Home > The Putnam County National Bank of Carmel > Performance and Condition Ratios
The Putnam County National Bank of Carmel, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2864% | 3,458 |
| Cost of funding earning assets | 0.0733% | 4,490 |
| Net interest margin | 4.2131% | 914 |
| Noninterest income to average assets | 0.4900% | 2,036 |
| Noninterest expense to average assets | 2.7738% | 1,567 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.3038% | 1,429 |
| Return on assets (ROA) | 1.3038% | 1,397 |
| Pretax return on assets | 1.7500% | 962 |
| Return on Equity (ROE) | 5.9400% | 3,531 |
| Retained earnings to average equity (ytd only) | 5.9366% | 2,271 |
| Net charge-offs to loans | 0.1402% | 722 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 19.2061% | 1,906 |
| Efficiency ratio | 61.3159% | 2,937 |
| Assets per employee ($millions) | 4.6115% | 3,888 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2760% | 1,897 |
| Loan loss allowance to noncurrent loans | 140.1860% | 2,931 |
| Noncurrent assets plus other real estate owned to assets | 1.0098% | 488 |
| Noncurrent loans to loans | 0.9102% | 825 |
| Net loans and leases to total assets | 68.3300% | 1,996 |
| Net loans and leases to deposits | 90.7135% | 1,214 |
| Net loans and leases to core deposits | 94.1999% | 1,759 |
| Total domestic deposits to total assets | 75.3300% | 3,999 |
| Equity capital to assets | 23.9600% | 208 |
| Core capital (leverage) ratio | 23.6018% | 183 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $181,084,800 | 3,118 |
| Average earning assets | $173,267,600 | 3,066 |
| Average equity | $39,770,000 | 1,895 |
| Average total loans | $117,705,600 | 2,978 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2311% | 3,416 |
| Cost of funding earning assets | 0.0448% | 4,529 |
| Net interest margin | 4.1864% | 940 |
| Noninterest income to average assets | 0.6400% | 1,370 |
| Noninterest expense to average assets | 2.4576% | 2,353 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.6236% | 898 |
| Return on assets (ROA) | 1.6236% | 886 |
| Pretax return on assets | 2.1825% | 573 |
| Return on Equity (ROE) | 7.5500% | 3,304 |
| Retained earnings to average equity (ytd only) | 7.5524% | 2,121 |
| Net charge-offs to loans | 0.1871% | 468 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 18.2242% | 1,871 |
| Efficiency ratio | 52.9642% | 3,680 |
| Assets per employee ($millions) | 5.3671% | 3,289 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2805% | 1,960 |
| Loan loss allowance to noncurrent loans | 140.9729% | 2,889 |
| Noncurrent assets plus other real estate owned to assets | 0.9140% | 588 |
| Noncurrent loans to loans | 0.9083% | 908 |
| Net loans and leases to total assets | 61.8500% | 2,673 |
| Net loans and leases to deposits | 79.9008% | 2,061 |
| Net loans and leases to core deposits | 81.3271% | 2,511 |
| Total domestic deposits to total assets | 77.4000% | 3,887 |
| Equity capital to assets | 21.6839% | 248 |
| Core capital (leverage) ratio | 22.7288% | 196 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $183,699,500 | 3,104 |
| Average earning assets | $175,740,250 | 3,056 |
| Average equity | $39,492,000 | 1,890 |
| Average total loans | $117,606,500 | 2,982 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3207% | 3,057 |
| Cost of funding earning assets | 0.0424% | 4,552 |
| Net interest margin | 4.2783% | 836 |
| Noninterest income to average assets | 0.0600% | 4,461 |
| Noninterest expense to average assets | 2.5264% | 2,131 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.1804% | 1,881 |
| Return on assets (ROA) | 1.1804% | 1,873 |
| Pretax return on assets | 1.6367% | 1,345 |
| Return on Equity (ROE) | 5.5100% | 3,796 |
| Retained earnings to average equity (ytd only) | 5.5069% | 2,780 |
| Net charge-offs to loans | 0.2858% | 294 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 8.8810% | 2,039 |
| Efficiency ratio | 60.6851% | 2,871 |
| Assets per employee ($millions) | 5.0802% | 3,526 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2867% | 1,981 |
| Loan loss allowance to noncurrent loans | 99.9336% | 3,264 |
| Noncurrent assets plus other real estate owned to assets | 1.2109% | 331 |
| Noncurrent loans to loans | 1.2875% | 552 |
| Net loans and leases to total assets | 64.8900% | 2,292 |
| Net loans and leases to deposits | 84.4948% | 1,626 |
| Net loans and leases to core deposits | 86.1219% | 2,063 |
| Total domestic deposits to total assets | 76.8000% | 3,973 |
| Equity capital to assets | 22.2556% | 223 |
| Core capital (leverage) ratio | 21.8020% | 205 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $182,316,333 | 3,121 |
| Average earning assets | $174,693,667 | 3,070 |
| Average equity | $39,078,333 | 1,909 |
| Average total loans | $117,580,000 | 2,976 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3113% | 2,778 |
| Cost of funding earning assets | 0.0430% | 4,585 |
| Net interest margin | 4.2683% | 858 |
| Noninterest income to average assets | 0.0300% | 4,580 |
| Noninterest expense to average assets | 2.2669% | 2,905 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.4542% | 1,276 |
| Return on assets (ROA) | 1.4542% | 1,252 |
| Pretax return on assets | 1.8594% | 973 |
| Return on Equity (ROE) | 6.9100% | 3,537 |
| Retained earnings to average equity (ytd only) | 6.9119% | 2,516 |
| Net charge-offs to loans | -0.0068% | 3,732 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 54.9370% | 3,509 |
| Assets per employee ($millions) | 5.2787% | 3,438 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4184% | 1,553 |
| Loan loss allowance to noncurrent loans | 98.5866% | 3,353 |
| Noncurrent assets plus other real estate owned to assets | 1.2698% | 281 |
| Noncurrent loans to loans | 1.4387% | 458 |
| Net loans and leases to total assets | 62.9700% | 2,361 |
| Net loans and leases to deposits | 80.9949% | 1,748 |
| Net loans and leases to core deposits | 82.4745% | 2,094 |
| Total domestic deposits to total assets | 77.7500% | 4,025 |
| Equity capital to assets | 21.1995% | 207 |
| Core capital (leverage) ratio | 21.1093% | 228 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $184,571,000 | 3,142 |
| Average earning assets | $176,932,000 | 3,085 |
| Average equity | $38,831,500 | 1,936 |
| Average total loans | $117,924,500 | 3,000 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1137% | 3,968 |
| Cost of funding earning assets | 0.0575% | 4,558 |
| Net interest margin | 3.0562% | 3,299 |
| Noninterest income to average assets | 0.0700% | 4,528 |
| Noninterest expense to average assets | 2.1705% | 3,098 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.6689% | 3,707 |
| Return on assets (ROA) | 0.6689% | 3,657 |
| Pretax return on assets | 0.8373% | 3,524 |
| Return on Equity (ROE) | 3.4200% | 4,246 |
| Retained earnings to average equity (ytd only) | 3.4178% | 3,588 |
| Net charge-offs to loans | 0.0412% | 1,286 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 34.4894% | 1,595 |
| Efficiency ratio | 72.1621% | 1,426 |
| Assets per employee ($millions) | 5.5875% | 3,139 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4190% | 1,439 |
| Loan loss allowance to noncurrent loans | 83.1841% | 3,452 |
| Noncurrent assets plus other real estate owned to assets | 1.4415% | 231 |
| Noncurrent loans to loans | 1.7059% | 365 |
| Net loans and leases to total assets | 63.0000% | 2,332 |
| Net loans and leases to deposits | 80.5711% | 1,732 |
| Net loans and leases to core deposits | 82.0341% | 2,005 |
| Total domestic deposits to total assets | 78.1900% | 4,072 |
| Equity capital to assets | 20.8777% | 205 |
| Core capital (leverage) ratio | 20.2888% | 244 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $193,596,600 | 3,077 |
| Average earning assets | $186,081,000 | 3,030 |
| Average equity | $37,890,000 | 2,003 |
| Average total loans | $114,015,000 | 2,988 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8904% | 4,074 |
| Cost of funding earning assets | 0.0615% | 4,522 |
| Net interest margin | 2.8289% | 3,668 |
| Noninterest income to average assets | 0.0800% | 4,530 |
| Noninterest expense to average assets | 2.0071% | 3,467 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.6398% | 3,723 |
| Return on assets (ROA) | 0.6398% | 3,676 |
| Pretax return on assets | 0.7936% | 3,596 |
| Return on Equity (ROE) | 3.3200% | 4,258 |
| Retained earnings to average equity (ytd only) | 3.3210% | 3,691 |
| Net charge-offs to loans | 0.0625% | 863 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 22.0000% | 1,677 |
| Efficiency ratio | 71.6646% | 1,565 |
| Assets per employee ($millions) | 6.2340% | 2,547 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4170% | 1,554 |
| Loan loss allowance to noncurrent loans | 81.1495% | 3,522 |
| Noncurrent assets plus other real estate owned to assets | 1.3129% | 283 |
| Noncurrent loans to loans | 1.7461% | 374 |
| Net loans and leases to total assets | 56.3400% | 2,871 |
| Net loans and leases to deposits | 69.8708% | 2,374 |
| Net loans and leases to core deposits | 71.2303% | 2,550 |
| Total domestic deposits to total assets | 80.6400% | 4,035 |
| Equity capital to assets | 18.6155% | 253 |
| Core capital (leverage) ratio | 19.1995% | 269 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $195,898,750 | 3,089 |
| Average earning assets | $188,481,500 | 3,027 |
| Average equity | $37,738,500 | 2,035 |
| Average total loans | $113,061,500 | 3,011 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7455% | 4,074 |
| Cost of funding earning assets | 0.0625% | 4,509 |
| Net interest margin | 2.6829% | 3,734 |
| Noninterest income to average assets | 0.0810% | 4,551 |
| Noninterest expense to average assets | 2.0527% | 3,288 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.4787% | 3,950 |
| Return on assets (ROA) | 0.4787% | 3,901 |
| Pretax return on assets | 0.6116% | 3,792 |
| Return on Equity (ROE) | 2.4552% | 4,300 |
| Retained earnings to average equity (ytd only) | 2.4552% | 3,626 |
| Net charge-offs to loans | 0.0986% | 597 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 10.7091% | 1,750 |
| Efficiency ratio | 77.0460% | 1,170 |
| Assets per employee ($millions) | 5.8409% | 2,882 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4708% | 1,487 |
| Loan loss allowance to noncurrent loans | 79.0123% | 3,552 |
| Noncurrent assets plus other real estate owned to assets | 1.4288% | 254 |
| Noncurrent loans to loans | 1.8615% | 361 |
| Net loans and leases to total assets | 57.8322% | 2,550 |
| Net loans and leases to deposits | 72.6749% | 1,981 |
| Net loans and leases to core deposits | 75.2207% | 2,073 |
| Total domestic deposits to total assets | 79.5765% | 4,259 |
| Equity capital to assets | 19.6198% | 176 |
| Core capital (leverage) ratio | 19.4445% | 217 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $192,624,667 | 3,142 |
| Average earning assets | $185,468,000 | 3,098 |
| Average equity | $37,552,667 | 2,094 |
| Average total loans | $111,557,333 | 3,046 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5535% | 4,193 |
| Cost of funding earning assets | 0.0646% | 4,495 |
| Net interest margin | 2.4889% | 3,920 |
| Noninterest income to average assets | 0.0727% | 4,600 |
| Noninterest expense to average assets | 2.1375% | 3,016 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.2638% | 4,215 |
| Return on assets (ROA) | 0.2638% | 4,184 |
| Pretax return on assets | 0.3365% | 4,137 |
| Return on Equity (ROE) | 1.3575% | 4,366 |
| Retained earnings to average equity (ytd only) | 1.3575% | 3,734 |
| Net charge-offs to loans | -0.0181% | 3,859 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.3980% | 716 |
| Assets per employee ($millions) | 6.0238% | 2,790 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5350% | 1,441 |
| Loan loss allowance to noncurrent loans | 65.2042% | 3,710 |
| Noncurrent assets plus other real estate owned to assets | 1.4723% | 246 |
| Noncurrent loans to loans | 2.3542% | 270 |
| Net loans and leases to total assets | 57.3689% | 2,371 |
| Net loans and leases to deposits | 71.9394% | 1,779 |
| Net loans and leases to core deposits | 74.4471% | 1,903 |
| Total domestic deposits to total assets | 79.7461% | 4,300 |
| Equity capital to assets | 19.4456% | 176 |
| Core capital (leverage) ratio | 18.9177% | 216 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $192,562,500 | 3,153 |
| Average earning assets | $185,781,500 | 3,104 |
| Average equity | $37,420,500 | 2,156 |
| Average total loans | $110,768,500 | 3,053 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5116% | 4,471 |
| Cost of funding earning assets | 0.0814% | 4,520 |
| Net interest margin | 2.4301% | 4,281 |
| Noninterest income to average assets | 0.1365% | 4,467 |
| Noninterest expense to average assets | 2.1982% | 3,094 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.2351% | 4,501 |
