Home > The Wilmington Savings Bank > Performance and Condition Ratios
The Wilmington Savings Bank, 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 | 3.9682% | 4,010 |
| Cost of funding earning assets | 2.0747% | 810 |
| Net interest margin | 1.8935% | 4,440 |
| Noninterest income to average assets | 0.3300% | 2,919 |
| Noninterest expense to average assets | 1.8875% | 3,857 |
| Loan and lease loss provision to assets | -0.0200% | 4,327 |
| Net operating income to assets | 0.2184% | 4,143 |
| Return on assets (ROA) | 0.2184% | 4,157 |
| Pretax return on assets | 0.2683% | 4,122 |
| Return on Equity (ROE) | 1.3500% | 4,227 |
| Retained earnings to average equity (ytd only) | 1.3520% | 3,749 |
| Net charge-offs to loans | -0.0100% | 3,993 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 88.5393% | 465 |
| Assets per employee ($millions) | 10.0023% | 702 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6599% | 72 |
| Loan loss allowance to noncurrent loans | 391.9574% | 1,696 |
| Noncurrent assets plus other real estate owned to assets | 0.8051% | 633 |
| Noncurrent loans to loans | 0.9337% | 800 |
| Net loans and leases to total assets | 83.0600% | 339 |
| Net loans and leases to deposits | 111.7644% | 172 |
| Net loans and leases to core deposits | 127.8005% | 443 |
| Total domestic deposits to total assets | 74.3200% | 4,084 |
| Equity capital to assets | 16.2091% | 444 |
| Core capital (leverage) ratio | 16.9902% | 402 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $208,745,400 | 2,925 |
| Average earning assets | $199,157,400 | 2,878 |
| Average equity | $33,728,400 | 2,108 |
| Average total loans | $179,473,000 | 2,449 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9502% | 3,922 |
| Cost of funding earning assets | 1.9979% | 709 |
| Net interest margin | 1.9523% | 4,455 |
| Noninterest income to average assets | 0.3300% | 2,912 |
| Noninterest expense to average assets | 1.9211% | 3,772 |
| Loan and lease loss provision to assets | -0.0300% | 4,416 |
| Net operating income to assets | 0.2457% | 4,183 |
| Return on assets (ROA) | 0.2457% | 4,191 |
| Pretax return on assets | 0.3032% | 4,165 |
| Return on Equity (ROE) | 1.5200% | 4,259 |
| Retained earnings to average equity (ytd only) | 1.5216% | 3,838 |
| Net charge-offs to loans | -0.0164% | 4,079 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 87.6277% | 452 |
| Assets per employee ($millions) | 10.0080% | 663 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6665% | 69 |
| Loan loss allowance to noncurrent loans | 343.4490% | 1,840 |
| Noncurrent assets plus other real estate owned to assets | 0.9188% | 585 |
| Noncurrent loans to loans | 1.0676% | 746 |
| Net loans and leases to total assets | 82.9100% | 366 |
| Net loans and leases to deposits | 110.2347% | 194 |
| Net loans and leases to core deposits | 127.6327% | 376 |
| Total domestic deposits to total assets | 75.2100% | 4,081 |
| Equity capital to assets | 15.9939% | 448 |
| Core capital (leverage) ratio | 17.0749% | 407 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $208,419,500 | 2,933 |
| Average earning assets | $198,806,000 | 2,885 |
| Average equity | $33,648,750 | 2,099 |
| Average total loans | $179,066,250 | 2,459 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1129% | 3,466 |
| Cost of funding earning assets | 1.9167% | 582 |
| Net interest margin | 2.1962% | 4,429 |
| Noninterest income to average assets | 0.1800% | 3,893 |
| Noninterest expense to average assets | 1.8938% | 3,834 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.3079% | 4,143 |
| Return on assets (ROA) | 0.3079% | 4,170 |
| Pretax return on assets | 0.3820% | 4,140 |
| Return on Equity (ROE) | 1.9000% | 4,282 |
| Retained earnings to average equity (ytd only) | 1.9013% | 3,741 |
| Net charge-offs to loans | -0.0247% | 4,180 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 83.2135% | 642 |
| Assets per employee ($millions) | 9.5735% | 760 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6920% | 77 |
| Loan loss allowance to noncurrent loans | 332.1074% | 2,028 |
| Noncurrent assets plus other real estate owned to assets | 0.9553% | 504 |
| Noncurrent loans to loans | 1.1117% | 638 |
| Net loans and leases to total assets | 82.7600% | 348 |
| Net loans and leases to deposits | 110.2786% | 200 |
| Net loans and leases to core deposits | 127.3309% | 368 |
| Total domestic deposits to total assets | 75.0400% | 4,114 |
| Equity capital to assets | 16.0209% | 445 |
| Core capital (leverage) ratio | 17.0078% | 396 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $207,837,000 | 2,948 |
| Average earning assets | $198,253,667 | 2,899 |
| Average equity | $33,660,333 | 2,114 |
| Average total loans | $178,461,667 | 2,460 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4017% | 2,544 |
| Cost of funding earning assets | 1.7302% | 527 |
| Net interest margin | 2.6715% | 4,107 |
| Noninterest income to average assets | 0.1300% | 4,223 |
| Noninterest expense to average assets | 1.9685% | 3,697 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.5658% | 3,758 |
| Return on assets (ROA) | 0.5658% | 3,726 |
| Pretax return on assets | 0.7091% | 3,641 |
| Return on Equity (ROE) | 3.4700% | 4,122 |
| Retained earnings to average equity (ytd only) | 3.4742% | 3,396 |
| Net charge-offs to loans | -0.0497% | 4,357 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 73.5166% | 1,389 |
| Assets per employee ($millions) | 9.9937% | 700 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7619% | 76 |
| Loan loss allowance to noncurrent loans | 320.9414% | 2,130 |
| Noncurrent assets plus other real estate owned to assets | 0.9921% | 414 |
| Noncurrent loans to loans | 1.1721% | 597 |
| Net loans and leases to total assets | 81.4500% | 422 |
| Net loans and leases to deposits | 105.7541% | 257 |
| Net loans and leases to core deposits | 118.3350% | 484 |
| Total domestic deposits to total assets | 77.0200% | 4,079 |
| Equity capital to assets | 16.0963% | 400 |
| Core capital (leverage) ratio | 17.1567% | 389 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $206,446,500 | 2,989 |
| Average earning assets | $196,742,000 | 2,946 |
| Average equity | $33,619,000 | 2,140 |
| Average total loans | $177,200,500 | 2,487 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4667% | 3,163 |
| Cost of funding earning assets | 0.6310% | 786 |
| Net interest margin | 2.8357% | 3,815 |
| Noninterest income to average assets | 0.1600% | 4,171 |
| Noninterest expense to average assets | 2.0835% | 3,344 |
| Loan and lease loss provision to assets | -0.1500% | 4,601 |
| Net operating income to assets | 0.7380% | 3,513 |
| Return on assets (ROA) | 0.7380% | 3,455 |
| Pretax return on assets | 0.9189% | 3,299 |
| Return on Equity (ROE) | 4.2200% | 4,130 |
| Retained earnings to average equity (ytd only) | 4.2205% | 3,323 |
| Net charge-offs to loans | 0.0109% | 1,966 |
| Credit loss provision to net charge-offs | -1,705.8824% | 4,680 |
| Earnings coverage of net charge-offs (x) | 85.1765% | 1,056 |
| Efficiency ratio | 73.1305% | 1,310 |
| Assets per employee ($millions) | 9.2284% | 848 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7680% | 70 |
| Loan loss allowance to noncurrent loans | 360.6389% | 1,958 |
| Noncurrent assets plus other real estate owned to assets | 0.9097% | 487 |
| Noncurrent loans to loans | 1.0448% | 695 |
| Net loans and leases to total assets | 83.7900% | 274 |
| Net loans and leases to deposits | 107.4012% | 208 |
| Net loans and leases to core deposits | 119.9944% | 369 |
| Total domestic deposits to total assets | 78.0200% | 4,089 |
| Equity capital to assets | 16.4793% | 360 |
| Core capital (leverage) ratio | 17.2737% | 373 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $189,149,200 | 3,110 |
| Average earning assets | $179,248,200 | 3,068 |
| Average equity | $33,076,800 | 2,195 |
| Average total loans | $156,346,600 | 2,572 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3701% | 2,990 |
| Cost of funding earning assets | 0.4248% | 1,123 |
| Net interest margin | 2.9454% | 3,371 |
| Noninterest income to average assets | 0.1700% | 4,154 |
| Noninterest expense to average assets | 2.0917% | 3,229 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.6958% | 3,577 |
| Return on assets (ROA) | 0.6958% | 3,539 |
| Pretax return on assets | 0.8645% | 3,436 |
| Return on Equity (ROE) | 3.9200% | 4,162 |
| Retained earnings to average equity (ytd only) | 3.9172% | 3,471 |
| Net charge-offs to loans | 0.0150% | 1,569 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 70.8235% | 1,103 |
| Efficiency ratio | 70.7554% | 1,676 |
| Assets per employee ($millions) | 8.8665% | 943 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0868% | 64 |
| Loan loss allowance to noncurrent loans | 395.5606% | 1,830 |
| Noncurrent assets plus other real estate owned to assets | 0.9007% | 530 |
| Noncurrent loans to loans | 1.0332% | 737 |
| Net loans and leases to total assets | 83.6200% | 277 |
| Net loans and leases to deposits | 105.9487% | 191 |
| Net loans and leases to core deposits | 110.7770% | 447 |
| Total domestic deposits to total assets | 78.9200% | 4,184 |
| Equity capital to assets | 16.8622% | 329 |
| Core capital (leverage) ratio | 17.7578% | 330 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $185,680,250 | 3,166 |
| Average earning assets | $175,775,000 | 3,123 |
| Average equity | $32,981,750 | 2,231 |
| Average total loans | $151,239,000 | 2,627 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3633% | 2,533 |
| Cost of funding earning assets | 0.3235% | 1,498 |
| Net interest margin | 3.0398% | 2,760 |
| Noninterest income to average assets | 0.1753% | 4,128 |
| Noninterest expense to average assets | 2.1156% | 3,107 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.7494% | 3,146 |
| Return on assets (ROA) | 0.7494% | 3,099 |
| Pretax return on assets | 0.9323% | 2,956 |
| Return on Equity (ROE) | 4.1440% | 4,002 |
| Retained earnings to average equity (ytd only) | 4.1440% | 3,034 |
| Net charge-offs to loans | 0.0248% | 1,229 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 47.2778% | 1,185 |
| Efficiency ratio | 69.4105% | 2,045 |
| Assets per employee ($millions) | 8.8826% | 927 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4160% | 54 |
| Loan loss allowance to noncurrent loans | 367.0893% | 1,894 |
| Noncurrent assets plus other real estate owned to assets | 1.0148% | 455 |
| Noncurrent loans to loans | 1.2030% | 661 |
| Net loans and leases to total assets | 80.6331% | 360 |
| Net loans and leases to deposits | 98.0266% | 341 |
| Net loans and leases to core deposits | 102.5080% | 570 |
| Total domestic deposits to total assets | 82.2564% | 3,975 |
| Equity capital to assets | 17.5635% | 248 |
| Core capital (leverage) ratio | 18.1379% | 270 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $182,552,333 | 3,222 |
| Average earning assets | $172,511,667 | 3,192 |
| Average equity | $33,011,667 | 2,274 |
| Average total loans | $144,966,000 | 2,697 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4094% | 2,061 |
| Cost of funding earning assets | 0.2999% | 1,659 |
| Net interest margin | 3.1094% | 2,143 |
| Noninterest income to average assets | 0.1706% | 4,146 |
| Noninterest expense to average assets | 2.1732% | 2,912 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.7532% | 2,844 |
| Return on assets (ROA) | 0.7532% | 2,837 |
| Pretax return on assets | 0.9371% | 2,644 |
| Return on Equity (ROE) | 4.1042% | 3,846 |
| Retained earnings to average equity (ytd only) | 4.1042% | 2,896 |
| Net charge-offs to loans | -0.0115% | 3,640 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8718% | 2,250 |
| Assets per employee ($millions) | 8.3225% | 1,201 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8408% | 43 |
| Loan loss allowance to noncurrent loans | 315.0474% | 2,023 |
| Noncurrent assets plus other real estate owned to assets | 1.2087% | 363 |
| Noncurrent loans to loans | 1.5365% | 529 |
| Net loans and leases to total assets | 74.8539% | 588 |
| Net loans and leases to deposits | 91.6761% | 448 |
| Net loans and leases to core deposits | 95.3850% | 680 |
| Total domestic deposits to total assets | 81.6504% | 4,122 |
| Equity capital to assets | 18.0257% | 227 |
| Core capital (leverage) ratio | 18.0617% | 241 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $180,561,000 | 3,248 |
| Average earning assets | $170,705,500 | 3,221 |
| Average equity | $33,136,500 | 2,323 |
| Average total loans | $138,770,000 | 2,761 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0703% | 3,745 |
| Cost of funding earning assets | 0.5416% | 748 |
| Net interest margin | 2.5288% | 4,153 |
| Noninterest income to average assets | 0.6184% | 2,083 |
