Home > Volunteer Federal Savings Bank > Performance and Condition Ratios
Volunteer Federal Savings Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8997% | 4,084 |
| Cost of funding earning assets | 0.9846% | 3,327 |
| Net interest margin | 2.9151% | 3,448 |
| Noninterest income to average assets | 0.6100% | 1,489 |
| Noninterest expense to average assets | 2.4181% | 2,533 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | 0.7539% | 3,036 |
| Return on assets (ROA) | 0.7539% | 3,011 |
| Pretax return on assets | 0.8974% | 2,969 |
| Return on Equity (ROE) | 8.2100% | 2,969 |
| Retained earnings to average equity (ytd only) | 8.2052% | 1,475 |
| Net charge-offs to loans | 0.0079% | 2,373 |
| Credit loss provision to net charge-offs | 333.3333% | 881 |
| Earnings coverage of net charge-offs (x) | 202.1333% | 586 |
| Efficiency ratio | 72.6032% | 1,603 |
| Assets per employee ($millions) | 4.7070% | 3,831 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4335% | 4,371 |
| Loan loss allowance to noncurrent loans | 480.3279% | 1,475 |
| Noncurrent assets plus other real estate owned to assets | 0.0525% | 3,243 |
| Noncurrent loans to loans | 0.0902% | 3,091 |
| Net loans and leases to total assets | 57.9600% | 3,041 |
| Net loans and leases to deposits | 67.4420% | 3,074 |
| Net loans and leases to core deposits | 73.0912% | 3,121 |
| Total domestic deposits to total assets | 85.9500% | 2,036 |
| Equity capital to assets | 9.4239% | 2,403 |
| Core capital (leverage) ratio | 11.3131% | 1,752 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.2668% | 465 |
| Memoranda: | ||
| Average total assets | $332,289,200 | 2,264 |
| Average earning assets | $310,178,600 | 2,246 |
| Average equity | $30,529,400 | 2,244 |
| Average total loans | $188,703,800 | 2,368 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8429% | 4,068 |
| Cost of funding earning assets | 0.8423% | 3,423 |
| Net interest margin | 3.0006% | 3,345 |
| Noninterest income to average assets | 0.6500% | 1,345 |
| Noninterest expense to average assets | 2.4600% | 2,346 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | 0.8029% | 3,019 |
| Return on assets (ROA) | 0.8029% | 3,013 |
| Pretax return on assets | 0.9821% | 2,904 |
| Return on Equity (ROE) | 8.8000% | 2,982 |
| Retained earnings to average equity (ytd only) | 8.7995% | 1,740 |
| Net charge-offs to loans | 0.0086% | 2,089 |
| Credit loss provision to net charge-offs | 166.6667% | 1,246 |
| Earnings coverage of net charge-offs (x) | 203.1667% | 592 |
| Efficiency ratio | 71.3008% | 1,640 |
| Assets per employee ($millions) | 4.4573% | 3,964 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4355% | 4,387 |
| Loan loss allowance to noncurrent loans | 436.9231% | 1,579 |
| Noncurrent assets plus other real estate owned to assets | 0.0583% | 3,233 |
| Noncurrent loans to loans | 0.0997% | 3,079 |
| Net loans and leases to total assets | 58.2700% | 3,007 |
| Net loans and leases to deposits | 64.8895% | 3,207 |
| Net loans and leases to core deposits | 69.7153% | 3,221 |
| Total domestic deposits to total assets | 89.8000% | 993 |
| Equity capital to assets | 8.8812% | 2,485 |
| Core capital (leverage) ratio | 11.3946% | 1,728 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.2008% | 476 |
| Memoranda: | ||
| Average total assets | $328,282,000 | 2,280 |
| Average earning assets | $305,973,250 | 2,268 |
| Average equity | $29,955,500 | 2,252 |
| Average total loans | $185,185,250 | 2,398 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7609% | 4,066 |
| Cost of funding earning assets | 0.7186% | 3,430 |
| Net interest margin | 3.0423% | 3,334 |
| Noninterest income to average assets | 0.7300% | 1,027 |
| Noninterest expense to average assets | 2.4887% | 2,236 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.8508% | 2,923 |
| Return on assets (ROA) | 0.8508% | 2,927 |
| Pretax return on assets | 1.0746% | 2,711 |
| Return on Equity (ROE) | 9.2400% | 2,913 |
| Retained earnings to average equity (ytd only) | 9.2398% | 1,617 |
| Net charge-offs to loans | 0.0132% | 1,695 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 146.0833% | 763 |
| Efficiency ratio | 69.8435% | 1,778 |
| Assets per employee ($millions) | 4.4579% | 3,976 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4351% | 4,422 |
| Loan loss allowance to noncurrent loans | 447.3118% | 1,675 |
| Noncurrent assets plus other real estate owned to assets | 0.0564% | 3,209 |
| Noncurrent loans to loans | 0.0973% | 3,008 |
| Net loans and leases to total assets | 57.7200% | 2,987 |
| Net loans and leases to deposits | 64.5184% | 3,161 |
| Net loans and leases to core deposits | 68.4335% | 3,209 |
| Total domestic deposits to total assets | 89.4600% | 1,092 |
| Equity capital to assets | 9.2363% | 2,355 |
| Core capital (leverage) ratio | 11.3587% | 1,702 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.8416% | 439 |
| Memoranda: | ||
| Average total assets | $326,276,000 | 2,294 |
| Average earning assets | $303,919,333 | 2,287 |
| Average equity | $30,044,000 | 2,263 |
| Average total loans | $181,698,667 | 2,424 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6469% | 4,105 |
| Cost of funding earning assets | 0.5696% | 3,478 |
| Net interest margin | 3.0773% | 3,405 |
| Noninterest income to average assets | 0.9300% | 645 |
| Noninterest expense to average assets | 2.4668% | 2,333 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.9985% | 2,531 |
| Return on assets (ROA) | 0.9985% | 2,500 |
| Pretax return on assets | 1.3265% | 2,097 |
| Return on Equity (ROE) | 10.8600% | 2,531 |
| Retained earnings to average equity (ytd only) | 10.8610% | 1,500 |
| Net charge-offs to loans | 0.0226% | 1,231 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 107.6000% | 753 |
| Efficiency ratio | 65.0309% | 2,322 |
| Assets per employee ($millions) | 4.4117% | 4,070 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4561% | 4,468 |
| Loan loss allowance to noncurrent loans | 443.6170% | 1,767 |
| Noncurrent assets plus other real estate owned to assets | 0.0576% | 3,212 |
| Noncurrent loans to loans | 0.1028% | 3,022 |
| Net loans and leases to total assets | 55.7600% | 3,053 |
| Net loans and leases to deposits | 62.4803% | 3,197 |
| Net loans and leases to core deposits | 65.4550% | 3,265 |
| Total domestic deposits to total assets | 89.2400% | 1,448 |
| Equity capital to assets | 9.3911% | 2,234 |
| Core capital (leverage) ratio | 11.4109% | 1,600 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.5892% | 464 |
| Memoranda: | ||
| Average total assets | $324,473,000 | 2,341 |
| Average earning assets | $301,951,000 | 2,336 |
| Average equity | $29,831,500 | 2,301 |
| Average total loans | $176,927,000 | 2,489 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2306% | 3,757 |
| Cost of funding earning assets | 0.1786% | 3,921 |
| Net interest margin | 3.0520% | 3,310 |
| Noninterest income to average assets | 0.5900% | 1,691 |
| Noninterest expense to average assets | 2.4256% | 2,348 |
| Loan and lease loss provision to assets | 0.0200% | 2,518 |
| Net operating income to assets | 0.8930% | 2,991 |
| Return on assets (ROA) | 0.8930% | 2,923 |
| Pretax return on assets | 0.9865% | 3,109 |
| Return on Equity (ROE) | 9.5200% | 2,963 |
| Retained earnings to average equity (ytd only) | 9.5156% | 1,310 |
| Net charge-offs to loans | 0.0031% | 2,371 |
| Credit loss provision to net charge-offs | 1,000.0000% | 424 |
| Earnings coverage of net charge-offs (x) | 626.0000% | 273 |
| Efficiency ratio | 70.7559% | 1,590 |
| Assets per employee ($millions) | 4.2997% | 4,145 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4936% | 4,437 |
| Loan loss allowance to noncurrent loans | 405.7692% | 1,826 |
| Noncurrent assets plus other real estate owned to assets | 0.0645% | 3,157 |
| Noncurrent loans to loans | 0.1216% | 2,912 |
| Net loans and leases to total assets | 52.7600% | 3,303 |
| Net loans and leases to deposits | 58.9704% | 3,402 |
| Net loans and leases to core deposits | 60.7353% | 3,468 |
| Total domestic deposits to total assets | 89.4700% | 1,574 |
| Equity capital to assets | 8.9941% | 2,360 |
| Core capital (leverage) ratio | 11.2694% | 1,636 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.8084% | 430 |
| Memoranda: | ||
| Average total assets | $312,210,800 | 2,395 |
| Average earning assets | $289,977,400 | 2,385 |
| Average equity | $29,299,200 | 2,365 |
| Average total loans | $161,045,200 | 2,530 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1177% | 3,635 |
| Cost of funding earning assets | 0.1665% | 3,665 |
| Net interest margin | 2.9512% | 3,358 |
| Noninterest income to average assets | 0.5400% | 1,952 |
| Noninterest expense to average assets | 2.4014% | 2,318 |
| Loan and lease loss provision to assets | 0.0200% | 2,326 |
| Net operating income to assets | 0.7807% | 3,324 |
| Return on assets (ROA) | 0.7807% | 3,276 |
| Pretax return on assets | 0.8616% | 3,446 |
| Return on Equity (ROE) | 8.2300% | 3,262 |
| Retained earnings to average equity (ytd only) | 8.2296% | 1,918 |
| Net charge-offs to loans | 0.0042% | 2,051 |
| Credit loss provision to net charge-offs | 900.0000% | 433 |
| Earnings coverage of net charge-offs (x) | 409.2000% | 376 |
| Efficiency ratio | 73.1602% | 1,367 |
| Assets per employee ($millions) | 4.3855% | 4,128 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5029% | 4,471 |
| Loan loss allowance to noncurrent loans | 253.0120% | 2,403 |
| Noncurrent assets plus other real estate owned to assets | 0.1037% | 2,924 |
| Noncurrent loans to loans | 0.1988% | 2,608 |
| Net loans and leases to total assets | 51.9100% | 3,284 |
| Net loans and leases to deposits | 57.7284% | 3,361 |
| Net loans and leases to core deposits | 58.5279% | 3,468 |
| Total domestic deposits to total assets | 89.9200% | 1,700 |
| Equity capital to assets | 8.4688% | 2,565 |
| Core capital (leverage) ratio | 10.9740% | 1,759 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.7503% | 580 |
| Memoranda: | ||
| Average total assets | $309,644,250 | 2,418 |
| Average earning assets | $287,557,000 | 2,417 |
| Average equity | $29,373,000 | 2,397 |
| Average total loans | $158,560,750 | 2,557 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0016% | 3,556 |
| Cost of funding earning assets | 0.1693% | 3,326 |
| Net interest margin | 2.8323% | 3,341 |
| Noninterest income to average assets | 0.5501% | 1,951 |
| Noninterest expense to average assets | 2.3374% | 2,434 |
| Loan and lease loss provision to assets | 0.0261% | 2,128 |
| Net operating income to assets | 0.7134% | 3,265 |
| Return on assets (ROA) | 0.7134% | 3,219 |
| Pretax return on assets | 0.8205% | 3,270 |
| Return on Equity (ROE) | 7.2494% | 3,235 |
| Retained earnings to average equity (ytd only) | 7.2494% | 1,893 |
| Net charge-offs to loans | 0.0051% | 1,829 |
| Credit loss provision to net charge-offs | 1,000.0000% | 404 |
| Earnings coverage of net charge-offs (x) | 324.0000% | 376 |
| Efficiency ratio | 73.4099% | 1,581 |
| Assets per employee ($millions) | 4.1731% | 4,281 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5224% | 4,529 |
| Loan loss allowance to noncurrent loans | 181.3449% | 2,806 |
| Noncurrent assets plus other real estate owned to assets | 0.1454% | 2,707 |
| Noncurrent loans to loans | 0.2881% | 2,313 |
| Net loans and leases to total assets | 50.1922% | 3,362 |
| Net loans and leases to deposits | 56.0962% | 3,364 |
| Net loans and leases to core deposits | 56.9747% | 3,494 |
| Total domestic deposits to total assets | 89.4752% | 1,958 |
| Equity capital to assets | 8.8940% | 2,454 |
| Core capital (leverage) ratio | 10.9538% | 1,646 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.8215% | 552 |
| Memoranda: | ||
| Average total assets | $306,145,667 | 2,457 |
| Average earning assets | $284,717,333 | 2,462 |
| Average equity | $30,126,667 | 2,414 |
| Average total loans | $155,739,667 | 2,587 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9209% | 3,481 |
| Cost of funding earning assets | 0.1699% | 3,220 |
| Net interest margin | 2.7510% | 3,278 |
| Noninterest income to average assets | 0.5415% | 1,943 |
| Noninterest expense to average assets | 2.2978% | 2,509 |
| Loan and lease loss provision to assets | 0.0333% | 1,768 |
| Net operating income to assets | 0.5721% | 3,489 |
| Return on assets (ROA) | 0.5721% | 3,466 |
| Pretax return on assets | 0.7743% | 3,188 |
| Return on Equity (ROE) | 5.5330% | 3,476 |
| Retained earnings to average equity (ytd only) | 5.5330% | 2,400 |
| Net charge-offs to loans | 0.0104% | 1,376 |
| Credit loss provision to net charge-offs | 625.0000% | 457 |
| Earnings coverage of net charge-offs (x) | 151.7500% | 532 |
| Efficiency ratio | 73.9931% | 1,742 |
| Assets per employee ($millions) | 4.3943% | 4,201 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5273% | 4,562 |
| Loan loss allowance to noncurrent loans | 6,307.6923% | 215 |
| Noncurrent assets plus other real estate owned to assets | 0.1671% | 2,623 |
| Noncurrent loans to loans | 0.0084% | 3,963 |
| Net loans and leases to total assets | 50.2893% | 3,147 |
| Net loans and leases to deposits | 56.7150% | 3,196 |
| Net loans and leases to core deposits | 57.5864% | 3,336 |
| Total domestic deposits to total assets | 88.6702% | 2,220 |
| Equity capital to assets | 9.6735% | 2,157 |
