Home > Virginia Partners Bank > Performance and Condition Ratios
Virginia Partners Bank, Performance and Condition Ratios
| 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 | 5.0732% | 1,684 |
| Cost of funding earning assets | 1.3607% | 1,974 |
| Net interest margin | 3.7125% | 1,752 |
| Noninterest income to average assets | 0.2300% | 3,581 |
| Noninterest expense to average assets | 2.6657% | 1,749 |
| Loan and lease loss provision to assets | 0.0400% | 2,145 |
| Net operating income to assets | 0.7563% | 3,145 |
| Return on assets (ROA) | 0.7966% | 3,029 |
| Pretax return on assets | 1.0613% | 2,683 |
| Return on Equity (ROE) | 9.1600% | 2,886 |
| Retained earnings to average equity (ytd only) | 6.0709% | 2,602 |
| Net charge-offs to loans | -0.0010% | 3,489 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 70.1411% | 1,767 |
| Assets per employee ($millions) | 9.5102% | 787 |
| Cash dividends to net income (ytd only)* | 33.7553% | 1,922 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2107% | 2,307 |
| Loan loss allowance to noncurrent loans | 13,206.2500% | 107 |
| Noncurrent assets plus other real estate owned to assets | 0.0075% | 3,781 |
| Noncurrent loans to loans | 0.0092% | 3,736 |
| Net loans and leases to total assets | 81.1700% | 515 |
| Net loans and leases to deposits | 94.9193% | 826 |
| Net loans and leases to core deposits | 108.5083% | 926 |
| Total domestic deposits to total assets | 85.5200% | 2,342 |
| Equity capital to assets | 8.5567% | 2,691 |
| Core capital (leverage) ratio | 9.4985% | 3,303 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3977% | 2,752 |
| Memoranda: | ||
| Average total assets | $634,657,750 | 1,404 |
| Average earning assets | $597,422,000 | 1,385 |
| Average equity | $55,168,500 | 1,471 |
| Average total loans | $510,033,250 | 1,209 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9489% | 1,654 |
| Cost of funding earning assets | 1.2235% | 1,919 |
| Net interest margin | 3.7254% | 1,772 |
| Noninterest income to average assets | 0.2400% | 3,497 |
| Noninterest expense to average assets | 2.7330% | 1,571 |
| Loan and lease loss provision to assets | 0.0500% | 1,895 |
| Net operating income to assets | 0.7103% | 3,324 |
| Return on assets (ROA) | 0.7469% | 3,245 |
| Pretax return on assets | 0.9952% | 2,921 |
| Return on Equity (ROE) | 8.5500% | 3,097 |
| Retained earnings to average equity (ytd only) | 5.4492% | 2,806 |
| Net charge-offs to loans | 0.0040% | 2,163 |
| Credit loss provision to net charge-offs | 2,770.0000% | 201 |
| Earnings coverage of net charge-offs (x) | 320.6000% | 428 |
| Efficiency ratio | 71.5008% | 1,616 |
| Assets per employee ($millions) | 9.5247% | 773 |
| Cash dividends to net income (ytd only)* | 36.2484% | 1,849 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2050% | 2,413 |
| Loan loss allowance to noncurrent loans | 2,089.3333% | 544 |
| Noncurrent assets plus other real estate owned to assets | 0.0470% | 3,308 |
| Noncurrent loans to loans | 0.0577% | 3,284 |
| Net loans and leases to total assets | 80.5300% | 581 |
| Net loans and leases to deposits | 98.0591% | 600 |
| Net loans and leases to core deposits | 111.1374% | 777 |
| Total domestic deposits to total assets | 82.1200% | 3,210 |
| Equity capital to assets | 8.6517% | 2,748 |
| Core capital (leverage) ratio | 9.4895% | 3,257 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.0585% | 2,839 |
| Memoranda: | ||
| Average total assets | $633,816,000 | 1,405 |
| Average earning assets | $596,332,000 | 1,389 |
| Average equity | $55,384,000 | 1,470 |
| Average total loans | $505,524,333 | 1,202 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7957% | 1,632 |
| Cost of funding earning assets | 0.9788% | 2,117 |
| Net interest margin | 3.8169% | 1,651 |
| Noninterest income to average assets | 0.2800% | 3,222 |
| Noninterest expense to average assets | 2.7598% | 1,529 |
| Loan and lease loss provision to assets | 0.0500% | 1,764 |
| Net operating income to assets | 0.7941% | 3,205 |
| Return on assets (ROA) | 0.8137% | 3,102 |
| Pretax return on assets | 1.0841% | 2,754 |
| Return on Equity (ROE) | 9.2700% | 2,977 |
| Retained earnings to average equity (ytd only) | 6.1510% | 2,723 |
| Net charge-offs to loans | 0.0265% | 1,162 |
| Credit loss provision to net charge-offs | 590.9091% | 511 |
| Earnings coverage of net charge-offs (x) | 53.2121% | 1,081 |
| Efficiency ratio | 69.8070% | 1,764 |
| Assets per employee ($millions) | 9.5915% | 778 |
| Cash dividends to net income (ytd only)* | 33.6187% | 1,636 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2234% | 2,434 |
| Loan loss allowance to noncurrent loans | 8,003.8961% | 203 |
| Noncurrent assets plus other real estate owned to assets | 0.0124% | 3,737 |
| Noncurrent loans to loans | 0.0153% | 3,695 |
| Net loans and leases to total assets | 79.8100% | 557 |
| Net loans and leases to deposits | 97.4288% | 570 |
| Net loans and leases to core deposits | 109.9479% | 706 |
| Total domestic deposits to total assets | 81.9200% | 3,495 |
| Equity capital to assets | 8.9036% | 2,588 |
| Core capital (leverage) ratio | 9.4590% | 3,252 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2744% | 2,905 |
| Memoranda: | ||
| Average total assets | $631,647,000 | 1,433 |
| Average earning assets | $594,615,500 | 1,412 |
| Average equity | $55,470,500 | 1,479 |
| Average total loans | $498,200,500 | 1,231 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9963% | 1,727 |
| Cost of funding earning assets | 0.4075% | 2,032 |
| Net interest margin | 3.5888% | 1,677 |
| Noninterest income to average assets | 0.3100% | 3,270 |
| Noninterest expense to average assets | 2.6101% | 1,800 |
| Loan and lease loss provision to assets | 0.2100% | 483 |
| Net operating income to assets | 0.6741% | 3,688 |
| Return on assets (ROA) | 0.6930% | 3,586 |
| Pretax return on assets | 0.8995% | 3,356 |
| Return on Equity (ROE) | 8.3600% | 3,293 |
| Retained earnings to average equity (ytd only) | 5.9788% | 2,655 |
| Net charge-offs to loans | 0.0128% | 1,906 |
| Credit loss provision to net charge-offs | 2,367.2414% | 226 |
| Earnings coverage of net charge-offs (x) | 122.6724% | 879 |
| Efficiency ratio | 68.8906% | 1,855 |
| Assets per employee ($millions) | 9.4095% | 809 |
| Cash dividends to net income (ytd only)* | 28.4418% | 2,493 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9465% | 3,611 |
| Loan loss allowance to noncurrent loans | 4,857.2917% | 299 |
| Noncurrent assets plus other real estate owned to assets | 0.0150% | 3,711 |
| Noncurrent loans to loans | 0.0195% | 3,675 |
| Net loans and leases to total assets | 76.2600% | 986 |
| Net loans and leases to deposits | 94.8440% | 721 |
| Net loans and leases to core deposits | 102.1405% | 888 |
| Total domestic deposits to total assets | 80.4100% | 3,824 |
| Equity capital to assets | 8.6633% | 2,588 |
| Core capital (leverage) ratio | 8.9410% | 3,746 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3376% | 2,908 |
| Memoranda: | ||
| Average total assets | $651,934,000 | 1,373 |
| Average earning assets | $616,692,400 | 1,361 |
| Average equity | $54,074,600 | 1,522 |
| Average total loans | $452,492,200 | 1,264 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7495% | 1,893 |
| Cost of funding earning assets | 0.3926% | 1,345 |
| Net interest margin | 3.3569% | 2,115 |
| Noninterest income to average assets | 0.3100% | 3,309 |
| Noninterest expense to average assets | 2.5062% | 2,003 |
| Loan and lease loss provision to assets | 0.2100% | 415 |
| Net operating income to assets | 0.5855% | 3,869 |
| Return on assets (ROA) | 0.6066% | 3,776 |
| Pretax return on assets | 0.7894% | 3,611 |
| Return on Equity (ROE) | 7.3900% | 3,496 |
| Retained earnings to average equity (ytd only) | 5.2255% | 3,011 |
| Net charge-offs to loans | 0.0130% | 1,636 |
| Credit loss provision to net charge-offs | 2,448.8372% | 211 |
| Earnings coverage of net charge-offs (x) | 112.2791% | 880 |
| Efficiency ratio | 70.0858% | 1,754 |
| Assets per employee ($millions) | 9.9447% | 670 |
| Cash dividends to net income (ytd only)* | 29.3289% | 2,064 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9218% | 3,793 |
| Loan loss allowance to noncurrent loans | 1,340.9231% | 777 |
| Noncurrent assets plus other real estate owned to assets | 0.0488% | 3,411 |
| Noncurrent loans to loans | 0.0687% | 3,384 |
| Net loans and leases to total assets | 70.3000% | 1,454 |
| Net loans and leases to deposits | 79.9862% | 1,572 |
| Net loans and leases to core deposits | 89.2563% | 1,343 |
| Total domestic deposits to total assets | 87.8900% | 2,462 |
| Equity capital to assets | 7.9859% | 2,905 |
| Core capital (leverage) ratio | 8.6236% | 3,956 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3884% | 2,968 |
| Memoranda: | ||
| Average total assets | $654,955,250 | 1,375 |
| Average earning assets | $620,121,250 | 1,359 |
| Average equity | $53,735,250 | 1,542 |
| Average total loans | $442,455,500 | 1,277 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5896% | 1,876 |
| Cost of funding earning assets | 0.4096% | 861 |
| Net interest margin | 3.1800% | 2,255 |
| Noninterest income to average assets | 0.3360% | 3,144 |
| Noninterest expense to average assets | 2.5093% | 1,899 |
| Loan and lease loss provision to assets | 0.1947% | 438 |
| Net operating income to assets | 0.4930% | 3,910 |
| Return on assets (ROA) | 0.5102% | 3,823 |
| Pretax return on assets | 0.6588% | 3,690 |
| Return on Equity (ROE) | 6.1621% | 3,536 |
| Retained earnings to average equity (ytd only) | 4.0438% | 3,068 |
| Net charge-offs to loans | 0.0361% | 1,022 |
| Credit loss provision to net charge-offs | 812.8205% | 471 |
| Earnings coverage of net charge-offs (x) | 34.9103% | 1,326 |
| Efficiency ratio | 73.1387% | 1,605 |
| Assets per employee ($millions) | 9.6796% | 724 |
| Cash dividends to net income (ytd only)* | 34.3769% | 1,940 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8766% | 4,012 |
| Loan loss allowance to noncurrent loans | 4,024.7423% | 304 |
| Noncurrent assets plus other real estate owned to assets | 0.0147% | 3,875 |
| Noncurrent loans to loans | 0.0218% | 3,800 |
| Net loans and leases to total assets | 67.0679% | 1,573 |
| Net loans and leases to deposits | 76.1963% | 1,676 |
| Net loans and leases to core deposits | 86.1685% | 1,329 |
| Total domestic deposits to total assets | 88.0199% | 2,566 |
| Equity capital to assets | 7.7785% | 3,287 |
| Core capital (leverage) ratio | 8.0660% | 4,284 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.0688% | 3,008 |
| Memoranda: | ||
| Average total assets | $651,174,667 | 1,384 |
| Average earning assets | $616,280,333 | 1,372 |
| Average equity | $53,910,333 | 1,585 |
| Average total loans | $432,344,000 | 1,297 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4949% | 1,830 |
| Cost of funding earning assets | 0.4371% | 695 |
| Net interest margin | 3.0578% | 2,301 |
| Noninterest income to average assets | 0.2921% | 3,375 |
| Noninterest expense to average assets | 2.6959% | 1,377 |
| Loan and lease loss provision to assets | 0.1945% | 375 |
| Net operating income to assets | 0.2168% | 4,303 |
| Return on assets (ROA) | 0.2538% | 4,206 |
| Pretax return on assets | 0.3378% | 4,134 |
| Return on Equity (ROE) | 2.9747% | 4,095 |
| Retained earnings to average equity (ytd only) | 0.9047% | 3,844 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.4850% | 947 |
| Assets per employee ($millions) | 10.0153% | 677 |
| Cash dividends to net income (ytd only)* | 69.5864% | 865 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8408% | 4,172 |
| Loan loss allowance to noncurrent loans | 1,980.0000% | 558 |
| Noncurrent assets plus other real estate owned to assets | 0.0276% | 3,768 |
| Noncurrent loans to loans | 0.0425% | 3,675 |
| Net loans and leases to total assets | 64.3810% | 1,574 |
| Net loans and leases to deposits | 73.2344% | 1,672 |
| Net loans and leases to core deposits | 83.2128% | 1,283 |
| Total domestic deposits to total assets | 87.9109% | 2,567 |
| Equity capital to assets | 8.0173% | 3,556 |
| Core capital (leverage) ratio | 8.1259% | 4,221 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4519% | 2,988 |
| Memoranda: | ||
| Average total assets | $647,655,000 | 1,391 |
| Average earning assets | $614,033,000 | 1,381 |
| Average equity | $55,266,000 | 1,592 |
| Average total loans | $425,839,000 | 1,306 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0225% | 1,310 |
| Cost of funding earning assets | 0.6314% | 466 |
| Net interest margin | 3.3910% | 2,058 |
| Noninterest income to average assets | 0.7675% | 1,541 |
| Noninterest expense to average assets | 2.9611% | 1,046 |
| Loan and lease loss provision to assets | 0.2892% | 286 |
| Net operating income to assets | 0.5950% | 3,887 |
| Return on assets (ROA) | 0.5172% | 4,094 |
| Pretax return on assets | 0.6406% | 4,050 |
| Return on Equity (ROE) | 5.4708% | 3,891 |