| Noninterest expense to average assets | 2.1416% | 3,268 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.7201% | 3,568 |
| Return on assets (ROA) | 0.7656% | 3,501 |
| Pretax return on assets | 0.9664% | 3,344 |
| Return on Equity (ROE) | 4.1005% | 4,200 |
| Retained earnings to average equity (ytd only) | 4.1005% | 3,186 |
| Net charge-offs to loans | -0.2273% | 4,720 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2076% | 1,709 |
| Assets per employee ($millions) | 8.0922% | 1,280 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2189% | 40 |
| Loan loss allowance to noncurrent loans | 248.1481% | 2,312 |
| Noncurrent assets plus other real estate owned to assets | 1.5773% | 254 |
| Noncurrent loans to loans | 2.1031% | 365 |
| Net loans and leases to total assets | 71.0826% | 917 |
| Net loans and leases to deposits | 88.0388% | 650 |
| Net loans and leases to core deposits | 93.2866% | 814 |
| Total domestic deposits to total assets | 80.7401% | 4,137 |
| Equity capital to assets | 18.6875% | 229 |
| Core capital (leverage) ratio | 18.3335% | 236 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.7155% | 286 |
| Memoranda: | ||
| Average total assets | $175,292,400 | 3,249 |
| Average earning assets | $168,580,200 | 3,199 |
| Average equity | $32,727,400 | 2,395 |
| Average total loans | $133,287,400 | 2,811 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0958% | 3,821 |
| Cost of funding earning assets | 0.5826% | 695 |
| Net interest margin | 2.5131% | 4,253 |
| Noninterest income to average assets | 0.6093% | 2,178 |
| Noninterest expense to average assets | 2.1251% | 3,291 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.7202% | 3,721 |
| Return on assets (ROA) | 0.7812% | 3,637 |
| Pretax return on assets | 0.9889% | 3,497 |
| Return on Equity (ROE) | 4.1850% | 4,273 |
| Retained earnings to average equity (ytd only) | 4.1850% | 3,519 |
| Net charge-offs to loans | -0.2572% | 4,796 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9774% | 1,601 |
| Assets per employee ($millions) | 8.1409% | 1,212 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1958% | 36 |
| Loan loss allowance to noncurrent loans | 240.8980% | 2,291 |
| Noncurrent assets plus other real estate owned to assets | 1.6805% | 266 |
| Noncurrent loans to loans | 2.1569% | 388 |
| Net loans and leases to total assets | 73.8673% | 705 |
| Net loans and leases to deposits | 93.0172% | 449 |
| Net loans and leases to core deposits | 99.2019% | 620 |
| Total domestic deposits to total assets | 79.4125% | 4,307 |
| Equity capital to assets | 19.3422% | 217 |
| Core capital (leverage) ratio | 17.3688% | 294 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $174,608,500 | 3,290 |
| Average earning assets | $168,656,000 | 3,227 |
| Average equity | $32,592,000 | 2,434 |
| Average total loans | $133,230,500 | 2,845 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1290% | 3,805 |
| Cost of funding earning assets | 0.6114% | 708 |
| Net interest margin | 2.5176% | 4,279 |
| Noninterest income to average assets | 0.6620% | 1,961 |
| Noninterest expense to average assets | 2.1112% | 3,355 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.7760% | 3,580 |
| Return on assets (ROA) | 0.8668% | 3,384 |
| Pretax return on assets | 1.0965% | 3,229 |
| Return on Equity (ROE) | 4.6988% | 4,190 |
| Retained earnings to average equity (ytd only) | 4.6988% | 3,299 |
| Net charge-offs to loans | -0.2867% | 4,836 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2604% | 1,850 |
| Assets per employee ($millions) | 8.6824% | 957 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0409% | 38 |
| Loan loss allowance to noncurrent loans | 230.9195% | 2,255 |
| Noncurrent assets plus other real estate owned to assets | 1.6284% | 322 |
| Noncurrent loans to loans | 2.1830% | 412 |
| Net loans and leases to total assets | 70.8337% | 1,107 |
| Net loans and leases to deposits | 87.7832% | 789 |
| Net loans and leases to core deposits | 93.3091% | 939 |
| Total domestic deposits to total assets | 80.6916% | 4,129 |
| Equity capital to assets | 17.9586% | 268 |
| Core capital (leverage) ratio | 17.6139% | 275 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $175,825,333 | 3,280 |
| Average earning assets | $169,764,000 | 3,220 |
| Average equity | $32,433,667 | 2,429 |
| Average total loans | $133,239,667 | 2,859 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2783% | 3,507 |
| Cost of funding earning assets | 0.6537% | 676 |
| Net interest margin | 2.6246% | 4,101 |
| Noninterest income to average assets | 0.4358% | 2,895 |
| Noninterest expense to average assets | 2.1533% | 3,259 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.6425% | 3,828 |
| Return on assets (ROA) | 0.8275% | 3,411 |
| Pretax return on assets | 1.0477% | 3,239 |
| Return on Equity (ROE) | 4.4240% | 4,208 |
| Retained earnings to average equity (ytd only) | 4.4240% | 3,385 |
| Net charge-offs to loans | -0.4793% | 4,890 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5781% | 1,443 |
| Assets per employee ($millions) | 7.7860% | 1,293 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2387% | 37 |
| Loan loss allowance to noncurrent loans | 222.5775% | 2,195 |
| Noncurrent assets plus other real estate owned to assets | 1.9551% | 264 |
| Noncurrent loans to loans | 2.3537% | 410 |
| Net loans and leases to total assets | 72.0403% | 1,019 |
| Net loans and leases to deposits | 89.8827% | 703 |
| Net loans and leases to core deposits | 94.1281% | 973 |
| Total domestic deposits to total assets | 80.1492% | 4,183 |
| Equity capital to assets | 18.9045% | 227 |
| Core capital (leverage) ratio | 17.8845% | 265 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $172,573,000 | 3,307 |
| Average earning assets | $166,428,500 | 3,246 |
| Average equity | $32,278,500 | 2,427 |
| Average total loans | $131,856,000 | 2,880 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5267% | 3,971 |
| Cost of funding earning assets | 0.8700% | 949 |
| Net interest margin | 2.6567% | 4,434 |
| Noninterest income to average assets | 0.2966% | 3,711 |
| Noninterest expense to average assets | 2.1602% | 3,784 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.5531% | 3,896 |
| Return on assets (ROA) | 0.5695% | 3,952 |
| Pretax return on assets | 0.7206% | 3,842 |
| Return on Equity (ROE) | 3.1319% | 4,344 |
| Retained earnings to average equity (ytd only) | 3.1319% | 3,271 |
| Net charge-offs to loans | -0.1233% | 4,844 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5296% | 1,288 |
| Assets per employee ($millions) | 7.9024% | 1,072 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9921% | 39 |
| Loan loss allowance to noncurrent loans | 196.6362% | 2,373 |
| Noncurrent assets plus other real estate owned to assets | 2.1127% | 258 |
| Noncurrent loans to loans | 2.5388% | 393 |
| Net loans and leases to total assets | 72.9501% | 1,165 |
| Net loans and leases to deposits | 91.7579% | 795 |
| Net loans and leases to core deposits | 96.0454% | 1,116 |
| Total domestic deposits to total assets | 79.5028% | 4,141 |
| Equity capital to assets | 18.5070% | 246 |
| Core capital (leverage) ratio | 18.1192% | 256 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.3547% | 482 |
| Memoranda: | ||
| Average total assets | $173,316,200 | 3,165 |
| Average earning assets | $167,240,000 | 3,098 |
| Average equity | $31,514,000 | 2,407 |
| Average total loans | $131,429,000 | 2,852 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5807% | 4,063 |
| Cost of funding earning assets | 0.9171% | 1,010 |
| Net interest margin | 2.6636% | 4,507 |
| Noninterest income to average assets | 0.1586% | 4,501 |
| Noninterest expense to average assets | 2.1457% | 3,829 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.4616% | 4,139 |
| Return on assets (ROA) | 0.4835% | 4,151 |
| Pretax return on assets | 0.6121% | 4,083 |
| Return on Equity (ROE) | 2.6710% | 4,445 |
| Retained earnings to average equity (ytd only) | 2.6710% | 3,660 |
| Net charge-offs to loans | -0.1456% | 4,886 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.5956% | 976 |
| Assets per employee ($millions) | 8.1309% | 952 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8197% | 42 |
| Loan loss allowance to noncurrent loans | 160.8569% | 2,583 |
| Noncurrent assets plus other real estate owned to assets | 2.4633% | 224 |
| Noncurrent loans to loans | 2.9963% | 309 |
| Net loans and leases to total assets | 76.8532% | 980 |
| Net loans and leases to deposits | 98.2613% | 612 |
| Net loans and leases to core deposits | 103.4090% | 957 |
| Total domestic deposits to total assets | 78.2130% | 4,164 |
| Equity capital to assets | 18.6373% | 261 |
| Core capital (leverage) ratio | 17.2166% | 321 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.0006% | 452 |
| Memoranda: | ||
| Average total assets | $173,182,000 | 3,149 |
| Average earning assets | $167,189,750 | 3,084 |
| Average equity | $31,348,750 | 2,408 |
| Average total loans | $130,913,750 | 2,860 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3717% | 4,570 |
| Cost of funding earning assets | 0.9644% | 1,091 |
| Net interest margin | 2.4073% | 4,789 |
| Noninterest income to average assets | 0.1310% | 4,650 |
| Noninterest expense to average assets | 2.1530% | 3,923 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.2386% | 4,524 |
| Return on assets (ROA) | 0.2713% | 4,508 |
| Pretax return on assets | 0.3437% | 4,481 |
| Return on Equity (ROE) | 1.5133% | 4,616 |
| Retained earnings to average equity (ytd only) | 1.5133% | 3,930 |
| Net charge-offs to loans | -0.1229% | 4,879 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.6873% | 466 |
| Assets per employee ($millions) | 8.3050% | 867 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1173% | 37 |
| Loan loss allowance to noncurrent loans | 165.6848% | 2,432 |
| Noncurrent assets plus other real estate owned to assets | 2.3205% | 266 |
| Noncurrent loans to loans | 3.0886% | 300 |
| Net loans and leases to total assets | 69.9657% | 2,036 |
| Net loans and leases to deposits | 88.6376% | 1,490 |
| Net loans and leases to core deposits | 92.5904% | 1,851 |
| Total domestic deposits to total assets | 78.9345% | 4,047 |
| Equity capital to assets | 18.0197% | 301 |
| Core capital (leverage) ratio | 18.1991% | 280 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.2797% | 390 |
| Memoranda: | ||
| Average total assets | $173,993,000 | 3,127 |
| Average earning assets | $167,986,333 | 3,064 |
| Average equity | $31,190,667 | 2,397 |
| Average total loans | $128,594,667 | 2,877 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5211% | 4,611 |
| Cost of funding earning assets | 1.0664% | 1,162 |
| Net interest margin | 2.4548% | 4,844 |
| Noninterest income to average assets | 0.0783% | 4,899 |
| Noninterest expense to average assets | 2.1958% | 4,013 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.1979% | 4,533 |
| Return on assets (ROA) | 0.1979% | 4,548 |
| Pretax return on assets | 0.2509% | 4,518 |
| Return on Equity (ROE) | 1.1071% | 4,614 |
| Retained earnings to average equity (ytd only) | 1.1071% | 3,714 |
| Net charge-offs to loans | -0.1618% | 4,914 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.7460% | 510 |
| Assets per employee ($millions) | 7.9195% | 755 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2144% | 39 |
| Loan loss allowance to noncurrent loans | 158.1564% | 2,451 |
| Noncurrent assets plus other real estate owned to assets | 2.4215% | 292 |
| Noncurrent loans to loans | 3.2970% | 302 |
| Net loans and leases to total assets | 68.3795% | 2,493 |
| Net loans and leases to deposits | 86.5739% | 1,922 |
| Net loans and leases to core deposits | 90.4211% | 2,307 |
| Total domestic deposits to total assets | 78.9840% | 4,057 |
| Equity capital to assets | 17.8547% | 366 |
| Core capital (leverage) ratio | 17.4211% | 371 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.6229% | 412 |
| Memoranda: | ||
| Average total assets | $173,787,500 | 3,097 |
| Average earning assets | $167,673,500 | 3,039 |
| Average equity | $31,072,500 | 2,399 |
| Average total loans | $128,590,000 | 2,855 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1436% | 3,943 |
| Cost of funding earning assets | 1.0396% | 1,561 |
| Net interest margin | 3.1040% | 4,356 |
| Noninterest income to average assets | 0.0966% | 4,937 |
| Noninterest expense to average assets | 2.3712% | 3,765 |
| Loan and lease loss provision to assets | -0.3738% | 5,156 |
| Net operating income to assets | 0.8571% | 3,368 |
| Return on assets (ROA) | 0.8542% | 3,468 |
| Pretax return on assets | 1.0809% | 3,231 |
| Return on Equity (ROE) | 4.5499% | 4,339 |
| Retained earnings to average equity (ytd only) | 4.5499% | 2,682 |
