |
| Noncurrent loans to loans | 0.5530% | 5,916 |
| Net loans and leases to total assets | 66.5067% | 2,881 |
| Net loans and leases to deposits | 91.1549% | 1,098 |
| Net loans and leases to core deposits | 95.2954% | 1,739 |
| Total domestic deposits to total assets | 72.9601% | 7,004 |
| Equity capital to assets | 26.1942% | 103 |
| Core capital (leverage) ratio | 26.0833% | 101 |
| Tier 1 risk-based capital ratio | 50.3726% | 143 |
| Total risk-based capital ratio | 50.8834% | 145 |
| Memoranda: | ||
| Average total assets | $112,443,500 | 4,676 |
| Average earning assets | $108,762,500 | 4,504 |
| Average equity | $30,208,000 | 2,166 |
| Average total loans | $78,433,500 | 4,312 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0955% | 4,114 |
| Cost of funding earning assets | 1.4145% | 3,170 |
| Net interest margin | 3.6810% | 4,440 |
| Noninterest income to average assets | 0.1418% | 6,680 |
| Noninterest expense to average assets | 2.0035% | 7,017 |
| Loan and lease loss provision to assets | 0.1297% | 5,870 |
| Net operating income to assets | 1.0470% | 1,888 |
| Return on assets (ROA) | 1.0470% | 1,983 |
| Pretax return on assets | 1.5565% | 1,223 |
| Return on Equity (ROE) | 3.7904% | 4,614 |
| Retained earnings to average equity (ytd only) | 3.7904% | 3,209 |
| Net charge-offs to loans | 0.2296% | 4,906 |
| Credit loss provision to net charge-offs | 77.2222% | 5,659 |
| Earnings coverage of net charge-offs (x) | 10.0389% | 1,759 |
| Efficiency ratio | 54.2994% | 6,777 |
| Assets per employee ($millions) | 7.2829% | 651 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3616% | 7,449 |
| Loan loss allowance to noncurrent loans | 43.6364% | 5,404 |
| Noncurrent assets plus other real estate owned to assets | 0.7653% | 5,484 |
| Noncurrent loans to loans | 0.8286% | 5,396 |
| Net loans and leases to total assets | 72.6481% | 1,958 |
| Net loans and leases to deposits | 101.6185% | 499 |
| Net loans and leases to core deposits | 106.5833% | 1,149 |
| Total domestic deposits to total assets | 71.4911% | 7,131 |
| Equity capital to assets | 27.5752% | 93 |
| Core capital (leverage) ratio | 27.4317% | 98 |
| Tier 1 risk-based capital ratio | 49.8007% | 147 |
| Total risk-based capital ratio | 50.2811% | 152 |
| Memoranda: | ||
| Average total assets | $107,163,200 | 4,799 |
| Average earning assets | $103,287,200 | 4,628 |
| Average equity | $29,601,000 | 2,200 |
| Average total loans | $78,382,000 | 4,380 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1775% | 3,950 |
| Cost of funding earning assets | 1.4350% | 3,367 |
| Net interest margin | 3.7426% | 4,218 |
| Noninterest income to average assets | 0.1500% | 6,792 |
| Noninterest expense to average assets | 2.0041% | 7,041 |
| Loan and lease loss provision to assets | 0.1275% | 5,748 |
| Net operating income to assets | 1.0965% | 1,898 |
| Return on assets (ROA) | 1.0965% | 2,007 |
| Pretax return on assets | 1.6216% | 1,291 |
| Return on Equity (ROE) | 3.9677% | 4,797 |
| Retained earnings to average equity (ytd only) | 3.9677% | 3,686 |
| Net charge-offs to loans | 0.2955% | 4,183 |
| Credit loss provision to net charge-offs | 58.9595% | 5,721 |
| Earnings coverage of net charge-offs (x) | 8.0868% | 2,214 |
| Efficiency ratio | 53.3977% | 6,846 |
| Assets per employee ($millions) | 6.7436% | 863 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4279% | 7,507 |
| Loan loss allowance to noncurrent loans | 67.1315% | 3,958 |
| Noncurrent assets plus other real estate owned to assets | 0.5830% | 5,981 |
| Noncurrent loans to loans | 0.6374% | 5,935 |
| Net loans and leases to total assets | 72.6786% | 2,083 |
| Net loans and leases to deposits | 102.2599% | 522 |
| Net loans and leases to core deposits | 107.3102% | 1,209 |
| Total domestic deposits to total assets | 71.0724% | 7,210 |
| Equity capital to assets | 27.7867% | 102 |
| Core capital (leverage) ratio | 27.5868% | 98 |
| Tier 1 risk-based capital ratio | 50.2725% | 152 |
| Total risk-based capital ratio | 50.8447% | 155 |
| Memoranda: | ||
| Average total assets | $106,643,250 | 4,868 |
| Average earning assets | $102,671,750 | 4,704 |