| Core capital (leverage) ratio | 11.0724% | 1,472 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.7378% | 584 |
| Memoranda: | ||
| Average total assets | $300,640,000 | 2,492 |
| Average earning assets | $280,191,500 | 2,502 |
| Average equity | $31,086,000 | 2,428 |
| Average total loans | $153,597,500 | 2,603 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1921% | 3,485 |
| Cost of funding earning assets | 0.2112% | 3,355 |
| Net interest margin | 2.9809% | 3,248 |
| Noninterest income to average assets | 0.6172% | 2,088 |
| Noninterest expense to average assets | 2.5426% | 2,052 |
| Loan and lease loss provision to assets | 0.0439% | 2,179 |
| Net operating income to assets | 0.6011% | 3,875 |
| Return on assets (ROA) | 0.6011% | 3,917 |
| Pretax return on assets | 0.7951% | 3,736 |
| Return on Equity (ROE) | 5.1561% | 3,962 |
| Retained earnings to average equity (ytd only) | 5.1561% | 2,725 |
| Net charge-offs to loans | 0.0318% | 1,603 |
| Credit loss provision to net charge-offs | 260.8696% | 1,144 |
| Earnings coverage of net charge-offs (x) | 49.8261% | 1,299 |
| Efficiency ratio | 75.1894% | 1,188 |
| Assets per employee ($millions) | 3.8642% | 4,464 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5268% | 4,600 |
| Loan loss allowance to noncurrent loans | 7,263.6364% | 202 |
| Noncurrent assets plus other real estate owned to assets | 0.1743% | 2,717 |
| Noncurrent loans to loans | 0.0073% | 4,053 |
| Net loans and leases to total assets | 51.3777% | 3,132 |
| Net loans and leases to deposits | 59.0331% | 3,165 |
| Net loans and leases to core deposits | 59.9307% | 3,317 |
| Total domestic deposits to total assets | 87.0320% | 2,508 |
| Equity capital to assets | 11.0380% | 1,766 |
| Core capital (leverage) ratio | 11.4467% | 1,315 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.2265% | 480 |
| Memoranda: | ||
| Average total assets | $273,180,200 | 2,580 |
| Average earning assets | $253,346,800 | 2,595 |
| Average equity | $31,845,800 | 2,430 |
| Average total loans | $144,636,000 | 2,681 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2667% | 3,468 |
| Cost of funding earning assets | 0.2197% | 3,426 |
| Net interest margin | 3.0470% | 3,188 |
| Noninterest income to average assets | 0.6009% | 2,209 |
| Noninterest expense to average assets | 2.5422% | 1,992 |
| Loan and lease loss provision to assets | 0.0448% | 2,099 |
| Net operating income to assets | 0.6352% | 3,940 |
| Return on assets (ROA) | 0.6352% | 3,997 |
| Pretax return on assets | 0.8351% | 3,827 |
| Return on Equity (ROE) | 5.3705% | 4,047 |
| Retained earnings to average equity (ytd only) | 5.3705% | 3,078 |
| Net charge-offs to loans | 0.0429% | 1,246 |
| Credit loss provision to net charge-offs | 195.6522% | 1,219 |
| Earnings coverage of net charge-offs (x) | 38.4565% | 1,396 |
| Efficiency ratio | 74.2878% | 1,193 |
| Assets per employee ($millions) | 3.8025% | 4,544 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5119% | 4,694 |
| Loan loss allowance to noncurrent loans | 150.1953% | 2,906 |
| Noncurrent assets plus other real estate owned to assets | 0.2104% | 2,724 |
| Noncurrent loans to loans | 0.3408% | 2,562 |
| Net loans and leases to total assets | 52.4028% | 3,161 |
| Net loans and leases to deposits | 60.4395% | 3,194 |
| Net loans and leases to core deposits | 61.3423% | 3,379 |
| Total domestic deposits to total assets | 86.7029% | 2,461 |
| Equity capital to assets | 11.2915% | 1,819 |
| Core capital (leverage) ratio | 11.6973% | 1,281 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.7232% | 500 |
| Memoranda: | ||
| Average total assets | $268,056,250 | 2,634 |
| Average earning assets | $248,195,000 | 2,651 |
| Average equity | $31,703,250 | 2,470 |
| Average total loans | $142,874,250 | 2,739 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2888% | 3,459 |
| Cost of funding earning assets | 0.2307% | 3,460 |
| Net interest margin | 3.0581% | 3,155 |
| Noninterest income to average assets | 0.6846% | 1,868 |
| Noninterest expense to average assets | 2.5524% | 1,990 |
| Loan and lease loss provision to assets | 0.0457% | 2,099 |
| Net operating income to assets | 0.7044% | 3,754 |
| Return on assets (ROA) | 0.7044% | 3,821 |
| Pretax return on assets | 0.9163% | 3,623 |
| Return on Equity (ROE) | 5.8598% | 3,939 |
| Retained earnings to average equity (ytd only) | 5.8598% | 2,860 |
| Net charge-offs to loans | 0.0598% | 1,018 |
| Credit loss provision to net charge-offs | 142.8571% | 1,182 |
| Earnings coverage of net charge-offs (x) | 30.0476% | 1,307 |
| Efficiency ratio | 72.6247% | 1,365 |
| Assets per employee ($millions) | 3.4862% | 4,671 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5096% | 4,731 |
| Loan loss allowance to noncurrent loans | 135.0909% | 3,002 |
| Noncurrent assets plus other real estate owned to assets | 0.3210% | 2,314 |
| Noncurrent loans to loans | 0.3772% | 2,545 |
| Net loans and leases to total assets | 53.3485% | 3,216 |
| Net loans and leases to deposits | 61.8867% | 3,213 |
| Net loans and leases to core deposits | 62.8601% | 3,385 |
| Total domestic deposits to total assets | 86.2035% | 2,665 |
| Equity capital to assets | 11.7374% | 1,496 |
| Core capital (leverage) ratio | 11.9157% | 1,128 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.0539% | 481 |
| Memoranda: | ||
| Average total assets | $262,345,333 | 2,662 |
| Average earning assets | $242,764,333 | 2,678 |
| Average equity | $31,537,000 | 2,473 |
| Average total loans | $140,427,000 | 2,776 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4041% | 3,181 |
| Cost of funding earning assets | 0.2423% | 3,545 |
| Net interest margin | 3.1617% | 2,804 |
| Noninterest income to average assets | 0.7905% | 1,603 |
| Noninterest expense to average assets | 2.5827% | 1,924 |
| Loan and lease loss provision to assets | 0.0466% | 2,149 |
| Net operating income to assets | 0.8526% | 3,261 |
| Return on assets (ROA) | 0.8526% | 3,344 |
| Pretax return on assets | 1.0794% | 3,167 |
| Return on Equity (ROE) | 7.0055% | 3,606 |
| Retained earnings to average equity (ytd only) | 7.0055% | 2,576 |
| Net charge-offs to loans | 0.1220% | 590 |
| Credit loss provision to net charge-offs | 71.4286% | 1,241 |
| Earnings coverage of net charge-offs (x) | 17.2619% | 1,301 |
| Efficiency ratio | 69.6399% | 1,743 |
| Assets per employee ($millions) | 3.6628% | 4,642 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5136% | 4,765 |
| Loan loss allowance to noncurrent loans | 123.7847% | 3,070 |
| Noncurrent assets plus other real estate owned to assets | 0.3409% | 2,433 |
| Noncurrent loans to loans | 0.4149% | 2,613 |
| Net loans and leases to total assets | 52.3730% | 3,407 |
| Net loans and leases to deposits | 60.9487% | 3,414 |
| Net loans and leases to core deposits | 61.6487% | 3,601 |
| Total domestic deposits to total assets | 85.9295% | 2,760 |
| Equity capital to assets | 11.8663% | 1,351 |
| Core capital (leverage) ratio | 12.3668% | 1,045 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.3834% | 385 |
| Memoranda: | ||
| Average total assets | $257,555,500 | 2,687 |
| Average earning assets | $237,716,500 | 2,696 |
| Average equity | $31,347,000 | 2,474 |
| Average total loans | $137,735,000 | 2,814 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8699% | 3,112 |
| Cost of funding earning assets | 0.3977% | 3,597 |
| Net interest margin | 3.4722% | 2,554 |
| Noninterest income to average assets | 0.6649% | 1,970 |
| Noninterest expense to average assets | 2.9287% | 1,605 |
| Loan and lease loss provision to assets | 0.0425% | 3,869 |
| Net operating income to assets | 0.6877% | 3,472 |
| Return on assets (ROA) | 0.6970% | 3,577 |
| Pretax return on assets | 0.8819% | 3,420 |
| Return on Equity (ROE) | 5.2915% | 3,819 |
| Retained earnings to average equity (ytd only) | 5.2915% | 2,142 |
| Net charge-offs to loans | 0.0127% | 2,883 |
| Credit loss provision to net charge-offs | 576.4706% | 1,136 |
| Earnings coverage of net charge-offs (x) | 123.9412% | 689 |
| Efficiency ratio | 76.2404% | 1,196 |
| Assets per employee ($millions) | 3.3519% | 4,704 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5306% | 4,770 |
| Loan loss allowance to noncurrent loans | 178.1327% | 2,545 |
| Noncurrent assets plus other real estate owned to assets | 0.2904% | 2,835 |
| Noncurrent loans to loans | 0.2979% | 3,129 |
| Net loans and leases to total assets | 54.0648% | 3,480 |
| Net loans and leases to deposits | 63.5969% | 3,469 |
| Net loans and leases to core deposits | 64.2937% | 3,671 |
| Total domestic deposits to total assets | 85.0117% | 2,755 |
| Equity capital to assets | 12.4906% | 1,328 |
| Core capital (leverage) ratio | 12.8405% | 937 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.0774% | 350 |
| Memoranda: | ||
| Average total assets | $230,853,800 | 2,711 |
| Average earning assets | $211,192,200 | 2,740 |
| Average equity | $30,407,000 | 2,459 |
| Average total loans | $134,114,800 | 2,814 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9823% | 3,024 |
| Cost of funding earning assets | 0.4331% | 3,623 |
| Net interest margin | 3.5492% | 2,425 |
| Noninterest income to average assets | 0.6332% | 2,059 |
| Noninterest expense to average assets | 2.9623% | 1,522 |
| Loan and lease loss provision to assets | 0.0403% | 3,846 |
| Net operating income to assets | 0.6791% | 3,524 |
| Return on assets (ROA) | 0.6917% | 3,587 |
| Pretax return on assets | 0.8854% | 3,419 |
| Return on Equity (ROE) | 5.1769% | 3,837 |
| Retained earnings to average equity (ytd only) | 5.1769% | 2,483 |
| Net charge-offs to loans | 0.0010% | 3,199 |
| Credit loss provision to net charge-offs | 6,800.0000% | 170 |
| Earnings coverage of net charge-offs (x) | 1,540.0000% | 79 |
| Efficiency ratio | 76.5065% | 1,164 |
| Assets per employee ($millions) | 3.2995% | 4,742 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5308% | 4,788 |
| Loan loss allowance to noncurrent loans | 368.3938% | 1,380 |
| Noncurrent assets plus other real estate owned to assets | 0.2374% | 3,258 |
| Noncurrent loans to loans | 0.1441% | 3,808 |
| Net loans and leases to total assets | 56.0855% | 3,616 |
| Net loans and leases to deposits | 66.5094% | 3,571 |
| Net loans and leases to core deposits | 67.3700% | 3,803 |
| Total domestic deposits to total assets | 84.3272% | 2,699 |
| Equity capital to assets | 12.9851% | 1,189 |
| Core capital (leverage) ratio | 13.2366% | 894 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.0443% | 329 |
| Memoranda: | ||
| Average total assets | $225,720,000 | 2,729 |
| Average earning assets | $205,973,500 | 2,761 |
| Average equity | $30,158,750 | 2,466 |
| Average total loans | $133,484,000 | 2,832 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1141% | 3,015 |
| Cost of funding earning assets | 0.4714% | 3,694 |
| Net interest margin | 3.6427% | 2,339 |
| Noninterest income to average assets | 0.6241% | 2,041 |
| Noninterest expense to average assets | 3.0211% | 1,523 |
| Loan and lease loss provision to assets | 0.0343% | 3,835 |
| Net operating income to assets | 0.6734% | 3,491 |
| Return on assets (ROA) | 0.6926% | 3,516 |
| Pretax return on assets | 0.9099% | 3,285 |
| Return on Equity (ROE) | 5.1321% | 3,799 |
| Retained earnings to average equity (ytd only) | 5.1321% | 2,411 |
| Net charge-offs to loans | -0.0030% | 3,884 |
| Credit loss provision to net charge-offs | -1,900.0000% | 3,878 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6590% | 1,197 |
| Assets per employee ($millions) | 3.1827% | 4,798 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5144% | 4,818 |
| Loan loss allowance to noncurrent loans | 240.0000% | 1,867 |
| Noncurrent assets plus other real estate owned to assets | 0.2824% | 3,194 |
| Noncurrent loans to loans | 0.2143% | 3,613 |
| Net loans and leases to total assets | 56.9432% | 3,614 |
| Net loans and leases to deposits | 67.7904% | 3,588 |
| Net loans and leases to core deposits | 68.8699% | 3,800 |
| Total domestic deposits to total assets | 83.9990% | 2,745 |
| Equity capital to assets | 13.0949% | 1,128 |
| Core capital (leverage) ratio | 13.4002% | 903 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.3144% | 298 |
| Memoranda: | ||
| Average total assets | $221,772,000 | 2,740 |
| Average earning assets | $201,937,333 | 2,765 |
| Average equity | $29,929,000 | 2,470 |
| Average total loans | $133,328,667 | 2,823 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2814% | 2,981 |
| Cost of funding earning assets | 0.5087% | 3,903 |
| Net interest margin | 3.7727% | 2,076 |
| Noninterest income to average assets | 0.6984% | 1,655 |
| Noninterest expense to average assets | 3.1355% | 1,558 |
| Loan and lease loss provision to assets | 0.0296% | 3,413 |
| Net operating income to assets | 0.7169% | 3,216 |
| Return on assets (ROA) | 0.7446% | 3,188 |
| Pretax return on assets | 0.9940% | 2,859 |
| Return on Equity (ROE) | 5.4310% | 3,499 |
| Retained earnings to average equity (ytd only) | 5.4310% | 2,102 |
| Net charge-offs to loans | 0.0150% | 2,071 |
| Credit loss provision to net charge-offs | 320.0000% | 1,129 |
| Earnings coverage of net charge-offs (x) | 107.0000% | 549 |
| Efficiency ratio | 76.0305% | 1,561 |
| Assets per employee ($millions) | 2.9779% | 4,808 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4889% | 4,886 |
