Home > Valley Central Bank > Performance and Condition Ratios
Valley Central Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6917% | 2,700 |
| Cost of funding earning assets | 1.2315% | 2,723 |
| Net interest margin | 3.4603% | 2,274 |
| Noninterest income to average assets | 0.3000% | 3,118 |
| Noninterest expense to average assets | 3.3728% | 685 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.0943% | 4,257 |
| Return on assets (ROA) | 0.0984% | 4,279 |
| Pretax return on assets | 0.1047% | 4,274 |
| Return on Equity (ROE) | 0.4400% | 4,308 |
| Retained earnings to average equity (ytd only) | 0.4361% | 3,966 |
| Net charge-offs to loans | -0.0007% | 3,579 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 96.3946% | 249 |
| Assets per employee ($millions) | 5.6066% | 3,153 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2232% | 2,158 |
| Loan loss allowance to noncurrent loans | 2,112.0482% | 514 |
| Noncurrent assets plus other real estate owned to assets | 0.0493% | 3,268 |
| Noncurrent loans to loans | 0.0579% | 3,305 |
| Net loans and leases to total assets | 84.1600% | 260 |
| Net loans and leases to deposits | 120.7875% | 80 |
| Net loans and leases to core deposits | 138.2897% | 293 |
| Total domestic deposits to total assets | 69.6800% | 4,299 |
| Equity capital to assets | 21.6113% | 251 |
| Core capital (leverage) ratio | 21.6960% | 215 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $160,518,000 | 3,270 |
| Average earning assets | $147,301,200 | 3,272 |
| Average equity | $36,234,200 | 2,011 |
| Average total loans | $134,023,000 | 2,825 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5968% | 2,684 |
| Cost of funding earning assets | 1.0702% | 2,831 |
| Net interest margin | 3.5266% | 2,158 |
| Noninterest income to average assets | 0.3100% | 3,041 |
| Noninterest expense to average assets | 3.3997% | 624 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.1276% | 4,293 |
| Return on assets (ROA) | 0.1328% | 4,306 |
| Pretax return on assets | 0.1505% | 4,303 |
| Return on Equity (ROE) | 0.5800% | 4,350 |
| Retained earnings to average equity (ytd only) | 0.5819% | 4,034 |
| Net charge-offs to loans | -0.0010% | 3,486 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 95.2087% | 241 |
| Assets per employee ($millions) | 5.5037% | 3,177 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2419% | 2,160 |
| Loan loss allowance to noncurrent loans | 1,116.5605% | 811 |
| Noncurrent assets plus other real estate owned to assets | 0.0951% | 2,946 |
| Noncurrent loans to loans | 0.1112% | 3,022 |
| Net loans and leases to total assets | 84.4300% | 252 |
| Net loans and leases to deposits | 122.6614% | 65 |
| Net loans and leases to core deposits | 138.1302% | 240 |
| Total domestic deposits to total assets | 68.8300% | 4,353 |
| Equity capital to assets | 21.8306% | 246 |
| Core capital (leverage) ratio | 22.2635% | 202 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $158,597,750 | 3,302 |
| Average earning assets | $145,517,500 | 3,301 |
| Average equity | $36,205,250 | 1,999 |
| Average total loans | $131,699,750 | 2,849 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4931% | 2,655 |
| Cost of funding earning assets | 0.8730% | 3,017 |
| Net interest margin | 3.6202% | 1,989 |
| Noninterest income to average assets | 0.2900% | 3,156 |
| Noninterest expense to average assets | 3.4802% | 550 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.1148% | 4,353 |
| Return on assets (ROA) | 0.1227% | 4,376 |
| Pretax return on assets | 0.1381% | 4,369 |
| Return on Equity (ROE) | 0.5300% | 4,401 |
| Retained earnings to average equity (ytd only) | 0.5295% | 3,982 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 96.4222% | 214 |
| Assets per employee ($millions) | 5.3291% | 3,301 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3018% | 1,925 |
| Loan loss allowance to noncurrent loans | 1,990.9091% | 560 |
| Noncurrent assets plus other real estate owned to assets | 0.0550% | 3,226 |
| Noncurrent loans to loans | 0.0654% | 3,236 |
| Net loans and leases to total assets | 83.0800% | 326 |
| Net loans and leases to deposits | 118.5837% | 102 |
| Net loans and leases to core deposits | 131.8157% | 303 |
| Total domestic deposits to total assets | 70.0600% | 4,362 |
| Equity capital to assets | 22.5975% | 218 |
| Core capital (leverage) ratio | 22.9680% | 189 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $156,426,333 | 3,334 |
| Average earning assets | $143,418,667 | 3,330 |
| Average equity | $36,258,667 | 2,008 |
| Average total loans | $128,548,333 | 2,867 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3805% | 2,603 |
| Cost of funding earning assets | 0.6407% | 3,260 |
| Net interest margin | 3.7398% | 1,811 |
| Noninterest income to average assets | 0.2600% | 3,365 |
| Noninterest expense to average assets | 3.5138% | 528 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.1499% | 4,403 |
| Return on assets (ROA) | 0.1655% | 4,360 |
| Pretax return on assets | 0.1913% | 4,346 |
| Return on Equity (ROE) | 0.7000% | 4,397 |
| Retained earnings to average equity (ytd only) | 0.7048% | 3,909 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 95.3015% | 229 |
| Assets per employee ($millions) | 5.3662% | 3,350 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3564% | 1,788 |
| Loan loss allowance to noncurrent loans | 1,925.2747% | 611 |
| Noncurrent assets plus other real estate owned to assets | 0.0585% | 3,203 |
| Noncurrent loans to loans | 0.0705% | 3,228 |
| Net loans and leases to total assets | 81.8700% | 385 |
| Net loans and leases to deposits | 115.0572% | 122 |
| Net loans and leases to core deposits | 123.4888% | 373 |
| Total domestic deposits to total assets | 71.1600% | 4,385 |
| Equity capital to assets | 23.2192% | 173 |
| Core capital (leverage) ratio | 23.8801% | 178 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $154,703,500 | 3,383 |
| Average earning assets | $141,718,000 | 3,394 |
| Average equity | $36,324,500 | 2,031 |
| Average total loans | $125,532,500 | 2,928 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6582% | 2,171 |
| Cost of funding earning assets | 0.2358% | 2,863 |
| Net interest margin | 3.4224% | 1,908 |
| Noninterest income to average assets | 0.4000% | 2,735 |
| Noninterest expense to average assets | 3.6520% | 422 |
| Loan and lease loss provision to assets | -0.0400% | 4,466 |
| Net operating income to assets | -0.0366% | 4,611 |
| Return on assets (ROA) | -0.0407% | 4,588 |
| Pretax return on assets | -0.0702% | 4,587 |
| Return on Equity (ROE) | -0.1700% | 4,564 |
| Retained earnings to average equity (ytd only) | -0.1705% | 4,362 |
| Net charge-offs to loans | -0.0583% | 4,345 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 103.0555% | 135 |
| Assets per employee ($millions) | 4.6361% | 3,952 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9106% | 3,823 |
| Loan loss allowance to noncurrent loans | 809.3750% | 1,139 |
| Noncurrent assets plus other real estate owned to assets | 0.0837% | 3,084 |
| Noncurrent loans to loans | 0.1125% | 3,084 |
| Net loans and leases to total assets | 73.6800% | 1,125 |
| Net loans and leases to deposits | 99.5057% | 383 |
| Net loans and leases to core deposits | 113.2077% | 384 |
| Total domestic deposits to total assets | 74.0500% | 4,454 |
| Equity capital to assets | 23.7674% | 153 |
| Core capital (leverage) ratio | 24.3375% | 160 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $153,920,000 | 3,430 |
| Average earning assets | $141,341,250 | 3,433 |
| Average equity | $36,759,250 | 2,078 |
| Average total loans | $109,819,000 | 3,038 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4819% | 2,188 |
| Cost of funding earning assets | 0.2271% | 2,548 |
| Net interest margin | 3.2548% | 2,040 |
| Noninterest income to average assets | 0.5006% | 2,202 |
| Noninterest expense to average assets | 3.6802% | 361 |
| Loan and lease loss provision to assets | -0.0648% | 4,546 |
| Net operating income to assets | -0.0839% | 4,613 |
| Return on assets (ROA) | -0.0921% | 4,584 |
| Pretax return on assets | -0.1336% | 4,581 |
| Return on Equity (ROE) | -0.3849% | 4,563 |
| Retained earnings to average equity (ytd only) | -0.3849% | 4,225 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.3843% | 138 |
| Assets per employee ($millions) | 4.6585% | 3,964 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8963% | 3,962 |
| Loan loss allowance to noncurrent loans | 743.6090% | 1,155 |
| Noncurrent assets plus other real estate owned to assets | 0.0865% | 3,118 |
| Noncurrent loans to loans | 0.1205% | 3,128 |
| Net loans and leases to total assets | 71.1351% | 1,193 |
| Net loans and leases to deposits | 96.1997% | 426 |
| Net loans and leases to core deposits | 107.7834% | 402 |
| Total domestic deposits to total assets | 73.9452% | 4,533 |
| Equity capital to assets | 23.8314% | 108 |
| Core capital (leverage) ratio | 23.8416% | 114 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $154,229,667 | 3,458 |
| Average earning assets | $141,761,667 | 3,479 |
| Average equity | $36,891,667 | 2,118 |
| Average total loans | $108,503,333 | 3,085 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3834% | 2,135 |
| Cost of funding earning assets | 0.2362% | 2,305 |
| Net interest margin | 3.1472% | 2,033 |
| Noninterest income to average assets | 0.4946% | 2,168 |
| Noninterest expense to average assets | 3.6510% | 366 |
| Loan and lease loss provision to assets | -0.1295% | 4,625 |
| Net operating income to assets | -0.0912% | 4,590 |
| Return on assets (ROA) | -0.0932% | 4,572 |
| Pretax return on assets | -0.1321% | 4,592 |
| Return on Equity (ROE) | -0.3890% | 4,554 |
| Retained earnings to average equity (ytd only) | -0.3890% | 4,070 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.6336% | 147 |
| Assets per employee ($millions) | 4.1898% | 4,310 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9089% | 4,021 |
| Loan loss allowance to noncurrent loans | 721.8978% | 1,154 |
| Noncurrent assets plus other real estate owned to assets | 0.0884% | 3,193 |
| Noncurrent loans to loans | 0.1259% | 3,190 |
| Net loans and leases to total assets | 69.5527% | 1,059 |
| Net loans and leases to deposits | 93.1620% | 399 |
| Net loans and leases to core deposits | 100.3705% | 500 |
| Total domestic deposits to total assets | 74.6578% | 4,555 |
| Equity capital to assets | 23.7508% | 98 |
| Core capital (leverage) ratio | 24.0898% | 101 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $154,479,500 | 3,475 |
| Average earning assets | $142,223,500 | 3,488 |
| Average equity | $37,019,500 | 2,175 |
| Average total loans | $107,582,500 | 3,094 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6847% | 2,163 |
| Cost of funding earning assets | 0.3181% | 2,214 |
| Net interest margin | 3.3666% | 2,124 |
| Noninterest income to average assets | 1.1331% | 818 |
| Noninterest expense to average assets | 4.2386% | 245 |
| Loan and lease loss provision to assets | -0.0323% | 4,282 |
| Net operating income to assets | 0.1106% | 4,615 |
| Return on assets (ROA) | 0.0918% | 4,635 |
| Pretax return on assets | 0.0019% | 4,689 |
| Return on Equity (ROE) | 0.3813% | 4,668 |
| Retained earnings to average equity (ytd only) | 0.3813% | 4,397 |
| Net charge-offs to loans | 0.0397% | 1,466 |
| Credit loss provision to net charge-offs | -108.6957% | 3,376 |
| Earnings coverage of net charge-offs (x) | -0.3913% | 2,653 |
| Efficiency ratio | 100.2754% | 144 |
| Assets per employee ($millions) | 4.0510% | 4,408 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9769% | 3,838 |
| Loan loss allowance to noncurrent loans | 742.1429% | 1,075 |
| Noncurrent assets plus other real estate owned to assets | 0.0909% | 3,302 |
| Noncurrent loans to loans | 0.1316% | 3,274 |
| Net loans and leases to total assets | 68.4144% | 1,220 |
| Net loans and leases to deposits | 92.3071% | 449 |
| Net loans and leases to core deposits | 101.3931% | 478 |
| Total domestic deposits to total assets | 74.1160% | 4,583 |
| Equity capital to assets | 24.1787% | 105 |
| Core capital (leverage) ratio | 23.9638% | 104 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $154,626,200 | 3,446 |
| Average earning assets | $142,101,800 | 3,454 |
| Average equity | $37,245,000 | 2,186 |
| Average total loans | $115,757,400 | 2,988 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7490% | 2,148 |
| Cost of funding earning assets | 0.3295% | 2,307 |
