Home > The Peoples Bank > Performance and Condition Ratios
The Peoples Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3134% | 799 |
| Cost of funding earning assets | 1.3707% | 3,459 |
| Net interest margin | 4.9427% | 327 |
| Noninterest income to average assets | 0.3600% | 2,477 |
| Noninterest expense to average assets | 3.5908% | 538 |
| Loan and lease loss provision to assets | 0.0900% | 1,412 |
| Net operating income to assets | 1.0365% | 2,179 |
| Return on assets (ROA) | 1.0365% | 2,174 |
| Pretax return on assets | 1.3773% | 1,793 |
| Return on Equity (ROE) | 9.9600% | 2,321 |
| Retained earnings to average equity (ytd only) | 9.9598% | 1,187 |
| Net charge-offs to loans | 0.0044% | 2,109 |
| Credit loss provision to net charge-offs | 2,700.0000% | 163 |
| Earnings coverage of net charge-offs (x) | 463.5000% | 208 |
| Efficiency ratio | 71.0584% | 1,704 |
| Assets per employee ($millions) | 5.7927% | 3,100 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4970% | 1,025 |
| Loan loss allowance to noncurrent loans | 27,840.0000% | 51 |
| Noncurrent assets plus other real estate owned to assets | 0.0392% | 3,411 |
| Noncurrent loans to loans | 0.0054% | 3,730 |
| Net loans and leases to total assets | 71.8700% | 1,625 |
| Net loans and leases to deposits | 81.7198% | 1,908 |
| Net loans and leases to core deposits | 86.5172% | 2,285 |
| Total domestic deposits to total assets | 87.9500% | 1,571 |
| Equity capital to assets | 10.5038% | 1,915 |
| Core capital (leverage) ratio | 10.8559% | 2,136 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $253,538,500 | 2,715 |
| Average earning assets | $240,758,500 | 2,681 |
| Average equity | $26,386,000 | 2,616 |
| Average total loans | $183,067,500 | 2,520 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3678% | 842 |
| Cost of funding earning assets | 1.3200% | 3,643 |
| Net interest margin | 5.0477% | 311 |
| Noninterest income to average assets | 0.3800% | 2,571 |
| Noninterest expense to average assets | 3.6415% | 496 |
| Loan and lease loss provision to assets | 0.0500% | 2,169 |
| Net operating income to assets | 1.0767% | 1,818 |
| Return on assets (ROA) | 1.0767% | 1,824 |
| Pretax return on assets | 1.4485% | 1,386 |
| Return on Equity (ROE) | 10.4700% | 2,029 |
| Retained earnings to average equity (ytd only) | 10.4701% | 511 |
| Net charge-offs to loans | -0.0023% | 3,802 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 70.8042% | 1,896 |
| Assets per employee ($millions) | 5.7318% | 3,091 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5164% | 963 |
| Loan loss allowance to noncurrent loans | 1,460.9626% | 539 |
| Noncurrent assets plus other real estate owned to assets | 0.1098% | 2,932 |
| Noncurrent loans to loans | 0.1038% | 3,114 |
| Net loans and leases to total assets | 70.3500% | 1,851 |
| Net loans and leases to deposits | 79.6870% | 2,158 |
| Net loans and leases to core deposits | 85.2153% | 2,435 |
| Total domestic deposits to total assets | 88.2900% | 1,405 |
| Equity capital to assets | 10.3093% | 1,959 |
| Core capital (leverage) ratio | 10.5730% | 2,307 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $239,351,600 | 2,764 |
| Average earning assets | $225,982,200 | 2,740 |
| Average equity | $24,613,000 | 2,662 |
| Average total loans | $172,960,800 | 2,552 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2909% | 898 |
| Cost of funding earning assets | 1.2514% | 3,747 |
| Net interest margin | 5.0396% | 319 |
| Noninterest income to average assets | 0.3900% | 2,483 |
| Noninterest expense to average assets | 3.6238% | 498 |
| Loan and lease loss provision to assets | 0.0700% | 1,666 |
| Net operating income to assets | 1.0728% | 1,847 |
| Return on assets (ROA) | 1.0728% | 1,847 |
| Pretax return on assets | 1.4511% | 1,404 |
| Return on Equity (ROE) | 10.4400% | 2,071 |
| Retained earnings to average equity (ytd only) | 10.4395% | 755 |
| Net charge-offs to loans | -0.0031% | 3,766 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 70.4887% | 1,961 |
| Assets per employee ($millions) | 5.7986% | 3,033 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5048% | 1,037 |
| Loan loss allowance to noncurrent loans | 34,025.0000% | 52 |
| Noncurrent assets plus other real estate owned to assets | 0.0032% | 3,797 |
| Noncurrent loans to loans | 0.0044% | 3,772 |
| Net loans and leases to total assets | 71.4500% | 1,675 |
| Net loans and leases to deposits | 80.9712% | 2,094 |
| Net loans and leases to core deposits | 86.7922% | 2,365 |
| Total domestic deposits to total assets | 88.2500% | 1,170 |
| Equity capital to assets | 10.2283% | 2,146 |
| Core capital (leverage) ratio | 10.5678% | 2,365 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $236,139,750 | 2,770 |
| Average earning assets | $222,684,750 | 2,753 |
| Average equity | $24,266,250 | 2,670 |
| Average total loans | $171,160,250 | 2,559 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1477% | 973 |
| Cost of funding earning assets | 1.1037% | 3,913 |
| Net interest margin | 5.0440% | 317 |
| Noninterest income to average assets | 0.4000% | 2,384 |
| Noninterest expense to average assets | 3.6774% | 482 |
| Loan and lease loss provision to assets | 0.0700% | 1,571 |
| Net operating income to assets | 1.0287% | 1,905 |
| Return on assets (ROA) | 1.0287% | 1,907 |
| Pretax return on assets | 1.4050% | 1,463 |
| Return on Equity (ROE) | 9.9900% | 2,193 |
| Retained earnings to average equity (ytd only) | 9.9941% | 881 |
| Net charge-offs to loans | -0.0024% | 3,660 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 71.3496% | 1,934 |
| Assets per employee ($millions) | 5.6515% | 3,095 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5351% | 986 |
| Loan loss allowance to noncurrent loans | 29,844.4444% | 46 |
| Noncurrent assets plus other real estate owned to assets | 0.0037% | 3,789 |
| Noncurrent loans to loans | 0.0051% | 3,753 |
| Net loans and leases to total assets | 70.9000% | 1,794 |
| Net loans and leases to deposits | 80.1905% | 2,197 |
| Net loans and leases to core deposits | 85.3975% | 2,438 |
| Total domestic deposits to total assets | 88.4100% | 1,184 |
| Equity capital to assets | 10.0793% | 2,022 |
| Core capital (leverage) ratio | 10.7549% | 2,181 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $231,740,333 | 2,786 |
| Average earning assets | $218,357,333 | 2,773 |
| Average equity | $23,854,000 | 2,657 |
| Average total loans | $167,919,333 | 2,582 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9894% | 1,072 |
| Cost of funding earning assets | 1.0017% | 3,985 |
| Net interest margin | 4.9877% | 328 |
| Noninterest income to average assets | 0.4200% | 2,181 |
| Noninterest expense to average assets | 3.7010% | 458 |
| Loan and lease loss provision to assets | 0.0400% | 1,880 |
| Net operating income to assets | 1.0031% | 1,919 |
| Return on assets (ROA) | 1.0031% | 1,927 |
| Pretax return on assets | 1.3781% | 1,480 |
| Return on Equity (ROE) | 9.6400% | 2,230 |
| Retained earnings to average equity (ytd only) | 9.6371% | 1,179 |
| Net charge-offs to loans | -0.0024% | 3,554 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 72.2875% | 1,918 |
| Assets per employee ($millions) | 5.2978% | 3,430 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5724% | 906 |
| Loan loss allowance to noncurrent loans | 26,250.0000% | 57 |
| Noncurrent assets plus other real estate owned to assets | 0.0043% | 3,814 |
| Noncurrent loans to loans | 0.0060% | 3,765 |
| Net loans and leases to total assets | 70.4900% | 1,749 |
| Net loans and leases to deposits | 79.6943% | 2,088 |
| Net loans and leases to core deposits | 85.1095% | 2,368 |
| Total domestic deposits to total assets | 88.4500% | 1,276 |
| Equity capital to assets | 10.2152% | 1,883 |
| Core capital (leverage) ratio | 11.0289% | 1,947 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $226,104,000 | 2,833 |
| Average earning assets | $212,842,500 | 2,812 |
| Average equity | $23,534,000 | 2,683 |
| Average total loans | $164,393,000 | 2,610 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4639% | 1,214 |
| Cost of funding earning assets | 0.4910% | 4,202 |
| Net interest margin | 4.9729% | 329 |
| Noninterest income to average assets | 0.4100% | 2,454 |
| Noninterest expense to average assets | 3.7072% | 462 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | 0.9598% | 2,336 |
| Return on assets (ROA) | 0.9598% | 2,330 |
| Pretax return on assets | 1.3183% | 1,820 |
| Return on Equity (ROE) | 9.4100% | 2,658 |
| Retained earnings to average equity (ytd only) | 9.4146% | 1,152 |
| Net charge-offs to loans | -0.0139% | 4,056 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 73.5308% | 1,497 |
| Assets per employee ($millions) | 5.3440% | 3,356 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6071% | 824 |
| Loan loss allowance to noncurrent loans | 3,612.5000% | 311 |
| Noncurrent assets plus other real estate owned to assets | 0.0329% | 3,424 |
| Noncurrent loans to loans | 0.0445% | 3,404 |
| Net loans and leases to total assets | 72.6800% | 1,505 |
| Net loans and leases to deposits | 82.4202% | 1,915 |
| Net loans and leases to core deposits | 87.4349% | 2,215 |
| Total domestic deposits to total assets | 88.1800% | 1,291 |
| Equity capital to assets | 10.6141% | 1,669 |
| Core capital (leverage) ratio | 11.0050% | 1,962 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $215,661,200 | 2,870 |
| Average earning assets | $200,808,200 | 2,860 |
| Average equity | $21,987,200 | 2,697 |
| Average total loans | $144,360,800 | 2,723 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2751% | 1,320 |
| Cost of funding earning assets | 0.3701% | 4,291 |
| Net interest margin | 4.9050% | 350 |
| Noninterest income to average assets | 0.4100% | 2,428 |
| Noninterest expense to average assets | 3.6194% | 486 |
| Loan and lease loss provision to assets | 0.0200% | 2,562 |
| Net operating income to assets | 0.9658% | 2,464 |
| Return on assets (ROA) | 0.9658% | 2,459 |
| Pretax return on assets | 1.3277% | 1,951 |
| Return on Equity (ROE) | 9.5700% | 2,778 |
| Retained earnings to average equity (ytd only) | 9.5737% | 1,525 |
| Net charge-offs to loans | -0.0162% | 4,077 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 72.8420% | 1,470 |
| Assets per employee ($millions) | 5.1086% | 3,512 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7252% | 664 |
| Loan loss allowance to noncurrent loans | 3,419.7368% | 326 |
| Noncurrent assets plus other real estate owned to assets | 0.0354% | 3,447 |
| Noncurrent loans to loans | 0.0504% | 3,395 |
| Net loans and leases to total assets | 69.0000% | 1,945 |
| Net loans and leases to deposits | 78.1592% | 2,233 |
| Net loans and leases to core deposits | 80.1083% | 2,594 |
| Total domestic deposits to total assets | 88.2800% | 1,483 |
| Equity capital to assets | 10.4398% | 1,583 |
| Core capital (leverage) ratio | 10.9346% | 2,038 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $214,800,500 | 2,886 |
| Average earning assets | $199,572,750 | 2,881 |
| Average equity | $21,670,000 | 2,711 |
| Average total loans | $139,990,750 | 2,773 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0617% | 1,436 |
| Cost of funding earning assets | 0.2753% | 4,350 |
| Net interest margin | 4.7865% | 411 |
| Noninterest income to average assets | 0.4200% | 2,314 |
| Noninterest expense to average assets | 3.5238% | 526 |
| Loan and lease loss provision to assets | 0.0200% | 2,476 |
| Net operating income to assets | 0.9596% | 2,548 |
| Return on assets (ROA) | 0.9596% | 2,539 |
| Pretax return on assets | 1.3217% | 2,014 |
| Return on Equity (ROE) | 9.6200% | 2,813 |
| Retained earnings to average equity (ytd only) | 9.6235% | 1,507 |
| Net charge-offs to loans | -0.0088% | 3,876 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 72.3762% | 1,517 |
| Assets per employee ($millions) | 5.0712% | 3,532 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8266% | 572 |
| Loan loss allowance to noncurrent loans | 19,823.0769% | 86 |
| Noncurrent assets plus other real estate owned to assets | 0.0061% | 3,800 |
| Noncurrent loans to loans | 0.0092% | 3,722 |
| Net loans and leases to total assets | 65.0300% | 2,276 |
| Net loans and leases to deposits | 73.4368% | 2,549 |
| Net loans and leases to core deposits | 74.8533% | 2,841 |
| Total domestic deposits to total assets | 88.5500% | 1,398 |
| Equity capital to assets | 10.2779% | 1,699 |
| Core capital (leverage) ratio | 11.0713% | 1,876 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $214,879,667 | 2,897 |
| Average earning assets | $199,812,667 | 2,888 |
| Average equity | $21,426,667 | 2,743 |
| Average total loans | $136,437,000 | 2,809 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9289% | 1,363 |
| Cost of funding earning assets | 0.1752% | 4,414 |
| Net interest margin | 4.7537% | 407 |
| Noninterest income to average assets | 0.4200% | 2,267 |
| Noninterest expense to average assets | 3.4806% | 553 |
| Loan and lease loss provision to assets | 0.0500% | 1,764 |
| Net operating income to assets | 0.9545% | 2,673 |
| Return on assets (ROA) | 0.9545% | 2,637 |
| Pretax return on assets | 1.3233% | 2,103 |
| Return on Equity (ROE) | 9.7200% | 2,869 |
| Retained earnings to average equity (ytd only) | 9.7195% | 1,761 |
| Net charge-offs to loans | -0.0089% | 3,814 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 71.7616% | 1,553 |
| Assets per employee ($millions) | 5.0762% | 3,595 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8964% | 537 |
| Loan loss allowance to noncurrent loans | 18,385.7143% | 106 |
| Noncurrent assets plus other real estate owned to assets | 0.0066% | 3,819 |
| Noncurrent loans to loans | 0.0103% | 3,751 |
| Net loans and leases to total assets | 62.4600% | 2,420 |
| Net loans and leases to deposits | 70.1450% | 2,597 |
| Net loans and leases to core deposits | 71.1179% | 2,876 |
| Total domestic deposits to total assets | 89.0400% | 1,531 |
| Equity capital to assets | 10.1139% | 1,762 |
| Core capital (leverage) ratio | 10.4958% | 2,237 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $215,824,500 | 2,932 |
