Home > United Fidelity Bank, fsb > Performance and Condition Ratios
United Fidelity Bank, fsb, 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 | 3.5572% | 4,376 |
| Cost of funding earning assets | 3.9176% | 42 |
| Net interest margin | -0.3604% | 4,611 |
| Noninterest income to average assets | 2.7000% | 198 |
| Noninterest expense to average assets | 1.0515% | 4,493 |
| Loan and lease loss provision to assets | 0.3900% | 250 |
| Net operating income to assets | 0.7550% | 3,032 |
| Return on assets (ROA) | 0.7648% | 2,974 |
| Pretax return on assets | 0.9685% | 2,755 |
| Return on Equity (ROE) | 9.3600% | 2,676 |
| Retained earnings to average equity (ytd only) | 8.0783% | 1,514 |
| Net charge-offs to loans | -0.0019% | 3,679 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 43.3686% | 4,272 |
| Assets per employee ($millions) | 22.2145% | 83 |
| Cash dividends to net income (ytd only)* | 13.6594% | 3,134 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0225% | 3,199 |
| Loan loss allowance to noncurrent loans | 881.9995% | 984 |
| Noncurrent assets plus other real estate owned to assets | 0.0918% | 2,917 |
| Noncurrent loans to loans | 0.1159% | 2,943 |
| Net loans and leases to total assets | 59.2700% | 2,913 |
| Net loans and leases to deposits | 68.4713% | 2,993 |
| Net loans and leases to core deposits | 148.9938% | 209 |
| Total domestic deposits to total assets | 81.7300% | 3,177 |
| Equity capital to assets | 8.5863% | 2,984 |
| Core capital (leverage) ratio | 8.4291% | 4,150 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6753% | 2,351 |
| Memoranda: | ||
| Average total assets | $6,060,448,600 | 243 |
| Average earning assets | $5,100,804,600 | 253 |
| Average equity | $495,379,400 | 265 |
| Average total loans | $3,760,589,400 | 251 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5396% | 4,358 |
| Cost of funding earning assets | 3.7297% | 48 |
| Net interest margin | -0.1901% | 4,639 |
| Noninterest income to average assets | 3.1700% | 190 |
| Noninterest expense to average assets | 1.0601% | 4,514 |
| Loan and lease loss provision to assets | 0.5100% | 155 |
| Net operating income to assets | 1.1091% | 2,026 |
| Return on assets (ROA) | 1.1225% | 1,963 |
| Pretax return on assets | 1.4570% | 1,658 |
| Return on Equity (ROE) | 13.9200% | 1,680 |
| Retained earnings to average equity (ytd only) | 12.3465% | 916 |
| Net charge-offs to loans | -0.0019% | 3,565 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 34.8777% | 4,463 |
| Assets per employee ($millions) | 21.1050% | 87 |
| Cash dividends to net income (ytd only)* | 11.2945% | 2,750 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9977% | 3,385 |
| Loan loss allowance to noncurrent loans | 1,469.0965% | 661 |
| Noncurrent assets plus other real estate owned to assets | 0.0647% | 3,181 |
| Noncurrent loans to loans | 0.0679% | 3,274 |
| Net loans and leases to total assets | 60.8000% | 2,771 |
| Net loans and leases to deposits | 68.6737% | 2,929 |
| Net loans and leases to core deposits | 147.1734% | 161 |
| Total domestic deposits to total assets | 83.4400% | 2,918 |
| Equity capital to assets | 8.0274% | 3,040 |
| Core capital (leverage) ratio | 7.9715% | 4,406 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1352% | 2,578 |
| Memoranda: | ||
| Average total assets | $5,987,222,000 | 247 |
| Average earning assets | $5,055,949,000 | 257 |
| Average equity | $482,844,250 | 273 |
| Average total loans | $3,749,555,250 | 254 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5250% | 4,322 |
| Cost of funding earning assets | 3.5044% | 40 |
| Net interest margin | 0.0206% | 4,612 |
| Noninterest income to average assets | 3.5600% | 158 |
| Noninterest expense to average assets | 1.1091% | 4,533 |
| Loan and lease loss provision to assets | 0.4400% | 178 |
| Net operating income to assets | 1.5554% | 1,016 |
| Return on assets (ROA) | 1.5498% | 1,016 |
| Pretax return on assets | 2.0233% | 720 |
| Return on Equity (ROE) | 19.1900% | 807 |
| Retained earnings to average equity (ytd only) | 17.5992% | 364 |
| Net charge-offs to loans | -0.0027% | 3,582 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 30.6837% | 4,540 |
| Assets per employee ($millions) | 23.6044% | 72 |
| Cash dividends to net income (ytd only)* | 8.2725% | 2,748 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7359% | 4,122 |
| Loan loss allowance to noncurrent loans | 1,079.7896% | 908 |
| Noncurrent assets plus other real estate owned to assets | 0.0695% | 3,074 |
| Noncurrent loans to loans | 0.0682% | 3,212 |
| Net loans and leases to total assets | 62.4600% | 2,532 |
| Net loans and leases to deposits | 75.6965% | 2,341 |
| Net loans and leases to core deposits | 149.1431% | 150 |
| Total domestic deposits to total assets | 77.2200% | 3,923 |
| Equity capital to assets | 8.2361% | 3,064 |
| Core capital (leverage) ratio | 8.0942% | 4,371 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5298% | 2,758 |
| Memoranda: | ||
| Average total assets | $5,921,711,000 | 245 |
| Average earning assets | $5,023,576,667 | 253 |
| Average equity | $478,328,000 | 268 |
| Average total loans | $3,733,623,000 | 246 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3763% | 4,390 |
| Cost of funding earning assets | 3.2312% | 18 |
| Net interest margin | 0.1450% | 4,668 |
| Noninterest income to average assets | 4.1100% | 145 |
| Noninterest expense to average assets | 1.1070% | 4,598 |
| Loan and lease loss provision to assets | 0.2100% | 475 |
| Net operating income to assets | 2.2102% | 361 |
| Return on assets (ROA) | 2.2163% | 357 |
| Pretax return on assets | 2.9278% | 214 |
| Return on Equity (ROE) | 27.7300% | 302 |
| Retained earnings to average equity (ytd only) | 26.0858% | 158 |
| Net charge-offs to loans | 0.0001% | 2,061 |
| Credit loss provision to net charge-offs | 300,900.0000% | 1 |
| Earnings coverage of net charge-offs (x) | 45,194.0000% | 1 |
| Efficiency ratio | 25.8719% | 4,628 |
| Assets per employee ($millions) | 20.5760% | 92 |
| Cash dividends to net income (ytd only)* | 5.9310% | 2,241 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5028% | 4,434 |
| Loan loss allowance to noncurrent loans | 294.5263% | 2,228 |
| Noncurrent assets plus other real estate owned to assets | 0.1372% | 2,547 |
| Noncurrent loans to loans | 0.1707% | 2,629 |
| Net loans and leases to total assets | 63.6500% | 2,279 |
| Net loans and leases to deposits | 77.0643% | 2,031 |
| Net loans and leases to core deposits | 148.0787% | 129 |
| Total domestic deposits to total assets | 76.9400% | 4,082 |
| Equity capital to assets | 8.1246% | 3,157 |
| Core capital (leverage) ratio | 8.0514% | 4,409 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.0544% | 2,935 |
| Memoranda: | ||
| Average total assets | $5,778,587,000 | 256 |
| Average earning assets | $4,936,937,000 | 264 |
| Average equity | $461,845,500 | 281 |
| Average total loans | $3,647,418,500 | 256 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1348% | 3,936 |
| Cost of funding earning assets | 1.3336% | 45 |
| Net interest margin | 1.8012% | 4,599 |
| Noninterest income to average assets | 5.0100% | 130 |
| Noninterest expense to average assets | 1.6056% | 4,300 |
| Loan and lease loss provision to assets | 0.2100% | 483 |
| Net operating income to assets | 3.6249% | 86 |
| Return on assets (ROA) | 3.6477% | 84 |
| Pretax return on assets | 4.7328% | 78 |
| Return on Equity (ROE) | 43.2400% | 45 |
| Retained earnings to average equity (ytd only) | 41.7109% | 18 |
| Net charge-offs to loans | -0.0001% | 3,269 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 24.4936% | 4,678 |
| Assets per employee ($millions) | 23.1633% | 77 |
| Cash dividends to net income (ytd only)* | 3.5373% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4303% | 4,484 |
| Loan loss allowance to noncurrent loans | 504.4737% | 1,589 |
| Noncurrent assets plus other real estate owned to assets | 0.0832% | 2,968 |
| Noncurrent loans to loans | 0.0853% | 3,145 |
| Net loans and leases to total assets | 62.7900% | 2,348 |
| Net loans and leases to deposits | 75.1172% | 2,166 |
| Net loans and leases to core deposits | 157.2311% | 78 |
| Total domestic deposits to total assets | 76.9300% | 4,180 |
| Equity capital to assets | 7.8542% | 3,150 |
| Core capital (leverage) ratio | 8.0213% | 4,407 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.5945% | 3,021 |
| Memoranda: | ||
| Average total assets | $4,199,039,200 | 305 |
| Average earning assets | $3,523,843,000 | 318 |
| Average equity | $354,226,400 | 336 |
| Average total loans | $2,295,770,400 | 338 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9662% | 3,952 |
| Cost of funding earning assets | 0.8085% | 148 |
| Net interest margin | 2.1576% | 4,485 |
| Noninterest income to average assets | 5.5800% | 127 |
| Noninterest expense to average assets | 1.6832% | 4,180 |
| Loan and lease loss provision to assets | 0.2300% | 365 |
| Net operating income to assets | 4.2303% | 75 |
| Return on assets (ROA) | 4.2644% | 71 |
| Pretax return on assets | 5.5078% | 69 |
| Return on Equity (ROE) | 49.3000% | 30 |
| Retained earnings to average equity (ytd only) | 47.8232% | 14 |
| Net charge-offs to loans | -0.0001% | 3,100 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 22.7298% | 4,716 |
| Assets per employee ($millions) | 19.7141% | 106 |
| Cash dividends to net income (ytd only)* | 2.9922% | 3,027 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4469% | 4,517 |
| Loan loss allowance to noncurrent loans | 433.6327% | 1,735 |
| Noncurrent assets plus other real estate owned to assets | 0.1182% | 2,785 |
| Noncurrent loans to loans | 0.1031% | 3,142 |
| Net loans and leases to total assets | 58.9200% | 2,609 |
| Net loans and leases to deposits | 69.4890% | 2,411 |
| Net loans and leases to core deposits | 138.8840% | 101 |
| Total domestic deposits to total assets | 76.8300% | 4,330 |
| Equity capital to assets | 7.8963% | 2,960 |
| Core capital (leverage) ratio | 8.0704% | 4,358 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.3951% | 3,102 |
| Memoranda: | ||
| Average total assets | $3,835,836,750 | 323 |
| Average earning assets | $3,193,179,250 | 340 |
| Average equity | $331,805,750 | 364 |
| Average total loans | $1,978,612,750 | 378 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8419% | 3,909 |
| Cost of funding earning assets | 0.4482% | 697 |
| Net interest margin | 2.3937% | 4,235 |
| Noninterest income to average assets | 5.2794% | 95 |
| Noninterest expense to average assets | 1.9076% | 3,682 |
| Loan and lease loss provision to assets | 0.2765% | 244 |
| Net operating income to assets | 3.9498% | 45 |
| Return on assets (ROA) | 3.9962% | 40 |
| Pretax return on assets | 5.1209% | 36 |
| Return on Equity (ROE) | 44.3681% | 20 |
| Retained earnings to average equity (ytd only) | 43.1982% | 8 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 26.2287% | 4,733 |
| Assets per employee ($millions) | 16.8745% | 142 |
| Cash dividends to net income (ytd only)* | 2.6367% | 2,901 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4899% | 4,561 |
| Loan loss allowance to noncurrent loans | 356.9431% | 1,932 |
| Noncurrent assets plus other real estate owned to assets | 0.1432% | 2,720 |
| Noncurrent loans to loans | 0.1373% | 3,020 |
| Net loans and leases to total assets | 54.7399% | 2,884 |
| Net loans and leases to deposits | 65.6660% | 2,574 |
| Net loans and leases to core deposits | 108.9911% | 369 |
| Total domestic deposits to total assets | 73.1899% | 4,557 |
| Equity capital to assets | 8.6411% | 2,658 |
| Core capital (leverage) ratio | 8.5974% | 3,859 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.6113% | 3,059 |
| Memoranda: | ||
| Average total assets | $3,471,609,000 | 344 |
| Average earning assets | $2,852,706,667 | 376 |
| Average equity | $312,684,333 | 380 |
| Average total loans | $1,665,884,667 | 424 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7173% | 3,911 |
| Cost of funding earning assets | 0.3041% | 1,620 |
| Net interest margin | 2.4132% | 4,046 |
| Noninterest income to average assets | 3.8215% | 129 |
| Noninterest expense to average assets | 2.1916% | 2,863 |
| Loan and lease loss provision to assets | 0.2305% | 296 |
| Net operating income to assets | 2.6854% | 103 |
| Return on assets (ROA) | 2.7969% | 85 |
| Pretax return on assets | 3.4859% | 79 |
| Return on Equity (ROE) | 30.2340% | 60 |
| Retained earnings to average equity (ytd only) | 28.9687% | 41 |
| Net charge-offs to loans | 0.0124% | 1,312 |
| Credit loss provision to net charge-offs | 4,285.7143% | 112 |
| Earnings coverage of net charge-offs (x) | 665.0238% | 148 |
| Efficiency ratio | 37.8563% | 4,687 |
| Assets per employee ($millions) | 14.3899% | 232 |
| Cash dividends to net income (ytd only)* | 4.1850% | 2,211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5261% | 4,564 |
| Loan loss allowance to noncurrent loans | 234.1624% | 2,413 |
| Noncurrent assets plus other real estate owned to assets | 0.1949% | 2,464 |
| Noncurrent loans to loans | 0.2247% | 2,696 |
| Net loans and leases to total assets | 45.9978% | 3,578 |
| Net loans and leases to deposits | 58.5175% | 3,032 |
| Net loans and leases to core deposits | 86.4711% | 1,106 |