| Net interest margin | 3.4196% | 2,100 |
| Noninterest income to average assets | 1.3195% | 677 |
| Noninterest expense to average assets | 4.4237% | 220 |
| Loan and lease loss provision to assets | -0.0433% | 4,436 |
| Net operating income to assets | 0.1869% | 4,639 |
| Return on assets (ROA) | 0.1619% | 4,675 |
| Pretax return on assets | 0.0517% | 4,736 |
| Return on Equity (ROE) | 0.6729% | 4,716 |
| Retained earnings to average equity (ytd only) | 0.6729% | 4,471 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.2464% | 165 |
| Assets per employee ($millions) | 4.0511% | 4,418 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9557% | 3,989 |
| Loan loss allowance to noncurrent loans | 574.0741% | 1,232 |
| Noncurrent assets plus other real estate owned to assets | 0.1228% | 3,296 |
| Noncurrent loans to loans | 0.1665% | 3,289 |
| Net loans and leases to total assets | 73.0452% | 772 |
| Net loans and leases to deposits | 98.7122% | 257 |
| Net loans and leases to core deposits | 107.7150% | 372 |
| Total domestic deposits to total assets | 73.9982% | 4,637 |
| Equity capital to assets | 24.2414% | 108 |
| Core capital (leverage) ratio | 23.9535% | 110 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $154,798,500 | 3,475 |
| Average earning assets | $142,042,000 | 3,488 |
| Average equity | $37,251,250 | 2,215 |
| Average total loans | $118,108,250 | 3,008 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7875% | 2,104 |
| Cost of funding earning assets | 0.3496% | 2,320 |
| Net interest margin | 3.4380% | 2,041 |
| Noninterest income to average assets | 1.4882% | 549 |
| Noninterest expense to average assets | 4.4608% | 224 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.1433% | 4,669 |
| Return on assets (ROA) | 0.1251% | 4,708 |
| Pretax return on assets | 0.1509% | 4,700 |
| Return on Equity (ROE) | 0.5211% | 4,753 |
| Retained earnings to average equity (ytd only) | 0.5211% | 4,432 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.2705% | 214 |
| Assets per employee ($millions) | 4.0373% | 4,425 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9917% | 3,848 |
| Loan loss allowance to noncurrent loans | 587.5648% | 1,126 |
| Noncurrent assets plus other real estate owned to assets | 0.1226% | 3,418 |
| Noncurrent loans to loans | 0.1688% | 3,371 |
| Net loans and leases to total assets | 71.9039% | 981 |
| Net loans and leases to deposits | 96.2934% | 374 |
| Net loans and leases to core deposits | 107.0418% | 438 |
| Total domestic deposits to total assets | 74.6717% | 4,632 |
| Equity capital to assets | 23.6485% | 109 |
| Core capital (leverage) ratio | 23.5803% | 109 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $155,083,667 | 3,480 |
| Average earning assets | $141,886,667 | 3,493 |
| Average equity | $37,229,000 | 2,204 |
| Average total loans | $119,633,333 | 3,010 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8193% | 2,050 |
| Cost of funding earning assets | 0.3774% | 2,291 |
| Net interest margin | 3.4419% | 1,987 |
| Noninterest income to average assets | 1.8662% | 416 |
| Noninterest expense to average assets | 4.6343% | 198 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.3093% | 4,503 |
| Return on assets (ROA) | 0.2989% | 4,554 |
| Pretax return on assets | 0.3717% | 4,526 |
| Return on Equity (ROE) | 1.2357% | 4,689 |
| Retained earnings to average equity (ytd only) | 1.2357% | 4,171 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.3356% | 318 |
| Assets per employee ($millions) | 3.9521% | 4,507 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9609% | 3,988 |
| Loan loss allowance to noncurrent loans | 575.6345% | 1,055 |
| Noncurrent assets plus other real estate owned to assets | 0.1278% | 3,536 |
| Noncurrent loans to loans | 0.1669% | 3,509 |
| Net loans and leases to total assets | 75.8318% | 642 |
| Net loans and leases to deposits | 102.3996% | 232 |
| Net loans and leases to core deposits | 114.2108% | 319 |
| Total domestic deposits to total assets | 74.0547% | 4,669 |
| Equity capital to assets | 24.1858% | 104 |
| Core capital (leverage) ratio | 24.1005% | 109 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $153,897,500 | 3,491 |
| Average earning assets | $140,968,500 | 3,504 |
| Average equity | $37,225,500 | 2,194 |
| Average total loans | $122,274,500 | 2,995 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7743% | 768 |
| Cost of funding earning assets | 0.6137% | 2,217 |
| Net interest margin | 4.1605% | 702 |
| Noninterest income to average assets | 1.7459% | 411 |
| Noninterest expense to average assets | 4.5925% | 240 |
| Loan and lease loss provision to assets | 0.1293% | 2,742 |
| Net operating income to assets | 0.6629% | 3,548 |
| Return on assets (ROA) | 0.6541% | 3,710 |
| Pretax return on assets | 0.8209% | 3,579 |
| Return on Equity (ROE) | 2.7568% | 4,432 |
| Retained earnings to average equity (ytd only) | 2.7568% | 3,483 |
| Net charge-offs to loans | 0.0075% | 3,066 |
| Credit loss provision to net charge-offs | 2,000.0000% | 444 |
| Earnings coverage of net charge-offs (x) | 148.7000% | 581 |
| Efficiency ratio | 82.6932% | 706 |
| Assets per employee ($millions) | 3.9401% | 4,415 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8962% | 4,192 |
| Loan loss allowance to noncurrent loans | 564.1791% | 1,032 |
| Noncurrent assets plus other real estate owned to assets | 0.1308% | 3,633 |
| Noncurrent loans to loans | 0.1589% | 3,644 |
| Net loans and leases to total assets | 81.6072% | 323 |
| Net loans and leases to deposits | 113.4267% | 124 |
| Net loans and leases to core deposits | 126.9822% | 228 |
| Total domestic deposits to total assets | 71.9471% | 4,713 |
| Equity capital to assets | 24.1912% | 108 |
| Core capital (leverage) ratio | 23.8000% | 108 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $154,709,000 | 3,346 |
| Average earning assets | $141,592,800 | 3,364 |
| Average equity | $36,708,800 | 2,142 |
| Average total loans | $133,923,000 | 2,816 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6050% | 1,288 |
| Cost of funding earning assets | 0.6085% | 2,562 |
| Net interest margin | 3.9964% | 1,123 |
| Noninterest income to average assets | 1.6605% | 431 |
| Noninterest expense to average assets | 4.2820% | 303 |
| Loan and lease loss provision to assets | 0.1291% | 2,734 |
| Net operating income to assets | 0.7190% | 3,394 |
| Return on assets (ROA) | 0.7021% | 3,554 |
| Pretax return on assets | 0.8836% | 3,423 |
| Return on Equity (ROE) | 2.9732% | 4,392 |
| Retained earnings to average equity (ytd only) | 2.9732% | 3,529 |
| Net charge-offs to loans | 0.0108% | 2,720 |
| Credit loss provision to net charge-offs | 1,363.6364% | 667 |
| Earnings coverage of net charge-offs (x) | 109.2727% | 744 |
| Efficiency ratio | 80.5470% | 839 |
| Assets per employee ($millions) | 3.9816% | 4,323 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8117% | 4,339 |
| Loan loss allowance to noncurrent loans | 510.8491% | 1,038 |
| Noncurrent assets plus other real estate owned to assets | 0.1365% | 3,735 |
| Noncurrent loans to loans | 0.1589% | 3,745 |
| Net loans and leases to total assets | 85.2251% | 194 |
| Net loans and leases to deposits | 117.9068% | 130 |
| Net loans and leases to core deposits | 135.1591% | 190 |
| Total domestic deposits to total assets | 72.2818% | 4,676 |
| Equity capital to assets | 23.8312% | 110 |
| Core capital (leverage) ratio | 23.6391% | 114 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $154,970,500 | 3,317 |
| Average earning assets | $141,756,750 | 3,351 |
| Average equity | $36,592,750 | 2,135 |
| Average total loans | $135,770,250 | 2,802 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7544% | 1,269 |
| Cost of funding earning assets | 0.6437% | 2,733 |
| Net interest margin | 4.1107% | 1,090 |
| Noninterest income to average assets | 1.4270% | 515 |
| Noninterest expense to average assets | 4.0680% | 382 |
| Loan and lease loss provision to assets | 0.1291% | 2,729 |
| Net operating income to assets | 0.7813% | 3,103 |
| Return on assets (ROA) | 0.7813% | 3,222 |
| Pretax return on assets | 0.9905% | 3,061 |
| Return on Equity (ROE) | 3.3192% | 4,281 |
| Retained earnings to average equity (ytd only) | 3.3192% | 3,261 |
| Net charge-offs to loans | 0.0161% | 2,416 |
| Credit loss provision to net charge-offs | 909.0909% | 841 |
| Earnings coverage of net charge-offs (x) | 78.8182% | 815 |
| Efficiency ratio | 78.4167% | 1,015 |
| Assets per employee ($millions) | 4.1122% | 4,191 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7580% | 4,442 |
| Loan loss allowance to noncurrent loans | 614.8810% | 856 |
| Noncurrent assets plus other real estate owned to assets | 0.1075% | 3,992 |
| Noncurrent loans to loans | 0.1233% | 3,960 |
| Net loans and leases to total assets | 86.5514% | 115 |
| Net loans and leases to deposits | 119.3918% | 99 |
| Net loans and leases to core deposits | 136.6753% | 196 |
| Total domestic deposits to total assets | 72.4936% | 4,684 |
| Equity capital to assets | 23.5329% | 115 |
| Core capital (leverage) ratio | 23.5098% | 117 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $154,866,000 | 3,304 |
| Average earning assets | $141,679,000 | 3,331 |
| Average equity | $36,455,000 | 2,134 |
| Average total loans | $136,552,333 | 2,787 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7601% | 1,529 |
| Cost of funding earning assets | 0.7164% | 2,863 |
| Net interest margin | 4.0437% | 1,276 |
| Noninterest income to average assets | 1.3414% | 498 |
| Noninterest expense to average assets | 3.8789% | 572 |
| Loan and lease loss provision to assets | 0.1297% | 2,096 |
| Net operating income to assets | 0.8173% | 2,847 |
| Return on assets (ROA) | 0.8173% | 2,934 |
| Pretax return on assets | 1.0378% | 2,708 |
| Return on Equity (ROE) | 3.4715% | 4,099 |
| Retained earnings to average equity (ytd only) | 3.4715% | 2,899 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8638% | 1,466 |
| Assets per employee ($millions) | 4.0056% | 3,908 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7145% | 4,584 |
| Loan loss allowance to noncurrent loans | 549.1713% | 888 |
| Noncurrent assets plus other real estate owned to assets | 0.1159% | 4,046 |
| Noncurrent loans to loans | 0.1301% | 3,996 |
| Net loans and leases to total assets | 88.4176% | 63 |
| Net loans and leases to deposits | 130.8284% | 37 |
| Net loans and leases to core deposits | 152.0458% | 109 |
| Total domestic deposits to total assets | 67.5829% | 4,938 |
| Equity capital to assets | 23.3446% | 138 |
| Core capital (leverage) ratio | 23.4964% | 136 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $154,168,000 | 3,272 |
| Average earning assets | $141,256,500 | 3,292 |
| Average equity | $36,296,000 | 2,133 |
| Average total loans | $136,688,500 | 2,760 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6505% | 4,726 |
| Cost of funding earning assets | 0.7144% | 3,095 |
| Net interest margin | 2.9361% | 4,611 |
| Noninterest income to average assets | 0.6691% | 1,924 |
| Noninterest expense to average assets | 3.3280% | 1,244 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.0076% | 4,966 |
| Return on assets (ROA) | 0.0076% | 4,988 |
| Pretax return on assets | 0.0264% | 4,973 |
| Return on Equity (ROE) | 0.0334% | 4,990 |
| Retained earnings to average equity (ytd only) | 0.0334% | 4,684 |
| Net charge-offs to loans | -0.0199% | 4,621 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.2119% | 167 |
| Assets per employee ($millions) | 3.8029% | 4,149 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7031% | 4,565 |
| Loan loss allowance to noncurrent loans | 474.3719% | 1,030 |
| Noncurrent assets plus other real estate owned to assets | 0.1308% | 3,984 |
| Noncurrent loans to loans | 0.1482% | 3,933 |
| Net loans and leases to total assets | 87.6390% | 96 |
| Net loans and leases to deposits | 135.7981% | 30 |
| Net loans and leases to core deposits | 150.6838% | 113 |
| Total domestic deposits to total assets | 64.5363% | 5,046 |
| Equity capital to assets | 23.7470% | 139 |
| Core capital (leverage) ratio | 22.5903% | 163 |
| Tier 1 risk-based capital ratio | 32.7516% | 392 |
| Total risk-based capital ratio | 33.6383% | 396 |
| Memoranda: | ||
| Average total assets | $158,865,600 | 3,212 |
| Average earning assets | $145,293,800 | 3,216 |
| Average equity | $35,912,800 | 2,102 |