| Average earning assets | $200,936,500 | 2,924 |
| Average equity | $21,194,500 | 2,783 |
| Average total loans | $134,116,500 | 2,861 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9935% | 1,734 |
| Cost of funding earning assets | 0.0923% | 4,423 |
| Net interest margin | 3.9012% | 953 |
| Noninterest income to average assets | 0.4100% | 2,635 |
| Noninterest expense to average assets | 3.3660% | 567 |
| Loan and lease loss provision to assets | 0.0300% | 2,326 |
| Net operating income to assets | 0.4900% | 4,102 |
| Return on assets (ROA) | 0.4900% | 4,064 |
| Pretax return on assets | 0.6419% | 3,959 |
| Return on Equity (ROE) | 5.1700% | 3,988 |
| Retained earnings to average equity (ytd only) | 5.1727% | 2,975 |
| Net charge-offs to loans | 0.0016% | 2,496 |
| Credit loss provision to net charge-offs | 3,750.0000% | 164 |
| Earnings coverage of net charge-offs (x) | 732.5000% | 245 |
| Efficiency ratio | 83.2648% | 523 |
| Assets per employee ($millions) | 5.2011% | 3,514 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9215% | 506 |
| Loan loss allowance to noncurrent loans | 3,487.6712% | 405 |
| Noncurrent assets plus other real estate owned to assets | 0.0334% | 3,471 |
| Noncurrent loans to loans | 0.0551% | 3,360 |
| Net loans and leases to total assets | 59.4900% | 2,688 |
| Net loans and leases to deposits | 66.3996% | 2,866 |
| Net loans and leases to core deposits | 67.3180% | 3,049 |
| Total domestic deposits to total assets | 89.5900% | 1,519 |
| Equity capital to assets | 9.5336% | 1,980 |
| Core capital (leverage) ratio | 9.8059% | 2,835 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $216,548,800 | 2,933 |
| Average earning assets | $201,551,000 | 2,919 |
| Average equity | $20,511,600 | 2,906 |
| Average total loans | $124,655,800 | 2,884 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6860% | 2,079 |
| Cost of funding earning assets | 0.0789% | 4,429 |
| Net interest margin | 3.6071% | 1,375 |
| Noninterest income to average assets | 0.4100% | 2,683 |
| Noninterest expense to average assets | 3.3247% | 574 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.3233% | 4,353 |
| Return on assets (ROA) | 0.3233% | 4,307 |
| Pretax return on assets | 0.4418% | 4,218 |
| Return on Equity (ROE) | 3.4200% | 4,243 |
| Retained earnings to average equity (ytd only) | 3.4192% | 3,661 |
| Net charge-offs to loans | 0.0043% | 2,038 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 179.0000% | 664 |
| Efficiency ratio | 88.2700% | 381 |
| Assets per employee ($millions) | 5.6003% | 3,126 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9049% | 601 |
| Loan loss allowance to noncurrent loans | 5,741.8605% | 233 |
| Noncurrent assets plus other real estate owned to assets | 0.3245% | 1,646 |
| Noncurrent loans to loans | 0.0332% | 3,656 |
| Net loans and leases to total assets | 56.7600% | 2,829 |
| Net loans and leases to deposits | 62.9849% | 2,947 |
| Net loans and leases to core deposits | 63.8279% | 3,134 |
| Total domestic deposits to total assets | 90.1200% | 1,607 |
| Equity capital to assets | 9.0143% | 2,204 |
| Core capital (leverage) ratio | 9.8542% | 2,700 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $216,074,000 | 2,957 |
| Average earning assets | $201,080,250 | 2,945 |
| Average equity | $20,433,000 | 2,955 |
| Average total loans | $122,694,750 | 2,905 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4588% | 2,261 |
| Cost of funding earning assets | 0.0727% | 4,442 |
| Net interest margin | 3.3861% | 1,646 |
| Noninterest income to average assets | 0.4367% | 2,530 |
| Noninterest expense to average assets | 3.2948% | 554 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.2071% | 4,409 |
| Return on assets (ROA) | 0.2071% | 4,369 |
| Pretax return on assets | 0.2830% | 4,318 |
| Return on Equity (ROE) | 2.1547% | 4,336 |
| Retained earnings to average equity (ytd only) | 2.1547% | 3,709 |
| Net charge-offs to loans | -0.0017% | 3,096 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.0901% | 338 |
| Assets per employee ($millions) | 5.2726% | 3,453 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9703% | 589 |
| Loan loss allowance to noncurrent loans | 4,757.6923% | 256 |
| Noncurrent assets plus other real estate owned to assets | 0.4473% | 1,268 |
| Noncurrent loans to loans | 0.0414% | 3,635 |
| Net loans and leases to total assets | 56.9392% | 2,648 |
| Net loans and leases to deposits | 63.4135% | 2,775 |
| Net loans and leases to core deposits | 64.1281% | 2,959 |
| Total domestic deposits to total assets | 89.7904% | 1,801 |
| Equity capital to assets | 9.3765% | 2,111 |
| Core capital (leverage) ratio | 9.7801% | 2,627 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $213,428,667 | 3,000 |
| Average earning assets | $197,988,667 | 3,009 |
| Average equity | $20,513,000 | 3,019 |
| Average total loans | $120,387,667 | 2,940 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3130% | 2,347 |
| Cost of funding earning assets | 0.0732% | 4,419 |
| Net interest margin | 3.2398% | 1,752 |
| Noninterest income to average assets | 0.4584% | 2,367 |
| Noninterest expense to average assets | 3.3161% | 523 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.1075% | 4,460 |
| Return on assets (ROA) | 0.1075% | 4,431 |
| Pretax return on assets | 0.1471% | 4,393 |
| Return on Equity (ROE) | 1.1049% | 4,411 |
| Retained earnings to average equity (ytd only) | 1.1049% | 3,805 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.7516% | 335 |
| Assets per employee ($millions) | 5.4300% | 3,368 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0805% | 538 |
| Loan loss allowance to noncurrent loans | 4,496.3636% | 288 |
| Noncurrent assets plus other real estate owned to assets | 0.4466% | 1,364 |
| Noncurrent loans to loans | 0.0463% | 3,646 |
| Net loans and leases to total assets | 53.5889% | 2,812 |
| Net loans and leases to deposits | 59.6338% | 2,935 |
| Net loans and leases to core deposits | 60.4590% | 3,101 |
| Total domestic deposits to total assets | 89.8633% | 1,649 |
| Equity capital to assets | 9.4273% | 2,340 |
| Core capital (leverage) ratio | 9.9342% | 2,356 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $212,054,000 | 3,027 |
| Average earning assets | $196,678,000 | 3,030 |
| Average equity | $20,634,500 | 3,090 |
| Average total loans | $117,799,500 | 2,958 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6417% | 2,273 |
| Cost of funding earning assets | 0.0954% | 4,416 |
| Net interest margin | 3.5463% | 1,614 |
| Noninterest income to average assets | 0.5042% | 2,545 |
| Noninterest expense to average assets | 3.4573% | 511 |
| Loan and lease loss provision to assets | 0.1331% | 916 |
| Net operating income to assets | 0.1425% | 4,584 |
| Return on assets (ROA) | 0.1425% | 4,597 |
| Pretax return on assets | 0.1942% | 4,578 |
| Return on Equity (ROE) | 1.3173% | 4,574 |
| Retained earnings to average equity (ytd only) | 1.3173% | 4,170 |
| Net charge-offs to loans | -0.0695% | 4,456 |
| Credit loss provision to net charge-offs | -331.1688% | 3,641 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.3529% | 283 |
| Assets per employee ($millions) | 4.9264% | 3,801 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1185% | 502 |
| Loan loss allowance to noncurrent loans | 8,243.3333% | 177 |
| Noncurrent assets plus other real estate owned to assets | 0.6341% | 1,037 |
| Noncurrent loans to loans | 0.0257% | 3,883 |
| Net loans and leases to total assets | 55.2216% | 2,713 |
| Net loans and leases to deposits | 61.9553% | 2,887 |
| Net loans and leases to core deposits | 62.7757% | 3,092 |
| Total domestic deposits to total assets | 89.1314% | 1,444 |
| Equity capital to assets | 10.0494% | 2,613 |
| Core capital (leverage) ratio | 10.2331% | 2,143 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $191,596,600 | 3,120 |
| Average earning assets | $177,224,600 | 3,114 |
| Average equity | $20,724,600 | 3,154 |
| Average total loans | $110,867,200 | 3,066 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6807% | 2,329 |
| Cost of funding earning assets | 0.1013% | 4,488 |
| Net interest margin | 3.5794% | 1,651 |
| Noninterest income to average assets | 0.5247% | 2,520 |
| Noninterest expense to average assets | 3.4765% | 472 |
| Loan and lease loss provision to assets | 0.1598% | 694 |
| Net operating income to assets | 0.1463% | 4,664 |
| Return on assets (ROA) | 0.1463% | 4,685 |
| Pretax return on assets | 0.1988% | 4,668 |
| Return on Equity (ROE) | 1.3264% | 4,665 |
| Retained earnings to average equity (ytd only) | 1.3264% | 4,345 |
| Net charge-offs to loans | -0.0938% | 4,584 |
| Credit loss provision to net charge-offs | -292.2078% | 3,488 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.6499% | 301 |
| Assets per employee ($millions) | 4.7276% | 3,939 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0225% | 608 |
| Loan loss allowance to noncurrent loans | 8,140.0000% | 157 |
| Noncurrent assets plus other real estate owned to assets | 0.6608% | 1,141 |
| Noncurrent loans to loans | 0.0248% | 4,017 |
| Net loans and leases to total assets | 59.5798% | 2,316 |
| Net loans and leases to deposits | 67.2761% | 2,514 |
| Net loans and leases to core deposits | 67.9161% | 2,782 |
| Total domestic deposits to total assets | 88.5601% | 1,535 |
| Equity capital to assets | 10.5067% | 2,457 |
| Core capital (leverage) ratio | 10.7307% | 1,866 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $187,768,750 | 3,183 |
| Average earning assets | $173,656,500 | 3,183 |
| Average equity | $20,707,500 | 3,195 |
| Average total loans | $109,401,250 | 3,125 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6351% | 2,514 |
| Cost of funding earning assets | 0.1130% | 4,484 |
| Net interest margin | 3.5221% | 1,795 |
| Noninterest income to average assets | 0.5310% | 2,486 |
| Noninterest expense to average assets | 3.4142% | 522 |
| Loan and lease loss provision to assets | 0.1629% | 712 |
| Net operating income to assets | 0.1499% | 4,666 |
| Return on assets (ROA) | 0.1499% | 4,688 |
| Pretax return on assets | 0.2042% | 4,664 |
| Return on Equity (ROE) | 1.3362% | 4,665 |
| Retained earnings to average equity (ytd only) | 1.3362% | 4,270 |
| Net charge-offs to loans | -0.1420% | 4,715 |
| Credit loss provision to net charge-offs | -200.0000% | 3,198 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.2929% | 337 |
| Assets per employee ($millions) | 4.5539% | 4,062 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1328% | 480 |
| Loan loss allowance to noncurrent loans | 6,391.8919% | 169 |
| Noncurrent assets plus other real estate owned to assets | 0.7314% | 1,123 |
| Noncurrent loans to loans | 0.0334% | 4,031 |
| Net loans and leases to total assets | 56.7396% | 2,807 |
| Net loans and leases to deposits | 64.3408% | 2,962 |
| Net loans and leases to core deposits | 64.9780% | 3,194 |
| Total domestic deposits to total assets | 88.1860% | 1,728 |
| Equity capital to assets | 10.8436% | 2,109 |
| Core capital (leverage) ratio | 10.8707% | 1,678 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $184,172,000 | 3,218 |
| Average earning assets | $169,956,000 | 3,217 |
| Average equity | $20,656,000 | 3,191 |
| Average total loans | $105,620,667 | 3,184 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4400% | 3,084 |
| Cost of funding earning assets | 0.1345% | 4,419 |
| Net interest margin | 3.3055% | 2,376 |
| Noninterest income to average assets | 0.5315% | 2,473 |
| Noninterest expense to average assets | 3.4857% | 477 |
| Loan and lease loss provision to assets | 0.1661% | 757 |
| Net operating income to assets | -0.0509% | 4,790 |
| Return on assets (ROA) | -0.0509% | 4,796 |
| Pretax return on assets | -0.0731% | 4,806 |
| Return on Equity (ROE) | -0.4463% | 4,797 |
| Retained earnings to average equity (ytd only) | -0.4463% | 4,404 |
| Net charge-offs to loans | -0.2991% | 4,846 |
| Credit loss provision to net charge-offs | -97.4026% | 2,825 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.4010% | 225 |
| Assets per employee ($millions) | 4.3559% | 4,232 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1732% | 441 |
| Loan loss allowance to noncurrent loans | 1,559.1837% | 462 |
| Noncurrent assets plus other real estate owned to assets | 0.7811% | 1,155 |
| Noncurrent loans to loans | 0.1394% | 3,623 |
| Net loans and leases to total assets | 56.3960% | 2,985 |
| Net loans and leases to deposits | 64.1610% | 3,108 |
| Net loans and leases to core deposits | 64.8266% | 3,331 |
| Total domestic deposits to total assets | 87.8977% | 1,895 |
| Equity capital to assets | 11.2069% | 1,717 |
| Core capital (leverage) ratio | 11.3614% | 1,492 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $180,625,500 | 3,248 |
| Average earning assets | $166,512,500 | 3,243 |
| Average equity | $20,614,000 | 3,187 |
| Average total loans | $102,987,000 | 3,219 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6905% | 3,600 |
| Cost of funding earning assets | 0.2045% | 4,569 |
| Net interest margin | 3.4861% | 2,512 |
| Noninterest income to average assets | 0.7994% | 1,533 |
| Noninterest expense to average assets | 3.8011% | 458 |
| Loan and lease loss provision to assets | 0.6620% | 271 |
| Net operating income to assets | 0.0668% | 4,690 |
| Return on assets (ROA) | 0.0668% | 4,723 |
| Pretax return on assets | -0.4710% | 4,873 |
| Return on Equity (ROE) | 0.5747% | 4,719 |
| Retained earnings to average equity (ytd only) | 0.5747% | 4,351 |
| Net charge-offs to loans | 0.0899% | 1,556 |
| Credit loss provision to net charge-offs | 1,312.5000% | 635 |
| Earnings coverage of net charge-offs (x) | 3.7875% | 3,054 |
| Efficiency ratio | 95.2148% | 246 |
| Assets per employee ($millions) | 3.8761% | 4,454 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1302% | 467 |
| Loan loss allowance to noncurrent loans | 440.5350% | 1,273 |
| Noncurrent assets plus other real estate owned to assets | 0.2877% | 2,851 |
| Noncurrent loans to loans | 0.4836% | 2,521 |
| Net loans and leases to total assets | 55.1676% | 3,376 |
| Net loans and leases to deposits | 63.1302% | 3,509 |
