Home > Wakefield Co-operative Bank > Performance and Condition Ratios
Wakefield Co-operative Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 3 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3586% | 4,021 |
| Cost of funding earning assets | 2.4735% | 904 |
| Net interest margin | 1.8851% | 4,320 |
| Noninterest income to average assets | 0.1800% | 3,674 |
| Noninterest expense to average assets | 2.4495% | 2,459 |
| Loan and lease loss provision to assets | -0.0100% | 4,145 |
| Net operating income to assets | -0.3419% | 4,291 |
| Return on assets (ROA) | -0.3419% | 4,322 |
| Pretax return on assets | -0.4663% | 4,333 |
| Return on Equity (ROE) | -5.7500% | 4,343 |
| Retained earnings to average equity (ytd only) | -5.7522% | 4,116 |
| Net charge-offs to loans | 0.0016% | 2,263 |
| Credit loss provision to net charge-offs | -700.0000% | 4,437 |
| Earnings coverage of net charge-offs (x) | -363.0000% | 4,490 |
| Efficiency ratio | 124.0876% | 111 |
| Assets per employee ($millions) | 10.1926% | 745 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6934% | 4,050 |
| Loan loss allowance to noncurrent loans | 169.7381% | 2,336 |
| Noncurrent assets plus other real estate owned to assets | 0.3372% | 1,961 |
| Noncurrent loans to loans | 0.4085% | 2,093 |
| Net loans and leases to total assets | 81.9700% | 404 |
| Net loans and leases to deposits | 96.0252% | 616 |
| Net loans and leases to core deposits | 133.7505% | 282 |
| Total domestic deposits to total assets | 85.3600% | 2,526 |
| Equity capital to assets | 5.9095% | 4,264 |
| Core capital (leverage) ratio | 6.7706% | 4,413 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9486% | 2,229 |
| Memoranda: | ||
| Average total assets | $305,369,000 | 2,459 |
| Average earning assets | $290,918,000 | 2,417 |
| Average equity | $18,149,500 | 3,134 |
| Average total loans | $252,362,500 | 2,108 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 2 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4314% | 3,943 |
| Cost of funding earning assets | 2.6306% | 920 |
| Net interest margin | 1.8007% | 4,328 |
| Noninterest income to average assets | 0.2100% | 3,644 |
| Noninterest expense to average assets | 2.3981% | 2,578 |
| Loan and lease loss provision to assets | -0.1000% | 4,367 |
| Net operating income to assets | -0.2694% | 4,305 |
| Return on assets (ROA) | -0.2689% | 4,331 |
| Pretax return on assets | -0.3735% | 4,337 |
| Return on Equity (ROE) | -4.4800% | 4,346 |
| Retained earnings to average equity (ytd only) | -4.4830% | 4,269 |
| Net charge-offs to loans | 0.0008% | 3,038 |
| Credit loss provision to net charge-offs | -21,350.0000% | 4,511 |
| Earnings coverage of net charge-offs (x) | -744.5000% | 4,514 |
| Efficiency ratio | 124.7713% | 120 |
| Assets per employee ($millions) | 8.9694% | 1,070 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6967% | 4,065 |
| Loan loss allowance to noncurrent loans | 169.0385% | 2,378 |
| Noncurrent assets plus other real estate owned to assets | 0.3410% | 1,896 |
| Noncurrent loans to loans | 0.4122% | 2,045 |
| Net loans and leases to total assets | 82.1700% | 420 |
| Net loans and leases to deposits | 96.6486% | 667 |
| Net loans and leases to core deposits | 130.1649% | 369 |
| Total domestic deposits to total assets | 85.0200% | 2,533 |
| Equity capital to assets | 5.9775% | 4,212 |
| Core capital (leverage) ratio | 6.7770% | 4,435 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0649% | 2,190 |
| Memoranda: | ||
| Average total assets | $312,753,800 | 2,404 |
| Average earning assets | $297,987,800 | 2,361 |
| Average equity | $18,759,600 | 3,051 |
| Average total loans | $258,380,400 | 2,032 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4265% | 3,926 |
| Cost of funding earning assets | 2.6176% | 952 |
| Net interest margin | 1.8088% | 4,350 |
| Noninterest income to average assets | 0.2100% | 3,632 |
| Noninterest expense to average assets | 2.3471% | 2,664 |
| Loan and lease loss provision to assets | -0.0700% | 4,341 |
| Net operating income to assets | -0.2511% | 4,339 |
| Return on assets (ROA) | -0.2504% | 4,360 |
| Pretax return on assets | -0.3500% | 4,369 |
| Return on Equity (ROE) | -4.1700% | 4,365 |
| Retained earnings to average equity (ytd only) | -4.1709% | 4,308 |
| Net charge-offs to loans | 0.0010% | 2,783 |
| Credit loss provision to net charge-offs | -13,150.0000% | 4,536 |
| Earnings coverage of net charge-offs (x) | -491.5000% | 4,541 |
| Efficiency ratio | 121.5712% | 128 |
| Assets per employee ($millions) | 9.4972% | 895 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7512% | 4,012 |
| Loan loss allowance to noncurrent loans | 182.9686% | 2,345 |
| Noncurrent assets plus other real estate owned to assets | 0.3353% | 1,876 |
| Noncurrent loans to loans | 0.4105% | 2,050 |
| Net loans and leases to total assets | 81.0700% | 507 |
| Net loans and leases to deposits | 95.0592% | 783 |
| Net loans and leases to core deposits | 129.4444% | 400 |
| Total domestic deposits to total assets | 85.2800% | 2,206 |
| Equity capital to assets | 6.0528% | 4,324 |
| Core capital (leverage) ratio | 6.7336% | 4,465 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0090% | 2,240 |
| Memoranda: | ||
| Average total assets | $314,702,500 | 2,384 |
| Average earning assets | $299,856,000 | 2,340 |
| Average equity | $18,892,250 | 3,044 |
| Average total loans | $259,892,500 | 2,012 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 2 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4295% | 3,878 |
| Cost of funding earning assets | 2.5845% | 943 |
| Net interest margin | 1.8450% | 4,350 |
| Noninterest income to average assets | 0.2000% | 3,684 |
| Noninterest expense to average assets | 2.3514% | 2,648 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | -0.2793% | 4,364 |
| Return on assets (ROA) | -0.2818% | 4,391 |
| Pretax return on assets | -0.3897% | 4,399 |
| Return on Equity (ROE) | -4.7100% | 4,406 |
| Retained earnings to average equity (ytd only) | -4.7068% | 4,302 |
| Net charge-offs to loans | 0.0015% | 2,530 |
| Credit loss provision to net charge-offs | -6,650.0000% | 4,555 |
| Earnings coverage of net charge-offs (x) | -307.5000% | 4,560 |
| Efficiency ratio | 119.9029% | 136 |
| Assets per employee ($millions) | 8.9204% | 1,032 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7924% | 3,953 |
| Loan loss allowance to noncurrent loans | 329.0064% | 1,712 |
| Noncurrent assets plus other real estate owned to assets | 0.1999% | 2,406 |
| Noncurrent loans to loans | 0.2409% | 2,518 |
| Net loans and leases to total assets | 82.3200% | 448 |
| Net loans and leases to deposits | 96.3839% | 772 |
| Net loans and leases to core deposits | 130.7650% | 391 |
| Total domestic deposits to total assets | 85.4100% | 2,187 |
| Equity capital to assets | 5.9341% | 4,221 |
| Core capital (leverage) ratio | 6.8064% | 4,480 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9065% | 2,286 |
| Memoranda: | ||
| Average total assets | $315,134,000 | 2,369 |
| Average earning assets | $299,943,000 | 2,323 |
| Average equity | $18,866,333 | 3,027 |
| Average total loans | $261,189,000 | 2,000 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4462% | 3,760 |
| Cost of funding earning assets | 2.5545% | 901 |
| Net interest margin | 1.8917% | 4,359 |
| Noninterest income to average assets | 0.2000% | 3,639 |
| Noninterest expense to average assets | 2.3058% | 2,780 |
| Loan and lease loss provision to assets | -0.0200% | 4,249 |
| Net operating income to assets | -0.2065% | 4,383 |
| Return on assets (ROA) | -0.2085% | 4,370 |
| Pretax return on assets | -0.2843% | 4,377 |
| Return on Equity (ROE) | -3.4700% | 4,388 |
| Retained earnings to average equity (ytd only) | -3.4671% | 4,037 |
| Net charge-offs to loans | 0.0015% | 2,158 |
| Credit loss provision to net charge-offs | -1,900.0000% | 4,557 |
| Earnings coverage of net charge-offs (x) | -242.0000% | 4,590 |
| Efficiency ratio | 115.2874% | 141 |
| Assets per employee ($millions) | 8.9710% | 1,026 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8335% | 3,874 |
| Loan loss allowance to noncurrent loans | 399.2634% | 1,580 |
| Noncurrent assets plus other real estate owned to assets | 0.1729% | 2,498 |
| Noncurrent loans to loans | 0.2088% | 2,587 |
| Net loans and leases to total assets | 82.1500% | 404 |
| Net loans and leases to deposits | 97.8889% | 594 |
| Net loans and leases to core deposits | 128.6994% | 441 |
| Total domestic deposits to total assets | 83.9300% | 2,732 |
| Equity capital to assets | 6.0108% | 4,199 |
| Core capital (leverage) ratio | 6.8134% | 4,510 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8607% | 2,289 |
| Memoranda: | ||
| Average total assets | $316,594,500 | 2,365 |
| Average earning assets | $301,111,000 | 2,332 |
| Average equity | $19,036,000 | 3,027 |
| Average total loans | $262,242,500 | 1,996 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1130% | 3,774 |
| Cost of funding earning assets | 2.0237% | 889 |
| Net interest margin | 2.0893% | 4,380 |
| Noninterest income to average assets | 0.1800% | 3,888 |
| Noninterest expense to average assets | 2.4901% | 2,327 |
| Loan and lease loss provision to assets | 0.0600% | 1,903 |
| Net operating income to assets | -0.2304% | 4,469 |
| Return on assets (ROA) | -0.2553% | 4,459 |
| Pretax return on assets | -0.4164% | 4,474 |
| Return on Equity (ROE) | -4.1600% | 4,458 |
| Retained earnings to average equity (ytd only) | -4.1570% | 4,371 |
| Net charge-offs to loans | 0.0012% | 2,817 |
| Credit loss provision to net charge-offs | 6,333.3333% | 80 |
| Earnings coverage of net charge-offs (x) | -335.6667% | 4,604 |
| Efficiency ratio | 114.9451% | 90 |
| Assets per employee ($millions) | 8.8668% | 1,030 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8276% | 3,897 |
| Loan loss allowance to noncurrent loans | 449.2813% | 1,544 |
| Noncurrent assets plus other real estate owned to assets | 0.1526% | 2,504 |
| Noncurrent loans to loans | 0.1842% | 2,594 |
| Net loans and leases to total assets | 82.1300% | 419 |
| Net loans and leases to deposits | 97.5201% | 675 |
| Net loans and leases to core deposits | 124.7825% | 513 |
| Total domestic deposits to total assets | 84.2200% | 2,555 |
| Equity capital to assets | 6.0146% | 4,233 |
| Core capital (leverage) ratio | 6.7697% | 4,524 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7120% | 2,334 |
| Memoranda: | ||
| Average total assets | $311,031,200 | 2,368 |
| Average earning assets | $296,084,600 | 2,331 |
| Average equity | $19,100,400 | 2,933 |
| Average total loans | $251,069,600 | 1,998 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0008% | 3,843 |
| Cost of funding earning assets | 1.8673% | 904 |
| Net interest margin | 2.1335% | 4,391 |
| Noninterest income to average assets | 0.1900% | 3,850 |
| Noninterest expense to average assets | 2.5800% | 2,001 |
| Loan and lease loss provision to assets | 0.0600% | 1,749 |
| Net operating income to assets | -0.2534% | 4,508 |
| Return on assets (ROA) | -0.2813% | 4,500 |
| Pretax return on assets | -0.4522% | 4,509 |
| Return on Equity (ROE) | -4.5600% | 4,497 |
| Retained earnings to average equity (ytd only) | -4.5572% | 4,413 |
| Net charge-offs to loans | 0.0005% | 2,643 |
| Credit loss provision to net charge-offs | 13,500.0000% | 34 |
| Earnings coverage of net charge-offs (x) | -831.0000% | 4,637 |
| Efficiency ratio | 116.1422% | 83 |
| Assets per employee ($millions) | 8.7274% | 1,033 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8257% | 3,930 |
| Loan loss allowance to noncurrent loans | 427.0000% | 1,609 |
| Noncurrent assets plus other real estate owned to assets | 0.1591% | 2,520 |
| Noncurrent loans to loans | 0.1934% | 2,585 |
| Net loans and leases to total assets | 81.6200% | 466 |