| Loan loss allowance to noncurrent loans | 150.9217% | 2,531 |
| Noncurrent assets plus other real estate owned to assets | 0.3703% | 2,962 |
| Noncurrent loans to loans | 0.3240% | 3,332 |
| Net loans and leases to total assets | 61.3230% | 3,370 |
| Net loans and leases to deposits | 73.7053% | 3,302 |
| Net loans and leases to core deposits | 75.4455% | 3,532 |
| Total domestic deposits to total assets | 83.2002% | 3,041 |
| Equity capital to assets | 13.7062% | 1,150 |
| Core capital (leverage) ratio | 13.9063% | 931 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.7451% | 337 |
| Memoranda: | ||
| Average total assets | $216,490,500 | 2,734 |
| Average earning assets | $196,572,500 | 2,767 |
| Average equity | $29,681,500 | 2,472 |
| Average total loans | $133,501,500 | 2,802 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3608% | 3,365 |
| Cost of funding earning assets | 0.5503% | 3,871 |
| Net interest margin | 3.8106% | 2,469 |
| Noninterest income to average assets | 0.7081% | 1,787 |
| Noninterest expense to average assets | 3.0459% | 1,896 |
| Loan and lease loss provision to assets | 0.0226% | 3,570 |
| Net operating income to assets | 0.8580% | 3,363 |
| Return on assets (ROA) | 0.8632% | 3,438 |
| Pretax return on assets | 1.1295% | 3,079 |
| Return on Equity (ROE) | 6.4063% | 3,776 |
| Retained earnings to average equity (ytd only) | 6.4063% | 1,664 |
| Net charge-offs to loans | 0.0123% | 3,249 |
| Credit loss provision to net charge-offs | 300.0000% | 925 |
| Earnings coverage of net charge-offs (x) | 151.8750% | 490 |
| Efficiency ratio | 72.6690% | 1,775 |
| Assets per employee ($millions) | 3.0365% | 4,810 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4841% | 4,908 |
| Loan loss allowance to noncurrent loans | 128.2869% | 2,855 |
| Noncurrent assets plus other real estate owned to assets | 0.4281% | 2,678 |
| Noncurrent loans to loans | 0.3773% | 3,089 |
| Net loans and leases to total assets | 61.4098% | 3,459 |
| Net loans and leases to deposits | 74.9929% | 3,260 |
| Net loans and leases to core deposits | 77.0310% | 3,511 |
| Total domestic deposits to total assets | 81.8875% | 3,536 |
| Equity capital to assets | 13.7144% | 1,203 |
| Core capital (leverage) ratio | 13.8182% | 976 |
| Tier 1 risk-based capital ratio | 27.4320% | 594 |
| Total risk-based capital ratio | 28.0298% | 616 |
| Memoranda: | ||
| Average total assets | $212,123,200 | 2,737 |
| Average earning assets | $193,908,000 | 2,760 |
| Average equity | $28,581,200 | 2,467 |
| Average total loans | $130,492,600 | 2,817 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3636% | 3,468 |
| Cost of funding earning assets | 0.5470% | 3,949 |
| Net interest margin | 3.8166% | 2,540 |
| Noninterest income to average assets | 0.7069% | 1,752 |
| Noninterest expense to average assets | 3.0351% | 1,872 |
| Loan and lease loss provision to assets | 0.0227% | 3,455 |
| Net operating income to assets | 0.8665% | 3,462 |
| Return on assets (ROA) | 0.8735% | 3,520 |
| Pretax return on assets | 1.1455% | 3,149 |
| Return on Equity (ROE) | 6.5125% | 3,876 |
| Retained earnings to average equity (ytd only) | 6.5125% | 2,113 |
| Net charge-offs to loans | 0.0154% | 2,848 |
| Credit loss provision to net charge-offs | 240.0000% | 1,129 |
| Earnings coverage of net charge-offs (x) | 122.4635% | 635 |
| Efficiency ratio | 72.3593% | 1,782 |
| Assets per employee ($millions) | 2.9003% | 4,938 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4779% | 4,998 |
| Loan loss allowance to noncurrent loans | 122.2008% | 2,982 |
| Noncurrent assets plus other real estate owned to assets | 0.4729% | 2,638 |
| Noncurrent loans to loans | 0.3911% | 3,144 |
| Net loans and leases to total assets | 61.4222% | 3,549 |
| Net loans and leases to deposits | 75.0336% | 3,383 |
| Net loans and leases to core deposits | 77.0384% | 3,626 |
| Total domestic deposits to total assets | 81.8597% | 3,510 |
| Equity capital to assets | 13.5728% | 1,329 |
| Core capital (leverage) ratio | 13.7072% | 1,075 |
| Tier 1 risk-based capital ratio | 26.9229% | 647 |
| Total risk-based capital ratio | 27.5084% | 675 |
| Memoranda: | ||
| Average total assets | $211,256,250 | 2,761 |
| Average earning assets | $193,048,500 | 2,789 |
| Average equity | $28,334,750 | 2,497 |
| Average total loans | $129,856,250 | 2,858 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3324% | 3,536 |
| Cost of funding earning assets | 0.5321% | 3,973 |
| Net interest margin | 3.8003% | 2,587 |
| Noninterest income to average assets | 0.7072% | 1,687 |
| Noninterest expense to average assets | 3.0390% | 1,888 |
| Loan and lease loss provision to assets | 0.0228% | 3,346 |
| Net operating income to assets | 0.8556% | 3,452 |
| Return on assets (ROA) | 0.8556% | 3,508 |
| Pretax return on assets | 1.1259% | 3,154 |
| Return on Equity (ROE) | 6.4055% | 3,903 |
| Retained earnings to average equity (ytd only) | 6.4055% | 2,099 |
| Net charge-offs to loans | 0.0171% | 2,543 |
| Credit loss provision to net charge-offs | 218.1818% | 1,140 |
| Earnings coverage of net charge-offs (x) | 109.7273% | 651 |
| Efficiency ratio | 72.5682% | 1,831 |
| Assets per employee ($millions) | 2.9318% | 4,946 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4834% | 5,038 |
| Loan loss allowance to noncurrent loans | 135.7918% | 2,803 |
| Noncurrent assets plus other real estate owned to assets | 0.4355% | 2,773 |
| Noncurrent loans to loans | 0.3560% | 3,268 |
| Net loans and leases to total assets | 60.2166% | 3,712 |
| Net loans and leases to deposits | 73.4649% | 3,560 |
| Net loans and leases to core deposits | 75.8222% | 3,748 |
| Total domestic deposits to total assets | 81.9665% | 3,521 |
| Equity capital to assets | 13.3807% | 1,385 |
| Core capital (leverage) ratio | 13.6607% | 1,065 |
| Tier 1 risk-based capital ratio | 26.5087% | 657 |
| Total risk-based capital ratio | 27.0885% | 681 |
| Memoranda: | ||
| Average total assets | $210,134,670 | 2,784 |
| Average earning assets | $192,456,670 | 2,802 |
| Average equity | $28,069,670 | 2,507 |
| Average total loans | $128,989,000 | 2,882 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2934% | 3,586 |
| Cost of funding earning assets | 0.5204% | 3,973 |
| Net interest margin | 3.7730% | 2,621 |
| Noninterest income to average assets | 0.6590% | 1,786 |
| Noninterest expense to average assets | 3.0780% | 1,783 |
| Loan and lease loss provision to assets | 0.0231% | 3,133 |
| Net operating income to assets | 0.7589% | 3,749 |
| Return on assets (ROA) | 0.7589% | 3,795 |
| Pretax return on assets | 1.0125% | 3,403 |
| Return on Equity (ROE) | 5.6864% | 4,121 |
| Retained earnings to average equity (ytd only) | 5.6864% | 2,597 |
| Net charge-offs to loans | 0.0155% | 2,167 |
| Credit loss provision to net charge-offs | 240.0000% | 948 |
| Earnings coverage of net charge-offs (x) | 107.8000% | 639 |
| Efficiency ratio | 74.8248% | 1,636 |
| Assets per employee ($millions) | 2.9193% | 5,014 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4805% | 5,101 |
| Loan loss allowance to noncurrent loans | 135.6674% | 2,844 |
| Noncurrent assets plus other real estate owned to assets | 0.4225% | 2,901 |
| Noncurrent loans to loans | 0.3542% | 3,309 |
| Net loans and leases to total assets | 61.0907% | 3,591 |
| Net loans and leases to deposits | 74.6730% | 3,387 |
| Net loans and leases to core deposits | 76.8353% | 3,606 |
| Total domestic deposits to total assets | 81.8109% | 3,776 |
| Equity capital to assets | 13.3434% | 1,273 |
| Core capital (leverage) ratio | 13.6665% | 1,041 |
| Tier 1 risk-based capital ratio | 26.5314% | 652 |
| Total risk-based capital ratio | 27.1164% | 681 |
| Memoranda: | ||
| Average total assets | $208,190,000 | 2,827 |
| Average earning assets | $190,618,000 | 2,845 |
| Average equity | $27,785,500 | 2,531 |
| Average total loans | $128,731,500 | 2,918 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2076% | 3,429 |
| Cost of funding earning assets | 0.5063% | 3,307 |
| Net interest margin | 3.7013% | 3,029 |
| Noninterest income to average assets | 0.6682% | 1,971 |
| Noninterest expense to average assets | 3.1110% | 1,772 |
| Loan and lease loss provision to assets | 0.0163% | 3,827 |
| Net operating income to assets | 0.7138% | 4,104 |
| Return on assets (ROA) | 0.7138% | 4,107 |
| Pretax return on assets | 0.9172% | 3,849 |
| Return on Equity (ROE) | 5.3790% | 4,359 |
| Retained earnings to average equity (ytd only) | 5.3790% | 2,546 |
| Net charge-offs to loans | 0.0414% | 2,587 |
| Credit loss provision to net charge-offs | 62.2642% | 3,076 |
| Earnings coverage of net charge-offs (x) | 35.5849% | 1,429 |
| Efficiency ratio | 76.9184% | 1,243 |
| Assets per employee ($millions) | 2.9456% | 5,025 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4765% | 5,145 |
| Loan loss allowance to noncurrent loans | 90.2655% | 3,571 |
| Noncurrent assets plus other real estate owned to assets | 0.5558% | 2,389 |
| Noncurrent loans to loans | 0.5279% | 2,685 |
| Net loans and leases to total assets | 61.9936% | 3,566 |
| Net loans and leases to deposits | 76.2900% | 3,329 |
| Net loans and leases to core deposits | 78.7345% | 3,523 |
| Total domestic deposits to total assets | 81.2604% | 3,831 |
| Equity capital to assets | 13.3491% | 1,206 |
| Core capital (leverage) ratio | 13.5746% | 1,050 |
| Tier 1 risk-based capital ratio | 26.5828% | 634 |
| Total risk-based capital ratio | 27.1696% | 659 |
| Memoranda: | ||
| Average total assets | $202,027,200 | 2,844 |
| Average earning assets | $184,287,400 | 2,874 |
| Average equity | $26,808,000 | 2,522 |
| Average total loans | $128,000,200 | 2,903 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1493% | 3,461 |
| Cost of funding earning assets | 0.5095% | 3,131 |
| Net interest margin | 3.6398% | 3,224 |
| Noninterest income to average assets | 0.6760% | 1,955 |
| Noninterest expense to average assets | 3.0668% | 1,842 |
| Loan and lease loss provision to assets | 0.0133% | 3,732 |
| Net operating income to assets | 0.7085% | 4,197 |
| Return on assets (ROA) | 0.7085% | 4,207 |
| Pretax return on assets | 0.9135% | 3,971 |
| Return on Equity (ROE) | 5.3475% | 4,463 |
| Retained earnings to average equity (ytd only) | 5.3475% | 3,032 |
| Net charge-offs to loans | 0.0490% | 2,127 |
| Credit loss provision to net charge-offs | 42.5532% | 2,886 |
| Earnings coverage of net charge-offs (x) | 29.7211% | 1,619 |
| Efficiency ratio | 76.7940% | 1,255 |
| Assets per employee ($millions) | 2.8774% | 5,122 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4743% | 5,219 |
| Loan loss allowance to noncurrent loans | 134.1463% | 2,955 |
| Noncurrent assets plus other real estate owned to assets | 0.4723% | 2,793 |
| Noncurrent loans to loans | 0.3536% | 3,387 |
| Net loans and leases to total assets | 62.1342% | 3,645 |
| Net loans and leases to deposits | 76.4932% | 3,371 |
| Net loans and leases to core deposits | 78.7189% | 3,599 |
| Total domestic deposits to total assets | 81.2284% | 3,809 |
| Equity capital to assets | 13.2576% | 1,228 |
| Core capital (leverage) ratio | 13.6475% | 1,045 |
| Tier 1 risk-based capital ratio | 26.0964% | 676 |
| Total risk-based capital ratio | 26.6737% | 702 |
| Memoranda: | ||
| Average total assets | $200,985,500 | 2,875 |
| Average earning assets | $183,190,000 | 2,912 |
| Average equity | $26,628,750 | 2,546 |
| Average total loans | $127,890,500 | 2,926 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1267% | 3,359 |
| Cost of funding earning assets | 0.5201% | 2,838 |
| Net interest margin | 3.6067% | 3,285 |
| Noninterest income to average assets | 0.6814% | 1,951 |
| Noninterest expense to average assets | 3.0228% | 1,986 |
| Loan and lease loss provision to assets | 0.0100% | 3,650 |
| Net operating income to assets | 0.7214% | 4,132 |
| Return on assets (ROA) | 0.7214% | 4,140 |
| Pretax return on assets | 0.9376% | 3,852 |
| Return on Equity (ROE) | 5.4463% | 4,425 |
| Retained earnings to average equity (ytd only) | 5.4463% | 2,851 |
| Net charge-offs to loans | 0.0359% | 2,132 |
| Credit loss provision to net charge-offs | 43.4783% | 2,539 |
| Earnings coverage of net charge-offs (x) | 41.1739% | 1,268 |
| Efficiency ratio | 76.1341% | 1,407 |
| Assets per employee ($millions) | 2.8065% | 5,213 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4843% | 5,275 |
| Loan loss allowance to noncurrent loans | 87.1831% | 3,706 |
| Noncurrent assets plus other real estate owned to assets | 0.6290% | 2,332 |
| Noncurrent loans to loans | 0.5556% | 2,747 |
| Net loans and leases to total assets | 62.9399% | 3,511 |
| Net loans and leases to deposits | 77.6845% | 3,186 |
| Net loans and leases to core deposits | 79.4962% | 3,460 |
| Total domestic deposits to total assets | 81.0198% | 3,993 |
| Equity capital to assets | 13.2737% | 1,196 |
| Core capital (leverage) ratio | 13.5770% | 1,043 |
| Tier 1 risk-based capital ratio | 25.9109% | 681 |
| Total risk-based capital ratio | 26.5048% | 700 |
| Memoranda: | ||
| Average total assets | $199,881,330 | 2,897 |
| Average earning assets | $182,274,330 | 2,935 |
| Average equity | $26,476,670 | 2,561 |
| Average total loans | $128,006,000 | 2,935 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1055% | 3,219 |
| Cost of funding earning assets | 0.5380% | 2,491 |