| Total domestic deposits to total assets | 66.5031% | 4,687 |
| Equity capital to assets | 8.5990% | 3,082 |
| Core capital (leverage) ratio | 8.0553% | 4,269 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.5201% | 3,083 |
| Memoranda: | ||
| Average total assets | $3,123,411,500 | 379 |
| Average earning assets | $2,520,167,500 | 417 |
| Average equity | $288,946,000 | 408 |
| Average total loans | $1,352,430,500 | 508 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1911% | 3,487 |
| Cost of funding earning assets | 0.3440% | 1,997 |
| Net interest margin | 2.8471% | 3,570 |
| Noninterest income to average assets | 2.6933% | 210 |
| Noninterest expense to average assets | 2.9809% | 1,014 |
| Loan and lease loss provision to assets | 0.0950% | 1,318 |
| Net operating income to assets | 1.6108% | 776 |
| Return on assets (ROA) | 1.6847% | 679 |
| Pretax return on assets | 1.9554% | 665 |
| Return on Equity (ROE) | 15.6278% | 817 |
| Retained earnings to average equity (ytd only) | 14.5133% | 267 |
| Net charge-offs to loans | 0.0098% | 2,191 |
| Credit loss provision to net charge-offs | 3,333.3333% | 199 |
| Earnings coverage of net charge-offs (x) | 689.4815% | 214 |
| Efficiency ratio | 58.3059% | 3,397 |
| Assets per employee ($millions) | 12.0991% | 387 |
| Cash dividends to net income (ytd only)* | 7.1312% | 3,444 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5605% | 4,573 |
| Loan loss allowance to noncurrent loans | 142.2915% | 3,035 |
| Noncurrent assets plus other real estate owned to assets | 0.2679% | 2,208 |
| Noncurrent loans to loans | 0.3939% | 2,181 |
| Net loans and leases to total assets | 39.6371% | 4,112 |
| Net loans and leases to deposits | 49.4452% | 3,922 |
| Net loans and leases to core deposits | 70.0905% | 2,434 |
| Total domestic deposits to total assets | 67.2060% | 4,717 |
| Equity capital to assets | 10.0134% | 2,643 |
| Core capital (leverage) ratio | 8.6907% | 3,733 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0337% | 2,885 |
| Memoranda: | ||
| Average total assets | $1,895,284,600 | 564 |
| Average earning assets | $1,499,118,200 | 639 |
| Average equity | $204,315,800 | 527 |
| Average total loans | $550,541,000 | 1,086 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4537% | 4,603 |
| Cost of funding earning assets | 0.3145% | 2,459 |
| Net interest margin | 2.1392% | 4,605 |
| Noninterest income to average assets | 2.0474% | 332 |
| Noninterest expense to average assets | 2.4946% | 2,133 |
| Loan and lease loss provision to assets | 0.0243% | 2,509 |
| Net operating income to assets | 1.0892% | 2,598 |
| Return on assets (ROA) | 1.1855% | 2,272 |
| Pretax return on assets | 1.3225% | 2,566 |
| Return on Equity (ROE) | 10.6659% | 2,492 |
| Retained earnings to average equity (ytd only) | 9.8942% | 1,356 |
| Net charge-offs to loans | 0.0309% | 1,440 |
| Credit loss provision to net charge-offs | 322.5806% | 969 |
| Earnings coverage of net charge-offs (x) | 164.8817% | 633 |
| Efficiency ratio | 64.4173% | 2,331 |
| Assets per employee ($millions) | 9.7986% | 681 |
| Cash dividends to net income (ytd only)* | 7.2354% | 3,055 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5368% | 4,679 |
| Loan loss allowance to noncurrent loans | 64.4177% | 3,795 |
| Noncurrent assets plus other real estate owned to assets | 0.4172% | 1,795 |
| Noncurrent loans to loans | 0.8334% | 1,374 |
| Net loans and leases to total assets | 29.5243% | 4,605 |
| Net loans and leases to deposits | 36.1091% | 4,574 |
| Net loans and leases to core deposits | 50.7342% | 4,093 |
| Total domestic deposits to total assets | 63.2969% | 4,818 |
| Equity capital to assets | 11.4214% | 1,726 |
| Core capital (leverage) ratio | 9.7174% | 2,799 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0379% | 1,600 |
| Memoranda: | ||
| Average total assets | $1,649,208,000 | 636 |
| Average earning assets | $1,300,534,750 | 721 |
| Average equity | $183,308,750 | 599 |
| Average total loans | $401,221,500 | 1,403 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4455% | 4,655 |
| Cost of funding earning assets | 0.3284% | 2,509 |
| Net interest margin | 2.1171% | 4,645 |
| Noninterest income to average assets | 2.1650% | 299 |
| Noninterest expense to average assets | 2.5654% | 1,941 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.1308% | 2,431 |
| Return on assets (ROA) | 1.2316% | 2,144 |
| Pretax return on assets | 1.3828% | 2,385 |
| Return on Equity (ROE) | 11.2034% | 2,349 |
| Retained earnings to average equity (ytd only) | 10.5540% | 1,233 |
| Net charge-offs to loans | 0.0533% | 1,086 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 107.2903% | 718 |
| Efficiency ratio | 64.7478% | 2,328 |
| Assets per employee ($millions) | 9.4196% | 735 |
| Cash dividends to net income (ytd only)* | 5.7961% | 2,984 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7478% | 4,456 |
| Loan loss allowance to noncurrent loans | 61.1375% | 3,826 |
| Noncurrent assets plus other real estate owned to assets | 0.4990% | 1,672 |
| Noncurrent loans to loans | 1.2232% | 985 |
| Net loans and leases to total assets | 20.1138% | 4,834 |
| Net loans and leases to deposits | 24.4563% | 4,827 |
| Net loans and leases to core deposits | 34.5190% | 4,700 |
| Total domestic deposits to total assets | 63.6150% | 4,845 |
| Equity capital to assets | 10.5856% | 2,325 |
| Core capital (leverage) ratio | 8.9602% | 3,506 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0453% | 1,331 |
| Memoranda: | ||
| Average total assets | $1,571,832,667 | 660 |
| Average earning assets | $1,239,914,333 | 753 |
| Average equity | $172,787,000 | 628 |
| Average total loans | $348,812,333 | 1,563 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5633% | 4,603 |
| Cost of funding earning assets | 0.3442% | 2,572 |
| Net interest margin | 2.2191% | 4,596 |
| Noninterest income to average assets | 2.6430% | 247 |
| Noninterest expense to average assets | 3.3028% | 607 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.9841% | 2,859 |
| Return on assets (ROA) | 1.1535% | 2,389 |
| Pretax return on assets | 1.2625% | 2,671 |
| Return on Equity (ROE) | 10.2624% | 2,603 |
| Retained earnings to average equity (ytd only) | 10.2624% | 1,583 |
| Net charge-offs to loans | 0.0723% | 836 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 63.6935% | 798 |
| Efficiency ratio | 74.2267% | 1,293 |
| Assets per employee ($millions) | 8.4690% | 1,002 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7831% | 4,438 |
| Loan loss allowance to noncurrent loans | 48.2241% | 4,013 |
| Noncurrent assets plus other real estate owned to assets | 0.7517% | 1,216 |
| Noncurrent loans to loans | 1.6238% | 750 |
| Net loans and leases to total assets | 22.5566% | 4,831 |
| Net loans and leases to deposits | 28.3692% | 4,815 |
| Net loans and leases to core deposits | 30.7694% | 4,803 |
| Total domestic deposits to total assets | 79.5108% | 4,267 |
| Equity capital to assets | 11.5707% | 1,500 |
| Core capital (leverage) ratio | 9.9703% | 2,564 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.1324% | 772 |
| Memoranda: | ||
| Average total assets | $1,467,594,000 | 695 |
| Average earning assets | $1,148,188,000 | 799 |
| Average equity | $164,952,000 | 647 |
| Average total loans | $342,825,500 | 1,586 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6765% | 4,801 |
| Cost of funding earning assets | 0.4619% | 3,207 |
| Net interest margin | 2.2146% | 4,753 |
| Noninterest income to average assets | 2.6096% | 232 |
| Noninterest expense to average assets | 2.6235% | 2,472 |
| Loan and lease loss provision to assets | 0.0737% | 3,461 |
| Net operating income to assets | 1.6397% | 585 |
| Return on assets (ROA) | 1.7316% | 498 |
| Pretax return on assets | 1.7334% | 796 |
| Return on Equity (ROE) | 15.1766% | 614 |
| Retained earnings to average equity (ytd only) | 15.1766% | 152 |
| Net charge-offs to loans | 0.0185% | 2,709 |
| Credit loss provision to net charge-offs | 1,808.5106% | 473 |
| Earnings coverage of net charge-offs (x) | 420.7872% | 268 |
| Efficiency ratio | 59.0521% | 3,583 |
| Assets per employee ($millions) | 7.7906% | 1,125 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8278% | 4,361 |
| Loan loss allowance to noncurrent loans | 53.1315% | 3,975 |
| Noncurrent assets plus other real estate owned to assets | 0.8139% | 1,257 |
| Noncurrent loans to loans | 1.5580% | 849 |
| Net loans and leases to total assets | 23.8440% | 4,856 |
| Net loans and leases to deposits | 30.2901% | 4,829 |
| Net loans and leases to core deposits | 32.0483% | 4,830 |
| Total domestic deposits to total assets | 78.7187% | 4,231 |
| Equity capital to assets | 10.8777% | 2,363 |
| Core capital (leverage) ratio | 9.0685% | 3,587 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3807% | 988 |
| Memoranda: | ||
| Average total assets | $1,153,023,000 | 779 |
| Average earning assets | $900,315,400 | 902 |
| Average equity | $131,557,600 | 756 |
| Average total loans | $253,727,600 | 1,905 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7156% | 4,857 |
| Cost of funding earning assets | 0.5013% | 3,212 |
| Net interest margin | 2.2144% | 4,814 |
| Noninterest income to average assets | 0.9539% | 1,116 |
| Noninterest expense to average assets | 2.6046% | 2,520 |
| Loan and lease loss provision to assets | 0.0489% | 3,743 |
| Net operating income to assets | 0.2301% | 4,549 |
| Return on assets (ROA) | 0.2301% | 4,586 |
| Pretax return on assets | 0.0284% | 4,768 |
| Return on Equity (ROE) | 1.9866% | 4,550 |
| Retained earnings to average equity (ytd only) | 1.9866% | 3,936 |
| Net charge-offs to loans | 0.0286% | 2,259 |
| Credit loss provision to net charge-offs | 800.0000% | 980 |
| Earnings coverage of net charge-offs (x) | 12.6400% | 2,242 |
| Efficiency ratio | 94.1702% | 259 |
| Assets per employee ($millions) | 7.3838% | 1,285 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8302% | 4,286 |
| Loan loss allowance to noncurrent loans | 63.3948% | 3,837 |
| Noncurrent assets plus other real estate owned to assets | 0.4070% | 2,542 |
| Noncurrent loans to loans | 1.3096% | 1,127 |
| Net loans and leases to total assets | 23.6384% | 4,897 |
| Net loans and leases to deposits | 31.6400% | 4,884 |
| Net loans and leases to core deposits | 34.1865% | 4,870 |
| Total domestic deposits to total assets | 74.7105% | 4,526 |
| Equity capital to assets | 11.0892% | 2,331 |
| Core capital (leverage) ratio | 8.2267% | 4,520 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.2959% | 638 |
| Memoranda: | ||
| Average total assets | $1,090,703,750 | 800 |
| Average earning assets | $851,153,000 | 933 |
| Average equity | $126,312,500 | 775 |
| Average total loans | $232,870,750 | 2,019 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7393% | 4,925 |
| Cost of funding earning assets | 0.5533% | 3,217 |
| Net interest margin | 2.1860% | 4,888 |
| Noninterest income to average assets | 0.7732% | 1,509 |
| Noninterest expense to average assets | 2.6688% | 2,473 |
| Loan and lease loss provision to assets | 0.0754% | 3,350 |
| Net operating income to assets | -0.0021% | 4,780 |
| Return on assets (ROA) | -0.0021% | 4,795 |
| Pretax return on assets | -0.2646% | 4,861 |
| Return on Equity (ROE) | -0.0176% | 4,795 |
| Retained earnings to average equity (ytd only) | -0.0176% | 4,307 |
| Net charge-offs to loans | 0.0489% | 1,783 |
| Credit loss provision to net charge-offs | 754.7170% | 947 |
| Earnings coverage of net charge-offs (x) | -18.9245% | 3,000 |
| Efficiency ratio | 103.1183% | 147 |
| Assets per employee ($millions) | 7.4043% | 1,221 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8722% | 4,118 |
| Loan loss allowance to noncurrent loans | 57.0486% | 3,946 |
| Noncurrent assets plus other real estate owned to assets | 0.4554% | 2,496 |
| Noncurrent loans to loans | 1.5289% | 988 |
| Net loans and leases to total assets | 22.5413% | 4,938 |
| Net loans and leases to deposits | 28.8365% | 4,936 |
| Net loans and leases to core deposits | 31.5891% | 4,924 |
| Total domestic deposits to total assets | 78.1695% | 4,168 |
| Equity capital to assets | 11.0725% | 2,275 |
| Core capital (leverage) ratio | 8.2403% | 4,601 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.6409% | 616 |
| Memoranda: | ||
| Average total assets | $1,060,467,333 | 805 |
| Average earning assets | $827,798,667 | 939 |
| Average equity | $124,747,000 | 773 |
| Average total loans | $216,626,000 | 2,115 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8241% | 4,996 |
| Cost of funding earning assets | 0.6554% | 3,146 |
| Net interest margin | 2.1687% | 4,972 |
| Noninterest income to average assets | 0.5325% | 2,378 |
| Noninterest expense to average assets | 2.8881% | 2,158 |
| Loan and lease loss provision to assets | 0.0798% | 2,715 |
| Net operating income to assets | -0.3788% | 4,906 |
| Return on assets (ROA) | -0.3788% | 4,879 |
| Pretax return on assets | -0.7513% | 4,929 |
| Return on Equity (ROE) | -3.1129% | 4,875 |
| Retained earnings to average equity (ytd only) | -3.1129% | 4,367 |
| Net charge-offs to loans | -0.0481% | 4,627 |
| Credit loss provision to net charge-offs | -869.5652% | 3,523 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 123.8790% | 98 |