| Average equity | $29,470,250 | 2,239 |
| Average total loans | $78,064,750 | 4,468 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2436% | 3,745 |
| Cost of funding earning assets | 1.4635% | 3,470 |
| Net interest margin | 3.7801% | 3,991 |
| Noninterest income to average assets | 0.1506% | 6,809 |
| Noninterest expense to average assets | 2.0334% | 7,043 |
| Loan and lease loss provision to assets | 0.1186% | 5,710 |
| Net operating income to assets | 1.1146% | 1,804 |
| Return on assets (ROA) | 1.1146% | 1,874 |
| Pretax return on assets | 1.6361% | 1,197 |
| Return on Equity (ROE) | 4.0410% | 4,757 |
| Retained earnings to average equity (ytd only) | 4.0410% | 3,510 |
| Net charge-offs to loans | 0.1567% | 4,692 |
| Credit loss provision to net charge-offs | 103.2787% | 3,947 |
| Earnings coverage of net charge-offs (x) | 15.2787% | 1,461 |
| Efficiency ratio | 53.6779% | 6,915 |
| Assets per employee ($millions) | 6.2991% | 1,051 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6175% | 7,385 |
| Loan loss allowance to noncurrent loans | 129.6296% | 2,151 |
| Noncurrent assets plus other real estate owned to assets | 0.7461% | 5,629 |
| Noncurrent loans to loans | 0.4764% | 6,299 |
| Net loans and leases to total assets | 73.6431% | 1,992 |
| Net loans and leases to deposits | 103.4189% | 516 |
| Net loans and leases to core deposits | 108.1934% | 1,287 |
| Total domestic deposits to total assets | 71.2086% | 7,246 |
| Equity capital to assets | 27.7250% | 103 |
| Core capital (leverage) ratio | 27.5269% | 99 |
| Tier 1 risk-based capital ratio | 50.0077% | 156 |
| Total risk-based capital ratio | 50.8433% | 157 |
| Memoranda: | ||
| Average total assets | $106,225,330 | 4,907 |
| Average earning assets | $102,220,670 | 4,742 |
| Average equity | $29,300,000 | 2,239 |
| Average total loans | $77,834,670 | 4,511 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2317% | 3,872 |
| Cost of funding earning assets | 1.4936% | 3,605 |
| Net interest margin | 3.7380% | 4,059 |
| Noninterest income to average assets | 0.1437% | 6,948 |
| Noninterest expense to average assets | 2.0908% | 6,968 |
| Loan and lease loss provision to assets | 0.1399% | 5,150 |
| Net operating income to assets | 1.0208% | 2,108 |
| Return on assets (ROA) | 1.0208% | 2,169 |
| Pretax return on assets | 1.5086% | 1,491 |
| Return on Equity (ROE) | 3.7106% | 5,025 |
| Retained earnings to average equity (ytd only) | 3.7106% | 3,928 |
| Net charge-offs to loans | 0.0415% | 5,001 |
| Credit loss provision to net charge-offs | 462.5000% | 907 |
| Earnings coverage of net charge-offs (x) | 54.5000% | 532 |
| Efficiency ratio | 55.9151% | 6,779 |
| Assets per employee ($millions) | 6.2500% | 1,111 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6740% | 7,390 |
| Loan loss allowance to noncurrent loans | 109.5339% | 2,528 |
| Noncurrent assets plus other real estate owned to assets | 0.8640% | 5,430 |
| Noncurrent loans to loans | 0.6153% | 6,082 |
| Net loans and leases to total assets | 71.7082% | 2,520 |
| Net loans and leases to deposits | 100.3332% | 731 |
| Net loans and leases to core deposits | 104.0947% | 1,730 |
| Total domestic deposits to total assets | 71.4701% | 7,315 |
| Equity capital to assets | 27.5266% | 111 |
| Core capital (leverage) ratio | 27.3923% | 100 |
| Tier 1 risk-based capital ratio | 50.6355% | 151 |
| Total risk-based capital ratio | 51.5381% | 153 |
| Memoranda: | ||
| Average total assets | $105,796,000 | 4,985 |
| Average earning assets | $101,765,000 | 4,823 |
| Average equity | $29,105,500 | 2,280 |
| Average total loans | $77,077,000 | 4,604 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5495% | 3,879 |
| Cost of funding earning assets | 1.8889% | 3,521 |
| Net interest margin | 3.6606% | 4,306 |
| Noninterest income to average assets | 0.1755% | 6,826 |
| Noninterest expense to average assets | 2.0071% | 7,360 |
| Loan and lease loss provision to assets | 0.0576% | 6,988 |
| Net operating income to assets | 1.1833% | 1,295 |
| Return on assets (ROA) | 1.1833% | 1,336 |
| Pretax return on assets | 1.6494% | 869 |