| Net charge-offs to loans | -0.1765% | 5,044 |
| Credit loss provision to net charge-offs | 254.2373% | 1,077 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.9355% | 1,271 |
| Assets per employee ($millions) | 6.6672% | 1,199 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9449% | 35 |
| Loan loss allowance to noncurrent loans | 213.1803% | 1,984 |
| Noncurrent assets plus other real estate owned to assets | 1.7595% | 510 |
| Noncurrent loans to loans | 2.3196% | 509 |
| Net loans and leases to total assets | 72.1026% | 2,074 |
| Net loans and leases to deposits | 91.4390% | 1,438 |
| Net loans and leases to core deposits | 95.9262% | 1,910 |
| Total domestic deposits to total assets | 78.8533% | 4,209 |
| Equity capital to assets | 17.9047% | 374 |
| Core capital (leverage) ratio | 18.9495% | 278 |
| Tier 1 risk-based capital ratio | 25.4525% | 720 |
| Total risk-based capital ratio | 26.7532% | 695 |
| Memoranda: | ||
| Average total assets | $160,508,600 | 3,199 |
| Average earning assets | $154,383,600 | 3,141 |
| Average equity | $30,132,200 | 2,387 |
| Average total loans | $133,712,600 | 2,786 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1861% | 3,948 |
| Cost of funding earning assets | 1.0417% | 1,579 |
| Net interest margin | 3.1444% | 4,411 |
| Noninterest income to average assets | 0.0983% | 4,997 |
| Noninterest expense to average assets | 2.3208% | 3,898 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.6313% | 4,210 |
| Return on assets (ROA) | 0.6272% | 4,274 |
| Pretax return on assets | 0.7942% | 4,127 |
| Return on Equity (ROE) | 3.2991% | 4,716 |
| Retained earnings to average equity (ytd only) | 3.2991% | 3,762 |
| Net charge-offs to loans | -0.0516% | 4,845 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3820% | 1,510 |
| Assets per employee ($millions) | 6.7440% | 1,135 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3350% | 31 |
| Loan loss allowance to noncurrent loans | 216.1512% | 1,983 |
| Noncurrent assets plus other real estate owned to assets | 1.9777% | 445 |
| Noncurrent loans to loans | 2.4682% | 477 |
| Net loans and leases to total assets | 75.8515% | 1,509 |
| Net loans and leases to deposits | 102.4073% | 484 |
| Net loans and leases to core deposits | 108.1559% | 1,048 |
| Total domestic deposits to total assets | 74.0685% | 4,811 |
| Equity capital to assets | 18.7734% | 329 |
| Core capital (leverage) ratio | 18.0440% | 349 |
| Tier 1 risk-based capital ratio | 26.9275% | 646 |
| Total risk-based capital ratio | 28.2413% | 628 |
| Memoranda: | ||
| Average total assets | $157,299,250 | 3,257 |
| Average earning assets | $151,162,000 | 3,202 |
| Average equity | $29,906,000 | 2,416 |
| Average total loans | $134,268,500 | 2,812 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2773% | 3,706 |
| Cost of funding earning assets | 1.0065% | 1,666 |
| Net interest margin | 3.2708% | 4,196 |
| Noninterest income to average assets | 0.0937% | 5,064 |
| Noninterest expense to average assets | 2.2801% | 4,058 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.7546% | 3,811 |
| Return on assets (ROA) | 0.7485% | 3,901 |
| Pretax return on assets | 0.9475% | 3,717 |
| Return on Equity (ROE) | 3.9199% | 4,608 |
| Retained earnings to average equity (ytd only) | 3.9199% | 3,289 |
| Net charge-offs to loans | -0.0751% | 4,945 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4762% | 2,151 |
| Assets per employee ($millions) | 6.2798% | 1,351 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2155% | 28 |
| Loan loss allowance to noncurrent loans | 196.6733% | 2,181 |
| Noncurrent assets plus other real estate owned to assets | 2.2402% | 367 |
| Noncurrent loans to loans | 2.6518% | 419 |
| Net loans and leases to total assets | 80.0713% | 870 |
| Net loans and leases to deposits | 111.0132% | 200 |
| Net loans and leases to core deposits | 116.3188% | 670 |
| Total domestic deposits to total assets | 72.1278% | 4,966 |
| Equity capital to assets | 19.2458% | 283 |
| Core capital (leverage) ratio | 18.6146% | 300 |
| Tier 1 risk-based capital ratio | 28.1351% | 561 |
| Total risk-based capital ratio | 29.4527% | 543 |
| Memoranda: | ||
| Average total assets | $155,780,000 | 3,284 |
| Average earning assets | $149,628,000 | 3,225 |
| Average equity | $29,746,000 | 2,414 |
| Average total loans | $135,794,670 | 2,806 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1799% | 3,927 |
| Cost of funding earning assets | 1.0094% | 1,532 |
| Net interest margin | 3.1705% | 4,454 |
| Noninterest income to average assets | 0.0876% | 5,124 |
| Noninterest expense to average assets | 2.5932% | 3,233 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.4263% | 4,675 |
| Return on assets (ROA) | 0.4202% | 4,697 |
| Pretax return on assets | 0.5310% | 4,620 |
| Return on Equity (ROE) | 2.2093% | 4,939 |
| Retained earnings to average equity (ytd only) | 2.2093% | 4,010 |
| Net charge-offs to loans | -0.0903% | 5,000 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.7984% | 808 |
| Assets per employee ($millions) | 6.1902% | 1,411 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0575% | 33 |
| Loan loss allowance to noncurrent loans | 167.8102% | 2,470 |
| Noncurrent assets plus other real estate owned to assets | 2.6558% | 268 |
| Noncurrent loans to loans | 3.0138% | 360 |
| Net loans and leases to total assets | 83.6640% | 404 |
| Net loans and leases to deposits | 120.3255% | 81 |
| Net loans and leases to core deposits | 124.6450% | 411 |
| Total domestic deposits to total assets | 69.5314% | 5,124 |
| Equity capital to assets | 19.1579% | 271 |
| Core capital (leverage) ratio | 18.5463% | 303 |
| Tier 1 risk-based capital ratio | 28.0150% | 557 |
| Total risk-based capital ratio | 29.3339% | 541 |
| Memoranda: | ||
| Average total assets | $155,172,500 | 3,338 |
| Average earning assets | $148,999,000 | 3,276 |
| Average equity | $29,511,500 | 2,437 |
| Average total loans | $137,379,500 | 2,824 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0862% | 3,778 |
| Cost of funding earning assets | 0.9000% | 1,096 |
| Net interest margin | 3.1861% | 4,507 |
| Noninterest income to average assets | 0.2204% | 4,598 |
| Noninterest expense to average assets | 2.8035% | 2,682 |
| Loan and lease loss provision to assets | -0.1570% | 5,307 |
| Net operating income to assets | 0.4967% | 4,665 |
| Return on assets (ROA) | 0.4943% | 4,679 |
| Pretax return on assets | 0.6255% | 4,585 |
| Return on Equity (ROE) | 2.7274% | 4,956 |
| Retained earnings to average equity (ytd only) | 2.7274% | 4,040 |
| Net charge-offs to loans | -0.1348% | 5,207 |
| Credit loss provision to net charge-offs | 132.9787% | 1,997 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.5992% | 553 |
| Assets per employee ($millions) | 6.4829% | 1,225 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9614% | 34 |
| Loan loss allowance to noncurrent loans | 170.3299% | 2,497 |
| Noncurrent assets plus other real estate owned to assets | 2.5908% | 283 |
| Noncurrent loans to loans | 2.9128% | 357 |
| Net loans and leases to total assets | 84.5310% | 364 |
| Net loans and leases to deposits | 125.5582% | 60 |
| Net loans and leases to core deposits | 127.9014% | 356 |
| Total domestic deposits to total assets | 67.3242% | 5,221 |
| Equity capital to assets | 18.8799% | 275 |
| Core capital (leverage) ratio | 18.4406% | 298 |
| Tier 1 risk-based capital ratio | 27.6572% | 587 |
| Total risk-based capital ratio | 28.9745% | 570 |
| Memoranda: | ||
| Average total assets | $159,229,200 | 3,291 |
| Average earning assets | $152,661,000 | 3,216 |
| Average equity | $28,855,600 | 2,404 |
| Average total loans | $139,432,600 | 2,773 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0783% | 3,708 |
| Cost of funding earning assets | 0.8999% | 923 |
| Net interest margin | 3.1784% | 4,555 |
| Noninterest income to average assets | 0.2573% | 4,436 |
| Noninterest expense to average assets | 2.8774% | 2,377 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.3363% | 5,052 |
| Return on assets (ROA) | 0.3330% | 5,049 |
| Pretax return on assets | 0.4221% | 5,013 |
| Return on Equity (ROE) | 1.8566% | 5,149 |
| Retained earnings to average equity (ytd only) | 1.8566% | 4,621 |
| Net charge-offs to loans | -0.1365% | 5,225 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.0968% | 453 |
| Assets per employee ($millions) | 6.8141% | 1,013 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0935% | 37 |
| Loan loss allowance to noncurrent loans | 164.8252% | 2,589 |
| Noncurrent assets plus other real estate owned to assets | 2.7373% | 294 |
| Noncurrent loans to loans | 3.0903% | 344 |
| Net loans and leases to total assets | 84.0663% | 451 |
| Net loans and leases to deposits | 123.0017% | 80 |
| Net loans and leases to core deposits | 125.2372% | 432 |
| Total domestic deposits to total assets | 68.3456% | 5,276 |
| Equity capital to assets | 18.4292% | 300 |
| Core capital (leverage) ratio | 17.2841% | 386 |
| Tier 1 risk-based capital ratio | 26.9958% | 628 |
| Total risk-based capital ratio | 28.3152% | 615 |
| Memoranda: | ||
| Average total assets | $160,139,250 | 3,301 |
| Average earning assets | $153,491,500 | 3,233 |
| Average equity | $28,725,750 | 2,418 |
| Average total loans | $139,694,000 | 2,787 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0248% | 3,715 |
| Cost of funding earning assets | 0.8810% | 789 |
| Net interest margin | 3.1438% | 4,634 |
| Noninterest income to average assets | 0.3336% | 3,951 |
| Noninterest expense to average assets | 3.0296% | 1,968 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.2504% | 5,183 |
| Return on assets (ROA) | 0.2455% | 5,180 |
| Pretax return on assets | 0.3113% | 5,153 |
| Return on Equity (ROE) | 1.3811% | 5,235 |
| Retained earnings to average equity (ytd only) | 1.3811% | 4,667 |
| Net charge-offs to loans | -0.0857% | 5,112 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.5150% | 356 |
| Assets per employee ($millions) | 6.1658% | 1,356 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9755% | 38 |
| Loan loss allowance to noncurrent loans | 158.8409% | 2,678 |
| Noncurrent assets plus other real estate owned to assets | 2.7447% | 296 |
| Noncurrent loans to loans | 3.1324% | 345 |
| Net loans and leases to total assets | 83.2619% | 553 |
| Net loans and leases to deposits | 123.0246% | 83 |
| Net loans and leases to core deposits | 125.2209% | 428 |
| Total domestic deposits to total assets | 67.6791% | 5,344 |
| Equity capital to assets | 17.9039% | 332 |
| Core capital (leverage) ratio | 17.2469% | 369 |
| Tier 1 risk-based capital ratio | 25.9333% | 678 |
| Total risk-based capital ratio | 27.2489% | 658 |
| Memoranda: | ||
| Average total assets | $161,277,670 | 3,309 |
| Average earning assets | $154,590,000 | 3,239 |
| Average equity | $28,673,330 | 2,432 |
| Average total loans | $139,984,330 | 2,793 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9356% | 3,831 |
| Cost of funding earning assets | 0.8904% | 626 |
| Net interest margin | 3.0453% | 4,806 |
| Noninterest income to average assets | 0.0989% | 5,336 |
| Noninterest expense to average assets | 2.8239% | 2,622 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.1681% | 5,276 |
| Return on assets (ROA) | 0.1681% | 5,272 |
| Pretax return on assets | 0.1929% | 5,269 |
| Return on Equity (ROE) | 0.9491% | 5,315 |
| Retained earnings to average equity (ytd only) | 0.9491% | 4,641 |
| Net charge-offs to loans | -0.0773% | 5,139 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.6066% | 310 |
| Assets per employee ($millions) | 6.0523% | 1,474 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8861% | 39 |
| Loan loss allowance to noncurrent loans | 150.7042% | 2,739 |
| Noncurrent assets plus other real estate owned to assets | 3.0194% | 267 |
| Noncurrent loans to loans | 3.2421% | 342 |
| Net loans and leases to total assets | 82.8513% | 554 |
| Net loans and leases to deposits | 121.6870% | 97 |
| Net loans and leases to core deposits | 123.7967% | 475 |
| Total domestic deposits to total assets | 68.0856% | 5,416 |
| Equity capital to assets | 17.5048% | 357 |
| Core capital (leverage) ratio | 16.6883% | 415 |
| Tier 1 risk-based capital ratio | 26.2168% | 665 |
| Total risk-based capital ratio | 27.5341% | 653 |
| Memoranda: | ||
| Average total assets | $161,761,000 | 3,332 |
| Average earning assets | $154,994,000 | 3,265 |
| Average equity | $28,659,000 | 2,455 |
| Average total loans | $139,743,000 | 2,815 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1432% | 2,904 |
| Cost of funding earning assets | 0.6578% | 1,259 |
| Net interest margin | 3.4854% | 3,571 |
| Noninterest income to average assets | 0.1950% | 4,976 |
