Home > Village Bank > Performance and Condition Ratios
Village 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 | 4.8508% | 2,377 |
| Cost of funding earning assets | 0.9990% | 3,296 |
| Net interest margin | 3.8518% | 1,470 |
| Noninterest income to average assets | 0.6600% | 1,324 |
| Noninterest expense to average assets | 3.1206% | 929 |
| Loan and lease loss provision to assets | 0.0100% | 2,964 |
| Net operating income to assets | 0.9700% | 2,308 |
| Return on assets (ROA) | 0.3930% | 3,877 |
| Pretax return on assets | 0.4617% | 3,874 |
| Return on Equity (ROE) | 3.9200% | 3,897 |
| Retained earnings to average equity (ytd only) | 1.2370% | 3,775 |
| Net charge-offs to loans | -0.0284% | 4,255 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 73.1153% | 1,544 |
| Assets per employee ($millions) | 5.1375% | 3,527 |
| Cash dividends to net income (ytd only)* | 68.4338% | 897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5902% | 4,260 |
| Loan loss allowance to noncurrent loans | 135.8873% | 2,966 |
| Noncurrent assets plus other real estate owned to assets | 0.3429% | 1,592 |
| Noncurrent loans to loans | 0.4343% | 1,696 |
| Net loans and leases to total assets | 78.4800% | 816 |
| Net loans and leases to deposits | 94.9848% | 867 |
| Net loans and leases to core deposits | 96.4377% | 1,628 |
| Total domestic deposits to total assets | 82.6200% | 2,981 |
| Equity capital to assets | 10.5015% | 1,721 |
| Core capital (leverage) ratio | 11.1443% | 1,871 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4893% | 1,691 |
| Memoranda: | ||
| Average total assets | $734,420,000 | 1,263 |
| Average earning assets | $688,588,600 | 1,256 |
| Average equity | $73,645,800 | 1,200 |
| Average total loans | $559,387,800 | 1,136 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6931% | 2,484 |
| Cost of funding earning assets | 0.9165% | 3,230 |
| Net interest margin | 3.7766% | 1,647 |
| Noninterest income to average assets | 0.6700% | 1,281 |
| Noninterest expense to average assets | 3.1312% | 894 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.0399% | 2,249 |
| Return on assets (ROA) | 0.1708% | 4,280 |
| Pretax return on assets | 0.1772% | 4,280 |
| Return on Equity (ROE) | 1.7200% | 4,239 |
| Retained earnings to average equity (ytd only) | -0.9418% | 4,246 |
| Net charge-offs to loans | -0.0390% | 4,314 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 74.3106% | 1,338 |
| Assets per employee ($millions) | 5.1509% | 3,476 |
| Cash dividends to net income (ytd only)* | 154.6227% | 53 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5867% | 4,284 |
| Loan loss allowance to noncurrent loans | 122.1939% | 3,033 |
| Noncurrent assets plus other real estate owned to assets | 0.3778% | 1,521 |
| Noncurrent loans to loans | 0.4801% | 1,622 |
| Net loans and leases to total assets | 78.2300% | 853 |
| Net loans and leases to deposits | 90.4017% | 1,203 |
| Net loans and leases to core deposits | 92.1334% | 1,786 |
| Total domestic deposits to total assets | 86.5400% | 2,028 |
| Equity capital to assets | 10.0896% | 1,775 |
| Core capital (leverage) ratio | 10.7449% | 2,187 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1899% | 1,823 |
| Memoranda: | ||
| Average total assets | $734,358,750 | 1,260 |
| Average earning assets | $688,253,750 | 1,251 |
| Average equity | $72,769,500 | 1,208 |
| Average total loans | $554,237,000 | 1,139 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5490% | 2,527 |
| Cost of funding earning assets | 0.7742% | 3,284 |
| Net interest margin | 3.7748% | 1,671 |
| Noninterest income to average assets | 0.6600% | 1,238 |
| Noninterest expense to average assets | 3.1276% | 873 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.8784% | 2,827 |
| Return on assets (ROA) | 0.8784% | 2,818 |
| Pretax return on assets | 1.0740% | 2,712 |
| Return on Equity (ROE) | 8.9200% | 3,008 |
| Retained earnings to average equity (ytd only) | 6.2452% | 2,528 |
| Net charge-offs to loans | -0.0044% | 3,683 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 74.4381% | 1,303 |
| Assets per employee ($millions) | 5.1299% | 3,478 |
| Cash dividends to net income (ytd only)* | 29.9660% | 2,081 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5783% | 4,323 |
| Loan loss allowance to noncurrent loans | 108.3167% | 3,195 |
| Noncurrent assets plus other real estate owned to assets | 0.3986% | 1,337 |
| Noncurrent loans to loans | 0.5339% | 1,392 |
| Net loans and leases to total assets | 74.2300% | 1,257 |
| Net loans and leases to deposits | 88.8345% | 1,280 |
| Net loans and leases to core deposits | 90.4244% | 1,772 |
| Total domestic deposits to total assets | 83.5600% | 2,919 |
| Equity capital to assets | 9.7596% | 1,992 |
| Core capital (leverage) ratio | 11.1841% | 1,802 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9651% | 1,584 |
| Memoranda: | ||
| Average total assets | $737,052,000 | 1,252 |
| Average earning assets | $691,268,333 | 1,236 |
| Average equity | $72,599,667 | 1,206 |
| Average total loans | $548,474,000 | 1,138 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4387% | 2,446 |
| Cost of funding earning assets | 0.5697% | 3,477 |
| Net interest margin | 3.8690% | 1,541 |
| Noninterest income to average assets | 0.6900% | 1,130 |
| Noninterest expense to average assets | 3.1433% | 874 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.9647% | 2,640 |
| Return on assets (ROA) | 0.9647% | 2,601 |
| Pretax return on assets | 1.1750% | 2,494 |
| Return on Equity (ROE) | 9.7500% | 2,863 |
| Retained earnings to average equity (ytd only) | 7.0568% | 2,476 |
| Net charge-offs to loans | -0.0044% | 3,596 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 72.7908% | 1,463 |
| Assets per employee ($millions) | 4.9597% | 3,688 |
| Cash dividends to net income (ytd only)* | 27.6039% | 1,802 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6041% | 4,350 |
| Loan loss allowance to noncurrent loans | 133.0081% | 3,096 |
| Noncurrent assets plus other real estate owned to assets | 0.3351% | 1,519 |
| Noncurrent loans to loans | 0.4542% | 1,586 |
| Net loans and leases to total assets | 73.3500% | 1,283 |
| Net loans and leases to deposits | 86.8621% | 1,293 |
| Net loans and leases to core deposits | 87.9396% | 1,749 |
| Total domestic deposits to total assets | 84.4400% | 2,987 |
| Equity capital to assets | 10.0091% | 1,819 |
| Core capital (leverage) ratio | 11.2668% | 1,684 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1384% | 1,588 |
| Memoranda: | ||
| Average total assets | $728,527,000 | 1,274 |
| Average earning assets | $683,901,500 | 1,265 |
| Average equity | $72,101,000 | 1,226 |
| Average total loans | $541,182,500 | 1,160 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9346% | 1,896 |
| Cost of funding earning assets | 0.1558% | 4,094 |
| Net interest margin | 3.7788% | 1,203 |
| Noninterest income to average assets | 0.8800% | 826 |
| Noninterest expense to average assets | 2.9770% | 1,002 |
| Loan and lease loss provision to assets | -0.0400% | 4,387 |
| Net operating income to assets | 1.1997% | 1,768 |
| Return on assets (ROA) | 1.1997% | 1,706 |
| Pretax return on assets | 1.4893% | 1,487 |
| Return on Equity (ROE) | 12.6400% | 1,926 |
| Retained earnings to average equity (ytd only) | 10.0455% | 1,131 |
| Net charge-offs to loans | -0.0461% | 4,331 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 67.2607% | 2,051 |
| Assets per employee ($millions) | 4.9863% | 3,693 |
| Cash dividends to net income (ytd only)* | 20.5188% | 2,876 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6233% | 4,315 |
| Loan loss allowance to noncurrent loans | 122.2787% | 3,175 |
| Noncurrent assets plus other real estate owned to assets | 0.3812% | 1,344 |
| Noncurrent loans to loans | 0.5097% | 1,427 |
| Net loans and leases to total assets | 74.3200% | 1,192 |
| Net loans and leases to deposits | 85.7510% | 1,332 |
| Net loans and leases to core deposits | 86.4067% | 1,720 |
| Total domestic deposits to total assets | 86.6700% | 2,508 |
| Equity capital to assets | 9.7828% | 1,835 |
| Core capital (leverage) ratio | 10.9529% | 1,845 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8058% | 1,689 |
| Memoranda: | ||
| Average total assets | $745,450,600 | 1,251 |
| Average earning assets | $699,685,400 | 1,233 |
| Average equity | $70,758,000 | 1,238 |
| Average total loans | $535,944,000 | 1,119 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7761% | 1,826 |
| Cost of funding earning assets | 0.1429% | 3,915 |
| Net interest margin | 3.6332% | 1,311 |
| Noninterest income to average assets | 0.9400% | 760 |
| Noninterest expense to average assets | 2.9510% | 971 |
| Loan and lease loss provision to assets | -0.0500% | 4,490 |
| Net operating income to assets | 1.1713% | 1,806 |
| Return on assets (ROA) | 1.1713% | 1,781 |
| Pretax return on assets | 1.4536% | 1,542 |
| Return on Equity (ROE) | 12.4300% | 1,899 |
| Retained earnings to average equity (ytd only) | 9.8879% | 1,383 |
| Net charge-offs to loans | -0.0616% | 4,361 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 67.8185% | 2,053 |
| Assets per employee ($millions) | 5.2301% | 3,476 |
| Cash dividends to net income (ytd only)* | 20.4607% | 2,450 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6175% | 4,362 |
| Loan loss allowance to noncurrent loans | 124.9073% | 3,200 |
| Noncurrent assets plus other real estate owned to assets | 0.3633% | 1,486 |
| Noncurrent loans to loans | 0.4944% | 1,566 |
| Net loans and leases to total assets | 73.0300% | 1,177 |
| Net loans and leases to deposits | 80.9954% | 1,522 |
| Net loans and leases to core deposits | 81.5627% | 1,795 |
| Total domestic deposits to total assets | 90.1700% | 1,583 |
| Equity capital to assets | 9.1640% | 2,109 |
| Core capital (leverage) ratio | 10.5279% | 2,092 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4833% | 1,883 |
| Memoranda: | ||
| Average total assets | $751,059,750 | 1,251 |
| Average earning assets | $705,551,750 | 1,237 |
| Average equity | $70,764,750 | 1,252 |
| Average total loans | $534,756,250 | 1,122 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6700% | 1,622 |
| Cost of funding earning assets | 0.1458% | 3,627 |
| Net interest margin | 3.5242% | 1,253 |
| Noninterest income to average assets | 0.9432% | 761 |
| Noninterest expense to average assets | 2.9531% | 907 |
| Loan and lease loss provision to assets | -0.1061% | 4,605 |
| Net operating income to assets | 1.1355% | 1,646 |
| Return on assets (ROA) | 1.1355% | 1,623 |
| Pretax return on assets | 1.4109% | 1,406 |
| Return on Equity (ROE) | 11.9441% | 1,681 |
| Retained earnings to average equity (ytd only) | 9.4325% | 1,161 |
| Net charge-offs to loans | -0.1506% | 4,537 |
| Credit loss provision to net charge-offs | 100.0000% | 1,271 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3563% | 2,057 |
| Assets per employee ($millions) | 5.0785% | 3,609 |
| Cash dividends to net income (ytd only)* | 21.0280% | 2,423 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6392% | 4,422 |
| Loan loss allowance to noncurrent loans | 119.8110% | 3,220 |
| Noncurrent assets plus other real estate owned to assets | 0.3801% | 1,481 |
| Noncurrent loans to loans | 0.5335% | 1,551 |
| Net loans and leases to total assets | 70.7932% | 1,222 |
| Net loans and leases to deposits | 78.6651% | 1,489 |
| Net loans and leases to core deposits | 79.3627% | 1,758 |
| Total domestic deposits to total assets | 89.9932% | 1,706 |
| Equity capital to assets | 9.2901% | 2,168 |
| Core capital (leverage) ratio | 10.2157% | 2,171 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5201% | 1,858 |
| Memoranda: | ||
| Average total assets | $753,856,000 | 1,247 |
| Average earning assets | $709,046,667 | 1,236 |
| Average equity | $71,667,000 | 1,271 |
| Average total loans | $531,088,667 | 1,119 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5208% | 1,736 |
| Cost of funding earning assets | 0.1482% | 3,525 |
| Net interest margin | 3.3726% | 1,372 |
| Noninterest income to average assets | 0.8610% | 911 |
| Noninterest expense to average assets | 2.9930% | 827 |
| Loan and lease loss provision to assets | -0.2119% | 4,693 |
| Net operating income to assets | 1.0273% | 1,772 |
| Return on assets (ROA) | 1.0273% | 1,762 |
| Pretax return on assets | 1.2626% | 1,611 |
| Return on Equity (ROE) | 10.6850% | 1,733 |
| Retained earnings to average equity (ytd only) | 10.6850% | 852 |
| Net charge-offs to loans | -0.2874% | 4,652 |
| Credit loss provision to net charge-offs | 105.2632% | 982 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0173% | 1,741 |
| Assets per employee ($millions) | 5.0248% | 3,734 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6468% | 4,463 |
| Loan loss allowance to noncurrent loans | 99.8533% | 3,390 |
| Noncurrent assets plus other real estate owned to assets | 0.4462% | 1,366 |
| Noncurrent loans to loans | 0.6477% | 1,455 |
| Net loans and leases to total assets | 68.4426% | 1,171 |