| Retained earnings to average equity (ytd only) | 3.3755% | 3,468 |
| Net charge-offs to loans | 0.0181% | 1,920 |
| Credit loss provision to net charge-offs | 2,297.3333% | 283 |
| Earnings coverage of net charge-offs (x) | 79.9733% | 999 |
| Efficiency ratio | 72.7419% | 1,429 |
| Assets per employee ($millions) | 8.7927% | 983 |
| Cash dividends to net income (ytd only)* | 38.2993% | 2,116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8048% | 4,259 |
| Loan loss allowance to noncurrent loans | 1,263.3962% | 739 |
| Noncurrent assets plus other real estate owned to assets | 0.0424% | 3,707 |
| Noncurrent loans to loans | 0.0637% | 3,626 |
| Net loans and leases to total assets | 66.1003% | 1,460 |
| Net loans and leases to deposits | 76.4805% | 1,530 |
| Net loans and leases to core deposits | 88.2994% | 1,059 |
| Total domestic deposits to total assets | 86.4276% | 2,747 |
| Equity capital to assets | 9.0879% | 3,528 |
| Core capital (leverage) ratio | 8.4520% | 3,974 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0160% | 2,887 |
| Memoranda: | ||
| Average total assets | $595,696,200 | 1,459 |
| Average earning assets | $562,217,800 | 1,448 |
| Average equity | $56,317,000 | 1,602 |
| Average total loans | $414,344,800 | 1,335 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1085% | 1,292 |
| Cost of funding earning assets | 0.6622% | 466 |
| Net interest margin | 3.4463% | 2,020 |
| Noninterest income to average assets | 0.8375% | 1,420 |
| Noninterest expense to average assets | 2.8211% | 1,293 |
| Loan and lease loss provision to assets | 0.3439% | 211 |
| Net operating income to assets | 0.7257% | 3,707 |
| Return on assets (ROA) | 0.6327% | 4,000 |
| Pretax return on assets | 0.8298% | 3,836 |
| Return on Equity (ROE) | 6.6247% | 3,769 |
| Retained earnings to average equity (ytd only) | 4.5089% | 3,403 |
| Net charge-offs to loans | 0.0242% | 1,560 |
| Credit loss provision to net charge-offs | 2,024.0000% | 324 |
| Earnings coverage of net charge-offs (x) | 74.4933% | 1,022 |
| Efficiency ratio | 67.1563% | 1,945 |
| Assets per employee ($millions) | 8.6040% | 1,010 |
| Cash dividends to net income (ytd only)* | 31.9370% | 1,981 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7515% | 4,418 |
| Loan loss allowance to noncurrent loans | 882.8652% | 875 |
| Noncurrent assets plus other real estate owned to assets | 0.0583% | 3,731 |
| Noncurrent loans to loans | 0.0851% | 3,660 |
| Net loans and leases to total assets | 67.9483% | 1,330 |
| Net loans and leases to deposits | 79.0113% | 1,382 |
| Net loans and leases to core deposits | 92.5201% | 900 |
| Total domestic deposits to total assets | 85.9982% | 2,747 |
| Equity capital to assets | 9.3597% | 3,502 |
| Core capital (leverage) ratio | 8.8133% | 3,739 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3580% | 2,889 |
| Memoranda: | ||
| Average total assets | $588,549,500 | 1,492 |
| Average earning assets | $554,897,000 | 1,478 |
| Average equity | $56,212,750 | 1,617 |
| Average total loans | $413,930,750 | 1,366 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1034% | 1,340 |
| Cost of funding earning assets | 0.6894% | 491 |
| Net interest margin | 3.4140% | 2,096 |
| Noninterest income to average assets | 0.8704% | 1,356 |
| Noninterest expense to average assets | 2.8060% | 1,339 |
| Loan and lease loss provision to assets | 0.3779% | 188 |
| Net operating income to assets | 0.7173% | 3,718 |
| Return on assets (ROA) | 0.6164% | 4,002 |
| Pretax return on assets | 0.8085% | 3,854 |
| Return on Equity (ROE) | 6.4089% | 3,815 |
| Retained earnings to average equity (ytd only) | 4.2439% | 3,441 |
| Net charge-offs to loans | 0.0364% | 1,275 |
| Credit loss provision to net charge-offs | 1,464.0000% | 370 |
| Earnings coverage of net charge-offs (x) | 49.8133% | 1,070 |
| Efficiency ratio | 66.6498% | 2,059 |
| Assets per employee ($millions) | 9.2719% | 780 |
| Cash dividends to net income (ytd only)* | 33.7800% | 1,878 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6444% | 4,603 |
| Loan loss allowance to noncurrent loans | 204.4294% | 2,436 |
| Noncurrent assets plus other real estate owned to assets | 0.2245% | 2,807 |
| Noncurrent loans to loans | 0.3152% | 2,792 |
| Net loans and leases to total assets | 70.7546% | 1,119 |
| Net loans and leases to deposits | 82.4587% | 1,180 |
| Net loans and leases to core deposits | 97.5958% | 737 |
| Total domestic deposits to total assets | 85.8061% | 2,800 |
| Equity capital to assets | 9.4947% | 3,331 |
| Core capital (leverage) ratio | 8.9901% | 3,477 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1979% | 2,919 |
| Memoranda: | ||
| Average total assets | $581,104,333 | 1,500 |
| Average earning assets | $548,325,000 | 1,489 |
| Average equity | $55,891,333 | 1,617 |
| Average total loans | $412,498,000 | 1,378 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9174% | 1,790 |
| Cost of funding earning assets | 0.7251% | 502 |
| Net interest margin | 3.1924% | 2,725 |
| Noninterest income to average assets | 0.9072% | 1,310 |
| Noninterest expense to average assets | 2.8169% | 1,329 |
| Loan and lease loss provision to assets | 0.3757% | 213 |
| Net operating income to assets | 0.5836% | 3,984 |
| Return on assets (ROA) | 0.4626% | 4,287 |
| Pretax return on assets | 0.6067% | 4,184 |
| Return on Equity (ROE) | 4.7785% | 4,133 |
| Retained earnings to average equity (ytd only) | 2.6012% | 3,896 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8331% | 1,726 |
| Assets per employee ($millions) | 9.3955% | 721 |
| Cash dividends to net income (ytd only)* | 45.5639% | 1,240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5303% | 4,752 |
| Loan loss allowance to noncurrent loans | 466.6667% | 1,246 |
| Noncurrent assets plus other real estate owned to assets | 0.0824% | 3,789 |
| Noncurrent loans to loans | 0.1136% | 3,739 |
| Net loans and leases to total assets | 72.1221% | 1,002 |
| Net loans and leases to deposits | 83.9860% | 1,143 |
| Net loans and leases to core deposits | 107.2807% | 473 |
| Total domestic deposits to total assets | 85.8739% | 2,782 |
| Equity capital to assets | 9.5187% | 3,182 |
| Core capital (leverage) ratio | 9.3920% | 3,155 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3159% | 2,863 |
| Memoranda: | ||
| Average total assets | $574,955,500 | 1,499 |
| Average earning assets | $542,292,000 | 1,495 |
| Average equity | $55,666,000 | 1,615 |
| Average total loans | $407,456,000 | 1,392 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3387% | 1,748 |
| Cost of funding earning assets | 0.9628% | 685 |
| Net interest margin | 3.3758% | 2,849 |
| Noninterest income to average assets | 0.8894% | 1,297 |
| Noninterest expense to average assets | 2.8463% | 1,827 |
| Loan and lease loss provision to assets | 0.2804% | 1,363 |
| Net operating income to assets | 0.7564% | 3,247 |
| Return on assets (ROA) | 0.6961% | 3,579 |
| Pretax return on assets | 0.9004% | 3,365 |
| Return on Equity (ROE) | 6.7961% | 3,283 |
| Retained earnings to average equity (ytd only) | 4.8410% | 2,348 |
| Net charge-offs to loans | 0.0088% | 3,013 |
| Credit loss provision to net charge-offs | 4,268.5714% | 245 |
| Earnings coverage of net charge-offs (x) | 186.6000% | 494 |
| Efficiency ratio | 67.6099% | 2,280 |
| Assets per employee ($millions) | 9.4586% | 633 |
| Cash dividends to net income (ytd only)* | 28.7679% | 2,901 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4330% | 4,836 |
| Loan loss allowance to noncurrent loans | 290.5983% | 1,754 |
| Noncurrent assets plus other real estate owned to assets | 0.1031% | 3,791 |
| Noncurrent loans to loans | 0.1490% | 3,689 |
| Net loans and leases to total assets | 68.8737% | 1,709 |
| Net loans and leases to deposits | 88.2997% | 1,058 |
| Net loans and leases to core deposits | 117.1897% | 351 |
| Total domestic deposits to total assets | 78.0000% | 4,314 |
| Equity capital to assets | 9.8764% | 3,239 |
| Core capital (leverage) ratio | 9.5250% | 3,087 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6467% | 2,385 |
| Memoranda: | ||
| Average total assets | $532,860,000 | 1,465 |
| Average earning assets | $502,364,400 | 1,449 |
| Average equity | $54,575,800 | 1,570 |
| Average total loans | $395,649,200 | 1,372 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3384% | 1,995 |
| Cost of funding earning assets | 1.0090% | 741 |
| Net interest margin | 3.3294% | 3,100 |
| Noninterest income to average assets | 0.7918% | 1,529 |
| Noninterest expense to average assets | 2.7050% | 2,239 |
| Loan and lease loss provision to assets | 0.3159% | 1,257 |
| Net operating income to assets | 0.7160% | 3,409 |
| Return on assets (ROA) | 0.6984% | 3,564 |
| Pretax return on assets | 0.9093% | 3,355 |
| Return on Equity (ROE) | 6.7542% | 3,289 |
| Retained earnings to average equity (ytd only) | 4.9562% | 2,575 |
| Net charge-offs to loans | 0.0124% | 2,660 |
| Credit loss provision to net charge-offs | 3,356.7568% | 321 |
| Earnings coverage of net charge-offs (x) | 129.8919% | 663 |
| Efficiency ratio | 66.4270% | 2,413 |
| Assets per employee ($millions) | 9.9057% | 520 |
| Cash dividends to net income (ytd only)* | 26.6205% | 2,510 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3360% | 4,918 |
| Loan loss allowance to noncurrent loans | 310.9677% | 1,593 |
| Noncurrent assets plus other real estate owned to assets | 0.0782% | 4,040 |
| Noncurrent loans to loans | 0.1080% | 3,933 |
| Net loans and leases to total assets | 72.1736% | 1,637 |
| Net loans and leases to deposits | 100.5143% | 515 |
| Net loans and leases to core deposits | 135.0864% | 193 |
| Total domestic deposits to total assets | 71.8043% | 4,686 |
| Equity capital to assets | 9.3063% | 3,854 |
| Core capital (leverage) ratio | 9.5395% | 3,218 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0454% | 2,596 |
| Memoranda: | ||
| Average total assets | $524,195,750 | 1,468 |
| Average earning assets | $493,690,500 | 1,446 |
| Average equity | $54,207,250 | 1,567 |
| Average total loans | $396,419,000 | 1,355 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5718% | 1,721 |
| Cost of funding earning assets | 1.0870% | 738 |
| Net interest margin | 3.4848% | 2,841 |
| Noninterest income to average assets | 0.6278% | 2,021 |
| Noninterest expense to average assets | 2.7284% | 2,296 |
| Loan and lease loss provision to assets | 0.3095% | 1,394 |
| Net operating income to assets | 0.6641% | 3,531 |
| Return on assets (ROA) | 0.7320% | 3,388 |
| Pretax return on assets | 0.9660% | 3,125 |
| Return on Equity (ROE) | 6.8091% | 3,203 |
| Retained earnings to average equity (ytd only) | 5.3381% | 2,334 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2770% | 2,336 |
| Assets per employee ($millions) | 10.1629% | 474 |
| Cash dividends to net income (ytd only)* | 21.6039% | 2,674 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2432% | 4,981 |
| Loan loss allowance to noncurrent loans | 143.7058% | 2,667 |
| Noncurrent assets plus other real estate owned to assets | 0.1220% | 3,921 |
| Noncurrent loans to loans | 0.1692% | 3,774 |
| Net loans and leases to total assets | 71.9390% | 1,718 |
| Net loans and leases to deposits | 100.2403% | 534 |
| Net loans and leases to core deposits | 134.9606% | 209 |
| Total domestic deposits to total assets | 71.7665% | 4,723 |
| Equity capital to assets | 9.4538% | 3,699 |
| Core capital (leverage) ratio | 9.7469% | 3,087 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1032% | 2,564 |
| Memoranda: | ||
| Average total assets | $500,814,667 | 1,496 |
| Average earning assets | $470,847,667 | 1,479 |
| Average equity | $53,839,333 | 1,563 |
| Average total loans | $385,091,333 | 1,377 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9744% | 1,015 |
| Cost of funding earning assets | 1.2142% | 735 |
| Net interest margin | 3.7602% | 2,110 |
| Noninterest income to average assets | 0.5338% | 2,371 |
| Noninterest expense to average assets | 2.9178% | 2,078 |
| Loan and lease loss provision to assets | 0.3016% | 1,027 |
| Net operating income to assets | 0.6317% | 3,509 |
| Return on assets (ROA) | 0.6179% | 3,606 |
| Pretax return on assets | 0.8215% | 3,355 |
| Return on Equity (ROE) | 5.3432% | 3,528 |
| Retained earnings to average equity (ytd only) | 3.8594% | 2,733 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2028% | 2,481 |
| Assets per employee ($millions) | 8.2079% | 687 |
| Cash dividends to net income (ytd only)* | 27.7700% | 2,189 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1590% | 5,040 |
| Loan loss allowance to noncurrent loans | 138.2629% | 2,700 |
| Noncurrent assets plus other real estate owned to assets | 0.0911% | 4,160 |
| Noncurrent loans to loans | 0.1150% | 4,059 |
| Net loans and leases to total assets | 79.0555% | 816 |
| Net loans and leases to deposits | 100.8593% | 498 |
| Net loans and leases to core deposits | 135.5120% | 208 |