| Noninterest expense to average assets | 3.0415% | 2,040 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | -0.3420% | 5,486 |
| Return on assets (ROA) | -0.3420% | 5,484 |
| Pretax return on assets | 0.4649% | 4,984 |
| Return on Equity (ROE) | -1.6954% | 5,453 |
| Retained earnings to average equity (ytd only) | -1.6954% | 5,251 |
| Net charge-offs to loans | -0.0559% | 5,221 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.7411% | 598 |
| Assets per employee ($millions) | 5.9300% | 1,566 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0517% | 36 |
| Loan loss allowance to noncurrent loans | 137.4058% | 2,967 |
| Noncurrent assets plus other real estate owned to assets | 3.1759% | 239 |
| Noncurrent loans to loans | 3.6765% | 269 |
| Net loans and leases to total assets | 81.3278% | 772 |
| Net loans and leases to deposits | 120.2434% | 113 |
| Net loans and leases to core deposits | 122.4391% | 511 |
| Total domestic deposits to total assets | 67.6360% | 5,484 |
| Equity capital to assets | 17.9333% | 320 |
| Core capital (leverage) ratio | 17.6920% | 319 |
| Tier 1 risk-based capital ratio | 26.1226% | 655 |
| Total risk-based capital ratio | 27.4431% | 641 |
| Memoranda: | ||
| Average total assets | $145,616,600 | 3,529 |
| Average earning assets | $138,346,800 | 3,476 |
| Average equity | $29,374,400 | 2,399 |
| Average total loans | $121,614,800 | 3,037 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1895% | 2,653 |
| Cost of funding earning assets | 0.6281% | 1,366 |
| Net interest margin | 3.5614% | 3,286 |
| Noninterest income to average assets | 0.2197% | 4,902 |
| Noninterest expense to average assets | 3.0583% | 1,928 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.3540% | 5,099 |
| Return on assets (ROA) | 0.3540% | 5,118 |
| Pretax return on assets | 0.5371% | 4,955 |
| Return on Equity (ROE) | 1.7016% | 5,346 |
| Retained earnings to average equity (ytd only) | 1.7016% | 4,746 |
| Net charge-offs to loans | -0.0532% | 5,178 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.0614% | 682 |
| Assets per employee ($millions) | 5.5551% | 1,877 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.5898% | 28 |
| Loan loss allowance to noncurrent loans | 130.0264% | 3,067 |
| Noncurrent assets plus other real estate owned to assets | 3.5416% | 208 |
| Noncurrent loans to loans | 4.2990% | 217 |
| Net loans and leases to total assets | 77.7781% | 1,303 |
| Net loans and leases to deposits | 107.1959% | 366 |
| Net loans and leases to core deposits | 109.1364% | 1,085 |
| Total domestic deposits to total assets | 72.5570% | 5,346 |
| Equity capital to assets | 19.8284% | 232 |
| Core capital (leverage) ratio | 19.4295% | 227 |
| Tier 1 risk-based capital ratio | 28.5288% | 538 |
| Total risk-based capital ratio | 29.8533% | 531 |
| Memoranda: | ||
| Average total assets | $141,993,250 | 3,617 |
| Average earning assets | $134,587,000 | 3,565 |
| Average equity | $29,539,750 | 2,406 |
| Average total loans | $117,733,000 | 3,115 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2923% | 2,160 |
| Cost of funding earning assets | 0.6095% | 1,386 |
| Net interest margin | 3.6828% | 2,710 |
| Noninterest income to average assets | 0.2684% | 4,623 |
| Noninterest expense to average assets | 3.0661% | 1,923 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.4536% | 4,846 |
| Return on assets (ROA) | 0.4536% | 4,870 |
| Pretax return on assets | 0.6890% | 4,582 |
| Return on Equity (ROE) | 2.1443% | 5,323 |
| Retained earnings to average equity (ytd only) | 2.1443% | 4,395 |
| Net charge-offs to loans | 0.0017% | 3,457 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 480.0000% | 174 |
| Efficiency ratio | 81.6514% | 1,037 |
| Assets per employee ($millions) | 5.2582% | 2,102 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.7935% | 28 |
| Loan loss allowance to noncurrent loans | 127.8233% | 3,094 |
| Noncurrent assets plus other real estate owned to assets | 3.7796% | 192 |
| Noncurrent loans to loans | 4.5324% | 179 |
| Net loans and leases to total assets | 78.5597% | 1,156 |
| Net loans and leases to deposits | 109.5416% | 272 |
| Net loans and leases to core deposits | 111.0987% | 949 |
| Total domestic deposits to total assets | 71.7168% | 5,472 |
| Equity capital to assets | 20.9155% | 189 |
| Core capital (leverage) ratio | 20.1012% | 204 |
| Tier 1 risk-based capital ratio | 33.0115% | 366 |
| Total risk-based capital ratio | 34.3499% | 354 |
| Memoranda: | ||
| Average total assets | $139,328,670 | 3,677 |
| Average earning assets | $131,911,330 | 3,622 |
| Average equity | $29,473,000 | 2,407 |
| Average total loans | $115,789,330 | 3,146 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3056% | 1,941 |
| Cost of funding earning assets | 0.6063% | 1,331 |
| Net interest margin | 3.6992% | 2,485 |
| Noninterest income to average assets | 0.2377% | 4,839 |
| Noninterest expense to average assets | 2.9361% | 2,347 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.5275% | 4,482 |
| Return on assets (ROA) | 0.5275% | 4,521 |
| Pretax return on assets | 0.8029% | 4,101 |
| Return on Equity (ROE) | 2.4794% | 5,236 |
| Retained earnings to average equity (ytd only) | 2.4794% | 4,150 |
| Net charge-offs to loans | 0.0280% | 2,196 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 34.6250% | 1,132 |
| Efficiency ratio | 78.5271% | 1,560 |
| Assets per employee ($millions) | 5.1505% | 2,243 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.9859% | 29 |
| Loan loss allowance to noncurrent loans | 121.2529% | 3,252 |
| Noncurrent assets plus other real estate owned to assets | 4.2002% | 173 |
| Noncurrent loans to loans | 4.9367% | 169 |
| Net loans and leases to total assets | 77.3867% | 1,216 |
| Net loans and leases to deposits | 105.2561% | 351 |
| Net loans and leases to core deposits | 106.7407% | 1,048 |
| Total domestic deposits to total assets | 73.5223% | 5,452 |
| Equity capital to assets | 21.2075% | 163 |
| Core capital (leverage) ratio | 20.3172% | 192 |
| Tier 1 risk-based capital ratio | 33.3325% | 369 |
| Total risk-based capital ratio | 34.6726% | 363 |
| Memoranda: | ||
| Average total assets | $138,007,500 | 3,725 |
| Average earning assets | $130,622,000 | 3,672 |
| Average equity | $29,362,500 | 2,424 |
| Average total loans | $114,488,500 | 3,185 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2745% | 2,233 |
| Cost of funding earning assets | 0.5848% | 1,455 |
| Net interest margin | 3.6897% | 2,740 |
| Noninterest income to average assets | 0.1010% | 5,647 |
| Noninterest expense to average assets | 3.1223% | 1,970 |
| Loan and lease loss provision to assets | 0.0590% | 3,209 |
| Net operating income to assets | 0.2571% | 5,308 |
| Return on assets (ROA) | 0.2571% | 5,376 |
| Pretax return on assets | 0.3900% | 5,240 |
| Return on Equity (ROE) | 1.1287% | 5,548 |
| Retained earnings to average equity (ytd only) | 1.1287% | 4,848 |
| Net charge-offs to loans | 0.1052% | 2,215 |
| Credit loss provision to net charge-offs | 69.7248% | 3,137 |
| Earnings coverage of net charge-offs (x) | 5.3028% | 3,363 |
| Efficiency ratio | 87.4266% | 723 |
| Assets per employee ($millions) | 5.4780% | 1,881 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.9908% | 22 |
| Loan loss allowance to noncurrent loans | 110.9673% | 3,407 |
| Noncurrent assets plus other real estate owned to assets | 4.5367% | 153 |
| Noncurrent loans to loans | 5.3987% | 134 |
| Net loans and leases to total assets | 78.6033% | 1,104 |
| Net loans and leases to deposits | 106.2120% | 335 |
| Net loans and leases to core deposits | 107.0996% | 1,061 |
| Total domestic deposits to total assets | 74.0060% | 5,444 |
| Equity capital to assets | 21.3456% | 168 |
| Core capital (leverage) ratio | 20.7366% | 174 |
| Tier 1 risk-based capital ratio | 32.5759% | 392 |
| Total risk-based capital ratio | 33.9186% | 381 |
| Memoranda: | ||
| Average total assets | $128,721,200 | 3,853 |
| Average earning assets | $121,065,800 | 3,809 |
| Average equity | $29,326,200 | 2,421 |
| Average total loans | $103,623,400 | 3,323 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2887% | 2,194 |
| Cost of funding earning assets | 0.5832% | 1,470 |
| Net interest margin | 3.7055% | 2,701 |
| Noninterest income to average assets | 0.0821% | 5,761 |
| Noninterest expense to average assets | 3.1874% | 1,810 |
| Loan and lease loss provision to assets | 0.0800% | 2,606 |
| Net operating income to assets | 0.1937% | 5,473 |
| Return on assets (ROA) | 0.1937% | 5,536 |
| Pretax return on assets | 0.2926% | 5,462 |
| Return on Equity (ROE) | 0.8359% | 5,661 |
| Retained earnings to average equity (ytd only) | 0.8359% | 5,133 |
| Net charge-offs to loans | 0.1612% | 1,415 |
| Credit loss provision to net charge-offs | 62.2951% | 2,887 |
| Earnings coverage of net charge-offs (x) | 2.9017% | 3,500 |
| Efficiency ratio | 89.5328% | 591 |
| Assets per employee ($millions) | 6.0277% | 1,416 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.4965% | 19 |
| Loan loss allowance to noncurrent loans | 104.1686% | 3,531 |
| Noncurrent assets plus other real estate owned to assets | 5.1301% | 137 |
| Noncurrent loans to loans | 6.2365% | 108 |
| Net loans and leases to total assets | 74.3147% | 1,813 |
| Net loans and leases to deposits | 99.0502% | 768 |
| Net loans and leases to core deposits | 100.4301% | 1,591 |
| Total domestic deposits to total assets | 75.0273% | 5,334 |
| Equity capital to assets | 22.1923% | 156 |
| Core capital (leverage) ratio | 21.4193% | 153 |
| Tier 1 risk-based capital ratio | 34.9576% | 336 |
| Total risk-based capital ratio | 36.3079% | 330 |
| Memoranda: | ||
| Average total assets | $126,663,750 | 3,910 |
| Average earning assets | $118,883,000 | 3,867 |
| Average equity | $29,349,500 | 2,422 |
| Average total loans | $100,902,250 | 3,374 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3768% | 1,892 |
| Cost of funding earning assets | 0.5803% | 1,471 |
| Net interest margin | 3.7965% | 2,334 |
| Noninterest income to average assets | 0.0674% | 5,864 |
| Noninterest expense to average assets | 2.9242% | 2,598 |
| Loan and lease loss provision to assets | 0.1347% | 1,693 |
| Net operating income to assets | 0.3738% | 5,111 |
| Return on assets (ROA) | 0.3738% | 5,198 |
| Pretax return on assets | 0.5662% | 4,984 |
| Return on Equity (ROE) | 1.5892% | 5,593 |
| Retained earnings to average equity (ytd only) | 1.5892% | 4,743 |
| Net charge-offs to loans | 0.2052% | 1,130 |
| Credit loss provision to net charge-offs | 82.3529% | 2,339 |
| Earnings coverage of net charge-offs (x) | 4.2843% | 3,003 |
| Efficiency ratio | 80.6637% | 1,418 |
| Assets per employee ($millions) | 5.7917% | 1,555 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.6796% | 19 |
| Loan loss allowance to noncurrent loans | 101.4760% | 3,677 |
| Noncurrent assets plus other real estate owned to assets | 5.4215% | 126 |
| Noncurrent loans to loans | 6.5825% | 104 |
| Net loans and leases to total assets | 75.3818% | 1,582 |
| Net loans and leases to deposits | 101.8320% | 573 |
| Net loans and leases to core deposits | 103.5903% | 1,357 |
| Total domestic deposits to total assets | 74.0256% | 5,516 |
| Equity capital to assets | 23.1412% | 130 |
| Core capital (leverage) ratio | 22.0554% | 131 |
| Tier 1 risk-based capital ratio | 36.6471% | 296 |
| Total risk-based capital ratio | 38.0036% | 291 |
| Memoranda: | ||
| Average total assets | $124,682,000 | 3,963 |
| Average earning assets | $116,843,330 | 3,936 |
| Average equity | $29,323,000 | 2,418 |
| Average total loans | $99,404,670 | 3,417 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4664% | 1,606 |
| Cost of funding earning assets | 0.5752% | 1,509 |
| Net interest margin | 3.8912% | 1,959 |
| Noninterest income to average assets | 0.0519% | 5,962 |
| Noninterest expense to average assets | 3.1108% | 2,070 |
| Loan and lease loss provision to assets | -0.0422% | 5,937 |
| Net operating income to assets | 0.4120% | 4,962 |
| Return on assets (ROA) | 0.4120% | 5,036 |
| Pretax return on assets | 0.6260% | 4,742 |
| Return on Equity (ROE) | 1.7373% | 5,563 |
| Retained earnings to average equity (ytd only) | 1.7373% | 4,575 |
| Net charge-offs to loans | 0.1311% | 1,319 |
| Credit loss provision to net charge-offs | -40.6250% | 4,137 |
| Earnings coverage of net charge-offs (x) | 5.6250% | 2,316 |
| Efficiency ratio | 84.1967% | 1,135 |
| Assets per employee ($millions) | 5.7121% | 1,657 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.0165% | 17 |
| Loan loss allowance to noncurrent loans | 98.4757% | 3,661 |
| Noncurrent assets plus other real estate owned to assets | 5.8217% | 123 |
| Noncurrent loans to loans | 7.1251% | 97 |
| Net loans and leases to total assets | 72.2155% | 2,001 |
| Net loans and leases to deposits | 97.9408% | 762 |