| Return on assets (ROA) | 0.2351% | 4,515 |
| Pretax return on assets | 0.2772% | 4,511 |
| Return on Equity (ROE) | 1.2310% | 4,586 |
| Retained earnings to average equity (ytd only) | 1.2310% | 4,197 |
| Net charge-offs to loans | -0.1113% | 4,600 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.8027% | 363 |
| Assets per employee ($millions) | 6.2052% | 2,567 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5738% | 1,322 |
| Loan loss allowance to noncurrent loans | 68.1332% | 3,708 |
| Noncurrent assets plus other real estate owned to assets | 1.4124% | 310 |
| Noncurrent loans to loans | 2.3099% | 307 |
| Net loans and leases to total assets | 55.8884% | 2,632 |
| Net loans and leases to deposits | 70.0478% | 2,128 |
| Net loans and leases to core deposits | 72.4872% | 2,210 |
| Total domestic deposits to total assets | 79.7860% | 4,243 |
| Equity capital to assets | 19.4202% | 196 |
| Core capital (leverage) ratio | 19.2705% | 193 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $192,655,800 | 3,115 |
| Average earning assets | $185,423,000 | 3,060 |
| Average equity | $36,800,600 | 2,209 |
| Average total loans | $104,256,600 | 3,147 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4022% | 4,633 |
| Cost of funding earning assets | 0.0849% | 4,611 |
| Net interest margin | 2.3173% | 4,478 |
| Noninterest income to average assets | 0.1598% | 4,403 |
| Noninterest expense to average assets | 2.1501% | 3,219 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.2103% | 4,620 |
| Return on assets (ROA) | 0.2103% | 4,641 |
| Pretax return on assets | 0.2366% | 4,644 |
| Return on Equity (ROE) | 1.1056% | 4,687 |
| Retained earnings to average equity (ytd only) | 1.1056% | 4,396 |
| Net charge-offs to loans | -0.0958% | 4,595 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.0870% | 320 |
| Assets per employee ($millions) | 6.7286% | 2,070 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5823% | 1,383 |
| Loan loss allowance to noncurrent loans | 78.6585% | 3,644 |
| Noncurrent assets plus other real estate owned to assets | 1.1151% | 562 |
| Noncurrent loans to loans | 2.0116% | 435 |
| Net loans and leases to total assets | 50.0062% | 3,415 |
| Net loans and leases to deposits | 61.4599% | 3,099 |
| Net loans and leases to core deposits | 63.3994% | 3,187 |
| Total domestic deposits to total assets | 81.3640% | 4,041 |
| Equity capital to assets | 17.6277% | 290 |
| Core capital (leverage) ratio | 19.0667% | 222 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $192,729,250 | 3,153 |
| Average earning assets | $185,214,750 | 3,098 |
| Average equity | $36,661,500 | 2,249 |
| Average total loans | $103,014,000 | 3,205 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4281% | 4,662 |
| Cost of funding earning assets | 0.0921% | 4,623 |
| Net interest margin | 2.3359% | 4,484 |
| Noninterest income to average assets | 0.1526% | 4,438 |
| Noninterest expense to average assets | 2.2129% | 3,045 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.1825% | 4,649 |
| Return on assets (ROA) | 0.1825% | 4,664 |
| Pretax return on assets | 0.1846% | 4,680 |
| Return on Equity (ROE) | 0.9338% | 4,710 |
| Retained earnings to average equity (ytd only) | 0.9338% | 4,356 |
| Net charge-offs to loans | -0.1431% | 4,718 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.3008% | 285 |
| Assets per employee ($millions) | 6.3104% | 2,320 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6000% | 1,272 |
| Loan loss allowance to noncurrent loans | 71.0169% | 3,687 |
| Noncurrent assets plus other real estate owned to assets | 1.2575% | 524 |
| Noncurrent loans to loans | 2.2530% | 393 |
| Net loans and leases to total assets | 52.6899% | 3,282 |
| Net loans and leases to deposits | 65.6993% | 2,851 |
| Net loans and leases to core deposits | 67.9417% | 2,966 |
| Total domestic deposits to total assets | 80.1985% | 4,210 |
| Equity capital to assets | 18.7397% | 241 |
| Core capital (leverage) ratio | 19.3417% | 204 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $187,443,667 | 3,194 |
| Average earning assets | $180,141,667 | 3,134 |
| Average equity | $36,625,667 | 2,246 |
| Average total loans | $102,024,333 | 3,227 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4615% | 4,671 |
| Cost of funding earning assets | 0.0978% | 4,661 |
| Net interest margin | 2.3637% | 4,454 |
| Noninterest income to average assets | 0.0458% | 4,860 |
| Noninterest expense to average assets | 2.4913% | 2,198 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | -0.1396% | 4,819 |
| Return on assets (ROA) | -0.1396% | 4,822 |
| Pretax return on assets | -0.1789% | 4,829 |
| Return on Equity (ROE) | -0.6993% | 4,813 |
| Retained earnings to average equity (ytd only) | -0.6993% | 4,429 |
| Net charge-offs to loans | -0.3974% | 4,876 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.7358% | 123 |
| Assets per employee ($millions) | 6.0170% | 2,587 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6635% | 1,137 |
| Loan loss allowance to noncurrent loans | 68.7248% | 3,734 |
| Noncurrent assets plus other real estate owned to assets | 1.3993% | 477 |
| Noncurrent loans to loans | 2.4206% | 393 |
| Net loans and leases to total assets | 53.9702% | 3,244 |
| Net loans and leases to deposits | 68.1241% | 2,690 |
| Net loans and leases to core deposits | 70.5909% | 2,823 |
| Total domestic deposits to total assets | 79.2234% | 4,310 |
| Equity capital to assets | 19.5275% | 201 |
| Core capital (leverage) ratio | 19.5127% | 209 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $183,354,500 | 3,220 |
| Average earning assets | $175,826,500 | 3,158 |
| Average equity | $36,609,000 | 2,225 |
| Average total loans | $100,662,000 | 3,250 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9391% | 4,680 |
| Cost of funding earning assets | 0.1173% | 4,823 |
| Net interest margin | 2.8218% | 4,232 |
| Noninterest income to average assets | 0.2554% | 3,955 |
| Noninterest expense to average assets | 2.0885% | 3,957 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.6696% | 3,523 |
| Return on assets (ROA) | 0.6696% | 3,651 |
| Pretax return on assets | 0.8454% | 3,512 |
| Return on Equity (ROE) | 3.1463% | 4,341 |
| Retained earnings to average equity (ytd only) | 3.1463% | 3,261 |
| Net charge-offs to loans | -0.0524% | 4,678 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1861% | 1,784 |
| Assets per employee ($millions) | 5.8123% | 2,534 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6200% | 1,241 |
| Loan loss allowance to noncurrent loans | 59.3704% | 3,893 |
| Noncurrent assets plus other real estate owned to assets | 1.5851% | 444 |
| Noncurrent loans to loans | 2.7286% | 346 |
| Net loans and leases to total assets | 54.0281% | 3,484 |
| Net loans and leases to deposits | 68.8285% | 3,002 |
| Net loans and leases to core deposits | 71.4294% | 3,136 |
| Total domestic deposits to total assets | 78.4967% | 4,263 |
| Equity capital to assets | 20.4205% | 182 |
| Core capital (leverage) ratio | 20.0946% | 185 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $170,694,400 | 3,189 |
| Average earning assets | $162,023,400 | 3,145 |
| Average equity | $36,328,200 | 2,159 |
| Average total loans | $91,592,200 | 3,376 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0342% | 4,709 |
| Cost of funding earning assets | 0.1204% | 4,880 |
| Net interest margin | 2.9139% | 4,157 |
| Noninterest income to average assets | 0.2131% | 4,204 |
| Noninterest expense to average assets | 2.0436% | 4,063 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.7398% | 3,321 |
| Return on assets (ROA) | 0.7398% | 3,420 |
| Pretax return on assets | 0.9307% | 3,292 |
| Return on Equity (ROE) | 3.4389% | 4,310 |
| Retained earnings to average equity (ytd only) | 3.4389% | 3,341 |
| Net charge-offs to loans | -0.0059% | 4,091 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7084% | 2,083 |
| Assets per employee ($millions) | 6.2978% | 2,003 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7031% | 892 |
| Loan loss allowance to noncurrent loans | 67.7237% | 3,769 |
| Noncurrent assets plus other real estate owned to assets | 1.4306% | 623 |
| Noncurrent loans to loans | 2.5147% | 419 |
| Net loans and leases to total assets | 46.0898% | 4,313 |
| Net loans and leases to deposits | 57.4246% | 4,190 |
| Net loans and leases to core deposits | 59.3705% | 4,239 |
| Total domestic deposits to total assets | 80.2614% | 3,809 |
| Equity capital to assets | 18.7480% | 251 |
| Core capital (leverage) ratio | 20.9070% | 169 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $168,322,500 | 3,194 |
| Average earning assets | $159,509,750 | 3,155 |
| Average equity | $36,211,750 | 2,157 |
| Average total loans | $89,752,250 | 3,418 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3327% | 4,615 |
| Cost of funding earning assets | 0.1242% | 4,934 |
| Net interest margin | 3.2085% | 3,646 |
| Noninterest income to average assets | 0.3037% | 3,644 |
| Noninterest expense to average assets | 2.2165% | 3,732 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.9062% | 2,665 |
| Return on assets (ROA) | 0.9062% | 2,790 |
| Pretax return on assets | 1.1346% | 2,600 |
| Return on Equity (ROE) | 4.0020% | 4,107 |
| Retained earnings to average equity (ytd only) | 4.0020% | 2,905 |
| Net charge-offs to loans | 0.0067% | 2,722 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 301.3333% | 320 |
| Efficiency ratio | 66.1423% | 2,498 |
| Assets per employee ($millions) | 5.5262% | 2,613 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6842% | 842 |
| Loan loss allowance to noncurrent loans | 66.6094% | 3,779 |
| Noncurrent assets plus other real estate owned to assets | 1.7016% | 494 |
| Noncurrent loans to loans | 2.5284% | 455 |
| Net loans and leases to total assets | 54.6484% | 3,823 |
| Net loans and leases to deposits | 71.0577% | 3,343 |
| Net loans and leases to core deposits | 72.8548% | 3,531 |
| Total domestic deposits to total assets | 76.9071% | 4,323 |
| Equity capital to assets | 21.9649% | 149 |
| Core capital (leverage) ratio | 22.7359% | 132 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 51.7906% | 78 |
| Memoranda: | ||
| Average total assets | $159,352,667 | 3,256 |
| Average earning assets | $151,348,333 | 3,212 |
| Average equity | $36,081,667 | 2,153 |
| Average total loans | $89,156,000 | 3,428 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4901% | 4,637 |
| Cost of funding earning assets | 0.1269% | 5,005 |
| Net interest margin | 3.3633% | 3,412 |
| Noninterest income to average assets | 0.3535% | 3,400 |
| Noninterest expense to average assets | 2.1648% | 4,089 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.1195% | 1,787 |
| Return on assets (ROA) | 1.1195% | 1,882 |
| Pretax return on assets | 1.3809% | 1,622 |
| Return on Equity (ROE) | 4.8670% | 3,682 |
| Retained earnings to average equity (ytd only) | 4.8670% | 2,337 |
| Net charge-offs to loans | 0.0411% | 1,626 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 59.8889% | 806 |
| Efficiency ratio | 61.0549% | 3,608 |
| Assets per employee ($millions) | 5.0262% | 2,622 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7250% | 832 |
| Loan loss allowance to noncurrent loans | 65.5919% | 3,812 |
| Noncurrent assets plus other real estate owned to assets | 1.8279% | 489 |
| Noncurrent loans to loans | 2.6300% | 441 |
| Net loans and leases to total assets | 56.5268% | 3,795 |
| Net loans and leases to deposits | 74.7006% | 3,198 |
| Net loans and leases to core deposits | 76.7424% | 3,446 |
| Total domestic deposits to total assets | 75.6712% | 4,519 |
| Equity capital to assets | 23.1877% | 143 |
| Core capital (leverage) ratio | 23.0653% | 146 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 53.5402% | 75 |
| Memoranda: | ||
| Average total assets | $156,135,500 | 3,254 |
| Average earning assets | $148,189,500 | 3,207 |
| Average equity | $35,915,000 | 2,145 |
| Average total loans | $87,658,000 | 3,449 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6954% | 4,682 |
| Cost of funding earning assets | 0.1481% | 5,050 |
| Net interest margin | 3.5473% | 3,296 |
| Noninterest income to average assets | 0.1004% | 4,926 |
| Noninterest expense to average assets | 2.5006% | 3,451 |
| Loan and lease loss provision to assets | -0.0825% | 5,058 |
| Net operating income to assets | 0.8278% | 3,460 |
| Return on assets (ROA) | 0.8278% | 3,557 |
| Pretax return on assets | 1.0464% | 3,341 |
| Return on Equity (ROE) | 3.8315% | 4,506 |
| Retained earnings to average equity (ytd only) | 3.8315% | 3,056 |
| Net charge-offs to loans | -0.0012% | 4,184 |
| Credit loss provision to net charge-offs | 13,400.0000% | 28 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1778% | 1,845 |