| Total domestic deposits to total assets | 78.3820% | 4,162 |
| Equity capital to assets | 11.4708% | 2,460 |
| Core capital (leverage) ratio | 10.4561% | 2,990 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5413% | 2,914 |
| Memoranda: | ||
| Average total assets | $461,578,000 | 1,563 |
| Average earning assets | $432,211,500 | 1,546 |
| Average equity | $53,376,500 | 1,564 |
| Average total loans | $368,762,000 | 1,390 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6768% | 2,400 |
| Cost of funding earning assets | 1.2474% | 903 |
| Net interest margin | 3.4294% | 3,651 |
| Noninterest income to average assets | 0.5975% | 2,233 |
| Noninterest expense to average assets | 3.1944% | 1,537 |
| Loan and lease loss provision to assets | 0.1212% | 1,747 |
| Net operating income to assets | 0.3952% | 4,599 |
| Return on assets (ROA) | 0.3679% | 4,684 |
| Pretax return on assets | 0.5054% | 4,566 |
| Return on Equity (ROE) | 3.4958% | 4,579 |
| Retained earnings to average equity (ytd only) | 2.7129% | 3,680 |
| Net charge-offs to loans | -0.0003% | 4,136 |
| Credit loss provision to net charge-offs | -52,800.0000% | 4,738 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.0172% | 728 |
| Assets per employee ($millions) | 7.8769% | 747 |
| Cash dividends to net income (ytd only)* | 22.3955% | 3,399 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0412% | 5,117 |
| Loan loss allowance to noncurrent loans | 40.3743% | 4,259 |
| Noncurrent assets plus other real estate owned to assets | 0.0833% | 4,226 |
| Noncurrent loans to loans | 0.1020% | 4,115 |
| Net loans and leases to total assets | 81.5980% | 597 |
| Net loans and leases to deposits | 105.4795% | 318 |
| Net loans and leases to core deposits | 145.3045% | 145 |
| Total domestic deposits to total assets | 77.3591% | 4,453 |
| Equity capital to assets | 10.3734% | 3,568 |
| Core capital (leverage) ratio | 10.3217% | 3,166 |
| Tier 1 risk-based capital ratio | 12.3566% | 4,156 |
| Total risk-based capital ratio | 12.3967% | 4,689 |
| Memoranda: | ||
| Average total assets | $435,673,600 | 1,607 |
| Average earning assets | $412,929,600 | 1,575 |
| Average equity | $45,855,000 | 1,728 |
| Average total loans | $342,013,200 | 1,456 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6733% | 2,493 |
| Cost of funding earning assets | 1.2485% | 915 |
| Net interest margin | 3.4248% | 3,793 |
| Noninterest income to average assets | 0.6344% | 2,051 |
| Noninterest expense to average assets | 2.8702% | 2,342 |
| Loan and lease loss provision to assets | 0.0836% | 2,236 |
| Net operating income to assets | 0.7050% | 3,996 |
| Return on assets (ROA) | 0.6692% | 4,170 |
| Pretax return on assets | 0.8915% | 3,895 |
| Return on Equity (ROE) | 6.3344% | 3,943 |
| Retained earnings to average equity (ytd only) | 6.3344% | 2,208 |
| Net charge-offs to loans | -0.0004% | 3,965 |
| Credit loss provision to net charge-offs | -27,100.0000% | 4,704 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.9531% | 1,577 |
| Assets per employee ($millions) | 7.4882% | 845 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2246% | 2,376 |
| Loan loss allowance to noncurrent loans | 747.2949% | 720 |
| Noncurrent assets plus other real estate owned to assets | 0.1297% | 4,075 |
| Noncurrent loans to loans | 0.1639% | 3,958 |
| Net loans and leases to total assets | 78.1784% | 1,109 |
| Net loans and leases to deposits | 101.6543% | 522 |
| Net loans and leases to core deposits | 129.8135% | 294 |
| Total domestic deposits to total assets | 76.9061% | 4,525 |
| Equity capital to assets | 10.7394% | 3,345 |
| Core capital (leverage) ratio | 11.0244% | 2,620 |
| Tier 1 risk-based capital ratio | 13.1149% | 3,791 |
| Total risk-based capital ratio | 14.2847% | 3,729 |
| Memoranda: | ||
| Average total assets | $432,346,000 | 1,627 |
| Average earning assets | $409,864,000 | 1,594 |
| Average equity | $45,675,000 | 1,733 |
| Average total loans | $335,888,250 | 1,484 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6656% | 2,462 |
| Cost of funding earning assets | 1.2319% | 913 |
| Net interest margin | 3.4337% | 3,791 |
| Noninterest income to average assets | 0.5037% | 2,654 |
| Noninterest expense to average assets | 2.8109% | 2,545 |
| Loan and lease loss provision to assets | 0.0396% | 3,025 |
| Net operating income to assets | 0.6808% | 4,069 |
| Return on assets (ROA) | 0.6659% | 4,165 |
| Pretax return on assets | 0.8947% | 3,863 |
| Return on Equity (ROE) | 6.3392% | 3,927 |
| Retained earnings to average equity (ytd only) | 6.3392% | 2,122 |
| Net charge-offs to loans | -0.0006% | 3,877 |
| Credit loss provision to net charge-offs | -8,500.0000% | 4,524 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7552% | 1,547 |
| Assets per employee ($millions) | 8.0925% | 649 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2225% | 2,406 |
| Loan loss allowance to noncurrent loans | 8,031.3725% | 97 |
| Noncurrent assets plus other real estate owned to assets | 0.0117% | 4,739 |
| Noncurrent loans to loans | 0.0152% | 4,649 |
| Net loans and leases to total assets | 75.7364% | 1,590 |
| Net loans and leases to deposits | 98.9479% | 754 |
| Net loans and leases to core deposits | 127.7053% | 356 |
| Total domestic deposits to total assets | 76.5417% | 4,619 |
| Equity capital to assets | 10.6859% | 3,354 |
| Core capital (leverage) ratio | 10.9404% | 2,653 |
| Tier 1 risk-based capital ratio | 13.5507% | 3,548 |
| Total risk-based capital ratio | 14.7272% | 3,493 |
| Memoranda: | ||
| Average total assets | $429,193,000 | 1,639 |
| Average earning assets | $407,021,330 | 1,603 |
| Average equity | $45,084,330 | 1,750 |
| Average total loans | $331,291,670 | 1,511 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6452% | 2,398 |
| Cost of funding earning assets | 1.2059% | 890 |
| Net interest margin | 3.4393% | 3,777 |
| Noninterest income to average assets | 0.3922% | 3,235 |
| Noninterest expense to average assets | 2.8837% | 2,319 |
| Loan and lease loss provision to assets | 0.0799% | 2,095 |
| Net operating income to assets | 0.4947% | 4,535 |
| Return on assets (ROA) | 0.5126% | 4,505 |
| Pretax return on assets | 0.7110% | 4,276 |
| Return on Equity (ROE) | 4.9234% | 4,340 |
| Retained earnings to average equity (ytd only) | 4.9234% | 2,938 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.8580% | 1,176 |
| Assets per employee ($millions) | 7.9613% | 682 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2278% | 2,438 |
| Loan loss allowance to noncurrent loans | 8,029.4118% | 106 |
| Noncurrent assets plus other real estate owned to assets | 0.0119% | 4,814 |
| Noncurrent loans to loans | 0.0153% | 4,714 |
| Net loans and leases to total assets | 76.6242% | 1,376 |
| Net loans and leases to deposits | 98.7147% | 726 |
| Net loans and leases to core deposits | 127.8055% | 342 |
| Total domestic deposits to total assets | 77.6219% | 4,574 |
| Equity capital to assets | 10.4403% | 3,388 |
| Core capital (leverage) ratio | 10.9292% | 2,637 |
| Tier 1 risk-based capital ratio | 13.4490% | 3,632 |
| Total risk-based capital ratio | 14.6401% | 3,578 |
| Memoranda: | ||
| Average total assets | $425,291,500 | 1,660 |
| Average earning assets | $403,688,500 | 1,620 |
| Average equity | $44,278,000 | 1,769 |
| Average total loans | $329,407,000 | 1,523 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5192% | 2,406 |
| Cost of funding earning assets | 1.0042% | 736 |
| Net interest margin | 3.5149% | 3,657 |
| Noninterest income to average assets | 0.4361% | 3,195 |
| Noninterest expense to average assets | 2.8936% | 2,374 |
| Loan and lease loss provision to assets | 0.0997% | 2,190 |
| Net operating income to assets | 0.6426% | 4,306 |
| Return on assets (ROA) | 0.6468% | 4,300 |
| Pretax return on assets | 0.7928% | 4,189 |
| Return on Equity (ROE) | 6.6070% | 3,964 |
| Retained earnings to average equity (ytd only) | 6.6070% | 1,859 |
| Net charge-offs to loans | 0.0010% | 3,744 |
| Credit loss provision to net charge-offs | 13,633.3333% | 32 |
| Earnings coverage of net charge-offs (x) | 1,215.6667% | 87 |
| Efficiency ratio | 76.4892% | 1,292 |
| Assets per employee ($millions) | 7.9372% | 671 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2327% | 2,393 |
| Loan loss allowance to noncurrent loans | 7,862.7451% | 111 |
| Noncurrent assets plus other real estate owned to assets | 0.0121% | 4,843 |
| Noncurrent loans to loans | 0.0157% | 4,724 |
| Net loans and leases to total assets | 76.3761% | 1,545 |
| Net loans and leases to deposits | 97.1437% | 963 |
| Net loans and leases to core deposits | 127.1239% | 373 |
| Total domestic deposits to total assets | 78.6218% | 4,389 |
| Equity capital to assets | 10.3815% | 3,301 |
| Core capital (leverage) ratio | 10.8453% | 2,685 |
| Tier 1 risk-based capital ratio | 13.7407% | 3,417 |
| Total risk-based capital ratio | 14.9462% | 3,363 |
| Memoranda: | ||
| Average total assets | $410,041,400 | 1,670 |
| Average earning assets | $390,448,200 | 1,621 |
| Average equity | $40,139,000 | 1,851 |
| Average total loans | $311,996,000 | 1,544 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4648% | 2,414 |
| Cost of funding earning assets | 0.9605% | 714 |
| Net interest margin | 3.5042% | 3,687 |
| Noninterest income to average assets | 0.4042% | 3,456 |
| Noninterest expense to average assets | 2.8408% | 2,498 |
| Loan and lease loss provision to assets | 0.1244% | 1,615 |
| Net operating income to assets | 0.6234% | 4,439 |
| Return on assets (ROA) | 0.6330% | 4,425 |
| Pretax return on assets | 0.7832% | 4,340 |
| Return on Equity (ROE) | 6.5687% | 4,085 |
| Retained earnings to average equity (ytd only) | 6.5687% | 2,355 |
| Net charge-offs to loans | 0.0009% | 3,469 |
| Credit loss provision to net charge-offs | 19,000.0000% | 16 |
| Earnings coverage of net charge-offs (x) | 1,372.2509% | 54 |
| Efficiency ratio | 75.9538% | 1,356 |
| Assets per employee ($millions) | 8.2365% | 590 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2247% | 2,483 |
| Loan loss allowance to noncurrent loans | 7,807.8431% | 116 |
| Noncurrent assets plus other real estate owned to assets | 0.0121% | 4,949 |
| Noncurrent loans to loans | 0.0157% | 4,843 |
| Net loans and leases to total assets | 76.4557% | 1,590 |
| Net loans and leases to deposits | 93.1452% | 1,488 |
| Net loans and leases to core deposits | 122.6822% | 502 |
| Total domestic deposits to total assets | 82.0823% | 3,586 |
| Equity capital to assets | 9.7536% | 3,867 |
| Core capital (leverage) ratio | 10.3758% | 3,205 |
| Tier 1 risk-based capital ratio | 13.1442% | 3,816 |
| Total risk-based capital ratio | 14.3422% | 3,767 |
| Memoranda: | ||
| Average total assets | $407,383,750 | 1,692 |
| Average earning assets | $387,825,250 | 1,641 |
| Average equity | $39,255,750 | 1,894 |
| Average total loans | $308,669,250 | 1,560 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3763% | 2,497 |
| Cost of funding earning assets | 0.9360% | 622 |
| Net interest margin | 3.4404% | 3,832 |
| Noninterest income to average assets | 0.3656% | 3,709 |
| Noninterest expense to average assets | 2.8212% | 2,599 |
| Loan and lease loss provision to assets | 0.1553% | 1,214 |
| Net operating income to assets | 0.5355% | 4,665 |
| Return on assets (ROA) | 0.5487% | 4,633 |
| Pretax return on assets | 0.6742% | 4,571 |
| Return on Equity (ROE) | 5.7181% | 4,339 |
| Retained earnings to average equity (ytd only) | 5.7181% | 2,714 |
| Net charge-offs to loans | 0.0013% | 3,167 |
| Credit loss provision to net charge-offs | 15,650.0000% | 22 |
| Earnings coverage of net charge-offs (x) | 824.0000% | 97 |
| Efficiency ratio | 77.5324% | 1,243 |
| Assets per employee ($millions) | 8.1827% | 589 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2329% | 2,536 |
| Loan loss allowance to noncurrent loans | 7,528.8462% | 114 |
| Noncurrent assets plus other real estate owned to assets | 0.0125% | 4,978 |
| Noncurrent loans to loans | 0.0164% | 4,871 |
| Net loans and leases to total assets | 75.1517% | 1,768 |
| Net loans and leases to deposits | 89.7171% | 1,876 |
| Net loans and leases to core deposits | 118.7993% | 599 |
| Total domestic deposits to total assets | 83.7652% | 3,145 |
| Equity capital to assets | 9.7031% | 3,914 |
| Core capital (leverage) ratio | 10.3410% | 3,197 |
| Tier 1 risk-based capital ratio | 13.1107% | 3,841 |
| Total risk-based capital ratio | 14.3081% | 3,782 |
| Memoranda: | ||
| Average total assets | $403,158,330 | 1,712 |
| Average earning assets | $383,562,330 | 1,669 |
| Average equity | $38,684,000 | 1,918 |
| Average total loans | $303,178,330 | 1,584 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2905% | 2,558 |
| Cost of funding earning assets | 0.9244% | 529 |
| Net interest margin | 3.3661% | 4,002 |
| Noninterest income to average assets | 0.3393% | 3,879 |
| Noninterest expense to average assets | 2.8489% | 2,538 |
| Loan and lease loss provision to assets | 0.1010% | 1,839 |