| Net loans and leases to deposits | 95.2697% | 800 |
| Net loans and leases to core deposits | 120.3882% | 539 |
| Total domestic deposits to total assets | 85.6700% | 2,289 |
| Equity capital to assets | 5.7587% | 4,069 |
| Core capital (leverage) ratio | 6.9978% | 4,544 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0513% | 2,253 |
| Memoranda: | ||
| Average total assets | $308,987,750 | 2,385 |
| Average earning assets | $294,031,500 | 2,341 |
| Average equity | $19,075,750 | 2,931 |
| Average total loans | $247,745,500 | 2,012 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9144% | 3,841 |
| Cost of funding earning assets | 1.6879% | 896 |
| Net interest margin | 2.2265% | 4,402 |
| Noninterest income to average assets | 0.2000% | 3,770 |
| Noninterest expense to average assets | 2.6310% | 1,845 |
| Loan and lease loss provision to assets | 0.0600% | 1,720 |
| Net operating income to assets | -0.2122% | 4,537 |
| Return on assets (ROA) | -0.2122% | 4,522 |
| Pretax return on assets | -0.3743% | 4,538 |
| Return on Equity (ROE) | -3.3600% | 4,516 |
| Retained earnings to average equity (ytd only) | -3.3602% | 4,358 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 113.6990% | 87 |
| Assets per employee ($millions) | 7.1106% | 1,840 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8293% | 3,950 |
| Loan loss allowance to noncurrent loans | 184.5406% | 2,689 |
| Noncurrent assets plus other real estate owned to assets | 0.3618% | 1,468 |
| Noncurrent loans to loans | 0.4494% | 1,593 |
| Net loans and leases to total assets | 79.8500% | 648 |
| Net loans and leases to deposits | 92.6426% | 973 |
| Net loans and leases to core deposits | 118.0730% | 565 |
| Total domestic deposits to total assets | 86.1900% | 2,174 |
| Equity capital to assets | 6.1361% | 4,113 |
| Core capital (leverage) ratio | 7.1714% | 4,557 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2767% | 2,181 |
| Memoranda: | ||
| Average total assets | $307,255,000 | 2,397 |
| Average earning assets | $292,202,333 | 2,361 |
| Average equity | $19,403,333 | 2,913 |
| Average total loans | $244,134,000 | 2,030 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8315% | 3,798 |
| Cost of funding earning assets | 1.4667% | 906 |
| Net interest margin | 2.3648% | 4,410 |
| Noninterest income to average assets | 0.1900% | 3,837 |
| Noninterest expense to average assets | 2.6474% | 1,818 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | -0.0972% | 4,529 |
| Return on assets (ROA) | -0.0972% | 4,514 |
| Pretax return on assets | -0.2168% | 4,531 |
| Return on Equity (ROE) | -1.5200% | 4,498 |
| Retained earnings to average equity (ytd only) | -1.5175% | 4,177 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 108.7426% | 107 |
| Assets per employee ($millions) | 7.1621% | 1,846 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8298% | 4,034 |
| Loan loss allowance to noncurrent loans | 175.7230% | 2,796 |
| Noncurrent assets plus other real estate owned to assets | 0.3705% | 1,390 |
| Noncurrent loans to loans | 0.4722% | 1,535 |
| Net loans and leases to total assets | 77.8000% | 782 |
| Net loans and leases to deposits | 89.8793% | 1,058 |
| Net loans and leases to core deposits | 112.5765% | 628 |
| Total domestic deposits to total assets | 86.5600% | 2,423 |
| Equity capital to assets | 6.3746% | 4,069 |
| Core capital (leverage) ratio | 7.4198% | 4,582 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5899% | 2,144 |
| Memoranda: | ||
| Average total assets | $304,448,500 | 2,443 |
| Average earning assets | $289,077,500 | 2,401 |
| Average equity | $19,506,000 | 2,932 |
| Average total loans | $240,246,500 | 2,067 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4857% | 3,118 |
| Cost of funding earning assets | 0.4074% | 2,033 |
| Net interest margin | 3.0783% | 3,234 |
| Noninterest income to average assets | 0.2200% | 3,823 |
| Noninterest expense to average assets | 2.7821% | 1,351 |
| Loan and lease loss provision to assets | 0.0200% | 2,518 |
| Net operating income to assets | 0.3075% | 4,359 |
| Return on assets (ROA) | 0.3110% | 4,330 |
| Pretax return on assets | 0.3521% | 4,326 |
| Return on Equity (ROE) | 4.3300% | 4,112 |
| Retained earnings to average equity (ytd only) | 4.3338% | 3,290 |
| Net charge-offs to loans | 0.0005% | 2,593 |
| Credit loss provision to net charge-offs | 5,800.0000% | 121 |
| Earnings coverage of net charge-offs (x) | 1,032.0000% | 174 |
| Efficiency ratio | 88.2927% | 351 |
| Assets per employee ($millions) | 6.9983% | 1,978 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7435% | 4,149 |
| Loan loss allowance to noncurrent loans | 154.3006% | 2,939 |
| Noncurrent assets plus other real estate owned to assets | 0.3825% | 1,337 |
| Noncurrent loans to loans | 0.4818% | 1,494 |
| Net loans and leases to total assets | 78.7900% | 719 |
| Net loans and leases to deposits | 93.3013% | 828 |
| Net loans and leases to core deposits | 112.3477% | 539 |
| Total domestic deposits to total assets | 84.4500% | 3,114 |
| Equity capital to assets | 6.4401% | 3,921 |
| Core capital (leverage) ratio | 7.7867% | 4,500 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6627% | 2,101 |
| Memoranda: | ||
| Average total assets | $279,752,600 | 2,552 |
| Average earning assets | $266,086,000 | 2,516 |
| Average equity | $20,074,800 | 2,949 |
| Average total loans | $215,715,800 | 2,129 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4046% | 2,906 |
| Cost of funding earning assets | 0.2861% | 2,322 |
| Net interest margin | 3.1185% | 2,872 |
| Noninterest income to average assets | 0.2700% | 3,561 |
| Noninterest expense to average assets | 2.8545% | 1,136 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.3296% | 4,345 |
| Return on assets (ROA) | 0.3342% | 4,292 |
| Pretax return on assets | 0.3847% | 4,281 |
| Return on Equity (ROE) | 4.5300% | 4,074 |
| Retained earnings to average equity (ytd only) | 4.5303% | 3,271 |
| Net charge-offs to loans | 0.0006% | 2,318 |
| Credit loss provision to net charge-offs | 800.0000% | 471 |
| Earnings coverage of net charge-offs (x) | 789.0000% | 207 |
| Efficiency ratio | 88.1620% | 384 |
| Assets per employee ($millions) | 6.8970% | 2,023 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7701% | 4,143 |
| Loan loss allowance to noncurrent loans | 181.1123% | 2,805 |
| Noncurrent assets plus other real estate owned to assets | 0.3370% | 1,596 |
| Noncurrent loans to loans | 0.4252% | 1,748 |
| Net loans and leases to total assets | 78.6500% | 645 |
| Net loans and leases to deposits | 87.0322% | 1,099 |
| Net loans and leases to core deposits | 97.6879% | 916 |
| Total domestic deposits to total assets | 90.3700% | 1,492 |
| Equity capital to assets | 6.5685% | 3,709 |
| Core capital (leverage) ratio | 8.0531% | 4,364 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1065% | 2,016 |
| Memoranda: | ||
| Average total assets | $274,459,250 | 2,597 |
| Average earning assets | $261,442,000 | 2,561 |
| Average equity | $20,248,500 | 2,975 |
| Average total loans | $209,925,250 | 2,167 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3182% | 2,682 |
| Cost of funding earning assets | 0.2566% | 2,174 |
| Net interest margin | 3.0616% | 2,677 |
| Noninterest income to average assets | 0.2746% | 3,519 |
| Noninterest expense to average assets | 2.8621% | 1,050 |
| Loan and lease loss provision to assets | -0.0044% | 4,376 |
| Net operating income to assets | 0.2952% | 4,299 |
| Return on assets (ROA) | 0.2952% | 4,246 |
| Pretax return on assets | 0.3327% | 4,253 |
| Return on Equity (ROE) | 3.8545% | 4,059 |
| Retained earnings to average equity (ytd only) | 3.8545% | 3,141 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.7093% | 419 |
| Assets per employee ($millions) | 6.7331% | 2,141 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7971% | 4,178 |
| Loan loss allowance to noncurrent loans | 195.5479% | 2,709 |
| Noncurrent assets plus other real estate owned to assets | 0.3173% | 1,738 |
| Noncurrent loans to loans | 0.4076% | 1,905 |
| Net loans and leases to total assets | 77.2255% | 620 |
| Net loans and leases to deposits | 84.8337% | 1,063 |
| Net loans and leases to core deposits | 93.6814% | 931 |
| Total domestic deposits to total assets | 91.0316% | 1,224 |
| Equity capital to assets | 7.0409% | 3,745 |
| Core capital (leverage) ratio | 8.1987% | 4,184 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3154% | 1,933 |
| Memoranda: | ||
| Average total assets | $271,687,333 | 2,637 |
| Average earning assets | $258,757,000 | 2,608 |
| Average equity | $20,806,667 | 2,986 |
| Average total loans | $205,190,667 | 2,197 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2351% | 2,584 |
| Cost of funding earning assets | 0.2599% | 2,046 |
| Net interest margin | 2.9752% | 2,584 |
| Noninterest income to average assets | 0.3339% | 3,096 |
| Noninterest expense to average assets | 2.8334% | 1,092 |
| Loan and lease loss provision to assets | 0.0801% | 1,023 |
| Net operating income to assets | 0.2394% | 4,261 |
| Return on assets (ROA) | 0.2449% | 4,226 |
| Pretax return on assets | 0.2642% | 4,241 |
| Return on Equity (ROE) | 3.0710% | 4,071 |
| Retained earnings to average equity (ytd only) | 3.0710% | 3,235 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.3308% | 581 |
| Assets per employee ($millions) | 6.7629% | 2,178 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8561% | 4,138 |
| Loan loss allowance to noncurrent loans | 161.4754% | 2,864 |
| Noncurrent assets plus other real estate owned to assets | 0.4059% | 1,491 |
| Noncurrent loans to loans | 0.5302% | 1,707 |
| Net loans and leases to total assets | 75.8989% | 514 |
| Net loans and leases to deposits | 82.2499% | 997 |
| Net loans and leases to core deposits | 91.2403% | 857 |
| Total domestic deposits to total assets | 92.2784% | 478 |
| Equity capital to assets | 7.5611% | 3,889 |
| Core capital (leverage) ratio | 8.2693% | 4,101 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4149% | 2,030 |
| Memoranda: | ||
| Average total assets | $269,501,500 | 2,666 |
| Average earning assets | $257,058,000 | 2,629 |
| Average equity | $21,491,500 | 3,018 |
| Average total loans | $200,335,500 | 2,228 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1929% | 3,482 |
| Cost of funding earning assets | 0.4122% | 1,457 |
| Net interest margin | 2.7807% | 3,708 |
| Noninterest income to average assets | 0.4459% | 2,833 |
| Noninterest expense to average assets | 2.6663% | 1,721 |
| Loan and lease loss provision to assets | 0.0185% | 2,699 |
| Net operating income to assets | 0.3607% | 4,329 |
| Return on assets (ROA) | 0.3616% | 4,356 |
| Pretax return on assets | 0.4537% | 4,323 |
| Return on Equity (ROE) | 4.3941% | 4,130 |
| Retained earnings to average equity (ytd only) | 4.3941% | 3,057 |
| Net charge-offs to loans | 0.0010% | 2,642 |
| Credit loss provision to net charge-offs | 2,500.0000% | 264 |
| Earnings coverage of net charge-offs (x) | 636.5000% | 227 |
| Efficiency ratio | 84.9847% | 520 |
| Assets per employee ($millions) | 6.2439% | 2,533 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8880% | 4,088 |
| Loan loss allowance to noncurrent loans | 226.4822% | 2,423 |
| Noncurrent assets plus other real estate owned to assets | 0.2827% | 2,127 |
| Noncurrent loans to loans | 0.3921% | 2,187 |
| Net loans and leases to total assets | 71.4598% | 884 |
| Net loans and leases to deposits | 78.1986% | 1,381 |
| Net loans and leases to core deposits | 85.8358% | 1,213 |
| Total domestic deposits to total assets | 91.3825% | 352 |
| Equity capital to assets | 8.3911% | 4,122 |
| Core capital (leverage) ratio | 8.4160% | 4,005 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8117% | 1,921 |
| Memoranda: | ||