| Net loans and leases to core deposits | 99.3867% | 1,528 |
| Total domestic deposits to total assets | 73.7338% | 5,631 |
| Equity capital to assets | 23.3474% | 117 |
| Core capital (leverage) ratio | 22.6377% | 123 |
| Tier 1 risk-based capital ratio | 38.6495% | 257 |
| Total risk-based capital ratio | 40.0131% | 250 |
| Memoranda: | ||
| Average total assets | $123,314,000 | 4,020 |
| Average earning assets | $115,440,500 | 3,981 |
| Average equity | $29,241,500 | 2,421 |
| Average total loans | $97,644,500 | 3,459 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5635% | 1,428 |
| Cost of funding earning assets | 0.5379% | 1,861 |
| Net interest margin | 4.0256% | 1,629 |
| Noninterest income to average assets | 0.1966% | 5,408 |
| Noninterest expense to average assets | 3.2133% | 1,940 |
| Loan and lease loss provision to assets | -0.0143% | 5,645 |
| Net operating income to assets | 0.8308% | 3,191 |
| Return on assets (ROA) | 0.8308% | 3,265 |
| Pretax return on assets | 0.8392% | 4,069 |
| Return on Equity (ROE) | 3.8108% | 5,023 |
| Retained earnings to average equity (ytd only) | 3.8108% | 3,324 |
| Net charge-offs to loans | 0.3682% | 789 |
| Credit loss provision to net charge-offs | -5.0147% | 4,932 |
| Earnings coverage of net charge-offs (x) | 2.8968% | 3,808 |
| Efficiency ratio | 79.5715% | 1,734 |
| Assets per employee ($millions) | 5.9105% | 1,448 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.0560% | 17 |
| Loan loss allowance to noncurrent loans | 99.5667% | 3,695 |
| Noncurrent assets plus other real estate owned to assets | 6.0655% | 133 |
| Noncurrent loans to loans | 7.0867% | 100 |
| Net loans and leases to total assets | 76.8106% | 1,283 |
| Net loans and leases to deposits | 102.9094% | 493 |
| Net loans and leases to core deposits | 104.1764% | 1,210 |
| Total domestic deposits to total assets | 74.6390% | 5,586 |
| Equity capital to assets | 22.3257% | 135 |
| Core capital (leverage) ratio | 22.0076% | 134 |
| Tier 1 risk-based capital ratio | 36.9343% | 282 |
| Total risk-based capital ratio | 38.2887% | 277 |
| Memoranda: | ||
| Average total assets | $119,037,000 | 4,083 |
| Average earning assets | $113,598,000 | 4,008 |
| Average equity | $25,952,600 | 2,622 |
| Average total loans | $92,065,000 | 3,543 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5989% | 1,330 |
| Cost of funding earning assets | 0.5325% | 1,950 |
| Net interest margin | 4.0664% | 1,507 |
| Noninterest income to average assets | 0.2035% | 5,426 |
| Noninterest expense to average assets | 3.2828% | 1,731 |
| Loan and lease loss provision to assets | -0.0380% | 5,890 |
| Net operating income to assets | 0.8241% | 3,307 |
| Return on assets (ROA) | 0.8241% | 3,389 |
| Pretax return on assets | 0.8352% | 4,220 |
| Return on Equity (ROE) | 3.8023% | 5,102 |
| Retained earnings to average equity (ytd only) | 3.8023% | 3,763 |
| Net charge-offs to loans | 0.0779% | 2,437 |
| Credit loss provision to net charge-offs | -64.1509% | 4,992 |
| Earnings coverage of net charge-offs (x) | 13.4537% | 2,327 |
| Efficiency ratio | 80.4604% | 1,592 |
| Assets per employee ($millions) | 5.5957% | 1,692 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.7540% | 12 |
| Loan loss allowance to noncurrent loans | 88.1585% | 3,960 |
| Noncurrent assets plus other real estate owned to assets | 7.3151% | 99 |
| Noncurrent loans to loans | 8.7955% | 56 |
| Net loans and leases to total assets | 72.5070% | 1,978 |
| Net loans and leases to deposits | 97.2604% | 885 |
| Net loans and leases to core deposits | 98.4903% | 1,649 |
| Total domestic deposits to total assets | 74.5494% | 5,659 |
| Equity capital to assets | 22.3317% | 146 |
| Core capital (leverage) ratio | 22.0137% | 136 |
| Tier 1 risk-based capital ratio | 37.8522% | 285 |
| Total risk-based capital ratio | 39.2159% | 282 |
| Memoranda: | ||
| Average total assets | $119,244,000 | 4,130 |
| Average earning assets | $113,676,750 | 4,053 |
| Average equity | $25,843,000 | 2,652 |
| Average total loans | $90,658,750 | 3,608 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5717% | 1,346 |
| Cost of funding earning assets | 0.5257% | 2,023 |
| Net interest margin | 4.0461% | 1,505 |
| Noninterest income to average assets | 0.2487% | 5,167 |
| Noninterest expense to average assets | 3.3667% | 1,536 |
| Loan and lease loss provision to assets | -0.0451% | 6,022 |
| Net operating income to assets | 0.7645% | 3,567 |
| Return on assets (ROA) | 0.7645% | 3,670 |
| Pretax return on assets | 0.7812% | 4,382 |
| Return on Equity (ROE) | 3.5628% | 5,198 |
| Retained earnings to average equity (ytd only) | 3.5628% | 3,762 |
| Net charge-offs to loans | 0.0755% | 2,316 |
| Credit loss provision to net charge-offs | -79.4118% | 4,869 |
| Earnings coverage of net charge-offs (x) | 12.9706% | 2,168 |
| Efficiency ratio | 82.0586% | 1,484 |
| Assets per employee ($millions) | 5.8868% | 1,442 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.3204% | 13 |
| Loan loss allowance to noncurrent loans | 78.9630% | 4,242 |
| Noncurrent assets plus other real estate owned to assets | 8.3297% | 82 |
| Noncurrent loans to loans | 10.5371% | 45 |
| Net loans and leases to total assets | 67.2714% | 2,754 |
| Net loans and leases to deposits | 89.7982% | 1,622 |
| Net loans and leases to core deposits | 91.1972% | 2,225 |
| Total domestic deposits to total assets | 74.9140% | 5,712 |
| Equity capital to assets | 22.0198% | 151 |
| Core capital (leverage) ratio | 21.5468% | 147 |
| Tier 1 risk-based capital ratio | 38.1255% | 289 |
| Total risk-based capital ratio | 39.4917% | 285 |
| Memoranda: | ||
| Average total assets | $119,822,000 | 4,161 |
| Average earning assets | $114,136,000 | 4,071 |
| Average equity | $25,710,000 | 2,672 |
| Average total loans | $90,090,000 | 3,638 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4959% | 1,475 |
| Cost of funding earning assets | 0.5142% | 2,161 |
| Net interest margin | 3.9817% | 1,617 |
| Noninterest income to average assets | 0.2912% | 4,846 |
| Noninterest expense to average assets | 3.3657% | 1,565 |
| Loan and lease loss provision to assets | -0.0695% | 6,185 |
| Net operating income to assets | 0.7877% | 3,327 |
| Return on assets (ROA) | 0.7877% | 3,461 |
| Pretax return on assets | 0.7877% | 4,285 |
| Return on Equity (ROE) | 3.7184% | 5,099 |
| Retained earnings to average equity (ytd only) | 3.7184% | 3,777 |
| Net charge-offs to loans | 0.0609% | 2,137 |
| Credit loss provision to net charge-offs | -150.0000% | 4,559 |
| Earnings coverage of net charge-offs (x) | 15.5000% | 1,621 |
| Efficiency ratio | 82.4149% | 1,573 |
| Assets per employee ($millions) | 6.0868% | 1,343 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.1203% | 12 |
| Loan loss allowance to noncurrent loans | 75.3080% | 4,286 |
| Noncurrent assets plus other real estate owned to assets | 8.5193% | 88 |
| Noncurrent loans to loans | 10.7828% | 50 |
| Net loans and leases to total assets | 67.0418% | 2,604 |
| Net loans and leases to deposits | 88.4015% | 1,574 |
| Net loans and leases to core deposits | 90.2570% | 2,104 |
| Total domestic deposits to total assets | 75.8379% | 5,750 |
| Equity capital to assets | 21.1704% | 178 |
| Core capital (leverage) ratio | 21.2691% | 159 |
| Tier 1 risk-based capital ratio | 38.4639% | 279 |
| Total risk-based capital ratio | 39.8329% | 273 |
| Memoranda: | ||
| Average total assets | $120,865,500 | 4,173 |
| Average earning assets | $115,128,000 | 4,079 |
| Average equity | $25,602,500 | 2,694 |
| Average total loans | $91,940,000 | 3,615 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7307% | 1,236 |
| Cost of funding earning assets | 0.6152% | 1,637 |
| Net interest margin | 4.1156% | 1,531 |
| Noninterest income to average assets | 0.2094% | 5,609 |
| Noninterest expense to average assets | 3.0462% | 2,703 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.0699% | 2,087 |
| Return on assets (ROA) | 1.0699% | 2,140 |
| Pretax return on assets | 1.0699% | 3,209 |
| Return on Equity (ROE) | 5.5042% | 4,402 |
| Retained earnings to average equity (ytd only) | 5.5042% | 2,255 |
| Net charge-offs to loans | 2.7835% | 43 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 0.4890% | 4,633 |
| Efficiency ratio | 74.0065% | 2,834 |
| Assets per employee ($millions) | 5.9998% | 1,377 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.6544% | 16 |
| Loan loss allowance to noncurrent loans | 72.9697% | 4,427 |
| Noncurrent assets plus other real estate owned to assets | 9.1979% | 96 |
| Noncurrent loans to loans | 10.4899% | 62 |
| Net loans and leases to total assets | 73.1730% | 1,727 |
| Net loans and leases to deposits | 96.5760% | 864 |
| Net loans and leases to core deposits | 98.6529% | 1,496 |
| Total domestic deposits to total assets | 75.7673% | 5,771 |
| Equity capital to assets | 21.1950% | 182 |
| Core capital (leverage) ratio | 20.2424% | 204 |
| Tier 1 risk-based capital ratio | 35.2799% | 331 |
| Total risk-based capital ratio | 36.6411% | 324 |
| Memoranda: | ||
| Average total assets | $126,551,600 | 4,044 |
| Average earning assets | $120,129,600 | 3,963 |
| Average equity | $24,599,600 | 2,706 |
| Average total loans | $99,478,800 | 3,434 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6903% | 1,330 |
| Cost of funding earning assets | 0.5822% | 2,000 |
| Net interest margin | 4.1081% | 1,555 |
| Noninterest income to average assets | 0.2403% | 5,484 |
| Noninterest expense to average assets | 2.9986% | 2,802 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.1389% | 1,905 |
| Return on assets (ROA) | 1.1389% | 1,967 |
| Pretax return on assets | 1.1389% | 3,036 |
| Return on Equity (ROE) | 5.9856% | 4,242 |
| Retained earnings to average equity (ytd only) | 5.9856% | 2,416 |
| Net charge-offs to loans | 3.0954% | 34 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 0.4689% | 4,380 |
| Efficiency ratio | 72.4736% | 3,094 |
| Assets per employee ($millions) | 6.0321% | 1,315 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.1523% | 20 |
| Loan loss allowance to noncurrent loans | 66.5981% | 4,588 |
| Noncurrent assets plus other real estate owned to assets | 9.9215% | 91 |
| Noncurrent loans to loans | 12.2411% | 51 |
| Net loans and leases to total assets | 69.1065% | 2,346 |
| Net loans and leases to deposits | 95.2184% | 940 |
| Net loans and leases to core deposits | 96.8770% | 1,603 |
| Total domestic deposits to total assets | 72.5769% | 6,129 |
| Equity capital to assets | 19.7633% | 241 |
| Core capital (leverage) ratio | 19.5118% | 229 |
| Tier 1 risk-based capital ratio | 34.5760% | 369 |
| Total risk-based capital ratio | 35.9432% | 358 |
| Memoranda: | ||
| Average total assets | $128,190,750 | 4,041 |
| Average earning assets | $121,609,500 | 3,955 |
| Average equity | $24,391,250 | 2,725 |
| Average total loans | $100,578,000 | 3,437 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7094% | 1,263 |
| Cost of funding earning assets | 0.5794% | 2,071 |
| Net interest margin | 4.1300% | 1,427 |
| Noninterest income to average assets | 0.1803% | 5,865 |
| Noninterest expense to average assets | 3.0599% | 2,629 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.0303% | 2,202 |
| Return on assets (ROA) | 1.0303% | 2,267 |
| Pretax return on assets | 1.0303% | 3,355 |
| Return on Equity (ROE) | 5.4846% | 4,437 |
| Retained earnings to average equity (ytd only) | 5.4846% | 2,643 |
| Net charge-offs to loans | 2.8710% | 61 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 0.4513% | 4,040 |
| Efficiency ratio | 74.8100% | 2,837 |
| Assets per employee ($millions) | 6.8165% | 866 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.6775% | 12 |
| Loan loss allowance to noncurrent loans | 59.4971% | 4,833 |
| Noncurrent assets plus other real estate owned to assets | 12.1817% | 65 |
| Noncurrent loans to loans | 14.5847% | 37 |
| Net loans and leases to total assets | 70.1747% | 2,052 |
| Net loans and leases to deposits | 95.4805% | 843 |
| Net loans and leases to core deposits | 97.6765% | 1,464 |
| Total domestic deposits to total assets | 73.4963% | 6,153 |
| Equity capital to assets | 19.0296% | 258 |
| Core capital (leverage) ratio | 19.1460% | 233 |
| Tier 1 risk-based capital ratio | 32.3463% | 429 |
| Total risk-based capital ratio | 33.7216% | 420 |
| Memoranda: | ||
| Average total assets | $128,696,330 | 4,061 |
| Average earning assets | $121,840,330 | 3,971 |
| Average equity | $24,176,670 | 2,737 |
| Average total loans | $102,334,000 | 3,410 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6181% | 1,457 |
| Cost of funding earning assets | 0.5847% | 2,118 |
| Net interest margin | 4.0334% | 1,650 |
| Noninterest income to average assets | 0.1372% | 6,157 |