| Return on Equity (ROE) | 4.4159% | 3,919 |
| Retained earnings to average equity (ytd only) | 4.4159% | 2,155 |
| Net charge-offs to loans | 0.1228% | 5,957 |
| Credit loss provision to net charge-offs | 64.2105% | 6,579 |
| Earnings coverage of net charge-offs (x) | 19.0421% | 1,101 |
| Efficiency ratio | 54.0396% | 7,225 |
| Assets per employee ($millions) | 5.8523% | 1,358 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6275% | 7,520 |
| Loan loss allowance to noncurrent loans | 83.7931% | 3,302 |
| Noncurrent assets plus other real estate owned to assets | 0.8724% | 5,369 |
| Noncurrent loans to loans | 0.7489% | 5,765 |
| Net loans and leases to total assets | 73.0582% | 2,495 |
| Net loans and leases to deposits | 102.2398% | 738 |
| Net loans and leases to core deposits | 122.9507% | 1,716 |
| Total domestic deposits to total assets | 71.4577% | 7,291 |
| Equity capital to assets | 27.4952% | 121 |
| Core capital (leverage) ratio | 27.3668% | 126 |
| Tier 1 risk-based capital ratio | 49.9157% | 165 |
| Total risk-based capital ratio | 50.7600% | 165 |
| Memoranda: | ||
| Average total assets | $105,975,200 | 4,926 |
| Average earning assets | $102,442,200 | 4,780 |
| Average equity | $28,397,200 | 2,343 |
| Average total loans | $77,386,400 | 4,607 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6061% | 3,831 |
| Cost of funding earning assets | 1.9605% | 3,565 |
| Net interest margin | 3.6457% | 4,297 |
| Noninterest income to average assets | 0.1884% | 6,866 |
| Noninterest expense to average assets | 1.9610% | 7,454 |
| Loan and lease loss provision to assets | 0.0452% | 6,915 |
| Net operating income to assets | 1.2487% | 1,346 |
| Return on assets (ROA) | 1.2487% | 1,413 |
| Pretax return on assets | 1.7098% | 955 |
| Return on Equity (ROE) | 4.6904% | 4,084 |
| Retained earnings to average equity (ytd only) | 4.6904% | 2,659 |
| Net charge-offs to loans | 0.0965% | 5,705 |
| Credit loss provision to net charge-offs | 64.2857% | 6,099 |
| Earnings coverage of net charge-offs (x) | 24.9480% | 1,071 |
| Efficiency ratio | 52.7721% | 7,349 |
| Assets per employee ($millions) | 5.8136% | 1,342 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6444% | 7,501 |
| Loan loss allowance to noncurrent loans | 75.0751% | 3,612 |
| Noncurrent assets plus other real estate owned to assets | 0.6364% | 5,854 |
| Noncurrent loans to loans | 0.8583% | 5,580 |
| Net loans and leases to total assets | 73.6707% | 2,628 |
| Net loans and leases to deposits | 103.3599% | 819 |
| Net loans and leases to core deposits | 124.5670% | 1,854 |
| Total domestic deposits to total assets | 71.2759% | 7,306 |
| Equity capital to assets | 27.4923% | 142 |
| Core capital (leverage) ratio | 27.3266% | 146 |
| Tier 1 risk-based capital ratio | 49.7667% | 169 |
| Total risk-based capital ratio | 50.6406% | 170 |
| Memoranda: | ||
| Average total assets | $106,133,500 | 4,954 |
| Average earning assets | $102,694,750 | 4,798 |
| Average equity | $28,255,500 | 2,373 |
| Average total loans | $77,371,250 | 4,652 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6033% | 4,058 |
| Cost of funding earning assets | 2.0105% | 3,723 |
| Net interest margin | 3.5929% | 4,394 |
| Noninterest income to average assets | 0.1763% | 7,036 |
| Noninterest expense to average assets | 1.9282% | 7,585 |
| Loan and lease loss provision to assets | 0.0169% | 7,056 |
| Net operating income to assets | 1.2961% | 1,237 |
| Return on assets (ROA) | 1.2961% | 1,322 |
| Pretax return on assets | 1.7106% | 991 |
| Return on Equity (ROE) | 4.9209% | 4,111 |
| Retained earnings to average equity (ytd only) | 4.9209% | 2,555 |
| Net charge-offs to loans | 0.0699% | 5,533 |
| Credit loss provision to net charge-offs | 33.3333% | 5,985 |
| Earnings coverage of net charge-offs (x) | 34.1111% | 913 |
| Efficiency ratio | 52.7450% | 7,456 |
| Assets per employee ($millions) | 5.9339% | 1,242 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6531% | 7,541 |
| Loan loss allowance to noncurrent loans | 234.4186% | 1,305 |
| Noncurrent assets plus other real estate owned to assets | 0.2013% | 7,014 |