| Net loans and leases to deposits | 76.3214% | 1,416 |
| Net loans and leases to core deposits | 77.0711% | 1,697 |
| Total domestic deposits to total assets | 89.6768% | 1,727 |
| Equity capital to assets | 9.4000% | 2,360 |
| Core capital (leverage) ratio | 10.1274% | 2,163 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6939% | 1,921 |
| Memoranda: | ||
| Average total assets | $754,974,000 | 1,248 |
| Average earning assets | $712,447,500 | 1,233 |
| Average equity | $72,587,500 | 1,294 |
| Average total loans | $528,873,500 | 1,119 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0888% | 1,184 |
| Cost of funding earning assets | 0.2359% | 3,077 |
| Net interest margin | 3.8529% | 917 |
| Noninterest income to average assets | 1.6983% | 399 |
| Noninterest expense to average assets | 3.0928% | 845 |
| Loan and lease loss provision to assets | -0.0692% | 4,437 |
| Net operating income to assets | 1.7970% | 509 |
| Return on assets (ROA) | 1.7970% | 529 |
| Pretax return on assets | 2.2898% | 350 |
| Return on Equity (ROE) | 18.9925% | 382 |
| Retained earnings to average equity (ytd only) | 18.9925% | 76 |
| Net charge-offs to loans | 0.0082% | 2,273 |
| Credit loss provision to net charge-offs | -1,063.8298% | 3,930 |
| Earnings coverage of net charge-offs (x) | 341.5106% | 365 |
| Efficiency ratio | 58.2081% | 3,413 |
| Assets per employee ($millions) | 5.0079% | 3,720 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6439% | 4,500 |
| Loan loss allowance to noncurrent loans | 103.1024% | 3,369 |
| Noncurrent assets plus other real estate owned to assets | 0.4449% | 1,479 |
| Noncurrent loans to loans | 0.6245% | 1,588 |
| Net loans and leases to total assets | 70.7843% | 947 |
| Net loans and leases to deposits | 79.3420% | 1,268 |
| Net loans and leases to core deposits | 80.1841% | 1,578 |
| Total domestic deposits to total assets | 89.2142% | 1,408 |
| Equity capital to assets | 9.8342% | 2,818 |
| Core capital (leverage) ratio | 9.8607% | 2,506 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5978% | 2,021 |
| Memoranda: | ||
| Average total assets | $722,829,600 | 1,259 |
| Average earning assets | $678,220,000 | 1,250 |
| Average equity | $68,390,000 | 1,379 |
| Average total loans | $570,369,800 | 1,058 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1642% | 1,159 |
| Cost of funding earning assets | 0.2579% | 3,035 |
| Net interest margin | 3.9063% | 927 |
| Noninterest income to average assets | 1.8304% | 389 |
| Noninterest expense to average assets | 3.0873% | 837 |
| Loan and lease loss provision to assets | -0.0930% | 4,587 |
| Net operating income to assets | 1.9531% | 498 |
| Return on assets (ROA) | 1.9531% | 526 |
| Pretax return on assets | 2.4922% | 337 |
| Return on Equity (ROE) | 20.8566% | 369 |
| Retained earnings to average equity (ytd only) | 20.8566% | 107 |
| Net charge-offs to loans | 0.0062% | 2,091 |
| Credit loss provision to net charge-offs | -1,851.8519% | 3,982 |
| Earnings coverage of net charge-offs (x) | 477.8519% | 310 |
| Efficiency ratio | 56.2703% | 3,496 |
| Assets per employee ($millions) | 4.8578% | 3,834 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6288% | 4,598 |
| Loan loss allowance to noncurrent loans | 86.7692% | 3,543 |
| Noncurrent assets plus other real estate owned to assets | 0.5446% | 1,406 |
| Noncurrent loans to loans | 0.7246% | 1,541 |
| Net loans and leases to total assets | 74.6756% | 638 |
| Net loans and leases to deposits | 84.0238% | 963 |
| Net loans and leases to core deposits | 85.1019% | 1,346 |
| Total domestic deposits to total assets | 88.8744% | 1,358 |
| Equity capital to assets | 9.8576% | 3,041 |
| Core capital (leverage) ratio | 9.9570% | 2,561 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6260% | 2,117 |
| Memoranda: | ||
| Average total assets | $716,993,250 | 1,286 |
| Average earning assets | $671,069,000 | 1,278 |
| Average equity | $67,142,500 | 1,407 |
| Average total loans | $580,062,750 | 1,061 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2092% | 1,175 |
| Cost of funding earning assets | 0.2847% | 2,925 |
| Net interest margin | 3.9245% | 926 |
| Noninterest income to average assets | 1.9647% | 337 |
| Noninterest expense to average assets | 3.0840% | 863 |
| Loan and lease loss provision to assets | -0.1402% | 4,699 |
| Net operating income to assets | 2.0942% | 409 |
| Return on assets (ROA) | 2.0942% | 428 |
| Pretax return on assets | 2.6863% | 265 |
| Return on Equity (ROE) | 22.7721% | 273 |
| Retained earnings to average equity (ytd only) | 22.7721% | 97 |
| Net charge-offs to loans | 0.0139% | 1,670 |
| Credit loss provision to net charge-offs | -1,219.5122% | 3,719 |
| Earnings coverage of net charge-offs (x) | 221.4146% | 470 |
| Efficiency ratio | 54.7773% | 3,703 |
| Assets per employee ($millions) | 4.8167% | 3,821 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6037% | 4,655 |
| Loan loss allowance to noncurrent loans | 84.8342% | 3,525 |
| Noncurrent assets plus other real estate owned to assets | 0.5632% | 1,481 |
| Noncurrent loans to loans | 0.7116% | 1,660 |
| Net loans and leases to total assets | 78.6701% | 396 |
| Net loans and leases to deposits | 88.2509% | 761 |
| Net loans and leases to core deposits | 90.1515% | 1,133 |
| Total domestic deposits to total assets | 89.1437% | 1,203 |
| Equity capital to assets | 9.6063% | 3,245 |
| Core capital (leverage) ratio | 9.7245% | 2,669 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5671% | 2,138 |
| Memoranda: | ||
| Average total assets | $713,101,333 | 1,283 |
| Average earning assets | $666,022,333 | 1,277 |
| Average equity | $65,580,333 | 1,426 |
| Average total loans | $590,890,000 | 1,042 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2428% | 1,127 |
| Cost of funding earning assets | 0.3085% | 2,903 |
| Net interest margin | 3.9344% | 931 |
| Noninterest income to average assets | 2.3348% | 293 |
| Noninterest expense to average assets | 3.0793% | 864 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 2.2707% | 374 |
| Return on assets (ROA) | 2.2707% | 403 |
| Pretax return on assets | 2.9302% | 247 |
| Return on Equity (ROE) | 25.2588% | 249 |
| Retained earnings to average equity (ytd only) | 25.2588% | 138 |
| Net charge-offs to loans | -0.0146% | 3,846 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.2408% | 4,070 |
| Assets per employee ($millions) | 4.8389% | 3,813 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6553% | 4,629 |
| Loan loss allowance to noncurrent loans | 98.3493% | 3,365 |
| Noncurrent assets plus other real estate owned to assets | 0.6137% | 1,552 |
| Noncurrent loans to loans | 0.6663% | 1,909 |
| Net loans and leases to total assets | 84.5092% | 129 |
| Net loans and leases to deposits | 97.3542% | 364 |
| Net loans and leases to core deposits | 99.8031% | 724 |
| Total domestic deposits to total assets | 86.8059% | 2,388 |
| Equity capital to assets | 9.1620% | 3,534 |
| Core capital (leverage) ratio | 9.6775% | 2,845 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8456% | 1,945 |
| Memoranda: | ||
| Average total assets | $710,806,000 | 1,270 |
| Average earning assets | $663,893,500 | 1,271 |
| Average equity | $63,898,500 | 1,440 |
| Average total loans | $602,316,000 | 1,027 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2443% | 2,014 |
| Cost of funding earning assets | 0.7369% | 1,528 |
| Net interest margin | 3.5074% | 2,450 |
| Noninterest income to average assets | 1.8857% | 360 |
| Noninterest expense to average assets | 3.2206% | 1,020 |
| Loan and lease loss provision to assets | 0.1456% | 2,549 |
| Net operating income to assets | 1.3988% | 1,023 |
| Return on assets (ROA) | 1.4003% | 1,108 |
| Pretax return on assets | 1.8048% | 680 |
| Return on Equity (ROE) | 15.8591% | 517 |
| Retained earnings to average equity (ytd only) | 15.8591% | 119 |
| Net charge-offs to loans | 0.0303% | 2,424 |
| Credit loss provision to net charge-offs | 572.2892% | 1,143 |
| Earnings coverage of net charge-offs (x) | 76.6024% | 919 |
| Efficiency ratio | 62.3040% | 3,077 |
| Assets per employee ($millions) | 4.7346% | 3,683 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6668% | 4,639 |
| Loan loss allowance to noncurrent loans | 105.3330% | 3,255 |
| Noncurrent assets plus other real estate owned to assets | 0.5819% | 1,811 |
| Noncurrent loans to loans | 0.6330% | 2,107 |
| Net loans and leases to total assets | 83.8397% | 185 |
| Net loans and leases to deposits | 100.2582% | 369 |
| Net loans and leases to core deposits | 103.0584% | 768 |
| Total domestic deposits to total assets | 83.6238% | 3,230 |
| Equity capital to assets | 8.8146% | 4,209 |
| Core capital (leverage) ratio | 9.2838% | 3,338 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2045% | 2,168 |
| Memoranda: | ||
| Average total assets | $652,589,200 | 1,252 |
| Average earning assets | $610,907,400 | 1,242 |
| Average equity | $57,619,800 | 1,489 |
| Average total loans | $548,652,400 | 1,058 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1308% | 2,588 |
| Cost of funding earning assets | 0.6910% | 2,080 |
| Net interest margin | 3.4398% | 2,782 |
| Noninterest income to average assets | 1.7621% | 382 |
| Noninterest expense to average assets | 3.1795% | 1,102 |
| Loan and lease loss provision to assets | 0.1982% | 2,002 |
| Net operating income to assets | 1.2400% | 1,518 |
| Return on assets (ROA) | 1.2420% | 1,631 |
| Pretax return on assets | 1.5969% | 1,190 |
| Return on Equity (ROE) | 14.0603% | 871 |
| Retained earnings to average equity (ytd only) | 14.0603% | 252 |
| Net charge-offs to loans | 0.0214% | 2,430 |
| Credit loss provision to net charge-offs | 1,104.6512% | 779 |
| Earnings coverage of net charge-offs (x) | 99.9535% | 789 |
| Efficiency ratio | 63.9475% | 2,746 |
| Assets per employee ($millions) | 4.8870% | 3,392 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6453% | 4,672 |
| Loan loss allowance to noncurrent loans | 103.8462% | 3,221 |
| Noncurrent assets plus other real estate owned to assets | 0.5817% | 1,988 |
| Noncurrent loans to loans | 0.6214% | 2,246 |
| Net loans and leases to total assets | 85.6355% | 167 |
| Net loans and leases to deposits | 108.3892% | 259 |
| Net loans and leases to core deposits | 111.5555% | 646 |
| Total domestic deposits to total assets | 79.0074% | 4,058 |
| Equity capital to assets | 8.1276% | 4,667 |
| Core capital (leverage) ratio | 8.7990% | 3,960 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0927% | 2,156 |
| Memoranda: | ||
| Average total assets | $639,372,000 | 1,253 |
| Average earning assets | $596,647,250 | 1,246 |
| Average equity | $56,479,000 | 1,504 |
| Average total loans | $536,959,500 | 1,071 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2145% | 2,711 |
| Cost of funding earning assets | 0.7672% | 2,009 |
| Net interest margin | 3.4473% | 2,952 |
| Noninterest income to average assets | 1.6386% | 390 |
| Noninterest expense to average assets | 3.1234% | 1,301 |
| Loan and lease loss provision to assets | 0.2296% | 1,831 |
| Net operating income to assets | 1.1603% | 1,763 |
| Return on assets (ROA) | 1.1634% | 1,877 |
| Pretax return on assets | 1.4874% | 1,485 |
| Return on Equity (ROE) | 12.7640% | 1,159 |
| Retained earnings to average equity (ytd only) | 12.7640% | 381 |
| Net charge-offs to loans | 0.0501% | 1,768 |
| Credit loss provision to net charge-offs | 551.1811% | 1,162 |
| Earnings coverage of net charge-offs (x) | 41.1260% | 1,229 |
| Efficiency ratio | 64.5802% | 2,731 |
| Assets per employee ($millions) | 4.8930% | 3,311 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6007% | 4,740 |
| Loan loss allowance to noncurrent loans | 90.1007% | 3,367 |
| Noncurrent assets plus other real estate owned to assets | 0.6225% | 1,953 |
| Noncurrent loans to loans | 0.6667% | 2,194 |
| Net loans and leases to total assets | 85.8920% | 140 |
| Net loans and leases to deposits | 107.1637% | 282 |
| Net loans and leases to core deposits | 111.1259% | 697 |
| Total domestic deposits to total assets | 80.1504% | 3,802 |
| Equity capital to assets | 7.9795% | 4,728 |
| Core capital (leverage) ratio | 8.6067% | 4,293 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6947% | 2,315 |
| Memoranda: | ||
| Average total assets | $609,775,667 | 1,279 |
| Average earning assets | $565,659,667 | 1,280 |
| Average equity | $55,578,000 | 1,509 |
| Average total loans | $506,741,333 | 1,104 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5129% | 2,279 |
| Cost of funding earning assets | 0.8513% | 2,108 |
| Net interest margin | 3.6616% | 2,465 |
| Noninterest income to average assets | 1.4673% | 419 |
| Noninterest expense to average assets | 3.5607% | 856 |
| Loan and lease loss provision to assets | 0.2895% | 1,073 |
| Net operating income to assets | 0.7633% | 3,042 |
| Return on assets (ROA) | 0.7702% | 3,089 |
| Pretax return on assets | 0.9758% | 2,914 |
| Return on Equity (ROE) | 7.8128% | 2,593 |
| Retained earnings to average equity (ytd only) | 7.8128% | 1,289 |
| Net charge-offs to loans | 0.1270% | 951 |