| Assets per employee ($millions) | 6.6366% | 1,270 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0762% | 3,327 |
| Loan loss allowance to noncurrent loans | 51.9380% | 4,054 |
| Noncurrent assets plus other real estate owned to assets | 0.5337% | 2,392 |
| Noncurrent loans to loans | 2.0721% | 666 |
| Net loans and leases to total assets | 19.6299% | 5,012 |
| Net loans and leases to deposits | 24.6865% | 5,011 |
| Net loans and leases to core deposits | 25.9383% | 5,005 |
| Total domestic deposits to total assets | 79.5165% | 3,951 |
| Equity capital to assets | 12.0938% | 2,000 |
| Core capital (leverage) ratio | 8.7677% | 4,620 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.7610% | 513 |
| Memoranda: | ||
| Average total assets | $1,002,060,000 | 817 |
| Average earning assets | $778,150,000 | 963 |
| Average equity | $121,943,500 | 781 |
| Average total loans | $191,084,000 | 2,254 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0942% | 5,032 |
| Cost of funding earning assets | 0.8219% | 2,580 |
| Net interest margin | 2.2723% | 5,043 |
| Noninterest income to average assets | 2.6749% | 181 |
| Noninterest expense to average assets | 2.9138% | 2,253 |
| Loan and lease loss provision to assets | 0.0335% | 3,343 |
| Net operating income to assets | 1.3556% | 1,485 |
| Return on assets (ROA) | 1.3979% | 1,421 |
| Pretax return on assets | 1.6018% | 1,481 |
| Return on Equity (ROE) | 11.4274% | 1,723 |
| Retained earnings to average equity (ytd only) | 11.4274% | 286 |
| Net charge-offs to loans | 0.0933% | 1,794 |
| Credit loss provision to net charge-offs | 205.4795% | 1,295 |
| Earnings coverage of net charge-offs (x) | 97.3356% | 693 |
| Efficiency ratio | 61.3104% | 3,494 |
| Assets per employee ($millions) | 6.0931% | 1,562 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1249% | 2,808 |
| Loan loss allowance to noncurrent loans | 45.4504% | 4,167 |
| Noncurrent assets plus other real estate owned to assets | 0.5831% | 2,147 |
| Noncurrent loans to loans | 2.4750% | 443 |
| Net loans and leases to total assets | 18.0365% | 5,085 |
| Net loans and leases to deposits | 22.6499% | 5,088 |
| Net loans and leases to core deposits | 23.2771% | 5,085 |
| Total domestic deposits to total assets | 79.6317% | 4,050 |
| Equity capital to assets | 12.2499% | 1,981 |
| Core capital (leverage) ratio | 8.7371% | 4,705 |
| Tier 1 risk-based capital ratio | 24.9397% | 754 |
| Total risk-based capital ratio | 26.7531% | 696 |
| Memoranda: | ||
| Average total assets | $895,631,200 | 879 |
| Average earning assets | $719,581,800 | 987 |
| Average equity | $109,561,600 | 833 |
| Average total loans | $156,406,000 | 2,552 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9776% | 5,156 |
| Cost of funding earning assets | 0.8315% | 2,560 |
| Net interest margin | 2.1460% | 5,160 |
| Noninterest income to average assets | 2.7229% | 175 |
| Noninterest expense to average assets | 2.8792% | 2,321 |
| Loan and lease loss provision to assets | 0.0228% | 3,450 |
| Net operating income to assets | 1.3530% | 1,636 |
| Return on assets (ROA) | 1.3530% | 1,700 |
| Pretax return on assets | 1.5658% | 1,762 |
| Return on Equity (ROE) | 11.0646% | 1,995 |
| Retained earnings to average equity (ytd only) | 11.0646% | 514 |
| Net charge-offs to loans | 0.0211% | 2,690 |
| Credit loss provision to net charge-offs | 625.0000% | 523 |
| Earnings coverage of net charge-offs (x) | 435.5306% | 226 |
| Efficiency ratio | 64.4444% | 2,942 |
| Assets per employee ($millions) | 6.1119% | 1,523 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2444% | 2,265 |
| Loan loss allowance to noncurrent loans | 32.7650% | 4,464 |
| Noncurrent assets plus other real estate owned to assets | 0.6567% | 2,047 |
| Noncurrent loans to loans | 3.7980% | 193 |
| Net loans and leases to total assets | 16.1074% | 5,177 |
| Net loans and leases to deposits | 19.6751% | 5,174 |
| Net loans and leases to core deposits | 20.2212% | 5,173 |
| Total domestic deposits to total assets | 81.8667% | 3,507 |
| Equity capital to assets | 12.1931% | 2,116 |
| Core capital (leverage) ratio | 8.9164% | 4,695 |
| Tier 1 risk-based capital ratio | 25.7088% | 725 |
| Total risk-based capital ratio | 27.6499% | 668 |
| Memoranda: | ||
| Average total assets | $877,337,000 | 895 |
| Average earning assets | $713,359,750 | 997 |
| Average equity | $107,282,500 | 844 |
| Average total loans | $151,325,750 | 2,636 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9982% | 5,208 |
| Cost of funding earning assets | 0.8389% | 2,457 |
| Net interest margin | 2.1594% | 5,221 |
| Noninterest income to average assets | 3.4766% | 129 |
| Noninterest expense to average assets | 2.9070% | 2,265 |
| Loan and lease loss provision to assets | 0.0354% | 3,120 |
| Net operating income to assets | 1.8993% | 484 |
| Return on assets (ROA) | 1.8993% | 504 |
| Pretax return on assets | 2.3090% | 355 |
| Return on Equity (ROE) | 15.5152% | 667 |
| Retained earnings to average equity (ytd only) | 15.5152% | 148 |
| Net charge-offs to loans | 0.0603% | 1,783 |
| Credit loss provision to net charge-offs | 333.3333% | 828 |
| Earnings coverage of net charge-offs (x) | 220.8667% | 362 |
| Efficiency ratio | 55.3564% | 4,332 |
| Assets per employee ($millions) | 5.7295% | 1,759 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3093% | 1,978 |
| Loan loss allowance to noncurrent loans | 30.3300% | 4,546 |
| Noncurrent assets plus other real estate owned to assets | 0.7506% | 1,855 |
| Noncurrent loans to loans | 4.3168% | 149 |
| Net loans and leases to total assets | 16.1454% | 5,225 |
| Net loans and leases to deposits | 19.7448% | 5,220 |
| Net loans and leases to core deposits | 20.0848% | 5,222 |
| Total domestic deposits to total assets | 81.7702% | 3,586 |
| Equity capital to assets | 12.5444% | 1,830 |
| Core capital (leverage) ratio | 8.8484% | 4,756 |
| Tier 1 risk-based capital ratio | 27.4383% | 592 |
| Total risk-based capital ratio | 29.6099% | 535 |
| Memoranda: | ||
| Average total assets | $847,889,000 | 917 |
| Average earning assets | $696,873,330 | 1,015 |
| Average equity | $103,794,670 | 865 |
| Average total loans | $149,265,670 | 2,664 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9710% | 5,278 |
| Cost of funding earning assets | 0.7861% | 2,617 |
| Net interest margin | 2.1849% | 5,279 |
| Noninterest income to average assets | 4.4013% | 102 |
| Noninterest expense to average assets | 3.7119% | 743 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 2.0439% | 357 |
| Return on assets (ROA) | 2.0439% | 373 |
| Pretax return on assets | 2.5161% | 239 |
| Return on Equity (ROE) | 16.9281% | 488 |
| Retained earnings to average equity (ytd only) | 16.9281% | 187 |
| Net charge-offs to loans | -0.0133% | 4,339 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6002% | 3,862 |
| Assets per employee ($millions) | 5.3172% | 2,151 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1931% | 2,616 |
| Loan loss allowance to noncurrent loans | 34.6067% | 4,549 |
| Noncurrent assets plus other real estate owned to assets | 0.6804% | 2,060 |
| Noncurrent loans to loans | 3.4476% | 265 |
| Net loans and leases to total assets | 18.1282% | 5,273 |
| Net loans and leases to deposits | 21.9020% | 5,270 |
| Net loans and leases to core deposits | 22.1984% | 5,273 |
| Total domestic deposits to total assets | 82.7696% | 3,477 |
| Equity capital to assets | 12.2552% | 1,873 |
| Core capital (leverage) ratio | 8.9320% | 4,694 |
| Tier 1 risk-based capital ratio | 25.7742% | 700 |
| Total risk-based capital ratio | 27.9389% | 631 |
| Memoranda: | ||
| Average total assets | $819,205,500 | 960 |
| Average earning assets | $684,888,500 | 1,028 |
| Average equity | $98,912,500 | 901 |
| Average total loans | $149,850,500 | 2,691 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0623% | 5,205 |
| Cost of funding earning assets | 0.6924% | 2,138 |
| Net interest margin | 2.3699% | 5,261 |
| Noninterest income to average assets | 1.9567% | 278 |
| Noninterest expense to average assets | 2.9660% | 2,145 |
| Loan and lease loss provision to assets | 0.0200% | 3,761 |
| Net operating income to assets | 0.9453% | 3,257 |
| Return on assets (ROA) | 0.9453% | 3,252 |
| Pretax return on assets | 0.9729% | 3,694 |
| Return on Equity (ROE) | 7.9445% | 3,467 |
| Retained earnings to average equity (ytd only) | 7.9445% | 1,259 |
| Net charge-offs to loans | 0.1305% | 1,448 |
| Credit loss provision to net charge-offs | 74.2574% | 2,935 |
| Earnings coverage of net charge-offs (x) | 36.8366% | 1,405 |
| Efficiency ratio | 74.9200% | 1,505 |
| Assets per employee ($millions) | 4.9584% | 2,558 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2599% | 2,250 |
| Loan loss allowance to noncurrent loans | 44.9951% | 4,398 |
| Noncurrent assets plus other real estate owned to assets | 0.5820% | 2,299 |
| Noncurrent loans to loans | 2.8001% | 392 |
| Net loans and leases to total assets | 18.0046% | 5,321 |
| Net loans and leases to deposits | 21.0526% | 5,317 |
| Net loans and leases to core deposits | 21.3555% | 5,317 |
| Total domestic deposits to total assets | 85.5218% | 2,430 |
| Equity capital to assets | 11.8837% | 1,979 |
| Core capital (leverage) ratio | 8.2170% | 5,160 |
| Tier 1 risk-based capital ratio | 27.6850% | 584 |
| Total risk-based capital ratio | 30.2096% | 506 |
| Memoranda: | ||
| Average total assets | $749,426,800 | 1,003 |
| Average earning assets | $633,150,800 | 1,067 |
| Average equity | $89,168,400 | 943 |
| Average total loans | $154,813,600 | 2,586 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0339% | 5,274 |
| Cost of funding earning assets | 0.5876% | 2,566 |
| Net interest margin | 2.4463% | 5,304 |
| Noninterest income to average assets | 2.2242% | 238 |
| Noninterest expense to average assets | 2.7948% | 2,652 |
| Loan and lease loss provision to assets | 0.0271% | 3,468 |
| Net operating income to assets | 1.3080% | 1,822 |
| Return on assets (ROA) | 1.3080% | 1,829 |
| Pretax return on assets | 1.4669% | 2,010 |
| Return on Equity (ROE) | 10.9893% | 2,180 |
| Retained earnings to average equity (ytd only) | 10.9893% | 650 |
| Net charge-offs to loans | 0.1689% | 982 |
| Credit loss provision to net charge-offs | 75.3769% | 2,578 |
| Earnings coverage of net charge-offs (x) | 41.5120% | 1,325 |
| Efficiency ratio | 65.1640% | 3,009 |
| Assets per employee ($millions) | 4.8931% | 2,604 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2145% | 2,542 |
| Loan loss allowance to noncurrent loans | 47.3929% | 4,448 |
| Noncurrent assets plus other real estate owned to assets | 0.6742% | 2,179 |
| Noncurrent loans to loans | 2.5626% | 505 |
| Net loans and leases to total assets | 18.9568% | 5,388 |
| Net loans and leases to deposits | 22.7117% | 5,390 |
| Net loans and leases to core deposits | 23.1153% | 5,387 |
| Total domestic deposits to total assets | 83.4671% | 3,134 |
| Equity capital to assets | 11.5812% | 2,199 |
| Core capital (leverage) ratio | 8.1379% | 5,281 |
| Tier 1 risk-based capital ratio | 26.2422% | 663 |
| Total risk-based capital ratio | 28.7322% | 590 |
| Memoranda: | ||
| Average total assets | $737,209,500 | 1,012 |
| Average earning assets | $622,199,000 | 1,083 |
| Average equity | $87,743,750 | 952 |
| Average total loans | $157,126,000 | 2,571 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0455% | 5,317 |
| Cost of funding earning assets | 0.5697% | 2,436 |
| Net interest margin | 2.4758% | 5,357 |
| Noninterest income to average assets | 2.2864% | 232 |
| Noninterest expense to average assets | 2.8519% | 2,496 |
| Loan and lease loss provision to assets | 0.0416% | 3,069 |
| Net operating income to assets | 1.3269% | 1,676 |
| Return on assets (ROA) | 1.3269% | 1,679 |
| Pretax return on assets | 1.4815% | 1,881 |
| Return on Equity (ROE) | 11.0395% | 2,093 |
| Retained earnings to average equity (ytd only) | 11.0395% | 661 |
| Net charge-offs to loans | 0.2250% | 708 |
| Credit loss provision to net charge-offs | 83.7989% | 2,223 |
| Earnings coverage of net charge-offs (x) | 30.6480% | 1,483 |
| Efficiency ratio | 65.1859% | 3,125 |
| Assets per employee ($millions) | 4.7559% | 2,740 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1823% | 2,826 |
| Loan loss allowance to noncurrent loans | 50.0269% | 4,419 |
| Noncurrent assets plus other real estate owned to assets | 0.6889% | 2,169 |
| Noncurrent loans to loans | 2.3634% | 566 |
| Net loans and leases to total assets | 20.2696% | 5,443 |
| Net loans and leases to deposits | 23.7170% | 5,446 |
| Net loans and leases to core deposits | 24.2057% | 5,447 |
| Total domestic deposits to total assets | 85.4645% | 2,511 |
| Equity capital to assets | 11.8534% | 1,957 |
| Core capital (leverage) ratio | 8.1579% | 5,285 |
| Tier 1 risk-based capital ratio | 26.8856% | 616 |
| Total risk-based capital ratio | 29.5281% | 539 |
| Memoranda: | ||
| Average total assets | $720,350,330 | 1,037 |
| Average earning assets | $607,717,000 | 1,104 |
| Average equity | $86,580,000 | 965 |
| Average total loans | $159,109,670 | 2,555 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0254% | 5,358 |
| Cost of funding earning assets | 0.5664% | 2,272 |
| Net interest margin | 2.4589% | 5,419 |
| Noninterest income to average assets | 2.9183% | 163 |
| Noninterest expense to average assets | 2.9349% | 2,243 |