| Noninterest expense to average assets | 3.1991% | 2,239 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.7452% | 3,453 |
| Return on assets (ROA) | 0.7452% | 3,535 |
| Pretax return on assets | 0.7452% | 4,328 |
| Return on Equity (ROE) | 3.9930% | 5,039 |
| Retained earnings to average equity (ytd only) | 3.9930% | 3,718 |
| Net charge-offs to loans | 5.5292% | 20 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 0.1667% | 3,404 |
| Efficiency ratio | 81.1067% | 2,036 |
| Assets per employee ($millions) | 6.3650% | 1,078 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.5817% | 17 |
| Loan loss allowance to noncurrent loans | 56.7177% | 4,961 |
| Noncurrent assets plus other real estate owned to assets | 13.4478% | 54 |
| Noncurrent loans to loans | 15.1305% | 40 |
| Net loans and leases to total assets | 72.5609% | 1,484 |
| Net loans and leases to deposits | 98.7471% | 503 |
| Net loans and leases to core deposits | 101.6228% | 1,007 |
| Total domestic deposits to total assets | 73.4815% | 6,280 |
| Equity capital to assets | 18.9222% | 263 |
| Core capital (leverage) ratio | 18.7962% | 255 |
| Tier 1 risk-based capital ratio | 30.7848% | 491 |
| Total risk-based capital ratio | 32.1561% | 481 |
| Memoranda: | ||
| Average total assets | $128,287,500 | 4,096 |
| Average earning assets | $121,087,500 | 4,022 |
| Average equity | $23,942,000 | 2,760 |
| Average total loans | $103,740,000 | 3,395 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7279% | 1,499 |
| Cost of funding earning assets | 0.8858% | 796 |
| Net interest margin | 3.8421% | 2,495 |
| Noninterest income to average assets | 0.1279% | 6,293 |
| Noninterest expense to average assets | 3.2905% | 2,172 |
| Loan and lease loss provision to assets | 0.7301% | 307 |
| Net operating income to assets | -0.2615% | 6,394 |
| Return on assets (ROA) | -0.2615% | 6,413 |
| Pretax return on assets | -0.2615% | 6,395 |
| Return on Equity (ROE) | -1.5805% | 6,356 |
| Retained earnings to average equity (ytd only) | -1.5805% | 6,132 |
| Net charge-offs to loans | 1.7259% | 247 |
| Credit loss provision to net charge-offs | 50.6268% | 3,797 |
| Earnings coverage of net charge-offs (x) | 0.3250% | 4,976 |
| Efficiency ratio | 87.5324% | 1,264 |
| Assets per employee ($millions) | 6.4638% | 1,001 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 9.4946% | 12 |
| Loan loss allowance to noncurrent loans | 56.2069% | 4,998 |
| Noncurrent assets plus other real estate owned to assets | 15.4887% | 46 |
| Noncurrent loans to loans | 16.8923% | 31 |
| Net loans and leases to total assets | 74.5179% | 1,282 |
| Net loans and leases to deposits | 101.3242% | 426 |
| Net loans and leases to core deposits | 105.3499% | 831 |
| Total domestic deposits to total assets | 73.5440% | 6,314 |
| Equity capital to assets | 18.4073% | 292 |
| Core capital (leverage) ratio | 17.2018% | 352 |
| Tier 1 risk-based capital ratio | 28.9013% | 561 |
| Total risk-based capital ratio | 30.2861% | 541 |
| Memoranda: | ||
| Average total assets | $143,810,000 | 3,814 |
| Average earning assets | $135,917,000 | 3,721 |
| Average equity | $23,790,200 | 2,747 |
| Average total loans | $120,166,600 | 3,034 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7492% | 1,479 |
| Cost of funding earning assets | 0.8409% | 1,089 |
| Net interest margin | 3.9083% | 2,242 |
| Noninterest income to average assets | -0.0190% | 6,774 |
| Noninterest expense to average assets | 3.2717% | 2,140 |
| Loan and lease loss provision to assets | 0.9495% | 180 |
| Net operating income to assets | -0.5417% | 6,616 |
| Return on assets (ROA) | -0.5417% | 6,626 |
| Pretax return on assets | -0.5417% | 6,613 |
| Return on Equity (ROE) | -3.3573% | 6,539 |
| Retained earnings to average equity (ytd only) | -3.3573% | 6,385 |
| Net charge-offs to loans | 2.0507% | 178 |
| Credit loss provision to net charge-offs | 55.2341% | 3,393 |
| Earnings coverage of net charge-offs (x) | 0.2372% | 4,787 |
| Efficiency ratio | 88.9162% | 1,088 |
| Assets per employee ($millions) | 7.0722% | 717 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 9.1775% | 14 |
| Loan loss allowance to noncurrent loans | 50.1317% | 5,226 |
| Noncurrent assets plus other real estate owned to assets | 15.8784% | 42 |
| Noncurrent loans to loans | 18.3068% | 25 |
| Net loans and leases to total assets | 71.9034% | 1,610 |
| Net loans and leases to deposits | 104.3771% | 281 |
| Net loans and leases to core deposits | 108.7709% | 631 |
| Total domestic deposits to total assets | 68.8880% | 6,638 |
| Equity capital to assets | 16.6716% | 455 |
| Core capital (leverage) ratio | 16.7098% | 415 |
| Tier 1 risk-based capital ratio | 26.1760% | 775 |
| Total risk-based capital ratio | 27.5502% | 752 |
| Memoranda: | ||
| Average total assets | $147,443,750 | 3,788 |
| Average earning assets | $139,529,250 | 3,705 |
| Average equity | $23,788,750 | 2,779 |
| Average total loans | $123,598,500 | 2,985 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7701% | 1,393 |
| Cost of funding earning assets | 0.8622% | 1,077 |
| Net interest margin | 3.9080% | 2,191 |
| Noninterest income to average assets | -0.0040% | 6,810 |
| Noninterest expense to average assets | 3.2695% | 2,162 |
| Loan and lease loss provision to assets | 1.4052% | 98 |
| Net operating income to assets | -0.9783% | 6,749 |
| Return on assets (ROA) | -0.9783% | 6,754 |
| Pretax return on assets | -0.9783% | 6,732 |
| Return on Equity (ROE) | -6.1279% | 6,660 |
| Retained earnings to average equity (ytd only) | -6.1279% | 6,521 |
| Net charge-offs to loans | 3.0297% | 95 |
| Credit loss provision to net charge-offs | 54.3760% | 3,137 |
| Earnings coverage of net charge-offs (x) | 0.1652% | 4,494 |
| Efficiency ratio | 88.4504% | 1,179 |
| Assets per employee ($millions) | 6.8497% | 770 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.4546% | 13 |
| Loan loss allowance to noncurrent loans | 47.5876% | 5,309 |
| Noncurrent assets plus other real estate owned to assets | 16.2913% | 45 |
| Noncurrent loans to loans | 17.7664% | 30 |
| Net loans and leases to total assets | 77.1419% | 848 |
| Net loans and leases to deposits | 111.7586% | 117 |
| Net loans and leases to core deposits | 117.6164% | 360 |
| Total domestic deposits to total assets | 69.0255% | 6,690 |
| Equity capital to assets | 16.3406% | 485 |
| Core capital (leverage) ratio | 16.1670% | 445 |
| Tier 1 risk-based capital ratio | 25.0401% | 870 |
| Total risk-based capital ratio | 26.4089% | 843 |
| Memoranda: | ||
| Average total assets | $149,443,670 | 3,786 |
| Average earning assets | $141,505,000 | 3,703 |
| Average equity | $23,858,000 | 2,786 |
| Average total loans | $127,471,330 | 2,929 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6696% | 1,620 |
| Cost of funding earning assets | 0.8974% | 996 |
| Net interest margin | 3.7722% | 2,554 |
| Noninterest income to average assets | 0.0762% | 6,651 |
| Noninterest expense to average assets | 3.0425% | 2,858 |
| Loan and lease loss provision to assets | 1.9705% | 60 |
| Net operating income to assets | -1.3584% | 6,871 |
| Return on assets (ROA) | -1.3584% | 6,875 |
| Pretax return on assets | -1.3584% | 6,866 |
| Return on Equity (ROE) | -8.6043% | 6,779 |
| Retained earnings to average equity (ytd only) | -8.6043% | 6,555 |
| Net charge-offs to loans | 1.6110% | 321 |
| Credit loss provision to net charge-offs | 142.5856% | 1,417 |
| Earnings coverage of net charge-offs (x) | 0.4430% | 3,666 |
| Efficiency ratio | 83.2495% | 1,861 |
| Assets per employee ($millions) | 7.0178% | 766 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.8931% | 20 |
| Loan loss allowance to noncurrent loans | 45.0155% | 5,374 |
| Noncurrent assets plus other real estate owned to assets | 18.4503% | 36 |
| Noncurrent loans to loans | 19.7557% | 26 |
| Net loans and leases to total assets | 78.9128% | 522 |
| Net loans and leases to deposits | 114.1084% | 96 |
| Net loans and leases to core deposits | 120.4040% | 278 |
| Total domestic deposits to total assets | 69.1560% | 6,779 |
| Equity capital to assets | 16.1331% | 540 |
| Core capital (leverage) ratio | 15.6539% | 497 |
| Tier 1 risk-based capital ratio | 24.0021% | 1,011 |
| Total risk-based capital ratio | 25.3781% | 978 |
| Memoranda: | ||
| Average total assets | $152,243,500 | 3,770 |
| Average earning assets | $144,425,000 | 3,688 |
| Average equity | $24,034,500 | 2,802 |
| Average total loans | $130,601,000 | 2,883 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7769% | 2,292 |
| Cost of funding earning assets | 1.0186% | 1,261 |
| Net interest margin | 3.7583% | 3,400 |
| Noninterest income to average assets | 0.4090% | 4,532 |
| Noninterest expense to average assets | 2.9587% | 3,434 |
| Loan and lease loss provision to assets | 2.5594% | 58 |
| Net operating income to assets | -1.5321% | 6,866 |
| Return on assets (ROA) | -1.5321% | 6,876 |
| Pretax return on assets | -1.5321% | 6,856 |
| Return on Equity (ROE) | -10.6334% | 6,736 |
| Retained earnings to average equity (ytd only) | -10.6334% | 6,657 |
| Net charge-offs to loans | 2.3633% | 273 |
| Credit loss provision to net charge-offs | 125.9983% | 2,243 |
| Earnings coverage of net charge-offs (x) | 0.5057% | 5,233 |
| Efficiency ratio | 74.2280% | 3,034 |
| Assets per employee ($millions) | 7.4816% | 627 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.3330% | 28 |
| Loan loss allowance to noncurrent loans | 41.7881% | 5,548 |
| Noncurrent assets plus other real estate owned to assets | 18.2270% | 42 |
| Noncurrent loans to loans | 19.9411% | 30 |
| Net loans and leases to total assets | 77.9210% | 685 |
| Net loans and leases to deposits | 114.4117% | 107 |
| Net loans and leases to core deposits | 130.0598% | 187 |
| Total domestic deposits to total assets | 68.1058% | 6,855 |
| Equity capital to assets | 15.4621% | 642 |
| Core capital (leverage) ratio | 14.9514% | 581 |
| Tier 1 risk-based capital ratio | 23.2251% | 1,073 |
| Total risk-based capital ratio | 24.5913% | 1,045 |
| Memoranda: | ||
| Average total assets | $176,294,000 | 3,358 |
| Average earning assets | $167,786,600 | 3,257 |
| Average equity | $25,401,000 | 2,619 |
| Average total loans | $151,522,400 | 2,550 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9727% | 1,766 |
| Cost of funding earning assets | 1.0332% | 1,377 |
| Net interest margin | 3.9395% | 2,758 |
| Noninterest income to average assets | 0.4712% | 4,127 |
| Noninterest expense to average assets | 3.0069% | 3,206 |
| Loan and lease loss provision to assets | 2.7698% | 50 |
| Net operating income to assets | -1.5550% | 6,978 |
| Return on assets (ROA) | -1.5550% | 6,990 |
| Pretax return on assets | -1.5550% | 6,966 |
| Return on Equity (ROE) | -10.9663% | 6,878 |
| Retained earnings to average equity (ytd only) | -10.9663% | 6,839 |
| Net charge-offs to loans | 2.4971% | 249 |
| Credit loss provision to net charge-offs | 128.7474% | 2,235 |
| Earnings coverage of net charge-offs (x) | 0.5647% | 5,039 |
| Efficiency ratio | 71.2243% | 3,465 |
| Assets per employee ($millions) | 9.7836% | 260 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.6903% | 32 |
| Loan loss allowance to noncurrent loans | 39.4313% | 5,669 |
| Noncurrent assets plus other real estate owned to assets | 17.5414% | 62 |
| Noncurrent loans to loans | 19.5030% | 45 |
| Net loans and leases to total assets | 79.6616% | 535 |
| Net loans and leases to deposits | 116.7636% | 94 |
| Net loans and leases to core deposits | 143.8526% | 127 |
| Total domestic deposits to total assets | 68.2247% | 6,911 |
| Equity capital to assets | 15.0155% | 820 |
| Core capital (leverage) ratio | 14.7841% | 650 |
| Tier 1 risk-based capital ratio | 22.1914% | 1,299 |
| Total risk-based capital ratio | 23.5474% | 1,260 |
| Memoranda: | ||
| Average total assets | $181,089,250 | 3,329 |
| Average earning assets | $172,402,500 | 3,228 |
| Average equity | $25,678,000 | 2,620 |
| Average total loans | $156,014,750 | 2,519 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9855% | 1,825 |
| Cost of funding earning assets | 1.0606% | 1,409 |
| Net interest margin | 3.9249% | 2,813 |
| Noninterest income to average assets | 0.6731% | 2,815 |
| Noninterest expense to average assets | 2.9848% | 3,319 |
| Loan and lease loss provision to assets | 3.2385% | 47 |
| Net operating income to assets | -1.8182% | 7,053 |
| Return on assets (ROA) | -1.8182% | 7,066 |
| Pretax return on assets | -1.8182% | 7,051 |
| Return on Equity (ROE) | -13.0515% | 6,955 |
| Retained earnings to average equity (ytd only) | -13.0515% | 6,909 |
| Net charge-offs to loans | 2.5884% | 266 |
| Credit loss provision to net charge-offs | 145.2967% | 1,908 |
| Earnings coverage of net charge-offs (x) | 0.6372% | 4,746 |
| Efficiency ratio | 67.7569% | 4,175 |