| Net loans and leases to core deposits | 63.5023% | 3,730 |
| Total domestic deposits to total assets | 87.3871% | 1,748 |
| Equity capital to assets | 11.6235% | 1,794 |
| Core capital (leverage) ratio | 11.7658% | 1,334 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $158,610,200 | 3,303 |
| Average earning assets | $145,263,800 | 3,321 |
| Average equity | $18,445,600 | 3,328 |
| Average total loans | $88,958,200 | 3,414 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6003% | 4,009 |
| Cost of funding earning assets | 0.2163% | 4,616 |
| Net interest margin | 3.3840% | 2,967 |
| Noninterest income to average assets | 0.9179% | 1,178 |
| Noninterest expense to average assets | 3.5795% | 633 |
| Loan and lease loss provision to assets | 0.6507% | 365 |
| Net operating income to assets | 0.4077% | 4,251 |
| Return on assets (ROA) | 0.4077% | 4,316 |
| Pretax return on assets | -0.2178% | 4,842 |
| Return on Equity (ROE) | 3.5056% | 4,288 |
| Retained earnings to average equity (ytd only) | 3.5056% | 3,300 |
| Net charge-offs to loans | 0.1642% | 896 |
| Credit loss provision to net charge-offs | 707.5472% | 1,063 |
| Earnings coverage of net charge-offs (x) | 4.7075% | 2,796 |
| Efficiency ratio | 89.2108% | 381 |
| Assets per employee ($millions) | 3.3169% | 4,738 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9166% | 566 |
| Loan loss allowance to noncurrent loans | 259.2857% | 1,804 |
| Noncurrent assets plus other real estate owned to assets | 0.4410% | 2,419 |
| Noncurrent loans to loans | 0.7392% | 1,959 |
| Net loans and leases to total assets | 54.9089% | 3,719 |
| Net loans and leases to deposits | 63.3936% | 3,835 |
| Net loans and leases to core deposits | 63.7833% | 4,017 |
| Total domestic deposits to total assets | 86.6158% | 1,809 |
| Equity capital to assets | 12.4904% | 1,434 |
| Core capital (leverage) ratio | 12.5795% | 1,084 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $153,687,250 | 3,338 |
| Average earning assets | $140,539,250 | 3,360 |
| Average equity | $17,875,750 | 3,379 |
| Average total loans | $86,071,250 | 3,482 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6600% | 4,156 |
| Cost of funding earning assets | 0.2304% | 4,684 |
| Net interest margin | 3.4296% | 3,007 |
| Noninterest income to average assets | 1.2873% | 615 |
| Noninterest expense to average assets | 3.6747% | 596 |
| Loan and lease loss provision to assets | 0.6059% | 521 |
| Net operating income to assets | 0.2868% | 4,444 |
| Return on assets (ROA) | 0.2868% | 4,481 |
| Pretax return on assets | 0.1333% | 4,698 |
| Return on Equity (ROE) | 2.5370% | 4,441 |
| Retained earnings to average equity (ytd only) | 2.5370% | 3,567 |
| Net charge-offs to loans | 0.1947% | 789 |
| Credit loss provision to net charge-offs | 555.5556% | 1,159 |
| Earnings coverage of net charge-offs (x) | 6.7778% | 2,418 |
| Efficiency ratio | 83.2520% | 681 |
| Assets per employee ($millions) | 3.2232% | 4,778 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6679% | 880 |
| Loan loss allowance to noncurrent loans | 63.6101% | 3,820 |
| Noncurrent assets plus other real estate owned to assets | 1.6145% | 544 |
| Noncurrent loans to loans | 2.6221% | 430 |
| Net loans and leases to total assets | 55.2295% | 3,755 |
| Net loans and leases to deposits | 63.8455% | 3,894 |
| Net loans and leases to core deposits | 64.2486% | 4,065 |
| Total domestic deposits to total assets | 86.5049% | 1,804 |
| Equity capital to assets | 12.6769% | 1,290 |
| Core capital (leverage) ratio | 13.2798% | 927 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $148,529,000 | 3,384 |
| Average earning assets | $135,411,333 | 3,406 |
| Average equity | $16,791,333 | 3,479 |
| Average total loans | $83,195,000 | 3,531 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0858% | 3,567 |
| Cost of funding earning assets | 0.2491% | 4,776 |
| Net interest margin | 3.8368% | 1,858 |
| Noninterest income to average assets | 1.6358% | 341 |
| Noninterest expense to average assets | 3.8207% | 605 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.2774% | 1,304 |
| Return on assets (ROA) | 1.2774% | 1,401 |
| Pretax return on assets | 1.2774% | 1,940 |
| Return on Equity (ROE) | 12.1618% | 1,064 |
| Retained earnings to average equity (ytd only) | 12.1618% | 407 |
| Net charge-offs to loans | 0.5901% | 249 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 3.8707% | 2,180 |
| Efficiency ratio | 74.9442% | 1,692 |
| Assets per employee ($millions) | 3.0606% | 4,769 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3686% | 1,815 |
| Loan loss allowance to noncurrent loans | 43.0437% | 4,195 |
| Noncurrent assets plus other real estate owned to assets | 1.8746% | 469 |
| Noncurrent loans to loans | 3.1796% | 320 |
| Net loans and leases to total assets | 51.7531% | 4,132 |
| Net loans and leases to deposits | 61.0178% | 4,159 |
| Net loans and leases to core deposits | 61.4563% | 4,295 |
| Total domestic deposits to total assets | 84.8165% | 2,480 |
| Equity capital to assets | 14.3409% | 945 |
| Core capital (leverage) ratio | 14.7830% | 719 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $140,601,000 | 3,451 |
| Average earning assets | $126,878,000 | 3,485 |
| Average equity | $14,767,500 | 3,686 |
| Average total loans | $78,628,000 | 3,607 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5525% | 2,771 |
| Cost of funding earning assets | 0.2437% | 4,862 |
| Net interest margin | 4.3088% | 1,075 |
| Noninterest income to average assets | 1.0671% | 834 |
| Noninterest expense to average assets | 4.2694% | 387 |
| Loan and lease loss provision to assets | 0.1439% | 1,482 |
| Net operating income to assets | 0.5106% | 4,387 |
| Return on assets (ROA) | 0.5106% | 4,439 |
| Pretax return on assets | 0.5106% | 4,557 |
| Return on Equity (ROE) | 8.1743% | 3,092 |
| Retained earnings to average equity (ytd only) | 8.1743% | 920 |
| Net charge-offs to loans | 0.0432% | 2,526 |
| Credit loss provision to net charge-offs | 520.0000% | 561 |
| Earnings coverage of net charge-offs (x) | 23.6571% | 1,806 |
| Efficiency ratio | 86.7073% | 501 |
| Assets per employee ($millions) | 2.9194% | 4,855 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4606% | 1,337 |
| Loan loss allowance to noncurrent loans | 37.2455% | 4,321 |
| Noncurrent assets plus other real estate owned to assets | 2.5988% | 242 |
| Noncurrent loans to loans | 3.9216% | 183 |
| Net loans and leases to total assets | 58.8266% | 3,686 |
| Net loans and leases to deposits | 66.4961% | 3,924 |
| Net loans and leases to core deposits | 66.8534% | 4,143 |
| Total domestic deposits to total assets | 88.4663% | 904 |
| Equity capital to assets | 6.3049% | 5,162 |
| Core capital (leverage) ratio | 6.5257% | 5,159 |
| Tier 1 risk-based capital ratio | 10.1748% | 5,097 |
| Total risk-based capital ratio | 11.4270% | 5,038 |
| Memoranda: | ||
| Average total assets | $126,505,600 | 3,608 |
| Average earning assets | $113,233,800 | 3,659 |
| Average equity | $7,902,800 | 4,520 |
| Average total loans | $81,070,600 | 3,579 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6201% | 2,658 |
| Cost of funding earning assets | 0.2307% | 4,971 |
| Net interest margin | 4.3894% | 971 |
| Noninterest income to average assets | 1.1047% | 750 |
| Noninterest expense to average assets | 4.3320% | 354 |
| Loan and lease loss provision to assets | 0.1820% | 1,001 |
| Net operating income to assets | 0.5213% | 4,465 |
| Return on assets (ROA) | 0.5213% | 4,518 |
| Pretax return on assets | 0.5213% | 4,668 |
| Return on Equity (ROE) | 8.3656% | 3,168 |
| Retained earnings to average equity (ytd only) | 8.3656% | 1,260 |
| Net charge-offs to loans | 0.1181% | 1,310 |
| Credit loss provision to net charge-offs | 236.1111% | 1,144 |
| Earnings coverage of net charge-offs (x) | 9.1248% | 2,595 |
| Efficiency ratio | 86.0332% | 499 |
| Assets per employee ($millions) | 3.0239% | 4,880 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3904% | 1,618 |
| Loan loss allowance to noncurrent loans | 46.2650% | 4,235 |
| Noncurrent assets plus other real estate owned to assets | 2.1711% | 374 |
| Noncurrent loans to loans | 3.0054% | 323 |
| Net loans and leases to total assets | 61.1410% | 3,576 |
| Net loans and leases to deposits | 66.0115% | 4,063 |
| Net loans and leases to core deposits | 66.5030% | 4,246 |
| Total domestic deposits to total assets | 92.6216% | 17 |
| Equity capital to assets | 6.4170% | 5,241 |
| Core capital (leverage) ratio | 6.5673% | 5,235 |
| Tier 1 risk-based capital ratio | 10.0460% | 5,183 |
| Total risk-based capital ratio | 11.2975% | 5,123 |
| Memoranda: | ||
| Average total assets | $124,558,750 | 3,670 |
| Average earning assets | $111,539,250 | 3,721 |
| Average equity | $7,761,750 | 4,591 |
| Average total loans | $81,295,500 | 3,619 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6318% | 2,573 |
| Cost of funding earning assets | 0.2110% | 5,048 |
| Net interest margin | 4.4209% | 907 |
| Noninterest income to average assets | 1.1341% | 657 |
| Noninterest expense to average assets | 4.3802% | 343 |
| Loan and lease loss provision to assets | 0.2184% | 761 |
| Net operating income to assets | 0.4970% | 4,529 |
| Return on assets (ROA) | 0.4970% | 4,566 |
| Pretax return on assets | 0.4970% | 4,706 |
| Return on Equity (ROE) | 8.0606% | 3,266 |
| Retained earnings to average equity (ytd only) | 8.0606% | 1,365 |
| Net charge-offs to loans | 0.0785% | 1,579 |
| Credit loss provision to net charge-offs | 418.7500% | 685 |
| Earnings coverage of net charge-offs (x) | 13.7188% | 2,079 |
| Efficiency ratio | 85.9610% | 553 |
| Assets per employee ($millions) | 2.9210% | 4,953 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4119% | 1,568 |
| Loan loss allowance to noncurrent loans | 43.9844% | 4,319 |
| Noncurrent assets plus other real estate owned to assets | 2.5557% | 286 |
| Noncurrent loans to loans | 3.2101% | 297 |
| Net loans and leases to total assets | 62.5956% | 3,485 |
| Net loans and leases to deposits | 67.5580% | 3,996 |
| Net loans and leases to core deposits | 68.0763% | 4,196 |
| Total domestic deposits to total assets | 92.6546% | 20 |
| Equity capital to assets | 6.4290% | 5,289 |
| Core capital (leverage) ratio | 6.5975% | 5,276 |
| Tier 1 risk-based capital ratio | 9.8714% | 5,243 |
| Total risk-based capital ratio | 11.1240% | 5,196 |
| Memoranda: | ||
| Average total assets | $122,735,330 | 3,711 |
| Average earning assets | $109,978,000 | 3,774 |
| Average equity | $7,567,670 | 4,640 |
| Average total loans | $81,520,000 | 3,631 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6917% | 2,255 |
| Cost of funding earning assets | 0.2024% | 5,113 |
| Net interest margin | 4.4893% | 759 |
| Noninterest income to average assets | 1.3817% | 448 |
| Noninterest expense to average assets | 4.3957% | 335 |
| Loan and lease loss provision to assets | 0.2737% | 498 |
| Net operating income to assets | 0.7354% | 3,821 |
| Return on assets (ROA) | 0.7354% | 3,875 |
| Pretax return on assets | 0.7354% | 4,205 |
| Return on Equity (ROE) | 12.1958% | 1,465 |
| Retained earnings to average equity (ytd only) | 12.1958% | 579 |
| Net charge-offs to loans | -0.0388% | 4,752 |
| Credit loss provision to net charge-offs | -1,037.5000% | 3,942 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.3301% | 940 |
| Assets per employee ($millions) | 2.9199% | 5,013 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3614% | 1,822 |
| Loan loss allowance to noncurrent loans | 43.9669% | 4,377 |
| Noncurrent assets plus other real estate owned to assets | 2.7195% | 255 |
| Noncurrent loans to loans | 3.0964% | 337 |
| Net loans and leases to total assets | 65.8752% | 3,074 |
| Net loans and leases to deposits | 71.8577% | 3,611 |
| Net loans and leases to core deposits | 72.2646% | 3,926 |
| Total domestic deposits to total assets | 91.6745% | 81 |
| Equity capital to assets | 6.1752% | 5,344 |
| Core capital (leverage) ratio | 6.6400% | 5,333 |
| Tier 1 risk-based capital ratio | 9.7386% | 5,313 |
| Total risk-based capital ratio | 10.9895% | 5,289 |
| Memoranda: | ||
| Average total assets | $121,301,500 | 3,783 |
| Average earning assets | $108,702,000 | 3,837 |
| Average equity | $7,314,000 | 4,711 |
| Average total loans | $82,406,000 | 3,645 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4679% | 2,554 |
| Cost of funding earning assets | 0.2396% | 4,855 |
| Net interest margin | 4.2283% | 1,332 |
| Noninterest income to average assets | 2.2146% | 235 |
| Noninterest expense to average assets | 4.5118% | 294 |
| Loan and lease loss provision to assets | 0.1094% | 2,010 |
| Net operating income to assets | 1.3548% | 1,597 |
| Return on assets (ROA) | 1.3548% | 1,587 |
| Pretax return on assets | 1.3548% | 2,299 |
| Return on Equity (ROE) | 27.5884% | 55 |
| Retained earnings to average equity (ytd only) | 27.5884% | 16 |
| Net charge-offs to loans | 0.2466% | 784 |
| Credit loss provision to net charge-offs | 68.0203% | 3,018 |
| Earnings coverage of net charge-offs (x) | 9.1015% | 2,837 |
| Efficiency ratio | 75.4988% | 1,429 |
| Assets per employee ($millions) | 2.7900% | 5,096 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2351% | 2,381 |
| Loan loss allowance to noncurrent loans | 29.3999% | 4,652 |
| Noncurrent assets plus other real estate owned to assets | 3.6226% | 140 |
| Noncurrent loans to loans | 4.2009% | 171 |
| Net loans and leases to total assets | 68.2574% | 2,845 |
| Net loans and leases to deposits | 73.2010% | 3,570 |
| Net loans and leases to core deposits | 73.6169% | 3,883 |
| Total domestic deposits to total assets | 93.2465% | 27 |
| Equity capital to assets | 5.8807% | 5,383 |
| Core capital (leverage) ratio | 6.2590% | 5,379 |
| Tier 1 risk-based capital ratio | 9.2733% | 5,375 |
| Total risk-based capital ratio | 10.4950% | 5,372 |
| Memoranda: | ||
| Average total assets | $122,457,800 | 3,752 |
| Average earning assets | $108,932,400 | 3,824 |
| Average equity | $6,013,400 | 4,897 |
| Average total loans | $79,883,200 | 3,670 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3782% | 2,698 |
| Cost of funding earning assets | 0.2512% | 4,777 |