| Loan and lease loss provision to assets | 0.0860% | 2,078 |
| Net operating income to assets | 1.6202% | 817 |
| Return on assets (ROA) | 1.6202% | 819 |
| Pretax return on assets | 1.9482% | 644 |
| Return on Equity (ROE) | 13.3792% | 1,167 |
| Retained earnings to average equity (ytd only) | 13.3792% | 472 |
| Net charge-offs to loans | 0.0874% | 1,283 |
| Credit loss provision to net charge-offs | 428.5714% | 663 |
| Earnings coverage of net charge-offs (x) | 101.3714% | 607 |
| Efficiency ratio | 59.0631% | 4,205 |
| Assets per employee ($millions) | 4.4481% | 3,249 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2513% | 2,512 |
| Loan loss allowance to noncurrent loans | 32.4522% | 4,768 |
| Noncurrent assets plus other real estate owned to assets | 1.1933% | 1,280 |
| Noncurrent loans to loans | 3.8557% | 264 |
| Net loans and leases to total assets | 22.1890% | 5,490 |
| Net loans and leases to deposits | 26.0069% | 5,489 |
| Net loans and leases to core deposits | 26.6745% | 5,490 |
| Total domestic deposits to total assets | 85.3198% | 2,822 |
| Equity capital to assets | 11.9745% | 1,810 |
| Core capital (leverage) ratio | 8.3742% | 5,218 |
| Tier 1 risk-based capital ratio | 25.2834% | 734 |
| Total risk-based capital ratio | 27.9618% | 620 |
| Memoranda: | ||
| Average total assets | $697,676,500 | 1,067 |
| Average earning assets | $581,883,000 | 1,166 |
| Average equity | $84,489,500 | 989 |
| Average total loans | $160,134,000 | 2,566 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2236% | 5,162 |
| Cost of funding earning assets | 0.5172% | 2,199 |
| Net interest margin | 2.7064% | 5,271 |
| Noninterest income to average assets | 3.2957% | 157 |
| Noninterest expense to average assets | 3.8606% | 648 |
| Loan and lease loss provision to assets | 0.0939% | 2,328 |
| Net operating income to assets | 2.2813% | 167 |
| Return on assets (ROA) | 2.5326% | 115 |
| Pretax return on assets | 1.8353% | 723 |
| Return on Equity (ROE) | 21.4617% | 146 |
| Retained earnings to average equity (ytd only) | 21.4617% | 34 |
| Net charge-offs to loans | 0.1920% | 1,325 |
| Credit loss provision to net charge-offs | 190.3114% | 1,433 |
| Earnings coverage of net charge-offs (x) | 34.0000% | 1,414 |
| Efficiency ratio | 69.7056% | 2,606 |
| Assets per employee ($millions) | 4.2463% | 3,582 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1762% | 2,916 |
| Loan loss allowance to noncurrent loans | 39.4313% | 4,700 |
| Noncurrent assets plus other real estate owned to assets | 1.0166% | 1,508 |
| Noncurrent loans to loans | 2.9829% | 377 |
| Net loans and leases to total assets | 23.1787% | 5,542 |
| Net loans and leases to deposits | 29.5201% | 5,525 |
| Net loans and leases to core deposits | 30.2337% | 5,529 |
| Total domestic deposits to total assets | 78.5183% | 4,638 |
| Equity capital to assets | 12.2514% | 1,669 |
| Core capital (leverage) ratio | 8.9077% | 4,748 |
| Tier 1 risk-based capital ratio | 24.9726% | 728 |
| Total risk-based capital ratio | 27.6392% | 624 |
| Memoranda: | ||
| Average total assets | $585,633,800 | 1,225 |
| Average earning assets | $485,290,600 | 1,344 |
| Average equity | $69,109,200 | 1,152 |
| Average total loans | $150,482,600 | 2,648 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1761% | 5,261 |
| Cost of funding earning assets | 0.5056% | 2,222 |
| Net interest margin | 2.6705% | 5,352 |
| Noninterest income to average assets | 2.7147% | 208 |
| Noninterest expense to average assets | 3.5979% | 873 |
| Loan and lease loss provision to assets | 0.0832% | 2,427 |
| Net operating income to assets | 1.0253% | 2,445 |
| Return on assets (ROA) | 1.3156% | 1,319 |
| Pretax return on assets | 1.5872% | 1,469 |
| Return on Equity (ROE) | 11.2800% | 1,579 |
| Retained earnings to average equity (ytd only) | 11.2800% | 377 |
| Net charge-offs to loans | 0.0964% | 1,816 |
| Credit loss provision to net charge-offs | 327.1028% | 923 |
| Earnings coverage of net charge-offs (x) | 51.9450% | 1,093 |
| Efficiency ratio | 73.1498% | 2,018 |
| Assets per employee ($millions) | 3.6377% | 4,534 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0794% | 3,605 |
| Loan loss allowance to noncurrent loans | 40.7149% | 4,748 |
| Noncurrent assets plus other real estate owned to assets | 1.2251% | 1,334 |
| Noncurrent loans to loans | 2.6512% | 544 |
| Net loans and leases to total assets | 27.5193% | 5,544 |
| Net loans and leases to deposits | 35.8502% | 5,497 |
| Net loans and leases to core deposits | 36.8254% | 5,514 |
| Total domestic deposits to total assets | 76.7619% | 4,930 |
| Equity capital to assets | 11.6826% | 2,206 |
| Core capital (leverage) ratio | 8.4185% | 5,306 |
| Tier 1 risk-based capital ratio | 20.5641% | 1,270 |
| Total risk-based capital ratio | 23.0218% | 1,054 |
| Memoranda: | ||
| Average total assets | $561,128,500 | 1,274 |
| Average earning assets | $463,074,250 | 1,419 |
| Average equity | $65,447,250 | 1,224 |
| Average total loans | $148,016,250 | 2,690 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1621% | 5,290 |
| Cost of funding earning assets | 0.4842% | 2,293 |
| Net interest margin | 2.6779% | 5,382 |
| Noninterest income to average assets | 3.8184% | 152 |
| Noninterest expense to average assets | 3.5761% | 897 |
| Loan and lease loss provision to assets | 0.0555% | 2,868 |
| Net operating income to assets | 1.8108% | 442 |
| Return on assets (ROA) | 1.8136% | 455 |
| Pretax return on assets | 2.4139% | 243 |
| Return on Equity (ROE) | 15.5742% | 588 |
| Retained earnings to average equity (ytd only) | 15.5742% | 116 |
| Net charge-offs to loans | 0.0745% | 1,876 |
| Credit loss provision to net charge-offs | 288.4615% | 984 |
| Earnings coverage of net charge-offs (x) | 128.1923% | 553 |
| Efficiency ratio | 59.1894% | 4,439 |
| Assets per employee ($millions) | 3.5101% | 4,711 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0386% | 3,908 |
| Loan loss allowance to noncurrent loans | 48.1823% | 4,629 |
| Noncurrent assets plus other real estate owned to assets | 1.2385% | 1,363 |
| Noncurrent loans to loans | 2.1556% | 756 |
| Net loans and leases to total assets | 27.6758% | 5,576 |
| Net loans and leases to deposits | 32.9585% | 5,592 |
| Net loans and leases to core deposits | 34.1011% | 5,599 |
| Total domestic deposits to total assets | 83.9717% | 3,209 |
| Equity capital to assets | 11.7336% | 2,125 |
| Core capital (leverage) ratio | 8.4120% | 5,276 |
| Tier 1 risk-based capital ratio | 21.0196% | 1,178 |
| Total risk-based capital ratio | 23.5431% | 998 |
| Memoranda: | ||
| Average total assets | $540,697,670 | 1,320 |
| Average earning assets | $448,942,000 | 1,454 |
| Average equity | $62,963,000 | 1,262 |
| Average total loans | $139,670,670 | 2,813 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2091% | 5,236 |
| Cost of funding earning assets | 0.4735% | 2,324 |
| Net interest margin | 2.7357% | 5,341 |
| Noninterest income to average assets | 1.2359% | 672 |
| Noninterest expense to average assets | 3.4762% | 1,075 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.3146% | 5,157 |
| Return on assets (ROA) | 0.3146% | 5,183 |
| Pretax return on assets | 0.0443% | 5,575 |
| Return on Equity (ROE) | 2.4750% | 5,237 |
| Retained earnings to average equity (ytd only) | 2.4750% | 4,152 |
| Net charge-offs to loans | 0.2054% | 849 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 0.8769% | 2,787 |
| Efficiency ratio | 98.7423% | 249 |
| Assets per employee ($millions) | 3.5626% | 4,697 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0560% | 3,952 |
| Loan loss allowance to noncurrent loans | 49.3987% | 4,659 |
| Noncurrent assets plus other real estate owned to assets | 1.2197% | 1,433 |
| Noncurrent loans to loans | 2.1378% | 806 |
| Net loans and leases to total assets | 25.4982% | 5,675 |
| Net loans and leases to deposits | 30.3145% | 5,677 |
| Net loans and leases to core deposits | 32.3083% | 5,661 |
| Total domestic deposits to total assets | 84.1121% | 3,439 |
| Equity capital to assets | 11.4044% | 2,252 |
| Core capital (leverage) ratio | 8.5734% | 5,176 |
| Tier 1 risk-based capital ratio | 20.4470% | 1,309 |
| Total risk-based capital ratio | 23.0545% | 1,079 |
| Memoranda: | ||
| Average total assets | $514,928,500 | 1,380 |
| Average earning assets | $430,021,000 | 1,524 |
| Average equity | $65,454,000 | 1,218 |
| Average total loans | $126,558,000 | 3,019 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6151% | 4,474 |
| Cost of funding earning assets | 0.4546% | 2,500 |
| Net interest margin | 3.1606% | 4,563 |
| Noninterest income to average assets | 3.9353% | 146 |
| Noninterest expense to average assets | 3.4447% | 1,265 |
| Loan and lease loss provision to assets | 0.0300% | 3,752 |
| Net operating income to assets | 2.2053% | 226 |
| Return on assets (ROA) | 2.2838% | 214 |
| Pretax return on assets | 3.2473% | 95 |
| Return on Equity (ROE) | 17.0727% | 398 |
| Retained earnings to average equity (ytd only) | 17.0727% | 73 |
| Net charge-offs to loans | 0.1251% | 1,994 |
| Credit loss provision to net charge-offs | 89.5522% | 2,805 |
| Earnings coverage of net charge-offs (x) | 94.5075% | 629 |
| Efficiency ratio | 52.1156% | 5,379 |
| Assets per employee ($millions) | 3.6212% | 4,580 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5432% | 1,523 |
| Loan loss allowance to noncurrent loans | 166.8378% | 2,600 |
| Noncurrent assets plus other real estate owned to assets | 0.9959% | 1,905 |
| Noncurrent loans to loans | 0.9250% | 2,247 |
| Net loans and leases to total assets | 22.7225% | 5,777 |
| Net loans and leases to deposits | 29.2418% | 5,745 |
| Net loans and leases to core deposits | 32.3682% | 5,728 |
| Total domestic deposits to total assets | 77.7054% | 5,015 |
| Equity capital to assets | 14.3542% | 781 |
| Core capital (leverage) ratio | 9.0810% | 4,645 |
| Tier 1 risk-based capital ratio | 22.7607% | 988 |
| Total risk-based capital ratio | 26.2623% | 756 |
| Memoranda: | ||
| Average total assets | $400,121,000 | 1,685 |
| Average earning assets | $338,576,000 | 1,836 |
| Average equity | $53,524,200 | 1,436 |
| Average total loans | $107,088,600 | 3,259 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6941% | 4,267 |
| Cost of funding earning assets | 0.4471% | 2,581 |
| Net interest margin | 3.2470% | 4,352 |
| Noninterest income to average assets | 2.5269% | 256 |
| Noninterest expense to average assets | 3.4278% | 1,297 |
| Loan and lease loss provision to assets | 0.0414% | 3,405 |
| Net operating income to assets | 1.4190% | 1,031 |
| Return on assets (ROA) | 1.5402% | 853 |
| Pretax return on assets | 1.9795% | 600 |
| Return on Equity (ROE) | 11.7679% | 1,399 |
| Retained earnings to average equity (ytd only) | 11.7679% | 334 |
| Net charge-offs to loans | 0.1488% | 1,507 |
| Credit loss provision to net charge-offs | 100.0000% | 2,352 |
| Earnings coverage of net charge-offs (x) | 45.0156% | 1,150 |
| Efficiency ratio | 64.7573% | 3,799 |
| Assets per employee ($millions) | 3.2055% | 5,172 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5772% | 1,546 |
| Loan loss allowance to noncurrent loans | 151.7593% | 2,764 |
| Noncurrent assets plus other real estate owned to assets | 1.3506% | 1,394 |
| Noncurrent loans to loans | 1.0393% | 2,162 |
| Net loans and leases to total assets | 25.9416% | 5,799 |
| Net loans and leases to deposits | 33.7952% | 5,758 |
| Net loans and leases to core deposits | 39.2514% | 5,700 |
| Total domestic deposits to total assets | 76.7611% | 5,129 |
| Equity capital to assets | 14.6513% | 827 |
| Core capital (leverage) ratio | 9.2097% | 4,573 |
| Tier 1 risk-based capital ratio | 23.1882% | 982 |
| Total risk-based capital ratio | 27.0944% | 712 |
| Memoranda: | ||
| Average total assets | $386,083,500 | 1,737 |
| Average earning assets | $328,950,250 | 1,882 |
| Average equity | $50,531,750 | 1,509 |
| Average total loans | $107,535,500 | 3,263 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7667% | 4,068 |
| Cost of funding earning assets | 0.4280% | 2,752 |
| Net interest margin | 3.3388% | 4,093 |
| Noninterest income to average assets | 2.7865% | 222 |
| Noninterest expense to average assets | 3.4021% | 1,370 |
| Loan and lease loss provision to assets | 0.0626% | 2,884 |
| Net operating income to assets | 1.6314% | 670 |
| Return on assets (ROA) | 1.7738% | 528 |
| Pretax return on assets | 2.3608% | 273 |
| Return on Equity (ROE) | 14.1313% | 809 |
| Retained earnings to average equity (ytd only) | 14.1313% | 177 |
| Net charge-offs to loans | 0.0772% | 2,088 |
| Credit loss provision to net charge-offs | 285.7143% | 999 |
| Earnings coverage of net charge-offs (x) | 101.9286% | 568 |
| Efficiency ratio | 60.3685% | 4,590 |
| Assets per employee ($millions) | 3.2385% | 5,153 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5727% | 1,605 |
| Loan loss allowance to noncurrent loans | 150.8787% | 2,848 |
| Noncurrent assets plus other real estate owned to assets | 1.7103% | 1,042 |
| Noncurrent loans to loans | 1.0424% | 2,198 |
| Net loans and leases to total assets | 27.8834% | 5,826 |
| Net loans and leases to deposits | 35.2585% | 5,800 |
| Net loans and leases to core deposits | 43.7500% | 5,633 |
| Total domestic deposits to total assets | 79.0827% | 4,765 |