| Net operating income to assets | 0.4747% | 4,754 |
| Return on assets (ROA) | 0.4979% | 4,706 |
| Pretax return on assets | 0.6120% | 4,659 |
| Return on Equity (ROE) | 5.2198% | 4,413 |
| Retained earnings to average equity (ytd only) | 5.2198% | 3,072 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.5080% | 1,087 |
| Assets per employee ($millions) | 7.7864% | 686 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2302% | 2,629 |
| Loan loss allowance to noncurrent loans | 6,990.5660% | 122 |
| Noncurrent assets plus other real estate owned to assets | 0.0128% | 5,061 |
| Noncurrent loans to loans | 0.0176% | 4,912 |
| Net loans and leases to total assets | 72.0834% | 2,155 |
| Net loans and leases to deposits | 86.9161% | 2,059 |
| Net loans and leases to core deposits | 105.5587% | 1,272 |
| Total domestic deposits to total assets | 82.9344% | 3,688 |
| Equity capital to assets | 9.6329% | 3,958 |
| Core capital (leverage) ratio | 10.8150% | 2,617 |
| Tier 1 risk-based capital ratio | 13.4619% | 3,681 |
| Total risk-based capital ratio | 14.6507% | 3,634 |
| Memoranda: | ||
| Average total assets | $396,077,500 | 1,756 |
| Average earning assets | $376,459,500 | 1,715 |
| Average equity | $37,779,500 | 1,963 |
| Average total loans | $295,998,500 | 1,629 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1802% | 2,759 |
| Cost of funding earning assets | 0.8867% | 401 |
| Net interest margin | 3.2935% | 4,181 |
| Noninterest income to average assets | 0.1687% | 5,112 |
| Noninterest expense to average assets | 2.6646% | 3,246 |
| Loan and lease loss provision to assets | 0.1019% | 2,186 |
| Net operating income to assets | 0.1950% | 5,122 |
| Return on assets (ROA) | 0.1772% | 5,166 |
| Pretax return on assets | 0.5033% | 4,926 |
| Return on Equity (ROE) | 1.8614% | 5,086 |
| Retained earnings to average equity (ytd only) | 1.8614% | 4,196 |
| Net charge-offs to loans | -0.0122% | 4,842 |
| Credit loss provision to net charge-offs | -1,160.6061% | 5,092 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.8018% | 1,028 |
| Assets per employee ($millions) | 6.8996% | 1,013 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2393% | 2,542 |
| Loan loss allowance to noncurrent loans | 6,674.0741% | 144 |
| Noncurrent assets plus other real estate owned to assets | 0.0142% | 5,084 |
| Noncurrent loans to loans | 0.0186% | 4,937 |
| Net loans and leases to total assets | 75.6873% | 1,656 |
| Net loans and leases to deposits | 91.6949% | 1,570 |
| Net loans and leases to core deposits | 112.8258% | 848 |
| Total domestic deposits to total assets | 82.5425% | 3,715 |
| Equity capital to assets | 9.4356% | 4,288 |
| Core capital (leverage) ratio | 9.5696% | 3,950 |
| Tier 1 risk-based capital ratio | 12.1690% | 4,417 |
| Total risk-based capital ratio | 13.3720% | 4,342 |
| Memoranda: | ||
| Average total assets | $375,923,200 | 1,803 |
| Average earning assets | $357,157,600 | 1,771 |
| Average equity | $35,779,600 | 2,038 |
| Average total loans | $270,380,000 | 1,711 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1312% | 2,870 |
| Cost of funding earning assets | 0.8661% | 423 |
| Net interest margin | 3.2651% | 4,278 |
| Noninterest income to average assets | 0.1749% | 5,140 |
| Noninterest expense to average assets | 2.5643% | 3,521 |
| Loan and lease loss provision to assets | 0.0715% | 2,649 |
| Net operating income to assets | 0.4566% | 4,864 |
| Return on assets (ROA) | 0.4579% | 4,890 |
| Pretax return on assets | 0.6435% | 4,750 |
| Return on Equity (ROE) | 4.8005% | 4,602 |
| Retained earnings to average equity (ytd only) | 4.8005% | 3,019 |
| Net charge-offs to loans | -0.0136% | 4,732 |
| Credit loss provision to net charge-offs | -744.4444% | 4,893 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.2406% | 1,302 |
| Assets per employee ($millions) | 7.3158% | 821 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2374% | 2,710 |
| Loan loss allowance to noncurrent loans | 1,388.6179% | 466 |
| Noncurrent assets plus other real estate owned to assets | 0.0647% | 4,913 |
| Noncurrent loans to loans | 0.0891% | 4,713 |
| Net loans and leases to total assets | 71.6667% | 2,304 |
| Net loans and leases to deposits | 87.7241% | 2,097 |
| Net loans and leases to core deposits | 109.2861% | 1,073 |
| Total domestic deposits to total assets | 81.6956% | 3,869 |
| Equity capital to assets | 9.6406% | 4,306 |
| Core capital (leverage) ratio | 9.8139% | 3,804 |
| Tier 1 risk-based capital ratio | 12.7832% | 4,149 |
| Total risk-based capital ratio | 13.9665% | 4,090 |
| Memoranda: | ||
| Average total assets | $375,035,000 | 1,821 |
| Average earning assets | $356,365,000 | 1,788 |
| Average equity | $35,773,000 | 2,044 |
| Average total loans | $265,270,250 | 1,744 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0740% | 2,920 |
| Cost of funding earning assets | 0.8317% | 441 |
| Net interest margin | 3.2423% | 4,288 |
| Noninterest income to average assets | 0.1650% | 5,231 |
| Noninterest expense to average assets | 2.5753% | 3,507 |
| Loan and lease loss provision to assets | 0.0488% | 3,015 |
| Net operating income to assets | 0.4412% | 4,868 |
| Return on assets (ROA) | 0.4431% | 4,888 |
| Pretax return on assets | 0.6248% | 4,749 |
| Return on Equity (ROE) | 4.6628% | 4,614 |
| Retained earnings to average equity (ytd only) | 4.6628% | 2,937 |
| Net charge-offs to loans | -0.0176% | 4,731 |
| Credit loss provision to net charge-offs | -395.6522% | 4,617 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.3331% | 1,290 |
| Assets per employee ($millions) | 7.3185% | 809 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2330% | 2,807 |
| Loan loss allowance to noncurrent loans | 1,500.9091% | 432 |
| Noncurrent assets plus other real estate owned to assets | 0.0589% | 4,967 |
| Noncurrent loans to loans | 0.0821% | 4,803 |
| Net loans and leases to total assets | 70.8680% | 2,396 |
| Net loans and leases to deposits | 88.8004% | 1,890 |
| Net loans and leases to core deposits | 113.8510% | 807 |
| Total domestic deposits to total assets | 79.8059% | 4,452 |
| Equity capital to assets | 9.7304% | 4,198 |
| Core capital (leverage) ratio | 9.8165% | 3,757 |
| Tier 1 risk-based capital ratio | 12.8456% | 4,092 |
| Total risk-based capital ratio | 14.0096% | 4,051 |
| Memoranda: | ||
| Average total assets | $373,239,330 | 1,830 |
| Average earning assets | $354,687,670 | 1,791 |
| Average equity | $35,472,330 | 2,050 |
| Average total loans | $261,676,330 | 1,757 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0184% | 2,965 |
| Cost of funding earning assets | 0.7886% | 527 |
| Net interest margin | 3.2298% | 4,247 |
| Noninterest income to average assets | 0.1790% | 5,196 |
| Noninterest expense to average assets | 2.5217% | 3,740 |
| Loan and lease loss provision to assets | 0.0600% | 2,602 |
| Net operating income to assets | 0.4685% | 4,710 |
| Return on assets (ROA) | 0.4715% | 4,723 |
| Pretax return on assets | 0.6741% | 4,521 |
| Return on Equity (ROE) | 5.0215% | 4,383 |
| Retained earnings to average equity (ytd only) | 5.0215% | 2,884 |
| Net charge-offs to loans | -0.0046% | 4,162 |
| Credit loss provision to net charge-offs | -1,866.6667% | 4,559 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5544% | 1,693 |
| Assets per employee ($millions) | 7.4808% | 763 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2484% | 2,837 |
| Loan loss allowance to noncurrent loans | 1,531.6038% | 427 |
| Noncurrent assets plus other real estate owned to assets | 0.0567% | 5,068 |
| Noncurrent loans to loans | 0.0815% | 4,868 |
| Net loans and leases to total assets | 68.6703% | 2,573 |
| Net loans and leases to deposits | 86.0076% | 2,030 |
| Net loans and leases to core deposits | 114.0145% | 671 |
| Total domestic deposits to total assets | 79.8422% | 4,651 |
| Equity capital to assets | 9.4667% | 4,312 |
| Core capital (leverage) ratio | 9.6517% | 3,921 |
| Tier 1 risk-based capital ratio | 13.0223% | 4,066 |
| Total risk-based capital ratio | 14.1953% | 4,008 |
| Memoranda: | ||
| Average total assets | $373,238,000 | 1,843 |
| Average earning assets | $355,070,500 | 1,802 |
| Average equity | $35,049,500 | 2,080 |
| Average total loans | $258,609,000 | 1,781 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0706% | 2,951 |
| Cost of funding earning assets | 0.8182% | 458 |
| Net interest margin | 3.2525% | 4,288 |
| Noninterest income to average assets | 0.1641% | 5,394 |
| Noninterest expense to average assets | 2.6912% | 3,368 |
| Loan and lease loss provision to assets | 0.0495% | 3,409 |
| Net operating income to assets | 0.3569% | 5,062 |
| Return on assets (ROA) | 0.3734% | 5,104 |
| Pretax return on assets | 0.5268% | 4,974 |
| Return on Equity (ROE) | 4.2702% | 4,751 |
| Retained earnings to average equity (ytd only) | 4.2702% | 2,873 |
| Net charge-offs to loans | 0.0220% | 3,603 |
| Credit loss provision to net charge-offs | 305.6604% | 968 |
| Earnings coverage of net charge-offs (x) | 34.1509% | 1,323 |
| Efficiency ratio | 82.9535% | 1,098 |
| Assets per employee ($millions) | 7.1623% | 853 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2399% | 2,878 |
| Loan loss allowance to noncurrent loans | 801.0050% | 715 |
| Noncurrent assets plus other real estate owned to assets | 0.1069% | 4,889 |
| Noncurrent loans to loans | 0.1548% | 4,620 |
| Net loans and leases to total assets | 68.1805% | 2,743 |
| Net loans and leases to deposits | 92.7761% | 1,333 |
| Net loans and leases to core deposits | 117.9572% | 549 |
| Total domestic deposits to total assets | 73.4893% | 5,475 |
| Equity capital to assets | 9.3143% | 4,459 |
| Core capital (leverage) ratio | 10.7491% | 2,595 |
| Tier 1 risk-based capital ratio | 13.0072% | 4,074 |
| Total risk-based capital ratio | 14.1717% | 4,018 |
| Memoranda: | ||
| Average total assets | $327,284,800 | 2,019 |
| Average earning assets | $309,950,600 | 1,975 |
| Average equity | $28,616,800 | 2,477 |
| Average total loans | $241,355,400 | 1,839 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1409% | 2,715 |
| Cost of funding earning assets | 0.8386% | 408 |
| Net interest margin | 3.3023% | 4,177 |
| Noninterest income to average assets | 0.1662% | 5,433 |
| Noninterest expense to average assets | 2.7489% | 3,183 |
| Loan and lease loss provision to assets | 0.0198% | 3,845 |
| Net operating income to assets | 0.3714% | 5,106 |
| Return on assets (ROA) | 0.3840% | 5,161 |
| Pretax return on assets | 0.5405% | 5,037 |
| Return on Equity (ROE) | 4.4774% | 4,730 |
| Retained earnings to average equity (ytd only) | 4.4774% | 3,153 |
| Net charge-offs to loans | 0.0006% | 3,942 |
| Credit loss provision to net charge-offs | 4,700.0000% | 113 |
| Earnings coverage of net charge-offs (x) | 1,289.1880% | 48 |
| Efficiency ratio | 83.5149% | 1,025 |
| Assets per employee ($millions) | 6.8641% | 939 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2514% | 2,946 |
| Loan loss allowance to noncurrent loans | 1,017.9153% | 574 |
| Noncurrent assets plus other real estate owned to assets | 0.2139% | 4,575 |
| Noncurrent loans to loans | 0.1229% | 4,851 |
| Net loans and leases to total assets | 76.4386% | 1,451 |
| Net loans and leases to deposits | 92.0967% | 1,484 |
| Net loans and leases to core deposits | 119.5364% | 520 |
| Total domestic deposits to total assets | 82.9982% | 3,597 |
| Equity capital to assets | 8.6274% | 5,451 |
| Core capital (leverage) ratio | 8.5561% | 5,311 |
| Tier 1 risk-based capital ratio | 10.6002% | 5,570 |
| Total risk-based capital ratio | 11.8072% | 5,516 |
| Memoranda: | ||
| Average total assets | $315,996,500 | 2,086 |
| Average earning assets | $299,056,500 | 2,049 |
| Average equity | $27,098,500 | 2,581 |
| Average total loans | $237,414,750 | 1,863 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0828% | 2,930 |
| Cost of funding earning assets | 0.8447% | 389 |
| Net interest margin | 3.2381% | 4,416 |
| Noninterest income to average assets | 0.1982% | 5,311 |
| Noninterest expense to average assets | 2.7674% | 3,144 |
| Loan and lease loss provision to assets | 0.0300% | 3,532 |
| Net operating income to assets | 0.3007% | 5,322 |
| Return on assets (ROA) | 0.3027% | 5,401 |
| Pretax return on assets | 0.4653% | 5,213 |
| Return on Equity (ROE) | 3.5377% | 5,080 |
| Retained earnings to average equity (ytd only) | 3.5377% | 3,640 |
| Net charge-offs to loans | -0.0069% | 4,602 |
| Credit loss provision to net charge-offs | -587.5000% | 4,969 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.9042% | 973 |
| Assets per employee ($millions) | 6.8794% | 916 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3072% | 2,744 |
| Loan loss allowance to noncurrent loans | 1,076.9759% | 552 |
| Noncurrent assets plus other real estate owned to assets | 0.2258% | 4,595 |
| Noncurrent loans to loans | 0.1214% | 4,963 |
| Net loans and leases to total assets | 73.1779% | 1,990 |