| Assets per employee ($millions) | 5.0471% | 2,532 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8146% | 640 |
| Loan loss allowance to noncurrent loans | 64.8998% | 3,849 |
| Noncurrent assets plus other real estate owned to assets | 1.8906% | 440 |
| Noncurrent loans to loans | 2.7960% | 359 |
| Net loans and leases to total assets | 53.7773% | 4,088 |
| Net loans and leases to deposits | 70.8750% | 3,603 |
| Net loans and leases to core deposits | 72.7930% | 3,809 |
| Total domestic deposits to total assets | 75.8763% | 4,612 |
| Equity capital to assets | 22.8180% | 161 |
| Core capital (leverage) ratio | 21.8607% | 178 |
| Tier 1 risk-based capital ratio | 53.4391% | 119 |
| Total risk-based capital ratio | 54.7028% | 119 |
| Memoranda: | ||
| Average total assets | $162,359,000 | 3,182 |
| Average earning assets | $153,975,800 | 3,146 |
| Average equity | $35,077,800 | 2,133 |
| Average total loans | $82,125,800 | 3,559 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6735% | 4,811 |
| Cost of funding earning assets | 0.1510% | 5,120 |
| Net interest margin | 3.5225% | 3,495 |
| Noninterest income to average assets | 0.0887% | 5,022 |
| Noninterest expense to average assets | 2.2811% | 4,001 |
| Loan and lease loss provision to assets | -0.0203% | 5,078 |
| Net operating income to assets | 0.9237% | 3,263 |
| Return on assets (ROA) | 0.9237% | 3,334 |
| Pretax return on assets | 1.1686% | 3,075 |
| Return on Equity (ROE) | 4.3334% | 4,524 |
| Retained earnings to average equity (ytd only) | 4.3334% | 3,228 |
| Net charge-offs to loans | -0.0016% | 4,040 |
| Credit loss provision to net charge-offs | 2,500.0000% | 161 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5164% | 2,659 |
| Assets per employee ($millions) | 5.3776% | 2,150 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0266% | 437 |
| Loan loss allowance to noncurrent loans | 67.3684% | 3,870 |
| Noncurrent assets plus other real estate owned to assets | 1.8566% | 521 |
| Noncurrent loans to loans | 3.0083% | 321 |
| Net loans and leases to total assets | 48.2535% | 4,502 |
| Net loans and leases to deposits | 62.2611% | 4,274 |
| Net loans and leases to core deposits | 64.8721% | 4,333 |
| Total domestic deposits to total assets | 77.5018% | 4,443 |
| Equity capital to assets | 21.2942% | 206 |
| Core capital (leverage) ratio | 21.3255% | 186 |
| Tier 1 risk-based capital ratio | 55.5017% | 110 |
| Total risk-based capital ratio | 56.7693% | 109 |
| Memoranda: | ||
| Average total assets | $163,833,750 | 3,198 |
| Average earning assets | $155,378,500 | 3,162 |
| Average equity | $34,922,000 | 2,154 |
| Average total loans | $81,233,500 | 3,622 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6691% | 4,862 |
| Cost of funding earning assets | 0.1528% | 5,157 |
| Net interest margin | 3.5164% | 3,542 |
| Noninterest income to average assets | 0.0958% | 5,055 |
| Noninterest expense to average assets | 2.3245% | 3,942 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.8964% | 3,298 |
| Return on assets (ROA) | 0.8964% | 3,365 |
| Pretax return on assets | 1.1064% | 3,216 |
| Return on Equity (ROE) | 4.2039% | 4,539 |
| Retained earnings to average equity (ytd only) | 4.2039% | 3,148 |
| Net charge-offs to loans | -0.0025% | 3,996 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7523% | 2,577 |
| Assets per employee ($millions) | 5.3677% | 2,085 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0734% | 411 |
| Loan loss allowance to noncurrent loans | 85.6925% | 3,556 |
| Noncurrent assets plus other real estate owned to assets | 1.6121% | 670 |
| Noncurrent loans to loans | 2.4196% | 501 |
| Net loans and leases to total assets | 49.5380% | 4,493 |
| Net loans and leases to deposits | 64.3299% | 4,209 |
| Net loans and leases to core deposits | 67.2832% | 4,249 |
| Total domestic deposits to total assets | 77.0061% | 4,556 |
| Equity capital to assets | 21.7997% | 181 |
| Core capital (leverage) ratio | 21.6467% | 176 |
| Tier 1 risk-based capital ratio | 57.0683% | 97 |
| Total risk-based capital ratio | 58.3371% | 97 |
| Memoranda: | ||
| Average total assets | $162,876,000 | 3,227 |
| Average earning assets | $154,477,670 | 3,186 |
| Average equity | $34,729,670 | 2,152 |
| Average total loans | $80,942,670 | 3,641 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6763% | 4,878 |
| Cost of funding earning assets | 0.1548% | 5,202 |
| Net interest margin | 3.5215% | 3,533 |
| Noninterest income to average assets | 0.0879% | 5,122 |
| Noninterest expense to average assets | 2.2808% | 4,072 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.9792% | 2,925 |
| Return on assets (ROA) | 0.9792% | 2,968 |
| Pretax return on assets | 1.1404% | 3,010 |
| Return on Equity (ROE) | 4.6436% | 4,429 |
| Retained earnings to average equity (ytd only) | 4.6436% | 3,066 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6667% | 2,838 |
| Assets per employee ($millions) | 5.6163% | 1,869 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0951% | 421 |
| Loan loss allowance to noncurrent loans | 65.6943% | 3,963 |
| Noncurrent assets plus other real estate owned to assets | 1.7566% | 606 |
| Noncurrent loans to loans | 3.1892% | 319 |
| Net loans and leases to total assets | 48.4589% | 4,560 |
| Net loans and leases to deposits | 62.4833% | 4,273 |
| Net loans and leases to core deposits | 65.2888% | 4,310 |
| Total domestic deposits to total assets | 77.5550% | 4,586 |
| Equity capital to assets | 21.3361% | 187 |
| Core capital (leverage) ratio | 21.0915% | 195 |
| Tier 1 risk-based capital ratio | 56.0200% | 105 |
| Total risk-based capital ratio | 57.2891% | 101 |
| Memoranda: | ||
| Average total assets | $163,799,000 | 3,257 |
| Average earning assets | $155,048,500 | 3,213 |
| Average equity | $34,542,500 | 2,161 |
| Average total loans | $80,684,000 | 3,676 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2739% | 5,100 |
| Cost of funding earning assets | 0.1583% | 5,153 |
| Net interest margin | 3.1156% | 4,624 |
| Noninterest income to average assets | 0.2428% | 4,466 |
| Noninterest expense to average assets | 2.2314% | 4,268 |
| Loan and lease loss provision to assets | -0.2300% | 5,345 |
| Net operating income to assets | 0.8551% | 3,595 |
| Return on assets (ROA) | 0.8551% | 3,589 |
| Pretax return on assets | 1.1793% | 2,970 |
| Return on Equity (ROE) | 4.1014% | 4,686 |
| Retained earnings to average equity (ytd only) | 4.1014% | 3,301 |
| Net charge-offs to loans | -0.0025% | 4,259 |
| Credit loss provision to net charge-offs | 18,800.0000% | 23 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1538% | 2,151 |
| Assets per employee ($millions) | 5.3137% | 2,133 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0904% | 405 |
| Loan loss allowance to noncurrent loans | 61.6959% | 4,084 |
| Noncurrent assets plus other real estate owned to assets | 1.8370% | 553 |
| Noncurrent loans to loans | 3.3882% | 274 |
| Net loans and leases to total assets | 47.9979% | 4,639 |
| Net loans and leases to deposits | 61.6628% | 4,394 |
| Net loans and leases to core deposits | 64.5125% | 4,431 |
| Total domestic deposits to total assets | 77.8393% | 4,519 |
| Equity capital to assets | 20.8434% | 195 |
| Core capital (leverage) ratio | 20.6833% | 208 |
| Tier 1 risk-based capital ratio | 54.3375% | 112 |
| Total risk-based capital ratio | 55.6068% | 107 |
| Memoranda: | ||
| Average total assets | $163,487,600 | 3,233 |
| Average earning assets | $154,158,400 | 3,189 |
| Average equity | $34,085,800 | 2,106 |
| Average total loans | $78,958,000 | 3,686 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2192% | 5,188 |
| Cost of funding earning assets | 0.1578% | 5,196 |
| Net interest margin | 3.0614% | 4,768 |
| Noninterest income to average assets | 0.1136% | 5,161 |
| Noninterest expense to average assets | 2.1555% | 4,417 |
| Loan and lease loss provision to assets | -0.3072% | 5,429 |
| Net operating income to assets | 1.0205% | 3,001 |
| Return on assets (ROA) | 1.0205% | 3,017 |
| Pretax return on assets | 1.1496% | 3,196 |
| Return on Equity (ROE) | 4.8945% | 4,597 |
| Retained earnings to average equity (ytd only) | 4.8945% | 3,292 |
| Net charge-offs to loans | -0.0034% | 4,154 |
| Credit loss provision to net charge-offs | 18,800.0000% | 18 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8997% | 1,895 |
| Assets per employee ($millions) | 5.7523% | 1,687 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1589% | 388 |
| Loan loss allowance to noncurrent loans | 60.8508% | 4,197 |
| Noncurrent assets plus other real estate owned to assets | 1.9560% | 549 |
| Noncurrent loans to loans | 3.5479% | 264 |
| Net loans and leases to total assets | 45.8583% | 4,811 |
| Net loans and leases to deposits | 58.4475% | 4,627 |
| Net loans and leases to core deposits | 61.0834% | 4,658 |
| Total domestic deposits to total assets | 78.4607% | 4,409 |
| Equity capital to assets | 20.8140% | 200 |
| Core capital (leverage) ratio | 20.5052% | 216 |
| Tier 1 risk-based capital ratio | 55.1460% | 103 |
| Total risk-based capital ratio | 56.4149% | 100 |
| Memoranda: | ||
| Average total assets | $163,178,500 | 3,266 |
| Average earning assets | $153,739,250 | 3,225 |
| Average equity | $34,023,750 | 2,114 |
| Average total loans | $78,509,500 | 3,726 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1389% | 5,272 |
| Cost of funding earning assets | 0.1586% | 5,206 |
| Net interest margin | 2.9802% | 4,904 |
| Noninterest income to average assets | 0.1321% | 5,147 |
| Noninterest expense to average assets | 2.1696% | 4,439 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.7693% | 3,960 |
| Return on assets (ROA) | 0.7693% | 3,966 |
| Pretax return on assets | 0.7693% | 4,339 |
| Return on Equity (ROE) | 3.6873% | 4,890 |
| Retained earnings to average equity (ytd only) | 3.6873% | 3,754 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8235% | 1,731 |
| Assets per employee ($millions) | 5.7011% | 1,718 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6200% | 217 |
| Loan loss allowance to noncurrent loans | 61.4605% | 4,184 |
| Noncurrent assets plus other real estate owned to assets | 2.3250% | 394 |
| Noncurrent loans to loans | 4.2629% | 196 |
| Net loans and leases to total assets | 46.3555% | 4,805 |
| Net loans and leases to deposits | 58.8998% | 4,594 |
| Net loans and leases to core deposits | 61.5645% | 4,625 |
| Total domestic deposits to total assets | 78.7024% | 4,475 |
| Equity capital to assets | 20.6311% | 201 |
| Core capital (leverage) ratio | 20.2333% | 214 |
| Tier 1 risk-based capital ratio | 52.3938% | 120 |
| Total risk-based capital ratio | 53.6698% | 119 |
| Memoranda: | ||
| Average total assets | $161,966,000 | 3,298 |
| Average earning assets | $152,538,000 | 3,257 |
| Average equity | $33,791,330 | 2,132 |
| Average total loans | $78,617,000 | 3,734 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1152% | 5,305 |
| Cost of funding earning assets | 0.1587% | 5,229 |
| Net interest margin | 2.9565% | 4,944 |
| Noninterest income to average assets | -0.0175% | 5,579 |
| Noninterest expense to average assets | 2.1013% | 4,661 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.6713% | 4,207 |
| Return on assets (ROA) | 0.6713% | 4,209 |
| Pretax return on assets | 0.6713% | 4,516 |
| Return on Equity (ROE) | 3.1993% | 4,973 |
| Retained earnings to average equity (ytd only) | 3.1993% | 3,926 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7876% | 1,624 |
| Assets per employee ($millions) | 5.5828% | 1,863 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6092% | 228 |
| Loan loss allowance to noncurrent loans | 58.5795% | 4,269 |
| Noncurrent assets plus other real estate owned to assets | 2.7813% | 308 |
| Noncurrent loans to loans | 4.4542% | 196 |
| Net loans and leases to total assets | 47.5380% | 4,718 |
| Net loans and leases to deposits | 60.5356% | 4,435 |
| Net loans and leases to core deposits | 63.4721% | 4,454 |
| Total domestic deposits to total assets | 78.5290% | 4,644 |
| Equity capital to assets | 20.8151% | 188 |
| Core capital (leverage) ratio | 20.3363% | 201 |
| Tier 1 risk-based capital ratio | 52.5388% | 117 |
| Total risk-based capital ratio | 53.8144% | 116 |
| Memoranda: | ||
| Average total assets | $160,282,500 | 3,350 |
| Average earning assets | $151,260,000 | 3,312 |
| Average equity | $33,632,000 | 2,153 |
| Average total loans | $78,574,000 | 3,767 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9503% | 5,389 |
| Cost of funding earning assets | 0.1632% | 5,190 |
| Net interest margin | 2.7871% | 5,182 |
| Noninterest income to average assets | 0.1792% | 5,060 |
| Noninterest expense to average assets | 2.4372% | 3,970 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | -0.5790% | 5,549 |