| Net interest margin | 3.5675% | 3,291 |
| Noninterest income to average assets | 0.6741% | 1,940 |
| Noninterest expense to average assets | 3.1048% | 1,814 |
| Loan and lease loss provision to assets | 0.0040% | 3,459 |
| Net operating income to assets | 0.6157% | 4,376 |
| Return on assets (ROA) | 0.6157% | 4,386 |
| Pretax return on assets | 0.8210% | 4,101 |
| Return on Equity (ROE) | 4.6533% | 4,589 |
| Retained earnings to average equity (ytd only) | 4.6533% | 3,333 |
| Net charge-offs to loans | 0.0281% | 1,935 |
| Credit loss provision to net charge-offs | 22.2222% | 2,111 |
| Earnings coverage of net charge-offs (x) | 45.5556% | 989 |
| Efficiency ratio | 79.0067% | 1,256 |
| Assets per employee ($millions) | 2.8142% | 5,282 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4873% | 5,346 |
| Loan loss allowance to noncurrent loans | 52.3889% | 4,410 |
| Noncurrent assets plus other real estate owned to assets | 0.8498% | 1,859 |
| Noncurrent loans to loans | 0.9301% | 1,958 |
| Net loans and leases to total assets | 63.8840% | 3,326 |
| Net loans and leases to deposits | 79.0449% | 2,912 |
| Net loans and leases to core deposits | 80.9996% | 3,239 |
| Total domestic deposits to total assets | 80.8199% | 4,239 |
| Equity capital to assets | 13.2238% | 1,146 |
| Core capital (leverage) ratio | 13.5163% | 1,006 |
| Tier 1 risk-based capital ratio | 25.1628% | 741 |
| Total risk-based capital ratio | 25.7543% | 772 |
| Memoranda: | ||
| Average total assets | $198,787,500 | 2,942 |
| Average earning assets | $181,414,500 | 2,978 |
| Average equity | $26,304,000 | 2,591 |
| Average total loans | $128,108,500 | 2,960 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2520% | 2,488 |
| Cost of funding earning assets | 0.5512% | 1,944 |
| Net interest margin | 3.7008% | 2,797 |
| Noninterest income to average assets | 0.6979% | 1,975 |
| Noninterest expense to average assets | 3.2612% | 1,456 |
| Loan and lease loss provision to assets | 0.0273% | 3,743 |
| Net operating income to assets | 0.4859% | 4,410 |
| Return on assets (ROA) | 0.4859% | 4,442 |
| Pretax return on assets | 0.7488% | 4,389 |
| Return on Equity (ROE) | 3.4420% | 4,704 |
| Retained earnings to average equity (ytd only) | 3.4420% | 3,225 |
| Net charge-offs to loans | 0.0086% | 3,782 |
| Credit loss provision to net charge-offs | 454.5455% | 691 |
| Earnings coverage of net charge-offs (x) | 129.0909% | 529 |
| Efficiency ratio | 80.7770% | 1,034 |
| Assets per employee ($millions) | 2.5684% | 5,434 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4940% | 5,395 |
| Loan loss allowance to noncurrent loans | 40.6170% | 4,678 |
| Noncurrent assets plus other real estate owned to assets | 1.0017% | 1,540 |
| Noncurrent loans to loans | 1.2161% | 1,454 |
| Net loans and leases to total assets | 64.3761% | 3,321 |
| Net loans and leases to deposits | 81.1975% | 2,796 |
| Net loans and leases to core deposits | 82.9582% | 3,154 |
| Total domestic deposits to total assets | 79.2834% | 4,486 |
| Equity capital to assets | 13.2407% | 1,153 |
| Core capital (leverage) ratio | 14.0500% | 823 |
| Tier 1 risk-based capital ratio | 25.0510% | 720 |
| Total risk-based capital ratio | 25.6534% | 758 |
| Memoranda: | ||
| Average total assets | $182,969,200 | 3,081 |
| Average earning assets | $165,099,600 | 3,141 |
| Average equity | $25,827,800 | 2,618 |
| Average total loans | $127,192,200 | 2,958 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3096% | 2,237 |
| Cost of funding earning assets | 0.5541% | 1,866 |
| Net interest margin | 3.7555% | 2,558 |
| Noninterest income to average assets | 0.7385% | 1,839 |
| Noninterest expense to average assets | 3.2710% | 1,407 |
| Loan and lease loss provision to assets | 0.0335% | 3,454 |
| Net operating income to assets | 0.5266% | 4,657 |
| Return on assets (ROA) | 0.5266% | 4,690 |
| Pretax return on assets | 0.8114% | 4,319 |
| Return on Equity (ROE) | 3.6676% | 4,948 |
| Retained earnings to average equity (ytd only) | 3.6676% | 3,743 |
| Net charge-offs to loans | 0.0073% | 3,472 |
| Credit loss provision to net charge-offs | 642.8571% | 510 |
| Earnings coverage of net charge-offs (x) | 162.3398% | 507 |
| Efficiency ratio | 79.4724% | 1,166 |
| Assets per employee ($millions) | 2.3907% | 5,554 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4980% | 5,474 |
| Loan loss allowance to noncurrent loans | 63.8018% | 4,261 |
| Noncurrent assets plus other real estate owned to assets | 0.9507% | 1,791 |
| Noncurrent loans to loans | 0.7806% | 2,415 |
| Net loans and leases to total assets | 68.4840% | 2,778 |
| Net loans and leases to deposits | 88.2586% | 2,020 |
| Net loans and leases to core deposits | 90.7250% | 2,550 |
| Total domestic deposits to total assets | 77.5946% | 4,789 |
| Equity capital to assets | 14.1709% | 950 |
| Core capital (leverage) ratio | 14.6175% | 739 |
| Tier 1 risk-based capital ratio | 25.3290% | 720 |
| Total risk-based capital ratio | 25.9414% | 771 |
| Memoranda: | ||
| Average total assets | $179,269,250 | 3,148 |
| Average earning assets | $161,217,000 | 3,213 |
| Average equity | $25,738,250 | 2,644 |
| Average total loans | $127,003,250 | 2,984 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2964% | 2,140 |
| Cost of funding earning assets | 0.5547% | 1,745 |
| Net interest margin | 3.7417% | 2,508 |
| Noninterest income to average assets | 0.7610% | 1,722 |
| Noninterest expense to average assets | 3.2601% | 1,445 |
| Loan and lease loss provision to assets | 0.0338% | 3,312 |
| Net operating income to assets | 0.5392% | 4,577 |
| Return on assets (ROA) | 0.5392% | 4,614 |
| Pretax return on assets | 0.8308% | 4,157 |
| Return on Equity (ROE) | 3.7389% | 4,901 |
| Retained earnings to average equity (ytd only) | 3.7389% | 3,475 |
| Net charge-offs to loans | 0.0094% | 3,128 |
| Credit loss provision to net charge-offs | 500.0000% | 656 |
| Earnings coverage of net charge-offs (x) | 128.0000% | 555 |
| Efficiency ratio | 79.0393% | 1,331 |
| Assets per employee ($millions) | 2.3167% | 5,616 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4880% | 5,531 |
| Loan loss allowance to noncurrent loans | 77.6101% | 4,011 |
| Noncurrent assets plus other real estate owned to assets | 0.8863% | 2,003 |
| Noncurrent loans to loans | 0.6288% | 2,844 |
| Net loans and leases to total assets | 70.5297% | 2,438 |
| Net loans and leases to deposits | 89.7722% | 1,760 |
| Net loans and leases to core deposits | 92.2187% | 2,322 |
| Total domestic deposits to total assets | 78.5652% | 4,716 |
| Equity capital to assets | 14.5053% | 823 |
| Core capital (leverage) ratio | 14.6428% | 709 |
| Tier 1 risk-based capital ratio | 25.8772% | 684 |
| Total risk-based capital ratio | 26.4943% | 713 |
| Memoranda: | ||
| Average total assets | $177,665,330 | 3,186 |
| Average earning assets | $159,715,330 | 3,249 |
| Average equity | $25,622,330 | 2,658 |
| Average total loans | $127,105,330 | 2,987 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2566% | 2,081 |
| Cost of funding earning assets | 0.5622% | 1,634 |
| Net interest margin | 3.6944% | 2,496 |
| Noninterest income to average assets | 0.7738% | 1,648 |
| Noninterest expense to average assets | 3.2644% | 1,448 |
| Loan and lease loss provision to assets | 0.0338% | 3,109 |
| Net operating income to assets | 0.5166% | 4,530 |
| Return on assets (ROA) | 0.5166% | 4,561 |
| Pretax return on assets | 0.7964% | 4,122 |
| Return on Equity (ROE) | 3.5927% | 4,925 |
| Retained earnings to average equity (ytd only) | 3.5927% | 3,644 |
| Net charge-offs to loans | 0.0126% | 2,560 |
| Credit loss provision to net charge-offs | 375.0000% | 674 |
| Earnings coverage of net charge-offs (x) | 92.0000% | 579 |
| Efficiency ratio | 79.7245% | 1,413 |
| Assets per employee ($millions) | 2.3279% | 5,677 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4752% | 5,614 |
| Loan loss allowance to noncurrent loans | 142.1176% | 2,919 |
| Noncurrent assets plus other real estate owned to assets | 0.6845% | 2,582 |
| Noncurrent loans to loans | 0.3344% | 3,905 |
| Net loans and leases to total assets | 70.5726% | 2,283 |
| Net loans and leases to deposits | 89.7189% | 1,572 |
| Net loans and leases to core deposits | 92.3162% | 2,133 |
| Total domestic deposits to total assets | 78.6597% | 4,888 |
| Equity capital to assets | 14.2819% | 824 |
| Core capital (leverage) ratio | 14.5048% | 711 |
| Tier 1 risk-based capital ratio | 25.7666% | 705 |
| Total risk-based capital ratio | 26.3740% | 743 |
| Memoranda: | ||
| Average total assets | $177,306,500 | 3,216 |
| Average earning assets | $159,377,000 | 3,279 |
| Average equity | $25,496,000 | 2,682 |
| Average total loans | $127,443,000 | 2,998 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3824% | 1,874 |
| Cost of funding earning assets | 0.5990% | 1,339 |
| Net interest margin | 3.7834% | 2,377 |
| Noninterest income to average assets | 0.6180% | 2,563 |
| Noninterest expense to average assets | 3.3853% | 1,391 |
| Loan and lease loss provision to assets | 0.0540% | 3,307 |
| Net operating income to assets | 0.3722% | 5,028 |
| Return on assets (ROA) | 0.3722% | 5,112 |
| Pretax return on assets | 0.5600% | 4,898 |
| Return on Equity (ROE) | 2.5851% | 5,270 |
| Retained earnings to average equity (ytd only) | 2.5851% | 4,048 |
| Net charge-offs to loans | 0.0376% | 3,276 |
| Credit loss provision to net charge-offs | 200.0000% | 1,410 |
| Earnings coverage of net charge-offs (x) | 22.7447% | 1,716 |
| Efficiency ratio | 84.6474% | 947 |
| Assets per employee ($millions) | 2.4356% | 5,690 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4641% | 5,687 |
| Loan loss allowance to noncurrent loans | 56.7464% | 4,528 |
| Noncurrent assets plus other real estate owned to assets | 1.1736% | 1,557 |
| Noncurrent loans to loans | 0.8178% | 2,478 |
| Net loans and leases to total assets | 72.5282% | 2,088 |
| Net loans and leases to deposits | 91.7961% | 1,482 |
| Net loans and leases to core deposits | 94.4969% | 2,056 |
| Total domestic deposits to total assets | 79.0101% | 4,794 |
| Equity capital to assets | 14.4795% | 738 |
| Core capital (leverage) ratio | 14.7345% | 647 |
| Tier 1 risk-based capital ratio | 25.4304% | 730 |
| Total risk-based capital ratio | 26.0243% | 778 |
| Memoranda: | ||
| Average total assets | $174,103,200 | 3,231 |
| Average earning assets | $155,599,400 | 3,305 |
| Average equity | $25,066,800 | 2,715 |
| Average total loans | $125,102,800 | 2,994 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3944% | 1,877 |
| Cost of funding earning assets | 0.6117% | 1,256 |
| Net interest margin | 3.7827% | 2,396 |
| Noninterest income to average assets | 0.6728% | 2,299 |
| Noninterest expense to average assets | 3.3603% | 1,430 |
| Loan and lease loss provision to assets | 0.0644% | 2,944 |
| Net operating income to assets | 0.4066% | 4,999 |
| Return on assets (ROA) | 0.4066% | 5,093 |
| Pretax return on assets | 0.6260% | 4,809 |
| Return on Equity (ROE) | 2.8282% | 5,264 |
| Retained earnings to average equity (ytd only) | 2.8282% | 4,196 |
| Net charge-offs to loans | 0.0493% | 2,669 |
| Credit loss provision to net charge-offs | 182.6087% | 1,540 |
| Earnings coverage of net charge-offs (x) | 19.5658% | 1,923 |
| Efficiency ratio | 82.9545% | 1,078 |
| Assets per employee ($millions) | 2.4912% | 5,723 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4670% | 5,755 |
| Loan loss allowance to noncurrent loans | 97.4958% | 3,671 |
| Noncurrent assets plus other real estate owned to assets | 0.9921% | 2,088 |
| Noncurrent loans to loans | 0.4790% | 3,574 |
| Net loans and leases to total assets | 71.3823% | 2,284 |
| Net loans and leases to deposits | 91.9452% | 1,505 |
| Net loans and leases to core deposits | 94.8766% | 2,115 |
| Total domestic deposits to total assets | 77.6357% | 4,975 |
| Equity capital to assets | 14.4932% | 872 |
| Core capital (leverage) ratio | 14.6265% | 696 |
| Tier 1 risk-based capital ratio | 25.2049% | 793 |
| Total risk-based capital ratio | 25.7873% | 844 |
| Memoranda: | ||
| Average total assets | $173,787,750 | 3,247 |
| Average earning assets | $155,194,250 | 3,320 |
| Average equity | $24,985,500 | 2,739 |
| Average total loans | $124,433,000 | 3,008 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3896% | 1,856 |
| Cost of funding earning assets | 0.6219% | 1,184 |
| Net interest margin | 3.7677% | 2,446 |
| Noninterest income to average assets | 0.6429% | 2,404 |
| Noninterest expense to average assets | 3.3954% | 1,383 |
| Loan and lease loss provision to assets | 0.0346% | 3,459 |
| Net operating income to assets | 0.3756% | 5,106 |
| Return on assets (ROA) | 0.3756% | 5,192 |
| Pretax return on assets | 0.5772% | 4,953 |
| Return on Equity (ROE) | 2.6196% | 5,361 |
| Retained earnings to average equity (ytd only) | 2.6196% | 4,232 |
| Net charge-offs to loans | 0.0403% | 2,653 |
| Credit loss provision to net charge-offs | 120.0000% | 1,864 |
| Earnings coverage of net charge-offs (x) | 21.2400% | 1,690 |
| Efficiency ratio | 84.7326% | 988 |
| Assets per employee ($millions) | 2.4654% | 5,806 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4450% | 5,852 |
| Loan loss allowance to noncurrent loans | 89.0145% | 3,932 |
| Noncurrent assets plus other real estate owned to assets | 1.0378% | 2,051 |
| Noncurrent loans to loans | 0.4999% | 3,581 |