| Net loans and leases to deposits | 87.6550% | 2,048 |
| Net loans and leases to core deposits | 111.1550% | 867 |
| Total domestic deposits to total assets | 83.4840% | 3,472 |
| Equity capital to assets | 8.4223% | 5,640 |
| Core capital (leverage) ratio | 8.7427% | 5,115 |
| Tier 1 risk-based capital ratio | 11.0395% | 5,404 |
| Total risk-based capital ratio | 12.2899% | 5,320 |
| Memoranda: | ||
| Average total assets | $313,791,330 | 2,105 |
| Average earning assets | $296,657,330 | 2,074 |
| Average equity | $26,853,670 | 2,603 |
| Average total loans | $233,311,330 | 1,888 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0732% | 2,953 |
| Cost of funding earning assets | 0.8692% | 346 |
| Net interest margin | 3.2040% | 4,565 |
| Noninterest income to average assets | 0.1657% | 5,497 |
| Noninterest expense to average assets | 2.8179% | 3,006 |
| Loan and lease loss provision to assets | 0.0479% | 2,960 |
| Net operating income to assets | 0.2019% | 5,520 |
| Return on assets (ROA) | 0.2019% | 5,582 |
| Pretax return on assets | 0.3249% | 5,459 |
| Return on Equity (ROE) | 2.3402% | 5,417 |
| Retained earnings to average equity (ytd only) | 2.3402% | 4,316 |
| Net charge-offs to loans | -0.0070% | 4,392 |
| Credit loss provision to net charge-offs | -925.0000% | 4,734 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.3164% | 786 |
| Assets per employee ($millions) | 6.7280% | 998 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3468% | 2,673 |
| Loan loss allowance to noncurrent loans | 185.3832% | 2,358 |
| Noncurrent assets plus other real estate owned to assets | 0.6743% | 3,038 |
| Noncurrent loans to loans | 0.7265% | 3,019 |
| Net loans and leases to total assets | 73.8461% | 1,750 |
| Net loans and leases to deposits | 87.4104% | 1,896 |
| Net loans and leases to core deposits | 108.2475% | 960 |
| Total domestic deposits to total assets | 84.4821% | 3,321 |
| Equity capital to assets | 8.6650% | 5,450 |
| Core capital (leverage) ratio | 8.7082% | 5,164 |
| Tier 1 risk-based capital ratio | 11.5945% | 5,175 |
| Total risk-based capital ratio | 12.8456% | 5,078 |
| Memoranda: | ||
| Average total assets | $309,020,000 | 2,137 |
| Average earning assets | $291,760,500 | 2,114 |
| Average equity | $26,664,500 | 2,618 |
| Average total loans | $230,095,500 | 1,916 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2916% | 2,248 |
| Cost of funding earning assets | 0.9126% | 270 |
| Net interest margin | 3.3790% | 3,992 |
| Noninterest income to average assets | 0.1092% | 5,846 |
| Noninterest expense to average assets | 2.8139% | 3,174 |
| Loan and lease loss provision to assets | 0.0148% | 4,109 |
| Net operating income to assets | 0.3272% | 5,280 |
| Return on assets (ROA) | 0.3403% | 5,330 |
| Pretax return on assets | 0.5339% | 5,032 |
| Return on Equity (ROE) | 3.7297% | 5,056 |
| Retained earnings to average equity (ytd only) | 3.7297% | 3,395 |
| Net charge-offs to loans | 0.0320% | 3,580 |
| Credit loss provision to net charge-offs | 59.1549% | 3,276 |
| Earnings coverage of net charge-offs (x) | 21.0563% | 1,835 |
| Efficiency ratio | 84.1933% | 1,163 |
| Assets per employee ($millions) | 6.8567% | 938 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3473% | 2,678 |
| Loan loss allowance to noncurrent loans | 182.2972% | 2,430 |
| Noncurrent assets plus other real estate owned to assets | 0.6333% | 3,168 |
| Noncurrent loans to loans | 0.7391% | 2,958 |
| Net loans and leases to total assets | 73.0662% | 1,878 |
| Net loans and leases to deposits | 86.4030% | 2,075 |
| Net loans and leases to core deposits | 106.2126% | 1,089 |
| Total domestic deposits to total assets | 84.5644% | 3,264 |
| Equity capital to assets | 8.5924% | 5,478 |
| Core capital (leverage) ratio | 8.8239% | 5,081 |
| Tier 1 risk-based capital ratio | 11.7029% | 5,131 |
| Total risk-based capital ratio | 12.9542% | 5,051 |
| Memoranda: | ||
| Average total assets | $282,987,600 | 2,247 |
| Average earning assets | $270,759,200 | 2,193 |
| Average equity | $25,819,800 | 2,633 |
| Average total loans | $221,803,200 | 1,914 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3018% | 2,225 |
| Cost of funding earning assets | 0.9100% | 274 |
| Net interest margin | 3.3918% | 3,997 |
| Noninterest income to average assets | 0.1147% | 5,899 |
| Noninterest expense to average assets | 2.7804% | 3,273 |
| Loan and lease loss provision to assets | 0.0198% | 3,879 |
| Net operating income to assets | 0.3591% | 5,291 |
| Return on assets (ROA) | 0.3770% | 5,324 |
| Pretax return on assets | 0.5982% | 4,974 |
| Return on Equity (ROE) | 4.0654% | 5,005 |
| Retained earnings to average equity (ytd only) | 4.0654% | 3,566 |
| Net charge-offs to loans | 0.0460% | 2,976 |
| Credit loss provision to net charge-offs | 53.9474% | 2,990 |
| Earnings coverage of net charge-offs (x) | 16.1054% | 2,139 |
| Efficiency ratio | 82.4943% | 1,329 |
| Assets per employee ($millions) | 6.6257% | 1,016 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3387% | 2,909 |
| Loan loss allowance to noncurrent loans | 255.0207% | 1,837 |
| Noncurrent assets plus other real estate owned to assets | 0.4929% | 3,848 |
| Noncurrent loans to loans | 0.5249% | 3,767 |
| Net loans and leases to total assets | 77.6847% | 1,152 |
| Net loans and leases to deposits | 92.7967% | 1,328 |
| Net loans and leases to core deposits | 116.1702% | 584 |
| Total domestic deposits to total assets | 83.7149% | 3,532 |
| Equity capital to assets | 9.0604% | 5,259 |
| Core capital (leverage) ratio | 9.1606% | 4,789 |
| Tier 1 risk-based capital ratio | 11.8245% | 5,181 |
| Total risk-based capital ratio | 13.0761% | 5,107 |
| Memoranda: | ||
| Average total assets | $276,596,250 | 2,311 |
| Average earning assets | $265,493,250 | 2,249 |
| Average equity | $25,646,750 | 2,662 |
| Average total loans | $220,122,250 | 1,929 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2841% | 2,217 |
| Cost of funding earning assets | 0.8915% | 301 |
| Net interest margin | 3.3926% | 3,931 |
| Noninterest income to average assets | 0.1060% | 6,005 |
| Noninterest expense to average assets | 2.7627% | 3,372 |
| Loan and lease loss provision to assets | 0.1775% | 1,162 |
| Net operating income to assets | 0.2629% | 5,544 |
| Return on assets (ROA) | 0.2629% | 5,628 |
| Pretax return on assets | 0.4249% | 5,415 |
| Return on Equity (ROE) | 2.8120% | 5,470 |
| Retained earnings to average equity (ytd only) | 2.8120% | 4,256 |
| Net charge-offs to loans | 0.0756% | 2,315 |
| Credit loss provision to net charge-offs | 293.9024% | 938 |
| Earnings coverage of net charge-offs (x) | 9.9756% | 2,405 |
| Efficiency ratio | 82.1007% | 1,477 |
| Assets per employee ($millions) | 6.5816% | 1,017 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4159% | 2,683 |
| Loan loss allowance to noncurrent loans | 182.0056% | 2,404 |
| Noncurrent assets plus other real estate owned to assets | 0.7092% | 3,267 |
| Noncurrent loans to loans | 0.7779% | 3,162 |
| Net loans and leases to total assets | 80.3762% | 758 |
| Net loans and leases to deposits | 96.3272% | 934 |
| Net loans and leases to core deposits | 121.4118% | 433 |
| Total domestic deposits to total assets | 83.4408% | 3,781 |
| Equity capital to assets | 9.1570% | 5,078 |
| Core capital (leverage) ratio | 9.4014% | 4,414 |
| Tier 1 risk-based capital ratio | 11.6401% | 5,378 |
| Total risk-based capital ratio | 12.8926% | 5,296 |
| Memoranda: | ||
| Average total assets | $271,618,000 | 2,356 |
| Average earning assets | $260,919,330 | 2,290 |
| Average equity | $25,391,000 | 2,690 |
| Average total loans | $216,980,330 | 1,960 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2407% | 2,312 |
| Cost of funding earning assets | 0.8735% | 327 |
| Net interest margin | 3.3672% | 3,962 |
| Noninterest income to average assets | 0.0827% | 6,142 |
| Noninterest expense to average assets | 2.7015% | 3,586 |
| Loan and lease loss provision to assets | 0.2332% | 740 |
| Net operating income to assets | 0.2422% | 5,581 |
| Return on assets (ROA) | 0.2422% | 5,673 |
| Pretax return on assets | 0.3896% | 5,448 |
| Return on Equity (ROE) | 2.5628% | 5,518 |
| Retained earnings to average equity (ytd only) | 2.5628% | 4,402 |
| Net charge-offs to loans | -0.0095% | 4,700 |
| Credit loss provision to net charge-offs | -3,100.0000% | 5,212 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.2670% | 1,718 |
| Assets per employee ($millions) | 6.2027% | 1,257 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5201% | 2,368 |
| Loan loss allowance to noncurrent loans | 227.4182% | 1,998 |
| Noncurrent assets plus other real estate owned to assets | 0.5388% | 3,882 |
| Noncurrent loans to loans | 0.6684% | 3,611 |
| Net loans and leases to total assets | 79.3771% | 761 |
| Net loans and leases to deposits | 92.1224% | 1,167 |
| Net loans and leases to core deposits | 115.7642% | 528 |
| Total domestic deposits to total assets | 86.1648% | 2,854 |
| Equity capital to assets | 9.6776% | 4,537 |
| Core capital (leverage) ratio | 9.6773% | 4,043 |
| Tier 1 risk-based capital ratio | 12.3021% | 5,041 |
| Total risk-based capital ratio | 13.5562% | 4,955 |
| Memoranda: | ||
| Average total assets | $265,923,000 | 2,420 |
| Average earning assets | $255,996,000 | 2,340 |
| Average equity | $25,129,000 | 2,737 |
| Average total loans | $210,101,500 | 2,012 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3622% | 2,366 |
| Cost of funding earning assets | 0.9237% | 338 |
| Net interest margin | 3.4385% | 4,029 |
| Noninterest income to average assets | 0.0845% | 6,207 |
| Noninterest expense to average assets | 2.7215% | 3,783 |
| Loan and lease loss provision to assets | 0.0423% | 3,730 |
| Net operating income to assets | 0.4014% | 5,219 |
| Return on assets (ROA) | 0.4063% | 5,261 |
| Pretax return on assets | 0.6455% | 4,797 |
| Return on Equity (ROE) | 4.7140% | 4,796 |
| Retained earnings to average equity (ytd only) | 4.7140% | 2,823 |
| Net charge-offs to loans | -0.0396% | 5,859 |
| Credit loss provision to net charge-offs | -135.8974% | 5,568 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.0047% | 1,928 |
| Assets per employee ($millions) | 6.6282% | 993 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5145% | 2,408 |
| Loan loss allowance to noncurrent loans | 253.9216% | 1,878 |
| Noncurrent assets plus other real estate owned to assets | 0.4617% | 4,274 |
| Noncurrent loans to loans | 0.5964% | 3,880 |
| Net loans and leases to total assets | 76.2326% | 1,227 |
| Net loans and leases to deposits | 88.0218% | 1,730 |
| Net loans and leases to core deposits | 108.6594% | 850 |
| Total domestic deposits to total assets | 86.6065% | 2,503 |
| Equity capital to assets | 9.2205% | 5,044 |
| Core capital (leverage) ratio | 9.4010% | 4,384 |
| Tier 1 risk-based capital ratio | 12.6477% | 4,945 |
| Total risk-based capital ratio | 13.9021% | 4,857 |
| Memoranda: | ||
| Average total assets | $250,813,800 | 2,519 |
| Average earning assets | $241,964,600 | 2,415 |
| Average equity | $21,616,600 | 2,985 |
| Average total loans | $197,146,600 | 2,059 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3762% | 2,319 |
| Cost of funding earning assets | 0.9346% | 334 |
| Net interest margin | 3.4416% | 4,057 |
| Noninterest income to average assets | 0.0836% | 6,299 |
| Noninterest expense to average assets | 2.6926% | 3,850 |
| Loan and lease loss provision to assets | 0.0723% | 2,902 |
| Net operating income to assets | 0.4044% | 5,237 |
| Return on assets (ROA) | 0.4109% | 5,284 |
| Pretax return on assets | 0.6493% | 4,875 |
| Return on Equity (ROE) | 4.8589% | 4,791 |
| Retained earnings to average equity (ytd only) | 4.8589% | 3,178 |
| Net charge-offs to loans | -0.0533% | 5,932 |
| Credit loss provision to net charge-offs | -171.7949% | 5,536 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1033% | 2,038 |
| Assets per employee ($millions) | 6.8141% | 867 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5599% | 2,457 |
| Loan loss allowance to noncurrent loans | 186.0024% | 2,280 |
| Noncurrent assets plus other real estate owned to assets | 0.6511% | 3,886 |
| Noncurrent loans to loans | 0.8386% | 3,478 |
| Net loans and leases to total assets | 76.4315% | 1,167 |
| Net loans and leases to deposits | 87.4233% | 1,740 |
| Net loans and leases to core deposits | 107.7062% | 865 |
| Total domestic deposits to total assets | 87.4270% | 2,077 |
| Equity capital to assets | 8.2805% | 5,961 |
| Core capital (leverage) ratio | 8.4928% | 5,664 |
| Tier 1 risk-based capital ratio | 11.3482% | 5,863 |
| Total risk-based capital ratio | 12.6031% | 5,794 |
| Memoranda: | ||
| Average total assets | $247,235,250 | 2,563 |
| Average earning assets | $238,528,000 | 2,455 |
| Average equity | $20,909,250 | 3,072 |
| Average total loans | $195,127,750 | 2,087 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3784% | 2,260 |
| Cost of funding earning assets | 0.9241% | 376 |