| Average total assets | $270,222,400 | 2,602 |
| Average earning assets | $261,548,800 | 2,541 |
| Average equity | $22,234,600 | 3,040 |
| Average total loans | $193,138,200 | 2,282 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1915% | 3,621 |
| Cost of funding earning assets | 0.4482% | 1,363 |
| Net interest margin | 2.7433% | 3,892 |
| Noninterest income to average assets | 0.4754% | 2,731 |
| Noninterest expense to average assets | 2.6887% | 1,619 |
| Loan and lease loss provision to assets | -0.0089% | 4,312 |
| Net operating income to assets | 0.3624% | 4,431 |
| Return on assets (ROA) | 0.3636% | 4,457 |
| Pretax return on assets | 0.4626% | 4,417 |
| Return on Equity (ROE) | 4.4401% | 4,237 |
| Retained earnings to average equity (ytd only) | 4.4401% | 3,428 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.6023% | 449 |
| Assets per employee ($millions) | 6.2795% | 2,440 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8721% | 4,224 |
| Loan loss allowance to noncurrent loans | 215.7963% | 2,432 |
| Noncurrent assets plus other real estate owned to assets | 0.2904% | 2,319 |
| Noncurrent loans to loans | 0.4041% | 2,350 |
| Net loans and leases to total assets | 71.2415% | 956 |
| Net loans and leases to deposits | 78.0116% | 1,481 |
| Net loans and leases to core deposits | 86.5833% | 1,250 |
| Total domestic deposits to total assets | 91.3217% | 283 |
| Equity capital to assets | 8.4546% | 4,240 |
| Core capital (leverage) ratio | 8.1991% | 4,296 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4704% | 1,807 |
| Memoranda: | ||
| Average total assets | $270,656,000 | 2,617 |
| Average earning assets | $262,987,250 | 2,552 |
| Average equity | $22,161,000 | 3,075 |
| Average total loans | $193,027,750 | 2,319 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1439% | 3,780 |
| Cost of funding earning assets | 0.4804% | 1,320 |
| Net interest margin | 2.6636% | 4,049 |
| Noninterest income to average assets | 0.5334% | 2,472 |
| Noninterest expense to average assets | 2.6458% | 1,742 |
| Loan and lease loss provision to assets | -0.0440% | 4,506 |
| Net operating income to assets | 0.4020% | 4,378 |
| Return on assets (ROA) | 0.4037% | 4,417 |
| Pretax return on assets | 0.5217% | 4,353 |
| Return on Equity (ROE) | 4.9830% | 4,126 |
| Retained earnings to average equity (ytd only) | 4.9830% | 3,190 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.7653% | 519 |
| Assets per employee ($millions) | 6.1850% | 2,440 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8294% | 4,322 |
| Loan loss allowance to noncurrent loans | 205.7471% | 2,426 |
| Noncurrent assets plus other real estate owned to assets | 0.2877% | 2,487 |
| Noncurrent loans to loans | 0.4031% | 2,471 |
| Net loans and leases to total assets | 70.7842% | 1,115 |
| Net loans and leases to deposits | 78.9582% | 1,524 |
| Net loans and leases to core deposits | 89.5163% | 1,171 |
| Total domestic deposits to total assets | 89.6476% | 951 |
| Equity capital to assets | 8.2303% | 4,413 |
| Core capital (leverage) ratio | 7.9568% | 4,464 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9902% | 1,636 |
| Memoranda: | ||
| Average total assets | $272,962,000 | 2,588 |
| Average earning assets | $265,209,000 | 2,535 |
| Average equity | $22,115,333 | 3,079 |
| Average total loans | $194,189,000 | 2,316 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2186% | 3,648 |
| Cost of funding earning assets | 0.5184% | 1,278 |
| Net interest margin | 2.7002% | 3,967 |
| Noninterest income to average assets | 0.6775% | 1,935 |
| Noninterest expense to average assets | 2.6104% | 1,859 |
| Loan and lease loss provision to assets | -0.0951% | 4,712 |
| Net operating income to assets | 0.5911% | 3,964 |
| Return on assets (ROA) | 0.5911% | 4,027 |
| Pretax return on assets | 0.7843% | 3,841 |
| Return on Equity (ROE) | 7.3541% | 3,511 |
| Retained earnings to average equity (ytd only) | 7.3541% | 2,462 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1131% | 884 |
| Assets per employee ($millions) | 6.5141% | 2,166 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8460% | 4,305 |
| Loan loss allowance to noncurrent loans | 180.4494% | 2,526 |
| Noncurrent assets plus other real estate owned to assets | 0.3177% | 2,554 |
| Noncurrent loans to loans | 0.4688% | 2,445 |
| Net loans and leases to total assets | 67.1999% | 1,637 |
| Net loans and leases to deposits | 74.5348% | 2,063 |
| Net loans and leases to core deposits | 84.3843% | 1,645 |
| Total domestic deposits to total assets | 90.1591% | 748 |
| Equity capital to assets | 7.8649% | 4,565 |
| Core capital (leverage) ratio | 7.9894% | 4,568 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7474% | 1,370 |
| Memoranda: | ||
| Average total assets | $273,373,000 | 2,578 |
| Average earning assets | $265,457,000 | 2,516 |
| Average equity | $21,974,000 | 3,079 |
| Average total loans | $194,162,000 | 2,321 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6918% | 3,594 |
| Cost of funding earning assets | 0.8359% | 1,072 |
| Net interest margin | 2.8559% | 4,181 |
| Noninterest income to average assets | 0.6910% | 1,895 |
| Noninterest expense to average assets | 2.4351% | 3,034 |
| Loan and lease loss provision to assets | 0.0284% | 4,043 |
| Net operating income to assets | 0.7514% | 3,258 |
| Return on assets (ROA) | 0.7846% | 3,275 |
| Pretax return on assets | 1.0542% | 2,864 |
| Return on Equity (ROE) | 10.0653% | 1,980 |
| Retained earnings to average equity (ytd only) | 10.0653% | 570 |
| Net charge-offs to loans | 0.0029% | 3,275 |
| Credit loss provision to net charge-offs | 1,250.0000% | 661 |
| Earnings coverage of net charge-offs (x) | 457.5000% | 252 |
| Efficiency ratio | 70.0622% | 1,940 |
| Assets per employee ($millions) | 6.2009% | 2,166 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8419% | 4,341 |
| Loan loss allowance to noncurrent loans | 115.2414% | 3,140 |
| Noncurrent assets plus other real estate owned to assets | 0.5438% | 1,924 |
| Noncurrent loans to loans | 0.7305% | 1,879 |
| Net loans and leases to total assets | 73.8134% | 1,048 |
| Net loans and leases to deposits | 82.3825% | 1,619 |
| Net loans and leases to core deposits | 94.3762% | 1,221 |
| Total domestic deposits to total assets | 89.5983% | 728 |
| Equity capital to assets | 8.2201% | 4,611 |
| Core capital (leverage) ratio | 7.9909% | 4,633 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0568% | 1,509 |
| Memoranda: | ||
| Average total assets | $263,813,800 | 2,495 |
| Average earning assets | $257,221,200 | 2,422 |
| Average equity | $20,565,800 | 3,133 |
| Average total loans | $207,791,400 | 2,178 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7198% | 3,759 |
| Cost of funding earning assets | 0.9040% | 1,061 |
| Net interest margin | 2.8158% | 4,319 |
| Noninterest income to average assets | 0.5919% | 2,208 |
| Noninterest expense to average assets | 2.4035% | 3,123 |
| Loan and lease loss provision to assets | 0.0984% | 3,094 |
| Net operating income to assets | 0.6250% | 3,706 |
| Return on assets (ROA) | 0.6694% | 3,673 |
| Pretax return on assets | 0.8944% | 3,396 |
| Return on Equity (ROE) | 8.7073% | 2,520 |
| Retained earnings to average equity (ytd only) | 8.7073% | 1,071 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9618% | 1,647 |
| Assets per employee ($millions) | 7.0792% | 1,448 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8164% | 4,322 |
| Loan loss allowance to noncurrent loans | 104.3579% | 3,212 |
| Noncurrent assets plus other real estate owned to assets | 0.6234% | 1,866 |
| Noncurrent loans to loans | 0.7823% | 1,867 |
| Net loans and leases to total assets | 79.0302% | 707 |
| Net loans and leases to deposits | 89.3194% | 1,340 |
| Net loans and leases to core deposits | 104.4205% | 905 |
| Total domestic deposits to total assets | 88.4805% | 980 |
| Equity capital to assets | 7.6320% | 4,827 |
| Core capital (leverage) ratio | 7.6139% | 4,829 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5919% | 1,965 |
| Memoranda: | ||
| Average total assets | $263,107,250 | 2,488 |
| Average earning assets | $256,782,750 | 2,397 |
| Average equity | $20,227,750 | 3,159 |
| Average total loans | $210,117,500 | 2,165 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8253% | 3,795 |
| Cost of funding earning assets | 0.9753% | 1,057 |
| Net interest margin | 2.8500% | 4,385 |
| Noninterest income to average assets | 0.5170% | 2,502 |
| Noninterest expense to average assets | 2.3734% | 3,332 |
| Loan and lease loss provision to assets | 0.0665% | 3,464 |
| Net operating income to assets | 0.6383% | 3,617 |
| Return on assets (ROA) | 0.6469% | 3,680 |
| Pretax return on assets | 0.8702% | 3,399 |
| Return on Equity (ROE) | 8.3924% | 2,602 |
| Retained earnings to average equity (ytd only) | 8.3924% | 1,193 |
| Net charge-offs to loans | 0.0010% | 3,002 |
| Credit loss provision to net charge-offs | 8,600.0000% | 130 |
| Earnings coverage of net charge-offs (x) | 1,198.0000% | 73 |
| Efficiency ratio | 71.9372% | 1,691 |
| Assets per employee ($millions) | 7.0038% | 1,435 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7810% | 4,388 |
| Loan loss allowance to noncurrent loans | 97.2895% | 3,244 |
| Noncurrent assets plus other real estate owned to assets | 0.6348% | 1,917 |
| Noncurrent loans to loans | 0.8028% | 1,886 |
| Net loans and leases to total assets | 78.4622% | 794 |
| Net loans and leases to deposits | 90.5331% | 1,305 |
| Net loans and leases to core deposits | 106.2769% | 885 |
| Total domestic deposits to total assets | 86.6669% | 1,749 |
| Equity capital to assets | 7.5432% | 4,864 |
| Core capital (leverage) ratio | 7.5139% | 4,911 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6500% | 1,940 |
| Memoranda: | ||
| Average total assets | $258,780,333 | 2,486 |
| Average earning assets | $252,634,000 | 2,402 |
| Average equity | $19,946,667 | 3,178 |
| Average total loans | $206,827,000 | 2,169 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1948% | 3,229 |
| Cost of funding earning assets | 1.0348% | 1,282 |
| Net interest margin | 3.1599% | 3,959 |
| Noninterest income to average assets | 0.3736% | 3,272 |
| Noninterest expense to average assets | 2.4659% | 3,374 |
| Loan and lease loss provision to assets | 0.0286% | 3,431 |
| Net operating income to assets | 0.7111% | 3,239 |
| Return on assets (ROA) | 0.7186% | 3,296 |
| Pretax return on assets | 0.9714% | 2,929 |
| Return on Equity (ROE) | 9.2160% | 2,022 |
| Retained earnings to average equity (ytd only) | 9.2160% | 914 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3431% | 2,176 |
| Assets per employee ($millions) | 6.9341% | 1,124 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8032% | 4,405 |
| Loan loss allowance to noncurrent loans | 109.2380% | 3,104 |
| Noncurrent assets plus other real estate owned to assets | 0.5780% | 2,267 |
| Noncurrent loans to loans | 0.7353% | 2,161 |
| Net loans and leases to total assets | 77.9814% | 988 |
| Net loans and leases to deposits | 87.6976% | 1,781 |
| Net loans and leases to core deposits | 107.6919% | 959 |
| Total domestic deposits to total assets | 88.9207% | 698 |
| Equity capital to assets | 7.7869% | 5,003 |
| Core capital (leverage) ratio | 7.8913% | 4,998 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6176% | 2,030 |
| Memoranda: | ||
| Average total assets | $251,596,500 | 2,482 |
| Average earning assets | $245,448,000 | 2,403 |
| Average equity | $19,618,000 | 3,203 |
| Average total loans | $202,238,000 | 2,168 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0131% | 4,232 |
| Cost of funding earning assets | 1.0793% | 1,405 |
| Net interest margin | 2.9338% | 4,614 |
| Noninterest income to average assets | 0.2799% | 4,007 |
| Noninterest expense to average assets | 2.3829% | 3,728 |