| Average total loans | $135,390,000 | 2,771 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5627% | 2,852 |
| Cost of funding earning assets | 0.7987% | 2,726 |
| Net interest margin | 3.7640% | 2,703 |
| Noninterest income to average assets | 0.6486% | 1,994 |
| Noninterest expense to average assets | 3.9587% | 558 |
| Loan and lease loss provision to assets | -0.0158% | 5,069 |
| Net operating income to assets | 0.1204% | 5,002 |
| Return on assets (ROA) | 0.1204% | 5,017 |
| Pretax return on assets | 0.1495% | 5,015 |
| Return on Equity (ROE) | 0.5391% | 5,049 |
| Retained earnings to average equity (ytd only) | 0.5391% | 4,655 |
| Net charge-offs to loans | -0.0059% | 4,243 |
| Credit loss provision to net charge-offs | 316.6667% | 922 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.7330% | 188 |
| Assets per employee ($millions) | 4.2619% | 3,532 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6550% | 4,719 |
| Loan loss allowance to noncurrent loans | 274.0181% | 1,634 |
| Noncurrent assets plus other real estate owned to assets | 0.1991% | 3,768 |
| Noncurrent loans to loans | 0.2390% | 3,686 |
| Net loans and leases to total assets | 82.7661% | 489 |
| Net loans and leases to deposits | 123.7968% | 71 |
| Net loans and leases to core deposits | 146.3147% | 140 |
| Total domestic deposits to total assets | 66.8564% | 5,084 |
| Equity capital to assets | 21.8124% | 188 |
| Core capital (leverage) ratio | 22.0084% | 177 |
| Tier 1 risk-based capital ratio | 31.0249% | 452 |
| Total risk-based capital ratio | 31.8283% | 457 |
| Memoranda: | ||
| Average total assets | $160,555,500 | 3,229 |
| Average earning assets | $146,898,000 | 3,238 |
| Average equity | $35,863,250 | 2,110 |
| Average total loans | $135,673,250 | 2,799 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5058% | 2,999 |
| Cost of funding earning assets | 0.8934% | 2,182 |
| Net interest margin | 3.6124% | 3,213 |
| Noninterest income to average assets | 0.5476% | 2,398 |
| Noninterest expense to average assets | 3.8197% | 645 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.0867% | 5,066 |
| Return on assets (ROA) | 0.0867% | 5,075 |
| Pretax return on assets | 0.1196% | 5,060 |
| Return on Equity (ROE) | 0.3583% | 5,093 |
| Retained earnings to average equity (ytd only) | 0.3583% | 4,601 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.9644% | 190 |
| Assets per employee ($millions) | 3.9811% | 3,889 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8532% | 4,256 |
| Loan loss allowance to noncurrent loans | 611.3333% | 858 |
| Noncurrent assets plus other real estate owned to assets | 0.1256% | 4,124 |
| Noncurrent loans to loans | 0.1396% | 4,058 |
| Net loans and leases to total assets | 89.2267% | 70 |
| Net loans and leases to deposits | 149.9824% | 16 |
| Net loans and leases to core deposits | 181.3536% | 58 |
| Total domestic deposits to total assets | 59.4914% | 5,214 |
| Equity capital to assets | 23.4305% | 151 |
| Core capital (leverage) ratio | 24.1192% | 131 |
| Tier 1 risk-based capital ratio | 34.4651% | 352 |
| Total risk-based capital ratio | 35.6224% | 350 |
| Memoranda: | ||
| Average total assets | $115,402,670 | 3,823 |
| Average earning assets | $108,349,670 | 3,800 |
| Average equity | $27,907,670 | 2,518 |
| Average total loans | $103,012,670 | 3,238 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4506% | 3,048 |
| Cost of funding earning assets | 0.8397% | 2,330 |
| Net interest margin | 3.6109% | 3,214 |
| Noninterest income to average assets | 0.4269% | 2,997 |
| Noninterest expense to average assets | 3.5595% | 890 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.2046% | 5,008 |
| Return on assets (ROA) | 0.2046% | 5,014 |
| Pretax return on assets | 0.2505% | 5,000 |
| Return on Equity (ROE) | 0.8325% | 5,091 |
| Retained earnings to average equity (ytd only) | 0.8325% | 4,357 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.4259% | 294 |
| Assets per employee ($millions) | 3.8097% | 4,178 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8944% | 4,183 |
| Loan loss allowance to noncurrent loans | 603.2895% | 890 |
| Noncurrent assets plus other real estate owned to assets | 0.1330% | 4,135 |
| Noncurrent loans to loans | 0.1483% | 4,069 |
| Net loans and leases to total assets | 88.8995% | 70 |
| Net loans and leases to deposits | 143.2247% | 20 |
| Net loans and leases to core deposits | 173.2189% | 59 |
| Total domestic deposits to total assets | 62.0700% | 5,261 |
| Equity capital to assets | 24.4322% | 124 |
| Core capital (leverage) ratio | 24.5066% | 120 |
| Tier 1 risk-based capital ratio | 35.6991% | 306 |
| Total risk-based capital ratio | 36.8937% | 302 |
| Memoranda: | ||
| Average total assets | $113,387,000 | 3,888 |
| Average earning assets | $106,233,500 | 3,877 |
| Average equity | $27,869,500 | 2,527 |
| Average total loans | $100,777,000 | 3,313 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3229% | 3,031 |
| Cost of funding earning assets | 0.7746% | 1,665 |
| Net interest margin | 3.5483% | 3,548 |
| Noninterest income to average assets | 0.5914% | 2,343 |
| Noninterest expense to average assets | 3.6662% | 808 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.1920% | 5,116 |
| Return on assets (ROA) | 0.1920% | 5,109 |
| Pretax return on assets | 0.2527% | 5,084 |
| Return on Equity (ROE) | 0.7664% | 5,183 |
| Retained earnings to average equity (ytd only) | 0.7664% | 4,785 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.5521% | 247 |
| Assets per employee ($millions) | 3.7494% | 4,251 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9260% | 4,065 |
| Loan loss allowance to noncurrent loans | 615.4362% | 917 |
| Noncurrent assets plus other real estate owned to assets | 0.1325% | 4,161 |
| Noncurrent loans to loans | 0.1505% | 4,068 |
| Net loans and leases to total assets | 87.2273% | 154 |
| Net loans and leases to deposits | 131.0052% | 42 |
| Net loans and leases to core deposits | 173.0912% | 61 |
| Total domestic deposits to total assets | 66.5831% | 5,237 |
| Equity capital to assets | 24.7284% | 113 |
| Core capital (leverage) ratio | 24.9650% | 116 |
| Tier 1 risk-based capital ratio | 37.1250% | 277 |
| Total risk-based capital ratio | 38.3565% | 273 |
| Memoranda: | ||
| Average total assets | $110,414,200 | 3,938 |
| Average earning assets | $103,542,000 | 3,923 |
| Average equity | $27,663,400 | 2,472 |
| Average total loans | $97,595,200 | 3,348 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2638% | 3,099 |
| Cost of funding earning assets | 0.7306% | 1,681 |
| Net interest margin | 3.5332% | 3,582 |
| Noninterest income to average assets | 0.4732% | 3,026 |
| Noninterest expense to average assets | 3.6797% | 774 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.0813% | 5,263 |
| Return on assets (ROA) | 0.0813% | 5,256 |
| Pretax return on assets | 0.1140% | 5,248 |
| Return on Equity (ROE) | 0.3234% | 5,281 |
| Retained earnings to average equity (ytd only) | 0.3234% | 4,986 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.9939% | 190 |
| Assets per employee ($millions) | 3.9788% | 3,925 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9329% | 4,124 |
| Loan loss allowance to noncurrent loans | 611.3333% | 905 |
| Noncurrent assets plus other real estate owned to assets | 0.1346% | 4,281 |
| Noncurrent loans to loans | 0.1526% | 4,200 |
| Net loans and leases to total assets | 87.4100% | 164 |
| Net loans and leases to deposits | 135.4607% | 32 |
| Net loans and leases to core deposits | 181.6113% | 50 |
| Total domestic deposits to total assets | 64.5279% | 5,345 |
| Equity capital to assets | 24.8057% | 115 |
| Core capital (leverage) ratio | 25.1364% | 108 |
| Tier 1 risk-based capital ratio | 37.6951% | 260 |
| Total risk-based capital ratio | 38.9554% | 260 |
| Memoranda: | ||
| Average total assets | $109,897,250 | 3,987 |
| Average earning assets | $103,284,750 | 3,969 |
| Average equity | $27,625,500 | 2,483 |
| Average total loans | $97,236,000 | 3,379 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2291% | 3,019 |
| Cost of funding earning assets | 0.6847% | 1,714 |
| Net interest margin | 3.5443% | 3,482 |
| Noninterest income to average assets | 0.3455% | 3,863 |
| Noninterest expense to average assets | 3.6547% | 815 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.0183% | 5,333 |
| Return on assets (ROA) | 0.0183% | 5,327 |
| Pretax return on assets | 0.0219% | 5,327 |
| Return on Equity (ROE) | 0.0724% | 5,330 |
| Retained earnings to average equity (ytd only) | 0.0724% | 4,945 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.4033% | 182 |
| Assets per employee ($millions) | 3.9625% | 3,964 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9204% | 4,247 |
| Loan loss allowance to noncurrent loans | 603.2895% | 954 |
| Noncurrent assets plus other real estate owned to assets | 0.1370% | 4,305 |
| Noncurrent loans to loans | 0.1526% | 4,220 |
| Net loans and leases to total assets | 88.9689% | 106 |
| Net loans and leases to deposits | 134.3043% | 28 |
| Net loans and leases to core deposits | 180.2348% | 46 |
| Total domestic deposits to total assets | 66.2443% | 5,382 |
| Equity capital to assets | 24.8734% | 111 |
| Core capital (leverage) ratio | 25.0905% | 105 |
| Tier 1 risk-based capital ratio | 39.1055% | 242 |
| Total risk-based capital ratio | 40.3728% | 240 |
| Memoranda: | ||
| Average total assets | $109,394,330 | 4,029 |
| Average earning assets | $102,812,670 | 4,005 |
| Average equity | $27,622,330 | 2,491 |
| Average total loans | $96,882,330 | 3,394 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1105% | 3,203 |
| Cost of funding earning assets | 0.6309% | 1,840 |
| Net interest margin | 3.4797% | 3,609 |
| Noninterest income to average assets | 0.1510% | 5,108 |
| Noninterest expense to average assets | 3.3660% | 1,224 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.0479% | 5,360 |
| Return on assets (ROA) | 0.0479% | 5,356 |
| Pretax return on assets | 0.0552% | 5,352 |
| Return on Equity (ROE) | 0.1882% | 5,374 |
| Retained earnings to average equity (ytd only) | 0.1882% | 4,780 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.3854% | 201 |
| Assets per employee ($millions) | 3.8057% | 4,282 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9592% | 4,177 |
| Loan loss allowance to noncurrent loans | 591.6129% | 949 |
| Noncurrent assets plus other real estate owned to assets | 0.1404% | 4,387 |
| Noncurrent loans to loans | 0.1621% | 4,251 |
| Net loans and leases to total assets | 85.7926% | 275 |
| Net loans and leases to deposits | 127.9613% | 41 |
| Net loans and leases to core deposits | 172.0201% | 62 |
| Total domestic deposits to total assets | 67.0457% | 5,443 |
| Equity capital to assets | 25.0197% | 103 |
| Core capital (leverage) ratio | 26.1140% | 94 |
| Tier 1 risk-based capital ratio | 41.0525% | 214 |
| Total risk-based capital ratio | 42.3168% | 211 |
| Memoranda: | ||
| Average total assets | $108,616,500 | 4,089 |
| Average earning assets | $102,079,000 | 4,056 |
| Average equity | $27,635,000 | 2,516 |
| Average total loans | $95,509,500 | 3,431 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1875% | 2,734 |
| Cost of funding earning assets | 0.6537% | 1,277 |
| Net interest margin | 3.5338% | 3,409 |
| Noninterest income to average assets | 0.2092% | 4,889 |
| Noninterest expense to average assets | 2.9247% | 2,372 |
| Loan and lease loss provision to assets | 0.0543% | 3,143 |
| Net operating income to assets | 0.1938% | 5,124 |
| Return on assets (ROA) | 0.1938% | 5,139 |
| Pretax return on assets | 0.5598% | 4,828 |
| Return on Equity (ROE) | 0.7747% | 5,272 |
| Retained earnings to average equity (ytd only) | 0.7747% | 4,729 |
| Net charge-offs to loans | -0.0282% | 5,050 |
| Credit loss provision to net charge-offs | -214.2857% | 4,810 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.6465% | 882 |
| Assets per employee ($millions) | 4.8576% | 2,667 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9610% | 4,159 |
| Loan loss allowance to noncurrent loans | 584.0764% | 963 |
| Noncurrent assets plus other real estate owned to assets | 0.1797% | 4,236 |
| Noncurrent loans to loans | 0.1645% | 4,271 |
| Net loans and leases to total assets | 88.4268% | 120 |
| Net loans and leases to deposits | 133.9798% | 33 |
| Net loans and leases to core deposits | 170.8923% | 62 |
| Total domestic deposits to total assets | 66.0001% | 5,518 |
| Equity capital to assets | 25.8796% | 88 |