| Assets per employee ($millions) | 10.0375% | 224 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.3906% | 41 |
| Loan loss allowance to noncurrent loans | 39.5118% | 5,681 |
| Noncurrent assets plus other real estate owned to assets | 17.3976% | 64 |
| Noncurrent loans to loans | 18.7049% | 57 |
| Net loans and leases to total assets | 81.7760% | 347 |
| Net loans and leases to deposits | 119.5652% | 73 |
| Net loans and leases to core deposits | 152.5755% | 100 |
| Total domestic deposits to total assets | 68.3945% | 6,981 |
| Equity capital to assets | 14.8830% | 818 |
| Core capital (leverage) ratio | 14.4364% | 711 |
| Tier 1 risk-based capital ratio | 21.3000% | 1,423 |
| Total risk-based capital ratio | 22.6495% | 1,380 |
| Memoranda: | ||
| Average total assets | $186,012,000 | 3,264 |
| Average earning assets | $176,873,000 | 3,179 |
| Average equity | $25,912,670 | 2,582 |
| Average total loans | $160,175,670 | 2,462 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9443% | 2,076 |
| Cost of funding earning assets | 1.0450% | 1,711 |
| Net interest margin | 3.8993% | 2,927 |
| Noninterest income to average assets | 0.0867% | 6,797 |
| Noninterest expense to average assets | 2.8931% | 3,649 |
| Loan and lease loss provision to assets | 4.6712% | 24 |
| Net operating income to assets | -3.7791% | 7,253 |
| Return on assets (ROA) | -3.7791% | 7,253 |
| Pretax return on assets | -3.7791% | 7,244 |
| Return on Equity (ROE) | -27.9699% | 7,157 |
| Retained earnings to average equity (ytd only) | -27.9699% | 7,117 |
| Net charge-offs to loans | 4.9792% | 96 |
| Credit loss provision to net charge-offs | 110.1802% | 2,128 |
| Earnings coverage of net charge-offs (x) | 0.2104% | 4,264 |
| Efficiency ratio | 76.4321% | 2,724 |
| Assets per employee ($millions) | 10.1169% | 224 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.4939% | 57 |
| Loan loss allowance to noncurrent loans | 37.9679% | 5,736 |
| Noncurrent assets plus other real estate owned to assets | 16.3669% | 85 |
| Noncurrent loans to loans | 17.1038% | 81 |
| Net loans and leases to total assets | 82.2877% | 264 |
| Net loans and leases to deposits | 119.4643% | 72 |
| Net loans and leases to core deposits | 163.1482% | 81 |
| Total domestic deposits to total assets | 68.8806% | 7,025 |
| Equity capital to assets | 13.8689% | 1,064 |
| Core capital (leverage) ratio | 13.1356% | 1,074 |
| Tier 1 risk-based capital ratio | 19.5436% | 1,827 |
| Total risk-based capital ratio | 20.8777% | 1,773 |
| Memoranda: | ||
| Average total assets | $193,699,000 | 3,185 |
| Average earning assets | $183,725,000 | 3,098 |
| Average equity | $26,171,000 | 2,555 |
| Average total loans | $164,925,000 | 2,415 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2628% | 1,824 |
| Cost of funding earning assets | 1.4169% | 965 |
| Net interest margin | 3.8459% | 3,590 |
| Noninterest income to average assets | 0.1482% | 6,406 |
| Noninterest expense to average assets | 2.1338% | 6,421 |
| Loan and lease loss provision to assets | 4.1952% | 44 |
| Net operating income to assets | -3.1492% | 7,198 |
| Return on assets (ROA) | -3.1492% | 7,199 |
| Pretax return on assets | -2.5829% | 7,133 |
| Return on Equity (ROE) | -20.9811% | 6,996 |
| Retained earnings to average equity (ytd only) | -20.9811% | 6,982 |
| Net charge-offs to loans | 3.4514% | 224 |
| Credit loss provision to net charge-offs | 138.8290% | 2,130 |
| Earnings coverage of net charge-offs (x) | 0.5335% | 5,426 |
| Efficiency ratio | 56.9612% | 6,189 |
| Assets per employee ($millions) | 12.0761% | 147 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.0138% | 91 |
| Loan loss allowance to noncurrent loans | 40.3729% | 5,577 |
| Noncurrent assets plus other real estate owned to assets | 13.6035% | 167 |
| Noncurrent loans to loans | 14.8957% | 131 |
| Net loans and leases to total assets | 77.6422% | 751 |
| Net loans and leases to deposits | 113.9285% | 119 |
| Net loans and leases to core deposits | 172.4819% | 87 |
| Total domestic deposits to total assets | 68.1499% | 7,068 |
| Equity capital to assets | 13.1938% | 1,400 |
| Core capital (leverage) ratio | 12.8482% | 1,202 |
| Tier 1 risk-based capital ratio | 19.7702% | 1,691 |
| Total risk-based capital ratio | 21.0965% | 1,644 |
| Memoranda: | ||
| Average total assets | $205,734,000 | 2,993 |
| Average earning assets | $192,463,200 | 2,939 |
| Average equity | $30,880,200 | 2,136 |
| Average total loans | $180,130,200 | 2,245 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3615% | 1,645 |
| Cost of funding earning assets | 1.4984% | 867 |
| Net interest margin | 3.8631% | 3,556 |
| Noninterest income to average assets | 0.1852% | 6,272 |
| Noninterest expense to average assets | 2.0960% | 6,505 |
| Loan and lease loss provision to assets | 4.4162% | 45 |
| Net operating income to assets | -1.8434% | 7,107 |
| Return on assets (ROA) | -1.8434% | 7,119 |
| Pretax return on assets | -2.7282% | 7,248 |
| Return on Equity (ROE) | -11.9218% | 6,946 |
| Retained earnings to average equity (ytd only) | -11.9218% | 6,916 |
| Net charge-offs to loans | 4.1568% | 147 |
| Credit loss provision to net charge-offs | 119.6560% | 2,724 |
| Earnings coverage of net charge-offs (x) | 0.4574% | 5,283 |
| Efficiency ratio | 55.3920% | 6,352 |
| Assets per employee ($millions) | 11.0289% | 185 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0827% | 169 |
| Loan loss allowance to noncurrent loans | 35.5676% | 5,929 |
| Noncurrent assets plus other real estate owned to assets | 13.8465% | 163 |
| Noncurrent loans to loans | 14.2902% | 155 |
| Net loans and leases to total assets | 83.7593% | 238 |
| Net loans and leases to deposits | 116.7378% | 108 |
| Net loans and leases to core deposits | 189.9919% | 73 |
| Total domestic deposits to total assets | 71.7499% | 6,950 |
| Equity capital to assets | 15.4740% | 731 |
| Core capital (leverage) ratio | 15.3702% | 597 |
| Tier 1 risk-based capital ratio | 23.7524% | 1,043 |
| Total risk-based capital ratio | 25.0723% | 1,021 |
| Memoranda: | ||
| Average total assets | $205,844,250 | 3,007 |
| Average earning assets | $191,756,000 | 2,959 |
| Average equity | $31,828,750 | 2,088 |
| Average total loans | $182,764,500 | 2,223 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4699% | 1,362 |
| Cost of funding earning assets | 1.5148% | 957 |
| Net interest margin | 3.9551% | 3,069 |
| Noninterest income to average assets | 0.1258% | 6,699 |
| Noninterest expense to average assets | 2.1528% | 6,498 |
| Loan and lease loss provision to assets | 4.2461% | 65 |
| Net operating income to assets | -1.7553% | 7,149 |
| Return on assets (ROA) | -1.7553% | 7,159 |
| Pretax return on assets | -2.5878% | 7,258 |
| Return on Equity (ROE) | -11.3545% | 6,977 |
| Retained earnings to average equity (ytd only) | -11.3545% | 6,924 |
| Net charge-offs to loans | 3.9430% | 208 |
| Credit loss provision to net charge-offs | 121.0512% | 2,521 |
| Earnings coverage of net charge-offs (x) | 0.4728% | 4,953 |
| Efficiency ratio | 56.4878% | 6,366 |
| Assets per employee ($millions) | 11.9822% | 149 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7240% | 229 |
| Loan loss allowance to noncurrent loans | 34.8616% | 5,987 |
| Noncurrent assets plus other real estate owned to assets | 13.5082% | 189 |
| Noncurrent loans to loans | 13.5508% | 180 |
| Net loans and leases to total assets | 84.6940% | 194 |
| Net loans and leases to deposits | 118.8203% | 95 |
| Net loans and leases to core deposits | 193.9604% | 74 |
| Total domestic deposits to total assets | 71.2791% | 7,046 |
| Equity capital to assets | 15.5804% | 687 |
| Core capital (leverage) ratio | 15.5951% | 561 |
| Tier 1 risk-based capital ratio | 23.4389% | 1,067 |
| Total risk-based capital ratio | 24.7513% | 1,044 |
| Memoranda: | ||
| Average total assets | $208,285,670 | 2,995 |
| Average earning assets | $194,080,330 | 2,947 |
| Average equity | $32,198,670 | 2,050 |
| Average total loans | $185,291,670 | 2,218 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5091% | 1,271 |
| Cost of funding earning assets | 1.5335% | 1,039 |
| Net interest margin | 3.9756% | 2,793 |
| Noninterest income to average assets | 0.0779% | 7,003 |
| Noninterest expense to average assets | 2.4846% | 5,610 |
| Loan and lease loss provision to assets | 7.8279% | 26 |
| Net operating income to assets | -4.3138% | 7,460 |
| Return on assets (ROA) | -4.3138% | 7,462 |
| Pretax return on assets | -6.5362% | 7,513 |
| Return on Equity (ROE) | -28.0115% | 7,304 |
| Retained earnings to average equity (ytd only) | -28.0115% | 7,272 |
| Net charge-offs to loans | 7.1846% | 70 |
| Credit loss provision to net charge-offs | 122.4302% | 2,239 |
| Earnings coverage of net charge-offs (x) | 0.2020% | 4,460 |
| Efficiency ratio | 65.7948% | 5,065 |
| Assets per employee ($millions) | 12.2215% | 145 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6184% | 261 |
| Loan loss allowance to noncurrent loans | 36.0295% | 5,895 |
| Noncurrent assets plus other real estate owned to assets | 12.3427% | 247 |
| Noncurrent loans to loans | 12.8184% | 238 |
| Net loans and leases to total assets | 84.8796% | 181 |
| Net loans and leases to deposits | 120.9798% | 85 |
| Net loans and leases to core deposits | 200.5721% | 76 |
| Total domestic deposits to total assets | 70.1602% | 7,173 |
| Equity capital to assets | 15.0617% | 749 |
| Core capital (leverage) ratio | 15.1601% | 631 |
| Tier 1 risk-based capital ratio | 20.7693% | 1,439 |
| Total risk-based capital ratio | 22.0735% | 1,404 |
| Memoranda: | ||
| Average total assets | $210,579,500 | 2,981 |
| Average earning assets | $195,895,000 | 2,934 |
| Average equity | $32,429,500 | 2,015 |
| Average total loans | $187,400,500 | 2,217 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9903% | 864 |
| Cost of funding earning assets | 1.7467% | 1,390 |
| Net interest margin | 4.2436% | 2,020 |
| Noninterest income to average assets | 0.1414% | 6,681 |
| Noninterest expense to average assets | 2.0234% | 6,982 |
| Loan and lease loss provision to assets | 4.3724% | 126 |
| Net operating income to assets | -1.4871% | 6,909 |
| Return on assets (ROA) | -1.4871% | 6,923 |
| Pretax return on assets | -2.2533% | 7,104 |
| Return on Equity (ROE) | -8.7335% | 6,663 |
| Retained earnings to average equity (ytd only) | -8.7335% | 6,576 |
| Net charge-offs to loans | 3.3339% | 457 |
| Credit loss provision to net charge-offs | 145.6901% | 2,529 |
| Earnings coverage of net charge-offs (x) | 0.7061% | 5,402 |
| Efficiency ratio | 48.8454% | 7,212 |
| Assets per employee ($millions) | 11.8552% | 163 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0988% | 366 |
| Loan loss allowance to noncurrent loans | 63.5948% | 4,218 |
| Noncurrent assets plus other real estate owned to assets | 6.8025% | 822 |
| Noncurrent loans to loans | 6.4451% | 938 |
| Net loans and leases to total assets | 85.3482% | 216 |
| Net loans and leases to deposits | 128.6726% | 71 |
| Net loans and leases to core deposits | 153.9561% | 164 |
| Total domestic deposits to total assets | 66.3297% | 7,379 |
| Equity capital to assets | 15.7297% | 633 |
| Core capital (leverage) ratio | 15.9548% | 517 |
| Tier 1 risk-based capital ratio | 22.0545% | 1,169 |
| Total risk-based capital ratio | 23.3522% | 1,130 |
| Memoranda: | ||
| Average total assets | $212,219,800 | 2,960 |
| Average earning assets | $200,090,800 | 2,879 |
| Average equity | $36,136,600 | 1,829 |
| Average total loans | $191,039,400 | 2,242 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9811% | 973 |
| Cost of funding earning assets | 1.8179% | 1,352 |
| Net interest margin | 4.1633% | 2,356 |
| Noninterest income to average assets | 0.1510% | 6,783 |
| Noninterest expense to average assets | 1.9925% | 7,059 |
| Loan and lease loss provision to assets | 2.2636% | 490 |
| Net operating income to assets | -0.5140% | 6,599 |
| Return on assets (ROA) | -0.5140% | 6,649 |
| Pretax return on assets | -0.1629% | 6,287 |
| Return on Equity (ROE) | -2.9618% | 6,485 |
| Retained earnings to average equity (ytd only) | -2.9618% | 6,344 |
| Net charge-offs to loans | 1.7360% | 1,120 |
| Credit loss provision to net charge-offs | 144.4400% | 2,723 |
| Earnings coverage of net charge-offs (x) | 1.3404% | 4,742 |
| Efficiency ratio | 48.6781% | 7,228 |
| Assets per employee ($millions) | 11.7671% | 176 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1278% | 745 |
| Loan loss allowance to noncurrent loans | 40.4231% | 5,596 |
| Noncurrent assets plus other real estate owned to assets | 7.8477% | 652 |
| Noncurrent loans to loans | 7.7378% | 689 |
| Net loans and leases to total assets | 87.4556% | 123 |
| Net loans and leases to deposits | 139.5582% | 45 |
| Net loans and leases to core deposits | 168.5106% | 126 |