| Return on assets (ROA) | -0.5790% | 5,548 |
| Pretax return on assets | 0.3394% | 5,170 |
| Return on Equity (ROE) | -2.7443% | 5,482 |
| Retained earnings to average equity (ytd only) | -2.7443% | 5,332 |
| Net charge-offs to loans | 0.0480% | 2,827 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 14.5000% | 2,323 |
| Efficiency ratio | 87.7773% | 545 |
| Assets per employee ($millions) | 5.4711% | 1,967 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6395% | 209 |
| Loan loss allowance to noncurrent loans | 57.6461% | 4,338 |
| Noncurrent assets plus other real estate owned to assets | 2.8740% | 291 |
| Noncurrent loans to loans | 4.5788% | 177 |
| Net loans and leases to total assets | 47.9375% | 4,770 |
| Net loans and leases to deposits | 61.3493% | 4,490 |
| Net loans and leases to core deposits | 64.1091% | 4,526 |
| Total domestic deposits to total assets | 78.1386% | 4,695 |
| Equity capital to assets | 21.1543% | 173 |
| Core capital (leverage) ratio | 20.0940% | 197 |
| Tier 1 risk-based capital ratio | 52.0342% | 114 |
| Total risk-based capital ratio | 53.3230% | 113 |
| Memoranda: | ||
| Average total assets | $162,357,000 | 3,319 |
| Average earning assets | $151,306,800 | 3,307 |
| Average equity | $34,252,800 | 2,122 |
| Average total loans | $79,150,600 | 3,768 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9361% | 5,457 |
| Cost of funding earning assets | 0.1643% | 5,230 |
| Net interest margin | 2.7718% | 5,263 |
| Noninterest income to average assets | 0.1454% | 5,281 |
| Noninterest expense to average assets | 2.3672% | 4,098 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.3291% | 5,157 |
| Return on assets (ROA) | 0.3291% | 5,185 |
| Pretax return on assets | 0.3544% | 5,250 |
| Return on Equity (ROE) | 1.5608% | 5,367 |
| Retained earnings to average equity (ytd only) | 1.5608% | 4,802 |
| Net charge-offs to loans | 0.0604% | 2,252 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 12.0552% | 2,454 |
| Efficiency ratio | 86.9787% | 571 |
| Assets per employee ($millions) | 5.4645% | 1,959 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6027% | 235 |
| Loan loss allowance to noncurrent loans | 32.3359% | 4,901 |
| Noncurrent assets plus other real estate owned to assets | 4.2492% | 153 |
| Noncurrent loans to loans | 8.0489% | 46 |
| Net loans and leases to total assets | 45.5962% | 4,958 |
| Net loans and leases to deposits | 57.8682% | 4,767 |
| Net loans and leases to core deposits | 60.1540% | 4,808 |
| Total domestic deposits to total assets | 78.7931% | 4,574 |
| Equity capital to assets | 20.4501% | 211 |
| Core capital (leverage) ratio | 19.9260% | 209 |
| Tier 1 risk-based capital ratio | 48.7602% | 131 |
| Total risk-based capital ratio | 50.0493% | 131 |
| Memoranda: | ||
| Average total assets | $163,280,500 | 3,338 |
| Average earning assets | $151,762,250 | 3,332 |
| Average equity | $34,425,000 | 2,128 |
| Average total loans | $79,408,000 | 3,789 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9488% | 5,475 |
| Cost of funding earning assets | 0.1677% | 5,221 |
| Net interest margin | 2.7812% | 5,274 |
| Noninterest income to average assets | 0.1327% | 5,386 |
| Noninterest expense to average assets | 2.4857% | 3,790 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.2171% | 5,371 |
| Return on assets (ROA) | 0.2171% | 5,385 |
| Pretax return on assets | 0.2394% | 5,398 |
| Return on Equity (ROE) | 1.0188% | 5,472 |
| Retained earnings to average equity (ytd only) | 1.0188% | 4,833 |
| Net charge-offs to loans | 0.0931% | 1,688 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 5.2162% | 2,848 |
| Efficiency ratio | 91.2153% | 388 |
| Assets per employee ($millions) | 4.7514% | 2,718 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6054% | 252 |
| Loan loss allowance to noncurrent loans | 30.2448% | 4,963 |
| Noncurrent assets plus other real estate owned to assets | 4.4209% | 144 |
| Noncurrent loans to loans | 8.6143% | 39 |
| Net loans and leases to total assets | 47.7372% | 4,840 |
| Net loans and leases to deposits | 61.1711% | 4,553 |
| Net loans and leases to core deposits | 63.7284% | 4,619 |
| Total domestic deposits to total assets | 78.0389% | 4,810 |
| Equity capital to assets | 21.3068% | 171 |
| Core capital (leverage) ratio | 20.1259% | 203 |
| Tier 1 risk-based capital ratio | 48.2421% | 136 |
| Total risk-based capital ratio | 49.5313% | 134 |
| Memoranda: | ||
| Average total assets | $161,241,330 | 3,383 |
| Average earning assets | $150,296,670 | 3,365 |
| Average equity | $34,352,670 | 2,124 |
| Average total loans | $79,443,000 | 3,802 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9493% | 5,507 |
| Cost of funding earning assets | 0.1732% | 5,209 |
| Net interest margin | 2.7761% | 5,291 |
| Noninterest income to average assets | 0.1266% | 5,488 |
| Noninterest expense to average assets | 2.4335% | 4,019 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.2384% | 5,330 |
| Return on assets (ROA) | 0.2384% | 5,343 |
| Pretax return on assets | 0.2806% | 5,340 |
| Return on Equity (ROE) | 1.1189% | 5,474 |
| Retained earnings to average equity (ytd only) | 1.1189% | 4,615 |
| Net charge-offs to loans | 0.0101% | 2,632 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 56.5000% | 840 |
| Efficiency ratio | 89.6615% | 573 |
| Assets per employee ($millions) | 5.0044% | 2,442 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6373% | 270 |
| Loan loss allowance to noncurrent loans | 29.7420% | 5,048 |
| Noncurrent assets plus other real estate owned to assets | 4.6053% | 139 |
| Noncurrent loans to loans | 8.8673% | 45 |
| Net loans and leases to total assets | 48.3655% | 4,793 |
| Net loans and leases to deposits | 62.0662% | 4,429 |
| Net loans and leases to core deposits | 64.5469% | 4,505 |
| Total domestic deposits to total assets | 77.9257% | 4,975 |
| Equity capital to assets | 21.4567% | 157 |
| Core capital (leverage) ratio | 19.8261% | 204 |
| Tier 1 risk-based capital ratio | 48.1984% | 143 |
| Total risk-based capital ratio | 49.4882% | 141 |
| Memoranda: | ||
| Average total assets | $161,087,500 | 3,410 |
| Average earning assets | $150,136,500 | 3,396 |
| Average equity | $34,318,500 | 2,123 |
| Average total loans | $79,573,500 | 3,818 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8389% | 5,622 |
| Cost of funding earning assets | 0.1664% | 5,307 |
| Net interest margin | 2.6725% | 5,452 |
| Noninterest income to average assets | 0.4031% | 3,859 |
| Noninterest expense to average assets | 2.6656% | 3,471 |
| Loan and lease loss provision to assets | 0.8411% | 136 |
| Net operating income to assets | -0.3276% | 5,749 |
| Return on assets (ROA) | -0.3276% | 5,758 |
| Pretax return on assets | -0.6202% | 5,795 |
| Return on Equity (ROE) | -1.4943% | 5,725 |
| Retained earnings to average equity (ytd only) | -1.4943% | 5,494 |
| Net charge-offs to loans | 0.6622% | 332 |
| Credit loss provision to net charge-offs | 260.1518% | 1,107 |
| Earnings coverage of net charge-offs (x) | 0.6831% | 4,083 |
| Efficiency ratio | 92.3486% | 446 |
| Assets per employee ($millions) | 4.3793% | 3,311 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6383% | 272 |
| Loan loss allowance to noncurrent loans | 28.9935% | 5,099 |
| Noncurrent assets plus other real estate owned to assets | 4.8428% | 129 |
| Noncurrent loans to loans | 9.0997% | 36 |
| Net loans and leases to total assets | 47.8270% | 4,910 |
| Net loans and leases to deposits | 61.1244% | 4,606 |
| Net loans and leases to core deposits | 63.9580% | 4,637 |
| Total domestic deposits to total assets | 78.2453% | 4,942 |
| Equity capital to assets | 21.1536% | 171 |
| Core capital (leverage) ratio | 19.1066% | 227 |
| Tier 1 risk-based capital ratio | 47.0271% | 158 |
| Total risk-based capital ratio | 48.3370% | 155 |
| Memoranda: | ||
| Average total assets | $163,003,400 | 3,364 |
| Average earning assets | $151,468,800 | 3,354 |
| Average equity | $35,734,800 | 2,037 |
| Average total loans | $79,579,400 | 3,809 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8242% | 5,704 |
| Cost of funding earning assets | 0.1654% | 5,384 |
| Net interest margin | 2.6588% | 5,536 |
| Noninterest income to average assets | 0.4476% | 3,578 |
| Noninterest expense to average assets | 2.5262% | 3,902 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.3463% | 5,174 |
| Return on assets (ROA) | 0.3463% | 5,255 |
| Pretax return on assets | 0.3896% | 5,325 |
| Return on Equity (ROE) | 1.5660% | 5,547 |
| Retained earnings to average equity (ytd only) | 1.5660% | 4,883 |
| Net charge-offs to loans | -0.0067% | 4,676 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.6387% | 770 |
| Assets per employee ($millions) | 4.5972% | 2,931 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5847% | 1,524 |
| Loan loss allowance to noncurrent loans | 15.9777% | 5,355 |
| Noncurrent assets plus other real estate owned to assets | 4.9913% | 148 |
| Noncurrent loans to loans | 9.9182% | 37 |
| Net loans and leases to total assets | 46.0037% | 5,095 |
| Net loans and leases to deposits | 58.5292% | 4,846 |
| Net loans and leases to core deposits | 61.0899% | 4,887 |
| Total domestic deposits to total assets | 78.5996% | 4,808 |
| Equity capital to assets | 21.3157% | 189 |
| Core capital (leverage) ratio | 19.9287% | 202 |
| Tier 1 risk-based capital ratio | 48.3572% | 148 |
| Total risk-based capital ratio | 49.6407% | 147 |
| Memoranda: | ||
| Average total assets | $163,245,750 | 3,379 |
| Average earning assets | $151,541,750 | 3,369 |
| Average equity | $36,099,500 | 2,031 |
| Average total loans | $79,575,250 | 3,837 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8514% | 5,772 |
| Cost of funding earning assets | 0.1650% | 5,458 |
| Net interest margin | 2.6864% | 5,587 |
| Noninterest income to average assets | 0.5517% | 2,891 |
| Noninterest expense to average assets | 2.5733% | 3,807 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.4212% | 4,969 |
| Return on assets (ROA) | 0.4212% | 5,057 |
| Pretax return on assets | 0.4672% | 5,207 |
| Return on Equity (ROE) | 1.8809% | 5,531 |
| Retained earnings to average equity (ytd only) | 1.8809% | 4,614 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.6342% | 995 |
| Assets per employee ($millions) | 4.8388% | 2,500 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5713% | 1,610 |
| Loan loss allowance to noncurrent loans | 15.4281% | 5,461 |
| Noncurrent assets plus other real estate owned to assets | 5.4632% | 121 |
| Noncurrent loans to loans | 10.1847% | 35 |
| Net loans and leases to total assets | 47.8230% | 5,006 |
| Net loans and leases to deposits | 61.4182% | 4,701 |
| Net loans and leases to core deposits | 64.2248% | 4,733 |
| Total domestic deposits to total assets | 77.8646% | 5,028 |
| Equity capital to assets | 22.0236% | 153 |
| Core capital (leverage) ratio | 20.4121% | 181 |
| Tier 1 risk-based capital ratio | 47.0124% | 160 |
| Total risk-based capital ratio | 48.2938% | 157 |
| Memoranda: | ||
| Average total assets | $160,962,670 | 3,424 |
| Average earning assets | $149,119,670 | 3,415 |
| Average equity | $36,047,000 | 2,034 |
| Average total loans | $79,597,000 | 3,854 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8903% | 5,794 |
| Cost of funding earning assets | 0.1662% | 5,497 |
| Net interest margin | 2.7242% | 5,582 |
| Noninterest income to average assets | 0.6910% | 2,081 |
| Noninterest expense to average assets | 2.4877% | 4,108 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.7162% | 3,630 |
| Return on assets (ROA) | 0.7162% | 3,749 |
| Pretax return on assets | 0.7162% | 4,471 |
| Return on Equity (ROE) | 3.1707% | 5,177 |
| Retained earnings to average equity (ytd only) | 3.1707% | 3,925 |
| Net charge-offs to loans | -0.0755% | 5,526 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6471% | 1,949 |
| Assets per employee ($millions) | 4.5971% | 2,904 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5983% | 1,612 |
| Loan loss allowance to noncurrent loans | 15.2856% | 5,482 |
| Noncurrent assets plus other real estate owned to assets | 5.9677% | 119 |
| Noncurrent loans to loans | 10.4560% | 37 |
| Net loans and leases to total assets | 48.6349% | 4,917 |
| Net loans and leases to deposits | 62.7933% | 4,524 |
| Net loans and leases to core deposits | 65.5891% | 4,564 |
| Total domestic deposits to total assets | 77.4523% | 5,224 |
| Equity capital to assets | 22.4656% | 142 |
| Core capital (leverage) ratio | 20.7487% | 172 |
| Tier 1 risk-based capital ratio | 46.4774% | 158 |
| Total risk-based capital ratio | 47.7587% | 156 |
| Memoranda: | ||
| Average total assets | $159,184,500 | 3,463 |
| Average earning assets | $146,834,500 | 3,462 |
| Average equity | $35,954,000 | 2,038 |