| Net loans and leases to total assets | 71.4364% | 2,254 |
| Net loans and leases to deposits | 90.9589% | 1,638 |
| Net loans and leases to core deposits | 93.4967% | 2,213 |
| Total domestic deposits to total assets | 78.5370% | 4,886 |
| Equity capital to assets | 14.5264% | 861 |
| Core capital (leverage) ratio | 14.4759% | 716 |
| Tier 1 risk-based capital ratio | 25.5697% | 762 |
| Total risk-based capital ratio | 26.1317% | 805 |
| Memoranda: | ||
| Average total assets | $173,588,670 | 3,271 |
| Average earning assets | $155,003,330 | 3,334 |
| Average equity | $24,889,330 | 2,753 |
| Average total loans | $124,222,670 | 3,018 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3651% | 1,908 |
| Cost of funding earning assets | 0.6295% | 1,155 |
| Net interest margin | 3.7356% | 2,537 |
| Noninterest income to average assets | 0.5216% | 2,976 |
| Noninterest expense to average assets | 3.4326% | 1,314 |
| Loan and lease loss provision to assets | 0.0345% | 3,202 |
| Net operating income to assets | 0.2573% | 5,419 |
| Return on assets (ROA) | 0.2573% | 5,486 |
| Pretax return on assets | 0.3952% | 5,316 |
| Return on Equity (ROE) | 1.8065% | 5,543 |
| Retained earnings to average equity (ytd only) | 1.8065% | 4,537 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.8757% | 755 |
| Assets per employee ($millions) | 2.5249% | 5,835 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4528% | 5,906 |
| Loan loss allowance to noncurrent loans | 145.7143% | 2,823 |
| Noncurrent assets plus other real estate owned to assets | 0.8937% | 2,453 |
| Noncurrent loans to loans | 0.3108% | 4,316 |
| Net loans and leases to total assets | 70.7883% | 2,222 |
| Net loans and leases to deposits | 89.8499% | 1,593 |
| Net loans and leases to core deposits | 92.7425% | 2,119 |
| Total domestic deposits to total assets | 78.7850% | 5,014 |
| Equity capital to assets | 14.2669% | 894 |
| Core capital (leverage) ratio | 14.3609% | 723 |
| Tier 1 risk-based capital ratio | 25.7135% | 755 |
| Total risk-based capital ratio | 26.2939% | 789 |
| Memoranda: | ||
| Average total assets | $174,095,000 | 3,278 |
| Average earning assets | $155,691,000 | 3,344 |
| Average equity | $24,799,500 | 2,766 |
| Average total loans | $124,417,500 | 3,024 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4101% | 1,866 |
| Cost of funding earning assets | 0.6594% | 1,022 |
| Net interest margin | 3.7507% | 2,551 |
| Noninterest income to average assets | 0.7979% | 1,796 |
| Noninterest expense to average assets | 3.3659% | 1,557 |
| Loan and lease loss provision to assets | 0.1353% | 1,758 |
| Net operating income to assets | 0.4292% | 4,954 |
| Return on assets (ROA) | 0.4292% | 5,031 |
| Pretax return on assets | 0.6591% | 4,650 |
| Return on Equity (ROE) | 3.0277% | 5,294 |
| Retained earnings to average equity (ytd only) | 3.0277% | 3,899 |
| Net charge-offs to loans | 0.2220% | 1,330 |
| Credit loss provision to net charge-offs | 84.1155% | 2,876 |
| Earnings coverage of net charge-offs (x) | 4.9386% | 3,465 |
| Efficiency ratio | 80.9045% | 1,547 |
| Assets per employee ($millions) | 2.6764% | 5,787 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4370% | 5,970 |
| Loan loss allowance to noncurrent loans | 27.3410% | 5,378 |
| Noncurrent assets plus other real estate owned to assets | 1.9228% | 941 |
| Noncurrent loans to loans | 1.5983% | 1,437 |
| Net loans and leases to total assets | 71.5070% | 2,133 |
| Net loans and leases to deposits | 91.2264% | 1,481 |
| Net loans and leases to core deposits | 93.9804% | 2,048 |
| Total domestic deposits to total assets | 78.3841% | 5,083 |
| Equity capital to assets | 14.2226% | 860 |
| Core capital (leverage) ratio | 14.3204% | 752 |
| Tier 1 risk-based capital ratio | 25.5541% | 772 |
| Total risk-based capital ratio | 26.1180% | 813 |
| Memoranda: | ||
| Average total assets | $172,198,600 | 3,271 |
| Average earning assets | $154,373,000 | 3,336 |
| Average equity | $24,408,000 | 2,741 |
| Average total loans | $124,752,400 | 2,978 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4892% | 1,623 |
| Cost of funding earning assets | 0.6616% | 1,023 |
| Net interest margin | 3.8276% | 2,276 |
| Noninterest income to average assets | 0.8143% | 1,757 |
| Noninterest expense to average assets | 3.3473% | 1,583 |
| Loan and lease loss provision to assets | 0.1692% | 1,248 |
| Net operating income to assets | 0.4728% | 4,883 |
| Return on assets (ROA) | 0.4728% | 4,986 |
| Pretax return on assets | 0.7289% | 4,578 |
| Return on Equity (ROE) | 3.3382% | 5,276 |
| Retained earnings to average equity (ytd only) | 3.3382% | 4,098 |
| Net charge-offs to loans | 0.2865% | 926 |
| Credit loss provision to net charge-offs | 81.3433% | 2,593 |
| Earnings coverage of net charge-offs (x) | 4.3172% | 3,369 |
| Efficiency ratio | 78.8444% | 1,838 |
| Assets per employee ($millions) | 2.5949% | 5,910 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4280% | 6,071 |
| Loan loss allowance to noncurrent loans | 19.8822% | 5,578 |
| Noncurrent assets plus other real estate owned to assets | 2.4853% | 702 |
| Noncurrent loans to loans | 2.1525% | 1,035 |
| Net loans and leases to total assets | 72.2627% | 2,018 |
| Net loans and leases to deposits | 92.2932% | 1,372 |
| Net loans and leases to core deposits | 95.2697% | 1,951 |
| Total domestic deposits to total assets | 78.2969% | 5,129 |
| Equity capital to assets | 14.1574% | 961 |
| Core capital (leverage) ratio | 14.1995% | 811 |
| Tier 1 risk-based capital ratio | 24.6804% | 883 |
| Total risk-based capital ratio | 25.2218% | 935 |
| Memoranda: | ||
| Average total assets | $171,756,000 | 3,303 |
| Average earning assets | $153,966,500 | 3,373 |
| Average equity | $24,324,250 | 2,771 |
| Average total loans | $124,704,000 | 3,001 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5676% | 1,354 |
| Cost of funding earning assets | 0.6661% | 1,017 |
| Net interest margin | 3.9015% | 1,973 |
| Noninterest income to average assets | 0.7074% | 2,184 |
| Noninterest expense to average assets | 3.3089% | 1,675 |
| Loan and lease loss provision to assets | 0.0970% | 2,204 |
| Net operating income to assets | 0.5191% | 4,689 |
| Return on assets (ROA) | 0.5191% | 4,791 |
| Pretax return on assets | 0.8009% | 4,307 |
| Return on Equity (ROE) | 3.6652% | 5,154 |
| Retained earnings to average equity (ytd only) | 3.6652% | 3,692 |
| Net charge-offs to loans | 0.1208% | 1,803 |
| Credit loss provision to net charge-offs | 110.6667% | 1,914 |
| Earnings coverage of net charge-offs (x) | 10.2400% | 2,379 |
| Efficiency ratio | 78.6548% | 1,967 |
| Assets per employee ($millions) | 2.5357% | 6,013 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4770% | 6,107 |
| Loan loss allowance to noncurrent loans | 19.2655% | 5,687 |
| Noncurrent assets plus other real estate owned to assets | 2.4561% | 779 |
| Noncurrent loans to loans | 2.4758% | 906 |
| Net loans and leases to total assets | 72.3630% | 1,924 |
| Net loans and leases to deposits | 92.6895% | 1,291 |
| Net loans and leases to core deposits | 95.7098% | 1,828 |
| Total domestic deposits to total assets | 78.0703% | 5,269 |
| Equity capital to assets | 14.1793% | 922 |
| Core capital (leverage) ratio | 14.2554% | 775 |
| Tier 1 risk-based capital ratio | 24.6392% | 894 |
| Total risk-based capital ratio | 25.2419% | 944 |
| Memoranda: | ||
| Average total assets | $171,054,670 | 3,331 |
| Average earning assets | $153,430,000 | 3,395 |
| Average equity | $24,227,670 | 2,782 |
| Average total loans | $124,213,330 | 3,013 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5683% | 1,294 |
| Cost of funding earning assets | 0.6809% | 943 |
| Net interest margin | 3.8873% | 1,937 |
| Noninterest income to average assets | 0.6527% | 2,392 |
| Noninterest expense to average assets | 3.3058% | 1,710 |
| Loan and lease loss provision to assets | 0.0352% | 3,198 |
| Net operating income to assets | 0.5259% | 4,562 |
| Return on assets (ROA) | 0.5259% | 4,681 |
| Pretax return on assets | 0.8100% | 4,198 |
| Return on Equity (ROE) | 3.7152% | 5,100 |
| Retained earnings to average equity (ytd only) | 3.7152% | 3,779 |
| Net charge-offs to loans | 0.2556% | 937 |
| Credit loss provision to net charge-offs | 18.9873% | 2,368 |
| Earnings coverage of net charge-offs (x) | 4.5570% | 2,477 |
| Efficiency ratio | 79.6380% | 1,939 |
| Assets per employee ($millions) | 2.5288% | 6,089 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4297% | 6,222 |
| Loan loss allowance to noncurrent loans | 20.7577% | 5,707 |
| Noncurrent assets plus other real estate owned to assets | 2.1634% | 1,064 |
| Noncurrent loans to loans | 2.0703% | 1,253 |
| Net loans and leases to total assets | 70.8738% | 2,007 |
| Net loans and leases to deposits | 90.8814% | 1,307 |
| Net loans and leases to core deposits | 93.8155% | 1,784 |
| Total domestic deposits to total assets | 77.9849% | 5,451 |
| Equity capital to assets | 14.0903% | 957 |
| Core capital (leverage) ratio | 14.1702% | 776 |
| Tier 1 risk-based capital ratio | 24.6185% | 924 |
| Total risk-based capital ratio | 25.1529% | 994 |
| Memoranda: | ||
| Average total assets | $170,368,000 | 3,358 |
| Average earning assets | $153,318,000 | 3,414 |
| Average equity | $24,117,000 | 2,815 |
| Average total loans | $123,634,000 | 3,025 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6056% | 1,545 |
| Cost of funding earning assets | 0.7975% | 660 |
| Net interest margin | 3.8081% | 2,599 |
| Noninterest income to average assets | 0.6642% | 2,484 |
| Noninterest expense to average assets | 3.3042% | 1,919 |
| Loan and lease loss provision to assets | 0.0275% | 4,054 |
| Net operating income to assets | 0.5075% | 4,786 |
| Return on assets (ROA) | 0.5075% | 4,869 |
| Pretax return on assets | 0.7806% | 4,332 |
| Return on Equity (ROE) | 3.6833% | 5,241 |
| Retained earnings to average equity (ytd only) | 3.6833% | 3,601 |
| Net charge-offs to loans | 0.0919% | 3,180 |
| Credit loss provision to net charge-offs | 40.1709% | 3,669 |
| Earnings coverage of net charge-offs (x) | 11.8120% | 2,450 |
| Efficiency ratio | 80.3498% | 1,874 |
| Assets per employee ($millions) | 2.4821% | 6,171 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4725% | 6,277 |
| Loan loss allowance to noncurrent loans | 16.7900% | 5,873 |
| Noncurrent assets plus other real estate owned to assets | 2.7734% | 784 |
| Noncurrent loans to loans | 2.8141% | 834 |
| Net loans and leases to total assets | 73.6345% | 1,652 |
| Net loans and leases to deposits | 95.5207% | 940 |
| Net loans and leases to core deposits | 98.8963% | 1,476 |
| Total domestic deposits to total assets | 77.0875% | 5,587 |
| Equity capital to assets | 14.2226% | 896 |
| Core capital (leverage) ratio | 14.2446% | 761 |
| Tier 1 risk-based capital ratio | 23.4017% | 1,018 |
| Total risk-based capital ratio | 23.9769% | 1,102 |
| Memoranda: | ||
| Average total assets | $171,022,600 | 3,325 |
| Average earning assets | $154,853,400 | 3,366 |
| Average equity | $23,565,600 | 2,790 |
| Average total loans | $127,265,000 | 2,917 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5920% | 1,586 |
| Cost of funding earning assets | 0.8176% | 630 |
| Net interest margin | 3.7744% | 2,714 |
| Noninterest income to average assets | 0.6675% | 2,487 |
| Noninterest expense to average assets | 3.2722% | 1,963 |
| Loan and lease loss provision to assets | 0.0404% | 3,601 |
| Net operating income to assets | 0.5051% | 4,858 |
| Return on assets (ROA) | 0.5051% | 4,919 |
| Pretax return on assets | 0.7771% | 4,440 |
| Return on Equity (ROE) | 3.6948% | 5,279 |
| Retained earnings to average equity (ytd only) | 3.6948% | 4,010 |
| Net charge-offs to loans | 0.1658% | 2,136 |
| Credit loss provision to net charge-offs | 32.7044% | 3,416 |
| Earnings coverage of net charge-offs (x) | 6.6165% | 3,050 |
| Efficiency ratio | 80.0114% | 1,916 |
| Assets per employee ($millions) | 2.5268% | 6,209 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4372% | 6,382 |
| Loan loss allowance to noncurrent loans | 16.2401% | 5,979 |
| Noncurrent assets plus other real estate owned to assets | 2.7207% | 919 |
| Noncurrent loans to loans | 2.6921% | 1,064 |
| Net loans and leases to total assets | 74.2518% | 1,480 |
| Net loans and leases to deposits | 97.7937% | 749 |
| Net loans and leases to core deposits | 101.5388% | 1,249 |
| Total domestic deposits to total assets | 75.9269% | 5,825 |
| Equity capital to assets | 14.0505% | 987 |
| Core capital (leverage) ratio | 13.9731% | 849 |
| Tier 1 risk-based capital ratio | 23.3740% | 1,065 |
| Total risk-based capital ratio | 23.9164% | 1,147 |
| Memoranda: | ||
| Average total assets | $171,583,000 | 3,342 |
| Average earning assets | $155,571,500 | 3,372 |
| Average equity | $23,455,750 | 2,811 |
| Average total loans | $127,863,500 | 2,919 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5857% | 1,569 |
| Cost of funding earning assets | 0.8196% | 645 |
| Net interest margin | 3.7661% | 2,688 |
| Noninterest income to average assets | 0.6870% | 2,347 |
| Noninterest expense to average assets | 3.3270% | 1,847 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.5094% | 4,771 |
| Return on assets (ROA) | 0.5094% | 4,867 |
| Pretax return on assets | 0.7833% | 4,338 |
| Return on Equity (ROE) | 3.7609% | 5,251 |