| Net interest margin | 4.1271% | 1,553 |
| Noninterest income to average assets | 2.5749% | 199 |
| Noninterest expense to average assets | 4.4414% | 310 |
| Loan and lease loss provision to assets | 0.1083% | 1,851 |
| Net operating income to assets | 1.6921% | 762 |
| Return on assets (ROA) | 1.6921% | 761 |
| Pretax return on assets | 1.6921% | 1,297 |
| Return on Equity (ROE) | 36.2004% | 21 |
| Retained earnings to average equity (ytd only) | 36.2004% | 6 |
| Net charge-offs to loans | 0.0337% | 2,412 |
| Credit loss provision to net charge-offs | 500.0000% | 694 |
| Earnings coverage of net charge-offs (x) | 83.0874% | 864 |
| Efficiency ratio | 71.1558% | 2,011 |
| Assets per employee ($millions) | 2.8216% | 5,145 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4414% | 1,552 |
| Loan loss allowance to noncurrent loans | 32.4610% | 4,700 |
| Noncurrent assets plus other real estate owned to assets | 3.6158% | 154 |
| Noncurrent loans to loans | 4.4403% | 167 |
| Net loans and leases to total assets | 64.2207% | 3,398 |
| Net loans and leases to deposits | 70.3093% | 3,893 |
| Net loans and leases to core deposits | 70.7021% | 4,147 |
| Total domestic deposits to total assets | 91.3403% | 157 |
| Equity capital to assets | 5.3355% | 5,459 |
| Core capital (leverage) ratio | 6.2529% | 5,451 |
| Tier 1 risk-based capital ratio | 9.1022% | 5,453 |
| Total risk-based capital ratio | 10.3544% | 5,450 |
| Memoranda: | ||
| Average total assets | $123,080,250 | 3,783 |
| Average earning assets | $109,356,500 | 3,851 |
| Average equity | $5,753,000 | 4,993 |
| Average total loans | $79,126,250 | 3,711 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3598% | 2,545 |
| Cost of funding earning assets | 0.2704% | 4,633 |
| Net interest margin | 4.0893% | 1,593 |
| Noninterest income to average assets | 1.2223% | 645 |
| Noninterest expense to average assets | 4.4344% | 313 |
| Loan and lease loss provision to assets | 0.1076% | 1,827 |
| Net operating income to assets | 0.3276% | 5,084 |
| Return on assets (ROA) | 0.3276% | 5,079 |
| Pretax return on assets | 0.3276% | 5,135 |
| Return on Equity (ROE) | 7.3590% | 3,778 |
| Retained earnings to average equity (ytd only) | 7.3590% | 1,898 |
| Net charge-offs to loans | 0.0127% | 2,708 |
| Credit loss provision to net charge-offs | 1,320.0000% | 316 |
| Earnings coverage of net charge-offs (x) | 53.4000% | 1,077 |
| Efficiency ratio | 91.0643% | 335 |
| Assets per employee ($millions) | 2.9915% | 5,100 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3942% | 1,769 |
| Loan loss allowance to noncurrent loans | 57.9798% | 4,262 |
| Noncurrent assets plus other real estate owned to assets | 2.2413% | 425 |
| Noncurrent loans to loans | 2.4047% | 549 |
| Net loans and leases to total assets | 66.1957% | 3,117 |
| Net loans and leases to deposits | 72.3073% | 3,684 |
| Net loans and leases to core deposits | 72.7147% | 3,965 |
| Total domestic deposits to total assets | 91.5477% | 142 |
| Equity capital to assets | 4.3611% | 5,533 |
| Core capital (leverage) ratio | 5.1228% | 5,529 |
| Tier 1 risk-based capital ratio | 7.6309% | 5,524 |
| Total risk-based capital ratio | 8.8830% | 5,526 |
| Memoranda: | ||
| Average total assets | $122,723,670 | 3,813 |
| Average earning assets | $109,455,670 | 3,882 |
| Average equity | $5,462,670 | 5,086 |
| Average total loans | $78,536,330 | 3,736 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2918% | 2,553 |
| Cost of funding earning assets | 0.2559% | 4,676 |
| Net interest margin | 4.0359% | 1,608 |
| Noninterest income to average assets | 1.1404% | 715 |
| Noninterest expense to average assets | 3.9264% | 571 |
| Loan and lease loss provision to assets | 0.1075% | 1,736 |
| Net operating income to assets | 0.7038% | 4,086 |
| Return on assets (ROA) | 0.7038% | 4,093 |
| Pretax return on assets | 0.7038% | 4,433 |
| Return on Equity (ROE) | 15.6536% | 676 |
| Retained earnings to average equity (ytd only) | 15.6536% | 271 |
| Net charge-offs to loans | 0.0731% | 1,390 |
| Credit loss provision to net charge-offs | 235.7143% | 946 |
| Earnings coverage of net charge-offs (x) | 17.7857% | 1,563 |
| Efficiency ratio | 82.8748% | 870 |
| Assets per employee ($millions) | 3.2395% | 4,961 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4150% | 1,780 |
| Loan loss allowance to noncurrent loans | 61.9742% | 4,182 |
| Noncurrent assets plus other real estate owned to assets | 2.1616% | 493 |
| Noncurrent loans to loans | 2.2832% | 631 |
| Net loans and leases to total assets | 62.5384% | 3,482 |
| Net loans and leases to deposits | 68.9443% | 3,880 |
| Net loans and leases to core deposits | 69.1760% | 4,131 |
| Total domestic deposits to total assets | 90.7085% | 409 |
| Equity capital to assets | 4.4175% | 5,593 |
| Core capital (leverage) ratio | 5.1753% | 5,589 |
| Tier 1 risk-based capital ratio | 7.8883% | 5,588 |
| Total risk-based capital ratio | 9.1395% | 5,588 |
| Memoranda: | ||
| Average total assets | $122,759,000 | 3,854 |
| Average earning assets | $109,419,000 | 3,922 |
| Average equity | $5,519,500 | 5,133 |
| Average total loans | $76,635,000 | 3,817 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0645% | 3,191 |
| Cost of funding earning assets | 0.2599% | 4,480 |
| Net interest margin | 3.8046% | 2,413 |
| Noninterest income to average assets | 0.6979% | 1,976 |
| Noninterest expense to average assets | 3.9827% | 551 |
| Loan and lease loss provision to assets | 0.1100% | 2,049 |
| Net operating income to assets | -0.0442% | 5,393 |
| Return on assets (ROA) | -0.0442% | 5,396 |
| Pretax return on assets | -0.0442% | 5,456 |
| Return on Equity (ROE) | -0.9446% | 5,424 |
| Retained earnings to average equity (ytd only) | -0.9446% | 5,178 |
| Net charge-offs to loans | 0.1180% | 1,863 |
| Credit loss provision to net charge-offs | 155.6818% | 1,720 |
| Earnings coverage of net charge-offs (x) | 0.9318% | 3,945 |
| Efficiency ratio | 98.3733% | 195 |
| Assets per employee ($millions) | 3.2215% | 5,011 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4459% | 1,598 |
| Loan loss allowance to noncurrent loans | 58.4723% | 4,321 |
| Noncurrent assets plus other real estate owned to assets | 2.5650% | 355 |
| Noncurrent loans to loans | 2.4728% | 544 |
| Net loans and leases to total assets | 60.5248% | 3,781 |
| Net loans and leases to deposits | 66.8453% | 4,121 |
| Net loans and leases to core deposits | 67.2244% | 4,347 |
| Total domestic deposits to total assets | 90.5445% | 381 |
| Equity capital to assets | 4.5754% | 5,654 |
| Core capital (leverage) ratio | 4.9747% | 5,653 |
| Tier 1 risk-based capital ratio | 8.2213% | 5,648 |
| Total risk-based capital ratio | 9.4733% | 5,647 |
| Memoranda: | ||
| Average total assets | $124,512,600 | 3,829 |
| Average earning assets | $109,657,200 | 3,921 |
| Average equity | $5,822,400 | 5,127 |
| Average total loans | $74,595,000 | 3,856 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0121% | 3,313 |
| Cost of funding earning assets | 0.2599% | 4,481 |
| Net interest margin | 3.7522% | 2,572 |
| Noninterest income to average assets | 0.7155% | 1,933 |
| Noninterest expense to average assets | 3.8996% | 593 |
| Loan and lease loss provision to assets | 0.1088% | 1,956 |
| Net operating income to assets | 0.0011% | 5,512 |
| Return on assets (ROA) | 0.0011% | 5,518 |
| Pretax return on assets | 0.0011% | 5,510 |
| Return on Equity (ROE) | 0.0226% | 5,517 |
| Retained earnings to average equity (ytd only) | 0.0226% | 5,202 |
| Net charge-offs to loans | 0.1254% | 1,532 |
| Credit loss provision to net charge-offs | 145.7143% | 1,728 |
| Earnings coverage of net charge-offs (x) | 1.4714% | 3,570 |
| Efficiency ratio | 97.2606% | 220 |
| Assets per employee ($millions) | 3.1514% | 5,121 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4243% | 1,794 |
| Loan loss allowance to noncurrent loans | 56.8242% | 4,408 |
| Noncurrent assets plus other real estate owned to assets | 2.8075% | 341 |
| Noncurrent loans to loans | 2.5065% | 614 |
| Net loans and leases to total assets | 58.7485% | 3,987 |
| Net loans and leases to deposits | 64.9090% | 4,324 |
| Net loans and leases to core deposits | 65.2660% | 4,531 |
| Total domestic deposits to total assets | 90.5090% | 324 |
| Equity capital to assets | 4.6900% | 5,722 |
| Core capital (leverage) ratio | 4.9548% | 5,719 |
| Tier 1 risk-based capital ratio | 8.3612% | 5,711 |
| Total risk-based capital ratio | 9.6143% | 5,709 |
| Memoranda: | ||
| Average total assets | $125,036,750 | 3,860 |
| Average earning assets | $109,764,750 | 3,959 |
| Average equity | $5,877,750 | 5,174 |
| Average total loans | $74,449,000 | 3,891 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9711% | 3,312 |
| Cost of funding earning assets | 0.2590% | 4,469 |
| Net interest margin | 3.7121% | 2,615 |
| Noninterest income to average assets | 0.7506% | 1,769 |
| Noninterest expense to average assets | 3.9215% | 584 |
| Loan and lease loss provision to assets | 0.1091% | 1,870 |
| Net operating income to assets | -0.0385% | 5,569 |
| Return on assets (ROA) | -0.0385% | 5,571 |
| Pretax return on assets | -0.0385% | 5,564 |
| Return on Equity (ROE) | -0.8182% | 5,586 |
| Retained earnings to average equity (ytd only) | -0.8182% | 5,211 |
| Net charge-offs to loans | 0.1132% | 1,501 |
| Credit loss provision to net charge-offs | 161.9048% | 1,453 |
| Earnings coverage of net charge-offs (x) | 1.0476% | 3,324 |
| Efficiency ratio | 98.2322% | 215 |
| Assets per employee ($millions) | 3.2369% | 5,050 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4406% | 1,779 |
| Loan loss allowance to noncurrent loans | 48.0343% | 4,630 |
| Noncurrent assets plus other real estate owned to assets | 3.3587% | 249 |
| Noncurrent loans to loans | 2.9991% | 432 |
| Net loans and leases to total assets | 57.6089% | 4,073 |
| Net loans and leases to deposits | 63.6462% | 4,393 |
| Net loans and leases to core deposits | 64.1413% | 4,594 |
| Total domestic deposits to total assets | 90.5142% | 353 |
| Equity capital to assets | 4.7425% | 5,771 |
| Core capital (leverage) ratio | 4.9531% | 5,769 |
| Tier 1 risk-based capital ratio | 8.4281% | 5,760 |
| Total risk-based capital ratio | 9.6801% | 5,757 |
| Memoranda: | ||
| Average total assets | $124,697,000 | 3,885 |
| Average earning assets | $108,887,330 | 3,996 |
| Average equity | $5,866,330 | 5,210 |
| Average total loans | $74,223,330 | 3,916 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9173% | 3,337 |
| Cost of funding earning assets | 0.2713% | 4,344 |
| Net interest margin | 3.6460% | 2,711 |
| Noninterest income to average assets | 0.9231% | 1,179 |
| Noninterest expense to average assets | 3.7700% | 703 |
| Loan and lease loss provision to assets | 0.1097% | 1,746 |
| Net operating income to assets | 0.2098% | 5,381 |
| Return on assets (ROA) | 0.2098% | 5,392 |
| Pretax return on assets | 0.2098% | 5,425 |
| Return on Equity (ROE) | 4.4781% | 4,608 |
| Retained earnings to average equity (ytd only) | 4.4781% | 3,181 |
| Net charge-offs to loans | 0.2149% | 824 |
| Credit loss provision to net charge-offs | 85.0000% | 1,724 |
| Earnings coverage of net charge-offs (x) | 2.4750% | 2,585 |
| Efficiency ratio | 92.1863% | 444 |
| Assets per employee ($millions) | 3.1046% | 5,266 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3896% | 2,113 |
| Loan loss allowance to noncurrent loans | 34.7841% | 4,954 |
| Noncurrent assets plus other real estate owned to assets | 4.5546% | 142 |
| Noncurrent loans to loans | 3.9949% | 258 |
| Net loans and leases to total assets | 58.9163% | 3,891 |
| Net loans and leases to deposits | 65.1203% | 4,242 |
| Net loans and leases to core deposits | 65.6350% | 4,449 |
| Total domestic deposits to total assets | 90.4729% | 484 |
| Equity capital to assets | 4.7188% | 5,833 |
| Core capital (leverage) ratio | 5.0506% | 5,831 |
| Tier 1 risk-based capital ratio | 8.6236% | 5,822 |
| Total risk-based capital ratio | 9.8755% | 5,820 |
| Memoranda: | ||
| Average total assets | $123,925,000 | 3,932 |
| Average earning assets | $107,624,500 | 4,054 |
| Average equity | $5,806,000 | 5,266 |
| Average total loans | $74,440,500 | 3,937 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9857% | 3,244 |
| Cost of funding earning assets | 0.3292% | 3,759 |
| Net interest margin | 3.6565% | 2,868 |
| Noninterest income to average assets | 0.5845% | 2,741 |
| Noninterest expense to average assets | 5.5509% | 204 |
| Loan and lease loss provision to assets | 0.4577% | 309 |
| Net operating income to assets | -2.2741% | 5,884 |
| Return on assets (ROA) | -2.2741% | 5,884 |
| Pretax return on assets | -2.2741% | 5,881 |
| Return on Equity (ROE) | -38.5211% | 5,898 |
| Retained earnings to average equity (ytd only) | -38.5211% | 5,893 |
| Net charge-offs to loans | 0.5224% | 461 |
| Credit loss provision to net charge-offs | 145.9799% | 1,873 |
| Earnings coverage of net charge-offs (x) | -5.7940% | 4,226 |
| Efficiency ratio | 148.6395% | 33 |
| Assets per employee ($millions) | 3.0917% | 5,277 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3898% | 2,122 |
| Loan loss allowance to noncurrent loans | 36.0792% | 4,986 |
| Noncurrent assets plus other real estate owned to assets | 4.6083% | 147 |
| Noncurrent loans to loans | 3.8521% | 285 |
| Net loans and leases to total assets | 59.5535% | 3,898 |
| Net loans and leases to deposits | 65.7865% | 4,260 |
| Net loans and leases to core deposits | 66.4579% | 4,499 |
| Total domestic deposits to total assets | 90.5254% | 443 |
| Equity capital to assets | 4.6512% | 5,883 |
| Core capital (leverage) ratio | 4.8596% | 5,882 |
| Tier 1 risk-based capital ratio | 8.5125% | 5,869 |
| Total risk-based capital ratio | 9.7654% | 5,868 |
| Memoranda: | ||
| Average total assets | $126,952,200 | 3,881 |
| Average earning assets | $109,365,800 | 4,017 |
| Average equity | $7,494,600 | 5,007 |
| Average total loans | $76,188,800 | 3,896 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9970% | 3,239 |
| Cost of funding earning assets | 0.3415% | 3,639 |
| Net interest margin | 3.6556% | 2,868 |
| Noninterest income to average assets | 0.5019% | 3,233 |