| Average total loans | $79,428,500 | 3,872 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7547% | 5,913 |
| Cost of funding earning assets | 0.1725% | 5,518 |
| Net interest margin | 2.5821% | 5,770 |
| Noninterest income to average assets | 0.3667% | 4,281 |
| Noninterest expense to average assets | 3.8404% | 820 |
| Loan and lease loss provision to assets | -0.5602% | 6,132 |
| Net operating income to assets | -0.3586% | 6,008 |
| Return on assets (ROA) | -0.3586% | 6,015 |
| Pretax return on assets | -0.5460% | 6,049 |
| Return on Equity (ROE) | -1.6085% | 5,965 |
| Retained earnings to average equity (ytd only) | -1.6085% | 5,725 |
| Net charge-offs to loans | 0.8904% | 237 |
| Credit loss provision to net charge-offs | -127.0042% | 5,197 |
| Earnings coverage of net charge-offs (x) | -2.5077% | 4,366 |
| Efficiency ratio | 140.4584% | 47 |
| Assets per employee ($millions) | 4.3742% | 3,266 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5832% | 1,669 |
| Loan loss allowance to noncurrent loans | 15.2798% | 5,515 |
| Noncurrent assets plus other real estate owned to assets | 7.0229% | 99 |
| Noncurrent loans to loans | 10.3614% | 37 |
| Net loans and leases to total assets | 49.5821% | 4,906 |
| Net loans and leases to deposits | 64.2265% | 4,455 |
| Net loans and leases to core deposits | 67.1815% | 4,496 |
| Total domestic deposits to total assets | 77.1988% | 5,282 |
| Equity capital to assets | 22.7097% | 126 |
| Core capital (leverage) ratio | 20.1747% | 193 |
| Tier 1 risk-based capital ratio | 45.5707% | 163 |
| Total risk-based capital ratio | 46.8672% | 159 |
| Memoranda: | ||
| Average total assets | $161,179,800 | 3,412 |
| Average earning assets | $147,784,600 | 3,436 |
| Average equity | $35,933,800 | 1,988 |
| Average total loans | $79,847,800 | 3,832 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7363% | 6,001 |
| Cost of funding earning assets | 0.1724% | 5,611 |
| Net interest margin | 2.5640% | 5,869 |
| Noninterest income to average assets | 0.2607% | 5,075 |
| Noninterest expense to average assets | 3.5219% | 1,248 |
| Loan and lease loss provision to assets | -0.7427% | 6,245 |
| Net operating income to assets | -0.2122% | 6,051 |
| Return on assets (ROA) | -0.2122% | 6,067 |
| Pretax return on assets | -0.1694% | 6,039 |
| Return on Equity (ROE) | -0.9561% | 6,023 |
| Retained earnings to average equity (ytd only) | -0.9561% | 5,757 |
| Net charge-offs to loans | 1.1120% | 160 |
| Credit loss provision to net charge-offs | -135.3823% | 5,097 |
| Earnings coverage of net charge-offs (x) | -1.6627% | 4,072 |
| Efficiency ratio | 134.9512% | 62 |
| Assets per employee ($millions) | 4.7313% | 2,652 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6403% | 1,637 |
| Loan loss allowance to noncurrent loans | 13.6211% | 5,636 |
| Noncurrent assets plus other real estate owned to assets | 7.7569% | 88 |
| Noncurrent loans to loans | 12.0421% | 30 |
| Net loans and leases to total assets | 48.4602% | 5,049 |
| Net loans and leases to deposits | 62.5868% | 4,672 |
| Net loans and leases to core deposits | 65.4693% | 4,730 |
| Total domestic deposits to total assets | 77.4288% | 5,276 |
| Equity capital to assets | 22.4942% | 140 |
| Core capital (leverage) ratio | 20.2749% | 196 |
| Tier 1 risk-based capital ratio | 45.4657% | 179 |
| Total risk-based capital ratio | 46.7552% | 174 |
| Memoranda: | ||
| Average total assets | $162,107,250 | 3,441 |
| Average earning assets | $148,515,750 | 3,457 |
| Average equity | $35,977,000 | 1,992 |
| Average total loans | $79,976,500 | 3,859 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7281% | 6,062 |
| Cost of funding earning assets | 0.1732% | 5,663 |
| Net interest margin | 2.5549% | 5,920 |
| Noninterest income to average assets | 0.2572% | 5,115 |
| Noninterest expense to average assets | 3.6131% | 1,105 |
| Loan and lease loss provision to assets | 0.1428% | 1,529 |
| Net operating income to assets | -1.1998% | 6,275 |
| Return on assets (ROA) | -1.1998% | 6,276 |
| Pretax return on assets | -1.1568% | 6,267 |
| Return on Equity (ROE) | -5.4306% | 6,199 |
| Retained earnings to average equity (ytd only) | -5.4306% | 6,041 |
| Net charge-offs to loans | 1.6605% | 93 |
| Credit loss provision to net charge-offs | 17.4174% | 3,041 |
| Earnings coverage of net charge-offs (x) | -1.2372% | 3,774 |
| Efficiency ratio | 139.0152% | 61 |
| Assets per employee ($millions) | 4.9105% | 2,385 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9568% | 279 |
| Loan loss allowance to noncurrent loans | 23.7851% | 5,623 |
| Noncurrent assets plus other real estate owned to assets | 7.9452% | 94 |
| Noncurrent loans to loans | 12.4313% | 32 |
| Net loans and leases to total assets | 46.9882% | 5,177 |
| Net loans and leases to deposits | 60.2116% | 4,834 |
| Net loans and leases to core deposits | 62.9520% | 4,879 |
| Total domestic deposits to total assets | 78.0385% | 5,279 |
| Equity capital to assets | 21.8616% | 160 |
| Core capital (leverage) ratio | 19.7277% | 215 |
| Tier 1 risk-based capital ratio | 44.7147% | 201 |
| Total risk-based capital ratio | 46.0249% | 198 |
| Memoranda: | ||
| Average total assets | $162,521,670 | 3,460 |
| Average earning assets | $148,966,000 | 3,471 |
| Average equity | $35,907,670 | 2,005 |
| Average total loans | $80,217,000 | 3,870 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7142% | 6,126 |
| Cost of funding earning assets | 0.1743% | 5,728 |
| Net interest margin | 2.5399% | 5,974 |
| Noninterest income to average assets | 0.3490% | 4,409 |
| Noninterest expense to average assets | 4.0280% | 667 |
| Loan and lease loss provision to assets | 0.1032% | 1,976 |
| Net operating income to assets | -1.4647% | 6,350 |
| Return on assets (ROA) | -1.4647% | 6,353 |
| Pretax return on assets | -1.4549% | 6,346 |
| Return on Equity (ROE) | -6.5950% | 6,289 |
| Retained earnings to average equity (ytd only) | -6.5950% | 6,020 |
| Net charge-offs to loans | 2.4268% | 66 |
| Credit loss provision to net charge-offs | 8.5366% | 2,438 |
| Earnings coverage of net charge-offs (x) | -1.1179% | 3,180 |
| Efficiency ratio | 150.5051% | 49 |
| Assets per employee ($millions) | 4.5971% | 2,907 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9366% | 320 |
| Loan loss allowance to noncurrent loans | 24.4025% | 5,659 |
| Noncurrent assets plus other real estate owned to assets | 8.0002% | 101 |
| Noncurrent loans to loans | 12.0340% | 38 |
| Net loans and leases to total assets | 48.3326% | 4,999 |
| Net loans and leases to deposits | 61.7625% | 4,596 |
| Net loans and leases to core deposits | 64.6347% | 4,643 |
| Total domestic deposits to total assets | 78.2555% | 5,403 |
| Equity capital to assets | 21.6677% | 162 |
| Core capital (leverage) ratio | 20.0335% | 203 |
| Tier 1 risk-based capital ratio | 43.8406% | 209 |
| Total risk-based capital ratio | 45.1795% | 210 |
| Memoranda: | ||
| Average total assets | $162,759,000 | 3,472 |
| Average earning assets | $149,141,500 | 3,480 |
| Average equity | $36,148,500 | 2,002 |
| Average total loans | $81,094,000 | 3,857 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9320% | 6,108 |
| Cost of funding earning assets | 0.2355% | 5,464 |
| Net interest margin | 2.6965% | 5,945 |
| Noninterest income to average assets | 0.3044% | 4,939 |
| Noninterest expense to average assets | 3.7993% | 989 |
| Loan and lease loss provision to assets | 1.0600% | 97 |
| Net operating income to assets | -1.2526% | 6,408 |
| Return on assets (ROA) | -1.2526% | 6,409 |
| Pretax return on assets | -2.1043% | 6,449 |
| Return on Equity (ROE) | -5.4341% | 6,298 |
| Retained earnings to average equity (ytd only) | -5.4341% | 6,196 |
| Net charge-offs to loans | 0.4033% | 1,064 |
| Credit loss provision to net charge-offs | 513.3739% | 510 |
| Earnings coverage of net charge-offs (x) | -5.0578% | 4,889 |
| Efficiency ratio | 137.9043% | 73 |
| Assets per employee ($millions) | 4.2111% | 3,518 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5974% | 172 |
| Loan loss allowance to noncurrent loans | 24.6458% | 5,761 |
| Noncurrent assets plus other real estate owned to assets | 8.6769% | 101 |
| Noncurrent loans to loans | 14.5964% | 26 |
| Net loans and leases to total assets | 48.0618% | 5,149 |
| Net loans and leases to deposits | 62.3066% | 4,700 |
| Net loans and leases to core deposits | 65.3458% | 4,720 |
| Total domestic deposits to total assets | 77.1377% | 5,576 |
| Equity capital to assets | 22.7705% | 136 |
| Core capital (leverage) ratio | 20.7684% | 182 |
| Tier 1 risk-based capital ratio | 45.1023% | 176 |
| Total risk-based capital ratio | 46.3853% | 175 |
| Memoranda: | ||
| Average total assets | $159,343,800 | 3,500 |
| Average earning assets | $144,816,400 | 3,526 |
| Average equity | $36,731,200 | 1,913 |
| Average total loans | $81,568,200 | 3,835 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0278% | 6,110 |
| Cost of funding earning assets | 0.2492% | 5,419 |
| Net interest margin | 2.7786% | 5,897 |
| Noninterest income to average assets | 0.0754% | 6,322 |
| Noninterest expense to average assets | 4.3314% | 540 |
| Loan and lease loss provision to assets | 0.7262% | 173 |
| Net operating income to assets | -2.4677% | 6,545 |
| Return on assets (ROA) | -2.4677% | 6,546 |
| Pretax return on assets | -2.4610% | 6,543 |
| Return on Equity (ROE) | -10.6723% | 6,448 |
| Retained earnings to average equity (ytd only) | -10.6723% | 6,385 |
| Net charge-offs to loans | 0.4779% | 825 |
| Credit loss provision to net charge-offs | 294.8980% | 920 |
| Earnings coverage of net charge-offs (x) | -7.0442% | 4,621 |
| Efficiency ratio | 166.8065% | 39 |
| Assets per employee ($millions) | 4.5555% | 2,873 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5846% | 587 |
| Loan loss allowance to noncurrent loans | 20.4979% | 5,923 |
| Noncurrent assets plus other real estate owned to assets | 8.4331% | 120 |
| Noncurrent loans to loans | 12.6090% | 49 |
| Net loans and leases to total assets | 49.2399% | 5,084 |
| Net loans and leases to deposits | 63.4393% | 4,600 |
| Net loans and leases to core deposits | 65.4681% | 4,757 |
| Total domestic deposits to total assets | 77.6172% | 5,591 |
| Equity capital to assets | 22.2605% | 154 |
| Core capital (leverage) ratio | 20.7818% | 185 |
| Tier 1 risk-based capital ratio | 43.2762% | 199 |
| Total risk-based capital ratio | 44.5440% | 195 |
| Memoranda: | ||
| Average total assets | $159,174,000 | 3,529 |
| Average earning assets | $144,435,000 | 3,565 |
| Average equity | $36,804,500 | 1,917 |
| Average total loans | $82,015,250 | 3,846 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0665% | 6,111 |
| Cost of funding earning assets | 0.2504% | 5,480 |
| Net interest margin | 2.8161% | 5,869 |
| Noninterest income to average assets | 0.1069% | 6,266 |
| Noninterest expense to average assets | 4.1010% | 676 |
| Loan and lease loss provision to assets | 1.1755% | 80 |
| Net operating income to assets | -2.6150% | 6,619 |
| Return on assets (ROA) | -2.6150% | 6,619 |
| Pretax return on assets | -2.6099% | 6,614 |
| Return on Equity (ROE) | -11.1703% | 6,525 |
| Retained earnings to average equity (ytd only) | -11.1703% | 6,444 |
| Net charge-offs to loans | 0.9529% | 374 |
| Credit loss provision to net charge-offs | 237.9135% | 1,026 |
| Earnings coverage of net charge-offs (x) | -2.9033% | 4,264 |
| Efficiency ratio | 153.7954% | 52 |
| Assets per employee ($millions) | 4.5843% | 2,790 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5101% | 697 |
| Loan loss allowance to noncurrent loans | 21.0916% | 5,977 |
| Noncurrent assets plus other real estate owned to assets | 8.4855% | 124 |
| Noncurrent loans to loans | 11.9011% | 47 |
| Net loans and leases to total assets | 49.6709% | 4,994 |
| Net loans and leases to deposits | 64.3377% | 4,466 |
| Net loans and leases to core deposits | 66.3887% | 4,605 |
| Total domestic deposits to total assets | 77.2035% | 5,777 |
| Equity capital to assets | 22.6918% | 131 |
| Core capital (leverage) ratio | 21.5465% | 144 |
| Tier 1 risk-based capital ratio | 43.4946% | 194 |
| Total risk-based capital ratio | 44.7620% | 188 |
| Memoranda: | ||
| Average total assets | $159,084,000 | 3,549 |
| Average earning assets | $144,595,670 | 3,587 |
| Average equity | $37,241,670 | 1,890 |
| Average total loans | $82,489,330 | 3,844 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1027% | 6,117 |
| Cost of funding earning assets | 0.2457% | 5,627 |
| Net interest margin | 2.8571% | 5,837 |
| Noninterest income to average assets | 0.0783% | 6,400 |
| Noninterest expense to average assets | 5.5833% | 226 |
| Loan and lease loss provision to assets | 1.5530% | 61 |
| Net operating income to assets | -4.4444% | 6,705 |
| Return on assets (ROA) | -4.4444% | 6,705 |
| Pretax return on assets | -4.4444% | 6,703 |