| Credit loss provision to net charge-offs | 281.6901% | 1,222 |
| Earnings coverage of net charge-offs (x) | 12.2254% | 1,701 |
| Efficiency ratio | 73.9144% | 1,833 |
| Assets per employee ($millions) | 3.9406% | 4,007 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7612% | 4,488 |
| Loan loss allowance to noncurrent loans | 84.3704% | 3,486 |
| Noncurrent assets plus other real estate owned to assets | 0.8120% | 1,665 |
| Noncurrent loans to loans | 0.9022% | 1,809 |
| Net loans and leases to total assets | 79.1271% | 801 |
| Net loans and leases to deposits | 95.6117% | 951 |
| Net loans and leases to core deposits | 100.8857% | 1,406 |
| Total domestic deposits to total assets | 82.7587% | 3,192 |
| Equity capital to assets | 9.7245% | 4,019 |
| Core capital (leverage) ratio | 10.1038% | 3,342 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6152% | 2,883 |
| Memoranda: | ||
| Average total assets | $552,584,000 | 1,350 |
| Average earning assets | $505,577,500 | 1,362 |
| Average equity | $54,475,000 | 1,530 |
| Average total loans | $447,235,000 | 1,190 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8210% | 1,985 |
| Cost of funding earning assets | 0.9318% | 2,051 |
| Net interest margin | 3.8892% | 2,219 |
| Noninterest income to average assets | 1.4434% | 451 |
| Noninterest expense to average assets | 3.7821% | 685 |
| Loan and lease loss provision to assets | 0.0254% | 3,504 |
| Net operating income to assets | 0.9601% | 2,982 |
| Return on assets (ROA) | 0.9751% | 3,013 |
| Pretax return on assets | 1.2294% | 2,733 |
| Return on Equity (ROE) | 10.2153% | 2,199 |
| Retained earnings to average equity (ytd only) | 10.2153% | 453 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3715% | 1,435 |
| Assets per employee ($millions) | 3.7867% | 4,161 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7208% | 4,532 |
| Loan loss allowance to noncurrent loans | 71.8377% | 3,731 |
| Noncurrent assets plus other real estate owned to assets | 0.9226% | 1,376 |
| Noncurrent loans to loans | 1.0034% | 1,513 |
| Net loans and leases to total assets | 81.6103% | 596 |
| Net loans and leases to deposits | 98.7882% | 690 |
| Net loans and leases to core deposits | 104.0162% | 1,226 |
| Total domestic deposits to total assets | 82.6114% | 3,328 |
| Equity capital to assets | 9.9993% | 3,917 |
| Core capital (leverage) ratio | 9.6903% | 3,858 |
| Tier 1 risk-based capital ratio | 12.1507% | 4,274 |
| Total risk-based capital ratio | 12.5612% | 4,617 |
| Memoranda: | ||
| Average total assets | $532,355,000 | 1,350 |
| Average earning assets | $489,275,600 | 1,357 |
| Average equity | $50,816,000 | 1,572 |
| Average total loans | $431,149,800 | 1,196 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8224% | 2,052 |
| Cost of funding earning assets | 0.9206% | 2,132 |
| Net interest margin | 3.9018% | 2,246 |
| Noninterest income to average assets | 1.4455% | 436 |
| Noninterest expense to average assets | 3.8823% | 602 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.9145% | 3,289 |
| Return on assets (ROA) | 0.9345% | 3,292 |
| Pretax return on assets | 1.1768% | 3,055 |
| Return on Equity (ROE) | 9.9096% | 2,470 |
| Retained earnings to average equity (ytd only) | 9.9096% | 773 |
| Net charge-offs to loans | -0.0156% | 4,515 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1249% | 1,203 |
| Assets per employee ($millions) | 3.7917% | 4,175 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7092% | 4,632 |
| Loan loss allowance to noncurrent loans | 64.6176% | 3,922 |
| Noncurrent assets plus other real estate owned to assets | 0.9554% | 1,415 |
| Noncurrent loans to loans | 1.0975% | 1,448 |
| Net loans and leases to total assets | 77.8902% | 1,160 |
| Net loans and leases to deposits | 90.7057% | 1,601 |
| Net loans and leases to core deposits | 95.7313% | 2,026 |
| Total domestic deposits to total assets | 85.8714% | 2,048 |
| Equity capital to assets | 9.3659% | 4,554 |
| Core capital (leverage) ratio | 9.3518% | 4,327 |
| Tier 1 risk-based capital ratio | 11.9459% | 4,439 |
| Total risk-based capital ratio | 12.6252% | 4,626 |
| Memoranda: | ||
| Average total assets | $531,015,000 | 1,353 |
| Average earning assets | $488,346,000 | 1,361 |
| Average equity | $50,078,000 | 1,599 |
| Average total loans | $428,433,000 | 1,210 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8300% | 1,967 |
| Cost of funding earning assets | 0.9003% | 2,139 |
| Net interest margin | 3.9296% | 2,156 |
| Noninterest income to average assets | 1.2715% | 536 |
| Noninterest expense to average assets | 4.0615% | 491 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.6657% | 4,113 |
| Return on assets (ROA) | 0.6966% | 4,076 |
| Pretax return on assets | 0.8709% | 3,931 |
| Return on Equity (ROE) | 7.3689% | 3,542 |
| Retained earnings to average equity (ytd only) | 7.3689% | 1,666 |
| Net charge-offs to loans | 0.0019% | 3,111 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 543.2500% | 138 |
| Efficiency ratio | 82.9942% | 731 |
| Assets per employee ($millions) | 3.6330% | 4,342 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7039% | 4,708 |
| Loan loss allowance to noncurrent loans | 50.7410% | 4,177 |
| Noncurrent assets plus other real estate owned to assets | 1.2229% | 1,074 |
| Noncurrent loans to loans | 1.3872% | 1,122 |
| Net loans and leases to total assets | 80.4887% | 807 |
| Net loans and leases to deposits | 96.0286% | 1,031 |
| Net loans and leases to core deposits | 101.7221% | 1,581 |
| Total domestic deposits to total assets | 83.8174% | 2,944 |
| Equity capital to assets | 9.3982% | 4,503 |
| Core capital (leverage) ratio | 9.3568% | 4,304 |
| Tier 1 risk-based capital ratio | 11.7016% | 4,571 |
| Total risk-based capital ratio | 12.4367% | 4,729 |
| Memoranda: | ||
| Average total assets | $522,224,670 | 1,374 |
| Average earning assets | $481,369,000 | 1,381 |
| Average equity | $49,369,330 | 1,612 |
| Average total loans | $425,494,000 | 1,218 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8151% | 1,862 |
| Cost of funding earning assets | 0.8787% | 2,105 |
| Net interest margin | 3.9364% | 2,072 |
| Noninterest income to average assets | 1.0807% | 686 |
| Noninterest expense to average assets | 3.8372% | 630 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.7121% | 3,897 |
| Return on assets (ROA) | 0.7763% | 3,741 |
| Pretax return on assets | 0.9521% | 3,608 |
| Return on Equity (ROE) | 8.1865% | 3,174 |
| Retained earnings to average equity (ytd only) | 8.1865% | 1,594 |
| Net charge-offs to loans | 0.0228% | 1,988 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 47.0000% | 1,062 |
| Efficiency ratio | 81.4504% | 928 |
| Assets per employee ($millions) | 3.6359% | 4,422 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7156% | 4,746 |
| Loan loss allowance to noncurrent loans | 48.2237% | 4,288 |
| Noncurrent assets plus other real estate owned to assets | 1.3084% | 993 |
| Noncurrent loans to loans | 1.4838% | 1,088 |
| Net loans and leases to total assets | 80.7800% | 746 |
| Net loans and leases to deposits | 94.5910% | 1,103 |
| Net loans and leases to core deposits | 100.2461% | 1,600 |
| Total domestic deposits to total assets | 85.3992% | 2,526 |
| Equity capital to assets | 9.5484% | 4,211 |
| Core capital (leverage) ratio | 9.4585% | 4,181 |
| Tier 1 risk-based capital ratio | 11.8780% | 4,527 |
| Total risk-based capital ratio | 12.6251% | 4,706 |
| Memoranda: | ||
| Average total assets | $516,312,500 | 1,397 |
| Average earning assets | $476,172,500 | 1,399 |
| Average equity | $48,958,500 | 1,608 |
| Average total loans | $421,793,000 | 1,230 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6611% | 1,953 |
| Cost of funding earning assets | 0.7181% | 1,975 |
| Net interest margin | 3.9430% | 2,185 |
| Noninterest income to average assets | 1.2471% | 601 |
| Noninterest expense to average assets | 3.9159% | 592 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.7494% | 3,971 |
| Return on assets (ROA) | 0.7349% | 4,023 |
| Pretax return on assets | 0.9074% | 3,879 |
| Return on Equity (ROE) | 7.9440% | 3,469 |
| Retained earnings to average equity (ytd only) | 7.9440% | 1,260 |
| Net charge-offs to loans | 0.0465% | 2,505 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 24.5053% | 1,808 |
| Efficiency ratio | 80.8870% | 884 |
| Assets per employee ($millions) | 3.5116% | 4,537 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7255% | 4,747 |
| Loan loss allowance to noncurrent loans | 38.9556% | 4,497 |
| Noncurrent assets plus other real estate owned to assets | 1.6302% | 683 |
| Noncurrent loans to loans | 1.8623% | 746 |
| Net loans and leases to total assets | 81.4341% | 742 |
| Net loans and leases to deposits | 94.9043% | 1,182 |
| Net loans and leases to core deposits | 100.4192% | 1,689 |
| Total domestic deposits to total assets | 85.8065% | 2,322 |
| Equity capital to assets | 9.4154% | 4,200 |
| Core capital (leverage) ratio | 9.1453% | 4,513 |
| Tier 1 risk-based capital ratio | 11.7001% | 4,626 |
| Total risk-based capital ratio | 12.4616% | 4,775 |
| Memoranda: | ||
| Average total assets | $497,889,200 | 1,411 |
| Average earning assets | $453,839,600 | 1,439 |
| Average equity | $46,059,800 | 1,628 |
| Average total loans | $404,584,000 | 1,248 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5930% | 1,997 |
| Cost of funding earning assets | 0.6765% | 1,992 |
| Net interest margin | 3.9165% | 2,233 |
| Noninterest income to average assets | 1.2985% | 569 |
| Noninterest expense to average assets | 3.9835% | 536 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.7044% | 4,208 |
| Return on assets (ROA) | 0.7044% | 4,216 |
| Pretax return on assets | 0.8717% | 4,115 |
| Return on Equity (ROE) | 7.6500% | 3,684 |
| Retained earnings to average equity (ytd only) | 7.6500% | 1,821 |
| Net charge-offs to loans | 0.0359% | 2,363 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 29.9159% | 1,614 |
| Efficiency ratio | 82.0460% | 771 |
| Assets per employee ($millions) | 3.4019% | 4,682 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7454% | 4,767 |
| Loan loss allowance to noncurrent loans | 35.8238% | 4,655 |
| Noncurrent assets plus other real estate owned to assets | 1.8202% | 629 |
| Noncurrent loans to loans | 2.0807% | 691 |
| Net loans and leases to total assets | 81.7030% | 758 |
| Net loans and leases to deposits | 95.2066% | 1,245 |
| Net loans and leases to core deposits | 99.6985% | 1,817 |
| Total domestic deposits to total assets | 85.8166% | 2,275 |
| Equity capital to assets | 9.1701% | 4,401 |
| Core capital (leverage) ratio | 8.9559% | 4,742 |
| Tier 1 risk-based capital ratio | 11.4291% | 4,835 |
| Total risk-based capital ratio | 12.2152% | 4,952 |
| Memoranda: | ||
| Average total assets | $494,188,250 | 1,428 |
| Average earning assets | $448,791,000 | 1,458 |
| Average equity | $45,506,750 | 1,651 |
| Average total loans | $400,590,500 | 1,257 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4992% | 2,088 |
| Cost of funding earning assets | 0.6426% | 1,974 |
| Net interest margin | 3.8566% | 2,354 |
| Noninterest income to average assets | 1.2504% | 618 |
| Noninterest expense to average assets | 4.0849% | 481 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.5368% | 4,662 |
| Return on assets (ROA) | 0.5368% | 4,670 |
| Pretax return on assets | 0.6571% | 4,620 |
| Return on Equity (ROE) | 5.8211% | 4,299 |
| Retained earnings to average equity (ytd only) | 5.8211% | 2,652 |
| Net charge-offs to loans | 0.0157% | 2,617 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 51.8065% | 1,102 |
| Efficiency ratio | 86.1432% | 559 |
| Assets per employee ($millions) | 3.2537% | 4,877 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7778% | 4,759 |
| Loan loss allowance to noncurrent loans | 37.7234% | 4,633 |
| Noncurrent assets plus other real estate owned to assets | 1.8314% | 631 |
| Noncurrent loans to loans | 2.0618% | 711 |
| Net loans and leases to total assets | 81.1478% | 834 |
| Net loans and leases to deposits | 94.2483% | 1,331 |
| Net loans and leases to core deposits | 99.1249% | 1,807 |
| Total domestic deposits to total assets | 86.1000% | 2,233 |
| Equity capital to assets | 9.0432% | 4,524 |
| Core capital (leverage) ratio | 9.0000% | 4,690 |
| Tier 1 risk-based capital ratio | 11.2808% | 4,907 |
| Total risk-based capital ratio | 12.1047% | 5,019 |
| Memoranda: | ||
| Average total assets | $488,822,000 | 1,445 |
| Average earning assets | $442,567,000 | 1,478 |
| Average equity | $45,077,670 | 1,669 |
| Average total loans | $394,103,670 | 1,272 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4102% | 2,164 |
| Cost of funding earning assets | 0.6295% | 1,850 |
| Net interest margin | 3.7807% | 2,502 |
| Noninterest income to average assets | 1.4376% | 456 |
| Noninterest expense to average assets | 4.3461% | 341 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.4216% | 4,885 |
| Return on assets (ROA) | 0.4216% | 4,891 |
| Pretax return on assets | 0.5022% | 4,866 |