| Core capital (leverage) ratio | 24.2460% | 109 |
| Tier 1 risk-based capital ratio | 40.8174% | 204 |
| Total risk-based capital ratio | 42.0987% | 201 |
| Memoranda: | ||
| Average total assets | $110,404,000 | 4,055 |
| Average earning assets | $104,024,800 | 4,024 |
| Average equity | $27,623,200 | 2,510 |
| Average total loans | $99,253,400 | 3,366 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1461% | 2,810 |
| Cost of funding earning assets | 0.6399% | 1,308 |
| Net interest margin | 3.5062% | 3,485 |
| Noninterest income to average assets | 0.2252% | 4,863 |
| Noninterest expense to average assets | 2.9029% | 2,399 |
| Loan and lease loss provision to assets | 0.0719% | 2,640 |
| Net operating income to assets | 0.3606% | 5,080 |
| Return on assets (ROA) | 0.3606% | 5,100 |
| Pretax return on assets | 0.5523% | 4,926 |
| Return on Equity (ROE) | 1.4533% | 5,380 |
| Retained earnings to average equity (ytd only) | 1.4533% | 4,832 |
| Net charge-offs to loans | -0.0359% | 5,059 |
| Credit loss provision to net charge-offs | -222.2222% | 4,650 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.3030% | 887 |
| Assets per employee ($millions) | 5.1279% | 2,300 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9083% | 4,533 |
| Loan loss allowance to noncurrent loans | 576.7296% | 918 |
| Noncurrent assets plus other real estate owned to assets | 0.1720% | 4,415 |
| Noncurrent loans to loans | 0.1575% | 4,427 |
| Net loans and leases to total assets | 88.6769% | 127 |
| Net loans and leases to deposits | 135.5850% | 26 |
| Net loans and leases to core deposits | 181.7752% | 50 |
| Total domestic deposits to total assets | 65.4032% | 5,604 |
| Equity capital to assets | 24.6237% | 112 |
| Core capital (leverage) ratio | 24.6974% | 104 |
| Tier 1 risk-based capital ratio | 38.3123% | 247 |
| Total risk-based capital ratio | 39.6291% | 241 |
| Memoranda: | ||
| Average total assets | $111,288,000 | 4,081 |
| Average earning assets | $104,802,750 | 4,052 |
| Average equity | $27,614,750 | 2,530 |
| Average total loans | $100,212,500 | 3,377 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1333% | 2,723 |
| Cost of funding earning assets | 0.6288% | 1,275 |
| Net interest margin | 3.5045% | 3,382 |
| Noninterest income to average assets | 0.2040% | 5,027 |
| Noninterest expense to average assets | 2.8670% | 2,522 |
| Loan and lease loss provision to assets | 0.1083% | 1,883 |
| Net operating income to assets | 0.3448% | 5,111 |
| Return on assets (ROA) | 0.3448% | 5,130 |
| Pretax return on assets | 0.5290% | 4,956 |
| Return on Equity (ROE) | 1.3861% | 5,433 |
| Retained earnings to average equity (ytd only) | 1.3861% | 4,700 |
| Net charge-offs to loans | -0.0540% | 5,209 |
| Credit loss provision to net charge-offs | -222.2222% | 4,492 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.8135% | 1,025 |
| Assets per employee ($millions) | 5.0694% | 2,311 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9026% | 4,631 |
| Loan loss allowance to noncurrent loans | 566.0494% | 931 |
| Noncurrent assets plus other real estate owned to assets | 0.2251% | 4,250 |
| Noncurrent loans to loans | 0.1595% | 4,482 |
| Net loans and leases to total assets | 90.2759% | 74 |
| Net loans and leases to deposits | 139.0962% | 25 |
| Net loans and leases to core deposits | 143.4114% | 164 |
| Total domestic deposits to total assets | 64.9018% | 5,654 |
| Equity capital to assets | 24.8119% | 103 |
| Core capital (leverage) ratio | 24.9042% | 98 |
| Tier 1 risk-based capital ratio | 38.9938% | 223 |
| Total risk-based capital ratio | 40.2688% | 219 |
| Memoranda: | ||
| Average total assets | $110,779,330 | 4,119 |
| Average earning assets | $104,322,670 | 4,089 |
| Average equity | $27,560,000 | 2,532 |
| Average total loans | $99,964,330 | 3,399 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0565% | 2,818 |
| Cost of funding earning assets | 0.6164% | 1,261 |
| Net interest margin | 3.4401% | 3,484 |
| Noninterest income to average assets | 0.2246% | 4,926 |
| Noninterest expense to average assets | 2.9165% | 2,410 |
| Loan and lease loss provision to assets | 0.1087% | 1,757 |
| Net operating income to assets | 0.2826% | 5,236 |
| Return on assets (ROA) | 0.2826% | 5,252 |
| Pretax return on assets | 0.4348% | 5,092 |
| Return on Equity (ROE) | 1.1344% | 5,470 |
| Retained earnings to average equity (ytd only) | 1.1344% | 4,607 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.2932% | 944 |
| Assets per employee ($millions) | 5.0534% | 2,374 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8613% | 4,894 |
| Loan loss allowance to noncurrent loans | 304.9645% | 1,584 |
| Noncurrent assets plus other real estate owned to assets | 0.2537% | 4,193 |
| Noncurrent loans to loans | 0.2824% | 4,105 |
| Net loans and leases to total assets | 89.0352% | 84 |
| Net loans and leases to deposits | 136.6748% | 24 |
| Net loans and leases to core deposits | 140.2576% | 167 |
| Total domestic deposits to total assets | 65.1438% | 5,726 |
| Equity capital to assets | 24.7756% | 108 |
| Core capital (leverage) ratio | 24.9363% | 100 |
| Tier 1 risk-based capital ratio | 39.2737% | 232 |
| Total risk-based capital ratio | 40.5289% | 229 |
| Memoranda: | ||
| Average total assets | $110,405,500 | 4,168 |
| Average earning assets | $103,833,500 | 4,137 |
| Average equity | $27,504,000 | 2,545 |
| Average total loans | $99,147,000 | 3,434 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9914% | 3,216 |
| Cost of funding earning assets | 0.5872% | 1,440 |
| Net interest margin | 3.4043% | 3,813 |
| Noninterest income to average assets | 0.1546% | 5,438 |
| Noninterest expense to average assets | 2.9934% | 2,372 |
| Loan and lease loss provision to assets | 0.1098% | 2,226 |
| Net operating income to assets | 0.1455% | 5,502 |
| Return on assets (ROA) | 0.1455% | 5,539 |
| Pretax return on assets | 0.2498% | 5,431 |
| Return on Equity (ROE) | 0.5813% | 5,620 |
| Retained earnings to average equity (ytd only) | 0.5813% | 5,096 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.2769% | 598 |
| Assets per employee ($millions) | 4.9835% | 2,416 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8431% | 4,977 |
| Loan loss allowance to noncurrent loans | 288.1944% | 1,681 |
| Noncurrent assets plus other real estate owned to assets | 0.2627% | 4,239 |
| Noncurrent loans to loans | 0.2925% | 4,101 |
| Net loans and leases to total assets | 89.0393% | 92 |
| Net loans and leases to deposits | 137.5336% | 27 |
| Net loans and leases to core deposits | 140.7074% | 167 |
| Total domestic deposits to total assets | 64.7400% | 5,778 |
| Equity capital to assets | 25.0499% | 102 |
| Core capital (leverage) ratio | 24.9472% | 101 |
| Tier 1 risk-based capital ratio | 39.7931% | 221 |
| Total risk-based capital ratio | 41.0409% | 220 |
| Memoranda: | ||
| Average total assets | $109,308,000 | 4,178 |
| Average earning assets | $102,694,800 | 4,147 |
| Average equity | $27,353,400 | 2,547 |
| Average total loans | $95,115,800 | 3,480 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9679% | 3,333 |
| Cost of funding earning assets | 0.5824% | 1,471 |
| Net interest margin | 3.3855% | 3,906 |
| Noninterest income to average assets | 0.1453% | 5,531 |
| Noninterest expense to average assets | 3.0053% | 2,309 |
| Loan and lease loss provision to assets | 0.1099% | 2,095 |
| Net operating income to assets | 0.1123% | 5,610 |
| Return on assets (ROA) | 0.1123% | 5,664 |
| Pretax return on assets | 0.2087% | 5,555 |
| Return on Equity (ROE) | 0.4489% | 5,706 |
| Retained earnings to average equity (ytd only) | 0.4489% | 5,240 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.4150% | 544 |
| Assets per employee ($millions) | 5.0030% | 2,365 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8128% | 5,154 |
| Loan loss allowance to noncurrent loans | 273.0375% | 1,758 |
| Noncurrent assets plus other real estate owned to assets | 0.2662% | 4,369 |
| Noncurrent loans to loans | 0.2977% | 4,188 |
| Net loans and leases to total assets | 88.6950% | 101 |
| Net loans and leases to deposits | 136.7403% | 28 |
| Net loans and leases to core deposits | 139.8851% | 195 |
| Total domestic deposits to total assets | 64.8638% | 5,837 |
| Equity capital to assets | 24.9032% | 110 |
| Core capital (leverage) ratio | 24.9553% | 100 |
| Tier 1 risk-based capital ratio | 39.5799% | 231 |
| Total risk-based capital ratio | 40.7546% | 232 |
| Memoranda: | ||
| Average total assets | $109,225,750 | 4,214 |
| Average earning assets | $102,553,250 | 4,176 |
| Average equity | $27,325,750 | 2,566 |
| Average total loans | $94,282,250 | 3,511 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9898% | 3,276 |
| Cost of funding earning assets | 0.5714% | 1,537 |
| Net interest margin | 3.4184% | 3,815 |
| Noninterest income to average assets | 0.1248% | 5,686 |
| Noninterest expense to average assets | 2.9997% | 2,349 |
| Loan and lease loss provision to assets | 0.1101% | 2,032 |
| Net operating income to assets | 0.1469% | 5,615 |
| Return on assets (ROA) | 0.1469% | 5,663 |
| Pretax return on assets | 0.2221% | 5,592 |
| Return on Equity (ROE) | 0.5861% | 5,743 |
| Retained earnings to average equity (ytd only) | 0.5861% | 5,130 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.0275% | 601 |
| Assets per employee ($millions) | 4.9946% | 2,303 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7964% | 5,289 |
| Loan loss allowance to noncurrent loans | 413.9785% | 1,245 |
| Noncurrent assets plus other real estate owned to assets | 0.1693% | 4,827 |
| Noncurrent loans to loans | 0.1924% | 4,665 |
| Net loans and leases to total assets | 87.2853% | 182 |
| Net loans and leases to deposits | 134.4614% | 27 |
| Net loans and leases to core deposits | 137.5507% | 209 |
| Total domestic deposits to total assets | 64.9148% | 5,918 |
| Equity capital to assets | 24.9352% | 103 |
| Core capital (leverage) ratio | 25.0256% | 94 |
| Tier 1 risk-based capital ratio | 41.3020% | 212 |
| Total risk-based capital ratio | 42.4785% | 214 |
| Memoranda: | ||
| Average total assets | $108,945,670 | 4,247 |
| Average earning assets | $102,211,000 | 4,217 |
| Average equity | $27,297,670 | 2,575 |
| Average total loans | $92,902,000 | 3,549 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9770% | 3,303 |
| Cost of funding earning assets | 0.5715% | 1,533 |
| Net interest margin | 3.4055% | 3,852 |
| Noninterest income to average assets | 0.1143% | 5,770 |
| Noninterest expense to average assets | 3.0458% | 2,255 |
| Loan and lease loss provision to assets | 0.1106% | 1,884 |
| Net operating income to assets | 0.0959% | 5,688 |
| Return on assets (ROA) | 0.0959% | 5,728 |
| Pretax return on assets | 0.1438% | 5,697 |
| Return on Equity (ROE) | 0.3817% | 5,785 |
| Retained earnings to average equity (ytd only) | 0.3817% | 5,026 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.2905% | 531 |
| Assets per employee ($millions) | 4.9927% | 2,351 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8059% | 5,338 |
| Loan loss allowance to noncurrent loans | 385.4167% | 1,306 |
| Noncurrent assets plus other real estate owned to assets | 0.1748% | 4,869 |
| Noncurrent loans to loans | 0.2091% | 4,675 |
| Net loans and leases to total assets | 82.9243% | 462 |
| Net loans and leases to deposits | 131.2866% | 33 |
| Net loans and leases to core deposits | 179.5148% | 52 |
| Total domestic deposits to total assets | 63.1628% | 6,011 |
| Equity capital to assets | 24.8507% | 96 |
| Core capital (leverage) ratio | 25.6633% | 86 |
| Tier 1 risk-based capital ratio | 42.3091% | 205 |
| Total risk-based capital ratio | 43.4696% | 203 |
| Memoranda: | ||
| Average total assets | $108,478,000 | 4,291 |
| Average earning assets | $101,482,500 | 4,260 |
| Average equity | $27,247,000 | 2,582 |
| Average total loans | $91,013,000 | 3,602 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9780% | 3,389 |
| Cost of funding earning assets | 0.5275% | 1,943 |
| Net interest margin | 3.4504% | 3,717 |
| Noninterest income to average assets | 0.1528% | 5,654 |
| Noninterest expense to average assets | 2.8225% | 3,140 |
| Loan and lease loss provision to assets | 0.0865% | 2,565 |
| Net operating income to assets | 0.3216% | 5,294 |
| Return on assets (ROA) | 0.3583% | 5,272 |
| Pretax return on assets | 0.5418% | 5,014 |
| Return on Equity (ROE) | 1.3775% | 5,706 |