| Loan and lease loss provision to assets | 0.0763% | 2,464 |
| Net operating income to assets | 0.5126% | 4,380 |
| Return on assets (ROA) | 0.5123% | 4,434 |
| Pretax return on assets | 0.6836% | 4,244 |
| Return on Equity (ROE) | 6.5533% | 3,725 |
| Retained earnings to average equity (ytd only) | 6.5533% | 1,585 |
| Net charge-offs to loans | 0.0021% | 3,629 |
| Credit loss provision to net charge-offs | 4,500.0000% | 96 |
| Earnings coverage of net charge-offs (x) | 448.2500% | 207 |
| Efficiency ratio | 75.8095% | 1,392 |
| Assets per employee ($millions) | 6.4903% | 1,293 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7900% | 4,334 |
| Loan loss allowance to noncurrent loans | 107.3007% | 3,165 |
| Noncurrent assets plus other real estate owned to assets | 0.6054% | 2,084 |
| Noncurrent loans to loans | 0.7362% | 2,040 |
| Net loans and leases to total assets | 81.5726% | 604 |
| Net loans and leases to deposits | 96.3382% | 911 |
| Net loans and leases to core deposits | 115.3590% | 624 |
| Total domestic deposits to total assets | 84.6732% | 2,617 |
| Equity capital to assets | 7.8084% | 5,079 |
| Core capital (leverage) ratio | 7.7501% | 5,078 |
| Tier 1 risk-based capital ratio | 13.7016% | 3,415 |
| Total risk-based capital ratio | 14.8470% | 3,374 |
| Memoranda: | ||
| Average total assets | $235,805,400 | 2,540 |
| Average earning assets | $230,145,200 | 2,472 |
| Average equity | $18,433,600 | 3,290 |
| Average total loans | $190,635,200 | 2,226 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0360% | 4,291 |
| Cost of funding earning assets | 1.0693% | 1,474 |
| Net interest margin | 2.9667% | 4,668 |
| Noninterest income to average assets | 0.2980% | 3,958 |
| Noninterest expense to average assets | 2.3921% | 3,711 |
| Loan and lease loss provision to assets | 0.0772% | 2,358 |
| Net operating income to assets | 0.5438% | 4,422 |
| Return on assets (ROA) | 0.5434% | 4,475 |
| Pretax return on assets | 0.7259% | 4,287 |
| Return on Equity (ROE) | 6.9491% | 3,697 |
| Retained earnings to average equity (ytd only) | 6.9491% | 1,885 |
| Net charge-offs to loans | 0.0028% | 3,323 |
| Credit loss provision to net charge-offs | 3,375.0000% | 124 |
| Earnings coverage of net charge-offs (x) | 351.4615% | 276 |
| Efficiency ratio | 74.8523% | 1,459 |
| Assets per employee ($millions) | 6.3883% | 1,337 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7600% | 4,521 |
| Loan loss allowance to noncurrent loans | 119.0367% | 3,023 |
| Noncurrent assets plus other real estate owned to assets | 0.5250% | 2,427 |
| Noncurrent loans to loans | 0.6384% | 2,374 |
| Net loans and leases to total assets | 81.6079% | 616 |
| Net loans and leases to deposits | 95.0863% | 1,115 |
| Net loans and leases to core deposits | 119.3519% | 557 |
| Total domestic deposits to total assets | 85.8251% | 2,071 |
| Equity capital to assets | 7.6498% | 5,178 |
| Core capital (leverage) ratio | 7.7361% | 5,156 |
| Tier 1 risk-based capital ratio | 13.0245% | 3,833 |
| Total risk-based capital ratio | 14.0971% | 3,830 |
| Memoranda: | ||
| Average total assets | $233,098,500 | 2,583 |
| Average earning assets | $227,680,750 | 2,505 |
| Average equity | $18,227,500 | 3,336 |
| Average total loans | $187,597,250 | 2,280 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0259% | 4,328 |
| Cost of funding earning assets | 1.0157% | 1,624 |
| Net interest margin | 3.0102% | 4,666 |
| Noninterest income to average assets | 0.2959% | 3,960 |
| Noninterest expense to average assets | 2.4659% | 3,584 |
| Loan and lease loss provision to assets | 0.0790% | 2,244 |
| Net operating income to assets | 0.5181% | 4,491 |
| Return on assets (ROA) | 0.5181% | 4,523 |
| Pretax return on assets | 0.6920% | 4,347 |
| Return on Equity (ROE) | 6.5737% | 3,852 |
| Retained earnings to average equity (ytd only) | 6.5737% | 2,015 |
| Net charge-offs to loans | 0.0033% | 3,046 |
| Credit loss provision to net charge-offs | 3,000.0000% | 118 |
| Earnings coverage of net charge-offs (x) | 292.6667% | 270 |
| Efficiency ratio | 76.1801% | 1,369 |
| Assets per employee ($millions) | 6.0170% | 1,532 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7926% | 4,463 |
| Loan loss allowance to noncurrent loans | 114.7081% | 3,091 |
| Noncurrent assets plus other real estate owned to assets | 0.5621% | 2,332 |
| Noncurrent loans to loans | 0.6910% | 2,242 |
| Net loans and leases to total assets | 80.7038% | 773 |
| Net loans and leases to deposits | 93.2530% | 1,346 |
| Net loans and leases to core deposits | 114.7895% | 738 |
| Total domestic deposits to total assets | 86.5428% | 1,799 |
| Equity capital to assets | 7.9165% | 5,195 |
| Core capital (leverage) ratio | 8.1296% | 5,131 |
| Tier 1 risk-based capital ratio | 13.3839% | 3,636 |
| Total risk-based capital ratio | 14.4758% | 3,632 |
| Memoranda: | ||
| Average total assets | $227,749,670 | 2,628 |
| Average earning assets | $222,507,000 | 2,551 |
| Average equity | $17,950,330 | 3,359 |
| Average total loans | $181,836,670 | 2,327 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0557% | 4,249 |
| Cost of funding earning assets | 0.9861% | 1,630 |
| Net interest margin | 3.0696% | 4,639 |
| Noninterest income to average assets | 0.2871% | 3,955 |
| Noninterest expense to average assets | 2.4807% | 3,562 |
| Loan and lease loss provision to assets | 0.0785% | 2,117 |
| Net operating income to assets | 0.5511% | 4,378 |
| Return on assets (ROA) | 0.5511% | 4,407 |
| Pretax return on assets | 0.7258% | 4,239 |
| Return on Equity (ROE) | 7.0080% | 3,679 |
| Retained earnings to average equity (ytd only) | 7.0080% | 2,038 |
| Net charge-offs to loans | 0.0023% | 2,675 |
| Credit loss provision to net charge-offs | 4,400.0000% | 91 |
| Earnings coverage of net charge-offs (x) | 451.0000% | 172 |
| Efficiency ratio | 75.5157% | 1,555 |
| Assets per employee ($millions) | 5.7274% | 1,770 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8370% | 4,397 |
| Loan loss allowance to noncurrent loans | 110.7925% | 3,226 |
| Noncurrent assets plus other real estate owned to assets | 0.5932% | 2,291 |
| Noncurrent loans to loans | 0.7554% | 2,137 |
| Net loans and leases to total assets | 77.8674% | 1,179 |
| Net loans and leases to deposits | 87.4029% | 1,947 |
| Net loans and leases to core deposits | 106.1461% | 1,165 |
| Total domestic deposits to total assets | 89.0902% | 824 |
| Equity capital to assets | 8.0419% | 5,168 |
| Core capital (leverage) ratio | 8.1836% | 5,145 |
| Tier 1 risk-based capital ratio | 14.0831% | 3,301 |
| Total risk-based capital ratio | 15.2150% | 3,274 |
| Memoranda: | ||
| Average total assets | $224,293,000 | 2,686 |
| Average earning assets | $219,051,000 | 2,594 |
| Average equity | $17,637,000 | 3,391 |
| Average total loans | $177,307,500 | 2,395 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8272% | 4,429 |
| Cost of funding earning assets | 0.8803% | 1,173 |
| Net interest margin | 2.9469% | 4,855 |
| Noninterest income to average assets | 0.2180% | 4,606 |
| Noninterest expense to average assets | 2.4803% | 3,668 |
| Loan and lease loss provision to assets | 0.0837% | 2,460 |
| Net operating income to assets | 0.3932% | 4,874 |
| Return on assets (ROA) | 0.3628% | 4,911 |
| Pretax return on assets | 0.4763% | 4,837 |
| Return on Equity (ROE) | 4.8027% | 4,504 |
| Retained earnings to average equity (ytd only) | 4.8027% | 2,890 |
| Net charge-offs to loans | 0.0012% | 3,734 |
| Credit loss provision to net charge-offs | 9,250.0000% | 50 |
| Earnings coverage of net charge-offs (x) | 661.5000% | 166 |
| Efficiency ratio | 80.5613% | 910 |
| Assets per employee ($millions) | 5.9268% | 1,570 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7951% | 4,552 |
| Loan loss allowance to noncurrent loans | 106.3433% | 3,318 |
| Noncurrent assets plus other real estate owned to assets | 0.5950% | 2,248 |
| Noncurrent loans to loans | 0.7477% | 2,125 |
| Net loans and leases to total assets | 78.9418% | 1,105 |
| Net loans and leases to deposits | 91.6704% | 1,591 |
| Net loans and leases to core deposits | 109.8017% | 1,018 |
| Total domestic deposits to total assets | 86.1148% | 2,174 |
| Equity capital to assets | 7.6863% | 5,249 |
| Core capital (leverage) ratio | 7.9721% | 5,245 |
| Tier 1 risk-based capital ratio | 13.8448% | 3,363 |
| Total risk-based capital ratio | 14.9435% | 3,365 |
| Memoranda: | ||
| Average total assets | $221,064,600 | 2,689 |
| Average earning assets | $214,595,800 | 2,603 |
| Average equity | $16,698,800 | 3,436 |
| Average total loans | $172,346,200 | 2,418 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7747% | 4,496 |
| Cost of funding earning assets | 0.8565% | 1,087 |
| Net interest margin | 2.9182% | 4,950 |
| Noninterest income to average assets | 0.2163% | 4,674 |
| Noninterest expense to average assets | 2.5190% | 3,529 |
| Loan and lease loss provision to assets | 0.0836% | 2,291 |
| Net operating income to assets | 0.3397% | 5,044 |
| Return on assets (ROA) | 0.3000% | 5,088 |
| Pretax return on assets | 0.3921% | 5,040 |
| Return on Equity (ROE) | 3.9888% | 4,820 |
| Retained earnings to average equity (ytd only) | 3.9888% | 3,780 |
| Net charge-offs to loans | 0.0016% | 3,442 |
| Credit loss provision to net charge-offs | 6,900.0000% | 54 |
| Earnings coverage of net charge-offs (x) | 433.4457% | 216 |
| Efficiency ratio | 82.7264% | 725 |
| Assets per employee ($millions) | 5.8172% | 1,631 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7906% | 4,654 |
| Loan loss allowance to noncurrent loans | 111.1290% | 3,269 |
| Noncurrent assets plus other real estate owned to assets | 0.5609% | 2,509 |
| Noncurrent loans to loans | 0.7114% | 2,301 |
| Net loans and leases to total assets | 78.2262% | 1,313 |
| Net loans and leases to deposits | 89.5274% | 1,956 |
| Net loans and leases to core deposits | 107.5432% | 1,197 |
| Total domestic deposits to total assets | 87.3769% | 1,558 |
| Equity capital to assets | 7.5316% | 5,303 |
| Core capital (leverage) ratio | 7.9787% | 5,321 |
| Tier 1 risk-based capital ratio | 13.7460% | 3,489 |
| Total risk-based capital ratio | 14.8194% | 3,499 |
| Memoranda: | ||
| Average total assets | $220,026,000 | 2,710 |
| Average earning assets | $213,275,500 | 2,627 |
| Average equity | $16,545,750 | 3,479 |
| Average total loans | $170,628,500 | 2,451 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7351% | 4,499 |
| Cost of funding earning assets | 0.8348% | 987 |
| Net interest margin | 2.9003% | 5,012 |
| Noninterest income to average assets | 0.1511% | 5,067 |
| Noninterest expense to average assets | 2.6119% | 3,294 |
| Loan and lease loss provision to assets | 0.0838% | 2,241 |
| Net operating income to assets | 0.2094% | 5,223 |
| Return on assets (ROA) | 0.1784% | 5,239 |
| Pretax return on assets | 0.2249% | 5,220 |
| Return on Equity (ROE) | 2.3741% | 5,125 |
| Retained earnings to average equity (ytd only) | 2.3741% | 4,326 |
| Net charge-offs to loans | 0.0024% | 3,119 |
| Credit loss provision to net charge-offs | 4,600.0000% | 86 |
| Earnings coverage of net charge-offs (x) | 191.0000% | 432 |
| Efficiency ratio | 88.2498% | 453 |
| Assets per employee ($millions) | 5.8820% | 1,561 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7680% | 4,791 |
| Loan loss allowance to noncurrent loans | 106.6453% | 3,356 |
| Noncurrent assets plus other real estate owned to assets | 0.5588% | 2,553 |
| Noncurrent loans to loans | 0.7202% | 2,310 |
| Net loans and leases to total assets | 76.9966% | 1,470 |
| Net loans and leases to deposits | 92.1123% | 1,568 |
| Net loans and leases to core deposits | 103.3857% | 1,445 |
| Total domestic deposits to total assets | 83.5899% | 3,222 |
| Equity capital to assets | 7.3695% | 5,403 |
| Core capital (leverage) ratio | 7.9606% | 5,358 |