| Retained earnings to average equity (ytd only) | 3.7609% | 3,797 |
| Net charge-offs to loans | 0.1464% | 2,213 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 7.1809% | 2,668 |
| Efficiency ratio | 80.9430% | 1,887 |
| Assets per employee ($millions) | 2.5185% | 6,280 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4448% | 6,459 |
| Loan loss allowance to noncurrent loans | 21.9295% | 5,965 |
| Noncurrent assets plus other real estate owned to assets | 2.3327% | 1,263 |
| Noncurrent loans to loans | 2.0285% | 1,666 |
| Net loans and leases to total assets | 73.9656% | 1,448 |
| Net loans and leases to deposits | 98.6058% | 622 |
| Net loans and leases to core deposits | 102.5867% | 1,101 |
| Total domestic deposits to total assets | 75.0114% | 6,024 |
| Equity capital to assets | 13.7664% | 1,061 |
| Core capital (leverage) ratio | 13.7664% | 894 |
| Tier 1 risk-based capital ratio | 22.7018% | 1,155 |
| Total risk-based capital ratio | 23.2468% | 1,239 |
| Memoranda: | ||
| Average total assets | $172,345,000 | 3,347 |
| Average earning assets | $156,661,000 | 3,370 |
| Average equity | $23,345,330 | 2,815 |
| Average total loans | $128,398,670 | 2,893 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5923% | 1,528 |
| Cost of funding earning assets | 0.8536% | 573 |
| Net interest margin | 3.7387% | 2,716 |
| Noninterest income to average assets | 0.5923% | 2,781 |
| Noninterest expense to average assets | 3.3455% | 1,841 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.4303% | 5,010 |
| Return on assets (ROA) | 0.4303% | 5,070 |
| Pretax return on assets | 0.6617% | 4,627 |
| Return on Equity (ROE) | 3.2028% | 5,387 |
| Retained earnings to average equity (ytd only) | 3.2028% | 4,200 |
| Net charge-offs to loans | 0.0248% | 3,074 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 35.7500% | 940 |
| Efficiency ratio | 83.4873% | 1,734 |
| Assets per employee ($millions) | 2.5120% | 6,359 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5075% | 6,496 |
| Loan loss allowance to noncurrent loans | 43.6120% | 5,456 |
| Noncurrent assets plus other real estate owned to assets | 1.5982% | 2,203 |
| Noncurrent loans to loans | 1.1636% | 3,105 |
| Net loans and leases to total assets | 74.8310% | 1,143 |
| Net loans and leases to deposits | 100.0219% | 437 |
| Net loans and leases to core deposits | 103.4074% | 895 |
| Total domestic deposits to total assets | 74.8146% | 6,173 |
| Equity capital to assets | 13.6538% | 1,051 |
| Core capital (leverage) ratio | 13.6538% | 932 |
| Tier 1 risk-based capital ratio | 22.7450% | 1,173 |
| Total risk-based capital ratio | 23.3809% | 1,252 |
| Memoranda: | ||
| Average total assets | $172,888,500 | 3,367 |
| Average earning assets | $157,916,000 | 3,377 |
| Average equity | $23,230,000 | 2,820 |
| Average total loans | $128,979,000 | 2,897 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7999% | 1,313 |
| Cost of funding earning assets | 0.9858% | 483 |
| Net interest margin | 3.8141% | 2,603 |
| Noninterest income to average assets | 0.4851% | 3,855 |
| Noninterest expense to average assets | 3.1544% | 2,568 |
| Loan and lease loss provision to assets | 0.0541% | 4,057 |
| Net operating income to assets | 0.4856% | 4,795 |
| Return on assets (ROA) | 0.4856% | 4,935 |
| Pretax return on assets | 0.7410% | 4,376 |
| Return on Equity (ROE) | 3.7420% | 5,220 |
| Retained earnings to average equity (ytd only) | 3.7420% | 3,558 |
| Net charge-offs to loans | 0.1056% | 3,773 |
| Credit loss provision to net charge-offs | 68.8406% | 3,334 |
| Earnings coverage of net charge-offs (x) | 10.1087% | 2,417 |
| Efficiency ratio | 79.8672% | 2,167 |
| Assets per employee ($millions) | 2.6113% | 6,305 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5097% | 6,564 |
| Loan loss allowance to noncurrent loans | 33.1325% | 5,852 |
| Noncurrent assets plus other real estate owned to assets | 1.7484% | 2,120 |
| Noncurrent loans to loans | 1.5384% | 2,587 |
| Net loans and leases to total assets | 73.6294% | 1,415 |
| Net loans and leases to deposits | 100.8660% | 442 |
| Net loans and leases to core deposits | 107.1240% | 732 |
| Total domestic deposits to total assets | 72.9973% | 6,357 |
| Equity capital to assets | 13.2242% | 1,171 |
| Core capital (leverage) ratio | 13.2242% | 1,045 |
| Tier 1 risk-based capital ratio | 21.9427% | 1,268 |
| Total risk-based capital ratio | 22.5686% | 1,344 |
| Memoranda: | ||
| Average total assets | $175,440,000 | 3,330 |
| Average earning assets | $159,357,000 | 3,358 |
| Average equity | $22,768,400 | 2,851 |
| Average total loans | $130,700,200 | 2,848 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7734% | 1,410 |
| Cost of funding earning assets | 1.0054% | 477 |
| Net interest margin | 3.7680% | 2,770 |
| Noninterest income to average assets | 0.5749% | 3,300 |
| Noninterest expense to average assets | 3.0735% | 2,748 |
| Loan and lease loss provision to assets | 0.0721% | 3,618 |
| Net operating income to assets | 0.5514% | 4,583 |
| Return on assets (ROA) | 0.5514% | 4,725 |
| Pretax return on assets | 0.8476% | 4,106 |
| Return on Equity (ROE) | 4.2687% | 5,089 |
| Retained earnings to average equity (ytd only) | 4.2687% | 3,639 |
| Net charge-offs to loans | 0.1323% | 3,216 |
| Credit loss provision to net charge-offs | 73.0769% | 3,001 |
| Earnings coverage of net charge-offs (x) | 9.3154% | 2,499 |
| Efficiency ratio | 76.9684% | 2,564 |
| Assets per employee ($millions) | 2.6033% | 6,379 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5217% | 6,640 |
| Loan loss allowance to noncurrent loans | 50.3771% | 5,213 |
| Noncurrent assets plus other real estate owned to assets | 1.4597% | 2,758 |
| Noncurrent loans to loans | 1.0356% | 3,730 |
| Net loans and leases to total assets | 73.0247% | 1,450 |
| Net loans and leases to deposits | 100.2953% | 459 |
| Net loans and leases to core deposits | 106.2834% | 746 |
| Total domestic deposits to total assets | 72.8097% | 6,445 |
| Equity capital to assets | 13.1929% | 1,245 |
| Core capital (leverage) ratio | 13.1929% | 1,133 |
| Tier 1 risk-based capital ratio | 21.7491% | 1,359 |
| Total risk-based capital ratio | 22.3805% | 1,443 |
| Memoranda: | ||
| Average total assets | $175,560,000 | 3,355 |
| Average earning assets | $159,267,750 | 3,387 |
| Average equity | $22,676,250 | 2,885 |
| Average total loans | $131,004,750 | 2,860 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8143% | 1,296 |
| Cost of funding earning assets | 1.0250% | 482 |
| Net interest margin | 3.7893% | 2,595 |
| Noninterest income to average assets | 0.6252% | 3,049 |
| Noninterest expense to average assets | 3.0112% | 2,965 |
| Loan and lease loss provision to assets | 0.1080% | 2,990 |
| Net operating income to assets | 0.6138% | 4,227 |
| Return on assets (ROA) | 0.6138% | 4,395 |
| Pretax return on assets | 0.9435% | 3,737 |
| Return on Equity (ROE) | 4.7862% | 4,836 |
| Retained earnings to average equity (ytd only) | 4.7862% | 3,195 |
| Net charge-offs to loans | 0.1894% | 2,618 |
| Credit loss provision to net charge-offs | 76.0000% | 2,704 |
| Earnings coverage of net charge-offs (x) | 7.4000% | 2,552 |
| Efficiency ratio | 74.1186% | 3,106 |
| Assets per employee ($millions) | 2.6680% | 6,330 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5193% | 6,688 |
| Loan loss allowance to noncurrent loans | 93.4722% | 3,617 |
| Noncurrent assets plus other real estate owned to assets | 1.4016% | 3,007 |
| Noncurrent loans to loans | 0.5556% | 4,869 |
| Net loans and leases to total assets | 73.2164% | 1,367 |
| Net loans and leases to deposits | 100.3776% | 404 |
| Net loans and leases to core deposits | 105.9915% | 741 |
| Total domestic deposits to total assets | 72.9410% | 6,505 |
| Equity capital to assets | 12.9628% | 1,358 |
| Core capital (leverage) ratio | 12.9628% | 1,180 |
| Tier 1 risk-based capital ratio | 22.3115% | 1,236 |
| Total risk-based capital ratio | 22.9742% | 1,319 |
| Memoranda: | ||
| Average total assets | $175,940,330 | 3,361 |
| Average earning assets | $159,607,000 | 3,404 |
| Average equity | $22,564,670 | 2,920 |
| Average total loans | $131,994,000 | 2,843 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9168% | 1,038 |
| Cost of funding earning assets | 1.0339% | 513 |
| Net interest margin | 3.8829% | 2,171 |
| Noninterest income to average assets | 0.6323% | 2,965 |
| Noninterest expense to average assets | 3.0068% | 2,970 |
| Loan and lease loss provision to assets | 0.1137% | 2,811 |
| Net operating income to assets | 0.6755% | 3,811 |
| Return on assets (ROA) | 0.6755% | 3,971 |
| Pretax return on assets | 1.0394% | 3,189 |
| Return on Equity (ROE) | 5.2955% | 4,405 |
| Retained earnings to average equity (ytd only) | 5.2955% | 3,055 |
| Net charge-offs to loans | 0.1141% | 2,743 |
| Credit loss provision to net charge-offs | 131.5789% | 1,503 |
| Earnings coverage of net charge-offs (x) | 13.3421% | 1,532 |
| Efficiency ratio | 72.2799% | 3,566 |
| Assets per employee ($millions) | 2.7675% | 6,330 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5428% | 6,758 |
| Loan loss allowance to noncurrent loans | 124.5645% | 2,791 |
| Noncurrent assets plus other real estate owned to assets | 1.2805% | 3,417 |
| Noncurrent loans to loans | 0.4358% | 5,333 |
| Net loans and leases to total assets | 73.9671% | 1,085 |
| Net loans and leases to deposits | 101.4323% | 299 |
| Net loans and leases to core deposits | 106.8057% | 613 |
| Total domestic deposits to total assets | 72.9226% | 6,606 |
| Equity capital to assets | 12.7503% | 1,562 |
| Core capital (leverage) ratio | 12.7503% | 1,218 |
| Tier 1 risk-based capital ratio | 22.6366% | 1,213 |
| Total risk-based capital ratio | 23.3664% | 1,282 |
| Memoranda: | ||
| Average total assets | $175,866,000 | 3,401 |
| Average earning assets | $159,778,500 | 3,435 |
| Average equity | $22,434,000 | 2,988 |
| Average total loans | $133,191,500 | 2,835 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0406% | 1,458 |
| Cost of funding earning assets | 1.2118% | 548 |
| Net interest margin | 3.8288% | 3,107 |
| Noninterest income to average assets | 0.5991% | 3,283 |
| Noninterest expense to average assets | 2.9798% | 3,349 |
| Loan and lease loss provision to assets | 0.1873% | 3,299 |
| Net operating income to assets | 0.5946% | 4,267 |
| Return on assets (ROA) | 0.5946% | 4,529 |
| Pretax return on assets | 0.9209% | 3,858 |
| Return on Equity (ROE) | 4.8515% | 4,749 |
| Retained earnings to average equity (ytd only) | 4.8515% | 2,806 |
| Net charge-offs to loans | 0.2799% | 3,262 |
| Credit loss provision to net charge-offs | 86.7188% | 3,601 |
| Earnings coverage of net charge-offs (x) | 5.1302% | 3,139 |
| Efficiency ratio | 72.8912% | 3,259 |
| Assets per employee ($millions) | 2.8625% | 6,223 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5221% | 6,824 |
| Loan loss allowance to noncurrent loans | 61.5048% | 4,604 |
| Noncurrent assets plus other real estate owned to assets | 1.5594% | 3,041 |
| Noncurrent loans to loans | 0.8488% | 4,486 |
| Net loans and leases to total assets | 76.7155% | 832 |
| Net loans and leases to deposits | 106.1281% | 223 |
| Net loans and leases to core deposits | 111.8948% | 476 |
| Total domestic deposits to total assets | 72.2857% | 6,677 |
| Equity capital to assets | 12.7624% | 1,562 |
| Core capital (leverage) ratio | 12.7624% | 1,215 |
| Tier 1 risk-based capital ratio | 21.7870% | 1,303 |
| Total risk-based capital ratio | 22.4850% | 1,385 |
| Memoranda: | ||
| Average total assets | $177,765,200 | 3,339 |
| Average earning assets | $161,984,600 | 3,350 |
| Average equity | $21,787,000 | 3,000 |
| Average total loans | $137,195,600 | 2,754 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0515% | 1,556 |
| Cost of funding earning assets | 1.2342% | 593 |
| Net interest margin | 3.8173% | 3,257 |
| Noninterest income to average assets | 0.6011% | 3,260 |
| Noninterest expense to average assets | 3.0212% | 3,163 |
| Loan and lease loss provision to assets | 0.1269% | 3,961 |
| Net operating income to assets | 0.6063% | 4,363 |
| Return on assets (ROA) | 0.6063% | 4,625 |
| Pretax return on assets | 0.9356% | 3,978 |
| Return on Equity (ROE) | 4.9978% | 4,821 |
| Retained earnings to average equity (ytd only) | 4.9978% | 3,366 |
| Net charge-offs to loans | 0.2883% | 2,998 |
| Credit loss provision to net charge-offs | 57.0470% | 4,238 |
| Earnings coverage of net charge-offs (x) | 4.7752% | 3,208 |
| Efficiency ratio | 73.9806% | 2,987 |
| Assets per employee ($millions) | 2.8724% | 6,259 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4607% | 6,977 |
| Loan loss allowance to noncurrent loans | 59.8470% | 4,653 |
| Noncurrent assets plus other real estate owned to assets | 1.2954% | 3,705 |
| Noncurrent loans to loans | 0.7698% | 4,870 |
| Net loans and leases to total assets | 75.9485% | 987 |
| Net loans and leases to deposits | 104.6808% | 268 |
| Net loans and leases to core deposits | 110.2322% | 561 |
| Total domestic deposits to total assets | 72.5525% | 6,713 |
| Equity capital to assets | 12.3764% | 1,980 |
| Core capital (leverage) ratio | 12.3764% | 1,458 |
| Tier 1 risk-based capital ratio | 21.5579% | 1,412 |
| Total risk-based capital ratio | 22.1936% | 1,504 |
| Memoranda: | ||
| Average total assets | $178,553,000 | 3,373 |