| Noninterest expense to average assets | 5.9761% | 171 |
| Loan and lease loss provision to assets | 0.5186% | 234 |
| Net operating income to assets | -2.8425% | 5,961 |
| Return on assets (ROA) | -2.8425% | 5,961 |
| Pretax return on assets | -2.8425% | 5,963 |
| Return on Equity (ROE) | -45.7982% | 5,970 |
| Retained earnings to average equity (ytd only) | -45.7982% | 5,963 |
| Net charge-offs to loans | 0.5189% | 406 |
| Credit loss provision to net charge-offs | 166.7785% | 1,653 |
| Earnings coverage of net charge-offs (x) | -7.4732% | 3,911 |
| Efficiency ratio | 163.6286% | 28 |
| Assets per employee ($millions) | 3.1000% | 5,293 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3910% | 2,240 |
| Loan loss allowance to noncurrent loans | 27.0951% | 5,230 |
| Noncurrent assets plus other real estate owned to assets | 5.1991% | 135 |
| Noncurrent loans to loans | 5.1336% | 159 |
| Net loans and leases to total assets | 58.7901% | 4,016 |
| Net loans and leases to deposits | 65.1754% | 4,411 |
| Net loans and leases to core deposits | 66.0015% | 4,605 |
| Total domestic deposits to total assets | 90.2028% | 404 |
| Equity capital to assets | 4.9969% | 5,949 |
| Core capital (leverage) ratio | 4.9392% | 5,948 |
| Tier 1 risk-based capital ratio | 8.8235% | 5,927 |
| Total risk-based capital ratio | 10.0761% | 5,926 |
| Memoranda: | ||
| Average total assets | $127,773,500 | 3,891 |
| Average earning assets | $110,112,250 | 4,024 |
| Average equity | $7,930,250 | 4,996 |
| Average total loans | $76,564,500 | 3,917 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0742% | 2,980 |
| Cost of funding earning assets | 0.3637% | 3,417 |
| Net interest margin | 3.7105% | 2,651 |
| Noninterest income to average assets | 0.2938% | 4,678 |
| Noninterest expense to average assets | 4.5516% | 369 |
| Loan and lease loss provision to assets | 0.7031% | 158 |
| Net operating income to assets | -1.7891% | 6,010 |
| Return on assets (ROA) | -1.7891% | 6,009 |
| Pretax return on assets | -1.7891% | 6,007 |
| Return on Equity (ROE) | -27.0792% | 6,022 |
| Retained earnings to average equity (ytd only) | -27.0792% | 5,997 |
| Net charge-offs to loans | 0.4816% | 458 |
| Credit loss provision to net charge-offs | 243.2432% | 1,123 |
| Earnings coverage of net charge-offs (x) | -3.7568% | 3,622 |
| Efficiency ratio | 131.3345% | 64 |
| Assets per employee ($millions) | 3.0001% | 5,437 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4575% | 2,039 |
| Loan loss allowance to noncurrent loans | 27.6954% | 5,316 |
| Noncurrent assets plus other real estate owned to assets | 5.7054% | 113 |
| Noncurrent loans to loans | 5.2625% | 158 |
| Net loans and leases to total assets | 60.0978% | 3,872 |
| Net loans and leases to deposits | 67.6714% | 4,211 |
| Net loans and leases to core deposits | 68.2404% | 4,456 |
| Total domestic deposits to total assets | 88.8082% | 1,007 |
| Equity capital to assets | 6.3562% | 5,997 |
| Core capital (leverage) ratio | 6.2737% | 5,992 |
| Tier 1 risk-based capital ratio | 9.7515% | 5,906 |
| Total risk-based capital ratio | 11.0050% | 5,875 |
| Memoranda: | ||
| Average total assets | $127,998,670 | 3,917 |
| Average earning assets | $109,419,670 | 4,067 |
| Average equity | $8,456,670 | 4,931 |
| Average total loans | $76,827,670 | 3,927 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8380% | 3,815 |
| Cost of funding earning assets | 0.4084% | 2,982 |
| Net interest margin | 3.4297% | 3,765 |
| Noninterest income to average assets | 1.0962% | 902 |
| Noninterest expense to average assets | 4.8988% | 288 |
| Loan and lease loss provision to assets | 0.1424% | 1,479 |
| Net operating income to assets | -1.0064% | 6,028 |
| Return on assets (ROA) | -1.0064% | 6,030 |
| Pretax return on assets | -1.0064% | 6,020 |
| Return on Equity (ROE) | -14.6735% | 6,048 |
| Retained earnings to average equity (ytd only) | -14.6735% | 5,900 |
| Net charge-offs to loans | 0.3333% | 667 |
| Credit loss provision to net charge-offs | 71.8750% | 1,894 |
| Earnings coverage of net charge-offs (x) | -4.3594% | 3,040 |
| Efficiency ratio | 121.4121% | 98 |
| Assets per employee ($millions) | 3.1791% | 5,305 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0943% | 4,086 |
| Loan loss allowance to noncurrent loans | 12.9888% | 5,499 |
| Noncurrent assets plus other real estate owned to assets | 8.0447% | 70 |
| Noncurrent loans to loans | 8.4252% | 62 |
| Net loans and leases to total assets | 59.4885% | 3,849 |
| Net loans and leases to deposits | 67.2594% | 4,129 |
| Net loans and leases to core deposits | 67.8214% | 4,419 |
| Total domestic deposits to total assets | 88.4464% | 1,378 |
| Equity capital to assets | 6.8848% | 6,018 |
| Core capital (leverage) ratio | 6.7299% | 6,017 |
| Tier 1 risk-based capital ratio | 10.6217% | 5,699 |
| Total risk-based capital ratio | 11.6399% | 5,715 |
| Memoranda: | ||
| Average total assets | $129,175,500 | 3,925 |
| Average earning assets | $110,681,500 | 4,080 |
| Average equity | $8,859,500 | 4,897 |
| Average total loans | $76,819,000 | 3,946 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6066% | 4,654 |
| Cost of funding earning assets | 0.4879% | 2,284 |
| Net interest margin | 3.1187% | 4,856 |
| Noninterest income to average assets | 0.3759% | 4,220 |
| Noninterest expense to average assets | 3.8321% | 831 |
| Loan and lease loss provision to assets | 0.1047% | 2,238 |
| Net operating income to assets | -0.8832% | 6,095 |
| Return on assets (ROA) | -0.8832% | 6,099 |
| Pretax return on assets | -0.8832% | 6,091 |
| Return on Equity (ROE) | -12.4806% | 6,116 |
| Retained earnings to average equity (ytd only) | -12.4806% | 6,069 |
| Net charge-offs to loans | -0.1505% | 5,895 |
| Credit loss provision to net charge-offs | -127.0270% | 5,198 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 125.4926% | 82 |
| Assets per employee ($millions) | 2.6773% | 5,785 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1082% | 4,004 |
| Loan loss allowance to noncurrent loans | 11.0138% | 5,549 |
| Noncurrent assets plus other real estate owned to assets | 8.8324% | 68 |
| Noncurrent loans to loans | 10.0618% | 42 |
| Net loans and leases to total assets | 58.1597% | 4,064 |
| Net loans and leases to deposits | 68.5461% | 4,078 |
| Net loans and leases to core deposits | 69.2837% | 4,353 |
| Total domestic deposits to total assets | 84.8476% | 3,154 |
| Equity capital to assets | 6.8330% | 6,072 |
| Core capital (leverage) ratio | 6.7446% | 6,072 |
| Tier 1 risk-based capital ratio | 10.7338% | 5,652 |
| Total risk-based capital ratio | 11.7471% | 5,697 |
| Memoranda: | ||
| Average total assets | $134,626,600 | 3,807 |
| Average earning assets | $115,592,400 | 3,969 |
| Average equity | $9,526,800 | 4,743 |
| Average total loans | $73,761,800 | 4,003 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4664% | 5,060 |
| Cost of funding earning assets | 0.4952% | 2,258 |
| Net interest margin | 2.9712% | 5,269 |
| Noninterest income to average assets | 0.3759% | 4,245 |
| Noninterest expense to average assets | 3.8320% | 821 |
| Loan and lease loss provision to assets | 0.1210% | 1,880 |
| Net operating income to assets | -1.0264% | 6,193 |
| Return on assets (ROA) | -1.0264% | 6,191 |
| Pretax return on assets | -1.0264% | 6,189 |
| Return on Equity (ROE) | -14.3846% | 6,209 |
| Retained earnings to average equity (ytd only) | -14.3846% | 6,174 |
| Net charge-offs to loans | -0.0567% | 5,584 |
| Credit loss provision to net charge-offs | -396.7742% | 5,320 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 130.9348% | 71 |
| Assets per employee ($millions) | 2.8240% | 5,738 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9933% | 4,784 |
| Loan loss allowance to noncurrent loans | 8.0661% | 5,654 |
| Noncurrent assets plus other real estate owned to assets | 9.7631% | 60 |
| Noncurrent loans to loans | 12.3150% | 28 |
| Net loans and leases to total assets | 55.6624% | 4,396 |
| Net loans and leases to deposits | 65.4888% | 4,431 |
| Net loans and leases to core deposits | 66.1683% | 4,675 |
| Total domestic deposits to total assets | 84.9953% | 3,008 |
| Equity capital to assets | 6.7701% | 6,167 |
| Core capital (leverage) ratio | 6.7642% | 6,154 |
| Tier 1 risk-based capital ratio | 10.7792% | 5,763 |
| Total risk-based capital ratio | 11.3567% | 5,961 |
| Memoranda: | ||
| Average total assets | $135,486,500 | 3,835 |
| Average earning assets | $116,313,250 | 3,999 |
| Average equity | $9,667,500 | 4,777 |
| Average total loans | $72,914,000 | 4,060 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4280% | 5,167 |
| Cost of funding earning assets | 0.5010% | 2,245 |
| Net interest margin | 2.9270% | 5,394 |
| Noninterest income to average assets | 0.0620% | 6,135 |
| Noninterest expense to average assets | 3.7766% | 896 |
| Loan and lease loss provision to assets | 0.1107% | 1,984 |
| Net operating income to assets | -1.3066% | 6,280 |
| Return on assets (ROA) | -1.3066% | 6,280 |
| Pretax return on assets | -1.3066% | 6,274 |
| Return on Equity (ROE) | -18.0043% | 6,291 |
| Retained earnings to average equity (ytd only) | -18.0043% | 6,255 |
| Net charge-offs to loans | -0.1392% | 5,908 |
| Credit loss provision to net charge-offs | -150.0000% | 4,968 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 146.3387% | 46 |
| Assets per employee ($millions) | 2.8105% | 5,805 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9860% | 4,936 |
| Loan loss allowance to noncurrent loans | 8.8640% | 5,753 |
| Noncurrent assets plus other real estate owned to assets | 9.0730% | 73 |
| Noncurrent loans to loans | 11.1242% | 41 |
| Net loans and leases to total assets | 54.1874% | 4,532 |
| Net loans and leases to deposits | 63.8401% | 4,553 |
| Net loans and leases to core deposits | 64.5162% | 4,774 |
| Total domestic deposits to total assets | 84.8798% | 3,178 |
| Equity capital to assets | 6.8929% | 6,207 |
| Core capital (leverage) ratio | 6.8777% | 6,206 |
| Tier 1 risk-based capital ratio | 11.5408% | 5,436 |
| Total risk-based capital ratio | 12.1128% | 5,701 |
| Memoranda: | ||
| Average total assets | $135,465,000 | 3,870 |
| Average earning assets | $116,569,670 | 4,024 |
| Average equity | $9,831,000 | 4,776 |
| Average total loans | $71,816,000 | 4,115 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4312% | 5,139 |
| Cost of funding earning assets | 0.5049% | 2,242 |
| Net interest margin | 2.9263% | 5,392 |
| Noninterest income to average assets | 0.8958% | 1,397 |
| Noninterest expense to average assets | 3.7276% | 968 |
| Loan and lease loss provision to assets | 0.0796% | 2,367 |
| Net operating income to assets | -0.4008% | 6,217 |
| Return on assets (ROA) | -0.4008% | 6,234 |
| Pretax return on assets | -0.4008% | 6,220 |
| Return on Equity (ROE) | -5.3877% | 6,265 |
| Retained earnings to average equity (ytd only) | -5.3877% | 5,960 |
| Net charge-offs to loans | -0.3785% | 6,195 |
| Credit loss provision to net charge-offs | -40.2985% | 4,381 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 109.4291% | 200 |
| Assets per employee ($millions) | 2.7865% | 5,901 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9566% | 5,222 |
| Loan loss allowance to noncurrent loans | 8.8699% | 5,802 |
| Noncurrent assets plus other real estate owned to assets | 9.3365% | 74 |
| Noncurrent loans to loans | 10.7843% | 49 |
| Net loans and leases to total assets | 52.8548% | 4,569 |
| Net loans and leases to deposits | 62.5048% | 4,524 |
| Net loans and leases to core deposits | 63.0222% | 4,777 |
| Total domestic deposits to total assets | 84.5613% | 3,597 |
| Equity capital to assets | 7.4081% | 6,202 |
| Core capital (leverage) ratio | 7.4845% | 6,144 |
| Tier 1 risk-based capital ratio | 12.1919% | 5,119 |
| Total risk-based capital ratio | 12.7104% | 5,491 |
| Memoranda: | ||
| Average total assets | $135,744,500 | 3,883 |
| Average earning assets | $116,460,000 | 4,055 |
| Average equity | $10,097,000 | 4,762 |
| Average total loans | $70,809,000 | 4,164 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5225% | 5,269 |
| Cost of funding earning assets | 0.5385% | 2,304 |
| Net interest margin | 2.9840% | 5,477 |
| Noninterest income to average assets | 1.0133% | 1,186 |
| Noninterest expense to average assets | 4.1749% | 616 |
| Loan and lease loss provision to assets | 0.1467% | 1,800 |
| Net operating income to assets | -0.7312% | 6,339 |
| Return on assets (ROA) | -0.7312% | 6,334 |
| Pretax return on assets | -0.7312% | 6,323 |
| Return on Equity (ROE) | -9.4255% | 6,353 |
| Retained earnings to average equity (ytd only) | -9.4255% | 6,299 |
| Net charge-offs to loans | 0.8184% | 425 |
| Credit loss provision to net charge-offs | 32.4415% | 3,802 |
| Earnings coverage of net charge-offs (x) | -1.2926% | 4,811 |
| Efficiency ratio | 116.2805% | 148 |
| Assets per employee ($millions) | 2.6461% | 6,070 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8771% | 5,542 |
| Loan loss allowance to noncurrent loans | 7.4527% | 5,925 |
| Noncurrent assets plus other real estate owned to assets | 10.1031% | 86 |
| Noncurrent loans to loans | 11.7682% | 50 |
| Net loans and leases to total assets | 50.5006% | 4,918 |
| Net loans and leases to deposits | 59.7996% | 4,919 |
| Net loans and leases to core deposits | 60.3007% | 5,119 |
| Total domestic deposits to total assets | 84.4497% | 3,532 |
| Equity capital to assets | 7.4687% | 6,241 |
| Core capital (leverage) ratio | 7.5192% | 6,196 |
| Tier 1 risk-based capital ratio | 13.3760% | 4,479 |
| Total risk-based capital ratio | 13.8642% | 4,883 |
| Memoranda: | ||
| Average total assets | $132,242,400 | 3,936 |
| Average earning assets | $114,209,200 | 4,089 |
| Average equity | $10,259,400 | 4,696 |
| Average total loans | $73,071,000 | 4,094 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5392% | 5,297 |
| Cost of funding earning assets | 0.5434% | 2,345 |
| Net interest margin | 2.9958% | 5,515 |
| Noninterest income to average assets | 1.1431% | 917 |
| Noninterest expense to average assets | 4.1661% | 634 |
| Loan and lease loss provision to assets | 0.1966% | 1,222 |