| Equity capital to assets | 13.4055% | 1,281 |
| Core capital (leverage) ratio | 11.0882% | 2,334 |
| Tier 1 risk-based capital ratio | 28.6113% | 558 |
| Total risk-based capital ratio | 32.5247% | 440 |
| Memoranda: | ||
| Average total assets | $383,352,000 | 1,747 |
| Average earning assets | $327,128,000 | 1,895 |
| Average equity | $48,120,000 | 1,576 |
| Average total loans | $108,740,330 | 3,257 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7901% | 3,977 |
| Cost of funding earning assets | 0.4132% | 2,922 |
| Net interest margin | 3.3769% | 3,957 |
| Noninterest income to average assets | 3.2903% | 180 |
| Noninterest expense to average assets | 3.3980% | 1,382 |
| Loan and lease loss provision to assets | 0.0942% | 2,119 |
| Net operating income to assets | 1.9553% | 362 |
| Return on assets (ROA) | 1.9553% | 380 |
| Pretax return on assets | 2.6709% | 186 |
| Return on Equity (ROE) | 16.1298% | 522 |
| Retained earnings to average equity (ytd only) | 16.1298% | 190 |
| Net charge-offs to loans | 0.2543% | 815 |
| Credit loss provision to net charge-offs | 130.4348% | 1,363 |
| Earnings coverage of net charge-offs (x) | 38.3043% | 1,032 |
| Efficiency ratio | 55.1350% | 5,274 |
| Assets per employee ($millions) | 3.2153% | 5,256 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5117% | 1,932 |
| Loan loss allowance to noncurrent loans | 65.5867% | 4,434 |
| Noncurrent assets plus other real estate owned to assets | 2.6586% | 533 |
| Noncurrent loans to loans | 2.3048% | 868 |
| Net loans and leases to total assets | 28.0305% | 5,872 |
| Net loans and leases to deposits | 37.8938% | 5,781 |
| Net loans and leases to core deposits | 40.0344% | 5,768 |
| Total domestic deposits to total assets | 73.9711% | 5,612 |
| Equity capital to assets | 12.7445% | 1,536 |
| Core capital (leverage) ratio | 10.3194% | 3,167 |
| Tier 1 risk-based capital ratio | 25.5144% | 771 |
| Total risk-based capital ratio | 29.2457% | 595 |
| Memoranda: | ||
| Average total assets | $382,338,000 | 1,753 |
| Average earning assets | $325,270,500 | 1,906 |
| Average equity | $46,349,000 | 1,625 |
| Average total loans | $108,523,500 | 3,264 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0673% | 3,041 |
| Cost of funding earning assets | 0.3756% | 3,420 |
| Net interest margin | 3.6917% | 2,779 |
| Noninterest income to average assets | 4.1279% | 152 |
| Noninterest expense to average assets | 3.6909% | 990 |
| Loan and lease loss provision to assets | 0.2972% | 583 |
| Net operating income to assets | 2.3098% | 201 |
| Return on assets (ROA) | 2.2837% | 223 |
| Pretax return on assets | 3.2568% | 101 |
| Return on Equity (ROE) | 20.7379% | 213 |
| Retained earnings to average equity (ytd only) | 14.9957% | 132 |
| Net charge-offs to loans | 0.4175% | 686 |
| Credit loss provision to net charge-offs | 222.2222% | 1,275 |
| Earnings coverage of net charge-offs (x) | 26.8534% | 1,566 |
| Efficiency ratio | 50.6838% | 5,724 |
| Assets per employee ($millions) | 3.5078% | 4,825 |
| Cash dividends to net income (ytd only)* | 27.6893% | 3,460 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5284% | 1,867 |
| Loan loss allowance to noncurrent loans | 52.2807% | 4,820 |
| Noncurrent assets plus other real estate owned to assets | 2.9274% | 455 |
| Noncurrent loans to loans | 2.9235% | 563 |
| Net loans and leases to total assets | 27.8736% | 5,946 |
| Net loans and leases to deposits | 35.5138% | 5,900 |
| Net loans and leases to core deposits | 37.2037% | 5,899 |
| Total domestic deposits to total assets | 78.4866% | 5,066 |
| Equity capital to assets | 11.4890% | 2,370 |
| Core capital (leverage) ratio | 9.8554% | 3,707 |
| Tier 1 risk-based capital ratio | 22.0551% | 1,134 |
| Total risk-based capital ratio | 25.6573% | 855 |
| Memoranda: | ||
| Average total assets | $316,289,000 | 2,066 |
| Average earning assets | $270,251,800 | 2,196 |
| Average equity | $34,830,000 | 2,044 |
| Average total loans | $101,323,000 | 3,362 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1284% | 2,812 |
| Cost of funding earning assets | 0.3759% | 3,481 |
| Net interest margin | 3.7525% | 2,552 |
| Noninterest income to average assets | 5.2414% | 124 |
| Noninterest expense to average assets | 3.8178% | 833 |
| Loan and lease loss provision to assets | 0.3171% | 448 |
| Net operating income to assets | 2.9447% | 92 |
| Return on assets (ROA) | 2.9092% | 94 |
| Pretax return on assets | 4.2773% | 68 |
| Return on Equity (ROE) | 26.7834% | 84 |
| Retained earnings to average equity (ytd only) | 26.7834% | 35 |
| Net charge-offs to loans | 0.3165% | 840 |
| Credit loss provision to net charge-offs | 301.6878% | 957 |
| Earnings coverage of net charge-offs (x) | 44.2113% | 1,143 |
| Efficiency ratio | 45.1040% | 5,998 |
| Assets per employee ($millions) | 2.9898% | 5,559 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4528% | 2,361 |
| Loan loss allowance to noncurrent loans | 51.2000% | 4,915 |
| Noncurrent assets plus other real estate owned to assets | 3.4938% | 372 |
| Noncurrent loans to loans | 2.8376% | 652 |
| Net loans and leases to total assets | 31.2933% | 5,939 |
| Net loans and leases to deposits | 41.4746% | 5,820 |
| Net loans and leases to core deposits | 43.1661% | 5,817 |
| Total domestic deposits to total assets | 75.4518% | 5,580 |
| Equity capital to assets | 11.7404% | 2,316 |
| Core capital (leverage) ratio | 10.3228% | 3,229 |
| Tier 1 risk-based capital ratio | 22.8632% | 1,071 |
| Total risk-based capital ratio | 26.5828% | 806 |
| Memoranda: | ||
| Average total assets | $300,651,500 | 2,161 |
| Average earning assets | $258,238,750 | 2,292 |
| Average equity | $32,656,250 | 2,178 |
| Average total loans | $99,845,000 | 3,427 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1620% | 2,671 |
| Cost of funding earning assets | 0.3830% | 3,449 |
| Net interest margin | 3.7790% | 2,408 |
| Noninterest income to average assets | 6.5140% | 106 |
| Noninterest expense to average assets | 3.7923% | 877 |
| Loan and lease loss provision to assets | 0.3611% | 358 |
| Net operating income to assets | 3.7380% | 67 |
| Return on assets (ROA) | 3.6843% | 69 |
| Pretax return on assets | 5.5443% | 52 |
| Return on Equity (ROE) | 35.0692% | 39 |
| Retained earnings to average equity (ytd only) | 35.0692% | 22 |
| Net charge-offs to loans | 0.3070% | 864 |
| Credit loss provision to net charge-offs | 347.9730% | 834 |
| Earnings coverage of net charge-offs (x) | 57.6959% | 861 |
| Efficiency ratio | 38.7798% | 6,228 |
| Assets per employee ($millions) | 3.0960% | 5,477 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4402% | 2,567 |
| Loan loss allowance to noncurrent loans | 253.6627% | 1,861 |
| Noncurrent assets plus other real estate owned to assets | 2.5805% | 718 |
| Noncurrent loans to loans | 0.5677% | 3,747 |
| Net loans and leases to total assets | 32.2683% | 5,962 |
| Net loans and leases to deposits | 41.5166% | 5,857 |
| Net loans and leases to core deposits | 42.9457% | 5,867 |
| Total domestic deposits to total assets | 77.7239% | 5,327 |
| Equity capital to assets | 10.9979% | 2,882 |
| Core capital (leverage) ratio | 9.9244% | 3,713 |
| Tier 1 risk-based capital ratio | 22.0564% | 1,202 |
| Total risk-based capital ratio | 26.0995% | 865 |
| Memoranda: | ||
| Average total assets | $285,264,670 | 2,266 |
| Average earning assets | $246,467,000 | 2,405 |
| Average equity | $29,969,330 | 2,341 |
| Average total loans | $96,417,000 | 3,496 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1817% | 2,523 |
| Cost of funding earning assets | 0.4163% | 3,127 |
| Net interest margin | 3.7654% | 2,371 |
| Noninterest income to average assets | 11.6652% | 64 |
| Noninterest expense to average assets | 3.7082% | 1,002 |
| Loan and lease loss provision to assets | 0.5407% | 184 |
| Net operating income to assets | 6.8347% | 33 |
| Return on assets (ROA) | 6.7304% | 34 |
| Pretax return on assets | 10.5097% | 32 |
| Return on Equity (ROE) | 65.8680% | 14 |
| Retained earnings to average equity (ytd only) | 65.8680% | 7 |
| Net charge-offs to loans | 0.4606% | 540 |
| Credit loss provision to net charge-offs | 341.1215% | 740 |
| Earnings coverage of net charge-offs (x) | 70.7383% | 640 |
| Efficiency ratio | 24.8511% | 6,388 |
| Assets per employee ($millions) | 3.2966% | 5,249 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3410% | 3,184 |
| Loan loss allowance to noncurrent loans | 300.0000% | 1,597 |
| Noncurrent assets plus other real estate owned to assets | 2.6334% | 790 |
| Noncurrent loans to loans | 0.4470% | 4,246 |
| Net loans and leases to total assets | 33.8430% | 5,930 |
| Net loans and leases to deposits | 41.7715% | 5,845 |
| Net loans and leases to core deposits | 43.2228% | 5,861 |
| Total domestic deposits to total assets | 81.0194% | 4,817 |
| Equity capital to assets | 10.0036% | 4,143 |
| Core capital (leverage) ratio | 10.1239% | 3,431 |
| Tier 1 risk-based capital ratio | 21.0828% | 1,403 |
| Total risk-based capital ratio | 25.0765% | 998 |
| Memoranda: | ||
| Average total assets | $269,999,000 | 2,387 |
| Average earning assets | $233,492,000 | 2,526 |
| Average equity | $27,588,500 | 2,532 |
| Average total loans | $92,930,000 | 3,593 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2529% | 2,765 |
| Cost of funding earning assets | 0.5387% | 2,301 |
| Net interest margin | 3.7142% | 2,958 |
| Noninterest income to average assets | 4.6086% | 135 |
| Noninterest expense to average assets | 3.6569% | 1,213 |
| Loan and lease loss provision to assets | 0.3047% | 674 |
| Net operating income to assets | 2.4723% | 153 |
| Return on assets (ROA) | 2.4829% | 152 |
| Pretax return on assets | 3.7185% | 76 |
| Return on Equity (ROE) | 23.5386% | 136 |
| Retained earnings to average equity (ytd only) | 11.1041% | 366 |
| Net charge-offs to loans | 1.1475% | 242 |
| Credit loss provision to net charge-offs | 85.2332% | 2,754 |
| Earnings coverage of net charge-offs (x) | 11.2085% | 2,524 |
| Efficiency ratio | 47.7129% | 6,195 |
| Assets per employee ($millions) | 3.4287% | 5,006 |
| Cash dividends to net income (ytd only)* | 52.8260% | 2,114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3526% | 3,162 |
| Loan loss allowance to noncurrent loans | 74.3046% | 4,386 |
| Noncurrent assets plus other real estate owned to assets | 3.1166% | 631 |
| Noncurrent loans to loans | 1.8203% | 1,573 |
| Net loans and leases to total assets | 34.0957% | 6,029 |
| Net loans and leases to deposits | 45.3393% | 5,824 |
| Net loans and leases to core deposits | 46.7852% | 5,858 |
| Total domestic deposits to total assets | 75.2011% | 5,833 |
| Equity capital to assets | 10.4859% | 3,503 |
| Core capital (leverage) ratio | 10.0656% | 3,478 |
| Tier 1 risk-based capital ratio | 21.0541% | 1,394 |
| Total risk-based capital ratio | 25.5389% | 899 |
| Memoranda: | ||
| Average total assets | $215,921,000 | 2,827 |
| Average earning assets | $177,641,800 | 3,072 |
| Average equity | $22,775,400 | 2,870 |
| Average total loans | $67,279,200 | 4,254 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2702% | 2,747 |
| Cost of funding earning assets | 0.5458% | 2,333 |
| Net interest margin | 3.7244% | 2,929 |
| Noninterest income to average assets | 3.5762% | 162 |
| Noninterest expense to average assets | 3.4962% | 1,469 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 2.0957% | 286 |
| Return on assets (ROA) | 2.1102% | 287 |
| Pretax return on assets | 3.1271% | 103 |
| Return on Equity (ROE) | 19.9717% | 285 |
| Retained earnings to average equity (ytd only) | 7.3767% | 1,635 |
| Net charge-offs to loans | -0.1052% | 6,155 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.9587% | 5,922 |
| Assets per employee ($millions) | 3.5049% | 4,854 |
| Cash dividends to net income (ytd only)* | 63.0644% | 1,257 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6774% | 2,045 |
| Loan loss allowance to noncurrent loans | 115.1298% | 3,332 |
| Noncurrent assets plus other real estate owned to assets | 2.5309% | 1,032 |
| Noncurrent loans to loans | 1.4570% | 2,235 |
| Net loans and leases to total assets | 31.6280% | 6,197 |
| Net loans and leases to deposits | 43.3023% | 6,010 |
| Net loans and leases to core deposits | 44.7285% | 6,010 |
| Total domestic deposits to total assets | 73.0402% | 6,091 |
| Equity capital to assets | 9.8449% | 4,368 |
| Core capital (leverage) ratio | 9.3264% | 4,602 |
| Tier 1 risk-based capital ratio | 18.8594% | 1,943 |
| Total risk-based capital ratio | 23.3701% | 1,228 |
| Memoranda: | ||
| Average total assets | $209,899,500 | 2,904 |
| Average earning assets | $170,510,750 | 3,178 |
| Average equity | $22,177,500 | 2,938 |
| Average total loans | $63,360,500 | 4,420 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1651% | 3,080 |
| Cost of funding earning assets | 0.5357% | 2,481 |
| Net interest margin | 3.6294% | 3,235 |
| Noninterest income to average assets | 4.2750% | 139 |
| Noninterest expense to average assets | 3.6014% | 1,292 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 2.4099% | 162 |
| Return on assets (ROA) | 2.4099% | 167 |
| Pretax return on assets | 3.6144% | 82 |
| Return on Equity (ROE) | 22.2083% | 191 |
| Retained earnings to average equity (ytd only) | 14.3365% | 245 |