| Tier 1 risk-based capital ratio | 13.6695% | 3,523 |
| Total risk-based capital ratio | 14.7190% | 3,550 |
| Memoranda: | ||
| Average total assets | $219,683,000 | 2,732 |
| Average earning assets | $212,739,000 | 2,645 |
| Average equity | $16,511,330 | 3,499 |
| Average total loans | $169,404,330 | 2,465 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7642% | 4,317 |
| Cost of funding earning assets | 0.8186% | 878 |
| Net interest margin | 2.9456% | 4,966 |
| Noninterest income to average assets | 0.2094% | 4,763 |
| Noninterest expense to average assets | 2.8287% | 2,611 |
| Loan and lease loss provision to assets | 0.0863% | 2,071 |
| Net operating income to assets | 0.1527% | 5,285 |
| Return on assets (ROA) | 0.0753% | 5,339 |
| Pretax return on assets | 0.0771% | 5,344 |
| Return on Equity (ROE) | 0.9921% | 5,313 |
| Retained earnings to average equity (ytd only) | 0.9921% | 4,632 |
| Net charge-offs to loans | 0.0024% | 2,655 |
| Credit loss provision to net charge-offs | 4,700.0000% | 78 |
| Earnings coverage of net charge-offs (x) | 132.0000% | 492 |
| Efficiency ratio | 92.1053% | 362 |
| Assets per employee ($millions) | 5.7964% | 1,682 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7765% | 4,850 |
| Loan loss allowance to noncurrent loans | 102.1412% | 3,429 |
| Noncurrent assets plus other real estate owned to assets | 0.5880% | 2,562 |
| Noncurrent loans to loans | 0.7602% | 2,299 |
| Net loans and leases to total assets | 76.7387% | 1,420 |
| Net loans and leases to deposits | 90.7642% | 1,592 |
| Net loans and leases to core deposits | 99.6042% | 1,718 |
| Total domestic deposits to total assets | 84.5473% | 3,100 |
| Equity capital to assets | 7.6543% | 5,381 |
| Core capital (leverage) ratio | 7.8555% | 5,429 |
| Tier 1 risk-based capital ratio | 14.2345% | 3,260 |
| Total risk-based capital ratio | 15.3008% | 3,268 |
| Memoranda: | ||
| Average total assets | $217,767,000 | 2,780 |
| Average earning assets | $211,570,500 | 2,674 |
| Average equity | $16,531,000 | 3,525 |
| Average total loans | $167,391,000 | 2,502 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4720% | 4,826 |
| Cost of funding earning assets | 0.7034% | 1,003 |
| Net interest margin | 2.7686% | 5,209 |
| Noninterest income to average assets | 0.2860% | 4,418 |
| Noninterest expense to average assets | 2.3379% | 4,236 |
| Loan and lease loss provision to assets | 0.0873% | 2,446 |
| Net operating income to assets | 0.2863% | 4,954 |
| Return on assets (ROA) | 0.3054% | 4,932 |
| Pretax return on assets | 0.5823% | 4,777 |
| Return on Equity (ROE) | 3.9121% | 4,528 |
| Retained earnings to average equity (ytd only) | 3.9121% | 2,857 |
| Net charge-offs to loans | 0.0032% | 3,991 |
| Credit loss provision to net charge-offs | 3,680.0000% | 112 |
| Earnings coverage of net charge-offs (x) | 269.8000% | 314 |
| Efficiency ratio | 78.5157% | 1,282 |
| Assets per employee ($millions) | 6.1407% | 1,422 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7353% | 4,986 |
| Loan loss allowance to noncurrent loans | 94.0197% | 3,647 |
| Noncurrent assets plus other real estate owned to assets | 0.5976% | 2,564 |
| Noncurrent loans to loans | 0.7821% | 2,266 |
| Net loans and leases to total assets | 75.8470% | 1,628 |
| Net loans and leases to deposits | 94.0952% | 1,262 |
| Net loans and leases to core deposits | 101.2592% | 1,609 |
| Total domestic deposits to total assets | 80.6067% | 4,216 |
| Equity capital to assets | 7.5299% | 5,530 |
| Core capital (leverage) ratio | 7.9773% | 5,453 |
| Tier 1 risk-based capital ratio | 13.6715% | 3,535 |
| Total risk-based capital ratio | 14.6615% | 3,591 |
| Memoranda: | ||
| Average total assets | $210,871,600 | 2,814 |
| Average earning assets | $205,009,800 | 2,721 |
| Average equity | $16,461,600 | 3,543 |
| Average total loans | $156,797,800 | 2,583 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4618% | 4,881 |
| Cost of funding earning assets | 0.6822% | 1,062 |
| Net interest margin | 2.7796% | 5,254 |
| Noninterest income to average assets | 0.2950% | 4,424 |
| Noninterest expense to average assets | 2.3482% | 4,163 |
| Loan and lease loss provision to assets | 0.0883% | 2,315 |
| Net operating income to assets | 0.3627% | 5,074 |
| Return on assets (ROA) | 0.3898% | 5,048 |
| Pretax return on assets | 0.6042% | 4,832 |
| Return on Equity (ROE) | 4.9464% | 4,545 |
| Retained earnings to average equity (ytd only) | 4.9464% | 2,924 |
| Net charge-offs to loans | 0.0035% | 3,614 |
| Credit loss provision to net charge-offs | 3,450.0000% | 130 |
| Earnings coverage of net charge-offs (x) | 254.4034% | 347 |
| Efficiency ratio | 78.2971% | 1,294 |
| Assets per employee ($millions) | 5.9741% | 1,513 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7598% | 4,998 |
| Loan loss allowance to noncurrent loans | 93.5887% | 3,640 |
| Noncurrent assets plus other real estate owned to assets | 0.6117% | 2,678 |
| Noncurrent loans to loans | 0.8118% | 2,337 |
| Net loans and leases to total assets | 74.7739% | 1,792 |
| Net loans and leases to deposits | 88.4596% | 1,992 |
| Net loans and leases to core deposits | 95.6110% | 2,119 |
| Total domestic deposits to total assets | 84.5289% | 2,907 |
| Equity capital to assets | 8.0132% | 5,516 |
| Core capital (leverage) ratio | 8.2132% | 5,414 |
| Tier 1 risk-based capital ratio | 14.3248% | 3,282 |
| Total risk-based capital ratio | 15.3314% | 3,316 |
| Memoranda: | ||
| Average total assets | $208,323,000 | 2,858 |
| Average earning assets | $202,661,500 | 2,769 |
| Average equity | $16,415,500 | 3,577 |
| Average total loans | $153,768,750 | 2,629 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4448% | 4,893 |
| Cost of funding earning assets | 0.6733% | 1,029 |
| Net interest margin | 2.7715% | 5,285 |
| Noninterest income to average assets | 0.2768% | 4,568 |
| Noninterest expense to average assets | 2.3877% | 4,082 |
| Loan and lease loss provision to assets | 0.0884% | 2,214 |
| Net operating income to assets | 0.3241% | 5,162 |
| Return on assets (ROA) | 0.3316% | 5,170 |
| Pretax return on assets | 0.5066% | 4,996 |
| Return on Equity (ROE) | 4.2325% | 4,758 |
| Retained earnings to average equity (ytd only) | 4.2325% | 3,190 |
| Net charge-offs to loans | 0.0026% | 3,412 |
| Credit loss provision to net charge-offs | 4,600.0000% | 101 |
| Earnings coverage of net charge-offs (x) | 303.5000% | 279 |
| Efficiency ratio | 80.3623% | 1,176 |
| Assets per employee ($millions) | 5.8927% | 1,540 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7601% | 5,051 |
| Loan loss allowance to noncurrent loans | 89.0347% | 3,763 |
| Noncurrent assets plus other real estate owned to assets | 0.6279% | 2,680 |
| Noncurrent loans to loans | 0.8537% | 2,278 |
| Net loans and leases to total assets | 72.9933% | 2,043 |
| Net loans and leases to deposits | 85.1345% | 2,336 |
| Net loans and leases to core deposits | 92.3816% | 2,307 |
| Total domestic deposits to total assets | 85.7388% | 2,508 |
| Equity capital to assets | 8.0084% | 5,536 |
| Core capital (leverage) ratio | 8.0973% | 5,490 |
| Tier 1 risk-based capital ratio | 14.8878% | 2,977 |
| Total risk-based capital ratio | 15.9114% | 3,003 |
| Memoranda: | ||
| Average total assets | $208,066,330 | 2,875 |
| Average earning assets | $202,275,000 | 2,786 |
| Average equity | $16,302,330 | 3,603 |
| Average total loans | $152,510,330 | 2,653 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4276% | 4,880 |
| Cost of funding earning assets | 0.6631% | 1,011 |
| Net interest margin | 2.7645% | 5,312 |
| Noninterest income to average assets | 0.3024% | 4,396 |
| Noninterest expense to average assets | 2.3428% | 4,281 |
| Loan and lease loss provision to assets | 0.0880% | 2,073 |
| Net operating income to assets | 0.3623% | 5,043 |
| Return on assets (ROA) | 0.3598% | 5,069 |
| Pretax return on assets | 0.5570% | 4,826 |
| Return on Equity (ROE) | 4.6434% | 4,544 |
| Retained earnings to average equity (ytd only) | 4.6434% | 3,090 |
| Net charge-offs to loans | 0.0052% | 2,791 |
| Credit loss provision to net charge-offs | 2,300.0000% | 148 |
| Earnings coverage of net charge-offs (x) | 169.5000% | 322 |
| Efficiency ratio | 78.3109% | 1,585 |
| Assets per employee ($millions) | 6.4008% | 1,233 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7103% | 5,287 |
| Loan loss allowance to noncurrent loans | 85.1538% | 3,896 |
| Noncurrent assets plus other real estate owned to assets | 0.6155% | 2,791 |
| Noncurrent loans to loans | 0.8342% | 2,372 |
| Net loans and leases to total assets | 73.2539% | 1,864 |
| Net loans and leases to deposits | 89.2887% | 1,635 |
| Net loans and leases to core deposits | 96.9857% | 1,748 |
| Total domestic deposits to total assets | 82.0416% | 4,154 |
| Equity capital to assets | 7.7249% | 5,627 |
| Core capital (leverage) ratio | 7.9340% | 5,585 |
| Tier 1 risk-based capital ratio | 14.1297% | 3,397 |
| Total risk-based capital ratio | 15.0712% | 3,500 |
| Memoranda: | ||
| Average total assets | $208,977,000 | 2,899 |
| Average earning assets | $203,293,000 | 2,797 |
| Average equity | $16,195,000 | 3,639 |
| Average total loans | $152,916,500 | 2,663 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3350% | 5,108 |
| Cost of funding earning assets | 0.6238% | 1,177 |
| Net interest margin | 2.7113% | 5,406 |
| Noninterest income to average assets | 0.3204% | 4,453 |
| Noninterest expense to average assets | 2.3394% | 4,461 |
| Loan and lease loss provision to assets | 0.0967% | 2,434 |
| Net operating income to assets | 0.3366% | 5,120 |
| Return on assets (ROA) | 0.4878% | 4,756 |
| Pretax return on assets | 0.7484% | 4,351 |
| Return on Equity (ROE) | 6.1247% | 3,915 |
| Retained earnings to average equity (ytd only) | 6.1247% | 1,643 |
| Net charge-offs to loans | -0.0014% | 4,673 |
| Credit loss provision to net charge-offs | -9,700.0000% | 5,494 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.2539% | 1,518 |
| Assets per employee ($millions) | 6.0802% | 1,420 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7087% | 5,339 |
| Loan loss allowance to noncurrent loans | 63.3115% | 4,370 |
| Noncurrent assets plus other real estate owned to assets | 0.8122% | 2,322 |
| Noncurrent loans to loans | 1.1194% | 1,842 |
| Net loans and leases to total assets | 72.0424% | 2,160 |
| Net loans and leases to deposits | 84.0355% | 2,412 |
| Net loans and leases to core deposits | 91.0370% | 2,402 |
| Total domestic deposits to total assets | 85.7285% | 2,711 |
| Equity capital to assets | 7.7750% | 5,643 |
| Core capital (leverage) ratio | 8.2496% | 5,476 |
| Tier 1 risk-based capital ratio | 14.5636% | 3,170 |
| Total risk-based capital ratio | 15.5062% | 3,241 |
| Memoranda: | ||
| Average total assets | $200,690,200 | 2,945 |
| Average earning assets | $194,779,800 | 2,853 |
| Average equity | $15,984,400 | 3,691 |
| Average total loans | $145,350,200 | 2,710 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3556% | 5,112 |
| Cost of funding earning assets | 0.6166% | 1,230 |
| Net interest margin | 2.7390% | 5,447 |
| Noninterest income to average assets | 0.2664% | 4,867 |
| Noninterest expense to average assets | 2.3596% | 4,384 |
| Loan and lease loss provision to assets | 0.0776% | 2,671 |
| Net operating income to assets | 0.3203% | 5,241 |
| Return on assets (ROA) | 0.5235% | 4,704 |
| Pretax return on assets | 0.7999% | 4,311 |
| Return on Equity (ROE) | 6.5319% | 3,821 |
| Retained earnings to average equity (ytd only) | 6.5319% | 1,894 |
| Net charge-offs to loans | 0.0037% | 3,795 |
| Credit loss provision to net charge-offs | 2,900.0000% | 173 |
| Earnings coverage of net charge-offs (x) | 211.1276% | 357 |
| Efficiency ratio | 80.6821% | 1,343 |
| Assets per employee ($millions) | 5.9343% | 1,477 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6645% | 5,499 |