| Net operating income to assets | -0.6273% | 6,398 |
| Return on assets (ROA) | -0.6273% | 6,402 |
| Pretax return on assets | -0.6273% | 6,390 |
| Return on Equity (ROE) | -8.0092% | 6,420 |
| Retained earnings to average equity (ytd only) | -8.0092% | 6,344 |
| Net charge-offs to loans | 1.0519% | 284 |
| Credit loss provision to net charge-offs | 33.1624% | 3,410 |
| Earnings coverage of net charge-offs (x) | -0.7265% | 4,517 |
| Efficiency ratio | 111.5301% | 205 |
| Assets per employee ($millions) | 2.7136% | 6,070 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8954% | 5,615 |
| Loan loss allowance to noncurrent loans | 7.6484% | 6,031 |
| Noncurrent assets plus other real estate owned to assets | 10.2094% | 87 |
| Noncurrent loans to loans | 11.7067% | 55 |
| Net loans and leases to total assets | 51.2778% | 4,874 |
| Net loans and leases to deposits | 61.1311% | 4,833 |
| Net loans and leases to core deposits | 61.7938% | 5,050 |
| Total domestic deposits to total assets | 83.8816% | 3,805 |
| Equity capital to assets | 7.7862% | 6,218 |
| Core capital (leverage) ratio | 7.8958% | 6,135 |
| Tier 1 risk-based capital ratio | 13.8094% | 4,353 |
| Total risk-based capital ratio | 14.3125% | 4,754 |
| Memoranda: | ||
| Average total assets | $131,565,750 | 3,976 |
| Average earning assets | $113,846,750 | 4,132 |
| Average equity | $10,304,500 | 4,728 |
| Average total loans | $74,150,500 | 4,083 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5491% | 5,294 |
| Cost of funding earning assets | 0.5398% | 2,437 |
| Net interest margin | 3.0093% | 5,492 |
| Noninterest income to average assets | 1.2205% | 786 |
| Noninterest expense to average assets | 4.1251% | 656 |
| Loan and lease loss provision to assets | 0.2639% | 792 |
| Net operating income to assets | -0.5492% | 6,446 |
| Return on assets (ROA) | -0.5492% | 6,450 |
| Pretax return on assets | -0.5492% | 6,436 |
| Return on Equity (ROE) | -6.9982% | 6,481 |
| Retained earnings to average equity (ytd only) | -6.9982% | 6,344 |
| Net charge-offs to loans | 0.9877% | 359 |
| Credit loss provision to net charge-offs | 46.1333% | 2,849 |
| Earnings coverage of net charge-offs (x) | -0.4987% | 4,177 |
| Efficiency ratio | 107.4295% | 266 |
| Assets per employee ($millions) | 2.5698% | 6,238 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0955% | 4,934 |
| Loan loss allowance to noncurrent loans | 8.8335% | 6,089 |
| Noncurrent assets plus other real estate owned to assets | 10.5553% | 93 |
| Noncurrent loans to loans | 12.4018% | 44 |
| Net loans and leases to total assets | 54.3860% | 4,492 |
| Net loans and leases to deposits | 64.8904% | 4,387 |
| Net loans and leases to core deposits | 65.5926% | 4,677 |
| Total domestic deposits to total assets | 83.8120% | 3,992 |
| Equity capital to assets | 7.9750% | 6,169 |
| Core capital (leverage) ratio | 8.2147% | 5,915 |
| Tier 1 risk-based capital ratio | 13.3670% | 4,671 |
| Total risk-based capital ratio | 14.0739% | 4,959 |
| Memoranda: | ||
| Average total assets | $131,099,000 | 4,012 |
| Average earning assets | $114,114,000 | 4,145 |
| Average equity | $10,288,330 | 4,745 |
| Average total loans | $75,934,670 | 4,045 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5818% | 5,225 |
| Cost of funding earning assets | 0.5237% | 2,670 |
| Net interest margin | 3.0580% | 5,369 |
| Noninterest income to average assets | 1.0259% | 1,070 |
| Noninterest expense to average assets | 4.5566% | 430 |
| Loan and lease loss provision to assets | 0.3481% | 511 |
| Net operating income to assets | -1.1985% | 6,603 |
| Return on assets (ROA) | -1.1985% | 6,599 |
| Pretax return on assets | -1.1985% | 6,588 |
| Return on Equity (ROE) | -15.3998% | 6,605 |
| Retained earnings to average equity (ytd only) | -15.3998% | 6,474 |
| Net charge-offs to loans | 1.4567% | 221 |
| Credit loss provision to net charge-offs | 40.2135% | 2,297 |
| Earnings coverage of net charge-offs (x) | -0.9822% | 3,513 |
| Efficiency ratio | 122.9426% | 157 |
| Assets per employee ($millions) | 2.5860% | 6,304 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0897% | 5,158 |
| Loan loss allowance to noncurrent loans | 9.4312% | 6,174 |
| Noncurrent assets plus other real estate owned to assets | 9.0375% | 133 |
| Noncurrent loans to loans | 11.5538% | 71 |
| Net loans and leases to total assets | 57.7454% | 3,889 |
| Net loans and leases to deposits | 68.8823% | 3,754 |
| Net loans and leases to core deposits | 69.6643% | 4,133 |
| Total domestic deposits to total assets | 83.8320% | 4,332 |
| Equity capital to assets | 7.9623% | 6,085 |
| Core capital (leverage) ratio | 8.4118% | 5,735 |
| Tier 1 risk-based capital ratio | 13.1203% | 4,942 |
| Total risk-based capital ratio | 13.8779% | 5,170 |
| Memoranda: | ||
| Average total assets | $129,833,500 | 4,071 |
| Average earning assets | $113,798,500 | 4,182 |
| Average equity | $10,104,000 | 4,794 |
| Average total loans | $77,161,500 | 4,024 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7828% | 4,873 |
| Cost of funding earning assets | 0.6107% | 2,565 |
| Net interest margin | 3.1721% | 5,085 |
| Noninterest income to average assets | 1.1067% | 1,145 |
| Noninterest expense to average assets | 3.9456% | 922 |
| Loan and lease loss provision to assets | 0.1451% | 2,485 |
| Net operating income to assets | -0.1993% | 6,364 |
| Return on assets (ROA) | -0.1993% | 6,374 |
| Pretax return on assets | -0.1993% | 6,351 |
| Return on Equity (ROE) | -2.5805% | 6,406 |
| Retained earnings to average equity (ytd only) | -2.5805% | 6,229 |
| Net charge-offs to loans | 0.1481% | 3,324 |
| Credit loss provision to net charge-offs | 171.1712% | 1,337 |
| Earnings coverage of net charge-offs (x) | -0.6396% | 5,223 |
| Efficiency ratio | 101.3935% | 439 |
| Assets per employee ($millions) | 2.7779% | 6,138 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3023% | 4,134 |
| Loan loss allowance to noncurrent loans | 9.9163% | 6,275 |
| Noncurrent assets plus other real estate owned to assets | 10.0052% | 128 |
| Noncurrent loans to loans | 13.1325% | 55 |
| Net loans and leases to total assets | 59.7263% | 3,765 |
| Net loans and leases to deposits | 71.0767% | 3,647 |
| Net loans and leases to core deposits | 71.9098% | 4,083 |
| Total domestic deposits to total assets | 84.0307% | 4,161 |
| Equity capital to assets | 7.5965% | 6,234 |
| Core capital (leverage) ratio | 7.8991% | 6,204 |
| Tier 1 risk-based capital ratio | 12.4936% | 5,295 |
| Total risk-based capital ratio | 13.4848% | 5,397 |
| Memoranda: | ||
| Average total assets | $130,929,800 | 4,051 |
| Average earning assets | $114,941,000 | 4,166 |
| Average equity | $10,114,200 | 4,818 |
| Average total loans | $74,929,400 | 4,097 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7580% | 5,005 |
| Cost of funding earning assets | 0.6231% | 2,622 |
| Net interest margin | 3.1349% | 5,214 |
| Noninterest income to average assets | 1.0791% | 1,258 |
| Noninterest expense to average assets | 3.8810% | 989 |
| Loan and lease loss provision to assets | 0.1792% | 2,031 |
| Net operating income to assets | -0.2308% | 6,484 |
| Return on assets (ROA) | -0.2308% | 6,499 |
| Pretax return on assets | -0.2308% | 6,480 |
| Return on Equity (ROE) | -2.9756% | 6,520 |
| Retained earnings to average equity (ytd only) | -2.9756% | 6,351 |
| Net charge-offs to loans | 0.1112% | 3,429 |
| Credit loss provision to net charge-offs | 285.4839% | 890 |
| Earnings coverage of net charge-offs (x) | -0.8226% | 4,993 |
| Efficiency ratio | 101.3481% | 421 |
| Assets per employee ($millions) | 2.8276% | 6,110 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3586% | 4,089 |
| Loan loss allowance to noncurrent loans | 11.0500% | 6,353 |
| Noncurrent assets plus other real estate owned to assets | 9.4973% | 154 |
| Noncurrent loans to loans | 12.2952% | 73 |
| Net loans and leases to total assets | 58.2764% | 3,966 |
| Net loans and leases to deposits | 69.2646% | 3,894 |
| Net loans and leases to core deposits | 70.0636% | 4,317 |
| Total domestic deposits to total assets | 84.1360% | 4,134 |
| Equity capital to assets | 7.5899% | 6,360 |
| Core capital (leverage) ratio | 7.8879% | 6,285 |
| Tier 1 risk-based capital ratio | 12.5996% | 5,388 |
| Total risk-based capital ratio | 13.5936% | 5,485 |
| Memoranda: | ||
| Average total assets | $131,716,500 | 4,075 |
| Average earning assets | $115,556,250 | 4,189 |
| Average equity | $10,216,000 | 4,844 |
| Average total loans | $74,330,000 | 4,137 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7112% | 5,113 |
| Cost of funding earning assets | 0.6372% | 2,615 |
| Net interest margin | 3.0740% | 5,353 |
| Noninterest income to average assets | 1.1144% | 1,223 |
| Noninterest expense to average assets | 3.7334% | 1,195 |
| Loan and lease loss provision to assets | 0.1996% | 1,903 |
| Net operating income to assets | -0.1270% | 6,434 |
| Return on assets (ROA) | -0.1270% | 6,479 |
| Pretax return on assets | -0.1270% | 6,449 |
| Return on Equity (ROE) | -1.6262% | 6,505 |
| Retained earnings to average equity (ytd only) | -1.6262% | 6,146 |
| Net charge-offs to loans | 0.1034% | 3,326 |
| Credit loss provision to net charge-offs | 347.3684% | 754 |
| Earnings coverage of net charge-offs (x) | 1.2632% | 4,122 |
| Efficiency ratio | 98.0930% | 561 |
| Assets per employee ($millions) | 2.8280% | 6,122 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3851% | 4,109 |
| Loan loss allowance to noncurrent loans | 10.3742% | 6,418 |
| Noncurrent assets plus other real estate owned to assets | 9.8573% | 152 |
| Noncurrent loans to loans | 13.3509% | 72 |
| Net loans and leases to total assets | 55.9914% | 4,292 |
| Net loans and leases to deposits | 66.6225% | 4,193 |
| Net loans and leases to core deposits | 67.5774% | 4,545 |
| Total domestic deposits to total assets | 84.0429% | 4,296 |
| Equity capital to assets | 7.7095% | 6,360 |
| Core capital (leverage) ratio | 7.8324% | 6,285 |
| Tier 1 risk-based capital ratio | 13.0373% | 5,112 |
| Total risk-based capital ratio | 14.0352% | 5,237 |
| Memoranda: | ||
| Average total assets | $132,266,000 | 4,096 |
| Average earning assets | $115,811,670 | 4,205 |
| Average equity | $10,330,670 | 4,864 |
| Average total loans | $73,492,330 | 4,193 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7204% | 5,093 |
| Cost of funding earning assets | 0.6727% | 2,462 |
| Net interest margin | 3.0477% | 5,444 |
| Noninterest income to average assets | 1.2178% | 1,022 |
| Noninterest expense to average assets | 3.9713% | 919 |
| Loan and lease loss provision to assets | 0.1500% | 2,371 |
| Net operating income to assets | -0.2400% | 6,538 |
| Return on assets (ROA) | -0.2400% | 6,573 |
| Pretax return on assets | -0.2400% | 6,562 |
| Return on Equity (ROE) | -3.0530% | 6,616 |
| Retained earnings to average equity (ytd only) | -3.0530% | 6,198 |
| Net charge-offs to loans | 0.1910% | 2,269 |
| Credit loss provision to net charge-offs | 142.8571% | 1,413 |
| Earnings coverage of net charge-offs (x) | -0.8571% | 3,954 |
| Efficiency ratio | 102.3184% | 476 |
| Assets per employee ($millions) | 2.9144% | 6,128 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2813% | 4,790 |
| Loan loss allowance to noncurrent loans | 8.4158% | 6,500 |
| Noncurrent assets plus other real estate owned to assets | 10.8615% | 160 |
| Noncurrent loans to loans | 15.2252% | 72 |
| Net loans and leases to total assets | 54.2514% | 4,363 |
| Net loans and leases to deposits | 64.3828% | 4,271 |
| Net loans and leases to core deposits | 65.2773% | 4,618 |
| Total domestic deposits to total assets | 84.2639% | 4,367 |
| Equity capital to assets | 7.7785% | 6,482 |
| Core capital (leverage) ratio | 7.7487% | 6,328 |
| Tier 1 risk-based capital ratio | 12.9980% | 5,220 |
| Total risk-based capital ratio | 13.9474% | 5,385 |
| Memoranda: | ||
| Average total assets | $133,356,000 | 4,116 |
| Average earning assets | $116,547,000 | 4,229 |
| Average equity | $10,481,500 | 4,890 |
| Average total loans | $73,308,500 | 4,226 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0063% | 5,278 |
| Cost of funding earning assets | 0.8215% | 2,495 |
| Net interest margin | 3.1847% | 5,608 |
| Noninterest income to average assets | 0.7226% | 2,613 |
| Noninterest expense to average assets | 3.8256% | 1,211 |
| Loan and lease loss provision to assets | 0.3905% | 1,668 |
| Net operating income to assets | -0.6978% | 6,647 |
| Return on assets (ROA) | -0.6978% | 6,678 |
| Pretax return on assets | -0.6978% | 6,654 |
| Return on Equity (ROE) | -8.5187% | 6,694 |
| Retained earnings to average equity (ytd only) | -8.5187% | 6,593 |
| Net charge-offs to loans | 1.1994% | 838 |
| Credit loss provision to net charge-offs | 58.0890% | 4,495 |
| Earnings coverage of net charge-offs (x) | -0.4571% | 5,661 |
| Efficiency ratio | 108.7344% | 354 |
| Assets per employee ($millions) | 2.8837% | 6,189 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2722% | 4,767 |
| Loan loss allowance to noncurrent loans | 10.3077% | 6,546 |
| Noncurrent assets plus other real estate owned to assets | 9.3780% | 248 |
| Noncurrent loans to loans | 12.3425% | 142 |
| Net loans and leases to total assets | 54.2891% | 4,581 |
| Net loans and leases to deposits | 64.5724% | 4,468 |
| Net loans and leases to core deposits | 65.4825% | 4,792 |
| Total domestic deposits to total assets | 84.0748% | 4,282 |
| Equity capital to assets | 7.9419% | 6,433 |
| Core capital (leverage) ratio | 7.7937% | 6,344 |
| Tier 1 risk-based capital ratio | 13.3042% | 4,891 |
| Total risk-based capital ratio | 14.2724% | 5,028 |
| Memoranda: | ||
| Average total assets | $136,997,800 | 4,006 |
| Average earning assets | $120,261,400 | 4,107 |
| Average equity | $11,222,400 | 4,717 |
| Average total loans | $76,789,200 | 4,129 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0529% | 5,350 |
| Cost of funding earning assets | 0.8601% | 2,460 |
| Net interest margin | 3.1928% | 5,720 |
| Noninterest income to average assets | 1.1548% | 1,145 |
| Noninterest expense to average assets | 4.0322% | 900 |
| Loan and lease loss provision to assets | 0.3824% | 1,688 |