| Noncurrent loans to loans | 0.2786% | 6,825 |
| Net loans and leases to total assets | 71.7791% | 3,284 |
| Net loans and leases to deposits | 99.4655% | 1,339 |
| Net loans and leases to core deposits | 120.1843% | 2,356 |
| Total domestic deposits to total assets | 72.1649% | 7,223 |
| Equity capital to assets | 26.6162% | 177 |
| Core capital (leverage) ratio | 26.4378% | 181 |
| Tier 1 risk-based capital ratio | 48.8918% | 194 |
| Total risk-based capital ratio | 49.7666% | 194 |
| Memoranda: | ||
| Average total assets | $106,630,000 | 4,973 |
| Average earning assets | $103,259,670 | 4,810 |
| Average equity | $28,084,330 | 2,401 |
| Average total loans | $77,297,670 | 4,683 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6300% | 4,175 |
| Cost of funding earning assets | 2.0589% | 3,832 |
| Net interest margin | 3.5711% | 4,448 |
| Noninterest income to average assets | 0.1690% | 7,097 |
| Noninterest expense to average assets | 2.0424% | 7,248 |
| Loan and lease loss provision to assets | 0.0338% | 6,516 |
| Net operating income to assets | 1.0287% | 2,197 |
| Return on assets (ROA) | 1.0287% | 2,338 |
| Pretax return on assets | 1.5506% | 1,533 |
| Return on Equity (ROE) | 3.9266% | 4,964 |
| Retained earnings to average equity (ytd only) | 3.9266% | 3,707 |
| Net charge-offs to loans | 0.0776% | 4,402 |
| Credit loss provision to net charge-offs | 60.0000% | 4,514 |
| Earnings coverage of net charge-offs (x) | 28.1333% | 1,111 |
| Efficiency ratio | 56.3147% | 6,925 |
| Assets per employee ($millions) | 5.9670% | 1,215 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7246% | 7,374 |
| Loan loss allowance to noncurrent loans | 319.1860% | 1,059 |
| Noncurrent assets plus other real estate owned to assets | 0.5037% | 5,959 |
| Noncurrent loans to loans | 0.2270% | 6,886 |
| Net loans and leases to total assets | 70.0343% | 3,660 |
| Net loans and leases to deposits | 96.4248% | 1,883 |
| Net loans and leases to core deposits | 116.3223% | 2,770 |
| Total domestic deposits to total assets | 72.6310% | 7,111 |
| Equity capital to assets | 26.1252% | 198 |
| Core capital (leverage) ratio | 25.9127% | 211 |
| Tier 1 risk-based capital ratio | 49.3896% | 217 |
| Total risk-based capital ratio | 50.3666% | 213 |
| Memoranda: | ||
| Average total assets | $106,539,500 | 4,992 |
| Average earning assets | $103,161,000 | 4,833 |
| Average equity | $27,912,000 | 2,425 |
| Average total loans | $77,360,500 | 4,705 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0933% | 5,080 |
| Cost of funding earning assets | 2.4475% | 4,486 |
| Net interest margin | 3.6458% | 4,697 |
| Noninterest income to average assets | 0.1687% | 7,215 |
| Noninterest expense to average assets | 2.0751% | 7,289 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.1114% | 2,100 |
| Return on assets (ROA) | 1.1114% | 2,018 |
| Pretax return on assets | 1.6278% | 1,318 |
| Return on Equity (ROE) | 4.3465% | 4,662 |
| Retained earnings to average equity (ytd only) | 4.3465% | 2,412 |
| Net charge-offs to loans | 0.1523% | 4,679 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 14.6838% | 2,020 |
| Efficiency ratio | 56.0389% | 7,004 |
| Assets per employee ($millions) | 5.8707% | 1,212 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7030% | 7,415 |
| Loan loss allowance to noncurrent loans | 233.1933% | 1,696 |
| Noncurrent assets plus other real estate owned to assets | 0.2252% | 6,674 |
| Noncurrent loans to loans | 0.3015% | 6,476 |
| Net loans and leases to total assets | 74.1874% | 3,064 |
| Net loans and leases to deposits | 102.4543% | 1,539 |
| Net loans and leases to core deposits | 124.1858% | 2,309 |
| Total domestic deposits to total assets | 72.4102% | 6,926 |
| Equity capital to assets | 26.2735% | 239 |
| Core capital (leverage) ratio | 26.0734% | 242 |
| Tier 1 risk-based capital ratio | 46.6694% | 243 |
| Total risk-based capital ratio | 47.6120% | 246 |
| Memoranda: | ||
| Average total assets | $105,539,400 | 4,888 |
| Average earning assets | $102,309,400 | 4,736 |
| Average equity | $26,987,000 | 2,476 |
| Average total loans | $76,803,400 | 4,620 |