| Return on Equity (ROE) | 4.5255% | 4,624 |
| Retained earnings to average equity (ytd only) | 4.5255% | 3,391 |
| Net charge-offs to loans | -0.1081% | 5,228 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.6416% | 458 |
| Assets per employee ($millions) | 3.1204% | 5,072 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8504% | 4,635 |
| Loan loss allowance to noncurrent loans | 35.8422% | 4,717 |
| Noncurrent assets plus other real estate owned to assets | 2.1250% | 510 |
| Noncurrent loans to loans | 2.3727% | 595 |
| Net loans and leases to total assets | 80.0674% | 925 |
| Net loans and leases to deposits | 92.1376% | 1,442 |
| Net loans and leases to core deposits | 97.1301% | 1,896 |
| Total domestic deposits to total assets | 86.8998% | 2,169 |
| Equity capital to assets | 9.2193% | 4,341 |
| Core capital (leverage) ratio | 9.0773% | 4,595 |
| Tier 1 risk-based capital ratio | 11.6959% | 4,743 |
| Total risk-based capital ratio | 12.6082% | 4,848 |
| Memoranda: | ||
| Average total assets | $481,071,000 | 1,470 |
| Average earning assets | $433,993,500 | 1,515 |
| Average equity | $44,813,000 | 1,682 |
| Average total loans | $384,927,500 | 1,302 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2482% | 2,505 |
| Cost of funding earning assets | 0.6039% | 1,573 |
| Net interest margin | 3.6442% | 3,007 |
| Noninterest income to average assets | 1.8430% | 336 |
| Noninterest expense to average assets | 4.6562% | 275 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | -0.3428% | 5,487 |
| Return on assets (ROA) | -0.3542% | 5,489 |
| Pretax return on assets | 0.4255% | 5,052 |
| Return on Equity (ROE) | -3.4126% | 5,498 |
| Retained earnings to average equity (ytd only) | -3.4126% | 5,366 |
| Net charge-offs to loans | 0.0377% | 3,041 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 15.1194% | 2,268 |
| Efficiency ratio | 91.3088% | 370 |
| Assets per employee ($millions) | 3.0278% | 5,178 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8597% | 4,635 |
| Loan loss allowance to noncurrent loans | 33.9198% | 4,794 |
| Noncurrent assets plus other real estate owned to assets | 2.3849% | 409 |
| Noncurrent loans to loans | 2.5345% | 523 |
| Net loans and leases to total assets | 78.5761% | 1,206 |
| Net loans and leases to deposits | 90.3723% | 1,730 |
| Net loans and leases to core deposits | 95.3538% | 2,084 |
| Total domestic deposits to total assets | 86.9471% | 2,022 |
| Equity capital to assets | 9.4136% | 4,313 |
| Core capital (leverage) ratio | 9.1770% | 4,425 |
| Tier 1 risk-based capital ratio | 11.9613% | 4,557 |
| Total risk-based capital ratio | 12.8779% | 4,657 |
| Memoranda: | ||
| Average total assets | $457,133,400 | 1,522 |
| Average earning assets | $408,483,400 | 1,569 |
| Average equity | $47,441,400 | 1,583 |
| Average total loans | $355,858,000 | 1,363 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2056% | 2,591 |
| Cost of funding earning assets | 0.5974% | 1,540 |
| Net interest margin | 3.6082% | 3,118 |
| Noninterest income to average assets | 1.9352% | 324 |
| Noninterest expense to average assets | 4.6706% | 275 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.3484% | 5,117 |
| Return on assets (ROA) | 0.3465% | 5,141 |
| Pretax return on assets | 0.4826% | 5,066 |
| Return on Equity (ROE) | 3.2588% | 5,046 |
| Retained earnings to average equity (ytd only) | 3.2588% | 3,984 |
| Net charge-offs to loans | 0.0494% | 2,440 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 12.6692% | 2,409 |
| Efficiency ratio | 90.5891% | 389 |
| Assets per employee ($millions) | 2.8840% | 5,333 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9196% | 4,466 |
| Loan loss allowance to noncurrent loans | 30.5137% | 4,928 |
| Noncurrent assets plus other real estate owned to assets | 2.6907% | 364 |
| Noncurrent loans to loans | 3.0138% | 424 |
| Net loans and leases to total assets | 75.7201% | 1,634 |
| Net loans and leases to deposits | 85.4521% | 2,369 |
| Net loans and leases to core deposits | 88.7848% | 2,706 |
| Total domestic deposits to total assets | 88.6112% | 1,064 |
| Equity capital to assets | 10.3388% | 3,546 |
| Core capital (leverage) ratio | 9.5140% | 4,148 |
| Tier 1 risk-based capital ratio | 13.2303% | 3,861 |
| Total risk-based capital ratio | 14.2266% | 3,935 |
| Memoranda: | ||
| Average total assets | $452,577,500 | 1,550 |
| Average earning assets | $403,958,000 | 1,598 |
| Average equity | $48,114,750 | 1,582 |
| Average total loans | $350,633,500 | 1,386 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1592% | 2,633 |
| Cost of funding earning assets | 0.5915% | 1,502 |
| Net interest margin | 3.5677% | 3,155 |
| Noninterest income to average assets | 2.0026% | 311 |
| Noninterest expense to average assets | 4.6674% | 273 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.3752% | 5,033 |
| Return on assets (ROA) | 0.3723% | 5,065 |
| Pretax return on assets | 0.5155% | 4,983 |
| Return on Equity (ROE) | 3.4694% | 4,985 |
| Retained earnings to average equity (ytd only) | 3.4694% | 3,641 |
| Net charge-offs to loans | 0.0606% | 2,057 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 11.0189% | 2,303 |
| Efficiency ratio | 89.9837% | 454 |
| Assets per employee ($millions) | 2.8511% | 5,391 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9314% | 4,506 |
| Loan loss allowance to noncurrent loans | 32.6863% | 4,927 |
| Noncurrent assets plus other real estate owned to assets | 2.5670% | 408 |
| Noncurrent loans to loans | 2.8495% | 474 |
| Net loans and leases to total assets | 75.7049% | 1,584 |
| Net loans and leases to deposits | 85.3803% | 2,300 |
| Net loans and leases to core deposits | 88.4871% | 2,659 |
| Total domestic deposits to total assets | 88.6679% | 1,120 |
| Equity capital to assets | 10.3180% | 3,552 |
| Core capital (leverage) ratio | 9.6363% | 3,979 |
| Tier 1 risk-based capital ratio | 13.3348% | 3,788 |
| Total risk-based capital ratio | 14.3567% | 3,850 |
| Memoranda: | ||
| Average total assets | $449,624,670 | 1,565 |
| Average earning assets | $401,322,670 | 1,610 |
| Average equity | $48,250,670 | 1,583 |
| Average total loans | $349,963,670 | 1,392 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1661% | 2,401 |
| Cost of funding earning assets | 0.5839% | 1,487 |
| Net interest margin | 3.5821% | 2,956 |
| Noninterest income to average assets | 2.1262% | 290 |
| Noninterest expense to average assets | 4.6614% | 292 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.4860% | 4,653 |
| Return on assets (ROA) | 0.4801% | 4,697 |
| Pretax return on assets | 0.6554% | 4,581 |
| Return on Equity (ROE) | 4.3865% | 4,636 |
| Retained earnings to average equity (ytd only) | 4.3865% | 3,231 |
| Net charge-offs to loans | 0.0011% | 2,922 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 738.0000% | 67 |
| Efficiency ratio | 87.5401% | 691 |
| Assets per employee ($millions) | 2.9101% | 5,423 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9711% | 4,437 |
| Loan loss allowance to noncurrent loans | 35.6147% | 4,941 |
| Noncurrent assets plus other real estate owned to assets | 2.4492% | 480 |
| Noncurrent loans to loans | 2.7267% | 546 |
| Net loans and leases to total assets | 76.7293% | 1,302 |
| Net loans and leases to deposits | 88.1319% | 1,779 |
| Net loans and leases to core deposits | 91.1217% | 2,248 |
| Total domestic deposits to total assets | 87.0618% | 2,185 |
| Equity capital to assets | 10.5229% | 3,159 |
| Core capital (leverage) ratio | 9.7928% | 3,764 |
| Tier 1 risk-based capital ratio | 13.1716% | 3,975 |
| Total risk-based capital ratio | 14.2189% | 3,995 |
| Memoranda: | ||
| Average total assets | $444,926,000 | 1,582 |
| Average earning assets | $397,306,000 | 1,631 |
| Average equity | $48,695,000 | 1,565 |
| Average total loans | $349,561,000 | 1,403 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2781% | 2,218 |
| Cost of funding earning assets | 0.6480% | 1,070 |
| Net interest margin | 3.6301% | 2,962 |
| Noninterest income to average assets | 2.3813% | 269 |
| Noninterest expense to average assets | 4.9465% | 264 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 2.5521% | 135 |
| Return on assets (ROA) | 2.5900% | 133 |
| Pretax return on assets | 0.6539% | 4,642 |
| Return on Equity (ROE) | 25.3039% | 72 |
| Retained earnings to average equity (ytd only) | 25.3039% | 25 |
| Net charge-offs to loans | 0.0561% | 2,928 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 13.9524% | 2,330 |
| Efficiency ratio | 88.9258% | 620 |
| Assets per employee ($millions) | 2.6291% | 5,600 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9586% | 4,534 |
| Loan loss allowance to noncurrent loans | 31.8930% | 5,049 |
| Noncurrent assets plus other real estate owned to assets | 3.0568% | 321 |
| Noncurrent loans to loans | 3.0055% | 454 |
| Net loans and leases to total assets | 78.9027% | 1,058 |
| Net loans and leases to deposits | 90.5113% | 1,630 |
| Net loans and leases to core deposits | 93.5788% | 2,145 |
| Total domestic deposits to total assets | 87.1745% | 2,044 |
| Equity capital to assets | 11.3723% | 2,267 |
| Core capital (leverage) ratio | 10.4668% | 2,912 |
| Tier 1 risk-based capital ratio | 14.2767% | 3,298 |
| Total risk-based capital ratio | 15.3270% | 3,338 |
| Memoranda: | ||
| Average total assets | $428,077,400 | 1,589 |
| Average earning assets | $375,145,200 | 1,659 |
| Average equity | $43,815,400 | 1,692 |
| Average total loans | $336,887,200 | 1,384 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2978% | 2,170 |
| Cost of funding earning assets | 0.6618% | 997 |
| Net interest margin | 3.6360% | 2,941 |
| Noninterest income to average assets | 2.4081% | 271 |
| Noninterest expense to average assets | 5.0108% | 264 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 3.2388% | 73 |
| Return on assets (ROA) | 3.2897% | 72 |
| Pretax return on assets | 0.6166% | 4,834 |
| Return on Equity (ROE) | 33.0960% | 24 |
| Retained earnings to average equity (ytd only) | 33.0960% | 8 |
| Net charge-offs to loans | 0.0572% | 2,540 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 12.6015% | 2,377 |
| Efficiency ratio | 89.8547% | 564 |
| Assets per employee ($millions) | 2.7352% | 5,589 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9779% | 4,525 |
| Loan loss allowance to noncurrent loans | 27.9125% | 5,220 |
| Noncurrent assets plus other real estate owned to assets | 3.5816% | 268 |
| Noncurrent loans to loans | 3.5034% | 366 |
| Net loans and leases to total assets | 78.1334% | 1,171 |
| Net loans and leases to deposits | 90.8416% | 1,651 |
| Net loans and leases to core deposits | 94.5317% | 2,147 |
| Total domestic deposits to total assets | 86.0106% | 2,344 |
| Equity capital to assets | 11.2374% | 2,755 |
| Core capital (leverage) ratio | 10.6103% | 2,862 |
| Tier 1 risk-based capital ratio | 14.2358% | 3,439 |
| Total risk-based capital ratio | 15.3225% | 3,442 |
| Memoranda: | ||
| Average total assets | $424,672,500 | 1,598 |
| Average earning assets | $370,072,000 | 1,687 |
| Average equity | $42,211,500 | 1,759 |
| Average total loans | $333,138,000 | 1,401 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2990% | 2,159 |
| Cost of funding earning assets | 0.6772% | 911 |
| Net interest margin | 3.6217% | 3,010 |
| Noninterest income to average assets | 2.3181% | 282 |
| Noninterest expense to average assets | 4.9311% | 281 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.5304% | 4,559 |
| Return on assets (ROA) | 0.6007% | 4,388 |
| Pretax return on assets | 0.6007% | 4,882 |
| Return on Equity (ROE) | 6.3350% | 3,886 |
| Retained earnings to average equity (ytd only) | 6.3350% | 1,944 |
| Net charge-offs to loans | 0.0238% | 3,010 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 28.4615% | 1,429 |
| Efficiency ratio | 90.2879% | 591 |
| Assets per employee ($millions) | 2.5593% | 5,760 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0381% | 4,299 |
| Loan loss allowance to noncurrent loans | 31.3072% | 5,261 |
| Noncurrent assets plus other real estate owned to assets | 3.6422% | 283 |
| Noncurrent loans to loans | 3.3157% | 414 |
| Net loans and leases to total assets | 80.5097% | 825 |
| Net loans and leases to deposits | 90.8636% | 1,645 |
| Net loans and leases to core deposits | 94.5941% | 2,100 |
| Total domestic deposits to total assets | 88.6050% | 1,113 |
| Equity capital to assets | 9.7266% | 4,536 |
| Core capital (leverage) ratio | 9.6803% | 3,960 |
| Tier 1 risk-based capital ratio | 13.5096% | 3,896 |
| Total risk-based capital ratio | 14.6828% | 3,854 |
| Memoranda: | ||
| Average total assets | $418,529,670 | 1,620 |
| Average earning assets | $363,251,330 | 1,716 |
| Average equity | $39,684,330 | 1,870 |
| Average total loans | $327,641,000 | 1,422 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3746% | 1,876 |
| Cost of funding earning assets | 0.6977% | 816 |
| Net interest margin | 3.6769% | 2,774 |
| Noninterest income to average assets | 1.9828% | 341 |