| Retained earnings to average equity (ytd only) | 1.3775% | 4,943 |
| Net charge-offs to loans | 0.0095% | 4,130 |
| Credit loss provision to net charge-offs | 1,125.0000% | 302 |
| Earnings coverage of net charge-offs (x) | 74.5000% | 736 |
| Efficiency ratio | 83.1353% | 1,262 |
| Assets per employee ($millions) | 5.1008% | 2,241 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7871% | 5,446 |
| Loan loss allowance to noncurrent loans | 367.8756% | 1,369 |
| Noncurrent assets plus other real estate owned to assets | 0.1802% | 4,886 |
| Noncurrent loans to loans | 0.2140% | 4,650 |
| Net loans and leases to total assets | 83.5468% | 431 |
| Net loans and leases to deposits | 129.9868% | 45 |
| Net loans and leases to core deposits | 271.7726% | 29 |
| Total domestic deposits to total assets | 64.2733% | 6,044 |
| Equity capital to assets | 25.3912% | 88 |
| Core capital (leverage) ratio | 25.9254% | 79 |
| Tier 1 risk-based capital ratio | 42.4215% | 198 |
| Total risk-based capital ratio | 43.5448% | 197 |
| Memoranda: | ||
| Average total assets | $104,090,800 | 4,378 |
| Average earning assets | $97,813,800 | 4,341 |
| Average equity | $27,078,000 | 2,540 |
| Average total loans | $83,853,200 | 3,727 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9760% | 3,436 |
| Cost of funding earning assets | 0.5117% | 2,105 |
| Net interest margin | 3.4642% | 3,698 |
| Noninterest income to average assets | 0.1626% | 5,671 |
| Noninterest expense to average assets | 2.7547% | 3,363 |
| Loan and lease loss provision to assets | 0.0774% | 2,634 |
| Net operating income to assets | 0.3890% | 5,200 |
| Return on assets (ROA) | 0.4129% | 5,207 |
| Pretax return on assets | 0.6245% | 4,911 |
| Return on Equity (ROE) | 1.5774% | 5,759 |
| Retained earnings to average equity (ytd only) | 1.5774% | 5,078 |
| Net charge-offs to loans | 0.0113% | 3,780 |
| Credit loss provision to net charge-offs | 857.1429% | 417 |
| Earnings coverage of net charge-offs (x) | 73.7385% | 784 |
| Efficiency ratio | 80.5356% | 1,575 |
| Assets per employee ($millions) | 5.6425% | 1,642 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7620% | 5,607 |
| Loan loss allowance to noncurrent loans | 352.3316% | 1,394 |
| Noncurrent assets plus other real estate owned to assets | 0.1800% | 5,033 |
| Noncurrent loans to loans | 0.2163% | 4,789 |
| Net loans and leases to total assets | 82.6019% | 511 |
| Net loans and leases to deposits | 130.0176% | 44 |
| Net loans and leases to core deposits | 269.5492% | 33 |
| Total domestic deposits to total assets | 63.5313% | 6,137 |
| Equity capital to assets | 25.3920% | 92 |
| Core capital (leverage) ratio | 25.8858% | 78 |
| Tier 1 risk-based capital ratio | 42.7421% | 215 |
| Total risk-based capital ratio | 43.8365% | 215 |
| Memoranda: | ||
| Average total assets | $103,334,500 | 4,445 |
| Average earning assets | $97,181,000 | 4,402 |
| Average equity | $27,048,000 | 2,554 |
| Average total loans | $82,266,000 | 3,798 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0007% | 3,282 |
| Cost of funding earning assets | 0.4920% | 2,328 |
| Net interest margin | 3.5087% | 3,463 |
| Noninterest income to average assets | 0.1666% | 5,702 |
| Noninterest expense to average assets | 2.4911% | 4,271 |
| Loan and lease loss provision to assets | 0.0588% | 2,927 |
| Net operating income to assets | 0.6059% | 4,320 |
| Return on assets (ROA) | 0.6370% | 4,295 |
| Pretax return on assets | 0.9623% | 3,731 |
| Return on Equity (ROE) | 2.4083% | 5,596 |
| Retained earnings to average equity (ytd only) | 2.4083% | 4,528 |
| Net charge-offs to loans | 0.0175% | 3,354 |
| Credit loss provision to net charge-offs | 428.5714% | 705 |
| Earnings coverage of net charge-offs (x) | 71.0000% | 768 |
| Efficiency ratio | 71.8891% | 3,013 |
| Assets per employee ($millions) | 5.2332% | 2,005 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7495% | 5,714 |
| Loan loss allowance to noncurrent loans | 329.9492% | 1,488 |
| Noncurrent assets plus other real estate owned to assets | 0.2570% | 4,838 |
| Noncurrent loans to loans | 0.2272% | 4,861 |
| Net loans and leases to total assets | 82.2373% | 528 |
| Net loans and leases to deposits | 125.2466% | 63 |
| Net loans and leases to core deposits | 169.7204% | 65 |
| Total domestic deposits to total assets | 65.6603% | 6,179 |
| Equity capital to assets | 25.9853% | 81 |
| Core capital (leverage) ratio | 26.2930% | 83 |
| Tier 1 risk-based capital ratio | 45.5960% | 188 |
| Total risk-based capital ratio | 46.6849% | 189 |
| Memoranda: | ||
| Average total assets | $102,043,670 | 4,513 |
| Average earning assets | $95,934,330 | 4,472 |
| Average equity | $26,990,000 | 2,571 |
| Average total loans | $79,943,000 | 3,884 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0570% | 3,012 |
| Cost of funding earning assets | 0.4621% | 2,656 |
| Net interest margin | 3.5949% | 3,021 |
| Noninterest income to average assets | 0.1707% | 5,697 |
| Noninterest expense to average assets | 2.4262% | 4,529 |
| Loan and lease loss provision to assets | 0.0596% | 2,740 |
| Net operating income to assets | 0.6931% | 3,835 |
| Return on assets (ROA) | 0.7743% | 3,533 |
| Pretax return on assets | 1.1754% | 2,758 |
| Return on Equity (ROE) | 2.9011% | 5,417 |
| Retained earnings to average equity (ytd only) | 2.9011% | 4,225 |
| Net charge-offs to loans | 0.0366% | 2,478 |
| Credit loss provision to net charge-offs | 214.2857% | 1,001 |
| Earnings coverage of net charge-offs (x) | 40.0000% | 972 |
| Efficiency ratio | 68.5746% | 3,730 |
| Assets per employee ($millions) | 6.6469% | 997 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7968% | 5,699 |
| Loan loss allowance to noncurrent loans | 314.8515% | 1,524 |
| Noncurrent assets plus other real estate owned to assets | 0.2026% | 5,150 |
| Noncurrent loans to loans | 0.2531% | 4,882 |
| Net loans and leases to total assets | 79.4161% | 751 |
| Net loans and leases to deposits | 118.4316% | 105 |
| Net loans and leases to core deposits | 231.9303% | 40 |
| Total domestic deposits to total assets | 67.0565% | 6,223 |
| Equity capital to assets | 27.0932% | 77 |
| Core capital (leverage) ratio | 27.6089% | 72 |
| Tier 1 risk-based capital ratio | 53.5738% | 131 |
| Total risk-based capital ratio | 54.8225% | 131 |
| Memoranda: | ||
| Average total assets | $100,734,000 | 4,580 |
| Average earning assets | $94,355,000 | 4,539 |
| Average equity | $26,886,500 | 2,591 |
| Average total loans | $76,553,500 | 4,000 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0212% | 3,639 |
| Cost of funding earning assets | 0.4055% | 3,634 |
| Net interest margin | 3.6157% | 3,355 |
| Noninterest income to average assets | 0.0931% | 6,179 |
| Noninterest expense to average assets | 2.4001% | 4,845 |
| Loan and lease loss provision to assets | 0.0265% | 4,078 |
| Net operating income to assets | 0.7175% | 3,806 |
| Return on assets (ROA) | 0.7175% | 3,914 |
| Pretax return on assets | 1.0921% | 3,114 |
| Return on Equity (ROE) | 2.5758% | 5,606 |
| Retained earnings to average equity (ytd only) | 2.5758% | 4,407 |
| Net charge-offs to loans | 0.1047% | 3,014 |
| Credit loss provision to net charge-offs | 35.2113% | 3,764 |
| Earnings coverage of net charge-offs (x) | 14.8873% | 2,118 |
| Efficiency ratio | 68.2105% | 3,860 |
| Assets per employee ($millions) | 7.2689% | 727 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8569% | 5,615 |
| Loan loss allowance to noncurrent loans | 203.8961% | 2,210 |
| Noncurrent assets plus other real estate owned to assets | 0.3027% | 4,828 |
| Noncurrent loans to loans | 0.4202% | 4,379 |
| Net loans and leases to total assets | 71.4025% | 2,016 |
| Net loans and leases to deposits | 105.9491% | 359 |
| Net loans and leases to core deposits | 202.5817% | 44 |
| Total domestic deposits to total assets | 67.3932% | 6,288 |
| Equity capital to assets | 26.2961% | 85 |
| Core capital (leverage) ratio | 27.6839% | 75 |
| Tier 1 risk-based capital ratio | 43.8254% | 187 |
| Total risk-based capital ratio | 44.8471% | 189 |
| Memoranda: | ||
| Average total assets | $94,496,600 | 4,738 |
| Average earning assets | $89,525,600 | 4,668 |
| Average equity | $26,322,400 | 2,544 |
| Average total loans | $67,793,200 | 4,240 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0511% | 3,555 |
| Cost of funding earning assets | 0.4090% | 3,691 |
| Net interest margin | 3.6421% | 3,257 |
| Noninterest income to average assets | 0.0777% | 6,314 |
| Noninterest expense to average assets | 2.4054% | 4,806 |
| Loan and lease loss provision to assets | 0.0144% | 4,125 |
| Net operating income to assets | 0.7323% | 3,775 |
| Return on assets (ROA) | 0.7323% | 3,879 |
| Pretax return on assets | 1.1164% | 3,126 |
| Return on Equity (ROE) | 2.5890% | 5,684 |
| Retained earnings to average equity (ytd only) | 2.5890% | 4,744 |
| Net charge-offs to loans | 0.0883% | 2,946 |
| Credit loss provision to net charge-offs | 22.7273% | 3,554 |
| Earnings coverage of net charge-offs (x) | 17.8621% | 1,879 |
| Efficiency ratio | 68.0228% | 3,850 |
| Assets per employee ($millions) | 7.3016% | 701 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9127% | 5,563 |
| Loan loss allowance to noncurrent loans | 194.5289% | 2,200 |
| Noncurrent assets plus other real estate owned to assets | 0.3466% | 4,880 |
| Noncurrent loans to loans | 0.4692% | 4,502 |
| Net loans and leases to total assets | 73.2009% | 1,646 |
| Net loans and leases to deposits | 110.2275% | 214 |
| Net loans and leases to core deposits | 136.8099% | 171 |
| Total domestic deposits to total assets | 66.4089% | 6,397 |
| Equity capital to assets | 28.0654% | 75 |
| Core capital (leverage) ratio | 27.9793% | 69 |
| Tier 1 risk-based capital ratio | 46.1039% | 164 |
| Total risk-based capital ratio | 47.2617% | 167 |
| Memoranda: | ||
| Average total assets | $92,679,750 | 4,824 |
| Average earning assets | $88,006,750 | 4,746 |
| Average equity | $26,213,000 | 2,557 |
| Average total loans | $66,419,000 | 4,321 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0145% | 3,674 |
| Cost of funding earning assets | 0.4102% | 3,772 |
| Net interest margin | 3.6044% | 3,346 |
| Noninterest income to average assets | 0.0653% | 6,393 |
| Noninterest expense to average assets | 2.3495% | 5,024 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.7505% | 3,567 |
| Return on assets (ROA) | 0.7505% | 3,669 |
| Pretax return on assets | 1.1378% | 2,940 |
| Return on Equity (ROE) | 2.6467% | 5,649 |
| Retained earnings to average equity (ytd only) | 2.6467% | 4,519 |
| Net charge-offs to loans | 0.1319% | 2,344 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 12.1628% | 2,085 |
| Efficiency ratio | 67.3737% | 4,138 |
| Assets per employee ($millions) | 7.9174% | 517 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9072% | 5,705 |
| Loan loss allowance to noncurrent loans | 219.0972% | 1,975 |
| Noncurrent assets plus other real estate owned to assets | 0.3031% | 5,153 |
| Noncurrent loans to loans | 0.4140% | 4,745 |
| Net loans and leases to total assets | 72.5479% | 1,640 |
| Net loans and leases to deposits | 109.2882% | 223 |
| Net loans and leases to core deposits | 134.9604% | 180 |
| Total domestic deposits to total assets | 66.3821% | 6,472 |
| Equity capital to assets | 27.8742% | 72 |
| Core capital (leverage) ratio | 27.6006% | 70 |
| Tier 1 risk-based capital ratio | 45.5012% | 168 |
| Total risk-based capital ratio | 46.6544% | 170 |
| Memoranda: | ||
| Average total assets | $91,932,670 | 4,879 |
| Average earning assets | $87,282,670 | 4,786 |
| Average equity | $26,070,670 | 2,558 |
| Average total loans | $65,184,330 | 4,389 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9069% | 4,056 |
| Cost of funding earning assets | 0.3884% | 4,109 |
| Net interest margin | 3.5186% | 3,612 |
| Noninterest income to average assets | 0.0487% | 6,486 |
| Noninterest expense to average assets | 2.3895% | 4,959 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.6505% | 3,952 |
| Return on assets (ROA) | 0.6505% | 4,047 |
| Pretax return on assets | 0.9868% | 3,377 |
| Return on Equity (ROE) | 2.2734% | 5,720 |
| Retained earnings to average equity (ytd only) | 2.2734% | 4,695 |
| Net charge-offs to loans | 0.1968% | 1,553 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 7.1935% | 2,146 |
| Efficiency ratio | 70.7733% | 3,689 |
| Assets per employee ($millions) | 8.4689% | 404 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9653% | 5,651 |