| Net interest margin | 3.4544% | 3,967 |
| Noninterest income to average assets | 0.0814% | 6,346 |
| Noninterest expense to average assets | 2.7592% | 3,663 |
| Loan and lease loss provision to assets | 0.1068% | 2,228 |
| Net operating income to assets | 0.3556% | 5,392 |
| Return on assets (ROA) | 0.3658% | 5,417 |
| Pretax return on assets | 0.5647% | 5,076 |
| Return on Equity (ROE) | 4.2929% | 5,024 |
| Retained earnings to average equity (ytd only) | 4.2929% | 3,441 |
| Net charge-offs to loans | -0.0766% | 6,061 |
| Credit loss provision to net charge-offs | -175.6757% | 5,371 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.7942% | 1,906 |
| Assets per employee ($millions) | 6.9602% | 813 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5600% | 2,628 |
| Loan loss allowance to noncurrent loans | 160.4926% | 2,576 |
| Noncurrent assets plus other real estate owned to assets | 0.8118% | 3,534 |
| Noncurrent loans to loans | 0.9720% | 3,291 |
| Net loans and leases to total assets | 78.7768% | 817 |
| Net loans and leases to deposits | 90.3187% | 1,341 |
| Net loans and leases to core deposits | 112.0059% | 600 |
| Total domestic deposits to total assets | 87.2209% | 2,338 |
| Equity capital to assets | 8.4313% | 5,856 |
| Core capital (leverage) ratio | 8.6622% | 5,453 |
| Tier 1 risk-based capital ratio | 11.2837% | 5,912 |
| Total risk-based capital ratio | 12.5388% | 5,854 |
| Memoranda: | ||
| Average total assets | $243,335,330 | 2,605 |
| Average earning assets | $234,833,670 | 2,492 |
| Average equity | $20,732,000 | 3,093 |
| Average total loans | $193,155,670 | 2,105 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3894% | 2,175 |
| Cost of funding earning assets | 0.9274% | 395 |
| Net interest margin | 3.4620% | 3,853 |
| Noninterest income to average assets | 0.0751% | 6,414 |
| Noninterest expense to average assets | 2.6181% | 4,213 |
| Loan and lease loss provision to assets | 0.0217% | 3,547 |
| Net operating income to assets | 0.5147% | 4,614 |
| Return on assets (ROA) | 0.5356% | 4,600 |
| Pretax return on assets | 0.8059% | 4,084 |
| Return on Equity (ROE) | 6.2527% | 3,879 |
| Retained earnings to average equity (ytd only) | 6.2527% | 2,403 |
| Net charge-offs to loans | -0.1056% | 6,137 |
| Credit loss provision to net charge-offs | -26.0000% | 4,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6862% | 2,696 |
| Assets per employee ($millions) | 6.5728% | 977 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5500% | 2,928 |
| Loan loss allowance to noncurrent loans | 195.2288% | 2,138 |
| Noncurrent assets plus other real estate owned to assets | 0.6641% | 4,129 |
| Noncurrent loans to loans | 0.7939% | 3,884 |
| Net loans and leases to total assets | 78.0149% | 770 |
| Net loans and leases to deposits | 86.1486% | 1,591 |
| Net loans and leases to core deposits | 105.5999% | 772 |
| Total domestic deposits to total assets | 90.5585% | 767 |
| Equity capital to assets | 8.5406% | 5,614 |
| Core capital (leverage) ratio | 8.8315% | 5,229 |
| Tier 1 risk-based capital ratio | 11.5853% | 5,870 |
| Total risk-based capital ratio | 12.8404% | 5,816 |
| Memoranda: | ||
| Average total assets | $239,720,000 | 2,648 |
| Average earning assets | $231,195,000 | 2,542 |
| Average equity | $20,535,000 | 3,114 |
| Average total loans | $189,475,500 | 2,139 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4972% | 2,217 |
| Cost of funding earning assets | 0.9867% | 478 |
| Net interest margin | 3.5105% | 3,848 |
| Noninterest income to average assets | 0.0920% | 6,413 |
| Noninterest expense to average assets | 2.7319% | 3,986 |
| Loan and lease loss provision to assets | 0.2427% | 1,488 |
| Net operating income to assets | 0.3115% | 5,483 |
| Return on assets (ROA) | 0.3188% | 5,555 |
| Pretax return on assets | 0.5150% | 5,164 |
| Return on Equity (ROE) | 3.4697% | 5,333 |
| Retained earnings to average equity (ytd only) | 3.4697% | 3,759 |
| Net charge-offs to loans | 0.0730% | 4,188 |
| Credit loss provision to net charge-offs | 419.6850% | 546 |
| Earnings coverage of net charge-offs (x) | 12.9055% | 2,085 |
| Efficiency ratio | 78.5415% | 2,380 |
| Assets per employee ($millions) | 5.9062% | 1,332 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5700% | 2,884 |
| Loan loss allowance to noncurrent loans | 216.1123% | 1,969 |
| Noncurrent assets plus other real estate owned to assets | 0.5727% | 4,517 |
| Noncurrent loans to loans | 0.7265% | 4,148 |
| Net loans and leases to total assets | 77.5939% | 872 |
| Net loans and leases to deposits | 85.7188% | 1,721 |
| Net loans and leases to core deposits | 105.6741% | 811 |
| Total domestic deposits to total assets | 90.5214% | 798 |
| Equity capital to assets | 8.5927% | 5,482 |
| Core capital (leverage) ratio | 8.6783% | 5,438 |
| Tier 1 risk-based capital ratio | 11.6231% | 5,841 |
| Total risk-based capital ratio | 12.8783% | 5,777 |
| Memoranda: | ||
| Average total assets | $219,590,800 | 2,811 |
| Average earning assets | $211,819,600 | 2,702 |
| Average equity | $20,174,600 | 3,138 |
| Average total loans | $173,970,800 | 2,259 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5270% | 2,131 |
| Cost of funding earning assets | 0.9934% | 508 |
| Net interest margin | 3.5336% | 3,741 |
| Noninterest income to average assets | 0.0941% | 6,496 |
| Noninterest expense to average assets | 2.6966% | 4,030 |
| Loan and lease loss provision to assets | 0.3361% | 974 |
| Net operating income to assets | 0.2884% | 5,656 |
| Return on assets (ROA) | 0.2884% | 5,764 |
| Pretax return on assets | 0.4648% | 5,463 |
| Return on Equity (ROE) | 3.0845% | 5,576 |
| Retained earnings to average equity (ytd only) | 3.0845% | 4,474 |
| Net charge-offs to loans | 0.0921% | 3,643 |
| Credit loss provision to net charge-offs | 460.1695% | 580 |
| Earnings coverage of net charge-offs (x) | 10.9661% | 2,296 |
| Efficiency ratio | 77.1014% | 2,543 |
| Assets per employee ($millions) | 6.1360% | 1,142 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6114% | 2,960 |
| Loan loss allowance to noncurrent loans | 478.5366% | 919 |
| Noncurrent assets plus other real estate owned to assets | 0.2709% | 5,633 |
| Noncurrent loans to loans | 0.3367% | 5,380 |
| Net loans and leases to total assets | 79.1478% | 634 |
| Net loans and leases to deposits | 87.7234% | 1,399 |
| Net loans and leases to core deposits | 108.3527% | 653 |
| Total domestic deposits to total assets | 90.2242% | 880 |
| Equity capital to assets | 8.8684% | 5,335 |
| Core capital (leverage) ratio | 8.8649% | 5,298 |
| Tier 1 risk-based capital ratio | 11.5517% | 6,033 |
| Total risk-based capital ratio | 12.8080% | 5,999 |
| Memoranda: | ||
| Average total assets | $215,426,500 | 2,882 |
| Average earning assets | $207,488,750 | 2,769 |
| Average equity | $20,143,250 | 3,174 |
| Average total loans | $170,904,000 | 2,302 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5402% | 2,057 |
| Cost of funding earning assets | 1.0017% | 542 |
| Net interest margin | 3.5385% | 3,619 |
| Noninterest income to average assets | 0.0964% | 6,538 |
| Noninterest expense to average assets | 2.7482% | 3,862 |
| Loan and lease loss provision to assets | 0.3677% | 893 |
| Net operating income to assets | 0.2363% | 5,805 |
| Return on assets (ROA) | 0.2363% | 5,928 |
| Pretax return on assets | 0.3867% | 5,665 |
| Return on Equity (ROE) | 2.4818% | 5,805 |
| Retained earnings to average equity (ytd only) | 2.4818% | 4,725 |
| Net charge-offs to loans | 0.0012% | 4,893 |
| Credit loss provision to net charge-offs | 38,900.0000% | 5 |
| Earnings coverage of net charge-offs (x) | 798.0000% | 42 |
| Efficiency ratio | 78.4615% | 2,384 |
| Assets per employee ($millions) | 6.6066% | 861 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7099% | 2,744 |
| Loan loss allowance to noncurrent loans | 417.5287% | 1,016 |
| Noncurrent assets plus other real estate owned to assets | 0.3192% | 5,518 |
| Noncurrent loans to loans | 0.4095% | 5,237 |
| Net loans and leases to total assets | 76.6211% | 908 |
| Net loans and leases to deposits | 85.1477% | 1,663 |
| Net loans and leases to core deposits | 104.7185% | 808 |
| Total domestic deposits to total assets | 89.9861% | 1,030 |
| Equity capital to assets | 9.1566% | 5,038 |
| Core capital (leverage) ratio | 9.0314% | 4,937 |
| Tier 1 risk-based capital ratio | 12.3555% | 5,596 |
| Total risk-based capital ratio | 13.6127% | 5,539 |
| Memoranda: | ||
| Average total assets | $211,558,330 | 2,943 |
| Average earning assets | $203,648,330 | 2,830 |
| Average equity | $20,146,330 | 3,192 |
| Average total loans | $166,994,330 | 2,341 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5512% | 1,984 |
| Cost of funding earning assets | 1.0109% | 587 |
| Net interest margin | 3.5403% | 3,524 |
| Noninterest income to average assets | 0.1018% | 6,570 |
| Noninterest expense to average assets | 2.7284% | 3,951 |
| Loan and lease loss provision to assets | 0.1786% | 2,082 |
| Net operating income to assets | 0.3840% | 5,190 |
| Return on assets (ROA) | 0.3840% | 5,335 |
| Pretax return on assets | 0.6106% | 4,911 |
| Return on Equity (ROE) | 3.9530% | 5,116 |
| Retained earnings to average equity (ytd only) | 3.9530% | 3,864 |
| Net charge-offs to loans | 0.0024% | 4,121 |
| Credit loss provision to net charge-offs | 9,300.0000% | 20 |
| Earnings coverage of net charge-offs (x) | 411.0000% | 80 |
| Efficiency ratio | 77.5655% | 2,682 |
| Assets per employee ($millions) | 6.4801% | 991 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5675% | 3,538 |
| Loan loss allowance to noncurrent loans | 263.3703% | 1,495 |
| Noncurrent assets plus other real estate owned to assets | 0.4779% | 5,184 |
| Noncurrent loans to loans | 0.5952% | 4,950 |
| Net loans and leases to total assets | 79.0398% | 513 |
| Net loans and leases to deposits | 88.7347% | 1,079 |
| Net loans and leases to core deposits | 106.1082% | 641 |
| Total domestic deposits to total assets | 89.0743% | 1,641 |
| Equity capital to assets | 9.8059% | 4,410 |
| Core capital (leverage) ratio | 9.3601% | 4,304 |
| Tier 1 risk-based capital ratio | 12.9404% | 5,271 |
| Total risk-based capital ratio | 14.1966% | 5,211 |
| Memoranda: | ||
| Average total assets | $208,329,000 | 2,993 |
| Average earning assets | $201,001,000 | 2,891 |
| Average equity | $20,238,000 | 3,227 |
| Average total loans | $165,515,000 | 2,372 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6726% | 2,698 |
| Cost of funding earning assets | 1.1617% | 690 |
| Net interest margin | 3.5109% | 4,454 |
| Noninterest income to average assets | 0.0866% | 6,558 |
| Noninterest expense to average assets | 2.5241% | 5,015 |
| Loan and lease loss provision to assets | 0.2059% | 3,080 |
| Net operating income to assets | 0.4756% | 4,777 |
| Return on assets (ROA) | 0.5437% | 4,758 |
| Pretax return on assets | 0.8457% | 4,126 |
| Return on Equity (ROE) | 5.5729% | 4,385 |
| Retained earnings to average equity (ytd only) | 5.5729% | 2,335 |
| Net charge-offs to loans | 0.1507% | 4,183 |
| Credit loss provision to net charge-offs | 177.6824% | 1,480 |
| Earnings coverage of net charge-offs (x) | 8.1545% | 2,463 |
| Efficiency ratio | 72.7560% | 3,279 |
| Assets per employee ($millions) | 6.7514% | 872 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5305% | 3,614 |
| Loan loss allowance to noncurrent loans | 257.9918% | 1,483 |
| Noncurrent assets plus other real estate owned to assets | 0.4926% | 5,239 |
| Noncurrent loans to loans | 0.5932% | 5,043 |
| Net loans and leases to total assets | 77.4040% | 741 |
| Net loans and leases to deposits | 86.5927% | 1,432 |
| Net loans and leases to core deposits | 103.1952% | 826 |
| Total domestic deposits to total assets | 89.3886% | 1,312 |
| Equity capital to assets | 9.6238% | 4,700 |
| Core capital (leverage) ratio | 9.1601% | 4,644 |
| Tier 1 risk-based capital ratio | 12.9111% | 5,176 |
| Total risk-based capital ratio | 14.1662% | 5,110 |
| Memoranda: | ||
| Average total assets | $201,025,600 | 3,025 |
| Average earning assets | $193,681,400 | 2,918 |
| Average equity | $19,612,800 | 3,245 |
| Average total loans | $154,662,800 | 2,508 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6848% | 2,861 |
| Cost of funding earning assets | 1.1850% | 740 |
| Net interest margin | 3.4999% | 4,646 |
| Noninterest income to average assets | 0.0871% | 6,664 |
| Noninterest expense to average assets | 2.4400% | 5,272 |
| Loan and lease loss provision to assets | 0.1917% | 3,190 |
| Net operating income to assets | 0.5335% | 4,689 |
| Return on assets (ROA) | 0.6252% | 4,519 |
| Pretax return on assets | 0.9697% | 3,824 |
| Return on Equity (ROE) | 6.3857% | 4,123 |
| Retained earnings to average equity (ytd only) | 6.3857% | 2,442 |
| Net charge-offs to loans | 0.0166% | 5,453 |
| Credit loss provision to net charge-offs | 1,505.2632% | 180 |
| Earnings coverage of net charge-offs (x) | 79.9558% | 517 |