| Noninterest expense to average assets | 4.7775% | 318 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.3378% | 5,190 |
| Return on assets (ROA) | 0.4418% | 4,938 |
| Pretax return on assets | 0.4418% | 5,225 |
| Return on Equity (ROE) | 4.7199% | 4,615 |
| Retained earnings to average equity (ytd only) | 4.7199% | 3,105 |
| Net charge-offs to loans | -0.0609% | 5,426 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.3968% | 483 |
| Assets per employee ($millions) | 2.5803% | 5,804 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1201% | 3,946 |
| Loan loss allowance to noncurrent loans | 30.9851% | 5,272 |
| Noncurrent assets plus other real estate owned to assets | 4.2293% | 222 |
| Noncurrent loans to loans | 3.6148% | 369 |
| Net loans and leases to total assets | 75.7951% | 1,423 |
| Net loans and leases to deposits | 85.8729% | 2,072 |
| Net loans and leases to core deposits | 88.8629% | 2,472 |
| Total domestic deposits to total assets | 88.2643% | 1,495 |
| Equity capital to assets | 9.4658% | 4,698 |
| Core capital (leverage) ratio | 9.5011% | 4,196 |
| Tier 1 risk-based capital ratio | 13.0165% | 4,258 |
| Total risk-based capital ratio | 14.1988% | 4,215 |
| Memoranda: | ||
| Average total assets | $419,211,000 | 1,617 |
| Average earning assets | $357,152,000 | 1,739 |
| Average equity | $39,238,500 | 1,882 |
| Average total loans | $321,770,000 | 1,441 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2777% | 2,288 |
| Cost of funding earning assets | 0.7319% | 697 |
| Net interest margin | 3.5458% | 3,347 |
| Noninterest income to average assets | 2.3915% | 280 |
| Noninterest expense to average assets | 5.0289% | 275 |
| Loan and lease loss provision to assets | -0.4697% | 6,119 |
| Net operating income to assets | 0.8630% | 3,053 |
| Return on assets (ROA) | 0.8644% | 3,121 |
| Pretax return on assets | 0.8644% | 3,977 |
| Return on Equity (ROE) | 10.2872% | 1,886 |
| Retained earnings to average equity (ytd only) | 10.2872% | 425 |
| Net charge-offs to loans | 0.0537% | 3,130 |
| Credit loss provision to net charge-offs | -1,197.6048% | 5,578 |
| Earnings coverage of net charge-offs (x) | 10.0299% | 2,743 |
| Efficiency ratio | 92.7458% | 539 |
| Assets per employee ($millions) | 2.6469% | 5,815 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1092% | 3,997 |
| Loan loss allowance to noncurrent loans | 28.9405% | 5,352 |
| Noncurrent assets plus other real estate owned to assets | 4.5295% | 209 |
| Noncurrent loans to loans | 3.8325% | 334 |
| Net loans and leases to total assets | 75.9379% | 1,431 |
| Net loans and leases to deposits | 86.2196% | 2,104 |
| Net loans and leases to core deposits | 88.3709% | 2,567 |
| Total domestic deposits to total assets | 88.0750% | 1,588 |
| Equity capital to assets | 9.3907% | 4,679 |
| Core capital (leverage) ratio | 9.4757% | 4,210 |
| Tier 1 risk-based capital ratio | 13.0303% | 4,287 |
| Total risk-based capital ratio | 14.1982% | 4,260 |
| Memoranda: | ||
| Average total assets | $425,841,200 | 1,561 |
| Average earning assets | $363,983,200 | 1,663 |
| Average equity | $35,782,400 | 1,993 |
| Average total loans | $311,126,200 | 1,422 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2503% | 2,399 |
| Cost of funding earning assets | 0.7420% | 676 |
| Net interest margin | 3.5083% | 3,504 |
| Noninterest income to average assets | 2.6111% | 252 |
| Noninterest expense to average assets | 5.0639% | 272 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.5449% | 4,612 |
| Return on assets (ROA) | 0.5470% | 4,704 |
| Pretax return on assets | 0.5470% | 5,106 |
| Return on Equity (ROE) | 6.7028% | 3,779 |
| Retained earnings to average equity (ytd only) | 6.7028% | 1,832 |
| Net charge-offs to loans | 0.1007% | 2,140 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 7.5021% | 2,906 |
| Efficiency ratio | 90.2857% | 684 |
| Assets per employee ($millions) | 2.4726% | 5,970 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7586% | 1,345 |
| Loan loss allowance to noncurrent loans | 40.3910% | 5,202 |
| Noncurrent assets plus other real estate owned to assets | 5.1447% | 187 |
| Noncurrent loans to loans | 4.3540% | 260 |
| Net loans and leases to total assets | 73.0417% | 1,899 |
| Net loans and leases to deposits | 82.3781% | 2,598 |
| Net loans and leases to core deposits | 84.1086% | 3,028 |
| Total domestic deposits to total assets | 88.6664% | 1,191 |
| Equity capital to assets | 8.9260% | 5,375 |
| Core capital (leverage) ratio | 8.9339% | 5,077 |
| Tier 1 risk-based capital ratio | 12.5674% | 4,706 |
| Total risk-based capital ratio | 13.8245% | 4,602 |
| Memoranda: | ||
| Average total assets | $427,748,250 | 1,568 |
| Average earning assets | $365,484,000 | 1,670 |
| Average equity | $34,909,750 | 2,058 |
| Average total loans | $308,621,750 | 1,440 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1946% | 2,554 |
| Cost of funding earning assets | 0.7534% | 632 |
| Net interest margin | 3.4412% | 3,751 |
| Noninterest income to average assets | 2.4662% | 277 |
| Noninterest expense to average assets | 4.9477% | 299 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.4509% | 4,966 |
| Return on assets (ROA) | 0.4542% | 5,063 |
| Pretax return on assets | 0.4542% | 5,345 |
| Return on Equity (ROE) | 5.7403% | 4,260 |
| Retained earnings to average equity (ytd only) | 5.7403% | 2,389 |
| Net charge-offs to loans | 0.1054% | 1,949 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 5.9877% | 2,847 |
| Efficiency ratio | 91.6473% | 659 |
| Assets per employee ($millions) | 2.5143% | 6,020 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7273% | 1,547 |
| Loan loss allowance to noncurrent loans | 36.1447% | 5,355 |
| Noncurrent assets plus other real estate owned to assets | 5.6497% | 172 |
| Noncurrent loans to loans | 4.7789% | 260 |
| Net loans and leases to total assets | 74.5367% | 1,577 |
| Net loans and leases to deposits | 84.6292% | 2,232 |
| Net loans and leases to core deposits | 86.5316% | 2,708 |
| Total domestic deposits to total assets | 88.0745% | 1,615 |
| Equity capital to assets | 8.5399% | 5,653 |
| Core capital (leverage) ratio | 8.5935% | 5,446 |
| Tier 1 risk-based capital ratio | 12.1360% | 5,050 |
| Total risk-based capital ratio | 13.3930% | 4,944 |
| Memoranda: | ||
| Average total assets | $430,219,670 | 1,563 |
| Average earning assets | $366,612,330 | 1,677 |
| Average equity | $34,040,000 | 2,112 |
| Average total loans | $307,324,000 | 1,445 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1339% | 2,695 |
| Cost of funding earning assets | 0.7684% | 594 |
| Net interest margin | 3.3655% | 3,968 |
| Noninterest income to average assets | 2.0533% | 359 |
| Noninterest expense to average assets | 4.8384% | 335 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.0804% | 5,910 |
| Return on assets (ROA) | 0.0869% | 5,955 |
| Pretax return on assets | 0.0869% | 5,963 |
| Return on Equity (ROE) | 1.1423% | 5,882 |
| Retained earnings to average equity (ytd only) | 1.1423% | 5,025 |
| Net charge-offs to loans | -0.1534% | 5,987 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.3656% | 418 |
| Assets per employee ($millions) | 2.4759% | 6,126 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9248% | 1,233 |
| Loan loss allowance to noncurrent loans | 65.7072% | 4,563 |
| Noncurrent assets plus other real estate owned to assets | 4.6738% | 275 |
| Noncurrent loans to loans | 2.9293% | 762 |
| Net loans and leases to total assets | 68.3367% | 2,390 |
| Net loans and leases to deposits | 78.1873% | 2,777 |
| Net loans and leases to core deposits | 80.0827% | 3,150 |
| Total domestic deposits to total assets | 87.4013% | 2,164 |
| Equity capital to assets | 8.1868% | 5,943 |
| Core capital (leverage) ratio | 8.5034% | 5,515 |
| Tier 1 risk-based capital ratio | 11.9351% | 5,279 |
| Total risk-based capital ratio | 13.1936% | 5,167 |
| Memoranda: | ||
| Average total assets | $432,868,500 | 1,567 |
| Average earning assets | $368,564,500 | 1,679 |
| Average equity | $32,916,000 | 2,188 |
| Average total loans | $299,841,000 | 1,481 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4983% | 1,874 |
| Cost of funding earning assets | 0.9047% | 382 |
| Net interest margin | 3.5936% | 3,434 |
| Noninterest income to average assets | 1.8896% | 371 |
| Noninterest expense to average assets | 5.0084% | 303 |
| Loan and lease loss provision to assets | 0.0229% | 4,150 |
| Net operating income to assets | -0.1037% | 6,158 |
| Return on assets (ROA) | -0.1517% | 6,183 |
| Pretax return on assets | -0.1517% | 6,166 |
| Return on Equity (ROE) | -2.2979% | 6,222 |
| Retained earnings to average equity (ytd only) | -2.2979% | 6,042 |
| Net charge-offs to loans | 0.5621% | 723 |
| Credit loss provision to net charge-offs | 6.2112% | 4,147 |
| Earnings coverage of net charge-offs (x) | -0.2199% | 4,737 |
| Efficiency ratio | 101.6417% | 334 |
| Assets per employee ($millions) | 2.3626% | 6,243 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9351% | 1,226 |
| Loan loss allowance to noncurrent loans | 69.8829% | 4,523 |
| Noncurrent assets plus other real estate owned to assets | 4.8457% | 294 |
| Noncurrent loans to loans | 2.7690% | 865 |
| Net loans and leases to total assets | 67.5210% | 2,642 |
| Net loans and leases to deposits | 76.6158% | 3,130 |
| Net loans and leases to core deposits | 78.5464% | 3,461 |
| Total domestic deposits to total assets | 88.1294% | 1,704 |
| Equity capital to assets | 7.0137% | 6,324 |
| Core capital (leverage) ratio | 7.1833% | 6,276 |
| Tier 1 risk-based capital ratio | 10.8191% | 5,981 |
| Total risk-based capital ratio | 12.0787% | 5,905 |
| Memoranda: | ||
| Average total assets | $437,601,000 | 1,522 |
| Average earning assets | $369,937,200 | 1,631 |
| Average equity | $28,895,800 | 2,357 |
| Average total loans | $286,444,400 | 1,487 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5277% | 1,774 |
| Cost of funding earning assets | 0.9184% | 377 |
| Net interest margin | 3.6093% | 3,389 |
| Noninterest income to average assets | 1.9531% | 358 |
| Noninterest expense to average assets | 5.1041% | 287 |
| Loan and lease loss provision to assets | 0.0303% | 3,805 |
| Net operating income to assets | -0.1256% | 6,234 |
| Return on assets (ROA) | -0.1298% | 6,243 |
| Pretax return on assets | -0.1298% | 6,221 |
| Return on Equity (ROE) | -1.9967% | 6,284 |
| Retained earnings to average equity (ytd only) | -1.9967% | 6,072 |
| Net charge-offs to loans | 0.7891% | 424 |
| Credit loss provision to net charge-offs | 5.9488% | 3,748 |
| Earnings coverage of net charge-offs (x) | -0.1868% | 4,474 |
| Efficiency ratio | 101.9018% | 329 |
| Assets per employee ($millions) | 2.3228% | 6,340 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0034% | 1,252 |
| Loan loss allowance to noncurrent loans | 59.2647% | 4,816 |
| Noncurrent assets plus other real estate owned to assets | 5.4804% | 279 |
| Noncurrent loans to loans | 3.3804% | 719 |
| Net loans and leases to total assets | 64.4066% | 3,125 |
| Net loans and leases to deposits | 72.6523% | 3,607 |
| Net loans and leases to core deposits | 74.9487% | 3,852 |
| Total domestic deposits to total assets | 88.6505% | 1,423 |
| Equity capital to assets | 6.8318% | 6,409 |
| Core capital (leverage) ratio | 7.1129% | 6,370 |
| Tier 1 risk-based capital ratio | 10.6231% | 6,166 |
| Total risk-based capital ratio | 11.8817% | 6,111 |
| Memoranda: | ||
| Average total assets | $439,504,750 | 1,527 |
| Average earning assets | $372,101,500 | 1,633 |
| Average equity | $28,580,250 | 2,383 |
| Average total loans | $284,040,500 | 1,507 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5359% | 1,709 |
| Cost of funding earning assets | 0.9302% | 358 |
| Net interest margin | 3.6057% | 3,341 |
| Noninterest income to average assets | 1.9211% | 367 |
| Noninterest expense to average assets | 5.1580% | 285 |
| Loan and lease loss provision to assets | 0.0452% | 3,417 |
| Net operating income to assets | -0.2335% | 6,337 |
| Return on assets (ROA) | -0.2335% | 6,349 |
| Pretax return on assets | -0.2335% | 6,330 |
| Return on Equity (ROE) | -3.6510% | 6,402 |
| Retained earnings to average equity (ytd only) | -3.6510% | 6,146 |
| Net charge-offs to loans | 1.1652% | 272 |
| Credit loss provision to net charge-offs | 6.0314% | 3,348 |
| Earnings coverage of net charge-offs (x) | -0.2515% | 4,158 |
| Efficiency ratio | 103.7902% | 323 |
| Assets per employee ($millions) | 2.4378% | 6,334 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0631% | 1,249 |
| Loan loss allowance to noncurrent loans | 55.9760% | 4,947 |
| Noncurrent assets plus other real estate owned to assets | 5.8839% | 262 |
| Noncurrent loans to loans | 3.6857% | 695 |
| Net loans and leases to total assets | 61.4573% | 3,492 |
| Net loans and leases to deposits | 69.2092% | 3,916 |
| Net loans and leases to core deposits | 72.2229% | 4,031 |
| Total domestic deposits to total assets | 88.7994% | 1,473 |
| Equity capital to assets | 6.6460% | 6,481 |
| Core capital (leverage) ratio | 6.9619% | 6,439 |