| Loan loss allowance to noncurrent loans | 165.2956% | 2,469 |
| Noncurrent assets plus other real estate owned to assets | 0.4176% | 4,883 |
| Noncurrent loans to loans | 0.5840% | 4,408 |
| Net loans and leases to total assets | 70.8162% | 1,752 |
| Net loans and leases to deposits | 111.0903% | 136 |
| Net loans and leases to core deposits | 124.2626% | 251 |
| Total domestic deposits to total assets | 63.7465% | 6,589 |
| Equity capital to assets | 27.9697% | 75 |
| Core capital (leverage) ratio | 29.9689% | 65 |
| Tier 1 risk-based capital ratio | 49.9309% | 135 |
| Total risk-based capital ratio | 51.2263% | 133 |
| Memoranda: | ||
| Average total assets | $90,394,500 | 4,960 |
| Average earning assets | $85,489,500 | 4,883 |
| Average equity | $25,864,500 | 2,567 |
| Average total loans | $62,997,500 | 4,497 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9671% | 4,209 |
| Cost of funding earning assets | 0.4991% | 3,622 |
| Net interest margin | 3.4680% | 4,034 |
| Noninterest income to average assets | 0.2864% | 5,311 |
| Noninterest expense to average assets | 2.3451% | 5,250 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.8116% | 3,234 |
| Return on assets (ROA) | 0.8116% | 3,328 |
| Pretax return on assets | 1.2180% | 2,509 |
| Return on Equity (ROE) | 2.7077% | 5,614 |
| Retained earnings to average equity (ytd only) | 2.7077% | 4,312 |
| Net charge-offs to loans | 0.0426% | 4,617 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 43.5833% | 882 |
| Efficiency ratio | 65.8170% | 4,592 |
| Assets per employee ($millions) | 7.9665% | 478 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1350% | 4,970 |
| Loan loss allowance to noncurrent loans | 376.5363% | 1,230 |
| Noncurrent assets plus other real estate owned to assets | 0.2043% | 5,681 |
| Noncurrent loans to loans | 0.3014% | 5,281 |
| Net loans and leases to total assets | 66.9934% | 2,519 |
| Net loans and leases to deposits | 96.7135% | 689 |
| Net loans and leases to core deposits | 123.3055% | 285 |
| Total domestic deposits to total assets | 69.2700% | 6,550 |
| Equity capital to assets | 29.2967% | 70 |
| Core capital (leverage) ratio | 30.3344% | 63 |
| Tier 1 risk-based capital ratio | 58.7912% | 90 |
| Total risk-based capital ratio | 60.0830% | 89 |
| Memoranda: | ||
| Average total assets | $85,880,000 | 5,088 |
| Average earning assets | $81,141,600 | 5,008 |
| Average equity | $25,741,800 | 2,567 |
| Average total loans | $56,296,400 | 4,740 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9792% | 4,214 |
| Cost of funding earning assets | 0.5164% | 3,608 |
| Net interest margin | 3.4628% | 4,045 |
| Noninterest income to average assets | 0.3605% | 4,815 |
| Noninterest expense to average assets | 2.3391% | 5,218 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.8645% | 3,022 |
| Return on assets (ROA) | 0.8645% | 3,129 |
| Pretax return on assets | 1.2967% | 2,343 |
| Return on Equity (ROE) | 2.8675% | 5,653 |
| Retained earnings to average equity (ytd only) | 2.8675% | 4,610 |
| Net charge-offs to loans | 0.0192% | 4,750 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 103.8397% | 481 |
| Efficiency ratio | 64.3348% | 4,743 |
| Assets per employee ($millions) | 7.7592% | 517 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2156% | 4,802 |
| Loan loss allowance to noncurrent loans | 316.5138% | 1,305 |
| Noncurrent assets plus other real estate owned to assets | 0.2554% | 5,671 |
| Noncurrent loans to loans | 0.3840% | 5,245 |
| Net loans and leases to total assets | 65.6981% | 2,687 |
| Net loans and leases to deposits | 99.6765% | 480 |
| Net loans and leases to core deposits | 101.6404% | 1,017 |
| Total domestic deposits to total assets | 65.9114% | 6,709 |
| Equity capital to assets | 30.1496% | 62 |
| Core capital (leverage) ratio | 30.9611% | 59 |
| Tier 1 risk-based capital ratio | 59.6109% | 92 |
| Total risk-based capital ratio | 60.9255% | 91 |
| Memoranda: | ||
| Average total assets | $85,442,250 | 5,147 |
| Average earning assets | $80,819,000 | 5,064 |
| Average equity | $25,759,000 | 2,597 |
| Average total loans | $55,525,250 | 4,805 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9395% | 4,323 |
| Cost of funding earning assets | 0.5251% | 3,653 |
| Net interest margin | 3.4144% | 4,139 |
| Noninterest income to average assets | 0.1100% | 6,496 |
| Noninterest expense to average assets | 2.3119% | 5,333 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.6856% | 3,875 |
| Return on assets (ROA) | 0.6856% | 4,043 |
| Pretax return on assets | 1.0389% | 3,336 |
| Return on Equity (ROE) | 2.2742% | 5,866 |
| Retained earnings to average equity (ytd only) | 2.2742% | 4,833 |
| Net charge-offs to loans | -0.0073% | 5,705 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9944% | 4,010 |
| Assets per employee ($millions) | 7.7124% | 511 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2446% | 4,759 |
| Loan loss allowance to noncurrent loans | 200.5731% | 1,988 |
| Noncurrent assets plus other real estate owned to assets | 0.4114% | 5,247 |
| Noncurrent loans to loans | 0.6205% | 4,707 |
| Net loans and leases to total assets | 65.4710% | 2,682 |
| Net loans and leases to deposits | 95.8878% | 684 |
| Net loans and leases to core deposits | 97.7147% | 1,235 |
| Total domestic deposits to total assets | 68.2788% | 6,709 |
| Equity capital to assets | 30.1594% | 61 |
| Core capital (leverage) ratio | 30.1810% | 58 |
| Tier 1 risk-based capital ratio | 46.6518% | 153 |
| Total risk-based capital ratio | 47.6314% | 154 |
| Memoranda: | ||
| Average total assets | $85,472,670 | 5,173 |
| Average earning assets | $81,127,000 | 5,082 |
| Average equity | $25,767,670 | 2,603 |
| Average total loans | $55,112,330 | 4,853 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9636% | 4,252 |
| Cost of funding earning assets | 0.5340% | 3,736 |
| Net interest margin | 3.4296% | 4,010 |
| Noninterest income to average assets | 0.1399% | 6,404 |
| Noninterest expense to average assets | 2.2520% | 5,562 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.7600% | 3,379 |
| Return on assets (ROA) | 0.7600% | 3,521 |
| Pretax return on assets | 1.1516% | 2,759 |
| Return on Equity (ROE) | 2.5214% | 5,768 |
| Retained earnings to average equity (ytd only) | 2.5214% | 4,763 |
| Net charge-offs to loans | -0.0147% | 5,582 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1644% | 4,636 |
| Assets per employee ($millions) | 8.5512% | 387 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2806% | 4,795 |
| Loan loss allowance to noncurrent loans | 234.8993% | 1,651 |
| Noncurrent assets plus other real estate owned to assets | 0.3953% | 5,405 |
| Noncurrent loans to loans | 0.5451% | 5,079 |
| Net loans and leases to total assets | 63.1069% | 2,873 |
| Net loans and leases to deposits | 92.5499% | 759 |
| Net loans and leases to core deposits | 94.2949% | 1,322 |
| Total domestic deposits to total assets | 68.1869% | 6,801 |
| Equity capital to assets | 30.3174% | 64 |
| Core capital (leverage) ratio | 29.9209% | 63 |
| Tier 1 risk-based capital ratio | 57.9520% | 97 |
| Total risk-based capital ratio | 59.2563% | 96 |
| Memoranda: | ||
| Average total assets | $85,791,000 | 5,206 |
| Average earning assets | $81,642,500 | 5,096 |
| Average equity | $25,858,500 | 2,624 |
| Average total loans | $54,547,000 | 4,900 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1686% | 4,697 |
| Cost of funding earning assets | 0.6645% | 3,790 |
| Net interest margin | 3.5042% | 4,487 |
| Noninterest income to average assets | 0.0702% | 6,618 |
| Noninterest expense to average assets | 2.6424% | 4,592 |
| Loan and lease loss provision to assets | 0.1381% | 3,885 |
| Net operating income to assets | 0.3786% | 5,185 |
| Return on assets (ROA) | 0.3786% | 5,417 |
| Pretax return on assets | 0.5731% | 5,070 |
| Return on Equity (ROE) | 1.2704% | 6,069 |
| Retained earnings to average equity (ytd only) | -0.7530% | 5,985 |
| Net charge-offs to loans | 0.0300% | 5,488 |
| Credit loss provision to net charge-offs | 750.0000% | 327 |
| Earnings coverage of net charge-offs (x) | 38.6250% | 829 |
| Efficiency ratio | 78.7920% | 2,309 |
| Assets per employee ($millions) | 8.6070% | 385 |
| Cash dividends to net income (ytd only)* | 159.2705% | 192 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2824% | 4,728 |
| Loan loss allowance to noncurrent loans | 231.8937% | 1,620 |
| Noncurrent assets plus other real estate owned to assets | 0.3962% | 5,496 |
| Noncurrent loans to loans | 0.5530% | 5,145 |
| Net loans and leases to total assets | 62.4283% | 3,183 |
| Net loans and leases to deposits | 90.9725% | 983 |
| Net loans and leases to core deposits | 92.6606% | 1,581 |
| Total domestic deposits to total assets | 68.6232% | 6,836 |
| Equity capital to assets | 29.9663% | 65 |
| Core capital (leverage) ratio | 29.5487% | 63 |
| Tier 1 risk-based capital ratio | 56.7306% | 108 |
| Total risk-based capital ratio | 57.9845% | 106 |
| Memoranda: | ||
| Average total assets | $86,890,200 | 5,162 |
| Average earning assets | $81,417,400 | 5,090 |
| Average equity | $25,897,800 | 2,582 |
| Average total loans | $53,314,800 | 4,973 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2105% | 4,784 |
| Cost of funding earning assets | 0.6919% | 3,839 |
| Net interest margin | 3.5186% | 4,571 |
| Noninterest income to average assets | -0.0061% | 6,957 |
| Noninterest expense to average assets | 2.5948% | 4,764 |
| Loan and lease loss provision to assets | 0.1837% | 3,290 |
| Net operating income to assets | 0.3245% | 5,527 |
| Return on assets (ROA) | 0.3245% | 5,730 |
| Pretax return on assets | 0.5006% | 5,465 |
| Return on Equity (ROE) | 1.0903% | 6,234 |
| Retained earnings to average equity (ytd only) | -1.6046% | 6,347 |
| Net charge-offs to loans | 0.1207% | 4,168 |
| Credit loss provision to net charge-offs | 250.0000% | 1,095 |
| Earnings coverage of net charge-offs (x) | 9.3123% | 2,337 |
| Efficiency ratio | 79.1317% | 2,221 |
| Assets per employee ($millions) | 7.8364% | 512 |
| Cash dividends to net income (ytd only)* | 247.1697% | 38 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2670% | 4,965 |
| Loan loss allowance to noncurrent loans | 217.6471% | 1,649 |
| Noncurrent assets plus other real estate owned to assets | 0.4014% | 5,687 |
| Noncurrent loans to loans | 0.5821% | 5,275 |
| Net loans and leases to total assets | 60.2100% | 3,735 |
| Net loans and leases to deposits | 87.6351% | 1,398 |
| Net loans and leases to core deposits | 89.6514% | 2,030 |
| Total domestic deposits to total assets | 68.7053% | 6,894 |
| Equity capital to assets | 29.8295% | 70 |
| Core capital (leverage) ratio | 29.2491% | 67 |
| Tier 1 risk-based capital ratio | 55.4012% | 113 |
| Total risk-based capital ratio | 56.4982% | 110 |
| Memoranda: | ||
| Average total assets | $87,095,250 | 5,206 |
| Average earning assets | $81,317,750 | 5,131 |
| Average equity | $25,924,250 | 2,597 |
| Average total loans | $53,036,000 | 5,034 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3197% | 4,490 |
| Cost of funding earning assets | 0.7191% | 3,865 |
| Net interest margin | 3.6006% | 4,255 |
| Noninterest income to average assets | 0.0046% | 6,978 |
| Noninterest expense to average assets | 2.7531% | 4,208 |
| Loan and lease loss provision to assets | 0.2060% | 3,011 |
| Net operating income to assets | 0.2746% | 5,694 |
| Return on assets (ROA) | 0.2746% | 5,887 |
| Pretax return on assets | 0.4142% | 5,676 |
| Return on Equity (ROE) | 0.9233% | 6,312 |
| Retained earnings to average equity (ytd only) | 0.9233% | 5,702 |
| Net charge-offs to loans | 0.1429% | 3,774 |
| Credit loss provision to net charge-offs | 236.8421% | 1,209 |
| Earnings coverage of net charge-offs (x) | 7.1316% | 2,524 |
| Efficiency ratio | 81.6147% | 1,944 |
| Assets per employee ($millions) | 9.6832% | 259 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2060% | 5,328 |
| Loan loss allowance to noncurrent loans | 61.2903% | 4,582 |
| Noncurrent assets plus other real estate owned to assets | 1.5043% | 3,444 |
| Noncurrent loans to loans | 1.9677% | 2,980 |
| Net loans and leases to total assets | 60.7236% | 3,678 |
| Net loans and leases to deposits | 88.5542% | 1,312 |
| Net loans and leases to core deposits | 90.5653% | 1,925 |
| Total domestic deposits to total assets | 68.5722% | 6,973 |
| Equity capital to assets | 29.9177% | 68 |
| Core capital (leverage) ratio | 29.4737% | 64 |