| Average earning assets | $162,904,250 | 3,369 |
| Average equity | $21,662,500 | 3,041 |
| Average total loans | $137,829,750 | 2,777 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1046% | 1,493 |
| Cost of funding earning assets | 1.2479% | 656 |
| Net interest margin | 3.8566% | 3,106 |
| Noninterest income to average assets | 0.6055% | 3,224 |
| Noninterest expense to average assets | 2.9355% | 3,491 |
| Loan and lease loss provision to assets | 0.1119% | 4,129 |
| Net operating income to assets | 0.6995% | 3,872 |
| Return on assets (ROA) | 0.6995% | 4,139 |
| Pretax return on assets | 1.0755% | 3,391 |
| Return on Equity (ROE) | 5.8041% | 4,416 |
| Retained earnings to average equity (ytd only) | 5.8041% | 2,824 |
| Net charge-offs to loans | 0.2672% | 2,981 |
| Credit loss provision to net charge-offs | 54.0541% | 3,953 |
| Earnings coverage of net charge-offs (x) | 5.7351% | 2,768 |
| Efficiency ratio | 71.1998% | 3,568 |
| Assets per employee ($millions) | 2.9147% | 6,211 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4904% | 7,030 |
| Loan loss allowance to noncurrent loans | 84.6835% | 3,630 |
| Noncurrent assets plus other real estate owned to assets | 1.3491% | 3,741 |
| Noncurrent loans to loans | 0.5790% | 5,355 |
| Net loans and leases to total assets | 75.1274% | 1,086 |
| Net loans and leases to deposits | 103.5956% | 287 |
| Net loans and leases to core deposits | 109.0029% | 615 |
| Total domestic deposits to total assets | 72.5199% | 6,775 |
| Equity capital to assets | 12.0929% | 2,079 |
| Core capital (leverage) ratio | 12.0929% | 1,560 |
| Tier 1 risk-based capital ratio | 19.7295% | 1,779 |
| Total risk-based capital ratio | 20.3552% | 1,919 |
| Memoranda: | ||
| Average total assets | $178,707,670 | 3,373 |
| Average earning assets | $162,991,330 | 3,371 |
| Average equity | $21,536,330 | 3,040 |
| Average total loans | $138,479,000 | 2,780 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2167% | 1,278 |
| Cost of funding earning assets | 1.2673% | 727 |
| Net interest margin | 3.9493% | 2,722 |
| Noninterest income to average assets | 0.5762% | 3,368 |
| Noninterest expense to average assets | 2.9329% | 3,497 |
| Loan and lease loss provision to assets | 0.2251% | 2,698 |
| Net operating income to assets | 0.6753% | 4,007 |
| Return on assets (ROA) | 0.6753% | 4,219 |
| Pretax return on assets | 1.0377% | 3,542 |
| Return on Equity (ROE) | 5.6132% | 4,490 |
| Retained earnings to average equity (ytd only) | 5.6132% | 3,190 |
| Net charge-offs to loans | 0.3125% | 2,401 |
| Credit loss provision to net charge-offs | 91.7431% | 2,516 |
| Earnings coverage of net charge-offs (x) | 5.1468% | 2,430 |
| Efficiency ratio | 69.9034% | 3,832 |
| Assets per employee ($millions) | 2.8913% | 6,366 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5422% | 7,032 |
| Loan loss allowance to noncurrent loans | 108.7591% | 2,840 |
| Noncurrent assets plus other real estate owned to assets | 1.6278% | 3,408 |
| Noncurrent loans to loans | 0.4985% | 5,676 |
| Net loans and leases to total assets | 76.2358% | 777 |
| Net loans and leases to deposits | 105.3516% | 221 |
| Net loans and leases to core deposits | 110.9036% | 501 |
| Total domestic deposits to total assets | 72.3632% | 6,860 |
| Equity capital to assets | 12.0093% | 2,033 |
| Core capital (leverage) ratio | 12.0093% | 1,579 |
| Tier 1 risk-based capital ratio | 19.1314% | 1,953 |
| Total risk-based capital ratio | 19.8166% | 2,091 |
| Memoranda: | ||
| Average total assets | $177,707,000 | 3,413 |
| Average earning assets | $162,863,000 | 3,396 |
| Average equity | $21,378,000 | 3,062 |
| Average total loans | $139,503,000 | 2,790 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4977% | 1,177 |
| Cost of funding earning assets | 1.4647% | 823 |
| Net interest margin | 4.0330% | 2,717 |
| Noninterest income to average assets | 0.5988% | 3,169 |
| Noninterest expense to average assets | 2.9854% | 3,642 |
| Loan and lease loss provision to assets | 0.2015% | 4,168 |
| Net operating income to assets | 0.7170% | 3,407 |
| Return on assets (ROA) | 0.7170% | 3,581 |
| Pretax return on assets | 1.1148% | 2,782 |
| Return on Equity (ROE) | 6.0899% | 3,825 |
| Retained earnings to average equity (ytd only) | 6.0899% | 1,968 |
| Net charge-offs to loans | 0.1586% | 4,878 |
| Credit loss provision to net charge-offs | 156.8889% | 1,785 |
| Earnings coverage of net charge-offs (x) | 10.2489% | 1,865 |
| Efficiency ratio | 69.4002% | 4,070 |
| Assets per employee ($millions) | 2.7100% | 6,597 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5318% | 7,078 |
| Loan loss allowance to noncurrent loans | 37.7633% | 5,738 |
| Noncurrent assets plus other real estate owned to assets | 2.0959% | 2,850 |
| Noncurrent loans to loans | 1.4082% | 4,041 |
| Net loans and leases to total assets | 79.9572% | 497 |
| Net loans and leases to deposits | 111.9886% | 145 |
| Net loans and leases to core deposits | 117.0759% | 419 |
| Total domestic deposits to total assets | 71.3976% | 6,905 |
| Equity capital to assets | 12.0509% | 2,085 |
| Core capital (leverage) ratio | 12.0509% | 1,563 |
| Tier 1 risk-based capital ratio | 17.8174% | 2,258 |
| Total risk-based capital ratio | 18.4494% | 2,474 |
| Memoranda: | ||
| Average total assets | $175,185,400 | 3,408 |
| Average earning assets | $160,848,800 | 3,386 |
| Average equity | $20,624,400 | 3,050 |
| Average total loans | $141,839,200 | 2,756 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5403% | 1,160 |
| Cost of funding earning assets | 1.4925% | 892 |
| Net interest margin | 4.0478% | 2,697 |
| Noninterest income to average assets | 0.5990% | 3,163 |
| Noninterest expense to average assets | 3.0066% | 3,533 |
| Loan and lease loss provision to assets | 0.1166% | 4,975 |
| Net operating income to assets | 0.7766% | 3,272 |
| Return on assets (ROA) | 0.7766% | 3,435 |
| Pretax return on assets | 1.1943% | 2,652 |
| Return on Equity (ROE) | 6.6360% | 3,695 |
| Retained earnings to average equity (ytd only) | 6.6360% | 2,177 |
| Net charge-offs to loans | 0.1287% | 4,759 |
| Credit loss provision to net charge-offs | 111.6788% | 2,937 |
| Earnings coverage of net charge-offs (x) | 12.5549% | 1,694 |
| Efficiency ratio | 69.6381% | 4,012 |
| Assets per employee ($millions) | 2.7275% | 6,612 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4482% | 7,197 |
| Loan loss allowance to noncurrent loans | 27.4359% | 6,387 |
| Noncurrent assets plus other real estate owned to assets | 2.1112% | 3,018 |
| Noncurrent loans to loans | 1.6337% | 3,840 |
| Net loans and leases to total assets | 80.4292% | 477 |
| Net loans and leases to deposits | 114.4121% | 125 |
| Net loans and leases to core deposits | 119.6581% | 396 |
| Total domestic deposits to total assets | 70.2978% | 7,026 |
| Equity capital to assets | 11.8399% | 2,384 |
| Core capital (leverage) ratio | 11.8399% | 1,803 |
| Tier 1 risk-based capital ratio | 17.7419% | 2,351 |
| Total risk-based capital ratio | 18.2846% | 2,592 |
| Memoranda: | ||
| Average total assets | $174,943,500 | 3,430 |
| Average earning assets | $160,709,750 | 3,413 |
| Average equity | $20,473,500 | 3,079 |
| Average total loans | $141,899,000 | 2,779 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5433% | 1,204 |
| Cost of funding earning assets | 1.5200% | 937 |
| Net interest margin | 4.0233% | 2,724 |
| Noninterest income to average assets | 0.5971% | 3,163 |
| Noninterest expense to average assets | 3.0443% | 3,459 |
| Loan and lease loss provision to assets | 0.0609% | 5,544 |
| Net operating income to assets | 0.7705% | 3,198 |
| Return on assets (ROA) | 0.7705% | 3,332 |
| Pretax return on assets | 1.1851% | 2,539 |
| Return on Equity (ROE) | 6.6105% | 3,640 |
| Retained earnings to average equity (ytd only) | 6.6105% | 2,077 |
| Net charge-offs to loans | 0.0622% | 5,027 |
| Credit loss provision to net charge-offs | 120.4545% | 2,536 |
| Earnings coverage of net charge-offs (x) | 24.6591% | 1,056 |
| Efficiency ratio | 70.9582% | 3,938 |
| Assets per employee ($millions) | 2.7013% | 6,639 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4508% | 7,257 |
| Loan loss allowance to noncurrent loans | 44.1197% | 5,379 |
| Noncurrent assets plus other real estate owned to assets | 1.9438% | 3,317 |
| Noncurrent loans to loans | 1.0217% | 4,950 |
| Net loans and leases to total assets | 79.7427% | 555 |
| Net loans and leases to deposits | 113.9248% | 126 |
| Net loans and leases to core deposits | 119.4216% | 434 |
| Total domestic deposits to total assets | 69.9959% | 7,112 |
| Equity capital to assets | 11.7566% | 2,279 |
| Core capital (leverage) ratio | 11.7566% | 1,742 |
| Tier 1 risk-based capital ratio | 17.6655% | 2,279 |
| Total risk-based capital ratio | 18.2080% | 2,511 |
| Memoranda: | ||
| Average total assets | $174,161,330 | 3,464 |
| Average earning assets | $159,869,000 | 3,448 |
| Average equity | $20,301,000 | 3,086 |
| Average total loans | $141,453,670 | 2,816 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5587% | 1,157 |
| Cost of funding earning assets | 1.5338% | 1,038 |
| Net interest margin | 4.0249% | 2,588 |
| Noninterest income to average assets | 0.5627% | 3,417 |
| Noninterest expense to average assets | 3.1456% | 3,089 |
| Loan and lease loss provision to assets | 0.0069% | 5,793 |
| Net operating income to assets | 0.7241% | 3,411 |
| Return on assets (ROA) | 0.7241% | 3,473 |
| Pretax return on assets | 1.1139% | 2,708 |
| Return on Equity (ROE) | 6.2394% | 3,761 |
| Retained earnings to average equity (ytd only) | 6.2394% | 2,503 |
| Net charge-offs to loans | 0.1325% | 3,717 |
| Credit loss provision to net charge-offs | 6.3830% | 4,417 |
| Earnings coverage of net charge-offs (x) | 10.3404% | 1,643 |
| Efficiency ratio | 73.7297% | 3,563 |
| Assets per employee ($millions) | 2.7174% | 6,673 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4108% | 7,345 |
| Loan loss allowance to noncurrent loans | 38.1139% | 5,759 |
| Noncurrent assets plus other real estate owned to assets | 1.5677% | 3,898 |
| Noncurrent loans to loans | 1.0779% | 4,893 |
| Net loans and leases to total assets | 79.8771% | 522 |
| Net loans and leases to deposits | 114.2423% | 128 |
| Net loans and leases to core deposits | 119.7185% | 424 |
| Total domestic deposits to total assets | 69.9190% | 7,181 |
| Equity capital to assets | 11.4856% | 2,287 |
| Core capital (leverage) ratio | 11.4856% | 1,855 |
| Tier 1 risk-based capital ratio | 17.0396% | 2,453 |
| Total risk-based capital ratio | 17.5284% | 2,729 |
| Memoranda: | ||
| Average total assets | $173,449,000 | 3,496 |
| Average earning assets | $159,606,500 | 3,476 |
| Average equity | $20,130,000 | 3,091 |
| Average total loans | $141,855,000 | 2,847 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9052% | 1,033 |
| Cost of funding earning assets | 1.8070% | 1,141 |
| Net interest margin | 4.0982% | 2,567 |
| Noninterest income to average assets | 0.6585% | 3,093 |
| Noninterest expense to average assets | 2.9781% | 3,934 |
| Loan and lease loss provision to assets | 0.3041% | 4,371 |
| Net operating income to assets | 0.7679% | 2,925 |
| Return on assets (ROA) | 0.7679% | 3,050 |
| Pretax return on assets | 1.1527% | 2,385 |
| Return on Equity (ROE) | 6.7904% | 3,220 |
| Retained earnings to average equity (ytd only) | 6.7904% | 1,412 |
| Net charge-offs to loans | 0.2442% | 4,823 |
| Credit loss provision to net charge-offs | 151.6035% | 2,375 |
| Earnings coverage of net charge-offs (x) | 7.2624% | 2,167 |
| Efficiency ratio | 67.1502% | 4,731 |
| Assets per employee ($millions) | 2.6195% | 6,822 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4407% | 7,398 |
| Loan loss allowance to noncurrent loans | 27.5165% | 6,436 |
| Noncurrent assets plus other real estate owned to assets | 1.8442% | 3,569 |
| Noncurrent loans to loans | 1.6017% | 4,098 |
| Net loans and leases to total assets | 83.0544% | 377 |
| Net loans and leases to deposits | 118.0997% | 125 |
| Net loans and leases to core deposits | 123.3999% | 437 |
| Total domestic deposits to total assets | 70.3256% | 7,221 |
| Equity capital to assets | 11.7303% | 2,099 |
| Core capital (leverage) ratio | 11.7303% | 1,710 |
| Tier 1 risk-based capital ratio | 16.8232% | 2,415 |
| Total risk-based capital ratio | 17.3505% | 2,659 |
| Memoranda: | ||
| Average total assets | $170,982,800 | 3,518 |
| Average earning assets | $157,557,000 | 3,495 |
| Average equity | $19,336,000 | 3,237 |
| Average total loans | $140,448,200 | 2,943 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9179% | 1,089 |
| Cost of funding earning assets | 1.8771% | 1,103 |
| Net interest margin | 4.0408% | 2,904 |
| Noninterest income to average assets | 0.6053% | 3,410 |
| Noninterest expense to average assets | 2.9507% | 3,919 |
| Loan and lease loss provision to assets | 0.0943% | 6,078 |
| Net operating income to assets | 0.8351% | 2,860 |
| Return on assets (ROA) | 0.8351% | 2,990 |
| Pretax return on assets | 1.2845% | 2,212 |
| Return on Equity (ROE) | 7.4533% | 3,123 |
| Retained earnings to average equity (ytd only) | 7.4533% | 1,616 |
| Net charge-offs to loans | 0.0543% | 5,983 |
| Credit loss provision to net charge-offs | 212.2807% | 1,653 |
| Earnings coverage of net charge-offs (x) | 31.0518% | 861 |
| Efficiency ratio | 68.1540% | 4,441 |