| Efficiency ratio | 70.5620% | 3,581 |
| Assets per employee ($millions) | 7.2197% | 662 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6082% | 3,487 |
| Loan loss allowance to noncurrent loans | 334.7044% | 1,116 |
| Noncurrent assets plus other real estate owned to assets | 0.3716% | 5,775 |
| Noncurrent loans to loans | 0.4805% | 5,491 |
| Net loans and leases to total assets | 76.0945% | 962 |
| Net loans and leases to deposits | 85.1941% | 1,702 |
| Net loans and leases to core deposits | 101.4273% | 1,028 |
| Total domestic deposits to total assets | 89.3189% | 1,233 |
| Equity capital to assets | 9.6112% | 5,039 |
| Core capital (leverage) ratio | 9.4096% | 4,422 |
| Tier 1 risk-based capital ratio | 13.0481% | 5,208 |
| Total risk-based capital ratio | 14.3047% | 5,160 |
| Memoranda: | ||
| Average total assets | $198,958,500 | 3,094 |
| Average earning assets | $191,620,250 | 2,967 |
| Average equity | $19,480,500 | 3,294 |
| Average total loans | $152,198,500 | 2,572 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7379% | 2,766 |
| Cost of funding earning assets | 1.2140% | 771 |
| Net interest margin | 3.5239% | 4,576 |
| Noninterest income to average assets | 0.0849% | 6,735 |
| Noninterest expense to average assets | 2.4360% | 5,342 |
| Loan and lease loss provision to assets | 0.1698% | 3,404 |
| Net operating income to assets | 0.5594% | 4,542 |
| Return on assets (ROA) | 0.6824% | 4,229 |
| Pretax return on assets | 1.0568% | 3,480 |
| Return on Equity (ROE) | 6.9240% | 3,822 |
| Retained earnings to average equity (ytd only) | 6.9240% | 2,147 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1325% | 3,749 |
| Assets per employee ($millions) | 7.1403% | 687 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5959% | 3,620 |
| Loan loss allowance to noncurrent loans | 306.7402% | 1,169 |
| Noncurrent assets plus other real estate owned to assets | 0.4081% | 5,763 |
| Noncurrent loans to loans | 0.5203% | 5,485 |
| Net loans and leases to total assets | 77.1969% | 815 |
| Net loans and leases to deposits | 86.8126% | 1,499 |
| Net loans and leases to core deposits | 103.8271% | 871 |
| Total domestic deposits to total assets | 88.9236% | 1,555 |
| Equity capital to assets | 9.8685% | 4,519 |
| Core capital (leverage) ratio | 9.6466% | 3,928 |
| Tier 1 risk-based capital ratio | 13.2555% | 4,996 |
| Total risk-based capital ratio | 14.5117% | 4,962 |
| Memoranda: | ||
| Average total assets | $195,488,000 | 3,145 |
| Average earning assets | $187,973,000 | 3,017 |
| Average equity | $19,266,330 | 3,315 |
| Average total loans | $148,957,000 | 2,634 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6128% | 3,447 |
| Cost of funding earning assets | 1.2301% | 851 |
| Net interest margin | 3.3827% | 5,185 |
| Noninterest income to average assets | 0.0828% | 6,816 |
| Noninterest expense to average assets | 2.4898% | 5,181 |
| Loan and lease loss provision to assets | 0.0786% | 4,419 |
| Net operating income to assets | 0.4962% | 4,846 |
| Return on assets (ROA) | 0.7451% | 3,887 |
| Pretax return on assets | 1.1528% | 3,102 |
| Return on Equity (ROE) | 7.5652% | 3,468 |
| Retained earnings to average equity (ytd only) | 7.5652% | 2,144 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5815% | 3,010 |
| Assets per employee ($millions) | 6.9684% | 763 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6007% | 3,715 |
| Loan loss allowance to noncurrent loans | 496.8619% | 692 |
| Noncurrent assets plus other real estate owned to assets | 0.2450% | 6,274 |
| Noncurrent loans to loans | 0.3222% | 6,033 |
| Net loans and leases to total assets | 74.8291% | 944 |
| Net loans and leases to deposits | 84.0488% | 1,659 |
| Net loans and leases to core deposits | 100.0747% | 982 |
| Total domestic deposits to total assets | 89.0305% | 1,678 |
| Equity capital to assets | 9.8373% | 4,323 |
| Core capital (leverage) ratio | 9.6846% | 3,787 |
| Tier 1 risk-based capital ratio | 13.6432% | 4,719 |
| Total risk-based capital ratio | 14.8993% | 4,702 |
| Memoranda: | ||
| Average total assets | $193,267,500 | 3,193 |
| Average earning assets | $186,006,000 | 3,070 |
| Average equity | $19,034,500 | 3,344 |
| Average total loans | $145,014,500 | 2,701 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9306% | 3,205 |
| Cost of funding earning assets | 1.3013% | 1,482 |
| Net interest margin | 3.6293% | 4,613 |
| Noninterest income to average assets | 0.0969% | 6,650 |
| Noninterest expense to average assets | 2.7462% | 4,568 |
| Loan and lease loss provision to assets | 0.3207% | 3,118 |
| Net operating income to assets | 1.2542% | 1,369 |
| Return on assets (ROA) | 1.3005% | 1,351 |
| Pretax return on assets | 0.5640% | 4,798 |
| Return on Equity (ROE) | 11.9516% | 1,415 |
| Retained earnings to average equity (ytd only) | 11.9516% | 306 |
| Net charge-offs to loans | 0.0300% | 6,026 |
| Credit loss provision to net charge-offs | 1,384.2105% | 160 |
| Earnings coverage of net charge-offs (x) | 36.1842% | 726 |
| Efficiency ratio | 76.6117% | 2,810 |
| Assets per employee ($millions) | 6.8365% | 801 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6498% | 3,378 |
| Loan loss allowance to noncurrent loans | 478.8934% | 715 |
| Noncurrent assets plus other real estate owned to assets | 0.2549% | 6,333 |
| Noncurrent loans to loans | 0.3445% | 6,038 |
| Net loans and leases to total assets | 72.7794% | 1,497 |
| Net loans and leases to deposits | 81.7274% | 2,242 |
| Net loans and leases to core deposits | 96.7438% | 1,434 |
| Total domestic deposits to total assets | 89.0514% | 1,508 |
| Equity capital to assets | 9.8605% | 4,355 |
| Core capital (leverage) ratio | 9.5549% | 3,938 |
| Tier 1 risk-based capital ratio | 13.9199% | 4,379 |
| Total risk-based capital ratio | 15.1765% | 4,339 |
| Memoranda: | ||
| Average total assets | $164,007,800 | 3,576 |
| Average earning assets | $157,606,800 | 3,446 |
| Average equity | $17,847,000 | 3,448 |
| Average total loans | $126,484,200 | 3,052 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9781% | 3,199 |
| Cost of funding earning assets | 1.3103% | 1,650 |
| Net interest margin | 3.6679% | 4,490 |
| Noninterest income to average assets | 0.1001% | 6,750 |
| Noninterest expense to average assets | 2.7997% | 4,345 |
| Loan and lease loss provision to assets | 0.3165% | 3,001 |
| Net operating income to assets | 1.6154% | 754 |
| Return on assets (ROA) | 1.6798% | 726 |
| Pretax return on assets | 0.5752% | 4,896 |
| Return on Equity (ROE) | 15.0081% | 838 |
| Retained earnings to average equity (ytd only) | 15.0081% | 230 |
| Net charge-offs to loans | 0.0413% | 5,577 |
| Credit loss provision to net charge-offs | 981.5789% | 268 |
| Earnings coverage of net charge-offs (x) | 25.6556% | 1,041 |
| Efficiency ratio | 77.1930% | 2,651 |
| Assets per employee ($millions) | 6.5318% | 933 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5821% | 3,745 |
| Loan loss allowance to noncurrent loans | 659.8187% | 524 |
| Noncurrent assets plus other real estate owned to assets | 0.1810% | 6,601 |
| Noncurrent loans to loans | 0.2398% | 6,395 |
| Net loans and leases to total assets | 74.2836% | 1,283 |
| Net loans and leases to deposits | 83.9075% | 2,020 |
| Net loans and leases to core deposits | 98.8123% | 1,359 |
| Total domestic deposits to total assets | 88.5303% | 1,740 |
| Equity capital to assets | 10.2936% | 3,965 |
| Core capital (leverage) ratio | 10.3595% | 3,023 |
| Tier 1 risk-based capital ratio | 14.1538% | 4,231 |
| Total risk-based capital ratio | 15.4099% | 4,201 |
| Memoranda: | ||
| Average total assets | $157,154,500 | 3,704 |
| Average earning assets | $151,111,000 | 3,586 |
| Average equity | $17,590,000 | 3,486 |
| Average total loans | $122,692,250 | 3,153 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0867% | 2,745 |
| Cost of funding earning assets | 1.3220% | 1,810 |
| Net interest margin | 3.7647% | 3,967 |
| Noninterest income to average assets | 0.1037% | 6,806 |
| Noninterest expense to average assets | 3.0247% | 3,544 |
| Loan and lease loss provision to assets | 0.2019% | 3,905 |
| Net operating income to assets | 2.3974% | 192 |
| Return on assets (ROA) | 2.4230% | 189 |
| Pretax return on assets | 0.5250% | 4,981 |
| Return on Equity (ROE) | 20.9570% | 271 |
| Retained earnings to average equity (ytd only) | 20.9570% | 82 |
| Net charge-offs to loans | 0.0646% | 4,993 |
| Credit loss provision to net charge-offs | 394.7368% | 764 |
| Earnings coverage of net charge-offs (x) | 13.7105% | 1,526 |
| Efficiency ratio | 81.1777% | 2,219 |
| Assets per employee ($millions) | 5.6275% | 1,464 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5409% | 3,938 |
| Loan loss allowance to noncurrent loans | 575.0733% | 589 |
| Noncurrent assets plus other real estate owned to assets | 0.2164% | 6,576 |
| Noncurrent loans to loans | 0.2679% | 6,391 |
| Net loans and leases to total assets | 79.5215% | 582 |
| Net loans and leases to deposits | 91.3826% | 1,120 |
| Net loans and leases to core deposits | 102.2965% | 1,160 |
| Total domestic deposits to total assets | 87.0204% | 2,727 |
| Equity capital to assets | 11.7288% | 2,305 |
| Core capital (leverage) ratio | 11.3644% | 2,000 |
| Tier 1 risk-based capital ratio | 15.0409% | 3,472 |
| Total risk-based capital ratio | 16.2968% | 3,440 |
| Memoranda: | ||
| Average total assets | $148,575,670 | 3,871 |
| Average earning assets | $142,960,330 | 3,744 |
| Average equity | $17,178,000 | 3,542 |
| Average total loans | $117,575,670 | 3,274 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9516% | 3,324 |
| Cost of funding earning assets | 1.3277% | 2,019 |
| Net interest margin | 3.6239% | 4,462 |
| Noninterest income to average assets | 0.0972% | 6,927 |
| Noninterest expense to average assets | 3.0289% | 3,524 |
| Loan and lease loss provision to assets | 0.2943% | 2,804 |
| Net operating income to assets | 0.2749% | 5,522 |
| Return on assets (ROA) | 0.3276% | 5,356 |
| Pretax return on assets | 0.3276% | 5,573 |
| Return on Equity (ROE) | 2.8560% | 5,446 |
| Retained earnings to average equity (ytd only) | 2.8560% | 4,454 |
| Net charge-offs to loans | 0.1277% | 3,753 |
| Credit loss provision to net charge-offs | 294.4444% | 1,090 |
| Earnings coverage of net charge-offs (x) | 5.6944% | 2,227 |
| Efficiency ratio | 84.1821% | 1,938 |
| Assets per employee ($millions) | 5.4486% | 1,620 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6306% | 3,601 |
| Loan loss allowance to noncurrent loans | 543.6261% | 601 |
| Noncurrent assets plus other real estate owned to assets | 0.2400% | 6,574 |
| Noncurrent loans to loans | 0.3000% | 6,388 |
| Net loans and leases to total assets | 78.6936% | 656 |
| Net loans and leases to deposits | 90.1682% | 1,211 |
| Net loans and leases to core deposits | 99.9344% | 1,346 |
| Total domestic deposits to total assets | 87.2742% | 2,782 |
| Equity capital to assets | 11.3064% | 2,409 |
| Core capital (leverage) ratio | 11.5210% | 1,835 |
| Tier 1 risk-based capital ratio | 15.3724% | 3,225 |
| Total risk-based capital ratio | 16.6289% | 3,183 |
| Memoranda: | ||
| Average total assets | $144,078,500 | 3,990 |
| Average earning assets | $139,188,500 | 3,837 |
| Average equity | $16,526,500 | 3,634 |
| Average total loans | $112,732,000 | 3,423 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7945% | 5,430 |
| Cost of funding earning assets | 1.7311% | 1,460 |
| Net interest margin | 3.0633% | 6,611 |
| Noninterest income to average assets | 0.1006% | 6,893 |
| Noninterest expense to average assets | 3.1231% | 3,375 |
| Loan and lease loss provision to assets | 0.8029% | 2,029 |
| Net operating income to assets | -0.8652% | 6,610 |
| Return on assets (ROA) | -0.7311% | 6,570 |
| Pretax return on assets | -0.7311% | 6,476 |
| Return on Equity (ROE) | -5.3636% | 6,464 |
| Retained earnings to average equity (ytd only) | -5.3636% | 6,337 |
| Net charge-offs to loans | 0.0071% | 6,769 |
| Credit loss provision to net charge-offs | 16,766.6667% | 7 |
| Earnings coverage of net charge-offs (x) | -13.0000% | 6,803 |
| Efficiency ratio | 102.0339% | 721 |
| Assets per employee ($millions) | 6.1324% | 1,125 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7156% | 3,153 |
| Loan loss allowance to noncurrent loans | 352.1905% | 885 |
| Noncurrent assets plus other real estate owned to assets | 0.3722% | 6,337 |
| Noncurrent loans to loans | 0.4871% | 6,064 |
| Net loans and leases to total assets | 75.1024% | 1,457 |
| Net loans and leases to deposits | 89.1268% | 1,628 |
| Net loans and leases to core deposits | 97.7999% | 1,813 |
| Total domestic deposits to total assets | 84.2647% | 4,235 |
| Equity capital to assets | 11.6416% | 2,164 |
| Core capital (leverage) ratio | 11.7308% | 1,709 |
| Tier 1 risk-based capital ratio | 16.4805% | 2,525 |
| Total risk-based capital ratio | 17.7378% | 2,495 |
| Memoranda: | ||