| Tier 1 risk-based capital ratio | 60.4927% | 94 |
| Total risk-based capital ratio | 61.7454% | 93 |
| Memoranda: | ||
| Average total assets | $87,393,670 | 5,243 |
| Average earning assets | $81,764,330 | 5,160 |
| Average equity | $25,994,670 | 2,569 |
| Average total loans | $53,192,330 | 5,060 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3469% | 4,532 |
| Cost of funding earning assets | 0.7680% | 3,712 |
| Net interest margin | 3.5789% | 4,353 |
| Noninterest income to average assets | -0.0503% | 7,141 |
| Noninterest expense to average assets | 2.3950% | 5,489 |
| Loan and lease loss provision to assets | 0.2057% | 2,893 |
| Net operating income to assets | 0.4433% | 5,066 |
| Return on assets (ROA) | 0.4433% | 5,256 |
| Pretax return on assets | 0.6719% | 4,879 |
| Return on Equity (ROE) | 1.4949% | 6,224 |
| Retained earnings to average equity (ytd only) | 1.4949% | 5,492 |
| Net charge-offs to loans | 0.2943% | 2,487 |
| Credit loss provision to net charge-offs | 115.3846% | 2,043 |
| Earnings coverage of net charge-offs (x) | 4.9231% | 2,477 |
| Efficiency ratio | 73.1844% | 3,227 |
| Assets per employee ($millions) | 9.7357% | 258 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1369% | 5,770 |
| Loan loss allowance to noncurrent loans | 56.7108% | 4,700 |
| Noncurrent assets plus other real estate owned to assets | 1.7256% | 3,274 |
| Noncurrent loans to loans | 2.0047% | 3,158 |
| Net loans and leases to total assets | 59.5485% | 3,765 |
| Net loans and leases to deposits | 86.5405% | 1,351 |
| Net loans and leases to core deposits | 88.8679% | 1,967 |
| Total domestic deposits to total assets | 68.8100% | 7,028 |
| Equity capital to assets | 29.6413% | 65 |
| Core capital (leverage) ratio | 29.6334% | 64 |
| Tier 1 risk-based capital ratio | 60.4615% | 93 |
| Total risk-based capital ratio | 61.7123% | 91 |
| Memoranda: | ||
| Average total assets | $87,516,000 | 5,277 |
| Average earning assets | $81,253,500 | 5,212 |
| Average equity | $25,955,500 | 2,575 |
| Average total loans | $53,005,500 | 5,102 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4640% | 5,206 |
| Cost of funding earning assets | 0.9171% | 3,985 |
| Net interest margin | 3.5469% | 4,953 |
| Noninterest income to average assets | -0.0733% | 7,083 |
| Noninterest expense to average assets | 2.2060% | 6,254 |
| Loan and lease loss provision to assets | 0.4270% | 2,456 |
| Net operating income to assets | 0.4631% | 4,574 |
| Return on assets (ROA) | 0.4631% | 4,775 |
| Pretax return on assets | 0.6236% | 4,616 |
| Return on Equity (ROE) | 1.5459% | 5,829 |
| Retained earnings to average equity (ytd only) | 1.1575% | 5,313 |
| Net charge-offs to loans | 0.7248% | 2,339 |
| Credit loss provision to net charge-offs | 96.5789% | 3,731 |
| Earnings coverage of net charge-offs (x) | 2.3763% | 4,030 |
| Efficiency ratio | 67.7385% | 4,412 |
| Assets per employee ($millions) | 9.7123% | 258 |
| Cash dividends to net income (ytd only)* | 25.1256% | 3,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1158% | 5,764 |
| Loan loss allowance to noncurrent loans | 52.6129% | 4,881 |
| Noncurrent assets plus other real estate owned to assets | 1.7172% | 3,376 |
| Noncurrent loans to loans | 2.1208% | 3,042 |
| Net loans and leases to total assets | 60.2213% | 3,948 |
| Net loans and leases to deposits | 87.4622% | 1,457 |
| Net loans and leases to core deposits | 89.8110% | 2,154 |
| Total domestic deposits to total assets | 68.8540% | 7,039 |
| Equity capital to assets | 29.6748% | 70 |
| Core capital (leverage) ratio | 29.5848% | 66 |
| Tier 1 risk-based capital ratio | 56.9262% | 105 |
| Total risk-based capital ratio | 58.1771% | 105 |
| Memoranda: | ||
| Average total assets | $85,948,800 | 5,291 |
| Average earning assets | $80,690,800 | 5,210 |
| Average equity | $25,745,600 | 2,505 |
| Average total loans | $52,430,600 | 5,173 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4712% | 5,340 |
| Cost of funding earning assets | 0.9356% | 4,153 |
| Net interest margin | 3.5356% | 5,040 |
| Noninterest income to average assets | -0.0592% | 7,173 |
| Noninterest expense to average assets | 2.2340% | 6,206 |
| Loan and lease loss provision to assets | 0.4596% | 2,162 |
| Net operating income to assets | 0.4502% | 4,774 |
| Return on assets (ROA) | 0.4502% | 4,964 |
| Pretax return on assets | 0.5795% | 4,884 |
| Return on Equity (ROE) | 1.4995% | 5,937 |
| Retained earnings to average equity (ytd only) | 1.4995% | 5,384 |
| Net charge-offs to loans | 0.7429% | 2,078 |
| Credit loss provision to net charge-offs | 101.3746% | 3,305 |
| Earnings coverage of net charge-offs (x) | 2.2921% | 3,982 |
| Efficiency ratio | 68.2532% | 4,269 |
| Assets per employee ($millions) | 9.5437% | 285 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1702% | 5,589 |
| Loan loss allowance to noncurrent loans | 44.7619% | 5,337 |
| Noncurrent assets plus other real estate owned to assets | 2.0363% | 3,099 |
| Noncurrent loans to loans | 2.6143% | 2,655 |
| Net loans and leases to total assets | 60.0759% | 4,116 |
| Net loans and leases to deposits | 87.8464% | 1,452 |
| Net loans and leases to core deposits | 91.1485% | 2,100 |
| Total domestic deposits to total assets | 68.3874% | 7,124 |
| Equity capital to assets | 30.1922% | 79 |
| Core capital (leverage) ratio | 29.9897% | 76 |
| Tier 1 risk-based capital ratio | 57.6872% | 118 |
| Total risk-based capital ratio | 58.9394% | 117 |
| Memoranda: | ||
| Average total assets | $85,583,250 | 5,337 |
| Average earning assets | $80,663,250 | 5,255 |
| Average equity | $25,697,250 | 2,511 |
| Average total loans | $52,229,750 | 5,224 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5604% | 5,136 |
| Cost of funding earning assets | 0.9581% | 4,261 |
| Net interest margin | 3.6023% | 4,711 |
| Noninterest income to average assets | 0.0562% | 7,022 |
| Noninterest expense to average assets | 2.1689% | 6,457 |
| Loan and lease loss provision to assets | 0.4445% | 2,214 |
| Net operating income to assets | 0.5592% | 4,268 |
| Return on assets (ROA) | 0.5592% | 4,392 |
| Pretax return on assets | 0.8470% | 3,845 |
| Return on Equity (ROE) | 1.8658% | 5,836 |
| Retained earnings to average equity (ytd only) | 1.8658% | 5,048 |
| Net charge-offs to loans | 0.7428% | 2,018 |
| Credit loss provision to net charge-offs | 97.9381% | 3,223 |
| Earnings coverage of net charge-offs (x) | 2.8454% | 3,423 |
| Efficiency ratio | 62.6775% | 5,461 |
| Assets per employee ($millions) | 9.4738% | 277 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1366% | 5,809 |
| Loan loss allowance to noncurrent loans | 40.8260% | 5,596 |
| Noncurrent assets plus other real estate owned to assets | 2.3421% | 2,814 |
| Noncurrent loans to loans | 2.7841% | 2,615 |
| Net loans and leases to total assets | 61.5125% | 3,984 |
| Net loans and leases to deposits | 90.2984% | 1,240 |
| Net loans and leases to core deposits | 93.7191% | 1,931 |
| Total domestic deposits to total assets | 68.1214% | 7,186 |
| Equity capital to assets | 30.2261% | 83 |
| Core capital (leverage) ratio | 30.1175% | 79 |
| Tier 1 risk-based capital ratio | 60.9146% | 105 |
| Total risk-based capital ratio | 62.1665% | 102 |
| Memoranda: | ||
| Average total assets | $85,480,000 | 5,383 |
| Average earning assets | $80,782,000 | 5,296 |
| Average equity | $25,618,670 | 2,499 |
| Average total loans | $52,235,670 | 5,274 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4956% | 5,351 |
| Cost of funding earning assets | 0.9842% | 4,314 |
| Net interest margin | 3.5114% | 4,955 |
| Noninterest income to average assets | 0.0795% | 6,996 |
| Noninterest expense to average assets | 2.2433% | 6,318 |
| Loan and lease loss provision to assets | 0.2103% | 3,542 |
| Net operating income to assets | 0.6216% | 3,915 |
| Return on assets (ROA) | 0.6216% | 3,984 |
| Pretax return on assets | 0.9441% | 3,343 |
| Return on Equity (ROE) | 2.0828% | 5,757 |
| Retained earnings to average equity (ytd only) | 2.0828% | 4,890 |
| Net charge-offs to loans | 0.8490% | 1,555 |
| Credit loss provision to net charge-offs | 40.9091% | 3,927 |
| Earnings coverage of net charge-offs (x) | 2.2455% | 3,195 |
| Efficiency ratio | 66.0248% | 5,036 |
| Assets per employee ($millions) | 9.5231% | 284 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0147% | 6,339 |
| Loan loss allowance to noncurrent loans | 38.2228% | 5,748 |
| Noncurrent assets plus other real estate owned to assets | 2.2600% | 2,993 |
| Noncurrent loans to loans | 2.6548% | 2,835 |
| Net loans and leases to total assets | 61.6874% | 3,925 |
| Net loans and leases to deposits | 90.3345% | 1,193 |
| Net loans and leases to core deposits | 93.7180% | 1,928 |
| Total domestic deposits to total assets | 68.2877% | 7,256 |
| Equity capital to assets | 29.8595% | 78 |
| Core capital (leverage) ratio | 29.9110% | 78 |
| Tier 1 risk-based capital ratio | 55.5947% | 126 |
| Total risk-based capital ratio | 56.7746% | 121 |
| Memoranda: | ||
| Average total assets | $85,588,000 | 5,420 |
| Average earning assets | $80,879,000 | 5,329 |
| Average equity | $25,542,000 | 2,490 |
| Average total loans | $51,828,000 | 5,336 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6265% | 6,034 |
| Cost of funding earning assets | 1.1312% | 4,962 |
| Net interest margin | 3.4953% | 5,261 |
| Noninterest income to average assets | 0.0359% | 7,173 |
| Noninterest expense to average assets | 2.4811% | 5,857 |
| Loan and lease loss provision to assets | 0.6062% | 2,710 |
| Net operating income to assets | 0.1881% | 5,306 |
| Return on assets (ROA) | 0.1881% | 5,482 |
| Pretax return on assets | 0.2839% | 5,276 |
| Return on Equity (ROE) | 0.6147% | 5,806 |
| Retained earnings to average equity (ytd only) | 0.6147% | 5,269 |
| Net charge-offs to loans | 1.2130% | 1,847 |
| Credit loss provision to net charge-offs | 80.1902% | 5,559 |
| Earnings coverage of net charge-offs (x) | 1.1775% | 4,927 |
| Efficiency ratio | 73.5963% | 3,474 |
| Assets per employee ($millions) | 9.4964% | 286 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2081% | 5,471 |
| Loan loss allowance to noncurrent loans | 29.2108% | 6,340 |
| Noncurrent assets plus other real estate owned to assets | 2.5331% | 2,737 |
| Noncurrent loans to loans | 4.1359% | 1,750 |
| Net loans and leases to total assets | 58.0755% | 5,015 |
| Net loans and leases to deposits | 84.9801% | 2,283 |
| Net loans and leases to core deposits | 87.7395% | 3,089 |
| Total domestic deposits to total assets | 68.3402% | 7,313 |
| Equity capital to assets | 29.8264% | 83 |
| Core capital (leverage) ratio | 29.9470% | 85 |
| Tier 1 risk-based capital ratio | 61.3416% | 101 |
| Total risk-based capital ratio | 62.5948% | 101 |
| Memoranda: | ||
| Average total assets | $83,469,400 | 5,487 |
| Average earning assets | $79,649,200 | 5,361 |
| Average equity | $25,539,000 | 2,497 |
| Average total loans | $52,018,200 | 5,400 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7904% | 5,703 |
| Cost of funding earning assets | 1.1559% | 5,112 |
| Net interest margin | 3.6345% | 4,707 |
| Noninterest income to average assets | 0.0370% | 7,336 |
| Noninterest expense to average assets | 2.4796% | 5,782 |
| Loan and lease loss provision to assets | 0.7665% | 1,995 |
| Net operating income to assets | 0.1591% | 5,621 |
| Return on assets (ROA) | 0.1591% | 5,776 |
| Pretax return on assets | 0.2571% | 5,597 |
| Return on Equity (ROE) | 0.5166% | 6,007 |
| Retained earnings to average equity (ytd only) | 0.5166% | 5,590 |
| Net charge-offs to loans | 1.2758% | 1,600 |
| Credit loss provision to net charge-offs | 95.0199% | 4,563 |
| Earnings coverage of net charge-offs (x) | 1.2689% | 4,807 |
| Efficiency ratio | 70.7798% | 3,923 |
| Assets per employee ($millions) | 9.3724% | 306 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3850% | 4,551 |
| Loan loss allowance to noncurrent loans | 33.6827% | 6,084 |
| Noncurrent assets plus other real estate owned to assets | 2.6247% | 2,755 |
| Noncurrent loans to loans | 4.1118% | 1,796 |
| Net loans and leases to total assets | 59.6797% | 4,970 |
| Net loans and leases to deposits | 87.9472% | 2,014 |
| Net loans and leases to core deposits | 90.4470% | 3,035 |
| Total domestic deposits to total assets | 67.8585% | 7,387 |
| Equity capital to assets | 30.2720% | 85 |
| Core capital (leverage) ratio | 30.1426% | 84 |
| Tier 1 risk-based capital ratio | 57.4466% | 121 |