| Loan loss allowance to noncurrent loans | 56.1353% | 4,604 |
| Noncurrent assets plus other real estate owned to assets | 0.8644% | 2,392 |
| Noncurrent loans to loans | 1.1838% | 1,898 |
| Net loans and leases to total assets | 72.5302% | 2,109 |
| Net loans and leases to deposits | 84.2989% | 2,454 |
| Net loans and leases to core deposits | 91.4289% | 2,444 |
| Total domestic deposits to total assets | 86.0393% | 2,329 |
| Equity capital to assets | 8.0900% | 5,709 |
| Core capital (leverage) ratio | 8.1433% | 5,617 |
| Tier 1 risk-based capital ratio | 15.1807% | 2,959 |
| Total risk-based capital ratio | 16.0965% | 3,058 |
| Memoranda: | ||
| Average total assets | $199,181,000 | 2,971 |
| Average earning assets | $193,302,000 | 2,877 |
| Average equity | $15,962,250 | 3,727 |
| Average total loans | $144,189,250 | 2,717 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3696% | 5,147 |
| Cost of funding earning assets | 0.5955% | 1,349 |
| Net interest margin | 2.7740% | 5,472 |
| Noninterest income to average assets | 0.2622% | 4,909 |
| Noninterest expense to average assets | 2.3608% | 4,452 |
| Loan and lease loss provision to assets | 0.0787% | 2,575 |
| Net operating income to assets | 0.3377% | 5,217 |
| Return on assets (ROA) | 0.4921% | 4,810 |
| Pretax return on assets | 0.7483% | 4,462 |
| Return on Equity (ROE) | 6.1608% | 3,977 |
| Retained earnings to average equity (ytd only) | 6.1608% | 2,033 |
| Net charge-offs to loans | 0.0042% | 3,559 |
| Credit loss provision to net charge-offs | 2,600.0000% | 172 |
| Earnings coverage of net charge-offs (x) | 196.0000% | 334 |
| Efficiency ratio | 79.9249% | 1,503 |
| Assets per employee ($millions) | 5.9814% | 1,413 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6504% | 5,613 |
| Loan loss allowance to noncurrent loans | 69.9332% | 4,362 |
| Noncurrent assets plus other real estate owned to assets | 0.6623% | 3,019 |
| Noncurrent loans to loans | 0.9300% | 2,412 |
| Net loans and leases to total assets | 70.7550% | 2,358 |
| Net loans and leases to deposits | 83.7542% | 2,495 |
| Net loans and leases to core deposits | 90.8903% | 2,447 |
| Total domestic deposits to total assets | 84.4794% | 3,101 |
| Equity capital to assets | 7.9963% | 5,810 |
| Core capital (leverage) ratio | 8.1275% | 5,651 |
| Tier 1 risk-based capital ratio | 15.2546% | 2,955 |
| Total risk-based capital ratio | 16.1564% | 3,059 |
| Memoranda: | ||
| Average total assets | $198,319,000 | 2,993 |
| Average earning assets | $192,427,670 | 2,902 |
| Average equity | $15,842,000 | 3,757 |
| Average total loans | $143,145,330 | 2,735 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4368% | 5,034 |
| Cost of funding earning assets | 0.5696% | 1,543 |
| Net interest margin | 2.8671% | 5,369 |
| Noninterest income to average assets | 0.2554% | 4,909 |
| Noninterest expense to average assets | 2.3208% | 4,607 |
| Loan and lease loss provision to assets | 0.0797% | 2,366 |
| Net operating income to assets | 0.4208% | 4,929 |
| Return on assets (ROA) | 0.5536% | 4,502 |
| Pretax return on assets | 0.8458% | 4,044 |
| Return on Equity (ROE) | 6.9345% | 3,489 |
| Retained earnings to average equity (ytd only) | 6.9345% | 1,913 |
| Net charge-offs to loans | 0.0056% | 2,921 |
| Credit loss provision to net charge-offs | 1,950.0000% | 216 |
| Earnings coverage of net charge-offs (x) | 176.5000% | 342 |
| Efficiency ratio | 76.2928% | 2,138 |
| Assets per employee ($millions) | 5.9835% | 1,410 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6407% | 5,685 |
| Loan loss allowance to noncurrent loans | 72.6688% | 4,249 |
| Noncurrent assets plus other real estate owned to assets | 0.6300% | 3,170 |
| Noncurrent loans to loans | 0.8817% | 2,639 |
| Net loans and leases to total assets | 70.9948% | 2,194 |
| Net loans and leases to deposits | 84.4124% | 2,261 |
| Net loans and leases to core deposits | 90.1550% | 2,359 |
| Total domestic deposits to total assets | 84.1047% | 3,478 |
| Equity capital to assets | 8.0525% | 5,803 |
| Core capital (leverage) ratio | 8.1336% | 5,698 |
| Tier 1 risk-based capital ratio | 15.5073% | 2,912 |
| Total risk-based capital ratio | 16.4022% | 3,021 |
| Memoranda: | ||
| Average total assets | $195,794,500 | 3,034 |
| Average earning assets | $190,294,000 | 2,926 |
| Average equity | $15,632,000 | 3,788 |
| Average total loans | $142,300,500 | 2,746 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3697% | 5,225 |
| Cost of funding earning assets | 0.5341% | 1,883 |
| Net interest margin | 2.8356% | 5,451 |
| Noninterest income to average assets | 0.2330% | 5,201 |
| Noninterest expense to average assets | 2.3546% | 4,633 |
| Loan and lease loss provision to assets | 0.1417% | 1,676 |
| Net operating income to assets | 0.3368% | 5,252 |
| Return on assets (ROA) | 0.3895% | 5,165 |
| Pretax return on assets | 0.5684% | 4,935 |
| Return on Equity (ROE) | 4.8489% | 4,580 |
| Retained earnings to average equity (ytd only) | 4.8489% | 2,526 |
| Net charge-offs to loans | -0.0133% | 5,175 |
| Credit loss provision to net charge-offs | -1,483.3333% | 5,605 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.7960% | 1,844 |
| Assets per employee ($millions) | 5.8829% | 1,479 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6041% | 5,793 |
| Loan loss allowance to noncurrent loans | 52.1661% | 4,824 |
| Noncurrent assets plus other real estate owned to assets | 0.8561% | 2,525 |
| Noncurrent loans to loans | 1.1581% | 2,037 |
| Net loans and leases to total assets | 73.4788% | 1,811 |
| Net loans and leases to deposits | 88.5979% | 1,801 |
| Net loans and leases to core deposits | 94.7192% | 1,972 |
| Total domestic deposits to total assets | 82.9351% | 3,853 |
| Equity capital to assets | 7.9141% | 5,885 |
| Core capital (leverage) ratio | 8.0486% | 5,807 |
| Tier 1 risk-based capital ratio | 15.3975% | 2,990 |
| Total risk-based capital ratio | 16.2647% | 3,104 |
| Memoranda: | ||
| Average total assets | $188,439,400 | 3,073 |
| Average earning assets | $183,103,600 | 2,962 |
| Average equity | $15,137,400 | 3,820 |
| Average total loans | $135,029,800 | 2,800 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3684% | 5,281 |
| Cost of funding earning assets | 0.5320% | 1,954 |
| Net interest margin | 2.8363% | 5,522 |
| Noninterest income to average assets | 0.2438% | 5,189 |
| Noninterest expense to average assets | 2.4054% | 4,496 |
| Loan and lease loss provision to assets | -0.0043% | 5,798 |
| Net operating income to assets | 0.4015% | 5,155 |
| Return on assets (ROA) | 0.4712% | 4,992 |
| Pretax return on assets | 0.7022% | 4,674 |
| Return on Equity (ROE) | 5.8439% | 4,228 |
| Retained earnings to average equity (ytd only) | 5.8439% | 2,340 |
| Net charge-offs to loans | -0.0191% | 5,191 |
| Credit loss provision to net charge-offs | 31.5789% | 3,259 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.1997% | 1,634 |
| Assets per employee ($millions) | 5.9658% | 1,401 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4324% | 6,067 |
| Loan loss allowance to noncurrent loans | 35.4589% | 5,310 |
| Noncurrent assets plus other real estate owned to assets | 0.8790% | 2,684 |
| Noncurrent loans to loans | 1.2196% | 2,099 |
| Net loans and leases to total assets | 71.7612% | 2,099 |
| Net loans and leases to deposits | 87.0445% | 2,020 |
| Net loans and leases to core deposits | 93.1983% | 2,157 |
| Total domestic deposits to total assets | 82.4420% | 4,008 |
| Equity capital to assets | 8.1041% | 5,921 |
| Core capital (leverage) ratio | 8.0067% | 5,900 |
| Tier 1 risk-based capital ratio | 15.9204% | 2,837 |
| Total risk-based capital ratio | 16.5387% | 3,083 |
| Memoranda: | ||
| Average total assets | $187,015,500 | 3,116 |
| Average earning assets | $181,686,250 | 3,004 |
| Average equity | $15,080,750 | 3,862 |
| Average total loans | $132,908,500 | 2,856 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3654% | 5,303 |
| Cost of funding earning assets | 0.5280% | 2,003 |
| Net interest margin | 2.8374% | 5,543 |
| Noninterest income to average assets | 0.2692% | 5,025 |
| Noninterest expense to average assets | 2.4521% | 4,389 |
| Loan and lease loss provision to assets | -0.0345% | 6,003 |
| Net operating income to assets | 0.4051% | 5,119 |
| Return on assets (ROA) | 0.5126% | 4,825 |
| Pretax return on assets | 0.7667% | 4,432 |
| Return on Equity (ROE) | 6.3676% | 3,954 |
| Retained earnings to average equity (ytd only) | 6.3676% | 2,025 |
| Net charge-offs to loans | -0.0320% | 5,356 |
| Credit loss provision to net charge-offs | 152.3810% | 1,516 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.0897% | 1,611 |
| Assets per employee ($millions) | 5.2269% | 2,013 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4347% | 6,142 |
| Loan loss allowance to noncurrent loans | 43.7548% | 5,174 |
| Noncurrent assets plus other real estate owned to assets | 0.6935% | 3,321 |
| Noncurrent loans to loans | 0.9936% | 2,654 |
| Net loans and leases to total assets | 69.4957% | 2,407 |
| Net loans and leases to deposits | 82.6868% | 2,474 |
| Net loans and leases to core deposits | 88.7473% | 2,479 |
| Total domestic deposits to total assets | 84.0469% | 3,542 |
| Equity capital to assets | 7.9630% | 6,000 |
| Core capital (leverage) ratio | 8.1991% | 5,790 |
| Tier 1 risk-based capital ratio | 16.3556% | 2,683 |
| Total risk-based capital ratio | 16.9727% | 2,938 |
| Memoranda: | ||
| Average total assets | $185,719,330 | 3,152 |
| Average earning assets | $180,305,330 | 3,041 |
| Average equity | $14,950,670 | 3,899 |
| Average total loans | $131,348,000 | 2,886 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3804% | 5,251 |
| Cost of funding earning assets | 0.5295% | 2,019 |
| Net interest margin | 2.8509% | 5,548 |
| Noninterest income to average assets | 0.2038% | 5,495 |
| Noninterest expense to average assets | 2.4521% | 4,435 |
| Loan and lease loss provision to assets | -0.0542% | 6,168 |
| Net operating income to assets | 0.3818% | 5,137 |
| Return on assets (ROA) | 0.4878% | 4,867 |
| Pretax return on assets | 0.7306% | 4,501 |
| Return on Equity (ROE) | 6.0265% | 4,027 |
| Retained earnings to average equity (ytd only) | 6.0265% | 2,491 |
| Net charge-offs to loans | -0.0670% | 5,676 |
| Credit loss provision to net charge-offs | 113.6364% | 1,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.5547% | 1,554 |
| Assets per employee ($millions) | 5.6116% | 1,702 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4395% | 6,212 |
| Loan loss allowance to noncurrent loans | 71.3933% | 4,401 |
| Noncurrent assets plus other real estate owned to assets | 0.6270% | 3,608 |
| Noncurrent loans to loans | 0.6157% | 3,728 |
| Net loans and leases to total assets | 70.8211% | 2,013 |
| Net loans and leases to deposits | 83.9347% | 2,087 |
| Net loans and leases to core deposits | 90.0068% | 2,131 |
| Total domestic deposits to total assets | 84.3765% | 3,664 |
| Equity capital to assets | 8.1509% | 5,966 |
| Core capital (leverage) ratio | 8.1718% | 5,834 |
| Tier 1 risk-based capital ratio | 15.9998% | 2,924 |
| Total risk-based capital ratio | 16.6222% | 3,143 |
| Memoranda: | ||
| Average total assets | $184,494,000 | 3,183 |
| Average earning assets | $179,030,500 | 3,077 |
| Average equity | $14,934,000 | 3,925 |
| Average total loans | $131,351,500 | 2,894 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3716% | 5,584 |
| Cost of funding earning assets | 0.5724% | 2,023 |
| Net interest margin | 2.7992% | 5,809 |
| Noninterest income to average assets | 0.2171% | 5,553 |
| Noninterest expense to average assets | 2.7319% | 3,743 |
| Loan and lease loss provision to assets | 0.0238% | 4,131 |
| Net operating income to assets | 0.1252% | 5,918 |
| Return on assets (ROA) | 0.3242% | 5,525 |