| Tier 1 risk-based capital ratio | 10.3651% | 6,293 |
| Total risk-based capital ratio | 11.6232% | 6,251 |
| Memoranda: | ||
| Average total assets | $442,769,000 | 1,512 |
| Average earning assets | $374,347,000 | 1,624 |
| Average equity | $28,321,330 | 2,386 |
| Average total loans | $284,580,330 | 1,501 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6386% | 1,404 |
| Cost of funding earning assets | 0.9481% | 344 |
| Net interest margin | 3.6906% | 2,899 |
| Noninterest income to average assets | 1.5424% | 499 |
| Noninterest expense to average assets | 5.0617% | 310 |
| Loan and lease loss provision to assets | 0.0899% | 2,414 |
| Net operating income to assets | -0.5073% | 6,473 |
| Return on assets (ROA) | -0.5073% | 6,472 |
| Pretax return on assets | -0.5073% | 6,457 |
| Return on Equity (ROE) | -8.0859% | 6,533 |
| Retained earnings to average equity (ytd only) | -8.0859% | 6,289 |
| Net charge-offs to loans | 1.0222% | 328 |
| Credit loss provision to net charge-offs | 13.5318% | 2,574 |
| Earnings coverage of net charge-offs (x) | -0.6279% | 3,491 |
| Efficiency ratio | 108.9853% | 287 |
| Assets per employee ($millions) | 2.2375% | 6,496 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3285% | 985 |
| Loan loss allowance to noncurrent loans | 41.1959% | 5,535 |
| Noncurrent assets plus other real estate owned to assets | 7.0859% | 216 |
| Noncurrent loans to loans | 5.6522% | 347 |
| Net loans and leases to total assets | 61.8658% | 3,260 |
| Net loans and leases to deposits | 69.7977% | 3,630 |
| Net loans and leases to core deposits | 72.8825% | 3,776 |
| Total domestic deposits to total assets | 88.6359% | 1,871 |
| Equity capital to assets | 6.3078% | 6,543 |
| Core capital (leverage) ratio | 6.9356% | 6,484 |
| Tier 1 risk-based capital ratio | 9.7577% | 6,517 |
| Total risk-based capital ratio | 11.0181% | 6,495 |
| Memoranda: | ||
| Average total assets | $444,750,000 | 1,507 |
| Average earning assets | $373,816,000 | 1,633 |
| Average equity | $27,900,500 | 2,413 |
| Average total loans | $289,190,500 | 1,482 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8519% | 1,194 |
| Cost of funding earning assets | 1.0329% | 386 |
| Net interest margin | 3.8189% | 2,577 |
| Noninterest income to average assets | 2.5216% | 279 |
| Noninterest expense to average assets | 6.3467% | 174 |
| Loan and lease loss provision to assets | 0.2471% | 1,459 |
| Net operating income to assets | -0.8094% | 6,570 |
| Return on assets (ROA) | -0.7637% | 6,558 |
| Pretax return on assets | -0.7637% | 6,549 |
| Return on Equity (ROE) | -11.7260% | 6,602 |
| Retained earnings to average equity (ytd only) | -11.7260% | 6,563 |
| Net charge-offs to loans | 1.4306% | 340 |
| Credit loss provision to net charge-offs | 24.7364% | 4,356 |
| Earnings coverage of net charge-offs (x) | -0.5631% | 5,210 |
| Efficiency ratio | 109.7222% | 272 |
| Assets per employee ($millions) | 2.1881% | 6,569 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4544% | 869 |
| Loan loss allowance to noncurrent loans | 38.6967% | 5,672 |
| Noncurrent assets plus other real estate owned to assets | 8.0201% | 186 |
| Noncurrent loans to loans | 6.3428% | 298 |
| Net loans and leases to total assets | 65.0888% | 2,847 |
| Net loans and leases to deposits | 73.5625% | 3,323 |
| Net loans and leases to core deposits | 77.0103% | 3,488 |
| Total domestic deposits to total assets | 88.4809% | 1,912 |
| Equity capital to assets | 6.2384% | 6,596 |
| Core capital (leverage) ratio | 6.9209% | 6,538 |
| Tier 1 risk-based capital ratio | 9.6381% | 6,587 |
| Total risk-based capital ratio | 10.9003% | 6,563 |
| Memoranda: | ||
| Average total assets | $474,784,000 | 1,399 |
| Average earning assets | $405,636,000 | 1,494 |
| Average equity | $30,922,800 | 2,201 |
| Average total loans | $331,463,400 | 1,285 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8614% | 1,210 |
| Cost of funding earning assets | 1.0507% | 390 |
| Net interest margin | 3.8106% | 2,606 |
| Noninterest income to average assets | 2.7112% | 268 |
| Noninterest expense to average assets | 5.7831% | 224 |
| Loan and lease loss provision to assets | 0.2272% | 1,595 |
| Net operating income to assets | -0.0334% | 6,327 |
| Return on assets (ROA) | 0.0265% | 6,317 |
| Pretax return on assets | 0.0265% | 6,298 |
| Return on Equity (ROE) | 0.4030% | 6,288 |
| Retained earnings to average equity (ytd only) | 0.4030% | 5,807 |
| Net charge-offs to loans | 1.1756% | 465 |
| Credit loss provision to net charge-offs | 27.4059% | 3,943 |
| Earnings coverage of net charge-offs (x) | 0.2338% | 4,788 |
| Efficiency ratio | 96.7577% | 585 |
| Assets per employee ($millions) | 2.2108% | 6,640 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7172% | 727 |
| Loan loss allowance to noncurrent loans | 38.3654% | 5,690 |
| Noncurrent assets plus other real estate owned to assets | 9.2086% | 164 |
| Noncurrent loans to loans | 7.0825% | 291 |
| Net loans and leases to total assets | 67.5002% | 2,372 |
| Net loans and leases to deposits | 76.8234% | 2,841 |
| Net loans and leases to core deposits | 81.0074% | 3,001 |
| Total domestic deposits to total assets | 87.8642% | 2,213 |
| Equity capital to assets | 6.6218% | 6,624 |
| Core capital (leverage) ratio | 7.0528% | 6,575 |
| Tier 1 risk-based capital ratio | 9.8484% | 6,628 |
| Total risk-based capital ratio | 11.1147% | 6,594 |
| Memoranda: | ||
| Average total assets | $482,979,000 | 1,380 |
| Average earning assets | $413,921,000 | 1,478 |
| Average equity | $31,760,000 | 2,163 |
| Average total loans | $340,595,750 | 1,257 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8762% | 1,154 |
| Cost of funding earning assets | 1.0857% | 356 |
| Net interest margin | 3.7906% | 2,590 |
| Noninterest income to average assets | 2.7337% | 285 |
| Noninterest expense to average assets | 5.6240% | 247 |
| Loan and lease loss provision to assets | 0.3349% | 1,026 |
| Net operating income to assets | 0.0273% | 6,267 |
| Return on assets (ROA) | 0.1156% | 6,191 |
| Pretax return on assets | 0.1156% | 6,208 |
| Return on Equity (ROE) | 1.7615% | 6,029 |
| Retained earnings to average equity (ytd only) | 1.7615% | 5,134 |
| Net charge-offs to loans | 1.1605% | 504 |
| Credit loss provision to net charge-offs | 40.7224% | 3,410 |
| Earnings coverage of net charge-offs (x) | 0.4404% | 4,394 |
| Efficiency ratio | 93.9493% | 765 |
| Assets per employee ($millions) | 2.3361% | 6,619 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9535% | 613 |
| Loan loss allowance to noncurrent loans | 44.3143% | 5,441 |
| Noncurrent assets plus other real estate owned to assets | 9.0868% | 182 |
| Noncurrent loans to loans | 6.6649% | 383 |
| Net loans and leases to total assets | 65.6141% | 2,659 |
| Net loans and leases to deposits | 75.2682% | 2,979 |
| Net loans and leases to core deposits | 79.7846% | 3,049 |
| Total domestic deposits to total assets | 87.1737% | 2,723 |
| Equity capital to assets | 6.4161% | 6,703 |
| Core capital (leverage) ratio | 6.8636% | 6,644 |
| Tier 1 risk-based capital ratio | 9.7673% | 6,680 |
| Total risk-based capital ratio | 11.0367% | 6,659 |
| Memoranda: | ||
| Average total assets | $491,429,330 | 1,360 |
| Average earning assets | $421,680,000 | 1,452 |
| Average equity | $32,245,670 | 2,140 |
| Average total loans | $348,285,000 | 1,215 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0394% | 838 |
| Cost of funding earning assets | 1.1197% | 341 |
| Net interest margin | 3.9197% | 2,052 |
| Noninterest income to average assets | 2.7133% | 284 |
| Noninterest expense to average assets | 5.8310% | 226 |
| Loan and lease loss provision to assets | 0.6630% | 362 |
| Net operating income to assets | -0.4133% | 6,634 |
| Return on assets (ROA) | -0.3408% | 6,630 |
| Pretax return on assets | -0.3408% | 6,614 |
| Return on Equity (ROE) | -5.1382% | 6,700 |
| Retained earnings to average equity (ytd only) | -5.1382% | 6,375 |
| Net charge-offs to loans | 1.4577% | 376 |
| Credit loss provision to net charge-offs | 62.7765% | 2,398 |
| Earnings coverage of net charge-offs (x) | 0.2365% | 3,740 |
| Efficiency ratio | 95.8930% | 738 |
| Assets per employee ($millions) | 2.3526% | 6,692 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0319% | 639 |
| Loan loss allowance to noncurrent loans | 42.3107% | 5,502 |
| Noncurrent assets plus other real estate owned to assets | 9.3995% | 223 |
| Noncurrent loans to loans | 7.1658% | 399 |
| Net loans and leases to total assets | 67.7769% | 2,057 |
| Net loans and leases to deposits | 78.2186% | 2,308 |
| Net loans and leases to core deposits | 83.0213% | 2,452 |
| Total domestic deposits to total assets | 86.6507% | 3,155 |
| Equity capital to assets | 6.7142% | 6,756 |
| Core capital (leverage) ratio | 6.5065% | 6,747 |
| Tier 1 risk-based capital ratio | 9.3918% | 6,775 |
| Total risk-based capital ratio | 10.6632% | 6,767 |
| Memoranda: | ||
| Average total assets | $496,521,000 | 1,358 |
| Average earning assets | $426,561,500 | 1,445 |
| Average equity | $32,930,000 | 2,130 |
| Average total loans | $359,740,000 | 1,190 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1422% | 1,226 |
| Cost of funding earning assets | 1.2120% | 546 |
| Net interest margin | 3.9302% | 2,698 |
| Noninterest income to average assets | 2.2623% | 366 |
| Noninterest expense to average assets | 5.2585% | 318 |
| Loan and lease loss provision to assets | 1.7112% | 157 |
| Net operating income to assets | -1.7873% | 6,906 |
| Return on assets (ROA) | -1.5972% | 6,892 |
| Pretax return on assets | -1.0999% | 6,756 |
| Return on Equity (ROE) | -24.4495% | 6,922 |
| Retained earnings to average equity (ytd only) | -24.4495% | 6,894 |
| Net charge-offs to loans | 3.4817% | 110 |
| Credit loss provision to net charge-offs | 63.3445% | 4,362 |
| Earnings coverage of net charge-offs (x) | 0.1559% | 5,415 |
| Efficiency ratio | 92.5829% | 885 |
| Assets per employee ($millions) | 2.4686% | 6,642 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8510% | 784 |
| Loan loss allowance to noncurrent loans | 42.0218% | 5,532 |
| Noncurrent assets plus other real estate owned to assets | 9.0748% | 266 |
| Noncurrent loans to loans | 6.7845% | 479 |
| Net loans and leases to total assets | 72.7761% | 1,377 |
| Net loans and leases to deposits | 84.2927% | 1,722 |
| Net loans and leases to core deposits | 89.2165% | 1,937 |
| Total domestic deposits to total assets | 86.3374% | 3,180 |
| Equity capital to assets | 6.5532% | 6,834 |
| Core capital (leverage) ratio | 6.5200% | 6,791 |
| Tier 1 risk-based capital ratio | 8.7724% | 6,874 |
| Total risk-based capital ratio | 10.0426% | 6,875 |
| Memoranda: | ||
| Average total assets | $531,483,200 | 1,254 |
| Average earning assets | $462,139,800 | 1,319 |
| Average equity | $34,720,600 | 1,998 |
| Average total loans | $412,379,800 | 1,013 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0084% | 1,676 |
| Cost of funding earning assets | 1.2272% | 612 |
| Net interest margin | 3.7811% | 3,415 |
| Noninterest income to average assets | 2.1979% | 372 |
| Noninterest expense to average assets | 5.2076% | 325 |
| Loan and lease loss provision to assets | 2.2546% | 81 |
| Net operating income to assets | -2.6196% | 7,095 |
| Return on assets (ROA) | -2.4163% | 7,087 |
| Pretax return on assets | -1.7638% | 6,995 |
| Return on Equity (ROE) | -37.0142% | 7,093 |
| Retained earnings to average equity (ytd only) | -37.0142% | 7,086 |
| Net charge-offs to loans | 4.1549% | 74 |
| Credit loss provision to net charge-offs | 69.3745% | 3,922 |
| Earnings coverage of net charge-offs (x) | 0.0885% | 5,293 |
| Efficiency ratio | 94.7670% | 727 |
| Assets per employee ($millions) | 2.4495% | 6,740 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0377% | 687 |
| Loan loss allowance to noncurrent loans | 29.2323% | 6,155 |
| Noncurrent assets plus other real estate owned to assets | 12.2508% | 156 |
| Noncurrent loans to loans | 10.3916% | 228 |
| Net loans and leases to total assets | 76.2623% | 932 |
| Net loans and leases to deposits | 88.0106% | 1,349 |
| Net loans and leases to core deposits | 93.3443% | 1,643 |
| Total domestic deposits to total assets | 86.6513% | 2,881 |
| Equity capital to assets | 6.0301% | 6,986 |
| Core capital (leverage) ratio | 5.9433% | 6,951 |
| Tier 1 risk-based capital ratio | 7.5914% | 7,016 |
| Total risk-based capital ratio | 8.8640% | 7,018 |
| Memoranda: | ||
| Average total assets | $537,839,250 | 1,254 |
| Average earning assets | $469,017,500 | 1,317 |
| Average equity | $35,110,000 | 1,986 |
| Average total loans | $420,700,250 | 999 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9662% | 1,883 |
| Cost of funding earning assets | 1.2363% | 690 |
| Net interest margin | 3.7298% | 3,685 |
| Noninterest income to average assets | 2.0127% | 401 |
| Noninterest expense to average assets | 4.8849% | 410 |
| Loan and lease loss provision to assets | 3.0587% | 59 |
| Net operating income to assets | -3.5641% | 7,178 |
| Return on assets (ROA) | -3.4679% | 7,176 |