| Assets per employee ($millions) | 2.6742% | 6,812 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3611% | 7,563 |
| Loan loss allowance to noncurrent loans | 41.5721% | 5,521 |
| Noncurrent assets plus other real estate owned to assets | 1.1610% | 4,798 |
| Noncurrent loans to loans | 0.8686% | 5,484 |
| Net loans and leases to total assets | 82.7042% | 430 |
| Net loans and leases to deposits | 117.9064% | 135 |
| Net loans and leases to core deposits | 122.6435% | 535 |
| Total domestic deposits to total assets | 70.1439% | 7,267 |
| Equity capital to assets | 11.5290% | 2,510 |
| Core capital (leverage) ratio | 11.5290% | 1,922 |
| Tier 1 risk-based capital ratio | 16.6261% | 2,497 |
| Total risk-based capital ratio | 17.0583% | 2,803 |
| Memoranda: | ||
| Average total assets | $171,161,500 | 3,554 |
| Average earning assets | $157,754,750 | 3,538 |
| Average equity | $19,176,750 | 3,295 |
| Average total loans | $140,050,000 | 2,981 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8690% | 1,256 |
| Cost of funding earning assets | 1.9458% | 1,056 |
| Net interest margin | 3.9232% | 3,341 |
| Noninterest income to average assets | 0.6193% | 3,202 |
| Noninterest expense to average assets | 2.9282% | 3,966 |
| Loan and lease loss provision to assets | 0.0713% | 6,232 |
| Net operating income to assets | 0.8062% | 2,941 |
| Return on assets (ROA) | 0.8062% | 3,087 |
| Pretax return on assets | 1.2409% | 2,286 |
| Return on Equity (ROE) | 7.2663% | 3,191 |
| Retained earnings to average equity (ytd only) | 7.2663% | 1,726 |
| Net charge-offs to loans | 0.0201% | 6,062 |
| Credit loss provision to net charge-offs | 435.7143% | 828 |
| Earnings coverage of net charge-offs (x) | 80.2143% | 395 |
| Efficiency ratio | 69.0548% | 4,369 |
| Assets per employee ($millions) | 2.6953% | 6,789 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3514% | 7,633 |
| Loan loss allowance to noncurrent loans | 25.5658% | 6,638 |
| Noncurrent assets plus other real estate owned to assets | 1.1820% | 4,773 |
| Noncurrent loans to loans | 1.3747% | 4,646 |
| Net loans and leases to total assets | 81.6936% | 573 |
| Net loans and leases to deposits | 118.6257% | 144 |
| Net loans and leases to core deposits | 123.4377% | 585 |
| Total domestic deposits to total assets | 68.8667% | 7,393 |
| Equity capital to assets | 11.2147% | 2,677 |
| Core capital (leverage) ratio | 11.2147% | 2,090 |
| Tier 1 risk-based capital ratio | 16.5609% | 2,451 |
| Total risk-based capital ratio | 16.9864% | 2,755 |
| Memoranda: | ||
| Average total assets | $171,165,000 | 3,584 |
| Average earning assets | $157,981,670 | 3,556 |
| Average equity | $18,991,670 | 3,304 |
| Average total loans | $139,379,330 | 3,027 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8695% | 1,272 |
| Cost of funding earning assets | 2.0073% | 1,062 |
| Net interest margin | 3.8622% | 3,500 |
| Noninterest income to average assets | 0.6100% | 3,209 |
| Noninterest expense to average assets | 2.9443% | 3,887 |
| Loan and lease loss provision to assets | 0.0751% | 5,889 |
| Net operating income to assets | 0.7507% | 3,206 |
| Return on assets (ROA) | 0.7507% | 3,310 |
| Pretax return on assets | 1.1566% | 2,528 |
| Return on Equity (ROE) | 6.8031% | 3,447 |
| Retained earnings to average equity (ytd only) | 6.8031% | 2,215 |
| Net charge-offs to loans | 0.0434% | 4,988 |
| Credit loss provision to net charge-offs | 213.3333% | 1,754 |
| Earnings coverage of net charge-offs (x) | 35.0000% | 779 |
| Efficiency ratio | 70.5056% | 4,221 |
| Assets per employee ($millions) | 2.7144% | 6,834 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3350% | 7,733 |
| Loan loss allowance to noncurrent loans | 20.0777% | 7,006 |
| Noncurrent assets plus other real estate owned to assets | 1.3475% | 4,496 |
| Noncurrent loans to loans | 1.6685% | 4,244 |
| Net loans and leases to total assets | 79.6355% | 886 |
| Net loans and leases to deposits | 115.8153% | 181 |
| Net loans and leases to core deposits | 120.2193% | 776 |
| Total domestic deposits to total assets | 68.7608% | 7,481 |
| Equity capital to assets | 10.9225% | 2,833 |
| Core capital (leverage) ratio | 10.9225% | 2,277 |
| Tier 1 risk-based capital ratio | 16.1965% | 2,567 |
| Total risk-based capital ratio | 16.5934% | 2,896 |
| Memoranda: | ||
| Average total assets | $170,499,000 | 3,654 |
| Average earning assets | $157,425,000 | 3,619 |
| Average equity | $18,815,000 | 3,343 |
| Average total loans | $138,361,000 | 3,101 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1979% | 1,244 |
| Cost of funding earning assets | 2.4010% | 1,300 |
| Net interest margin | 3.7969% | 3,719 |
| Noninterest income to average assets | 0.6460% | 3,319 |
| Noninterest expense to average assets | 2.9940% | 4,164 |
| Loan and lease loss provision to assets | 0.0917% | 6,685 |
| Net operating income to assets | 0.6937% | 2,959 |
| Return on assets (ROA) | 0.6937% | 3,030 |
| Pretax return on assets | 1.0628% | 2,366 |
| Return on Equity (ROE) | 6.2904% | 3,083 |
| Retained earnings to average equity (ytd only) | 6.2904% | 1,233 |
| Net charge-offs to loans | 0.0481% | 6,617 |
| Credit loss provision to net charge-offs | 227.2727% | 1,638 |
| Earnings coverage of net charge-offs (x) | 28.6212% | 799 |
| Efficiency ratio | 72.1715% | 4,239 |
| Assets per employee ($millions) | 2.6137% | 7,016 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3256% | 7,812 |
| Loan loss allowance to noncurrent loans | 25.0418% | 6,795 |
| Noncurrent assets plus other real estate owned to assets | 1.1867% | 4,730 |
| Noncurrent loans to loans | 1.3001% | 4,757 |
| Net loans and leases to total assets | 82.1777% | 662 |
| Net loans and leases to deposits | 119.2967% | 183 |
| Net loans and leases to core deposits | 152.5779% | 448 |
| Total domestic deposits to total assets | 68.8852% | 7,496 |
| Equity capital to assets | 11.1524% | 2,578 |
| Core capital (leverage) ratio | 11.1524% | 2,142 |
| Tier 1 risk-based capital ratio | 16.0527% | 2,501 |
| Total risk-based capital ratio | 16.4391% | 2,808 |
| Memoranda: | ||
| Average total assets | $163,625,200 | 3,704 |
| Average earning assets | $150,938,000 | 3,696 |
| Average equity | $18,043,400 | 3,501 |
| Average total loans | $137,170,800 | 3,133 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2070% | 1,361 |
| Cost of funding earning assets | 2.5050% | 1,282 |
| Net interest margin | 3.7020% | 4,062 |
| Noninterest income to average assets | 0.6539% | 3,327 |
| Noninterest expense to average assets | 3.0220% | 3,963 |
| Loan and lease loss provision to assets | 0.0754% | 6,606 |
| Net operating income to assets | 0.6121% | 3,567 |
| Return on assets (ROA) | 0.6121% | 3,611 |
| Pretax return on assets | 0.9702% | 2,992 |
| Return on Equity (ROE) | 5.5671% | 3,708 |
| Retained earnings to average equity (ytd only) | 5.5671% | 2,167 |
| Net charge-offs to loans | 0.0701% | 5,989 |
| Credit loss provision to net charge-offs | 127.7778% | 3,926 |
| Earnings coverage of net charge-offs (x) | 17.7218% | 1,389 |
| Efficiency ratio | 74.2949% | 3,819 |
| Assets per employee ($millions) | 2.6111% | 7,026 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2839% | 7,912 |
| Loan loss allowance to noncurrent loans | 30.0781% | 6,454 |
| Noncurrent assets plus other real estate owned to assets | 0.7951% | 5,526 |
| Noncurrent loans to loans | 0.9440% | 5,411 |
| Net loans and leases to total assets | 82.1931% | 774 |
| Net loans and leases to deposits | 118.6444% | 225 |
| Net loans and leases to core deposits | 153.0501% | 511 |
| Total domestic deposits to total assets | 69.2768% | 7,474 |
| Equity capital to assets | 11.1053% | 2,918 |
| Core capital (leverage) ratio | 11.1053% | 2,329 |
| Tier 1 risk-based capital ratio | 15.9641% | 2,641 |
| Total risk-based capital ratio | 16.3005% | 2,955 |
| Memoranda: | ||
| Average total assets | $162,713,000 | 3,749 |
| Average earning assets | $150,041,750 | 3,726 |
| Average equity | $17,890,500 | 3,552 |
| Average total loans | $136,985,750 | 3,176 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3171% | 1,163 |
| Cost of funding earning assets | 2.5991% | 1,284 |
| Net interest margin | 3.7180% | 3,881 |
| Noninterest income to average assets | 0.6501% | 3,343 |
| Noninterest expense to average assets | 3.0718% | 3,807 |
| Loan and lease loss provision to assets | 0.0753% | 6,437 |
| Net operating income to assets | 0.5860% | 3,737 |
| Return on assets (ROA) | 0.5860% | 3,846 |
| Pretax return on assets | 0.9302% | 3,241 |
| Return on Equity (ROE) | 5.3477% | 3,938 |
| Retained earnings to average equity (ytd only) | 5.3477% | 2,323 |
| Net charge-offs to loans | 0.0611% | 5,645 |
| Credit loss provision to net charge-offs | 145.2381% | 3,188 |
| Earnings coverage of net charge-offs (x) | 19.4048% | 1,368 |
| Efficiency ratio | 75.3404% | 3,820 |
| Assets per employee ($millions) | 2.6382% | 6,980 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2820% | 8,002 |
| Loan loss allowance to noncurrent loans | 30.2600% | 6,454 |
| Noncurrent assets plus other real estate owned to assets | 0.9187% | 5,137 |
| Noncurrent loans to loans | 0.9320% | 5,354 |
| Net loans and leases to total assets | 81.6932% | 1,013 |
| Net loans and leases to deposits | 115.8702% | 334 |
| Net loans and leases to core deposits | 147.2482% | 721 |
| Total domestic deposits to total assets | 70.5041% | 7,421 |
| Equity capital to assets | 10.8287% | 3,082 |
| Core capital (leverage) ratio | 10.8287% | 2,545 |
| Tier 1 risk-based capital ratio | 15.5183% | 2,803 |
| Total risk-based capital ratio | 15.8494% | 3,135 |
| Memoranda: | ||
| Average total assets | $162,118,000 | 3,778 |
| Average earning assets | $149,436,330 | 3,759 |
| Average equity | $17,764,670 | 3,581 |
| Average total loans | $137,450,670 | 3,196 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4556% | 946 |
| Cost of funding earning assets | 2.6675% | 1,353 |
| Net interest margin | 3.7882% | 3,499 |
| Noninterest income to average assets | 0.6572% | 3,159 |
| Noninterest expense to average assets | 3.0736% | 3,474 |
| Loan and lease loss provision to assets | 0.0800% | 5,951 |
| Net operating income to assets | 0.6247% | 3,915 |
| Return on assets (ROA) | 0.6247% | 4,095 |
| Pretax return on assets | 0.9920% | 3,379 |
| Return on Equity (ROE) | 5.6664% | 4,188 |
| Retained earnings to average equity (ytd only) | 5.6664% | 2,792 |
| Net charge-offs to loans | 0.0290% | 5,120 |
| Credit loss provision to net charge-offs | 320.0000% | 1,538 |
| Earnings coverage of net charge-offs (x) | 42.9000% | 804 |
| Efficiency ratio | 74.1410% | 3,801 |
| Assets per employee ($millions) | 2.5506% | 7,183 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2812% | 8,044 |
| Loan loss allowance to noncurrent loans | 37.3913% | 6,061 |
| Noncurrent assets plus other real estate owned to assets | 0.7608% | 5,260 |
| Noncurrent loans to loans | 0.7521% | 5,549 |
| Net loans and leases to total assets | 84.0598% | 680 |
| Net loans and leases to deposits | 118.6737% | 320 |
| Net loans and leases to core deposits | 152.3583% | 637 |
| Total domestic deposits to total assets | 70.8327% | 7,344 |
| Equity capital to assets | 10.8876% | 3,085 |
| Core capital (leverage) ratio | 10.8876% | 2,592 |
| Tier 1 risk-based capital ratio | 15.1940% | 2,972 |
| Total risk-based capital ratio | 15.5248% | 3,373 |
| Memoranda: | ||
| Average total assets | $160,074,000 | 3,837 |
| Average earning assets | $147,406,000 | 3,804 |
| Average equity | $17,648,000 | 3,615 |
| Average total loans | $138,094,500 | 3,208 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9271% | 1,322 |
| Cost of funding earning assets | 3.0153% | 1,818 |
| Net interest margin | 3.9119% | 3,508 |
| Noninterest income to average assets | 0.6992% | 3,128 |
| Noninterest expense to average assets | 3.1882% | 3,376 |
| Loan and lease loss provision to assets | 0.0346% | 6,974 |
| Net operating income to assets | 0.6743% | 4,010 |
| Return on assets (ROA) | 0.6743% | 3,845 |
| Pretax return on assets | 1.0777% | 3,108 |
| Return on Equity (ROE) | 6.1836% | 3,871 |
| Retained earnings to average equity (ytd only) | 6.1836% | 1,448 |
| Net charge-offs to loans | 0.1380% | 4,844 |
| Credit loss provision to net charge-offs | 28.5714% | 6,537 |
| Earnings coverage of net charge-offs (x) | 9.1905% | 2,737 |
| Efficiency ratio | 74.1364% | 3,549 |
| Assets per employee ($millions) | 2.4906% | 7,214 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2699% | 8,110 |
| Loan loss allowance to noncurrent loans | 23.6859% | 7,067 |
| Noncurrent assets plus other real estate owned to assets | 1.0643% | 4,162 |
| Noncurrent loans to loans | 1.1394% | 4,266 |
| Net loans and leases to total assets | 88.0827% | 361 |
| Net loans and leases to deposits | 122.7283% | 332 |
| Net loans and leases to core deposits | 159.5512% | 583 |
| Total domestic deposits to total assets | 71.7705% | 7,040 |
| Equity capital to assets | 11.1678% | 2,903 |
| Core capital (leverage) ratio | 11.1678% | 2,451 |
| Tier 1 risk-based capital ratio | 14.7292% | 3,188 |
| Total risk-based capital ratio | 15.0435% | 3,568 |
| Memoranda: | ||
| Average total assets | $156,168,200 | 3,781 |
| Average earning assets | $143,767,800 | 3,765 |
| Average equity | $17,029,000 | 3,735 |
| Average total loans | $136,929,800 | 3,144 |