| Return on Equity (ROE) | -18.6946% | 6,621 |
| Retained earnings to average equity (ytd only) | -18.6946% | 6,515 |
| Net charge-offs to loans | 0.2124% | 1,481 |
| Credit loss provision to net charge-offs | 1,397.7273% | 241 |
| Earnings coverage of net charge-offs (x) | -26.0227% | 3,626 |
| Efficiency ratio | 207.4109% | 26 |
| Assets per employee ($millions) | 4.6896% | 2,670 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5233% | 796 |
| Loan loss allowance to noncurrent loans | 21.5961% | 6,051 |
| Noncurrent assets plus other real estate owned to assets | 8.4807% | 149 |
| Noncurrent loans to loans | 11.6841% | 68 |
| Net loans and leases to total assets | 50.4186% | 4,863 |
| Net loans and leases to deposits | 65.5875% | 4,138 |
| Net loans and leases to core deposits | 67.4260% | 4,364 |
| Total domestic deposits to total assets | 76.8723% | 5,981 |
| Equity capital to assets | 23.0562% | 124 |
| Core capital (leverage) ratio | 21.6577% | 141 |
| Tier 1 risk-based capital ratio | 43.5215% | 190 |
| Total risk-based capital ratio | 44.7885% | 189 |
| Memoranda: | ||
| Average total assets | $158,401,000 | 3,585 |
| Average earning assets | $144,904,000 | 3,607 |
| Average equity | $37,658,000 | 1,865 |
| Average total loans | $82,859,500 | 3,864 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2591% | 6,059 |
| Cost of funding earning assets | 0.2711% | 5,823 |
| Net interest margin | 2.9880% | 5,606 |
| Noninterest income to average assets | 0.1593% | 6,136 |
| Noninterest expense to average assets | 3.5840% | 1,474 |
| Loan and lease loss provision to assets | 0.7309% | 305 |
| Net operating income to assets | -0.8593% | 6,579 |
| Return on assets (ROA) | -0.8593% | 6,580 |
| Pretax return on assets | -1.4482% | 6,659 |
| Return on Equity (ROE) | -3.5550% | 6,447 |
| Retained earnings to average equity (ytd only) | -3.5550% | 6,297 |
| Net charge-offs to loans | 1.1454% | 475 |
| Credit loss provision to net charge-offs | 121.8107% | 1,956 |
| Earnings coverage of net charge-offs (x) | -1.1955% | 5,279 |
| Efficiency ratio | 125.0215% | 148 |
| Assets per employee ($millions) | 4.6281% | 2,687 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8139% | 2,023 |
| Loan loss allowance to noncurrent loans | 13.4425% | 6,256 |
| Noncurrent assets plus other real estate owned to assets | 8.6523% | 165 |
| Noncurrent loans to loans | 13.4934% | 50 |
| Net loans and leases to total assets | 51.9443% | 4,861 |
| Net loans and leases to deposits | 68.8755% | 3,923 |
| Net loans and leases to core deposits | 70.8682% | 4,202 |
| Total domestic deposits to total assets | 75.4177% | 6,149 |
| Equity capital to assets | 24.5010% | 102 |
| Core capital (leverage) ratio | 22.9657% | 117 |
| Tier 1 risk-based capital ratio | 45.7904% | 161 |
| Total risk-based capital ratio | 47.0486% | 159 |
| Memoranda: | ||
| Average total assets | $161,999,400 | 3,529 |
| Average earning assets | $146,789,600 | 3,559 |
| Average equity | $39,155,800 | 1,786 |
| Average total loans | $84,858,600 | 3,799 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3048% | 6,054 |
| Cost of funding earning assets | 0.2740% | 5,930 |
| Net interest margin | 3.0308% | 5,516 |
| Noninterest income to average assets | 0.2280% | 5,801 |
| Noninterest expense to average assets | 2.9051% | 3,291 |
| Loan and lease loss provision to assets | 0.9675% | 173 |
| Net operating income to assets | -0.9062% | 6,694 |
| Return on assets (ROA) | -0.9062% | 6,699 |
| Pretax return on assets | -0.9062% | 6,682 |
| Return on Equity (ROE) | -3.7618% | 6,560 |
| Retained earnings to average equity (ytd only) | -3.7618% | 6,422 |
| Net charge-offs to loans | 0.7475% | 799 |
| Credit loss provision to net charge-offs | 247.6987% | 996 |
| Earnings coverage of net charge-offs (x) | 0.1569% | 4,809 |
| Efficiency ratio | 97.9339% | 531 |
| Assets per employee ($millions) | 4.5107% | 2,868 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3643% | 1,088 |
| Loan loss allowance to noncurrent loans | 17.8228% | 6,292 |
| Noncurrent assets plus other real estate owned to assets | 8.4792% | 201 |
| Noncurrent loans to loans | 13.2655% | 63 |
| Net loans and leases to total assets | 50.9631% | 5,008 |
| Net loans and leases to deposits | 67.1249% | 4,162 |
| Net loans and leases to core deposits | 68.7037% | 4,467 |
| Total domestic deposits to total assets | 75.9228% | 6,179 |
| Equity capital to assets | 23.9744% | 107 |
| Core capital (leverage) ratio | 23.4513% | 107 |
| Tier 1 risk-based capital ratio | 46.3199% | 158 |
| Total risk-based capital ratio | 47.5851% | 159 |
| Memoranda: | ||
| Average total assets | $163,160,000 | 3,550 |
| Average earning assets | $147,417,750 | 3,584 |
| Average equity | $39,306,250 | 1,788 |
| Average total loans | $85,261,250 | 3,831 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3483% | 6,006 |
| Cost of funding earning assets | 0.2768% | 6,006 |
| Net interest margin | 3.0715% | 5,362 |
| Noninterest income to average assets | 0.2056% | 5,972 |
| Noninterest expense to average assets | 2.8810% | 3,400 |
| Loan and lease loss provision to assets | 1.4490% | 93 |
| Net operating income to assets | -1.3536% | 6,794 |
| Return on assets (ROA) | -1.3536% | 6,798 |
| Pretax return on assets | -1.3536% | 6,788 |
| Return on Equity (ROE) | -5.6098% | 6,650 |
| Retained earnings to average equity (ytd only) | -5.6098% | 6,494 |
| Net charge-offs to loans | 0.7913% | 792 |
| Credit loss provision to net charge-offs | 350.2959% | 743 |
| Earnings coverage of net charge-offs (x) | 0.2308% | 4,468 |
| Efficiency ratio | 96.7928% | 624 |
| Assets per employee ($millions) | 4.3891% | 3,011 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5171% | 967 |
| Loan loss allowance to noncurrent loans | 22.6399% | 6,247 |
| Noncurrent assets plus other real estate owned to assets | 7.5605% | 295 |
| Noncurrent loans to loans | 11.1178% | 114 |
| Net loans and leases to total assets | 51.1309% | 4,983 |
| Net loans and leases to deposits | 67.4062% | 4,088 |
| Net loans and leases to core deposits | 69.1883% | 4,366 |
| Total domestic deposits to total assets | 75.8548% | 6,265 |
| Equity capital to assets | 24.0011% | 99 |
| Core capital (leverage) ratio | 23.4521% | 101 |
| Tier 1 risk-based capital ratio | 45.6365% | 163 |
| Total risk-based capital ratio | 46.9031% | 163 |
| Memoranda: | ||
| Average total assets | $163,418,000 | 3,566 |
| Average earning assets | $147,419,000 | 3,605 |
| Average equity | $39,431,330 | 1,783 |
| Average total loans | $85,428,000 | 3,839 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3672% | 6,008 |
| Cost of funding earning assets | 0.2799% | 6,109 |
| Net interest margin | 3.0873% | 5,312 |
| Noninterest income to average assets | 0.0537% | 6,719 |
| Noninterest expense to average assets | 3.3478% | 1,964 |
| Loan and lease loss provision to assets | 2.4084% | 45 |
| Net operating income to assets | -2.9037% | 6,962 |
| Return on assets (ROA) | -2.9037% | 6,964 |
| Pretax return on assets | -2.9037% | 6,959 |
| Return on Equity (ROE) | -12.0025% | 6,837 |
| Retained earnings to average equity (ytd only) | -12.0025% | 6,682 |
| Net charge-offs to loans | 1.1361% | 524 |
| Credit loss provision to net charge-offs | 406.1728% | 629 |
| Earnings coverage of net charge-offs (x) | -0.8354% | 3,953 |
| Efficiency ratio | 117.3653% | 237 |
| Assets per employee ($millions) | 4.3348% | 3,270 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3908% | 1,261 |
| Loan loss allowance to noncurrent loans | 23.0344% | 6,262 |
| Noncurrent assets plus other real estate owned to assets | 7.3644% | 368 |
| Noncurrent loans to loans | 10.3791% | 198 |
| Net loans and leases to total assets | 50.6119% | 4,908 |
| Net loans and leases to deposits | 66.4033% | 4,002 |
| Net loans and leases to core deposits | 68.1228% | 4,289 |
| Total domestic deposits to total assets | 76.2190% | 6,342 |
| Equity capital to assets | 23.6966% | 109 |
| Core capital (leverage) ratio | 23.0503% | 112 |
| Tier 1 risk-based capital ratio | 45.1227% | 165 |
| Total risk-based capital ratio | 46.3873% | 165 |
| Memoranda: | ||
| Average total assets | $163,928,500 | 3,595 |
| Average earning assets | $148,611,000 | 3,618 |
| Average equity | $39,658,500 | 1,795 |
| Average total loans | $85,552,500 | 3,854 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7045% | 6,042 |
| Cost of funding earning assets | 0.3461% | 6,240 |
| Net interest margin | 3.3584% | 5,042 |
| Noninterest income to average assets | 0.1303% | 6,388 |
| Noninterest expense to average assets | 3.6901% | 1,431 |
| Loan and lease loss provision to assets | 0.4704% | 1,322 |
| Net operating income to assets | -0.4995% | 6,567 |
| Return on assets (ROA) | -0.4995% | 6,607 |
| Pretax return on assets | -0.9749% | 6,727 |
| Return on Equity (ROE) | -1.9910% | 6,452 |
| Retained earnings to average equity (ytd only) | -1.9910% | 6,154 |
| Net charge-offs to loans | 0.8808% | 1,297 |
| Credit loss provision to net charge-offs | 98.0695% | 3,164 |
| Earnings coverage of net charge-offs (x) | -1.0515% | 5,762 |
| Efficiency ratio | 115.8333% | 250 |
| Assets per employee ($millions) | 4.4090% | 3,129 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5147% | 3,687 |
| Loan loss allowance to noncurrent loans | 18.2278% | 6,429 |
| Noncurrent assets plus other real estate owned to assets | 6.6461% | 491 |
| Noncurrent loans to loans | 8.3099% | 341 |
| Net loans and leases to total assets | 51.7339% | 4,964 |
| Net loans and leases to deposits | 68.7715% | 3,868 |
| Net loans and leases to core deposits | 70.7940% | 4,193 |
| Total domestic deposits to total assets | 75.2257% | 6,427 |
| Equity capital to assets | 24.6933% | 103 |
| Core capital (leverage) ratio | 24.4362% | 100 |
| Tier 1 risk-based capital ratio | 46.1310% | 162 |
| Total risk-based capital ratio | 47.3848% | 162 |
| Memoranda: | ||
| Average total assets | $161,972,600 | 3,582 |
| Average earning assets | $147,360,000 | 3,599 |
| Average equity | $40,633,600 | 1,716 |
| Average total loans | $88,220,200 | 3,790 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7397% | 6,151 |
| Cost of funding earning assets | 0.3618% | 6,322 |
| Net interest margin | 3.3779% | 5,104 |
| Noninterest income to average assets | 0.1352% | 6,466 |
| Noninterest expense to average assets | 3.6416% | 1,471 |
| Loan and lease loss provision to assets | 0.6284% | 844 |
| Net operating income to assets | -1.0547% | 6,874 |
| Return on assets (ROA) | -1.0547% | 6,898 |
| Pretax return on assets | -1.0547% | 6,880 |
| Return on Equity (ROE) | -4.1877% | 6,685 |
| Retained earnings to average equity (ytd only) | -4.1877% | 6,565 |
| Net charge-offs to loans | 1.1029% | 922 |
| Credit loss provision to net charge-offs | 103.6735% | 2,841 |
| Earnings coverage of net charge-offs (x) | -0.7034% | 5,536 |
| Efficiency ratio | 113.2598% | 250 |
| Assets per employee ($millions) | 4.5067% | 2,903 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5650% | 3,671 |
| Loan loss allowance to noncurrent loans | 17.8310% | 6,541 |
| Noncurrent assets plus other real estate owned to assets | 6.7924% | 537 |
| Noncurrent loans to loans | 8.7771% | 329 |
| Net loans and leases to total assets | 51.9483% | 5,055 |
| Net loans and leases to deposits | 68.9867% | 4,032 |
| Net loans and leases to core deposits | 71.0231% | 4,373 |
| Total domestic deposits to total assets | 75.3020% | 6,476 |
| Equity capital to assets | 24.5815% | 113 |
| Core capital (leverage) ratio | 23.9783% | 108 |
| Tier 1 risk-based capital ratio | 46.0133% | 168 |
| Total risk-based capital ratio | 47.2673% | 167 |
| Memoranda: | ||
| Average total assets | $161,682,500 | 3,620 |
| Average earning assets | $147,423,500 | 3,636 |
| Average equity | $40,721,250 | 1,731 |
| Average total loans | $88,852,000 | 3,821 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8219% | 6,093 |
| Cost of funding earning assets | 0.3887% | 6,336 |
| Net interest margin | 3.4332% | 4,954 |
| Noninterest income to average assets | 0.1697% | 6,331 |
| Noninterest expense to average assets | 3.4490% | 1,910 |
| Loan and lease loss provision to assets | 0.6328% | 919 |
| Net operating income to assets | -0.7839% | 6,852 |
| Return on assets (ROA) | -0.7839% | 6,876 |
| Pretax return on assets | -0.7839% | 6,845 |
| Return on Equity (ROE) | -3.0877% | 6,678 |
| Retained earnings to average equity (ytd only) | -3.0877% | 6,475 |
| Net charge-offs to loans | 0.6427% | 1,712 |
| Credit loss provision to net charge-offs | 176.8166% | 1,592 |
| Earnings coverage of net charge-offs (x) | -0.4221% | 5,217 |
| Efficiency ratio | 104.5813% | 423 |
| Assets per employee ($millions) | 4.6337% | 2,660 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7599% | 2,985 |