| Net charge-offs to loans | -0.1426% | 6,250 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.9101% | 6,176 |
| Assets per employee ($millions) | 3.3917% | 5,072 |
| Cash dividends to net income (ytd only)* | 35.4451% | 2,587 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6919% | 2,154 |
| Loan loss allowance to noncurrent loans | 88.9972% | 3,909 |
| Noncurrent assets plus other real estate owned to assets | 2.3473% | 1,254 |
| Noncurrent loans to loans | 1.9011% | 1,800 |
| Net loans and leases to total assets | 32.6778% | 6,213 |
| Net loans and leases to deposits | 45.7324% | 5,892 |
| Net loans and leases to core deposits | 47.3497% | 5,934 |
| Total domestic deposits to total assets | 71.4543% | 6,288 |
| Equity capital to assets | 10.3405% | 3,633 |
| Core capital (leverage) ratio | 9.7203% | 4,010 |
| Tier 1 risk-based capital ratio | 19.9907% | 1,690 |
| Total risk-based capital ratio | 24.8004% | 1,020 |
| Memoranda: | ||
| Average total assets | $200,420,670 | 3,031 |
| Average earning assets | $162,396,670 | 3,292 |
| Average equity | $21,748,670 | 2,978 |
| Average total loans | $58,925,000 | 4,585 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2337% | 2,750 |
| Cost of funding earning assets | 0.5339% | 2,566 |
| Net interest margin | 3.6999% | 2,866 |
| Noninterest income to average assets | 1.4780% | 534 |
| Noninterest expense to average assets | 3.3474% | 1,833 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.8684% | 2,804 |
| Return on assets (ROA) | 0.8684% | 2,872 |
| Pretax return on assets | 1.1101% | 2,857 |
| Return on Equity (ROE) | 7.7800% | 3,052 |
| Retained earnings to average equity (ytd only) | -3.7175% | 6,034 |
| Net charge-offs to loans | -0.1264% | 6,212 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0960% | 2,955 |
| Assets per employee ($millions) | 3.5843% | 4,758 |
| Cash dividends to net income (ytd only)* | 147.7833% | 405 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5097% | 807 |
| Loan loss allowance to noncurrent loans | 223.9714% | 1,904 |
| Noncurrent assets plus other real estate owned to assets | 2.0672% | 1,632 |
| Noncurrent loans to loans | 1.1205% | 3,185 |
| Net loans and leases to total assets | 25.6015% | 6,476 |
| Net loans and leases to deposits | 38.4795% | 6,224 |
| Net loans and leases to core deposits | 39.8161% | 6,242 |
| Total domestic deposits to total assets | 66.5330% | 6,548 |
| Equity capital to assets | 11.1150% | 2,613 |
| Core capital (leverage) ratio | 9.8796% | 3,744 |
| Tier 1 risk-based capital ratio | 21.5382% | 1,367 |
| Total risk-based capital ratio | 27.4443% | 762 |
| Memoranda: | ||
| Average total assets | $187,009,500 | 3,208 |
| Average earning assets | $150,600,500 | 3,497 |
| Average equity | $20,874,000 | 3,069 |
| Average total loans | $50,619,500 | 4,909 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2366% | 3,212 |
| Cost of funding earning assets | 0.5767% | 2,867 |
| Net interest margin | 3.6599% | 3,218 |
| Noninterest income to average assets | 1.9339% | 414 |
| Noninterest expense to average assets | 3.9801% | 891 |
| Loan and lease loss provision to assets | -0.2910% | 6,671 |
| Net operating income to assets | 0.8877% | 2,842 |
| Return on assets (ROA) | 0.8916% | 2,915 |
| Pretax return on assets | 1.2047% | 2,562 |
| Return on Equity (ROE) | 7.2084% | 3,453 |
| Retained earnings to average equity (ytd only) | 2.2491% | 4,647 |
| Net charge-offs to loans | 0.2706% | 2,346 |
| Credit loss provision to net charge-offs | -331.1258% | 6,072 |
| Earnings coverage of net charge-offs (x) | 10.3377% | 2,385 |
| Efficiency ratio | 81.4167% | 1,956 |
| Assets per employee ($millions) | 3.4726% | 4,955 |
| Cash dividends to net income (ytd only)* | 68.7990% | 1,364 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4069% | 921 |
| Loan loss allowance to noncurrent loans | 219.9288% | 1,948 |
| Noncurrent assets plus other real estate owned to assets | 2.2755% | 1,554 |
| Noncurrent loans to loans | 1.0944% | 3,345 |
| Net loans and leases to total assets | 27.2296% | 6,542 |
| Net loans and leases to deposits | 38.4910% | 6,349 |
| Net loans and leases to core deposits | 40.0252% | 6,363 |
| Total domestic deposits to total assets | 70.7427% | 6,490 |
| Equity capital to assets | 11.2105% | 2,420 |
| Core capital (leverage) ratio | 9.9313% | 3,664 |
| Tier 1 risk-based capital ratio | 21.1176% | 1,402 |
| Total risk-based capital ratio | 27.0583% | 770 |
| Memoranda: | ||
| Average total assets | $171,828,000 | 3,385 |
| Average earning assets | $138,720,000 | 3,686 |
| Average equity | $21,253,000 | 3,007 |
| Average total loans | $55,804,200 | 4,756 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2709% | 3,105 |
| Cost of funding earning assets | 0.5868% | 2,931 |
| Net interest margin | 3.6841% | 3,087 |
| Noninterest income to average assets | 1.6914% | 530 |
| Noninterest expense to average assets | 4.0954% | 770 |
| Loan and lease loss provision to assets | -0.3950% | 6,805 |
| Net operating income to assets | 0.7322% | 3,685 |
| Return on assets (ROA) | 0.7292% | 3,834 |
| Pretax return on assets | 0.9630% | 3,637 |
| Return on Equity (ROE) | 5.7485% | 4,314 |
| Retained earnings to average equity (ytd only) | 5.7485% | 2,567 |
| Net charge-offs to loans | 0.2366% | 2,385 |
| Credit loss provision to net charge-offs | -495.0495% | 6,057 |
| Earnings coverage of net charge-offs (x) | 7.1685% | 2,835 |
| Efficiency ratio | 87.7454% | 1,194 |
| Assets per employee ($millions) | 3.2645% | 5,352 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4992% | 934 |
| Loan loss allowance to noncurrent loans | 48.8231% | 5,273 |
| Noncurrent assets plus other real estate owned to assets | 3.5731% | 934 |
| Noncurrent loans to loans | 5.1189% | 573 |
| Net loans and leases to total assets | 28.9972% | 6,565 |
| Net loans and leases to deposits | 42.0223% | 6,304 |
| Net loans and leases to core deposits | 45.1994% | 6,240 |
| Total domestic deposits to total assets | 69.0042% | 6,634 |
| Equity capital to assets | 12.2080% | 1,778 |
| Core capital (leverage) ratio | 10.8660% | 2,603 |
| Tier 1 risk-based capital ratio | 22.4953% | 1,224 |
| Total risk-based capital ratio | 28.6084% | 663 |
| Memoranda: | ||
| Average total assets | $168,772,500 | 3,472 |
| Average earning assets | $136,330,750 | 3,756 |
| Average equity | $21,408,000 | 3,028 |
| Average total loans | $56,917,250 | 4,761 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2905% | 2,995 |
| Cost of funding earning assets | 0.5986% | 2,958 |
| Net interest margin | 3.6919% | 2,985 |
| Noninterest income to average assets | 2.0184% | 437 |
| Noninterest expense to average assets | 3.9341% | 939 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.7871% | 3,368 |
| Return on assets (ROA) | 0.7828% | 3,553 |
| Pretax return on assets | 1.0779% | 3,184 |
| Return on Equity (ROE) | 6.0921% | 4,117 |
| Retained earnings to average equity (ytd only) | 6.0921% | 2,377 |
| Net charge-offs to loans | 0.3916% | 1,651 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 7.8870% | 2,484 |
| Efficiency ratio | 78.3996% | 2,396 |
| Assets per employee ($millions) | 3.2118% | 5,454 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1358% | 504 |
| Loan loss allowance to noncurrent loans | 42.0441% | 5,538 |
| Noncurrent assets plus other real estate owned to assets | 2.8504% | 1,442 |
| Noncurrent loans to loans | 7.4583% | 299 |
| Net loans and leases to total assets | 32.1741% | 6,498 |
| Net loans and leases to deposits | 48.6157% | 5,942 |
| Net loans and leases to core deposits | 52.4392% | 5,858 |
| Total domestic deposits to total assets | 66.1804% | 6,756 |
| Equity capital to assets | 12.2574% | 1,735 |
| Core capital (leverage) ratio | 10.8698% | 2,482 |
| Tier 1 risk-based capital ratio | 22.1241% | 1,260 |
| Total risk-based capital ratio | 28.2445% | 682 |
| Memoranda: | ||
| Average total assets | $167,357,670 | 3,506 |
| Average earning assets | $135,974,000 | 3,791 |
| Average equity | $21,503,330 | 3,032 |
| Average total loans | $58,737,670 | 4,715 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4483% | 2,353 |
| Cost of funding earning assets | 0.6920% | 2,290 |
| Net interest margin | 3.7564% | 2,625 |
| Noninterest income to average assets | 1.4705% | 716 |
| Noninterest expense to average assets | 4.0091% | 878 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.3905% | 5,162 |
| Return on assets (ROA) | 0.3905% | 5,309 |
| Pretax return on assets | 0.4846% | 5,307 |
| Return on Equity (ROE) | 2.9694% | 5,594 |
| Retained earnings to average equity (ytd only) | 2.9694% | 4,499 |
| Net charge-offs to loans | 0.5081% | 1,185 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 2.6447% | 2,981 |
| Efficiency ratio | 89.2167% | 1,213 |
| Assets per employee ($millions) | 3.1901% | 5,651 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2424% | 523 |
| Loan loss allowance to noncurrent loans | 41.6226% | 5,530 |
| Noncurrent assets plus other real estate owned to assets | 3.5675% | 1,183 |
| Noncurrent loans to loans | 7.7901% | 349 |
| Net loans and leases to total assets | 32.5778% | 6,484 |
| Net loans and leases to deposits | 45.8045% | 6,069 |
| Net loans and leases to core deposits | 49.6522% | 5,996 |
| Total domestic deposits to total assets | 71.1235% | 6,700 |
| Equity capital to assets | 13.1397% | 1,364 |
| Core capital (leverage) ratio | 11.1280% | 2,154 |
| Tier 1 risk-based capital ratio | 22.8556% | 1,181 |
| Total risk-based capital ratio | 29.1858% | 631 |
| Memoranda: | ||
| Average total assets | $165,924,500 | 3,566 |
| Average earning assets | $133,533,000 | 3,868 |
| Average equity | $21,822,500 | 3,046 |
| Average total loans | $59,836,000 | 4,713 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6513% | 2,789 |
| Cost of funding earning assets | 0.8487% | 2,297 |
| Net interest margin | 3.8026% | 3,214 |
| Noninterest income to average assets | 1.8181% | 504 |
| Noninterest expense to average assets | 3.9565% | 1,025 |
| Loan and lease loss provision to assets | 0.1033% | 4,352 |
| Net operating income to assets | 0.4565% | 4,853 |
| Return on assets (ROA) | 0.5578% | 4,698 |
| Pretax return on assets | 0.9665% | 3,676 |
| Return on Equity (ROE) | 4.5290% | 4,911 |
| Retained earnings to average equity (ytd only) | 4.5290% | 3,037 |
| Net charge-offs to loans | 0.7036% | 1,680 |
| Credit loss provision to net charge-offs | 35.7143% | 5,010 |
| Earnings coverage of net charge-offs (x) | 3.1508% | 3,860 |
| Efficiency ratio | 81.2780% | 1,975 |
| Assets per employee ($millions) | 3.2542% | 5,504 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9568% | 694 |
| Loan loss allowance to noncurrent loans | 46.6733% | 5,291 |
| Noncurrent assets plus other real estate owned to assets | 3.3459% | 1,374 |
| Noncurrent loans to loans | 6.3351% | 541 |
| Net loans and leases to total assets | 37.3168% | 6,349 |
| Net loans and leases to deposits | 50.7743% | 5,906 |
| Net loans and leases to core deposits | 57.2020% | 5,618 |
| Total domestic deposits to total assets | 73.4953% | 6,581 |
| Equity capital to assets | 13.1644% | 1,370 |
| Core capital (leverage) ratio | 11.1104% | 2,159 |
| Tier 1 risk-based capital ratio | 21.9850% | 1,265 |
| Total risk-based capital ratio | 28.1303% | 694 |
| Memoranda: | ||
| Average total assets | $174,243,600 | 3,385 |
| Average earning assets | $139,747,000 | 3,729 |
| Average equity | $21,461,800 | 3,045 |
| Average total loans | $71,632,600 | 4,297 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6515% | 3,009 |
| Cost of funding earning assets | 0.8667% | 2,417 |
| Net interest margin | 3.7848% | 3,404 |
| Noninterest income to average assets | 1.8210% | 486 |
| Noninterest expense to average assets | 3.8809% | 1,088 |
| Loan and lease loss provision to assets | 0.1361% | 3,846 |
| Net operating income to assets | 0.4411% | 5,073 |
| Return on assets (ROA) | 0.5747% | 4,770 |
| Pretax return on assets | 1.0473% | 3,545 |
| Return on Equity (ROE) | 4.7428% | 4,949 |
| Retained earnings to average equity (ytd only) | 4.7428% | 3,566 |
| Net charge-offs to loans | 0.8371% | 1,311 |
| Credit loss provision to net charge-offs | 38.9610% | 4,634 |
| Earnings coverage of net charge-offs (x) | 2.7901% | 3,922 |
| Efficiency ratio | 79.9252% | 2,105 |
| Assets per employee ($millions) | 3.2525% | 5,532 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8872% | 813 |
| Loan loss allowance to noncurrent loans | 75.3516% | 4,015 |
| Noncurrent assets plus other real estate owned to assets | 3.0798% | 1,689 |
| Noncurrent loans to loans | 3.8316% | 1,375 |
| Net loans and leases to total assets | 38.3629% | 6,398 |
| Net loans and leases to deposits | 56.4601% | 5,589 |
| Net loans and leases to core deposits | 64.0103% | 5,141 |
| Total domestic deposits to total assets | 67.9469% | 6,928 |
| Equity capital to assets | 12.8692% | 1,666 |
| Core capital (leverage) ratio | 10.8558% | 2,541 |
| Tier 1 risk-based capital ratio | 21.2188% | 1,473 |
| Total risk-based capital ratio | 27.2110% | 818 |
| Memoranda: | ||
| Average total assets | $176,313,750 | 3,409 |
| Average earning assets | $141,369,000 | 3,748 |
| Average equity | $21,365,250 | 3,084 |
| Average total loans | $73,586,000 | 4,272 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6711% | 3,042 |