| Pretax return on assets | -2.5680% | 7,124 |
| Return on Equity (ROE) | -51.9107% | 7,171 |
| Retained earnings to average equity (ytd only) | -51.9107% | 7,166 |
| Net charge-offs to loans | 4.4793% | 91 |
| Credit loss provision to net charge-offs | 87.4479% | 3,116 |
| Earnings coverage of net charge-offs (x) | 0.1128% | 5,024 |
| Efficiency ratio | 92.5259% | 894 |
| Assets per employee ($millions) | 2.5170% | 6,747 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6016% | 462 |
| Loan loss allowance to noncurrent loans | 26.1583% | 6,318 |
| Noncurrent assets plus other real estate owned to assets | 14.3007% | 119 |
| Noncurrent loans to loans | 13.7684% | 125 |
| Net loans and leases to total assets | 76.3708% | 923 |
| Net loans and leases to deposits | 87.9249% | 1,370 |
| Net loans and leases to core deposits | 93.0680% | 1,678 |
| Total domestic deposits to total assets | 86.8592% | 2,854 |
| Equity capital to assets | 5.9619% | 7,029 |
| Core capital (leverage) ratio | 5.6973% | 7,012 |
| Tier 1 risk-based capital ratio | 7.2533% | 7,080 |
| Total risk-based capital ratio | 8.5318% | 7,080 |
| Memoranda: | ||
| Average total assets | $548,918,000 | 1,237 |
| Average earning assets | $480,771,330 | 1,288 |
| Average equity | $36,670,670 | 1,906 |
| Average total loans | $428,641,000 | 983 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9063% | 2,214 |
| Cost of funding earning assets | 1.2603% | 745 |
| Net interest margin | 3.6460% | 4,064 |
| Noninterest income to average assets | 1.7894% | 481 |
| Noninterest expense to average assets | 4.8110% | 416 |
| Loan and lease loss provision to assets | 1.2330% | 306 |
| Net operating income to assets | -1.0432% | 7,003 |
| Return on assets (ROA) | -0.9267% | 7,002 |
| Pretax return on assets | -0.9267% | 6,959 |
| Return on Equity (ROE) | -13.2134% | 7,045 |
| Retained earnings to average equity (ytd only) | -13.2134% | 6,936 |
| Net charge-offs to loans | 3.1554% | 223 |
| Credit loss provision to net charge-offs | 50.3775% | 3,273 |
| Earnings coverage of net charge-offs (x) | 0.0775% | 4,330 |
| Efficiency ratio | 96.2058% | 711 |
| Assets per employee ($millions) | 2.6758% | 6,663 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3469% | 599 |
| Loan loss allowance to noncurrent loans | 26.1603% | 6,334 |
| Noncurrent assets plus other real estate owned to assets | 12.6068% | 179 |
| Noncurrent loans to loans | 12.7937% | 171 |
| Net loans and leases to total assets | 75.2450% | 891 |
| Net loans and leases to deposits | 88.7101% | 1,084 |
| Net loans and leases to core deposits | 93.9178% | 1,474 |
| Total domestic deposits to total assets | 84.8212% | 4,114 |
| Equity capital to assets | 7.0111% | 6,933 |
| Core capital (leverage) ratio | 6.6327% | 6,945 |
| Tier 1 risk-based capital ratio | 8.7549% | 7,053 |
| Total risk-based capital ratio | 10.0312% | 7,056 |
| Memoranda: | ||
| Average total assets | $562,872,500 | 1,203 |
| Average earning assets | $495,774,500 | 1,242 |
| Average equity | $39,475,000 | 1,758 |
| Average total loans | $436,579,000 | 955 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3021% | 1,690 |
| Cost of funding earning assets | 1.5165% | 669 |
| Net interest margin | 3.7856% | 3,899 |
| Noninterest income to average assets | 1.5679% | 546 |
| Noninterest expense to average assets | 3.9719% | 1,080 |
| Loan and lease loss provision to assets | 3.1553% | 112 |
| Net operating income to assets | -1.9555% | 7,022 |
| Return on assets (ROA) | -1.7734% | 6,998 |
| Pretax return on assets | -1.9910% | 7,021 |
| Return on Equity (ROE) | -22.0151% | 7,010 |
| Retained earnings to average equity (ytd only) | -22.0151% | 6,996 |
| Net charge-offs to loans | 2.2005% | 587 |
| Credit loss provision to net charge-offs | 187.5462% | 1,367 |
| Earnings coverage of net charge-offs (x) | 0.5704% | 5,402 |
| Efficiency ratio | 80.5401% | 2,232 |
| Assets per employee ($millions) | 2.8302% | 6,407 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6193% | 497 |
| Loan loss allowance to noncurrent loans | 32.6189% | 6,038 |
| Noncurrent assets plus other real estate owned to assets | 10.1727% | 323 |
| Noncurrent loans to loans | 11.0956% | 261 |
| Net loans and leases to total assets | 74.4893% | 1,178 |
| Net loans and leases to deposits | 87.7519% | 1,417 |
| Net loans and leases to core deposits | 92.6968% | 1,822 |
| Total domestic deposits to total assets | 84.8862% | 3,908 |
| Equity capital to assets | 7.0151% | 6,959 |
| Core capital (leverage) ratio | 6.4554% | 6,989 |
| Tier 1 risk-based capital ratio | 8.9827% | 7,037 |
| Total risk-based capital ratio | 10.2629% | 7,037 |
| Memoranda: | ||
| Average total assets | $594,676,400 | 1,108 |
| Average earning assets | $528,394,200 | 1,130 |
| Average equity | $47,903,400 | 1,420 |
| Average total loans | $454,667,800 | 920 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3754% | 1,589 |
| Cost of funding earning assets | 1.5704% | 663 |
| Net interest margin | 3.8051% | 3,850 |
| Noninterest income to average assets | 1.4718% | 604 |
| Noninterest expense to average assets | 3.9169% | 1,126 |
| Loan and lease loss provision to assets | 2.5369% | 175 |
| Net operating income to assets | -1.0707% | 6,914 |
| Return on assets (ROA) | -1.0449% | 6,928 |
| Pretax return on assets | -1.5616% | 7,032 |
| Return on Equity (ROE) | -12.5825% | 6,962 |
| Retained earnings to average equity (ytd only) | -12.5825% | 6,935 |
| Net charge-offs to loans | 1.0965% | 1,447 |
| Credit loss provision to net charge-offs | 303.4034% | 935 |
| Earnings coverage of net charge-offs (x) | 1.1204% | 4,789 |
| Efficiency ratio | 80.6981% | 2,160 |
| Assets per employee ($millions) | 2.8034% | 6,478 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3260% | 646 |
| Loan loss allowance to noncurrent loans | 55.9432% | 4,653 |
| Noncurrent assets plus other real estate owned to assets | 5.9477% | 899 |
| Noncurrent loans to loans | 5.9453% | 939 |
| Net loans and leases to total assets | 72.4902% | 1,614 |
| Net loans and leases to deposits | 85.9549% | 1,694 |
| Net loans and leases to core deposits | 91.2040% | 2,088 |
| Total domestic deposits to total assets | 84.3351% | 4,086 |
| Equity capital to assets | 7.8008% | 6,802 |
| Core capital (leverage) ratio | 7.7388% | 6,605 |
| Tier 1 risk-based capital ratio | 10.5006% | 6,775 |
| Total risk-based capital ratio | 11.7772% | 6,754 |
| Memoranda: | ||
| Average total assets | $599,711,500 | 1,099 |
| Average earning assets | $533,028,000 | 1,133 |
| Average equity | $49,803,250 | 1,371 |
| Average total loans | $457,325,000 | 929 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4405% | 1,445 |
| Cost of funding earning assets | 1.6353% | 608 |
| Net interest margin | 3.8052% | 3,757 |
| Noninterest income to average assets | 1.4252% | 626 |
| Noninterest expense to average assets | 3.9360% | 1,135 |
| Loan and lease loss provision to assets | 0.6347% | 1,510 |
| Net operating income to assets | 0.1451% | 5,898 |
| Return on assets (ROA) | 0.1588% | 5,956 |
| Pretax return on assets | 0.2628% | 5,771 |
| Return on Equity (ROE) | 1.8738% | 5,833 |
| Retained earnings to average equity (ytd only) | 1.8738% | 5,043 |
| Net charge-offs to loans | 0.8516% | 1,800 |
| Credit loss provision to net charge-offs | 97.1910% | 3,242 |
| Earnings coverage of net charge-offs (x) | 1.3417% | 4,282 |
| Efficiency ratio | 81.7923% | 2,132 |
| Assets per employee ($millions) | 2.7097% | 6,628 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5950% | 3,706 |
| Loan loss allowance to noncurrent loans | 38.7164% | 5,734 |
| Noncurrent assets plus other real estate owned to assets | 5.0621% | 1,204 |
| Noncurrent loans to loans | 4.1197% | 1,660 |
| Net loans and leases to total assets | 73.7635% | 1,465 |
| Net loans and leases to deposits | 88.1070% | 1,487 |
| Net loans and leases to core deposits | 93.7032% | 1,936 |
| Total domestic deposits to total assets | 83.7203% | 4,466 |
| Equity capital to assets | 8.5000% | 6,186 |
| Core capital (leverage) ratio | 9.0172% | 4,690 |
| Tier 1 risk-based capital ratio | 11.2129% | 6,374 |
| Total risk-based capital ratio | 12.4670% | 6,362 |
| Memoranda: | ||
| Average total assets | $599,639,670 | 1,107 |
| Average earning assets | $533,740,330 | 1,141 |
| Average equity | $50,804,670 | 1,323 |
| Average total loans | $459,816,670 | 942 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5672% | 1,135 |
| Cost of funding earning assets | 1.6973% | 551 |
| Net interest margin | 3.8699% | 3,299 |
| Noninterest income to average assets | 1.3356% | 723 |
| Noninterest expense to average assets | 3.9445% | 1,112 |
| Loan and lease loss provision to assets | 0.6732% | 1,266 |
| Net operating income to assets | 0.0739% | 6,164 |
| Return on assets (ROA) | 0.1013% | 6,147 |
| Pretax return on assets | 0.1980% | 5,944 |
| Return on Equity (ROE) | 1.1982% | 6,073 |
| Retained earnings to average equity (ytd only) | 1.1982% | 5,342 |
| Net charge-offs to loans | 0.7624% | 1,694 |
| Credit loss provision to net charge-offs | 113.8479% | 2,357 |
| Earnings coverage of net charge-offs (x) | 1.4007% | 3,650 |
| Efficiency ratio | 82.6466% | 2,130 |
| Assets per employee ($millions) | 2.8347% | 6,465 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6471% | 3,539 |
| Loan loss allowance to noncurrent loans | 41.2839% | 5,549 |
| Noncurrent assets plus other real estate owned to assets | 5.2190% | 1,197 |
| Noncurrent loans to loans | 3.9896% | 1,822 |
| Net loans and leases to total assets | 73.5212% | 1,417 |
| Net loans and leases to deposits | 87.5272% | 1,514 |
| Net loans and leases to core deposits | 95.4014% | 1,729 |
| Total domestic deposits to total assets | 83.9982% | 4,489 |
| Equity capital to assets | 8.3563% | 6,098 |
| Core capital (leverage) ratio | 8.9333% | 4,721 |
| Tier 1 risk-based capital ratio | 11.1407% | 6,407 |
| Total risk-based capital ratio | 12.3954% | 6,369 |
| Memoranda: | ||
| Average total assets | $595,970,500 | 1,123 |
| Average earning assets | $529,318,000 | 1,157 |
| Average equity | $50,410,500 | 1,324 |
| Average total loans | $462,232,500 | 946 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7290% | 1,472 |
| Cost of funding earning assets | 1.8913% | 873 |
| Net interest margin | 3.8377% | 3,786 |
| Noninterest income to average assets | 1.6568% | 533 |
| Noninterest expense to average assets | 3.9134% | 1,298 |
| Loan and lease loss provision to assets | 0.8238% | 1,991 |
| Net operating income to assets | 0.2398% | 5,139 |
| Return on assets (ROA) | 0.3262% | 5,001 |
| Pretax return on assets | 0.4943% | 4,638 |
| Return on Equity (ROE) | 3.8432% | 4,592 |
| Retained earnings to average equity (ytd only) | 3.8432% | 3,173 |
| Net charge-offs to loans | 1.6818% | 1,290 |
| Credit loss provision to net charge-offs | 60.1341% | 6,080 |
| Earnings coverage of net charge-offs (x) | 0.8666% | 5,268 |
| Efficiency ratio | 76.7237% | 2,925 |
| Assets per employee ($millions) | 2.7356% | 6,633 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5455% | 3,795 |
| Loan loss allowance to noncurrent loans | 35.4281% | 5,955 |
| Noncurrent assets plus other real estate owned to assets | 5.5542% | 1,110 |
| Noncurrent loans to loans | 4.3624% | 1,648 |
| Net loans and leases to total assets | 79.1983% | 769 |
| Net loans and leases to deposits | 92.6532% | 1,184 |
| Net loans and leases to core deposits | 101.0189% | 1,534 |
| Total domestic deposits to total assets | 85.4781% | 3,612 |
| Equity capital to assets | 8.5635% | 5,769 |
| Core capital (leverage) ratio | 8.7567% | 4,922 |
| Tier 1 risk-based capital ratio | 10.8653% | 6,438 |
| Total risk-based capital ratio | 12.1205% | 6,402 |
| Memoranda: | ||
| Average total assets | $587,746,200 | 1,141 |
| Average earning assets | $527,423,400 | 1,166 |
| Average equity | $49,880,200 | 1,344 |
| Average total loans | $478,768,800 | 938 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7171% | 1,657 |
| Cost of funding earning assets | 1.9307% | 933 |
| Net interest margin | 3.7864% | 4,027 |
| Noninterest income to average assets | 1.5571% | 577 |
| Noninterest expense to average assets | 3.7772% | 1,414 |
| Loan and lease loss provision to assets | 0.7147% | 2,134 |
| Net operating income to assets | 0.3108% | 5,123 |
| Return on assets (ROA) | 0.4002% | 4,925 |
| Pretax return on assets | 0.6065% | 4,576 |
| Return on Equity (ROE) | 4.7267% | 4,437 |
| Retained earnings to average equity (ytd only) | 4.7267% | 3,176 |
| Net charge-offs to loans | 1.0698% | 1,897 |
| Credit loss provision to net charge-offs | 81.7545% | 5,084 |
| Earnings coverage of net charge-offs (x) | 1.3563% | 4,722 |
| Efficiency ratio | 76.1086% | 2,932 |
| Assets per employee ($millions) | 2.7614% | 6,665 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0260% | 2,160 |
| Loan loss allowance to noncurrent loans | 39.7836% | 5,644 |
| Noncurrent assets plus other real estate owned to assets | 6.4878% | 879 |
| Noncurrent loans to loans | 5.0926% | 1,350 |