| Pretax return on assets | 0.4449% | 5,397 |
| Return on Equity (ROE) | 4.0029% | 5,112 |
| Retained earnings to average equity (ytd only) | 4.0029% | 3,359 |
| Net charge-offs to loans | 0.1582% | 2,455 |
| Credit loss provision to net charge-offs | 21.9895% | 3,951 |
| Earnings coverage of net charge-offs (x) | 1.8115% | 4,331 |
| Efficiency ratio | 93.2830% | 635 |
| Assets per employee ($millions) | 5.2516% | 2,015 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4444% | 6,303 |
| Loan loss allowance to noncurrent loans | 73.2075% | 4,419 |
| Noncurrent assets plus other real estate owned to assets | 0.6229% | 3,719 |
| Noncurrent loans to loans | 0.6070% | 3,853 |
| Net loans and leases to total assets | 70.9411% | 2,085 |
| Net loans and leases to deposits | 86.1448% | 1,962 |
| Net loans and leases to core deposits | 92.4223% | 2,047 |
| Total domestic deposits to total assets | 82.3510% | 4,293 |
| Equity capital to assets | 8.0378% | 6,048 |
| Core capital (leverage) ratio | 8.0454% | 5,969 |
| Tier 1 risk-based capital ratio | 16.5111% | 2,706 |
| Total risk-based capital ratio | 17.1665% | 2,951 |
| Memoranda: | ||
| Average total assets | $176,437,000 | 3,251 |
| Average earning assets | $170,869,200 | 3,146 |
| Average equity | $14,289,800 | 3,982 |
| Average total loans | $120,738,800 | 3,022 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3652% | 5,644 |
| Cost of funding earning assets | 0.5822% | 2,001 |
| Net interest margin | 2.7830% | 5,893 |
| Noninterest income to average assets | 0.2428% | 5,465 |
| Noninterest expense to average assets | 2.7392% | 3,676 |
| Loan and lease loss provision to assets | 0.0038% | 4,335 |
| Net operating income to assets | 0.1377% | 5,967 |
| Return on assets (ROA) | 0.3582% | 5,480 |
| Pretax return on assets | 0.5002% | 5,325 |
| Return on Equity (ROE) | 4.4134% | 5,002 |
| Retained earnings to average equity (ytd only) | 4.4134% | 3,511 |
| Net charge-offs to loans | 0.0124% | 4,313 |
| Credit loss provision to net charge-offs | 45.4545% | 3,187 |
| Earnings coverage of net charge-offs (x) | 23.5392% | 1,586 |
| Efficiency ratio | 93.2397% | 632 |
| Assets per employee ($millions) | 5.4572% | 1,762 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5818% | 6,250 |
| Loan loss allowance to noncurrent loans | 56.3326% | 4,908 |
| Noncurrent assets plus other real estate owned to assets | 0.7147% | 3,673 |
| Noncurrent loans to loans | 1.0328% | 3,006 |
| Net loans and leases to total assets | 68.7923% | 2,413 |
| Net loans and leases to deposits | 84.5656% | 2,081 |
| Net loans and leases to core deposits | 90.8562% | 2,132 |
| Total domestic deposits to total assets | 81.3479% | 4,716 |
| Equity capital to assets | 8.0916% | 6,086 |
| Core capital (leverage) ratio | 8.2679% | 5,870 |
| Tier 1 risk-based capital ratio | 17.3774% | 2,440 |
| Total risk-based capital ratio | 18.2429% | 2,579 |
| Memoranda: | ||
| Average total assets | $174,594,750 | 3,299 |
| Average earning assets | $169,019,500 | 3,196 |
| Average equity | $14,168,750 | 4,021 |
| Average total loans | $118,179,500 | 3,094 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4071% | 5,612 |
| Cost of funding earning assets | 0.5926% | 1,958 |
| Net interest margin | 2.8145% | 5,875 |
| Noninterest income to average assets | 0.2709% | 5,270 |
| Noninterest expense to average assets | 2.8906% | 3,197 |
| Loan and lease loss provision to assets | -0.0058% | 6,218 |
| Net operating income to assets | 0.0858% | 6,072 |
| Return on assets (ROA) | 0.2211% | 5,841 |
| Pretax return on assets | 0.2790% | 5,823 |
| Return on Equity (ROE) | 2.7219% | 5,616 |
| Retained earnings to average equity (ytd only) | 2.7219% | 4,467 |
| Net charge-offs to loans | 0.0224% | 3,759 |
| Credit loss provision to net charge-offs | -38.4615% | 5,145 |
| Earnings coverage of net charge-offs (x) | 6.7692% | 2,725 |
| Efficiency ratio | 96.5957% | 535 |
| Assets per employee ($millions) | 6.0256% | 1,261 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6069% | 6,304 |
| Loan loss allowance to noncurrent loans | 55.3142% | 4,974 |
| Noncurrent assets plus other real estate owned to assets | 0.8121% | 3,533 |
| Noncurrent loans to loans | 1.0972% | 3,033 |
| Net loans and leases to total assets | 66.8225% | 2,614 |
| Net loans and leases to deposits | 79.3664% | 2,601 |
| Net loans and leases to core deposits | 86.0726% | 2,509 |
| Total domestic deposits to total assets | 84.1950% | 3,859 |
| Equity capital to assets | 8.2779% | 5,964 |
| Core capital (leverage) ratio | 8.2384% | 5,897 |
| Tier 1 risk-based capital ratio | 18.4941% | 2,067 |
| Total risk-based capital ratio | 19.4176% | 2,151 |
| Memoranda: | ||
| Average total assets | $172,764,000 | 3,343 |
| Average earning assets | $167,064,670 | 3,235 |
| Average equity | $14,034,330 | 4,044 |
| Average total loans | $116,035,670 | 3,137 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4239% | 5,595 |
| Cost of funding earning assets | 0.6004% | 1,968 |
| Net interest margin | 2.8235% | 5,890 |
| Noninterest income to average assets | 0.2981% | 4,973 |
| Noninterest expense to average assets | 2.5638% | 4,402 |
| Loan and lease loss provision to assets | 0.0605% | 2,894 |
| Net operating income to assets | 0.2864% | 5,545 |
| Return on assets (ROA) | 0.2864% | 5,589 |
| Pretax return on assets | 0.4005% | 5,453 |
| Return on Equity (ROE) | 3.5603% | 5,240 |
| Retained earnings to average equity (ytd only) | 3.5603% | 3,996 |
| Net charge-offs to loans | -0.0173% | 5,289 |
| Credit loss provision to net charge-offs | -520.0000% | 5,200 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.7575% | 1,584 |
| Assets per employee ($millions) | 5.3675% | 1,838 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6612% | 6,327 |
| Loan loss allowance to noncurrent loans | 52.6607% | 5,087 |
| Noncurrent assets plus other real estate owned to assets | 0.8424% | 3,621 |
| Noncurrent loans to loans | 1.2556% | 2,941 |
| Net loans and leases to total assets | 66.6537% | 2,452 |
| Net loans and leases to deposits | 76.4768% | 2,757 |
| Net loans and leases to core deposits | 82.7270% | 2,670 |
| Total domestic deposits to total assets | 87.1554% | 2,729 |
| Equity capital to assets | 8.2056% | 5,906 |
| Core capital (leverage) ratio | 8.2787% | 5,866 |
| Tier 1 risk-based capital ratio | 18.7216% | 2,052 |
| Total risk-based capital ratio | 19.7255% | 2,095 |
| Memoranda: | ||
| Average total assets | $171,775,000 | 3,381 |
| Average earning assets | $165,892,500 | 3,269 |
| Average equity | $13,819,000 | 4,083 |
| Average total loans | $115,313,500 | 3,168 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2775% | 6,033 |
| Cost of funding earning assets | 0.5539% | 3,080 |
| Net interest margin | 2.7236% | 6,107 |
| Noninterest income to average assets | 0.4710% | 3,955 |
| Noninterest expense to average assets | 2.5288% | 4,674 |
| Loan and lease loss provision to assets | -0.0683% | 6,426 |
| Net operating income to assets | 0.4221% | 5,071 |
| Return on assets (ROA) | 0.5052% | 4,842 |
| Pretax return on assets | 0.7676% | 4,271 |
| Return on Equity (ROE) | 6.1338% | 4,007 |
| Retained earnings to average equity (ytd only) | 6.1338% | 1,893 |
| Net charge-offs to loans | -0.1044% | 6,483 |
| Credit loss provision to net charge-offs | 101.7857% | 2,373 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.5144% | 1,946 |
| Assets per employee ($millions) | 5.2057% | 1,957 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6336% | 6,439 |
| Loan loss allowance to noncurrent loans | 50.2060% | 5,250 |
| Noncurrent assets plus other real estate owned to assets | 0.8476% | 3,770 |
| Noncurrent loans to loans | 1.2619% | 3,020 |
| Net loans and leases to total assets | 66.7383% | 2,566 |
| Net loans and leases to deposits | 78.1440% | 2,705 |
| Net loans and leases to core deposits | 82.5240% | 2,831 |
| Total domestic deposits to total assets | 85.4042% | 3,553 |
| Equity capital to assets | 7.8841% | 6,096 |
| Core capital (leverage) ratio | 8.2305% | 5,946 |
| Tier 1 risk-based capital ratio | 18.4197% | 2,109 |
| Total risk-based capital ratio | 19.3755% | 2,171 |
| Memoranda: | ||
| Average total assets | $166,874,400 | 3,461 |
| Average earning assets | $161,222,200 | 3,322 |
| Average equity | $13,743,600 | 4,115 |
| Average total loans | $107,317,600 | 3,297 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2143% | 6,180 |
| Cost of funding earning assets | 0.5531% | 3,231 |
| Net interest margin | 2.6612% | 6,236 |
| Noninterest income to average assets | 0.5047% | 3,772 |
| Noninterest expense to average assets | 2.4630% | 4,827 |
| Loan and lease loss provision to assets | -0.1071% | 6,635 |
| Net operating income to assets | 0.4697% | 4,935 |
| Return on assets (ROA) | 0.5795% | 4,564 |
| Pretax return on assets | 0.8894% | 3,931 |
| Return on Equity (ROE) | 6.9597% | 3,670 |
| Retained earnings to average equity (ytd only) | 6.9597% | 1,895 |
| Net charge-offs to loans | 0.0025% | 5,161 |
| Credit loss provision to net charge-offs | -6,650.0000% | 6,370 |
| Earnings coverage of net charge-offs (x) | 380.5131% | 155 |
| Efficiency ratio | 80.0628% | 2,090 |
| Assets per employee ($millions) | 4.9936% | 2,169 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5433% | 6,620 |
| Loan loss allowance to noncurrent loans | 41.6145% | 5,575 |
| Noncurrent assets plus other real estate owned to assets | 0.8464% | 4,002 |
| Noncurrent loans to loans | 1.3055% | 3,226 |
| Net loans and leases to total assets | 64.4788% | 2,922 |
| Net loans and leases to deposits | 78.6508% | 2,567 |
| Net loans and leases to core deposits | 82.3484% | 2,841 |
| Total domestic deposits to total assets | 81.9811% | 4,938 |
| Equity capital to assets | 8.0173% | 6,146 |
| Core capital (leverage) ratio | 8.0811% | 6,167 |
| Tier 1 risk-based capital ratio | 19.1524% | 1,939 |
| Total risk-based capital ratio | 19.9726% | 2,043 |
| Memoranda: | ||
| Average total assets | $165,645,750 | 3,513 |
| Average earning assets | $160,072,500 | 3,369 |
| Average equity | $13,793,500 | 4,153 |
| Average total loans | $105,302,000 | 3,357 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1559% | 6,280 |
| Cost of funding earning assets | 0.5556% | 3,358 |
| Net interest margin | 2.6003% | 6,338 |
| Noninterest income to average assets | 0.6112% | 3,126 |
| Noninterest expense to average assets | 2.4485% | 4,903 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.4428% | 5,049 |
| Return on assets (ROA) | 0.6075% | 4,420 |
| Pretax return on assets | 0.9253% | 3,806 |
| Return on Equity (ROE) | 7.2037% | 3,488 |
| Retained earnings to average equity (ytd only) | 7.2037% | 1,789 |
| Net charge-offs to loans | 0.0019% | 4,884 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 555.0000% | 72 |
| Efficiency ratio | 78.3710% | 2,399 |
| Assets per employee ($millions) | 5.1529% | 1,929 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6771% | 6,525 |
| Loan loss allowance to noncurrent loans | 53.2751% | 5,066 |
| Noncurrent assets plus other real estate owned to assets | 0.8080% | 4,206 |
| Noncurrent loans to loans | 1.2709% | 3,428 |
| Net loans and leases to total assets | 63.1462% | 3,075 |
| Net loans and leases to deposits | 77.3481% | 2,663 |
| Net loans and leases to core deposits | 80.6128% | 2,967 |
| Total domestic deposits to total assets | 81.6390% | 5,163 |
| Equity capital to assets | 7.9608% | 6,224 |
| Core capital (leverage) ratio | 8.3779% | 5,791 |
| Tier 1 risk-based capital ratio | 19.2606% | 1,919 |
| Total risk-based capital ratio | 20.2864% | 1,949 |
| Memoranda: | ||
| Average total assets | $164,266,670 | 3,553 |
| Average earning assets | $158,749,670 | 3,418 |
| Average equity | $13,854,000 | 4,176 |