| Cost of funding earning assets | 0.8812% | 2,549 |
| Net interest margin | 3.7900% | 3,410 |
| Noninterest income to average assets | 2.1241% | 368 |
| Noninterest expense to average assets | 3.8499% | 1,143 |
| Loan and lease loss provision to assets | 0.2014% | 3,064 |
| Net operating income to assets | 0.5439% | 4,605 |
| Return on assets (ROA) | 0.6793% | 4,245 |
| Pretax return on assets | 1.3217% | 2,476 |
| Return on Equity (ROE) | 5.7179% | 4,467 |
| Retained earnings to average equity (ytd only) | 5.7179% | 2,870 |
| Net charge-offs to loans | 1.2420% | 866 |
| Credit loss provision to net charge-offs | 38.2166% | 4,306 |
| Earnings coverage of net charge-offs (x) | 2.4883% | 3,763 |
| Efficiency ratio | 74.5880% | 2,974 |
| Assets per employee ($millions) | 3.3168% | 5,406 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6745% | 1,070 |
| Loan loss allowance to noncurrent loans | 89.5522% | 3,490 |
| Noncurrent assets plus other real estate owned to assets | 2.7584% | 1,997 |
| Noncurrent loans to loans | 2.9865% | 1,984 |
| Net loans and leases to total assets | 39.7465% | 6,362 |
| Net loans and leases to deposits | 57.1833% | 5,534 |
| Net loans and leases to core deposits | 65.8040% | 5,027 |
| Total domestic deposits to total assets | 69.5072% | 6,929 |
| Equity capital to assets | 12.2636% | 1,959 |
| Core capital (leverage) ratio | 10.2197% | 3,116 |
| Tier 1 risk-based capital ratio | 19.9199% | 1,720 |
| Total risk-based capital ratio | 25.7202% | 943 |
| Memoranda: | ||
| Average total assets | $178,707,670 | 3,373 |
| Average earning assets | $143,220,330 | 3,731 |
| Average equity | $21,231,670 | 3,086 |
| Average total loans | $75,843,670 | 4,229 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7249% | 2,955 |
| Cost of funding earning assets | 0.9123% | 2,590 |
| Net interest margin | 3.8127% | 3,335 |
| Noninterest income to average assets | 1.5852% | 577 |
| Noninterest expense to average assets | 3.8054% | 1,208 |
| Loan and lease loss provision to assets | 0.1998% | 2,938 |
| Net operating income to assets | 0.4091% | 5,215 |
| Return on assets (ROA) | 0.5484% | 4,819 |
| Pretax return on assets | 0.8503% | 4,228 |
| Return on Equity (ROE) | 4.6895% | 4,939 |
| Retained earnings to average equity (ytd only) | 4.6895% | 3,751 |
| Net charge-offs to loans | 0.4623% | 1,934 |
| Credit loss provision to net charge-offs | 100.0000% | 2,289 |
| Earnings coverage of net charge-offs (x) | 4.1667% | 2,649 |
| Efficiency ratio | 82.0488% | 1,927 |
| Assets per employee ($millions) | 3.5935% | 4,900 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9173% | 897 |
| Loan loss allowance to noncurrent loans | 56.5763% | 4,707 |
| Noncurrent assets plus other real estate owned to assets | 3.6833% | 1,539 |
| Noncurrent loans to loans | 5.1564% | 1,068 |
| Net loans and leases to total assets | 40.9507% | 6,269 |
| Net loans and leases to deposits | 58.8952% | 5,283 |
| Net loans and leases to core deposits | 67.3782% | 4,747 |
| Total domestic deposits to total assets | 69.5314% | 7,002 |
| Equity capital to assets | 11.7767% | 2,200 |
| Core capital (leverage) ratio | 9.3857% | 4,216 |
| Tier 1 risk-based capital ratio | 18.4158% | 2,169 |
| Total risk-based capital ratio | 24.1675% | 1,131 |
| Memoranda: | ||
| Average total assets | $180,167,000 | 3,376 |
| Average earning assets | $144,255,500 | 3,737 |
| Average equity | $21,068,500 | 3,098 |
| Average total loans | $77,870,500 | 4,189 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0394% | 2,716 |
| Cost of funding earning assets | 1.3273% | 1,352 |
| Net interest margin | 3.7122% | 4,244 |
| Noninterest income to average assets | 0.9355% | 1,549 |
| Noninterest expense to average assets | 3.1413% | 3,058 |
| Loan and lease loss provision to assets | 0.3029% | 3,245 |
| Net operating income to assets | 0.3093% | 5,220 |
| Return on assets (ROA) | 0.3135% | 5,362 |
| Pretax return on assets | 0.5013% | 4,987 |
| Return on Equity (ROE) | 2.9039% | 5,329 |
| Retained earnings to average equity (ytd only) | 2.9039% | 4,176 |
| Net charge-offs to loans | 1.4615% | 1,104 |
| Credit loss provision to net charge-offs | 48.0384% | 5,468 |
| Earnings coverage of net charge-offs (x) | 1.2650% | 4,834 |
| Efficiency ratio | 79.7488% | 2,339 |
| Assets per employee ($millions) | 3.4742% | 5,085 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7654% | 1,018 |
| Loan loss allowance to noncurrent loans | 55.8333% | 4,723 |
| Noncurrent assets plus other real estate owned to assets | 5.1562% | 1,023 |
| Noncurrent loans to loans | 4.9530% | 1,144 |
| Net loans and leases to total assets | 43.0318% | 6,299 |
| Net loans and leases to deposits | 62.1995% | 5,215 |
| Net loans and leases to core deposits | 73.3687% | 4,329 |
| Total domestic deposits to total assets | 69.1836% | 7,026 |
| Equity capital to assets | 11.6115% | 2,412 |
| Core capital (leverage) ratio | 9.1969% | 4,474 |
| Tier 1 risk-based capital ratio | 16.9608% | 2,625 |
| Total risk-based capital ratio | 22.4183% | 1,357 |
| Memoranda: | ||
| Average total assets | $198,069,400 | 3,074 |
| Average earning assets | $160,255,600 | 3,398 |
| Average equity | $21,385,200 | 2,968 |
| Average total loans | $85,461,200 | 3,983 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0685% | 2,758 |
| Cost of funding earning assets | 1.3443% | 1,483 |
| Net interest margin | 3.7243% | 4,234 |
| Noninterest income to average assets | 0.6758% | 2,736 |
| Noninterest expense to average assets | 2.7980% | 4,352 |
| Loan and lease loss provision to assets | 0.2964% | 3,154 |
| Net operating income to assets | 0.3826% | 5,072 |
| Return on assets (ROA) | 0.3847% | 5,252 |
| Pretax return on assets | 0.6139% | 4,762 |
| Return on Equity (ROE) | 3.6238% | 5,164 |
| Retained earnings to average equity (ytd only) | 3.6238% | 4,171 |
| Net charge-offs to loans | 1.1669% | 1,348 |
| Credit loss provision to net charge-offs | 59.2105% | 4,832 |
| Earnings coverage of net charge-offs (x) | 1.8118% | 4,302 |
| Efficiency ratio | 75.5200% | 2,915 |
| Assets per employee ($millions) | 4.0548% | 3,726 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1925% | 726 |
| Loan loss allowance to noncurrent loans | 60.7287% | 4,425 |
| Noncurrent assets plus other real estate owned to assets | 6.1106% | 867 |
| Noncurrent loans to loans | 5.2570% | 1,155 |
| Net loans and leases to total assets | 39.7289% | 6,655 |
| Net loans and leases to deposits | 61.9832% | 5,403 |
| Net loans and leases to core deposits | 71.1202% | 4,827 |
| Total domestic deposits to total assets | 64.0963% | 7,245 |
| Equity capital to assets | 10.9999% | 3,146 |
| Core capital (leverage) ratio | 9.3341% | 4,407 |
| Tier 1 risk-based capital ratio | 17.9922% | 2,259 |
| Total risk-based capital ratio | 23.2942% | 1,257 |
| Memoranda: | ||
| Average total assets | $202,422,500 | 3,048 |
| Average earning assets | $164,645,750 | 3,342 |
| Average equity | $21,487,250 | 2,951 |
| Average total loans | $86,838,750 | 3,975 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0421% | 2,957 |
| Cost of funding earning assets | 1.3551% | 1,625 |
| Net interest margin | 3.6870% | 4,326 |
| Noninterest income to average assets | 0.5638% | 3,373 |
| Noninterest expense to average assets | 2.7412% | 4,656 |
| Loan and lease loss provision to assets | 0.2927% | 3,056 |
| Net operating income to assets | 0.3502% | 5,177 |
| Return on assets (ROA) | 0.3502% | 5,309 |
| Pretax return on assets | 0.5453% | 4,918 |
| Return on Equity (ROE) | 3.3375% | 5,245 |
| Retained earnings to average equity (ytd only) | 3.3375% | 4,137 |
| Net charge-offs to loans | 0.8300% | 1,847 |
| Credit loss provision to net charge-offs | 81.0811% | 3,735 |
| Earnings coverage of net charge-offs (x) | 2.3216% | 3,666 |
| Efficiency ratio | 76.5876% | 2,920 |
| Assets per employee ($millions) | 4.0872% | 3,578 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2339% | 734 |
| Loan loss allowance to noncurrent loans | 40.4700% | 5,626 |
| Noncurrent assets plus other real estate owned to assets | 6.0332% | 928 |
| Noncurrent loans to loans | 7.9909% | 566 |
| Net loans and leases to total assets | 41.6844% | 6,613 |
| Net loans and leases to deposits | 60.4481% | 5,684 |
| Net loans and leases to core deposits | 69.3640% | 5,143 |
| Total domestic deposits to total assets | 68.9590% | 7,156 |
| Equity capital to assets | 10.5910% | 3,389 |
| Core capital (leverage) ratio | 8.9530% | 4,801 |
| Tier 1 risk-based capital ratio | 17.0491% | 2,498 |
| Total risk-based capital ratio | 22.1887% | 1,412 |
| Memoranda: | ||
| Average total assets | $205,020,330 | 3,035 |
| Average earning assets | $167,668,670 | 3,316 |
| Average equity | $21,513,330 | 2,924 |
| Average total loans | $89,160,330 | 3,963 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0115% | 3,056 |
| Cost of funding earning assets | 1.3702% | 1,765 |
| Net interest margin | 3.6413% | 4,364 |
| Noninterest income to average assets | 0.5767% | 3,326 |
| Noninterest expense to average assets | 2.6674% | 4,971 |
| Loan and lease loss provision to assets | 0.2893% | 2,836 |
| Net operating income to assets | 0.3857% | 5,011 |
| Return on assets (ROA) | 0.3857% | 5,098 |
| Pretax return on assets | 0.6133% | 4,638 |
| Return on Equity (ROE) | 3.6927% | 5,043 |
| Retained earnings to average equity (ytd only) | 3.6927% | 3,957 |
| Net charge-offs to loans | 0.9845% | 1,375 |
| Credit loss provision to net charge-offs | 67.2646% | 3,401 |
| Earnings coverage of net charge-offs (x) | 2.0987% | 3,250 |
| Efficiency ratio | 74.7164% | 3,388 |
| Assets per employee ($millions) | 4.4451% | 2,986 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7354% | 3,226 |
| Loan loss allowance to noncurrent loans | 31.8799% | 6,184 |
| Noncurrent assets plus other real estate owned to assets | 4.6769% | 1,370 |
| Noncurrent loans to loans | 5.4435% | 1,205 |
| Net loans and leases to total assets | 42.0099% | 6,611 |
| Net loans and leases to deposits | 62.9420% | 5,392 |
| Net loans and leases to core deposits | 72.6314% | 4,704 |
| Total domestic deposits to total assets | 66.7437% | 7,307 |
| Equity capital to assets | 10.4964% | 3,178 |
| Core capital (leverage) ratio | 9.1717% | 4,333 |
| Tier 1 risk-based capital ratio | 17.6286% | 2,237 |
| Total risk-based capital ratio | 22.6160% | 1,307 |
| Memoranda: | ||
| Average total assets | $207,393,500 | 3,019 |
| Average earning assets | $170,486,500 | 3,296 |
| Average equity | $21,664,500 | 2,906 |
| Average total loans | $90,604,000 | 3,961 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2279% | 3,475 |
| Cost of funding earning assets | 1.7714% | 1,291 |
| Net interest margin | 3.4565% | 5,409 |
| Noninterest income to average assets | 0.7106% | 2,782 |
| Noninterest expense to average assets | 3.2258% | 2,997 |
| Loan and lease loss provision to assets | 0.8706% | 1,875 |
| Net operating income to assets | -0.3656% | 6,279 |
| Return on assets (ROA) | -0.3506% | 6,290 |
| Pretax return on assets | -0.5153% | 6,332 |
| Return on Equity (ROE) | -3.3323% | 6,306 |
| Retained earnings to average equity (ytd only) | -3.3323% | 6,134 |
| Net charge-offs to loans | 1.5966% | 1,364 |
| Credit loss provision to net charge-offs | 113.2884% | 3,842 |
| Earnings coverage of net charge-offs (x) | 0.4336% | 5,677 |
| Efficiency ratio | 90.6386% | 1,273 |
| Assets per employee ($millions) | 4.4754% | 2,916 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7662% | 2,973 |
| Loan loss allowance to noncurrent loans | 37.7617% | 5,792 |
| Noncurrent assets plus other real estate owned to assets | 4.5418% | 1,468 |
| Noncurrent loans to loans | 4.6773% | 1,490 |
| Net loans and leases to total assets | 43.8477% | 6,727 |
| Net loans and leases to deposits | 63.6214% | 5,667 |
| Net loans and leases to core deposits | 73.4860% | 5,042 |
| Total domestic deposits to total assets | 68.9197% | 7,289 |
| Equity capital to assets | 10.3951% | 3,275 |
| Core capital (leverage) ratio | 9.1962% | 4,173 |
| Tier 1 risk-based capital ratio | 17.1779% | 2,282 |
| Total risk-based capital ratio | 22.1091% | 1,316 |
| Memoranda: | ||
| Average total assets | $212,508,600 | 2,954 |
| Average earning assets | $175,119,000 | 3,187 |
| Average equity | $22,357,200 | 2,838 |
| Average total loans | $102,279,600 | 3,734 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2548% | 3,554 |
| Cost of funding earning assets | 1.8416% | 1,253 |
| Net interest margin | 3.4132% | 5,624 |
| Noninterest income to average assets | 0.7302% | 2,640 |
| Noninterest expense to average assets | 2.7255% | 4,774 |
| Loan and lease loss provision to assets | 0.3536% | 3,785 |
| Net operating income to assets | 0.2633% | 5,307 |
| Return on assets (ROA) | 0.2820% | 5,395 |
| Pretax return on assets | 0.4968% | 4,939 |
| Return on Equity (ROE) | 2.6729% | 5,358 |
| Retained earnings to average equity (ytd only) | 2.6729% | 4,550 |
| Net charge-offs to loans | 0.1665% | 4,984 |
| Credit loss provision to net charge-offs | 433.5878% | 697 |
| Earnings coverage of net charge-offs (x) | 10.0688% | 1,922 |
| Efficiency ratio | 76.8475% | 2,784 |
| Assets per employee ($millions) | 4.6886% | 2,612 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1654% | 1,868 |