| Loan loss allowance to noncurrent loans | 22.0103% | 6,462 |
| Noncurrent assets plus other real estate owned to assets | 6.8294% | 583 |
| Noncurrent loans to loans | 7.9958% | 432 |
| Net loans and leases to total assets | 52.8339% | 4,981 |
| Net loans and leases to deposits | 70.6263% | 3,802 |
| Net loans and leases to core deposits | 72.5673% | 4,232 |
| Total domestic deposits to total assets | 74.8076% | 6,601 |
| Equity capital to assets | 25.0068% | 102 |
| Core capital (leverage) ratio | 24.4790% | 101 |
| Tier 1 risk-based capital ratio | 45.9974% | 162 |
| Total risk-based capital ratio | 47.2548% | 161 |
| Memoranda: | ||
| Average total assets | $161,496,670 | 3,633 |
| Average earning assets | $147,153,000 | 3,653 |
| Average equity | $41,001,330 | 1,706 |
| Average total loans | $89,929,000 | 3,807 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9340% | 5,937 |
| Cost of funding earning assets | 0.3994% | 6,414 |
| Net interest margin | 3.5346% | 4,547 |
| Noninterest income to average assets | 0.1564% | 6,454 |
| Noninterest expense to average assets | 3.0455% | 3,095 |
| Loan and lease loss provision to assets | 0.1911% | 3,040 |
| Net operating income to assets | 0.0894% | 6,258 |
| Return on assets (ROA) | 0.0894% | 6,382 |
| Pretax return on assets | 0.1489% | 6,295 |
| Return on Equity (ROE) | 0.3493% | 6,469 |
| Retained earnings to average equity (ytd only) | 0.3493% | 5,878 |
| Net charge-offs to loans | 0.8107% | 1,268 |
| Credit loss provision to net charge-offs | 41.6216% | 3,431 |
| Earnings coverage of net charge-offs (x) | 0.7405% | 3,961 |
| Efficiency ratio | 89.9560% | 1,102 |
| Assets per employee ($millions) | 4.2682% | 3,459 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3539% | 4,787 |
| Loan loss allowance to noncurrent loans | 25.2674% | 6,369 |
| Noncurrent assets plus other real estate owned to assets | 5.4905% | 894 |
| Noncurrent loans to loans | 5.3585% | 1,010 |
| Net loans and leases to total assets | 54.1303% | 4,701 |
| Net loans and leases to deposits | 72.7416% | 3,311 |
| Net loans and leases to core deposits | 74.7488% | 3,795 |
| Total domestic deposits to total assets | 74.4146% | 6,708 |
| Equity capital to assets | 25.3906% | 96 |
| Core capital (leverage) ratio | 24.5688% | 102 |
| Tier 1 risk-based capital ratio | 45.9006% | 157 |
| Total risk-based capital ratio | 47.1528% | 158 |
| Memoranda: | ||
| Average total assets | $161,155,000 | 3,661 |
| Average earning assets | $147,228,500 | 3,678 |
| Average equity | $41,224,000 | 1,687 |
| Average total loans | $91,283,000 | 3,797 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0006% | 6,450 |
| Cost of funding earning assets | 0.4640% | 6,684 |
| Net interest margin | 3.5366% | 4,993 |
| Noninterest income to average assets | 0.1674% | 6,289 |
| Noninterest expense to average assets | 2.7235% | 4,649 |
| Loan and lease loss provision to assets | 0.4053% | 2,566 |
| Net operating income to assets | 0.1290% | 5,796 |
| Return on assets (ROA) | 0.1290% | 5,924 |
| Pretax return on assets | 0.3134% | 5,523 |
| Return on Equity (ROE) | 0.5126% | 6,058 |
| Retained earnings to average equity (ytd only) | -0.4545% | 5,925 |
| Net charge-offs to loans | 1.0678% | 1,616 |
| Credit loss provision to net charge-offs | 65.2941% | 5,017 |
| Earnings coverage of net charge-offs (x) | 1.1578% | 4,923 |
| Efficiency ratio | 79.1195% | 2,424 |
| Assets per employee ($millions) | 4.1056% | 3,634 |
| Cash dividends to net income (ytd only)* | 188.6792% | 92 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4033% | 4,440 |
| Loan loss allowance to noncurrent loans | 26.6113% | 6,368 |
| Noncurrent assets plus other real estate owned to assets | 5.6270% | 901 |
| Noncurrent loans to loans | 5.2732% | 1,031 |
| Net loans and leases to total assets | 57.6155% | 4,442 |
| Net loans and leases to deposits | 78.1033% | 2,824 |
| Net loans and leases to core deposits | 80.6029% | 3,372 |
| Total domestic deposits to total assets | 73.7684% | 6,738 |
| Equity capital to assets | 25.7725% | 95 |
| Core capital (leverage) ratio | 24.8635% | 104 |
| Tier 1 risk-based capital ratio | 45.2604% | 165 |
| Total risk-based capital ratio | 46.5131% | 165 |
| Memoranda: | ||
| Average total assets | $164,308,600 | 3,574 |
| Average earning assets | $152,150,400 | 3,545 |
| Average equity | $41,360,800 | 1,624 |
| Average total loans | $95,523,600 | 3,733 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9774% | 6,623 |
| Cost of funding earning assets | 0.4826% | 6,775 |
| Net interest margin | 3.4948% | 5,217 |
| Noninterest income to average assets | 0.1742% | 6,343 |
| Noninterest expense to average assets | 2.6560% | 4,882 |
| Loan and lease loss provision to assets | 0.2233% | 3,776 |
| Net operating income to assets | 0.3209% | 5,320 |
| Return on assets (ROA) | 0.3209% | 5,493 |
| Pretax return on assets | 0.5354% | 5,021 |
| Return on Equity (ROE) | 1.2823% | 6,000 |
| Retained earnings to average equity (ytd only) | 0.9601% | 5,620 |
| Net charge-offs to loans | 1.3956% | 1,079 |
| Credit loss provision to net charge-offs | 27.5622% | 5,450 |
| Earnings coverage of net charge-offs (x) | 0.9363% | 4,925 |
| Efficiency ratio | 77.7804% | 2,570 |
| Assets per employee ($millions) | 4.3180% | 3,244 |
| Cash dividends to net income (ytd only)* | 25.1258% | 2,710 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0043% | 6,245 |
| Loan loss allowance to noncurrent loans | 17.3889% | 6,758 |
| Noncurrent assets plus other real estate owned to assets | 5.5733% | 993 |
| Noncurrent loans to loans | 5.7755% | 992 |
| Net loans and leases to total assets | 56.4092% | 4,775 |
| Net loans and leases to deposits | 76.0176% | 3,329 |
| Net loans and leases to core deposits | 78.0851% | 3,895 |
| Total domestic deposits to total assets | 74.2054% | 6,732 |
| Equity capital to assets | 25.4557% | 115 |
| Core capital (leverage) ratio | 24.1007% | 122 |
| Tier 1 risk-based capital ratio | 44.9983% | 181 |
| Total risk-based capital ratio | 46.0621% | 178 |
| Memoranda: | ||
| Average total assets | $165,355,750 | 3,583 |
| Average earning assets | $153,330,750 | 3,544 |
| Average equity | $41,384,250 | 1,629 |
| Average total loans | $96,012,750 | 3,757 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9655% | 6,716 |
| Cost of funding earning assets | 0.4839% | 6,896 |
| Net interest margin | 3.4816% | 5,237 |
| Noninterest income to average assets | 0.1858% | 6,333 |
| Noninterest expense to average assets | 2.5938% | 5,217 |
| Loan and lease loss provision to assets | 0.1206% | 4,771 |
| Net operating income to assets | 0.4307% | 4,807 |
| Return on assets (ROA) | 0.4307% | 4,954 |
| Pretax return on assets | 0.7178% | 4,327 |
| Return on Equity (ROE) | 1.7307% | 5,881 |
| Retained earnings to average equity (ytd only) | 1.2459% | 5,358 |
| Net charge-offs to loans | -0.0165% | 6,786 |
| Credit loss provision to net charge-offs | -1,250.0000% | 6,625 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5712% | 3,094 |
| Assets per employee ($millions) | 4.3863% | 3,016 |
| Cash dividends to net income (ytd only)* | 28.0112% | 2,548 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8568% | 2,811 |
| Loan loss allowance to noncurrent loans | 30.0085% | 6,260 |
| Noncurrent assets plus other real estate owned to assets | 5.6929% | 1,017 |
| Noncurrent loans to loans | 6.1876% | 939 |
| Net loans and leases to total assets | 56.2875% | 4,945 |
| Net loans and leases to deposits | 75.1594% | 3,623 |
| Net loans and leases to core deposits | 77.1464% | 4,170 |
| Total domestic deposits to total assets | 74.8908% | 6,739 |
| Equity capital to assets | 24.8740% | 127 |
| Core capital (leverage) ratio | 24.2518% | 122 |
| Tier 1 risk-based capital ratio | 45.5681% | 173 |
| Total risk-based capital ratio | 46.8278% | 171 |
| Memoranda: | ||
| Average total assets | $165,779,330 | 3,598 |
| Average earning assets | $154,582,670 | 3,552 |
| Average equity | $41,256,000 | 1,625 |
| Average total loans | $96,851,000 | 3,775 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0199% | 6,660 |
| Cost of funding earning assets | 0.4979% | 6,977 |
| Net interest margin | 3.5220% | 4,908 |
| Noninterest income to average assets | 0.4549% | 4,236 |
| Noninterest expense to average assets | 2.6347% | 5,097 |
| Loan and lease loss provision to assets | 0.2419% | 3,256 |
| Net operating income to assets | 0.5178% | 4,415 |
| Return on assets (ROA) | 0.5178% | 4,500 |
| Pretax return on assets | 0.8637% | 3,650 |
| Return on Equity (ROE) | 2.0800% | 5,759 |
| Retained earnings to average equity (ytd only) | 2.0800% | 4,892 |
| Net charge-offs to loans | -0.0082% | 6,317 |
| Credit loss provision to net charge-offs | -5,000.0000% | 6,370 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4398% | 4,174 |
| Assets per employee ($millions) | 4.3697% | 3,090 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8539% | 2,847 |
| Loan loss allowance to noncurrent loans | 31.1883% | 6,224 |
| Noncurrent assets plus other real estate owned to assets | 5.5682% | 1,078 |
| Noncurrent loans to loans | 5.9442% | 1,069 |
| Net loans and leases to total assets | 56.4002% | 4,928 |
| Net loans and leases to deposits | 75.2050% | 3,554 |
| Net loans and leases to core deposits | 77.5303% | 4,083 |
| Total domestic deposits to total assets | 74.9953% | 6,794 |
| Equity capital to assets | 24.8234% | 119 |
| Core capital (leverage) ratio | 23.7813% | 127 |
| Tier 1 risk-based capital ratio | 44.7809% | 176 |
| Total risk-based capital ratio | 46.0400% | 175 |
| Memoranda: | ||
| Average total assets | $165,329,000 | 3,629 |
| Average earning assets | $154,232,500 | 3,577 |
| Average equity | $41,154,000 | 1,621 |
| Average total loans | $97,479,000 | 3,791 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8763% | 7,216 |
| Cost of funding earning assets | 0.5988% | 7,135 |
| Net interest margin | 3.2775% | 6,047 |
| Noninterest income to average assets | 0.1562% | 6,606 |
| Noninterest expense to average assets | 2.3584% | 6,198 |
| Loan and lease loss provision to assets | 0.1183% | 5,975 |
| Net operating income to assets | 0.4596% | 4,270 |
| Return on assets (ROA) | 0.4596% | 4,439 |
| Pretax return on assets | 0.7583% | 3,765 |
| Return on Equity (ROE) | 1.8966% | 5,428 |
| Retained earnings to average equity (ytd only) | 0.8714% | 5,112 |
| Net charge-offs to loans | 0.1342% | 5,572 |
| Credit loss provision to net charge-offs | 155.0388% | 2,280 |
| Earnings coverage of net charge-offs (x) | 11.4884% | 1,604 |
| Efficiency ratio | 72.9018% | 3,617 |
| Assets per employee ($millions) | 3.9193% | 3,970 |
| Cash dividends to net income (ytd only)* | 54.0541% | 1,886 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6748% | 3,312 |
| Loan loss allowance to noncurrent loans | 19.3973% | 6,832 |
| Noncurrent assets plus other real estate owned to assets | 5.5386% | 1,115 |
| Noncurrent loans to loans | 8.6340% | 560 |
| Net loans and leases to total assets | 59.4560% | 4,762 |
| Net loans and leases to deposits | 79.5116% | 3,255 |
| Net loans and leases to core deposits | 82.3697% | 3,848 |
| Total domestic deposits to total assets | 74.7766% | 6,796 |
| Equity capital to assets | 24.9616% | 125 |
| Core capital (leverage) ratio | 24.4308% | 127 |
| Tier 1 risk-based capital ratio | 44.3468% | 177 |
| Total risk-based capital ratio | 45.6036% | 178 |
| Memoranda: | ||
| Average total assets | $169,055,000 | 3,557 |
| Average earning assets | $158,809,200 | 3,470 |
| Average equity | $40,968,600 | 1,615 |
| Average total loans | $96,098,600 | 3,895 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8754% | 7,359 |
| Cost of funding earning assets | 0.6312% | 7,224 |
| Net interest margin | 3.2443% | 6,193 |
| Noninterest income to average assets | 0.1677% | 6,671 |
| Noninterest expense to average assets | 2.1563% | 6,723 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.6339% | 3,731 |
| Return on assets (ROA) | 0.6339% | 3,898 |
| Pretax return on assets | 1.0562% | 2,978 |
| Return on Equity (ROE) | 2.6348% | 5,372 |
| Retained earnings to average equity (ytd only) | 2.3091% | 4,782 |
| Net charge-offs to loans | 0.1036% | 5,497 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 18.2170% | 1,278 |
| Efficiency ratio | 67.1220% | 4,639 |
| Assets per employee ($millions) | 4.5610% | 2,814 |
| Cash dividends to net income (ytd only)* | 12.3609% | 3,243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6122% | 3,474 |
| Loan loss allowance to noncurrent loans | 18.1450% | 6,973 |
| Noncurrent assets plus other real estate owned to assets | 4.8306% | 1,359 |
| Noncurrent loans to loans | 8.8851% | 546 |
| Net loans and leases to total assets | 50.9113% | 6,229 |
| Net loans and leases to deposits | 66.2962% | 5,632 |