| Net loans and leases to total assets | 81.8826% | 510 |
| Net loans and leases to deposits | 96.2369% | 958 |
| Net loans and leases to core deposits | 99.6451% | 1,882 |
| Total domestic deposits to total assets | 85.0844% | 3,581 |
| Equity capital to assets | 8.7622% | 5,915 |
| Core capital (leverage) ratio | 8.8563% | 4,913 |
| Tier 1 risk-based capital ratio | 10.5613% | 6,737 |
| Total risk-based capital ratio | 11.8212% | 6,712 |
| Memoranda: | ||
| Average total assets | $587,645,750 | 1,149 |
| Average earning assets | $528,580,000 | 1,169 |
| Average equity | $49,758,750 | 1,349 |
| Average total loans | $480,182,250 | 941 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6159% | 2,075 |
| Cost of funding earning assets | 1.9858% | 941 |
| Net interest margin | 3.6301% | 4,693 |
| Noninterest income to average assets | 1.4733% | 586 |
| Noninterest expense to average assets | 3.7196% | 1,514 |
| Loan and lease loss provision to assets | 0.5896% | 2,423 |
| Net operating income to assets | 0.2968% | 5,192 |
| Return on assets (ROA) | 0.4303% | 4,780 |
| Pretax return on assets | 0.6519% | 4,390 |
| Return on Equity (ROE) | 5.1409% | 4,216 |
| Retained earnings to average equity (ytd only) | 5.1409% | 2,820 |
| Net charge-offs to loans | 1.1540% | 1,647 |
| Credit loss provision to net charge-offs | 62.9978% | 5,134 |
| Earnings coverage of net charge-offs (x) | 1.1104% | 4,683 |
| Efficiency ratio | 78.1615% | 2,703 |
| Assets per employee ($millions) | 2.7945% | 6,579 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9508% | 2,301 |
| Loan loss allowance to noncurrent loans | 29.6264% | 6,390 |
| Noncurrent assets plus other real estate owned to assets | 7.4421% | 683 |
| Noncurrent loans to loans | 6.5848% | 902 |
| Net loans and leases to total assets | 80.9762% | 673 |
| Net loans and leases to deposits | 94.3266% | 1,234 |
| Net loans and leases to core deposits | 97.0337% | 2,326 |
| Total domestic deposits to total assets | 85.8466% | 3,178 |
| Equity capital to assets | 8.4978% | 6,168 |
| Core capital (leverage) ratio | 8.4520% | 5,491 |
| Tier 1 risk-based capital ratio | 10.5695% | 6,633 |
| Total risk-based capital ratio | 11.8288% | 6,623 |
| Memoranda: | ||
| Average total assets | $590,231,000 | 1,149 |
| Average earning assets | $534,200,670 | 1,150 |
| Average equity | $49,408,000 | 1,352 |
| Average total loans | $478,693,670 | 957 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5903% | 2,189 |
| Cost of funding earning assets | 2.0711% | 885 |
| Net interest margin | 3.5192% | 5,090 |
| Noninterest income to average assets | 1.3534% | 657 |
| Noninterest expense to average assets | 3.5927% | 1,752 |
| Loan and lease loss provision to assets | 0.3387% | 3,354 |
| Net operating income to assets | 0.4022% | 4,829 |
| Return on assets (ROA) | 0.4504% | 4,740 |
| Pretax return on assets | 0.6821% | 4,303 |
| Return on Equity (ROE) | 5.4221% | 4,147 |
| Retained earnings to average equity (ytd only) | 5.4221% | 2,920 |
| Net charge-offs to loans | 1.6276% | 1,070 |
| Credit loss provision to net charge-offs | 25.8933% | 4,877 |
| Earnings coverage of net charge-offs (x) | 0.7245% | 4,378 |
| Efficiency ratio | 79.1287% | 2,698 |
| Assets per employee ($millions) | 2.7507% | 6,754 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9170% | 2,395 |
| Loan loss allowance to noncurrent loans | 25.4002% | 6,708 |
| Noncurrent assets plus other real estate owned to assets | 7.7913% | 637 |
| Noncurrent loans to loans | 7.5470% | 753 |
| Net loans and leases to total assets | 77.9286% | 1,167 |
| Net loans and leases to deposits | 90.5453% | 1,824 |
| Net loans and leases to core deposits | 93.1010% | 2,964 |
| Total domestic deposits to total assets | 86.0659% | 3,122 |
| Equity capital to assets | 8.2841% | 6,322 |
| Core capital (leverage) ratio | 8.3163% | 5,710 |
| Tier 1 risk-based capital ratio | 10.2591% | 6,832 |
| Total risk-based capital ratio | 11.5169% | 6,827 |
| Memoranda: | ||
| Average total assets | $590,523,500 | 1,173 |
| Average earning assets | $534,784,500 | 1,184 |
| Average equity | $49,058,500 | 1,368 |
| Average total loans | $474,554,000 | 994 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3510% | 934 |
| Cost of funding earning assets | 2.9526% | 259 |
| Net interest margin | 3.3984% | 5,374 |
| Noninterest income to average assets | 1.3952% | 754 |
| Noninterest expense to average assets | 4.8720% | 579 |
| Loan and lease loss provision to assets | 2.2887% | 893 |
| Net operating income to assets | -2.2129% | 7,170 |
| Return on assets (ROA) | -2.2129% | 7,169 |
| Pretax return on assets | -2.6909% | 7,205 |
| Return on Equity (ROE) | -23.7945% | 7,257 |
| Retained earnings to average equity (ytd only) | -23.7945% | 7,231 |
| Net charge-offs to loans | 1.8164% | 1,376 |
| Credit loss provision to net charge-offs | 150.9649% | 3,059 |
| Earnings coverage of net charge-offs (x) | -0.2653% | 6,510 |
| Efficiency ratio | 80.2502% | 2,849 |
| Assets per employee ($millions) | 2.8220% | 6,622 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2158% | 1,621 |
| Loan loss allowance to noncurrent loans | 34.2725% | 6,146 |
| Noncurrent assets plus other real estate owned to assets | 7.1863% | 695 |
| Noncurrent loans to loans | 6.4652% | 932 |
| Net loans and leases to total assets | 79.4901% | 1,092 |
| Net loans and leases to deposits | 92.6612% | 1,793 |
| Net loans and leases to core deposits | 121.6299% | 1,823 |
| Total domestic deposits to total assets | 85.7857% | 3,115 |
| Equity capital to assets | 8.3317% | 6,150 |
| Core capital (leverage) ratio | 8.2381% | 5,753 |
| Tier 1 risk-based capital ratio | 10.0643% | 6,816 |
| Total risk-based capital ratio | 11.3258% | 6,773 |
| Memoranda: | ||
| Average total assets | $577,608,800 | 1,201 |
| Average earning assets | $522,562,400 | 1,214 |
| Average equity | $53,718,400 | 1,229 |
| Average total loans | $482,120,200 | 1,005 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4172% | 896 |
| Cost of funding earning assets | 3.0747% | 263 |
| Net interest margin | 3.3425% | 5,477 |
| Noninterest income to average assets | 1.3392% | 857 |
| Noninterest expense to average assets | 3.4718% | 2,348 |
| Loan and lease loss provision to assets | 2.3612% | 720 |
| Net operating income to assets | -0.9676% | 6,805 |
| Return on assets (ROA) | -0.9676% | 6,814 |
| Pretax return on assets | -1.4662% | 6,943 |
| Return on Equity (ROE) | -10.1367% | 6,904 |
| Retained earnings to average equity (ytd only) | -10.1367% | 6,818 |
| Net charge-offs to loans | 1.8548% | 1,089 |
| Credit loss provision to net charge-offs | 151.5152% | 3,163 |
| Earnings coverage of net charge-offs (x) | 0.5743% | 5,456 |
| Efficiency ratio | 79.5059% | 2,922 |
| Assets per employee ($millions) | 3.1744% | 5,716 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9902% | 1,826 |
| Loan loss allowance to noncurrent loans | 40.4080% | 5,640 |
| Noncurrent assets plus other real estate owned to assets | 5.7742% | 962 |
| Noncurrent loans to loans | 4.9251% | 1,361 |
| Net loans and leases to total assets | 77.7906% | 1,614 |
| Net loans and leases to deposits | 91.7769% | 2,271 |
| Net loans and leases to core deposits | 120.6680% | 2,190 |
| Total domestic deposits to total assets | 84.7605% | 3,341 |
| Equity capital to assets | 9.5536% | 4,673 |
| Core capital (leverage) ratio | 8.4615% | 5,560 |
| Tier 1 risk-based capital ratio | 10.1222% | 6,856 |
| Total risk-based capital ratio | 11.3806% | 6,800 |
| Memoranda: | ||
| Average total assets | $575,972,750 | 1,213 |
| Average earning assets | $521,708,500 | 1,225 |
| Average equity | $54,980,500 | 1,214 |
| Average total loans | $483,933,750 | 1,016 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5062% | 814 |
| Cost of funding earning assets | 3.2216% | 251 |
| Net interest margin | 3.2845% | 5,610 |
| Noninterest income to average assets | 1.2185% | 1,043 |
| Noninterest expense to average assets | 3.5469% | 2,203 |
| Loan and lease loss provision to assets | 1.4817% | 1,155 |
| Net operating income to assets | -0.5440% | 6,592 |
| Return on assets (ROA) | -0.5440% | 6,599 |
| Pretax return on assets | -0.8241% | 6,695 |
| Return on Equity (ROE) | -5.7005% | 6,679 |
| Retained earnings to average equity (ytd only) | -5.7005% | 6,405 |
| Net charge-offs to loans | 0.2640% | 3,871 |
| Credit loss provision to net charge-offs | 655.2262% | 708 |
| Earnings coverage of net charge-offs (x) | 2.9080% | 3,651 |
| Efficiency ratio | 84.3598% | 2,436 |
| Assets per employee ($millions) | 3.1286% | 5,783 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9249% | 1,730 |
| Loan loss allowance to noncurrent loans | 47.0019% | 5,227 |
| Noncurrent assets plus other real estate owned to assets | 4.3348% | 1,329 |
| Noncurrent loans to loans | 4.0953% | 1,634 |
| Net loans and leases to total assets | 84.6700% | 540 |
| Net loans and leases to deposits | 101.2178% | 1,155 |
| Net loans and leases to core deposits | 143.7913% | 844 |
| Total domestic deposits to total assets | 83.6514% | 3,942 |
| Equity capital to assets | 10.3350% | 3,587 |
| Core capital (leverage) ratio | 9.2802% | 4,198 |
| Tier 1 risk-based capital ratio | 10.8526% | 6,033 |
| Total risk-based capital ratio | 12.1116% | 5,961 |
| Memoranda: | ||
| Average total assets | $566,919,670 | 1,252 |
| Average earning assets | $515,388,670 | 1,256 |
| Average equity | $54,100,330 | 1,241 |
| Average total loans | $485,676,000 | 1,032 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5428% | 796 |
| Cost of funding earning assets | 3.3271% | 249 |
| Net interest margin | 3.2157% | 5,811 |
| Noninterest income to average assets | 1.0175% | 1,434 |
| Noninterest expense to average assets | 3.0625% | 3,511 |
| Loan and lease loss provision to assets | 0.7843% | 1,637 |
| Net operating income to assets | 0.0613% | 6,092 |
| Return on assets (ROA) | 0.0613% | 6,248 |
| Pretax return on assets | 0.0927% | 6,183 |
| Return on Equity (ROE) | 0.6713% | 6,234 |
| Retained earnings to average equity (ytd only) | 0.6713% | 5,392 |
| Net charge-offs to loans | 0.2590% | 3,108 |
| Credit loss provision to net charge-offs | 354.8387% | 1,427 |
| Earnings coverage of net charge-offs (x) | 3.9677% | 3,016 |
| Efficiency ratio | 77.7376% | 3,210 |
| Assets per employee ($millions) | 3.3809% | 5,119 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4200% | 3,390 |
| Loan loss allowance to noncurrent loans | 46.2676% | 5,421 |
| Noncurrent assets plus other real estate owned to assets | 3.3245% | 1,645 |
| Noncurrent loans to loans | 3.0692% | 2,114 |
| Net loans and leases to total assets | 84.2109% | 661 |
| Net loans and leases to deposits | 98.4287% | 1,605 |
| Net loans and leases to core deposits | 143.8363% | 940 |
| Total domestic deposits to total assets | 85.5552% | 2,939 |
| Equity capital to assets | 9.1000% | 5,228 |
| Core capital (leverage) ratio | 7.9014% | 6,614 |
| Tier 1 risk-based capital ratio | 9.0953% | 7,736 |
| Total risk-based capital ratio | 10.3473% | 7,748 |
| Memoranda: | ||
| Average total assets | $560,988,500 | 1,272 |
| Average earning assets | $509,751,500 | 1,266 |
| Average equity | $51,242,000 | 1,339 |
| Average total loans | $478,677,500 | 1,057 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4852% | 422 |
| Cost of funding earning assets | 3.9198% | 130 |
| Net interest margin | 3.5654% | 5,036 |
| Noninterest income to average assets | 0.9681% | 1,697 |
| Noninterest expense to average assets | 3.4027% | 2,677 |
| Loan and lease loss provision to assets | 0.4725% | 2,940 |
| Net operating income to assets | 0.2393% | 5,734 |
| Return on assets (ROA) | 0.2393% | 5,552 |
| Pretax return on assets | 0.3625% | 5,349 |
| Return on Equity (ROE) | 2.9019% | 5,273 |
| Retained earnings to average equity (ytd only) | -8.4144% | 6,914 |
| Net charge-offs to loans | 0.4915% | 2,395 |
| Credit loss provision to net charge-offs | 110.2198% | 4,893 |
| Earnings coverage of net charge-offs (x) | 1.9478% | 5,091 |
| Efficiency ratio | 80.2957% | 2,554 |
| Assets per employee ($millions) | 3.2981% | 5,218 |
| Cash dividends to net income (ytd only)* | 389.9606% | 141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2755% | 3,958 |
| Loan loss allowance to noncurrent loans | 41.1477% | 5,978 |
| Noncurrent assets plus other real estate owned to assets | 3.1679% | 1,441 |
| Noncurrent loans to loans | 3.0997% | 1,719 |
| Net loans and leases to total assets | 84.1428% | 866 |
| Net loans and leases to deposits | 100.4358% | 1,797 |
| Net loans and leases to core deposits | 147.1195% | 972 |
| Total domestic deposits to total assets | 83.7776% | 3,442 |
| Equity capital to assets | 9.1689% | 5,128 |
| Core capital (leverage) ratio | 8.2035% | 6,157 |
| Tier 1 risk-based capital ratio | 9.0176% | 7,767 |
| Total risk-based capital ratio | 10.2658% | 7,761 |
| Memoranda: | ||
| Average total assets | $424,547,800 | 1,603 |
| Average earning assets | $389,329,400 | 1,597 |
| Average equity | $35,011,600 | 1,929 |
| Average total loans | $370,262,400 | 1,312 |