| Loan loss allowance to noncurrent loans | 37.8044% | 5,818 |
| Noncurrent assets plus other real estate owned to assets | 4.7922% | 1,375 |
| Noncurrent loans to loans | 5.7279% | 1,135 |
| Net loans and leases to total assets | 45.8687% | 6,707 |
| Net loans and leases to deposits | 69.5089% | 5,214 |
| Net loans and leases to core deposits | 81.7575% | 4,275 |
| Total domestic deposits to total assets | 65.9897% | 7,471 |
| Equity capital to assets | 10.7622% | 3,212 |
| Core capital (leverage) ratio | 9.8482% | 3,435 |
| Tier 1 risk-based capital ratio | 17.4978% | 2,175 |
| Total risk-based capital ratio | 22.1581% | 1,350 |
| Memoranda: | ||
| Average total assets | $214,169,000 | 2,987 |
| Average earning assets | $176,721,500 | 3,207 |
| Average equity | $22,596,500 | 2,856 |
| Average total loans | $104,876,750 | 3,711 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2388% | 3,767 |
| Cost of funding earning assets | 1.8732% | 1,328 |
| Net interest margin | 3.3656% | 5,774 |
| Noninterest income to average assets | 0.7713% | 2,278 |
| Noninterest expense to average assets | 2.7283% | 4,798 |
| Loan and lease loss provision to assets | 0.3884% | 3,389 |
| Net operating income to assets | 0.2779% | 5,268 |
| Return on assets (ROA) | 0.3057% | 5,316 |
| Pretax return on assets | 0.4739% | 4,990 |
| Return on Equity (ROE) | 2.9167% | 5,266 |
| Retained earnings to average equity (ytd only) | 2.9167% | 4,277 |
| Net charge-offs to loans | 0.2283% | 4,230 |
| Credit loss provision to net charge-offs | 342.6230% | 1,064 |
| Earnings coverage of net charge-offs (x) | 7.2295% | 2,338 |
| Efficiency ratio | 76.8989% | 2,914 |
| Assets per employee ($millions) | 4.6261% | 2,691 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8651% | 2,525 |
| Loan loss allowance to noncurrent loans | 53.3156% | 4,743 |
| Noncurrent assets plus other real estate owned to assets | 3.9002% | 1,774 |
| Noncurrent loans to loans | 3.4983% | 2,262 |
| Net loans and leases to total assets | 48.4471% | 6,597 |
| Net loans and leases to deposits | 69.6418% | 5,334 |
| Net loans and leases to core deposits | 80.6579% | 4,604 |
| Total domestic deposits to total assets | 69.5661% | 7,355 |
| Equity capital to assets | 10.4275% | 3,496 |
| Core capital (leverage) ratio | 9.5001% | 3,821 |
| Tier 1 risk-based capital ratio | 16.4437% | 2,497 |
| Total risk-based capital ratio | 20.9158% | 1,546 |
| Memoranda: | ||
| Average total assets | $215,229,000 | 2,996 |
| Average earning assets | $177,558,670 | 3,223 |
| Average equity | $22,559,670 | 2,851 |
| Average total loans | $106,862,330 | 3,700 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3185% | 3,455 |
| Cost of funding earning assets | 1.8969% | 1,461 |
| Net interest margin | 3.4217% | 5,493 |
| Noninterest income to average assets | 0.8126% | 1,955 |
| Noninterest expense to average assets | 2.7628% | 4,640 |
| Loan and lease loss provision to assets | 0.2802% | 3,789 |
| Net operating income to assets | 0.3745% | 4,951 |
| Return on assets (ROA) | 0.4259% | 4,867 |
| Pretax return on assets | 0.6669% | 4,350 |
| Return on Equity (ROE) | 4.0527% | 4,874 |
| Retained earnings to average equity (ytd only) | 4.0527% | 3,723 |
| Net charge-offs to loans | -0.0675% | 7,436 |
| Credit loss provision to net charge-offs | -833.3333% | 6,356 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1194% | 3,191 |
| Assets per employee ($millions) | 4.4650% | 3,014 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7901% | 2,765 |
| Loan loss allowance to noncurrent loans | 132.3446% | 2,114 |
| Noncurrent assets plus other real estate owned to assets | 3.0436% | 2,350 |
| Noncurrent loans to loans | 1.3526% | 4,717 |
| Net loans and leases to total assets | 47.9703% | 6,678 |
| Net loans and leases to deposits | 70.7953% | 5,229 |
| Net loans and leases to core deposits | 82.9295% | 4,353 |
| Total domestic deposits to total assets | 67.7593% | 7,540 |
| Equity capital to assets | 10.5509% | 3,194 |
| Core capital (leverage) ratio | 9.5930% | 3,652 |
| Tier 1 risk-based capital ratio | 16.3660% | 2,496 |
| Total risk-based capital ratio | 20.8377% | 1,571 |
| Memoranda: | ||
| Average total assets | $214,131,000 | 3,055 |
| Average earning assets | $176,289,000 | 3,305 |
| Average equity | $22,503,500 | 2,877 |
| Average total loans | $106,624,500 | 3,762 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6419% | 3,389 |
| Cost of funding earning assets | 2.3711% | 1,387 |
| Net interest margin | 3.2707% | 5,854 |
| Noninterest income to average assets | 0.8135% | 2,341 |
| Noninterest expense to average assets | 2.9879% | 4,196 |
| Loan and lease loss provision to assets | 0.2783% | 5,191 |
| Net operating income to assets | 0.1919% | 4,922 |
| Return on assets (ROA) | 0.2319% | 4,863 |
| Pretax return on assets | 0.3296% | 4,691 |
| Return on Equity (ROE) | 2.7384% | 4,612 |
| Retained earnings to average equity (ytd only) | 2.7384% | 3,237 |
| Net charge-offs to loans | 1.4017% | 1,790 |
| Credit loss provision to net charge-offs | 33.5097% | 6,878 |
| Earnings coverage of net charge-offs (x) | 0.6631% | 5,431 |
| Efficiency ratio | 84.4349% | 2,298 |
| Assets per employee ($millions) | 4.3661% | 3,168 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5714% | 3,395 |
| Loan loss allowance to noncurrent loans | 132.1456% | 2,158 |
| Noncurrent assets plus other real estate owned to assets | 2.9658% | 2,364 |
| Noncurrent loans to loans | 1.1892% | 4,954 |
| Net loans and leases to total assets | 49.9476% | 6,649 |
| Net loans and leases to deposits | 80.5892% | 3,875 |
| Net loans and leases to core deposits | 94.2701% | 4,647 |
| Total domestic deposits to total assets | 61.9781% | 7,761 |
| Equity capital to assets | 10.4674% | 3,220 |
| Core capital (leverage) ratio | 9.5030% | 3,718 |
| Tier 1 risk-based capital ratio | 15.7930% | 2,608 |
| Total risk-based capital ratio | 20.1845% | 1,634 |
| Memoranda: | ||
| Average total assets | $204,793,800 | 3,122 |
| Average earning assets | $170,634,800 | 3,337 |
| Average equity | $17,345,800 | 3,603 |
| Average total loans | $121,356,800 | 3,456 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7020% | 3,329 |
| Cost of funding earning assets | 2.5343% | 1,193 |
| Net interest margin | 3.1677% | 6,122 |
| Noninterest income to average assets | 0.9303% | 1,859 |
| Noninterest expense to average assets | 2.7080% | 5,288 |
| Loan and lease loss provision to assets | 0.2963% | 4,598 |
| Net operating income to assets | 0.3829% | 4,465 |
| Return on assets (ROA) | 0.4332% | 4,365 |
| Pretax return on assets | 0.6452% | 4,037 |
| Return on Equity (ROE) | 5.4546% | 3,760 |
| Retained earnings to average equity (ytd only) | 5.4546% | 2,229 |
| Net charge-offs to loans | 1.2749% | 1,613 |
| Credit loss provision to net charge-offs | 37.7834% | 6,444 |
| Earnings coverage of net charge-offs (x) | 1.1050% | 4,957 |
| Efficiency ratio | 75.7598% | 3,553 |
| Assets per employee ($millions) | 4.3029% | 3,206 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8668% | 2,110 |
| Loan loss allowance to noncurrent loans | 210.0200% | 1,410 |
| Noncurrent assets plus other real estate owned to assets | 3.2590% | 2,078 |
| Noncurrent loans to loans | 0.8888% | 5,507 |
| Net loans and leases to total assets | 53.3483% | 6,458 |
| Net loans and leases to deposits | 73.3147% | 5,470 |
| Net loans and leases to core deposits | 88.9240% | 5,538 |
| Total domestic deposits to total assets | 72.7661% | 7,108 |
| Equity capital to assets | 8.3961% | 6,390 |
| Core capital (leverage) ratio | 7.1709% | 7,289 |
| Tier 1 risk-based capital ratio | 11.4600% | 5,472 |
| Total risk-based capital ratio | 15.8479% | 3,172 |
| Memoranda: | ||
| Average total assets | $202,507,250 | 3,177 |
| Average earning assets | $169,034,500 | 3,385 |
| Average equity | $16,083,750 | 3,894 |
| Average total loans | $124,555,000 | 3,417 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7540% | 3,277 |
| Cost of funding earning assets | 2.6554% | 1,149 |
| Net interest margin | 3.0986% | 6,246 |
| Noninterest income to average assets | 0.9833% | 1,651 |
| Noninterest expense to average assets | 2.7311% | 5,252 |
| Loan and lease loss provision to assets | 0.2983% | 4,177 |
| Net operating income to assets | 0.3796% | 4,585 |
| Return on assets (ROA) | 0.4454% | 4,417 |
| Pretax return on assets | 0.6492% | 4,162 |
| Return on Equity (ROE) | 5.7199% | 3,776 |
| Retained earnings to average equity (ytd only) | 5.7199% | 2,149 |
| Net charge-offs to loans | 0.9390% | 1,843 |
| Credit loss provision to net charge-offs | 49.6689% | 5,771 |
| Earnings coverage of net charge-offs (x) | 1.4189% | 4,466 |
| Efficiency ratio | 76.2209% | 3,646 |
| Assets per employee ($millions) | 4.2156% | 3,262 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1177% | 1,360 |
| Loan loss allowance to noncurrent loans | 260.3289% | 1,188 |
| Noncurrent assets plus other real estate owned to assets | 2.0860% | 3,076 |
| Noncurrent loans to loans | 0.8135% | 5,598 |
| Net loans and leases to total assets | 57.8579% | 5,984 |
| Net loans and leases to deposits | 85.6564% | 3,609 |
| Net loans and leases to core deposits | 106.2107% | 3,814 |
| Total domestic deposits to total assets | 67.5465% | 7,651 |
| Equity capital to assets | 7.9975% | 6,755 |
| Core capital (leverage) ratio | 7.1819% | 7,376 |
| Tier 1 risk-based capital ratio | 10.8181% | 6,059 |
| Total risk-based capital ratio | 15.0799% | 3,551 |
| Memoranda: | ||
| Average total assets | $201,164,000 | 3,211 |
| Average earning assets | $168,788,000 | 3,415 |
| Average equity | $15,664,670 | 3,988 |
| Average total loans | $128,646,670 | 3,358 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9457% | 2,578 |
| Cost of funding earning assets | 2.7485% | 1,116 |
| Net interest margin | 3.1972% | 5,865 |
| Noninterest income to average assets | 0.8197% | 2,234 |
| Noninterest expense to average assets | 2.6325% | 5,311 |
| Loan and lease loss provision to assets | 0.2991% | 3,553 |
| Net operating income to assets | 0.4003% | 4,859 |
| Return on assets (ROA) | 0.5305% | 4,483 |
| Pretax return on assets | 0.7798% | 4,152 |
| Return on Equity (ROE) | 6.9066% | 3,630 |
| Retained earnings to average equity (ytd only) | 6.9066% | 2,247 |
| Net charge-offs to loans | 0.5136% | 2,179 |
| Credit loss provision to net charge-offs | 87.7193% | 4,047 |
| Earnings coverage of net charge-offs (x) | 2.6023% | 3,456 |
| Efficiency ratio | 74.7875% | 3,694 |
| Assets per employee ($millions) | 4.0620% | 3,534 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1671% | 1,120 |
| Loan loss allowance to noncurrent loans | 207.2112% | 1,610 |
| Noncurrent assets plus other real estate owned to assets | 1.2740% | 4,130 |
| Noncurrent loans to loans | 1.0459% | 4,891 |
| Net loans and leases to total assets | 65.2003% | 4,769 |
| Net loans and leases to deposits | 91.6295% | 2,664 |
| Net loans and leases to core deposits | 108.8082% | 3,583 |
| Total domestic deposits to total assets | 71.1565% | 7,313 |
| Equity capital to assets | 8.1913% | 6,546 |
| Core capital (leverage) ratio | 7.3267% | 7,350 |
| Tier 1 risk-based capital ratio | 10.1640% | 6,749 |
| Total risk-based capital ratio | 14.2643% | 4,097 |
| Memoranda: | ||
| Average total assets | $200,570,500 | 3,239 |
| Average earning assets | $169,399,500 | 3,433 |
| Average equity | $15,405,500 | 4,058 |
| Average total loans | $133,165,500 | 3,300 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3584% | 3,652 |
| Cost of funding earning assets | 2.9806% | 1,934 |
| Net interest margin | 3.3778% | 5,753 |
| Noninterest income to average assets | 0.6533% | 3,450 |
| Noninterest expense to average assets | 2.5751% | 5,736 |
| Loan and lease loss provision to assets | 4.2547% | 147 |
| Net operating income to assets | -1.8895% | 7,582 |
| Return on assets (ROA) | -1.8805% | 7,535 |
| Pretax return on assets | -3.1920% | 7,755 |
| Return on Equity (ROE) | -23.5595% | 7,838 |
| Retained earnings to average equity (ytd only) | -29.6061% | 7,901 |
| Net charge-offs to loans | 0.3556% | 3,050 |
| Credit loss provision to net charge-offs | 1,908.8583% | 235 |
| Earnings coverage of net charge-offs (x) | 4.7047% | 3,895 |
| Efficiency ratio | 71.0619% | 4,121 |
| Assets per employee ($millions) | 4.2074% | 3,105 |
| Cash dividends to net income (ytd only)* | -25.6650% | 7,971 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0808% | 1,101 |
| Loan loss allowance to noncurrent loans | 255.4455% | 1,558 |
| Noncurrent assets plus other real estate owned to assets | 1.1544% | 3,961 |
| Noncurrent loans to loans | 0.8146% | 5,011 |
| Net loans and leases to total assets | 64.7792% | 5,110 |
| Net loans and leases to deposits | 92.1125% | 3,116 |
| Net loans and leases to core deposits | 116.6505% | 3,047 |
| Total domestic deposits to total assets | 70.3262% | 7,242 |
| Equity capital to assets | 7.1981% | 7,629 |
| Core capital (leverage) ratio | 6.9398% | 7,732 |
| Tier 1 risk-based capital ratio | 10.1115% | 6,620 |
| Total risk-based capital ratio | 14.2031% | 4,063 |
| Memoranda: | ||
| Average total assets | $227,913,800 | 2,795 |
| Average earning assets | $200,428,800 | 2,890 |
| Average equity | $18,192,200 | 3,527 |
| Average total loans | $142,842,400 | 3,042 |