| Net operating income to assets | -0.4567% | 6,679 |
| Return on assets (ROA) | -0.4567% | 6,717 |
| Pretax return on assets | -0.4567% | 6,687 |
| Return on Equity (ROE) | -5.5348% | 6,738 |
| Retained earnings to average equity (ytd only) | -5.5348% | 6,649 |
| Net charge-offs to loans | 0.6242% | 1,763 |
| Credit loss provision to net charge-offs | 108.7912% | 2,697 |
| Earnings coverage of net charge-offs (x) | -0.2115% | 5,410 |
| Efficiency ratio | 101.8785% | 485 |
| Assets per employee ($millions) | 2.9358% | 6,157 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8122% | 2,761 |
| Loan loss allowance to noncurrent loans | 14.6050% | 6,603 |
| Noncurrent assets plus other real estate owned to assets | 9.8646% | 252 |
| Noncurrent loans to loans | 12.4083% | 156 |
| Net loans and leases to total assets | 54.0008% | 4,748 |
| Net loans and leases to deposits | 64.3856% | 4,671 |
| Net loans and leases to core deposits | 65.2830% | 5,025 |
| Total domestic deposits to total assets | 83.8709% | 4,287 |
| Equity capital to assets | 8.2163% | 6,480 |
| Core capital (leverage) ratio | 8.0729% | 6,260 |
| Tier 1 risk-based capital ratio | 13.6865% | 4,761 |
| Total risk-based capital ratio | 14.7423% | 4,839 |
| Memoranda: | ||
| Average total assets | $138,084,500 | 4,022 |
| Average earning assets | $121,227,500 | 4,123 |
| Average equity | $11,394,250 | 4,734 |
| Average total loans | $77,750,750 | 4,144 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0290% | 5,558 |
| Cost of funding earning assets | 0.8879% | 2,505 |
| Net interest margin | 3.1411% | 5,885 |
| Noninterest income to average assets | 0.9245% | 1,692 |
| Noninterest expense to average assets | 3.9742% | 974 |
| Loan and lease loss provision to assets | 0.3853% | 1,701 |
| Net operating income to assets | -0.6729% | 6,809 |
| Return on assets (ROA) | -0.6729% | 6,843 |
| Pretax return on assets | -0.6729% | 6,812 |
| Return on Equity (ROE) | -8.1436% | 6,869 |
| Retained earnings to average equity (ytd only) | -8.1436% | 6,777 |
| Net charge-offs to loans | 0.7502% | 1,474 |
| Credit loss provision to net charge-offs | 90.5405% | 3,033 |
| Earnings coverage of net charge-offs (x) | -0.6757% | 5,264 |
| Efficiency ratio | 107.8003% | 366 |
| Assets per employee ($millions) | 2.9142% | 6,212 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6819% | 3,305 |
| Loan loss allowance to noncurrent loans | 13.9570% | 6,659 |
| Noncurrent assets plus other real estate owned to assets | 9.3335% | 305 |
| Noncurrent loans to loans | 12.0503% | 169 |
| Net loans and leases to total assets | 54.8861% | 4,649 |
| Net loans and leases to deposits | 65.3009% | 4,603 |
| Net loans and leases to core deposits | 66.3627% | 4,955 |
| Total domestic deposits to total assets | 84.0511% | 4,302 |
| Equity capital to assets | 8.2625% | 6,406 |
| Core capital (leverage) ratio | 8.0190% | 6,254 |
| Tier 1 risk-based capital ratio | 13.5828% | 4,763 |
| Total risk-based capital ratio | 14.6488% | 4,861 |
| Memoranda: | ||
| Average total assets | $139,096,670 | 4,033 |
| Average earning assets | $122,313,000 | 4,115 |
| Average equity | $11,493,670 | 4,716 |
| Average total loans | $78,910,000 | 4,129 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0266% | 5,682 |
| Cost of funding earning assets | 0.9092% | 2,617 |
| Net interest margin | 3.1174% | 5,991 |
| Noninterest income to average assets | 0.9931% | 1,444 |
| Noninterest expense to average assets | 3.9754% | 961 |
| Loan and lease loss provision to assets | 0.3995% | 1,582 |
| Net operating income to assets | -0.6421% | 6,894 |
| Return on assets (ROA) | -0.6421% | 6,916 |
| Pretax return on assets | -0.6421% | 6,884 |
| Return on Equity (ROE) | -7.7707% | 6,944 |
| Retained earnings to average equity (ytd only) | -7.7707% | 6,752 |
| Net charge-offs to loans | 0.0050% | 4,685 |
| Credit loss provision to net charge-offs | 14,000.0000% | 12 |
| Earnings coverage of net charge-offs (x) | -85.0000% | 4,718 |
| Efficiency ratio | 106.4985% | 397 |
| Assets per employee ($millions) | 2.7847% | 6,518 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8579% | 2,816 |
| Loan loss allowance to noncurrent loans | 13.7452% | 6,708 |
| Noncurrent assets plus other real estate owned to assets | 10.2641% | 281 |
| Noncurrent loans to loans | 13.5167% | 152 |
| Net loans and leases to total assets | 55.1263% | 4,532 |
| Net loans and leases to deposits | 65.5149% | 4,431 |
| Net loans and leases to core deposits | 66.9686% | 4,805 |
| Total domestic deposits to total assets | 84.1431% | 4,424 |
| Equity capital to assets | 8.2430% | 6,322 |
| Core capital (leverage) ratio | 8.1591% | 6,083 |
| Tier 1 risk-based capital ratio | 13.6621% | 4,706 |
| Total risk-based capital ratio | 14.7537% | 4,808 |
| Memoranda: | ||
| Average total assets | $140,160,500 | 4,030 |
| Average earning assets | $123,179,500 | 4,131 |
| Average equity | $11,582,000 | 4,703 |
| Average total loans | $80,133,500 | 4,118 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4951% | 5,092 |
| Cost of funding earning assets | 1.1027% | 2,658 |
| Net interest margin | 3.3924% | 5,506 |
| Noninterest income to average assets | 0.5429% | 3,563 |
| Noninterest expense to average assets | 3.8979% | 1,183 |
| Loan and lease loss provision to assets | 0.6723% | 1,523 |
| Net operating income to assets | -1.0569% | 6,766 |
| Return on assets (ROA) | -1.0569% | 6,789 |
| Pretax return on assets | -1.0569% | 6,757 |
| Return on Equity (ROE) | -12.4555% | 6,813 |
| Retained earnings to average equity (ytd only) | -12.4555% | 6,786 |
| Net charge-offs to loans | 1.1691% | 1,447 |
| Credit loss provision to net charge-offs | 93.0867% | 3,873 |
| Earnings coverage of net charge-offs (x) | -0.5326% | 6,088 |
| Efficiency ratio | 110.9488% | 420 |
| Assets per employee ($millions) | 3.0019% | 6,079 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6013% | 3,583 |
| Loan loss allowance to noncurrent loans | 12.6932% | 6,782 |
| Noncurrent assets plus other real estate owned to assets | 9.8307% | 342 |
| Noncurrent loans to loans | 12.6152% | 191 |
| Net loans and leases to total assets | 57.2309% | 4,508 |
| Net loans and leases to deposits | 67.9554% | 4,457 |
| Net loans and leases to core deposits | 69.7108% | 4,818 |
| Total domestic deposits to total assets | 84.2184% | 4,227 |
| Equity capital to assets | 8.2835% | 6,365 |
| Core capital (leverage) ratio | 8.2356% | 5,943 |
| Tier 1 risk-based capital ratio | 13.4145% | 4,760 |
| Total risk-based capital ratio | 14.5099% | 4,847 |
| Memoranda: | ||
| Average total assets | $142,205,200 | 3,936 |
| Average earning assets | $124,513,400 | 4,049 |
| Average equity | $12,067,000 | 4,535 |
| Average total loans | $87,843,000 | 3,914 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5863% | 4,918 |
| Cost of funding earning assets | 1.1565% | 2,591 |
| Net interest margin | 3.4299% | 5,466 |
| Noninterest income to average assets | 0.4894% | 3,952 |
| Noninterest expense to average assets | 3.8909% | 1,170 |
| Loan and lease loss provision to assets | 0.8085% | 1,149 |
| Net operating income to assets | -1.2099% | 6,962 |
| Return on assets (ROA) | -1.2099% | 6,983 |
| Pretax return on assets | -1.2099% | 6,945 |
| Return on Equity (ROE) | -14.1750% | 6,997 |
| Retained earnings to average equity (ytd only) | -14.1750% | 6,970 |
| Net charge-offs to loans | 0.8706% | 1,826 |
| Credit loss provision to net charge-offs | 148.1990% | 2,122 |
| Earnings coverage of net charge-offs (x) | -0.7359% | 5,888 |
| Efficiency ratio | 111.5044% | 399 |
| Assets per employee ($millions) | 2.8533% | 6,395 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9939% | 2,354 |
| Loan loss allowance to noncurrent loans | 17.7764% | 6,750 |
| Noncurrent assets plus other real estate owned to assets | 9.3510% | 406 |
| Noncurrent loans to loans | 11.2164% | 280 |
| Net loans and leases to total assets | 58.5707% | 4,402 |
| Net loans and leases to deposits | 69.8559% | 4,326 |
| Net loans and leases to core deposits | 72.2077% | 4,685 |
| Total domestic deposits to total assets | 83.8450% | 4,304 |
| Equity capital to assets | 8.5285% | 6,270 |
| Core capital (leverage) ratio | 8.2525% | 6,053 |
| Tier 1 risk-based capital ratio | 13.4843% | 4,744 |
| Total risk-based capital ratio | 14.7429% | 4,710 |
| Memoranda: | ||
| Average total assets | $142,484,500 | 3,955 |
| Average earning assets | $124,628,000 | 4,072 |
| Average equity | $12,162,000 | 4,521 |
| Average total loans | $89,288,750 | 3,916 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6302% | 4,845 |
| Cost of funding earning assets | 1.1894% | 2,651 |
| Net interest margin | 3.4408% | 5,404 |
| Noninterest income to average assets | 0.4241% | 4,475 |
| Noninterest expense to average assets | 3.8180% | 1,322 |
| Loan and lease loss provision to assets | 1.1062% | 736 |
| Net operating income to assets | -1.4856% | 7,092 |
| Return on assets (ROA) | -1.4856% | 7,103 |
| Pretax return on assets | -1.4856% | 7,063 |
| Return on Equity (ROE) | -17.4001% | 7,123 |
| Retained earnings to average equity (ytd only) | -17.4001% | 7,104 |
| Net charge-offs to loans | 1.1404% | 1,374 |
| Credit loss provision to net charge-offs | 152.5000% | 2,005 |
| Earnings coverage of net charge-offs (x) | -0.5231% | 5,533 |
| Efficiency ratio | 111.0345% | 464 |
| Assets per employee ($millions) | 2.7821% | 6,502 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8681% | 2,767 |
| Loan loss allowance to noncurrent loans | 17.6703% | 6,788 |
| Noncurrent assets plus other real estate owned to assets | 9.4710% | 434 |
| Noncurrent loans to loans | 10.5720% | 345 |
| Net loans and leases to total assets | 61.3838% | 4,012 |
| Net loans and leases to deposits | 73.0810% | 3,938 |
| Net loans and leases to core deposits | 75.3300% | 4,397 |
| Total domestic deposits to total assets | 83.9942% | 4,353 |
| Equity capital to assets | 8.5111% | 6,166 |
| Core capital (leverage) ratio | 8.3154% | 5,843 |
| Tier 1 risk-based capital ratio | 12.9250% | 4,979 |
| Total risk-based capital ratio | 14.1824% | 4,951 |
| Memoranda: | ||
| Average total assets | $143,374,670 | 3,970 |
| Average earning assets | $125,609,000 | 4,082 |
| Average equity | $12,241,330 | 4,496 |
| Average total loans | $91,199,670 | 3,915 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7092% | 4,477 |
| Cost of funding earning assets | 1.1765% | 2,974 |
| Net interest margin | 3.5327% | 4,875 |
| Noninterest income to average assets | -0.7938% | 7,528 |
| Noninterest expense to average assets | 3.6414% | 1,673 |
| Loan and lease loss provision to assets | 0.7133% | 1,189 |
| Net operating income to assets | -2.0483% | 7,289 |
| Return on assets (ROA) | -2.0483% | 7,288 |
| Pretax return on assets | -2.0483% | 7,261 |
| Return on Equity (ROE) | -23.9533% | 7,266 |
| Retained earnings to average equity (ytd only) | -23.9533% | 7,223 |
| Net charge-offs to loans | 0.5626% | 2,081 |
| Credit loss provision to net charge-offs | 197.6923% | 1,502 |
| Earnings coverage of net charge-offs (x) | -3.7000% | 5,003 |
| Efficiency ratio | 157.8821% | 129 |
| Assets per employee ($millions) | 2.8840% | 6,386 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6591% | 3,491 |
| Loan loss allowance to noncurrent loans | 17.6677% | 6,849 |
| Noncurrent assets plus other real estate owned to assets | 8.7311% | 514 |
| Noncurrent loans to loans | 9.3906% | 454 |
| Net loans and leases to total assets | 62.1520% | 3,821 |
| Net loans and leases to deposits | 73.8907% | 3,778 |
| Net loans and leases to core deposits | 76.1153% | 4,286 |
| Total domestic deposits to total assets | 84.1135% | 4,445 |
| Equity capital to assets | 8.5410% | 5,850 |
| Core capital (leverage) ratio | 8.6301% | 5,205 |
| Tier 1 risk-based capital ratio | 13.0326% | 4,804 |
| Total risk-based capital ratio | 14.2868% | 4,785 |
| Memoranda: | ||
| Average total assets | $144,119,000 | 3,989 |
| Average earning assets | $126,475,000 | 4,099 |
| Average equity | $12,324,000 | 4,478 |
| Average total loans | $92,423,000 | 3,914 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1248% | 3,977 |
| Cost of funding earning assets | 1.4700% | 2,823 |
| Net interest margin | 3.6548% | 4,556 |
| Noninterest income to average assets | 0.7093% | 2,790 |
| Noninterest expense to average assets | 3.6561% | 1,796 |
| Loan and lease loss provision to assets | 0.6452% | 2,555 |
| Net operating income to assets | -0.4151% | 6,328 |
| Return on assets (ROA) | -0.4151% | 6,356 |
| Pretax return on assets | -0.4151% | 6,255 |
| Return on Equity (ROE) | -4.8391% | 6,420 |
| Retained earnings to average equity (ytd only) | -4.8391% | 6,281 |
| Net charge-offs to loans | 0.7418% | 2,798 |
| Credit loss provision to net charge-offs | 133.5157% | 2,922 |
| Earnings coverage of net charge-offs (x) | 0.4761% | 5,634 |
| Efficiency ratio | 94.0806% | 1,054 |
| Assets per employee ($millions) | 2.8808% | 6,378 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4779% | 4,130 |
| Loan loss allowance to noncurrent loans | 19.3625% | 6,837 |
| Noncurrent assets plus other real estate owned to assets | 7.9207% | 632 |
| Noncurrent loans to loans | 7.6330% | 699 |
| Net loans and leases to total assets | 64.0982% | 3,853 |
| Net loans and leases to deposits | 76.1592% | 3,815 |
| Net loans and leases to core deposits | 78.2777% | 4,426 |
| Total domestic deposits to total assets | 84.1634% | 4,291 |
| Equity capital to assets | 8.5615% | 5,774 |
| Core capital (leverage) ratio | 8.4092% | 5,516 |
| Tier 1 risk-based capital ratio | 12.7402% | 4,828 |
| Total risk-based capital ratio | 13.9926% | 4,797 |
| Memoranda: | ||
| Average total assets | $151,280,400 | 3,853 |
| Average earning assets | $131,499,000 | 3,984 |
| Average equity | $12,977,600 | 4,366 |
| Average total loans | $98,550,400 | 3,842 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1704% | 3,985 |
| Cost of funding earning assets | 1.5711% | 2,544 |
| Net interest margin | 3.5993% | 4,879 |
| Noninterest income to average assets | 0.7237% | 2,685 |
| Noninterest expense to average assets | 3.6213% | 1,741 |