| Total domestic deposits to total assets | 62.6660% | 7,544 |
| Equity capital to assets | 16.9518% | 521 |
| Core capital (leverage) ratio | 17.0171% | 430 |
| Tier 1 risk-based capital ratio | 23.7134% | 980 |
| Total risk-based capital ratio | 24.9967% | 951 |
| Memoranda: | ||
| Average total assets | $211,926,500 | 3,012 |
| Average earning assets | $200,671,000 | 2,909 |
| Average equity | $36,779,250 | 1,818 |
| Average total loans | $191,321,500 | 2,274 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9798% | 992 |
| Cost of funding earning assets | 1.8425% | 1,471 |
| Net interest margin | 4.1373% | 2,393 |
| Noninterest income to average assets | 0.1934% | 6,516 |
| Noninterest expense to average assets | 2.0720% | 6,976 |
| Loan and lease loss provision to assets | 1.3191% | 1,031 |
| Net operating income to assets | 0.4755% | 4,436 |
| Return on assets (ROA) | 0.4755% | 4,589 |
| Pretax return on assets | 0.7199% | 4,165 |
| Return on Equity (ROE) | 2.7191% | 5,357 |
| Retained earnings to average equity (ytd only) | 2.7191% | 4,400 |
| Net charge-offs to loans | 0.4421% | 3,211 |
| Credit loss provision to net charge-offs | 330.4965% | 1,106 |
| Earnings coverage of net charge-offs (x) | 5.1087% | 2,747 |
| Efficiency ratio | 50.4017% | 7,201 |
| Assets per employee ($millions) | 12.0138% | 161 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0359% | 797 |
| Loan loss allowance to noncurrent loans | 37.7680% | 5,835 |
| Noncurrent assets plus other real estate owned to assets | 8.5041% | 546 |
| Noncurrent loans to loans | 8.0383% | 647 |
| Net loans and leases to total assets | 86.3727% | 200 |
| Net loans and leases to deposits | 144.0826% | 43 |
| Net loans and leases to core deposits | 172.0872% | 132 |
| Total domestic deposits to total assets | 59.9466% | 7,659 |
| Equity capital to assets | 17.2140% | 501 |
| Core capital (leverage) ratio | 17.4605% | 400 |
| Tier 1 risk-based capital ratio | 23.4424% | 1,001 |
| Total risk-based capital ratio | 24.7227% | 978 |
| Memoranda: | ||
| Average total assets | $211,966,330 | 3,032 |
| Average earning assets | $200,708,670 | 2,941 |
| Average equity | $37,070,670 | 1,800 |
| Average total loans | $191,356,000 | 2,301 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0188% | 941 |
| Cost of funding earning assets | 1.9006% | 1,446 |
| Net interest margin | 4.1182% | 2,361 |
| Noninterest income to average assets | 0.1506% | 6,889 |
| Noninterest expense to average assets | 2.0074% | 7,146 |
| Loan and lease loss provision to assets | 0.4766% | 2,593 |
| Net operating income to assets | 1.0390% | 2,036 |
| Return on assets (ROA) | 1.0390% | 2,098 |
| Pretax return on assets | 1.5785% | 1,318 |
| Return on Equity (ROE) | 5.8929% | 3,924 |
| Retained earnings to average equity (ytd only) | 5.8929% | 2,668 |
| Net charge-offs to loans | 0.3062% | 3,192 |
| Credit loss provision to net charge-offs | 171.2329% | 2,120 |
| Earnings coverage of net charge-offs (x) | 7.3836% | 2,096 |
| Efficiency ratio | 49.4134% | 7,348 |
| Assets per employee ($millions) | 11.8344% | 182 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5984% | 1,180 |
| Loan loss allowance to noncurrent loans | 35.2924% | 6,031 |
| Noncurrent assets plus other real estate owned to assets | 7.3139% | 712 |
| Noncurrent loans to loans | 7.3624% | 782 |
| Net loans and leases to total assets | 87.5993% | 143 |
| Net loans and leases to deposits | 155.6356% | 38 |
| Net loans and leases to core deposits | 187.9668% | 114 |
| Total domestic deposits to total assets | 56.2849% | 7,794 |
| Equity capital to assets | 17.4941% | 471 |
| Core capital (leverage) ratio | 17.4312% | 413 |
| Tier 1 risk-based capital ratio | 23.8252% | 980 |
| Total risk-based capital ratio | 25.0988% | 958 |
| Memoranda: | ||
| Average total assets | $209,825,000 | 3,103 |
| Average earning assets | $199,310,000 | 3,008 |
| Average equity | $36,993,500 | 1,819 |
| Average total loans | $190,720,000 | 2,362 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3310% | 962 |
| Cost of funding earning assets | 2.2683% | 1,776 |
| Net interest margin | 4.0628% | 2,597 |
| Noninterest income to average assets | 0.1145% | 7,183 |
| Noninterest expense to average assets | 2.0371% | 7,306 |
| Loan and lease loss provision to assets | 2.4024% | 838 |
| Net operating income to assets | -0.3007% | 5,972 |
| Return on assets (ROA) | -0.3007% | 5,971 |
| Pretax return on assets | -0.4429% | 5,957 |
| Return on Equity (ROE) | -1.6021% | 5,794 |
| Retained earnings to average equity (ytd only) | -1.6021% | 5,414 |
| Net charge-offs to loans | 0.9447% | 2,504 |
| Credit loss provision to net charge-offs | 275.3820% | 1,245 |
| Earnings coverage of net charge-offs (x) | 2.2462% | 4,034 |
| Efficiency ratio | 50.9697% | 7,476 |
| Assets per employee ($millions) | 11.4794% | 191 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5672% | 1,154 |
| Loan loss allowance to noncurrent loans | 39.4337% | 5,781 |
| Noncurrent assets plus other real estate owned to assets | 6.5678% | 826 |
| Noncurrent loans to loans | 6.5101% | 920 |
| Net loans and leases to total assets | 89.5243% | 106 |
| Net loans and leases to deposits | 165.2764% | 34 |
| Net loans and leases to core deposits | 225.6645% | 60 |
| Total domestic deposits to total assets | 54.1664% | 7,877 |
| Equity capital to assets | 17.7714% | 464 |
| Core capital (leverage) ratio | 17.6262% | 428 |
| Tier 1 risk-based capital ratio | 24.5191% | 897 |
| Total risk-based capital ratio | 25.7938% | 870 |
| Memoranda: | ||
| Average total assets | $202,547,200 | 3,155 |
| Average earning assets | $193,538,200 | 3,055 |
| Average equity | $38,011,600 | 1,760 |
| Average total loans | $187,041,200 | 2,437 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4782% | 789 |
| Cost of funding earning assets | 2.3436% | 1,836 |
| Net interest margin | 4.1346% | 2,267 |
| Noninterest income to average assets | 0.1138% | 7,326 |
| Noninterest expense to average assets | 1.9994% | 7,387 |
| Loan and lease loss provision to assets | 0.1594% | 5,753 |
| Net operating income to assets | 1.3086% | 1,196 |
| Return on assets (ROA) | 1.3086% | 1,273 |
| Pretax return on assets | 1.9094% | 648 |
| Return on Equity (ROE) | 6.8797% | 3,130 |
| Retained earnings to average equity (ytd only) | 6.8797% | 1,558 |
| Net charge-offs to loans | 0.4923% | 3,259 |
| Credit loss provision to net charge-offs | 35.0291% | 6,470 |
| Earnings coverage of net charge-offs (x) | 4.5451% | 3,099 |
| Efficiency ratio | 49.1462% | 7,614 |
| Assets per employee ($millions) | 11.9788% | 178 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7038% | 7,356 |
| Loan loss allowance to noncurrent loans | 10.4026% | 7,442 |
| Noncurrent assets plus other real estate owned to assets | 6.8327% | 711 |
| Noncurrent loans to loans | 6.7660% | 830 |
| Net loans and leases to total assets | 92.0015% | 58 |
| Net loans and leases to deposits | 176.0801% | 37 |
| Net loans and leases to core deposits | 234.5435% | 59 |
| Total domestic deposits to total assets | 52.2498% | 7,962 |
| Equity capital to assets | 19.3028% | 389 |
| Core capital (leverage) ratio | 19.3138% | 355 |
| Tier 1 risk-based capital ratio | 26.3731% | 796 |
| Total risk-based capital ratio | 27.2642% | 802 |
| Memoranda: | ||
| Average total assets | $201,526,500 | 3,187 |
| Average earning assets | $192,743,750 | 3,081 |
| Average equity | $38,334,250 | 1,776 |
| Average total loans | $186,337,000 | 2,467 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4664% | 884 |
| Cost of funding earning assets | 2.4354% | 1,827 |
| Net interest margin | 4.0310% | 2,575 |
| Noninterest income to average assets | 0.1205% | 7,382 |
| Noninterest expense to average assets | 1.8484% | 7,686 |
| Loan and lease loss provision to assets | 0.1195% | 5,930 |
| Net operating income to assets | 1.3246% | 1,178 |
| Return on assets (ROA) | 1.3246% | 1,249 |
| Pretax return on assets | 2.0097% | 549 |
| Return on Equity (ROE) | 6.9982% | 3,205 |
| Retained earnings to average equity (ytd only) | 6.9982% | 1,590 |
| Net charge-offs to loans | 0.3589% | 3,384 |
| Credit loss provision to net charge-offs | 36.0360% | 5,957 |
| Earnings coverage of net charge-offs (x) | 6.4204% | 2,622 |
| Efficiency ratio | 46.4697% | 7,831 |
| Assets per employee ($millions) | 11.2819% | 194 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8358% | 7,037 |
| Loan loss allowance to noncurrent loans | 11.9666% | 7,456 |
| Noncurrent assets plus other real estate owned to assets | 6.9201% | 623 |
| Noncurrent loans to loans | 6.9841% | 701 |
| Net loans and leases to total assets | 91.2643% | 81 |
| Net loans and leases to deposits | 182.9971% | 40 |
| Net loans and leases to core deposits | 240.1602% | 64 |
| Total domestic deposits to total assets | 49.8720% | 8,059 |
| Equity capital to assets | 19.0374% | 458 |
| Core capital (leverage) ratio | 19.0417% | 415 |
| Tier 1 risk-based capital ratio | 26.2236% | 839 |
| Total risk-based capital ratio | 27.2831% | 834 |
| Memoranda: | ||
| Average total assets | $200,822,330 | 3,213 |
| Average earning assets | $192,161,670 | 3,115 |
| Average equity | $38,009,670 | 1,802 |
| Average total loans | $185,556,330 | 2,507 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6893% | 592 |
| Cost of funding earning assets | 2.5242% | 1,826 |
| Net interest margin | 4.1651% | 2,032 |
| Noninterest income to average assets | 0.1062% | 7,504 |
| Noninterest expense to average assets | 1.8148% | 7,684 |
| Loan and lease loss provision to assets | 0.1202% | 5,422 |
| Net operating income to assets | 1.4202% | 1,099 |
| Return on assets (ROA) | 1.4202% | 1,186 |
| Pretax return on assets | 2.1573% | 485 |
| Return on Equity (ROE) | 7.5256% | 3,366 |
| Retained earnings to average equity (ytd only) | 7.5256% | 2,010 |
| Net charge-offs to loans | 0.0043% | 5,652 |
| Credit loss provision to net charge-offs | 3,000.0000% | 208 |
| Earnings coverage of net charge-offs (x) | 568.5000% | 38 |
| Efficiency ratio | 44.3465% | 7,914 |
| Assets per employee ($millions) | 11.7074% | 183 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9901% | 6,258 |
| Loan loss allowance to noncurrent loans | 15.9115% | 7,366 |
| Noncurrent assets plus other real estate owned to assets | 6.2811% | 609 |
| Noncurrent loans to loans | 6.2228% | 744 |
| Net loans and leases to total assets | 92.0945% | 61 |
| Net loans and leases to deposits | 186.6555% | 38 |
| Net loans and leases to core deposits | 246.0064% | 68 |
| Total domestic deposits to total assets | 49.3393% | 8,101 |
| Equity capital to assets | 19.1126% | 477 |
| Core capital (leverage) ratio | 18.8766% | 460 |
| Tier 1 risk-based capital ratio | 26.4867% | 848 |
| Total risk-based capital ratio | 27.7373% | 833 |
| Memoranda: | ||
| Average total assets | $199,696,500 | 3,248 |
| Average earning assets | $191,110,500 | 3,137 |
| Average equity | $37,684,500 | 1,810 |
| Average total loans | $184,886,500 | 2,534 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9829% | 1,180 |
| Cost of funding earning assets | 2.9764% | 1,957 |
| Net interest margin | 4.0065% | 3,081 |
| Noninterest income to average assets | 0.1105% | 7,578 |
| Noninterest expense to average assets | 1.8871% | 7,636 |
| Loan and lease loss provision to assets | 0.2388% | 4,513 |
| Net operating income to assets | 1.2050% | 1,754 |
| Return on assets (ROA) | 1.0919% | 2,096 |
| Pretax return on assets | 1.6539% | 1,250 |
| Return on Equity (ROE) | 5.8374% | 4,010 |
| Retained earnings to average equity (ytd only) | 5.8374% | 1,597 |
| Net charge-offs to loans | 0.2024% | 4,180 |
| Credit loss provision to net charge-offs | 126.5583% | 4,220 |
| Earnings coverage of net charge-offs (x) | 10.9377% | 2,441 |
| Efficiency ratio | 47.7608% | 7,825 |
| Assets per employee ($millions) | 11.7863% | 169 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9613% | 6,334 |
| Loan loss allowance to noncurrent loans | 14.9713% | 7,392 |
| Noncurrent assets plus other real estate owned to assets | 6.4132% | 441 |
| Noncurrent loans to loans | 6.4209% | 504 |
| Net loans and leases to total assets | 91.2690% | 117 |
| Net loans and leases to deposits | 184.6568% | 49 |
| Net loans and leases to core deposits | 240.4452% | 79 |
| Total domestic deposits to total assets | 49.4263% | 8,127 |
| Equity capital to assets | 18.6308% | 583 |
| Core capital (leverage) ratio | 18.5651% | 550 |
| Tier 1 risk-based capital ratio | 26.1999% | 888 |
| Total risk-based capital ratio | 27.4458% | 865 |
| Memoranda: | ||
| Average total assets | $195,534,600 | 3,196 |
| Average earning assets | $187,443,400 | 3,075 |
| Average equity | $36,574,800 | 1,847 |
| Average total loans | $182,296,000 | 2,476 |