| Total risk-based capital ratio | 58.6999% | 118 |
| Memoranda: | ||
| Average total assets | $82,969,750 | 5,565 |
| Average earning assets | $79,129,250 | 5,431 |
| Average equity | $25,550,750 | 2,538 |
| Average total loans | $52,462,000 | 5,465 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8658% | 5,555 |
| Cost of funding earning assets | 1.1891% | 5,191 |
| Net interest margin | 3.6767% | 4,467 |
| Noninterest income to average assets | 0.0364% | 7,404 |
| Noninterest expense to average assets | 2.4143% | 6,027 |
| Loan and lease loss provision to assets | 0.1333% | 5,555 |
| Net operating income to assets | 0.6569% | 3,598 |
| Return on assets (ROA) | 0.6569% | 3,751 |
| Pretax return on assets | 0.9963% | 3,132 |
| Return on Equity (ROE) | 2.1208% | 5,598 |
| Retained earnings to average equity (ytd only) | 2.1208% | 4,796 |
| Net charge-offs to loans | 1.4849% | 1,287 |
| Credit loss provision to net charge-offs | 13.9949% | 5,906 |
| Earnings coverage of net charge-offs (x) | 1.1858% | 4,614 |
| Efficiency ratio | 68.1259% | 4,561 |
| Assets per employee ($millions) | 9.1806% | 324 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7563% | 7,129 |
| Loan loss allowance to noncurrent loans | 17.1678% | 7,068 |
| Noncurrent assets plus other real estate owned to assets | 2.7776% | 2,605 |
| Noncurrent loans to loans | 4.4056% | 1,661 |
| Net loans and leases to total assets | 62.5707% | 4,566 |
| Net loans and leases to deposits | 93.1665% | 1,377 |
| Net loans and leases to core deposits | 95.8898% | 2,450 |
| Total domestic deposits to total assets | 67.1601% | 7,471 |
| Equity capital to assets | 31.1322% | 76 |
| Core capital (leverage) ratio | 30.4669% | 81 |
| Tier 1 risk-based capital ratio | 55.5773% | 130 |
| Total risk-based capital ratio | 56.4354% | 130 |
| Memoranda: | ||
| Average total assets | $82,509,000 | 5,608 |
| Average earning assets | $78,712,670 | 5,485 |
| Average equity | $25,556,000 | 2,531 |
| Average total loans | $52,933,330 | 5,468 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9250% | 5,327 |
| Cost of funding earning assets | 1.2148% | 5,313 |
| Net interest margin | 3.7102% | 4,189 |
| Noninterest income to average assets | 0.0291% | 7,562 |
| Noninterest expense to average assets | 2.4839% | 5,790 |
| Loan and lease loss provision to assets | 0.1067% | 5,559 |
| Net operating income to assets | 0.6549% | 3,636 |
| Return on assets (ROA) | 0.6549% | 3,752 |
| Pretax return on assets | 0.9945% | 3,116 |
| Return on Equity (ROE) | 2.1199% | 5,719 |
| Retained earnings to average equity (ytd only) | 2.1199% | 4,864 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2828% | 4,451 |
| Assets per employee ($millions) | 9.2484% | 330 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4107% | 4,365 |
| Loan loss allowance to noncurrent loans | 33.5111% | 6,168 |
| Noncurrent assets plus other real estate owned to assets | 2.7032% | 2,693 |
| Noncurrent loans to loans | 4.2095% | 1,831 |
| Net loans and leases to total assets | 63.3091% | 4,469 |
| Net loans and leases to deposits | 93.5521% | 1,397 |
| Net loans and leases to core deposits | 96.6757% | 2,503 |
| Total domestic deposits to total assets | 67.6726% | 7,546 |
| Equity capital to assets | 30.7019% | 79 |
| Core capital (leverage) ratio | 30.7773% | 83 |
| Tier 1 risk-based capital ratio | 55.6493% | 126 |
| Total risk-based capital ratio | 56.9093% | 124 |
| Memoranda: | ||
| Average total assets | $82,451,000 | 5,685 |
| Average earning assets | $79,025,000 | 5,541 |
| Average equity | $25,472,500 | 2,567 |
| Average total loans | $53,353,500 | 5,523 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0360% | 6,319 |
| Cost of funding earning assets | 1.5599% | 5,226 |
| Net interest margin | 3.4761% | 5,060 |
| Noninterest income to average assets | 0.0368% | 7,565 |
| Noninterest expense to average assets | 2.2177% | 6,946 |
| Loan and lease loss provision to assets | 1.2757% | 1,811 |
| Net operating income to assets | -0.0699% | 5,625 |
| Return on assets (ROA) | -0.0699% | 5,644 |
| Pretax return on assets | -0.1055% | 5,610 |
| Return on Equity (ROE) | -0.2253% | 5,575 |
| Retained earnings to average equity (ytd only) | -0.2253% | 4,996 |
| Net charge-offs to loans | 1.1640% | 2,101 |
| Credit loss provision to net charge-offs | 164.2970% | 2,654 |
| Earnings coverage of net charge-offs (x) | 1.5071% | 4,617 |
| Efficiency ratio | 65.4598% | 5,497 |
| Assets per employee ($millions) | 9.0740% | 345 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3745% | 4,371 |
| Loan loss allowance to noncurrent loans | 27.6644% | 6,625 |
| Noncurrent assets plus other real estate owned to assets | 3.2400% | 2,119 |
| Noncurrent loans to loans | 4.9684% | 1,364 |
| Net loans and leases to total assets | 64.3169% | 4,532 |
| Net loans and leases to deposits | 95.6565% | 1,371 |
| Net loans and leases to core deposits | 116.0722% | 2,312 |
| Total domestic deposits to total assets | 67.2373% | 7,593 |
| Equity capital to assets | 31.0900% | 93 |
| Core capital (leverage) ratio | 30.8387% | 93 |
| Tier 1 risk-based capital ratio | 53.3519% | 140 |
| Total risk-based capital ratio | 54.6150% | 138 |
| Memoranda: | ||
| Average total assets | $81,526,000 | 5,684 |
| Average earning assets | $78,593,800 | 5,504 |
| Average equity | $25,301,000 | 2,582 |
| Average total loans | $54,382,200 | 5,488 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1004% | 6,266 |
| Cost of funding earning assets | 1.6149% | 5,334 |
| Net interest margin | 3.4855% | 4,922 |
| Noninterest income to average assets | 0.0409% | 7,686 |
| Noninterest expense to average assets | 2.1810% | 7,025 |
| Loan and lease loss provision to assets | 1.6852% | 1,103 |
| Net operating income to assets | -0.3125% | 6,218 |
| Return on assets (ROA) | -0.3125% | 6,228 |
| Pretax return on assets | -0.4565% | 6,251 |
| Return on Equity (ROE) | -1.0074% | 5,931 |
| Retained earnings to average equity (ytd only) | -1.0074% | 5,491 |
| Net charge-offs to loans | 0.0098% | 6,803 |
| Credit loss provision to net charge-offs | 25,750.0000% | 7 |
| Earnings coverage of net charge-offs (x) | 187.8630% | 208 |
| Efficiency ratio | 63.9635% | 5,762 |
| Assets per employee ($millions) | 9.1312% | 352 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4937% | 1,068 |
| Loan loss allowance to noncurrent loans | 31.1937% | 6,368 |
| Noncurrent assets plus other real estate owned to assets | 5.2701% | 1,101 |
| Noncurrent loans to loans | 7.9943% | 610 |
| Net loans and leases to total assets | 64.2788% | 4,804 |
| Net loans and leases to deposits | 95.2969% | 1,669 |
| Net loans and leases to core deposits | 114.7521% | 2,755 |
| Total domestic deposits to total assets | 67.4511% | 7,611 |
| Equity capital to assets | 30.8149% | 109 |
| Core capital (leverage) ratio | 31.4235% | 114 |
| Tier 1 risk-based capital ratio | 47.7698% | 186 |
| Total risk-based capital ratio | 49.0494% | 183 |
| Memoranda: | ||
| Average total assets | $81,491,000 | 5,712 |
| Average earning assets | $78,763,000 | 5,533 |
| Average equity | $25,278,750 | 2,605 |
| Average total loans | $54,663,500 | 5,533 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2156% | 6,025 |
| Cost of funding earning assets | 1.6724% | 5,404 |
| Net interest margin | 3.5433% | 4,602 |
| Noninterest income to average assets | 0.0369% | 7,806 |
| Noninterest expense to average assets | 2.0354% | 7,398 |
| Loan and lease loss provision to assets | 1.3783% | 1,253 |
| Net operating income to assets | -0.3864% | 6,435 |
| Return on assets (ROA) | -0.3864% | 6,442 |
| Pretax return on assets | 0.0492% | 5,779 |
| Return on Equity (ROE) | -1.2429% | 6,112 |
| Retained earnings to average equity (ytd only) | -1.2429% | 5,552 |
| Net charge-offs to loans | 0.0146% | 6,334 |
| Credit loss provision to net charge-offs | 14,000.0000% | 32 |
| Earnings coverage of net charge-offs (x) | 145.0000% | 279 |
| Efficiency ratio | 58.7775% | 6,725 |
| Assets per employee ($millions) | 9.1112% | 339 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6356% | 2,593 |
| Loan loss allowance to noncurrent loans | 16.7459% | 7,298 |
| Noncurrent assets plus other real estate owned to assets | 6.4158% | 719 |
| Noncurrent loans to loans | 9.7674% | 368 |
| Net loans and leases to total assets | 64.6114% | 4,854 |
| Net loans and leases to deposits | 95.7616% | 1,836 |
| Net loans and leases to core deposits | 115.1582% | 2,791 |
| Total domestic deposits to total assets | 67.4711% | 7,653 |
| Equity capital to assets | 30.8752% | 126 |
| Core capital (leverage) ratio | 30.7178% | 134 |
| Tier 1 risk-based capital ratio | 62.7369% | 126 |
| Total risk-based capital ratio | 63.9986% | 124 |
| Memoranda: | ||
| Average total assets | $81,261,000 | 5,749 |
| Average earning assets | $78,571,330 | 5,577 |
| Average equity | $25,263,670 | 2,617 |
| Average total loans | $54,826,000 | 5,567 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2750% | 6,006 |
| Cost of funding earning assets | 1.7412% | 5,406 |
| Net interest margin | 3.5337% | 4,598 |
| Noninterest income to average assets | 0.0396% | 7,887 |
| Noninterest expense to average assets | 2.0966% | 7,121 |
| Loan and lease loss provision to assets | 2.6208% | 430 |
| Net operating income to assets | -1.6763% | 7,568 |
| Return on assets (ROA) | -1.6763% | 7,568 |
| Pretax return on assets | -1.2659% | 7,280 |
| Return on Equity (ROE) | -5.3732% | 7,006 |
| Retained earnings to average equity (ytd only) | -5.3732% | 6,606 |
| Net charge-offs to loans | 0.0289% | 5,121 |
| Credit loss provision to net charge-offs | 13,250.0000% | 40 |
| Earnings coverage of net charge-offs (x) | 68.5000% | 583 |
| Efficiency ratio | 60.7450% | 6,286 |
| Assets per employee ($millions) | 9.0242% | 354 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5236% | 2,843 |
| Loan loss allowance to noncurrent loans | 25.0147% | 6,898 |
| Noncurrent assets plus other real estate owned to assets | 4.1887% | 1,199 |
| Noncurrent loans to loans | 6.0907% | 780 |
| Net loans and leases to total assets | 67.7251% | 4,203 |
| Net loans and leases to deposits | 100.4804% | 1,345 |
| Net loans and leases to core deposits | 120.5906% | 2,364 |
| Total domestic deposits to total assets | 67.4013% | 7,642 |
| Equity capital to assets | 30.9106% | 134 |
| Core capital (leverage) ratio | 30.8786% | 145 |
| Tier 1 risk-based capital ratio | 57.4854% | 152 |
| Total risk-based capital ratio | 58.2932% | 150 |
| Memoranda: | ||
| Average total assets | $80,891,000 | 5,791 |
| Average earning assets | $78,105,000 | 5,620 |
| Average equity | $25,236,500 | 2,626 |
| Average total loans | $55,307,500 | 5,576 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5427% | 7,204 |
| Cost of funding earning assets | 2.1748% | 5,704 |
| Net interest margin | 3.3679% | 5,792 |
| Noninterest income to average assets | -0.0012% | 8,150 |
| Noninterest expense to average assets | 1.9891% | 7,461 |
| Loan and lease loss provision to assets | 0.0929% | 6,203 |
| Net operating income to assets | 0.7746% | 3,552 |
| Return on assets (ROA) | 0.7746% | 3,390 |
| Pretax return on assets | 1.1736% | 2,750 |
| Return on Equity (ROE) | 2.4764% | 5,431 |
| Retained earnings to average equity (ytd only) | 2.4764% | 3,656 |
| Net charge-offs to loans | 0.1530% | 4,669 |
| Credit loss provision to net charge-offs | 90.3614% | 5,675 |
| Earnings coverage of net charge-offs (x) | 12.3133% | 2,262 |
| Efficiency ratio | 61.0963% | 6,141 |
| Assets per employee ($millions) | 8.9516% | 352 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5935% | 7,690 |
| Loan loss allowance to noncurrent loans | 14.9083% | 7,394 |
| Noncurrent assets plus other real estate owned to assets | 2.7059% | 1,748 |
| Noncurrent loans to loans | 3.9811% | 1,239 |
| Net loans and leases to total assets | 67.5662% | 4,541 |
| Net loans and leases to deposits | 100.9102% | 1,726 |
| Net loans and leases to core deposits | 120.3919% | 2,648 |
| Total domestic deposits to total assets | 66.9567% | 7,580 |
| Equity capital to assets | 31.4880% | 158 |
| Core capital (leverage) ratio | 31.4395% | 167 |
| Tier 1 risk-based capital ratio | 62.8463% | 147 |
| Total risk-based capital ratio | 63.6531% | 146 |
| Memoranda: | ||
| Average total assets | $80,691,000 | 5,677 |
| Average earning assets | $78,030,400 | 5,501 |
| Average equity | $25,238,200 | 2,623 |
| Average total loans | $54,262,000 | 5,515 |