| Average total assets | $125,292,000 | 4,366 |
| Average earning assets | $121,077,000 | 4,208 |
| Average equity | $17,078,200 | 3,578 |
| Average total loans | $84,666,800 | 4,190 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7367% | 5,896 |
| Cost of funding earning assets | 1.7973% | 1,429 |
| Net interest margin | 2.9394% | 6,944 |
| Noninterest income to average assets | 0.0945% | 7,072 |
| Noninterest expense to average assets | 3.0654% | 3,511 |
| Loan and lease loss provision to assets | 0.7724% | 1,975 |
| Net operating income to assets | -0.9042% | 6,842 |
| Return on assets (ROA) | -0.7196% | 6,787 |
| Pretax return on assets | -0.7196% | 6,692 |
| Return on Equity (ROE) | -5.0648% | 6,654 |
| Retained earnings to average equity (ytd only) | -5.0648% | 6,559 |
| Net charge-offs to loans | 0.0101% | 6,522 |
| Credit loss provision to net charge-offs | 11,716.6667% | 24 |
| Earnings coverage of net charge-offs (x) | -20.0000% | 6,646 |
| Efficiency ratio | 104.4944% | 625 |
| Assets per employee ($millions) | 5.8483% | 1,352 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5859% | 3,587 |
| Loan loss allowance to noncurrent loans | 942.6829% | 388 |
| Noncurrent assets plus other real estate owned to assets | 0.1219% | 7,056 |
| Noncurrent loans to loans | 0.1682% | 6,849 |
| Net loans and leases to total assets | 71.3250% | 2,399 |
| Net loans and leases to deposits | 83.2004% | 2,868 |
| Net loans and leases to core deposits | 91.2446% | 2,914 |
| Total domestic deposits to total assets | 85.7268% | 3,232 |
| Equity capital to assets | 12.7439% | 1,723 |
| Core capital (leverage) ratio | 12.4669% | 1,428 |
| Tier 1 risk-based capital ratio | 17.6665% | 2,124 |
| Total risk-based capital ratio | 18.9215% | 2,087 |
| Memoranda: | ||
| Average total assets | $121,353,500 | 4,520 |
| Average earning assets | $117,210,500 | 4,352 |
| Average equity | $17,242,750 | 3,601 |
| Average total loans | $78,889,000 | 4,436 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6669% | 6,253 |
| Cost of funding earning assets | 1.8544% | 1,411 |
| Net interest margin | 2.8126% | 7,127 |
| Noninterest income to average assets | 0.0889% | 7,135 |
| Noninterest expense to average assets | 3.2368% | 2,777 |
| Loan and lease loss provision to assets | 0.6121% | 2,347 |
| Net operating income to assets | -1.0447% | 6,964 |
| Return on assets (ROA) | -0.7575% | 6,855 |
| Pretax return on assets | -0.7575% | 6,760 |
| Return on Equity (ROE) | -5.1284% | 6,707 |
| Retained earnings to average equity (ytd only) | -5.1284% | 6,569 |
| Net charge-offs to loans | 0.0165% | 6,108 |
| Credit loss provision to net charge-offs | 5,966.6667% | 65 |
| Earnings coverage of net charge-offs (x) | -42.1667% | 6,352 |
| Efficiency ratio | 115.4268% | 473 |
| Assets per employee ($millions) | 5.7297% | 1,423 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4357% | 4,259 |
| Loan loss allowance to noncurrent loans | 727.8788% | 458 |
| Noncurrent assets plus other real estate owned to assets | 0.1309% | 7,061 |
| Noncurrent loans to loans | 0.1972% | 6,861 |
| Net loans and leases to total assets | 65.4085% | 3,961 |
| Net loans and leases to deposits | 77.2257% | 4,126 |
| Net loans and leases to core deposits | 84.5641% | 4,061 |
| Total domestic deposits to total assets | 84.6978% | 3,770 |
| Equity capital to assets | 13.7401% | 1,261 |
| Core capital (leverage) ratio | 13.7756% | 982 |
| Tier 1 risk-based capital ratio | 20.1821% | 1,485 |
| Total risk-based capital ratio | 21.4348% | 1,450 |
| Memoranda: | ||
| Average total assets | $116,967,670 | 4,639 |
| Average earning assets | $112,922,330 | 4,482 |
| Average equity | $17,276,330 | 3,589 |
| Average total loans | $72,690,000 | 4,687 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5818% | 6,608 |
| Cost of funding earning assets | 1.8827% | 1,519 |
| Net interest margin | 2.6991% | 7,302 |
| Noninterest income to average assets | 0.0783% | 7,309 |
| Noninterest expense to average assets | 3.4654% | 2,066 |
| Loan and lease loss provision to assets | 0.5942% | 2,137 |
| Net operating income to assets | -1.3698% | 7,284 |
| Return on assets (ROA) | -1.3698% | 7,297 |
| Pretax return on assets | -1.3698% | 7,210 |
| Return on Equity (ROE) | -8.9252% | 7,092 |
| Retained earnings to average equity (ytd only) | -8.9252% | 6,889 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 128.8360% | 347 |
| Assets per employee ($millions) | 5.6053% | 1,577 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3775% | 4,528 |
| Loan loss allowance to noncurrent loans | 601.1834% | 544 |
| Noncurrent assets plus other real estate owned to assets | 0.1436% | 7,124 |
| Noncurrent loans to loans | 0.2291% | 6,878 |
| Net loans and leases to total assets | 61.7949% | 4,803 |
| Net loans and leases to deposits | 74.3778% | 4,685 |
| Net loans and leases to core deposits | 80.7980% | 4,661 |
| Total domestic deposits to total assets | 83.0824% | 4,580 |
| Equity capital to assets | 14.5482% | 986 |
| Core capital (leverage) ratio | 15.0516% | 743 |
| Tier 1 risk-based capital ratio | 23.0249% | 1,076 |
| Total risk-based capital ratio | 24.2771% | 1,052 |
| Memoranda: | ||
| Average total assets | $112,424,500 | 4,809 |
| Average earning assets | $108,779,000 | 4,639 |
| Average equity | $17,254,500 | 3,613 |
| Average total loans | $67,209,500 | 4,955 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8818% | 6,755 |
| Cost of funding earning assets | 1.7767% | 4,120 |
| Net interest margin | 3.1050% | 6,352 |
| Noninterest income to average assets | 0.0611% | 7,451 |
| Noninterest expense to average assets | 4.7816% | 619 |
| Loan and lease loss provision to assets | 0.8895% | 2,521 |
| Net operating income to assets | -2.6386% | 7,307 |
| Return on assets (ROA) | -2.6386% | 7,314 |
| Pretax return on assets | -2.6386% | 7,187 |
| Return on Equity (ROE) | -10.6258% | 6,663 |
| Retained earnings to average equity (ytd only) | -10.6258% | 6,561 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 157.6803% | 262 |
| Assets per employee ($millions) | 5.1018% | 2,084 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3995% | 4,242 |
| Loan loss allowance to noncurrent loans | 493.6047% | 673 |
| Noncurrent assets plus other real estate owned to assets | 0.1605% | 7,073 |
| Noncurrent loans to loans | 0.2835% | 6,718 |
| Net loans and leases to total assets | 55.8295% | 5,974 |
| Net loans and leases to deposits | 66.7187% | 5,977 |
| Net loans and leases to core deposits | 89.9283% | 5,136 |
| Total domestic deposits to total assets | 83.6788% | 4,187 |
| Equity capital to assets | 16.2260% | 667 |
| Core capital (leverage) ratio | 17.1595% | 474 |
| Tier 1 risk-based capital ratio | 27.8078% | 659 |
| Total risk-based capital ratio | 29.0597% | 640 |
| Memoranda: | ||
| Average total assets | $73,636,400 | 5,901 |
| Average earning assets | $70,466,000 | 5,800 |
| Average equity | $18,285,600 | 3,467 |
| Average total loans | $41,722,200 | 6,025 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0366% | 6,491 |
| Cost of funding earning assets | 1.7061% | 4,865 |
| Net interest margin | 3.3305% | 5,526 |
| Noninterest income to average assets | 0.0593% | 7,609 |
| Noninterest expense to average assets | 5.1811% | 431 |
| Loan and lease loss provision to assets | 1.1114% | 1,756 |
| Net operating income to assets | -3.0707% | 7,604 |
| Return on assets (ROA) | -3.0707% | 7,615 |
| Pretax return on assets | -3.0707% | 7,527 |
| Return on Equity (ROE) | -10.8257% | 6,945 |
| Retained earnings to average equity (ytd only) | -10.8257% | 6,873 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 160.8117% | 266 |
| Assets per employee ($millions) | 4.2788% | 3,238 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3754% | 4,084 |
| Loan loss allowance to noncurrent loans | 419.3182% | 743 |
| Noncurrent assets plus other real estate owned to assets | 0.1959% | 7,038 |
| Noncurrent loans to loans | 0.3280% | 6,705 |
| Net loans and leases to total assets | 58.8944% | 5,753 |
| Net loans and leases to deposits | 79.3948% | 4,493 |
| Net loans and leases to core deposits | 105.0606% | 3,814 |
| Total domestic deposits to total assets | 74.1792% | 6,914 |
| Equity capital to assets | 20.0114% | 338 |
| Core capital (leverage) ratio | 20.9260% | 262 |
| Tier 1 risk-based capital ratio | 32.4281% | 462 |
| Total risk-based capital ratio | 33.6797% | 448 |
| Memoranda: | ||
| Average total assets | $65,261,250 | 6,200 |
| Average earning assets | $61,971,250 | 6,108 |
| Average equity | $18,511,000 | 3,450 |
| Average total loans | $36,987,000 | 6,289 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0540% | 6,601 |
| Cost of funding earning assets | 1.6947% | 5,296 |
| Net interest margin | 3.3594% | 5,323 |
| Noninterest income to average assets | 0.0666% | 7,653 |
| Noninterest expense to average assets | 5.8251% | 337 |
| Loan and lease loss provision to assets | 1.2127% | 1,420 |
| Net operating income to assets | -3.8238% | 7,806 |
| Return on assets (ROA) | -3.8238% | 7,803 |
| Pretax return on assets | -3.8238% | 7,716 |
| Return on Equity (ROE) | -11.6761% | 7,152 |
| Retained earnings to average equity (ytd only) | -11.6761% | 7,028 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 181.2432% | 250 |
| Assets per employee ($millions) | 3.4310% | 5,002 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2202% | 4,813 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 60.6709% | 5,571 |
| Net loans and leases to deposits | 101.2789% | 1,143 |
| Net loans and leases to core deposits | 139.0129% | 1,054 |
| Total domestic deposits to total assets | 59.9048% | 7,933 |
| Equity capital to assets | 25.0003% | 201 |
| Core capital (leverage) ratio | 30.4275% | 139 |
| Tier 1 risk-based capital ratio | 40.7158% | 291 |
| Total risk-based capital ratio | 41.9420% | 287 |
| Memoranda: | ||
| Average total assets | $57,063,670 | 6,551 |
| Average earning assets | $53,462,330 | 6,494 |
| Average equity | $18,687,670 | 3,439 |
| Average total loans | $31,430,330 | 6,645 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0669% | 6,746 |
| Cost of funding earning assets | 1.8210% | 5,019 |
| Net interest margin | 3.2458% | 5,700 |
| Noninterest income to average assets | 0.0403% | 7,884 |
| Noninterest expense to average assets | 6.3668% | 255 |
| Loan and lease loss provision to assets | 0.8876% | 1,474 |
| Net operating income to assets | -4.1073% | 7,986 |
| Return on assets (ROA) | -4.1073% | 7,980 |
| Pretax return on assets | -4.1073% | 7,916 |
| Return on Equity (ROE) | -10.7017% | 7,409 |
| Retained earnings to average equity (ytd only) | -10.7017% | 7,175 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 202.3077% | 182 |
| Assets per employee ($millions) | 2.4922% | 7,293 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9999% | 6,184 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 57.5100% | 6,021 |
| Net loans and leases to deposits | 90.0036% | 2,931 |
| Net loans and leases to core deposits | 128.5568% | 1,741 |
| Total domestic deposits to total assets | 63.8974% | 7,850 |
| Equity capital to assets | 35.8676% | 103 |
| Core capital (leverage) ratio | 35.9733% | 113 |
| Tier 1 risk-based capital ratio | 58.8998% | 144 |
| Total risk-based capital ratio | 59.8681% | 142 |
| Memoranda: | ||
| Average total assets | $49,570,000 | 6,887 |
| Average earning assets | $47,445,500 | 6,768 |
| Average equity | $19,025,000 | 3,413 |
| Average total loans | $25,018,500 | 7,065 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0355% | 8,220 |
| Cost of funding earning assets | 0.5409% | 8,184 |
| Net interest margin | 1.4946% | 8,185 |
| Noninterest income to average assets | 0.0100% | 8,068 |
| Noninterest expense to average assets | 5.7055% | 463 |
| Loan and lease loss provision to assets | 0.4836% | 2,882 |
| Net operating income to assets | -4.7533% | 8,070 |
| Return on assets (ROA) | -4.7533% | 8,054 |
| Pretax return on assets | -4.7533% | 7,996 |
| Return on Equity (ROE) | -9.7805% | 7,264 |
| Retained earnings to average equity (ytd only) | -9.7805% | 7,053 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 397.3958% | 68 |
| Assets per employee ($millions) | 2.3402% | 7,504 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9881% | 6,157 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 41.5358% | 7,608 |
| Net loans and leases to deposits | 70.6370% | 6,207 |
| Net loans and leases to core deposits | 106.4214% | 4,146 |
| Total domestic deposits to total assets | 58.8018% | 7,996 |
| Equity capital to assets | 41.1897% | 97 |
| Core capital (leverage) ratio | 44.9737% | 93 |
| Tier 1 risk-based capital ratio | 83.7142% | 96 |
| Total risk-based capital ratio | 84.5699% | 96 |
| Memoranda: | ||
| Average total assets | $40,119,500 | 7,206 |
| Average earning assets | $38,271,000 | 7,122 |
| Average equity | $19,498,000 | 3,306 |
| Average total loans | $13,613,500 | 7,728 |