| Loan and lease loss provision to assets | 0.3109% | 4,091 |
| Net operating income to assets | -0.0880% | 6,169 |
| Return on assets (ROA) | -0.0880% | 6,261 |
| Pretax return on assets | -0.0880% | 6,209 |
| Return on Equity (ROE) | -1.0249% | 6,280 |
| Retained earnings to average equity (ytd only) | -1.0249% | 6,019 |
| Net charge-offs to loans | 0.3047% | 4,147 |
| Credit loss provision to net charge-offs | 156.5789% | 2,449 |
| Earnings coverage of net charge-offs (x) | 1.1228% | 4,930 |
| Efficiency ratio | 94.2003% | 991 |
| Assets per employee ($millions) | 2.7299% | 6,721 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3310% | 4,791 |
| Loan loss allowance to noncurrent loans | 21.5487% | 6,836 |
| Noncurrent assets plus other real estate owned to assets | 7.8214% | 654 |
| Noncurrent loans to loans | 6.1768% | 994 |
| Net loans and leases to total assets | 63.8140% | 4,160 |
| Net loans and leases to deposits | 76.1451% | 4,156 |
| Net loans and leases to core deposits | 78.7207% | 4,713 |
| Total domestic deposits to total assets | 83.8057% | 4,229 |
| Equity capital to assets | 8.8606% | 5,759 |
| Core capital (leverage) ratio | 8.5556% | 5,412 |
| Tier 1 risk-based capital ratio | 12.7817% | 4,749 |
| Total risk-based capital ratio | 14.0324% | 4,722 |
| Memoranda: | ||
| Average total assets | $153,090,500 | 3,873 |
| Average earning assets | $132,726,750 | 4,013 |
| Average equity | $13,139,000 | 4,406 |
| Average total loans | $99,760,000 | 3,865 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2284% | 3,810 |
| Cost of funding earning assets | 1.5832% | 2,754 |
| Net interest margin | 3.6452% | 4,601 |
| Noninterest income to average assets | 1.0646% | 1,183 |
| Noninterest expense to average assets | 3.7127% | 1,535 |
| Loan and lease loss provision to assets | 0.2310% | 4,606 |
| Net operating income to assets | 0.2852% | 5,239 |
| Return on assets (ROA) | 0.2852% | 5,389 |
| Pretax return on assets | 0.2852% | 5,542 |
| Return on Equity (ROE) | 3.3575% | 5,078 |
| Retained earnings to average equity (ytd only) | 3.3575% | 3,973 |
| Net charge-offs to loans | 0.4267% | 3,288 |
| Credit loss provision to net charge-offs | 82.8704% | 4,632 |
| Earnings coverage of net charge-offs (x) | 1.8519% | 4,131 |
| Efficiency ratio | 87.7937% | 1,527 |
| Assets per employee ($millions) | 2.9472% | 6,253 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1452% | 5,712 |
| Loan loss allowance to noncurrent loans | 36.6722% | 5,915 |
| Noncurrent assets plus other real estate owned to assets | 6.3528% | 900 |
| Noncurrent loans to loans | 3.1227% | 2,574 |
| Net loans and leases to total assets | 62.0720% | 4,671 |
| Net loans and leases to deposits | 73.6327% | 4,731 |
| Net loans and leases to core deposits | 75.9380% | 5,202 |
| Total domestic deposits to total assets | 84.2995% | 3,961 |
| Equity capital to assets | 8.7037% | 5,878 |
| Core capital (leverage) ratio | 8.4822% | 5,439 |
| Tier 1 risk-based capital ratio | 12.8573% | 4,560 |
| Total risk-based capital ratio | 13.9442% | 4,667 |
| Memoranda: | ||
| Average total assets | $154,982,000 | 3,873 |
| Average earning assets | $134,534,670 | 4,013 |
| Average equity | $13,164,670 | 4,405 |
| Average total loans | $101,233,000 | 3,851 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2618% | 3,721 |
| Cost of funding earning assets | 1.6013% | 2,957 |
| Net interest margin | 3.6605% | 4,435 |
| Noninterest income to average assets | 0.9676% | 1,395 |
| Noninterest expense to average assets | 3.8012% | 1,327 |
| Loan and lease loss provision to assets | 0.2233% | 4,263 |
| Net operating income to assets | 0.1232% | 5,952 |
| Return on assets (ROA) | 0.1232% | 6,069 |
| Pretax return on assets | 0.1232% | 6,080 |
| Return on Equity (ROE) | 1.4682% | 5,973 |
| Retained earnings to average equity (ytd only) | 1.4682% | 5,212 |
| Net charge-offs to loans | 0.7635% | 1,981 |
| Credit loss provision to net charge-offs | 43.9394% | 4,575 |
| Earnings coverage of net charge-offs (x) | 0.6818% | 4,418 |
| Efficiency ratio | 91.6460% | 1,303 |
| Assets per employee ($millions) | 2.8741% | 6,490 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0075% | 6,424 |
| Loan loss allowance to noncurrent loans | 40.7848% | 5,640 |
| Noncurrent assets plus other real estate owned to assets | 5.0644% | 1,260 |
| Noncurrent loans to loans | 2.4703% | 3,196 |
| Net loans and leases to total assets | 65.1443% | 4,072 |
| Net loans and leases to deposits | 76.8589% | 4,245 |
| Net loans and leases to core deposits | 79.0548% | 4,885 |
| Total domestic deposits to total assets | 84.7584% | 3,775 |
| Equity capital to assets | 8.4452% | 6,077 |
| Core capital (leverage) ratio | 8.4070% | 5,548 |
| Tier 1 risk-based capital ratio | 12.1965% | 4,997 |
| Total risk-based capital ratio | 13.1721% | 5,233 |
| Memoranda: | ||
| Average total assets | $155,845,000 | 3,908 |
| Average earning assets | $135,391,000 | 4,049 |
| Average equity | $13,077,500 | 4,459 |
| Average total loans | $103,734,000 | 3,834 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9878% | 1,918 |
| Cost of funding earning assets | 1.9200% | 3,354 |
| Net interest margin | 4.0678% | 2,578 |
| Noninterest income to average assets | 0.7554% | 2,642 |
| Noninterest expense to average assets | 3.7266% | 1,847 |
| Loan and lease loss provision to assets | 0.4626% | 4,057 |
| Net operating income to assets | 0.0312% | 5,393 |
| Return on assets (ROA) | 0.0312% | 5,446 |
| Pretax return on assets | 0.0312% | 5,368 |
| Return on Equity (ROE) | 0.3729% | 5,420 |
| Retained earnings to average equity (ytd only) | -0.0076% | 4,928 |
| Net charge-offs to loans | 0.7511% | 2,946 |
| Credit loss provision to net charge-offs | 86.9617% | 6,100 |
| Earnings coverage of net charge-offs (x) | 0.9282% | 5,186 |
| Efficiency ratio | 88.2992% | 1,855 |
| Assets per employee ($millions) | 2.9526% | 6,341 |
| Cash dividends to net income (ytd only)* | 102.0408% | 597 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0823% | 5,985 |
| Loan loss allowance to noncurrent loans | 52.2456% | 4,873 |
| Noncurrent assets plus other real estate owned to assets | 4.5703% | 1,409 |
| Noncurrent loans to loans | 2.0715% | 3,559 |
| Net loans and leases to total assets | 66.5825% | 4,017 |
| Net loans and leases to deposits | 78.3704% | 4,303 |
| Net loans and leases to core deposits | 96.5564% | 4,393 |
| Total domestic deposits to total assets | 84.9588% | 3,567 |
| Equity capital to assets | 8.3379% | 6,145 |
| Core capital (leverage) ratio | 8.4793% | 5,305 |
| Tier 1 risk-based capital ratio | 11.3525% | 5,563 |
| Total risk-based capital ratio | 12.3626% | 5,767 |
| Memoranda: | ||
| Average total assets | $157,142,400 | 3,830 |
| Average earning assets | $133,855,800 | 4,012 |
| Average equity | $13,139,600 | 4,481 |
| Average total loans | $111,303,400 | 3,660 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1102% | 1,616 |
| Cost of funding earning assets | 1.9889% | 3,416 |
| Net interest margin | 4.1213% | 2,315 |
| Noninterest income to average assets | 0.7281% | 2,838 |
| Noninterest expense to average assets | 3.7548% | 1,696 |
| Loan and lease loss provision to assets | 0.3255% | 4,379 |
| Net operating income to assets | 0.1517% | 5,317 |
| Return on assets (ROA) | 0.1517% | 5,377 |
| Pretax return on assets | 0.1517% | 5,409 |
| Return on Equity (ROE) | 1.8132% | 5,226 |
| Retained earnings to average equity (ytd only) | 1.3067% | 4,595 |
| Net charge-offs to loans | 0.8026% | 2,359 |
| Credit loss provision to net charge-offs | 56.5538% | 6,221 |
| Earnings coverage of net charge-offs (x) | 0.8292% | 5,222 |
| Efficiency ratio | 88.7242% | 1,803 |
| Assets per employee ($millions) | 2.8537% | 6,521 |
| Cash dividends to net income (ytd only)* | 27.9351% | 2,962 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8608% | 6,924 |
| Loan loss allowance to noncurrent loans | 32.2080% | 6,292 |
| Noncurrent assets plus other real estate owned to assets | 4.0721% | 1,558 |
| Noncurrent loans to loans | 2.6726% | 2,837 |
| Net loans and leases to total assets | 72.6454% | 2,869 |
| Net loans and leases to deposits | 88.8151% | 2,818 |
| Net loans and leases to core deposits | 108.9361% | 3,348 |
| Total domestic deposits to total assets | 81.7940% | 4,767 |
| Equity capital to assets | 8.8028% | 5,789 |
| Core capital (leverage) ratio | 8.3933% | 5,669 |
| Tier 1 risk-based capital ratio | 11.3621% | 5,581 |
| Total risk-based capital ratio | 12.2001% | 5,962 |
| Memoranda: | ||
| Average total assets | $157,305,500 | 3,847 |
| Average earning assets | $133,740,250 | 4,043 |
| Average equity | $13,162,500 | 4,497 |
| Average total loans | $112,795,500 | 3,658 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1621% | 1,589 |
| Cost of funding earning assets | 2.0570% | 3,492 |
| Net interest margin | 4.1051% | 2,303 |
| Noninterest income to average assets | 0.8649% | 2,123 |
| Noninterest expense to average assets | 3.8010% | 1,655 |
| Loan and lease loss provision to assets | 0.3527% | 3,810 |
| Net operating income to assets | 0.1632% | 5,381 |
| Return on assets (ROA) | 0.1632% | 5,476 |
| Pretax return on assets | 0.1632% | 5,549 |
| Return on Equity (ROE) | 1.9829% | 5,306 |
| Retained earnings to average equity (ytd only) | 1.2203% | 4,666 |
| Net charge-offs to loans | 0.6399% | 2,438 |
| Credit loss provision to net charge-offs | 77.4105% | 5,269 |
| Earnings coverage of net charge-offs (x) | 1.1322% | 4,675 |
| Efficiency ratio | 88.0489% | 2,012 |
| Assets per employee ($millions) | 2.8225% | 6,575 |
| Cash dividends to net income (ytd only)* | 38.4615% | 2,503 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0580% | 5,852 |
| Loan loss allowance to noncurrent loans | 87.3503% | 3,256 |
| Noncurrent assets plus other real estate owned to assets | 3.3975% | 1,844 |
| Noncurrent loans to loans | 1.2112% | 4,796 |
| Net loans and leases to total assets | 67.8385% | 4,175 |
| Net loans and leases to deposits | 79.6067% | 4,600 |
| Net loans and leases to core deposits | 95.9979% | 4,903 |
| Total domestic deposits to total assets | 85.2171% | 3,153 |
| Equity capital to assets | 8.1333% | 6,593 |
| Core capital (leverage) ratio | 7.9583% | 6,407 |
| Tier 1 risk-based capital ratio | 11.1085% | 5,763 |
| Total risk-based capital ratio | 12.1153% | 5,958 |
| Memoranda: | ||
| Average total assets | $159,325,000 | 3,842 |
| Average earning assets | $133,981,000 | 4,068 |
| Average equity | $13,112,000 | 4,521 |
| Average total loans | $113,451,330 | 3,690 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0849% | 1,997 |
| Cost of funding earning assets | 2.0751% | 3,768 |
| Net interest margin | 4.0099% | 2,605 |
| Noninterest income to average assets | 0.8881% | 1,900 |
| Noninterest expense to average assets | 3.7314% | 1,594 |
| Loan and lease loss provision to assets | 0.4365% | 2,744 |
| Net operating income to assets | 0.1817% | 5,713 |
| Return on assets (ROA) | 0.1817% | 5,888 |
| Pretax return on assets | 0.1817% | 5,981 |
| Return on Equity (ROE) | 2.1942% | 5,708 |
| Retained earnings to average equity (ytd only) | 2.1942% | 4,654 |
| Net charge-offs to loans | 0.8624% | 1,512 |
| Credit loss provision to net charge-offs | 69.7581% | 4,359 |
| Earnings coverage of net charge-offs (x) | 0.9879% | 4,277 |
| Efficiency ratio | 85.7889% | 2,095 |
| Assets per employee ($millions) | 2.8171% | 6,599 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0310% | 5,926 |
| Loan loss allowance to noncurrent loans | 28.5021% | 6,653 |
| Noncurrent assets plus other real estate owned to assets | 3.5005% | 1,539 |
| Noncurrent loans to loans | 3.6173% | 1,738 |
| Net loans and leases to total assets | 70.1822% | 3,632 |
| Net loans and leases to deposits | 82.3999% | 4,222 |
| Net loans and leases to core deposits | 99.6930% | 4,567 |
| Total domestic deposits to total assets | 85.1727% | 3,120 |
| Equity capital to assets | 8.2036% | 6,532 |
| Core capital (leverage) ratio | 8.0323% | 6,405 |
| Tier 1 risk-based capital ratio | 11.1122% | 5,804 |
| Total risk-based capital ratio | 12.1267% | 5,923 |
| Memoranda: | ||
| Average total assets | $158,546,500 | 3,856 |
| Average earning assets | $136,862,500 | 4,018 |
| Average equity | $13,125,500 | 4,552 |
| Average total loans | $115,023,500 | 3,673 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9783% | 1,191 |
| Cost of funding earning assets | 2.4101% | 4,675 |
| Net interest margin | 4.5682% | 1,262 |
| Noninterest income to average assets | 0.8907% | 1,997 |
| Noninterest expense to average assets | 3.8184% | 1,720 |
| Loan and lease loss provision to assets | 0.1614% | 5,316 |
| Net operating income to assets | 0.9551% | 2,766 |
| Return on assets (ROA) | 0.9551% | 2,634 |
| Pretax return on assets | 0.9792% | 3,452 |
| Return on Equity (ROE) | 11.2686% | 1,822 |
| Retained earnings to average equity (ytd only) | 3.6769% | 2,864 |
| Net charge-offs to loans | 0.3137% | 3,289 |
| Credit loss provision to net charge-offs | 70.0565% | 6,071 |
| Earnings coverage of net charge-offs (x) | 4.9520% | 3,804 |
| Efficiency ratio | 77.0008% | 3,079 |
| Assets per employee ($millions) | 2.7950% | 6,569 |
| Cash dividends to net income (ytd only)* | 67.3706% | 2,304 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0751% | 5,455 |
| Loan loss allowance to noncurrent loans | 36.4246% | 6,301 |
| Noncurrent assets plus other real estate owned to assets | 2.9172% | 1,589 |
| Noncurrent loans to loans | 2.9515% | 1,819 |
| Net loans and leases to total assets | 73.4286% | 3,255 |
| Net loans and leases to deposits | 87.1552% | 3,916 |
| Net loans and leases to core deposits | 103.3135% | 4,466 |
| Total domestic deposits to total assets | 84.2504% | 3,202 |
| Equity capital to assets | 8.3556% | 6,335 |
| Core capital (leverage) ratio | 8.3390% | 5,872 |
| Tier 1 risk-based capital ratio | 10.9435% | 5,778 |
| Total risk-based capital ratio | 12.0131% | 5,853 |
| Memoranda: | ||
| Average total assets | $153,702,200 | 3,828 |
| Average earning assets | $136,881,000 | 3,914 |
| Average equity | $13,027,400 | 4,568 |
| Average total loans | $112,850,600 | 3,620 |