| Net loans and leases to core deposits | 68.5357% | 5,887 |
| Total domestic deposits to total assets | 76.7936% | 6,531 |
| Equity capital to assets | 22.8819% | 172 |
| Core capital (leverage) ratio | 24.0672% | 135 |
| Tier 1 risk-based capital ratio | 46.2610% | 170 |
| Total risk-based capital ratio | 47.5175% | 169 |
| Memoranda: | ||
| Average total assets | $170,166,500 | 3,577 |
| Average earning assets | $159,703,000 | 3,501 |
| Average equity | $40,938,500 | 1,620 |
| Average total loans | $95,239,000 | 3,987 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9103% | 7,418 |
| Cost of funding earning assets | 0.6875% | 7,216 |
| Net interest margin | 3.2228% | 6,248 |
| Noninterest income to average assets | 0.1794% | 6,623 |
| Noninterest expense to average assets | 2.1484% | 6,770 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.6985% | 3,414 |
| Return on assets (ROA) | 0.6985% | 3,568 |
| Pretax return on assets | 1.0682% | 2,879 |
| Return on Equity (ROE) | 2.8523% | 5,310 |
| Retained earnings to average equity (ytd only) | 2.3605% | 4,658 |
| Net charge-offs to loans | 0.0565% | 5,600 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 32.8519% | 859 |
| Efficiency ratio | 66.7915% | 4,822 |
| Assets per employee ($millions) | 4.2401% | 3,317 |
| Cash dividends to net income (ytd only)* | 17.2414% | 2,973 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6459% | 3,268 |
| Loan loss allowance to noncurrent loans | 17.5956% | 7,047 |
| Noncurrent assets plus other real estate owned to assets | 5.5082% | 1,122 |
| Noncurrent loans to loans | 9.3541% | 493 |
| Net loans and leases to total assets | 55.2812% | 5,808 |
| Net loans and leases to deposits | 73.3436% | 4,787 |
| Net loans and leases to core deposits | 75.8762% | 5,209 |
| Total domestic deposits to total assets | 75.3729% | 6,801 |
| Equity capital to assets | 24.3163% | 144 |
| Core capital (leverage) ratio | 24.0075% | 139 |
| Tier 1 risk-based capital ratio | 46.4421% | 175 |
| Total risk-based capital ratio | 47.6992% | 173 |
| Memoranda: | ||
| Average total assets | $166,075,000 | 3,674 |
| Average earning assets | $156,509,000 | 3,586 |
| Average equity | $40,669,330 | 1,626 |
| Average total loans | $95,517,000 | 4,026 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7920% | 7,593 |
| Cost of funding earning assets | 0.7517% | 7,229 |
| Net interest margin | 3.0403% | 6,737 |
| Noninterest income to average assets | -0.1022% | 7,756 |
| Noninterest expense to average assets | 2.3054% | 6,360 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.2751% | 5,398 |
| Return on assets (ROA) | 0.2751% | 5,527 |
| Pretax return on assets | 0.4577% | 5,100 |
| Return on Equity (ROE) | 1.1193% | 6,091 |
| Retained earnings to average equity (ytd only) | 1.1193% | 5,371 |
| Net charge-offs to loans | 0.1171% | 4,273 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 6.7143% | 2,179 |
| Efficiency ratio | 83.4361% | 2,082 |
| Assets per employee ($millions) | 4.0455% | 3,765 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6384% | 3,300 |
| Loan loss allowance to noncurrent loans | 15.8304% | 7,184 |
| Noncurrent assets plus other real estate owned to assets | 6.0119% | 997 |
| Noncurrent loans to loans | 10.3495% | 402 |
| Net loans and leases to total assets | 55.4031% | 5,828 |
| Net loans and leases to deposits | 72.9004% | 4,927 |
| Net loans and leases to core deposits | 74.6089% | 5,436 |
| Total domestic deposits to total assets | 75.9983% | 6,757 |
| Equity capital to assets | 23.8251% | 167 |
| Core capital (leverage) ratio | 24.1365% | 145 |
| Tier 1 risk-based capital ratio | 45.6068% | 180 |
| Total risk-based capital ratio | 46.8639% | 181 |
| Memoranda: | ||
| Average total assets | $164,311,500 | 3,763 |
| Average earning assets | $154,852,000 | 3,675 |
| Average equity | $40,383,500 | 1,659 |
| Average total loans | $95,612,000 | 4,085 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4004% | 7,478 |
| Cost of funding earning assets | 1.0068% | 7,195 |
| Net interest margin | 3.3936% | 5,394 |
| Noninterest income to average assets | 0.1377% | 7,060 |
| Noninterest expense to average assets | 2.8146% | 4,909 |
| Loan and lease loss provision to assets | 0.0352% | 7,187 |
| Net operating income to assets | 0.2626% | 4,672 |
| Return on assets (ROA) | 0.2219% | 4,896 |
| Pretax return on assets | 0.3628% | 4,603 |
| Return on Equity (ROE) | 0.8696% | 5,273 |
| Retained earnings to average equity (ytd only) | -0.4114% | 5,066 |
| Net charge-offs to loans | 0.0398% | 6,716 |
| Credit loss provision to net charge-offs | 147.3684% | 3,188 |
| Earnings coverage of net charge-offs (x) | 19.3158% | 1,088 |
| Efficiency ratio | 85.9144% | 2,124 |
| Assets per employee ($millions) | 3.7788% | 4,324 |
| Cash dividends to net income (ytd only)* | 147.3088% | 293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6709% | 3,002 |
| Loan loss allowance to noncurrent loans | 15.4322% | 7,238 |
| Noncurrent assets plus other real estate owned to assets | 6.9876% | 720 |
| Noncurrent loans to loans | 10.8272% | 353 |
| Net loans and leases to total assets | 59.1790% | 5,466 |
| Net loans and leases to deposits | 79.5856% | 4,072 |
| Net loans and leases to core deposits | 89.7479% | 5,158 |
| Total domestic deposits to total assets | 74.3589% | 6,966 |
| Equity capital to assets | 25.3828% | 155 |
| Core capital (leverage) ratio | 24.8739% | 157 |
| Tier 1 risk-based capital ratio | 45.5825% | 186 |
| Total risk-based capital ratio | 46.8403% | 185 |
| Memoranda: | ||
| Average total assets | $159,061,200 | 3,789 |
| Average earning assets | $147,099,800 | 3,763 |
| Average equity | $40,593,200 | 1,651 |
| Average total loans | $95,487,000 | 4,076 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4731% | 7,539 |
| Cost of funding earning assets | 1.0642% | 7,254 |
| Net interest margin | 3.4088% | 5,226 |
| Noninterest income to average assets | 0.1374% | 7,191 |
| Noninterest expense to average assets | 2.8434% | 4,707 |
| Loan and lease loss provision to assets | 0.0469% | 6,899 |
| Net operating income to assets | 0.2354% | 5,039 |
| Return on assets (ROA) | 0.2354% | 5,117 |
| Pretax return on assets | 0.3921% | 4,818 |
| Return on Equity (ROE) | 0.9212% | 5,518 |
| Retained earnings to average equity (ytd only) | -0.1279% | 5,239 |
| Net charge-offs to loans | 0.0545% | 6,161 |
| Credit loss provision to net charge-offs | 143.5897% | 3,408 |
| Earnings coverage of net charge-offs (x) | 13.4356% | 1,677 |
| Efficiency ratio | 86.6258% | 2,004 |
| Assets per employee ($millions) | 3.9819% | 3,768 |
| Cash dividends to net income (ytd only)* | 113.8793% | 448 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7032% | 2,617 |
| Loan loss allowance to noncurrent loans | 18.2829% | 7,184 |
| Noncurrent assets plus other real estate owned to assets | 5.5320% | 1,031 |
| Noncurrent loans to loans | 9.3155% | 458 |
| Net loans and leases to total assets | 53.7632% | 6,410 |
| Net loans and leases to deposits | 70.5765% | 5,835 |
| Net loans and leases to core deposits | 78.1359% | 6,476 |
| Total domestic deposits to total assets | 76.1773% | 6,552 |
| Equity capital to assets | 23.6639% | 203 |
| Core capital (leverage) ratio | 24.8389% | 173 |
| Tier 1 risk-based capital ratio | 46.9075% | 194 |
| Total risk-based capital ratio | 48.1650% | 194 |
| Memoranda: | ||
| Average total assets | $159,149,000 | 3,811 |
| Average earning assets | $146,831,250 | 3,779 |
| Average equity | $40,670,250 | 1,660 |
| Average total loans | $95,479,000 | 4,104 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6923% | 7,403 |
| Cost of funding earning assets | 1.1182% | 7,330 |
| Net interest margin | 3.5742% | 4,475 |
| Noninterest income to average assets | 0.1573% | 7,149 |
| Noninterest expense to average assets | 3.2980% | 2,968 |
| Loan and lease loss provision to assets | 0.0722% | 6,477 |
| Net operating income to assets | 0.0593% | 5,683 |
| Return on assets (ROA) | 0.0593% | 5,769 |
| Pretax return on assets | 0.0593% | 5,763 |
| Return on Equity (ROE) | 0.2259% | 5,854 |
| Retained earnings to average equity (ytd only) | -1.3457% | 5,578 |
| Net charge-offs to loans | 0.0916% | 5,267 |
| Credit loss provision to net charge-offs | 127.2727% | 3,657 |
| Earnings coverage of net charge-offs (x) | 2.3182% | 3,909 |
| Efficiency ratio | 96.1654% | 1,363 |
| Assets per employee ($millions) | 3.6226% | 4,513 |
| Cash dividends to net income (ytd only)* | 695.6522% | 54 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6742% | 2,431 |
| Loan loss allowance to noncurrent loans | 17.7416% | 7,244 |
| Noncurrent assets plus other real estate owned to assets | 6.0918% | 789 |
| Noncurrent loans to loans | 9.4366% | 388 |
| Net loans and leases to total assets | 58.5850% | 5,890 |
| Net loans and leases to deposits | 78.8478% | 4,725 |
| Net loans and leases to core deposits | 88.2693% | 5,698 |
| Total domestic deposits to total assets | 74.3014% | 6,912 |
| Equity capital to assets | 25.3322% | 194 |
| Core capital (leverage) ratio | 24.9571% | 209 |
| Tier 1 risk-based capital ratio | 45.9125% | 213 |
| Total risk-based capital ratio | 47.1701% | 214 |
| Memoranda: | ||
| Average total assets | $155,124,330 | 3,920 |
| Average earning assets | $142,019,330 | 3,902 |
| Average equity | $40,721,000 | 1,665 |
| Average total loans | $96,088,670 | 4,115 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8152% | 7,349 |
| Cost of funding earning assets | 1.1574% | 7,399 |
| Net interest margin | 3.6578% | 4,069 |
| Noninterest income to average assets | 0.1490% | 7,236 |
| Noninterest expense to average assets | 3.3519% | 2,490 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.0575% | 6,102 |
| Return on assets (ROA) | 0.0575% | 6,259 |
| Pretax return on assets | 0.0941% | 6,180 |
| Return on Equity (ROE) | 0.2152% | 6,358 |
| Retained earnings to average equity (ytd only) | 0.2152% | 5,573 |
| Net charge-offs to loans | -0.1200% | 7,927 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.2686% | 1,258 |
| Assets per employee ($millions) | 3.6684% | 4,409 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6621% | 2,262 |
| Loan loss allowance to noncurrent loans | 27.1361% | 6,756 |
| Noncurrent assets plus other real estate owned to assets | 4.2284% | 1,182 |
| Noncurrent loans to loans | 6.1252% | 771 |
| Net loans and leases to total assets | 60.2727% | 5,609 |
| Net loans and leases to deposits | 81.4383% | 4,381 |
| Net loans and leases to core deposits | 90.3764% | 5,521 |
| Total domestic deposits to total assets | 74.0103% | 6,889 |
| Equity capital to assets | 25.8978% | 202 |
| Core capital (leverage) ratio | 26.0505% | 209 |
| Tier 1 risk-based capital ratio | 45.1040% | 250 |
| Total risk-based capital ratio | 46.3606% | 249 |
| Memoranda: | ||
| Average total assets | $152,989,500 | 3,961 |
| Average earning assets | $137,897,000 | 4,000 |
| Average equity | $40,892,500 | 1,659 |
| Average total loans | $96,647,500 | 4,125 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6786% | 6,839 |
| Cost of funding earning assets | 1.3109% | 7,837 |
| Net interest margin | 4.3677% | 1,776 |
| Noninterest income to average assets | 1.1743% | 1,116 |
| Noninterest expense to average assets | 3.8268% | 1,706 |
| Loan and lease loss provision to assets | 0.1632% | 5,292 |
| Net operating income to assets | 0.7013% | 3,888 |
| Return on assets (ROA) | 0.7013% | 3,723 |
| Pretax return on assets | 1.1539% | 2,821 |
| Return on Equity (ROE) | 2.6012% | 5,382 |
| Retained earnings to average equity (ytd only) | 1.0395% | 4,602 |
| Net charge-offs to loans | 0.1798% | 4,398 |
| Credit loss provision to net charge-offs | 136.2637% | 3,911 |
| Earnings coverage of net charge-offs (x) | 11.0000% | 2,429 |
| Efficiency ratio | 74.3957% | 3,507 |
| Assets per employee ($millions) | 3.3690% | 5,041 |
| Cash dividends to net income (ytd only)* | 60.0375% | 2,664 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6333% | 2,118 |
| Loan loss allowance to noncurrent loans | 56.5186% | 5,150 |
| Noncurrent assets plus other real estate owned to assets | 2.3881% | 2,035 |
| Noncurrent loans to loans | 2.8899% | 1,862 |
| Net loans and leases to total assets | 64.1099% | 5,250 |
| Net loans and leases to deposits | 89.3319% | 3,568 |
| Net loans and leases to core deposits | 98.0116% | 5,040 |
| Total domestic deposits to total assets | 71.7660% | 7,043 |
| Equity capital to assets | 27.6134% | 206 |
| Core capital (leverage) ratio | 26.7002% | 227 |
| Tier 1 risk-based capital ratio | 44.5465% | 267 |
| Total risk-based capital ratio | 45.8027% | 265 |
| Memoranda: | ||
| Average total assets | $152,005,800 | 3,867 |
| Average earning assets | $138,150,000 | 3,887 |
| Average equity | $40,981,400 | 1,631 |
| Average total loans | $101,225,000 | 3,913 |