| Average total loans | $103,712,000 | 3,409 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2691% | 6,212 |
| Cost of funding earning assets | 0.5615% | 3,464 |
| Net interest margin | 2.7076% | 6,205 |
| Noninterest income to average assets | 0.6618% | 2,809 |
| Noninterest expense to average assets | 2.4960% | 4,768 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.5156% | 4,582 |
| Return on assets (ROA) | 0.5156% | 4,729 |
| Pretax return on assets | 0.7833% | 4,235 |
| Return on Equity (ROE) | 5.9376% | 4,081 |
| Retained earnings to average equity (ytd only) | 5.9376% | 2,710 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1149% | 2,903 |
| Assets per employee ($millions) | 5.0639% | 2,136 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7112% | 6,577 |
| Loan loss allowance to noncurrent loans | 77.9787% | 4,023 |
| Noncurrent assets plus other real estate owned to assets | 0.5801% | 4,941 |
| Noncurrent loans to loans | 0.9121% | 4,310 |
| Net loans and leases to total assets | 63.1457% | 2,865 |
| Net loans and leases to deposits | 74.3841% | 2,871 |
| Net loans and leases to core deposits | 77.5518% | 3,127 |
| Total domestic deposits to total assets | 84.8913% | 4,093 |
| Equity capital to assets | 8.6920% | 5,818 |
| Core capital (leverage) ratio | 8.4433% | 5,652 |
| Tier 1 risk-based capital ratio | 20.2225% | 1,717 |
| Total risk-based capital ratio | 21.3244% | 1,721 |
| Memoranda: | ||
| Average total assets | $161,377,500 | 3,622 |
| Average earning assets | $156,007,500 | 3,500 |
| Average equity | $14,012,500 | 4,196 |
| Average total loans | $101,513,500 | 3,470 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5679% | 6,271 |
| Cost of funding earning assets | 0.6502% | 3,911 |
| Net interest margin | 2.9177% | 6,192 |
| Noninterest income to average assets | 0.9147% | 1,818 |
| Noninterest expense to average assets | 2.6424% | 4,591 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.6798% | 3,836 |
| Return on assets (ROA) | 0.8092% | 3,493 |
| Pretax return on assets | 1.2871% | 2,462 |
| Return on Equity (ROE) | 9.7782% | 2,272 |
| Retained earnings to average equity (ytd only) | 9.7782% | 638 |
| Net charge-offs to loans | -0.0448% | 6,687 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8958% | 3,640 |
| Assets per employee ($millions) | 5.1842% | 2,011 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7332% | 6,594 |
| Loan loss allowance to noncurrent loans | 77.4023% | 4,000 |
| Noncurrent assets plus other real estate owned to assets | 0.5893% | 5,005 |
| Noncurrent loans to loans | 0.9473% | 4,298 |
| Net loans and leases to total assets | 61.7489% | 3,294 |
| Net loans and leases to deposits | 70.6020% | 3,620 |
| Net loans and leases to core deposits | 73.3365% | 3,872 |
| Total domestic deposits to total assets | 87.4606% | 2,549 |
| Equity capital to assets | 8.6741% | 5,875 |
| Core capital (leverage) ratio | 8.1914% | 6,007 |
| Tier 1 risk-based capital ratio | 20.0585% | 1,663 |
| Total risk-based capital ratio | 21.1686% | 1,672 |
| Memoranda: | ||
| Average total assets | $161,139,000 | 3,606 |
| Average earning assets | $155,329,800 | 3,461 |
| Average equity | $13,335,800 | 4,289 |
| Average total loans | $95,877,400 | 3,620 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6288% | 6,353 |
| Cost of funding earning assets | 0.6669% | 4,047 |
| Net interest margin | 2.9619% | 6,248 |
| Noninterest income to average assets | 0.8848% | 1,890 |
| Noninterest expense to average assets | 2.6443% | 4,592 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.6813% | 4,003 |
| Return on assets (ROA) | 0.8533% | 3,449 |
| Pretax return on assets | 1.3627% | 2,367 |
| Return on Equity (ROE) | 10.4361% | 2,159 |
| Retained earnings to average equity (ytd only) | 10.4361% | 801 |
| Net charge-offs to loans | 0.0984% | 4,398 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 18.9002% | 1,526 |
| Efficiency ratio | 70.7366% | 3,551 |
| Assets per employee ($millions) | 5.1894% | 1,940 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5971% | 6,872 |
| Loan loss allowance to noncurrent loans | 65.1261% | 4,424 |
| Noncurrent assets plus other real estate owned to assets | 0.7901% | 4,731 |
| Noncurrent loans to loans | 0.9168% | 4,598 |
| Net loans and leases to total assets | 62.1546% | 3,352 |
| Net loans and leases to deposits | 72.0145% | 3,609 |
| Net loans and leases to core deposits | 74.7429% | 3,885 |
| Total domestic deposits to total assets | 86.3086% | 3,084 |
| Equity capital to assets | 8.3151% | 6,411 |
| Core capital (leverage) ratio | 7.7202% | 6,515 |
| Tier 1 risk-based capital ratio | 18.6172% | 2,128 |
| Total risk-based capital ratio | 19.5091% | 2,227 |
| Memoranda: | ||
| Average total assets | $161,246,500 | 3,631 |
| Average earning assets | $155,345,250 | 3,495 |
| Average equity | $13,184,750 | 4,363 |
| Average total loans | $94,854,500 | 3,683 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7009% | 6,334 |
| Cost of funding earning assets | 0.6949% | 4,057 |
| Net interest margin | 3.0060% | 6,228 |
| Noninterest income to average assets | 0.8281% | 2,063 |
| Noninterest expense to average assets | 2.6660% | 4,553 |
| Loan and lease loss provision to assets | 0.0501% | 5,046 |
| Net operating income to assets | 0.6265% | 4,243 |
| Return on assets (ROA) | 0.8694% | 3,311 |
| Pretax return on assets | 1.3856% | 2,255 |
| Return on Equity (ROE) | 10.6958% | 2,095 |
| Retained earnings to average equity (ytd only) | 10.6958% | 808 |
| Net charge-offs to loans | 0.1524% | 3,696 |
| Credit loss provision to net charge-offs | 57.1429% | 3,873 |
| Earnings coverage of net charge-offs (x) | 12.0429% | 1,913 |
| Efficiency ratio | 71.6257% | 3,494 |
| Assets per employee ($millions) | 5.2525% | 1,863 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6786% | 6,852 |
| Loan loss allowance to noncurrent loans | 76.8335% | 3,921 |
| Noncurrent assets plus other real estate owned to assets | 0.7669% | 4,877 |
| Noncurrent loans to loans | 0.8832% | 4,726 |
| Net loans and leases to total assets | 57.4730% | 4,251 |
| Net loans and leases to deposits | 68.9621% | 4,042 |
| Net loans and leases to core deposits | 71.5042% | 4,353 |
| Total domestic deposits to total assets | 83.3400% | 4,607 |
| Equity capital to assets | 7.9379% | 6,605 |
| Core capital (leverage) ratio | 7.9464% | 6,327 |
| Tier 1 risk-based capital ratio | 18.4384% | 2,150 |
| Total risk-based capital ratio | 19.4027% | 2,215 |
| Memoranda: | ||
| Average total assets | $159,642,000 | 3,670 |
| Average earning assets | $153,693,670 | 3,542 |
| Average equity | $12,977,000 | 4,396 |
| Average total loans | $91,861,330 | 3,759 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7757% | 6,304 |
| Cost of funding earning assets | 0.7290% | 4,037 |
| Net interest margin | 3.0468% | 6,190 |
| Noninterest income to average assets | 0.5636% | 3,470 |
| Noninterest expense to average assets | 2.7152% | 4,374 |
| Loan and lease loss provision to assets | 0.0515% | 4,771 |
| Net operating income to assets | 0.4673% | 4,971 |
| Return on assets (ROA) | 0.6666% | 4,258 |
| Pretax return on assets | 1.0449% | 3,519 |
| Return on Equity (ROE) | 8.0972% | 3,243 |
| Retained earnings to average equity (ytd only) | 8.0972% | 1,951 |
| Net charge-offs to loans | 0.3140% | 2,390 |
| Credit loss provision to net charge-offs | 28.5714% | 3,646 |
| Earnings coverage of net charge-offs (x) | 4.3571% | 2,587 |
| Efficiency ratio | 77.5735% | 2,555 |
| Assets per employee ($millions) | 5.0573% | 2,186 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7061% | 6,866 |
| Loan loss allowance to noncurrent loans | 77.6699% | 3,756 |
| Noncurrent assets plus other real estate owned to assets | 0.8943% | 4,736 |
| Noncurrent loans to loans | 0.9091% | 4,848 |
| Net loans and leases to total assets | 57.4074% | 4,144 |
| Net loans and leases to deposits | 65.8725% | 4,398 |
| Net loans and leases to core deposits | 67.8638% | 4,697 |
| Total domestic deposits to total assets | 87.1492% | 2,859 |
| Equity capital to assets | 8.2194% | 6,342 |
| Core capital (leverage) ratio | 7.9203% | 6,321 |
| Tier 1 risk-based capital ratio | 18.9794% | 1,990 |
| Total risk-based capital ratio | 19.9751% | 2,041 |
| Memoranda: | ||
| Average total assets | $155,423,500 | 3,772 |
| Average earning assets | $149,798,500 | 3,622 |
| Average equity | $12,794,500 | 4,439 |
| Average total loans | $89,162,000 | 3,851 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1168% | 6,249 |
| Cost of funding earning assets | 0.9252% | 3,922 |
| Net interest margin | 3.1916% | 6,118 |
| Noninterest income to average assets | 0.4026% | 4,592 |
| Noninterest expense to average assets | 2.5874% | 5,143 |
| Loan and lease loss provision to assets | 0.1725% | 4,473 |
| Net operating income to assets | 0.4443% | 4,674 |
| Return on assets (ROA) | 0.6062% | 4,154 |
| Pretax return on assets | 0.9581% | 3,401 |
| Return on Equity (ROE) | 7.5808% | 3,111 |
| Retained earnings to average equity (ytd only) | 7.5808% | 1,236 |
| Net charge-offs to loans | 0.0750% | 5,568 |
| Credit loss provision to net charge-offs | 398.4375% | 584 |
| Earnings coverage of net charge-offs (x) | 20.2656% | 1,140 |
| Efficiency ratio | 74.6339% | 3,117 |
| Assets per employee ($millions) | 5.1357% | 2,016 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7869% | 6,768 |
| Loan loss allowance to noncurrent loans | 38.5690% | 5,693 |
| Noncurrent assets plus other real estate owned to assets | 1.4688% | 3,761 |
| Noncurrent loans to loans | 2.0403% | 3,155 |
| Net loans and leases to total assets | 56.4629% | 4,629 |
| Net loans and leases to deposits | 65.7698% | 4,770 |
| Net loans and leases to core deposits | 67.6562% | 5,072 |
| Total domestic deposits to total assets | 85.8494% | 3,401 |
| Equity capital to assets | 8.2449% | 6,392 |
| Core capital (leverage) ratio | 7.8688% | 6,384 |
| Tier 1 risk-based capital ratio | 18.7598% | 1,972 |
| Total risk-based capital ratio | 19.8438% | 1,984 |
| Memoranda: | ||
| Average total assets | $147,794,800 | 3,838 |
| Average earning assets | $141,809,800 | 3,714 |
| Average equity | $11,819,400 | 4,591 |
| Average total loans | $85,312,800 | 3,989 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1657% | 6,287 |
| Cost of funding earning assets | 0.9738% | 3,858 |
| Net interest margin | 3.1919% | 6,177 |
| Noninterest income to average assets | 0.2909% | 5,529 |
| Noninterest expense to average assets | 2.5430% | 5,306 |
| Loan and lease loss provision to assets | 0.0912% | 5,313 |
| Net operating income to assets | 0.4465% | 4,795 |
| Return on assets (ROA) | 0.6519% | 4,032 |
| Pretax return on assets | 1.0349% | 3,267 |
| Return on Equity (ROE) | 8.2193% | 2,953 |
| Retained earnings to average equity (ytd only) | 8.2193% | 1,421 |
| Net charge-offs to loans | 0.1826% | 4,339 |
| Credit loss provision to net charge-offs | 86.2069% | 3,914 |
| Earnings coverage of net charge-offs (x) | 7.6122% | 2,332 |
| Efficiency ratio | 75.8987% | 2,858 |
| Assets per employee ($millions) | 5.0380% | 2,140 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5592% | 7,126 |
| Loan loss allowance to noncurrent loans | 26.9381% | 6,412 |
| Noncurrent assets plus other real estate owned to assets | 1.5727% | 3,733 |
| Noncurrent loans to loans | 2.0759% | 3,270 |
| Net loans and leases to total assets | 56.8284% | 4,710 |
| Net loans and leases to deposits | 65.5476% | 4,965 |
| Net loans and leases to core deposits | 67.4549% | 5,247 |
| Total domestic deposits to total assets | 86.6979% | 2,826 |
| Equity capital to assets | 8.2029% | 6,557 |
| Core capital (leverage) ratio | 7.9900% | 6,410 |
| Tier 1 risk-based capital ratio | 18.3075% | 2,148 |
| Total risk-based capital ratio | 19.0594% | 2,294 |
| Memoranda: | ||
| Average total assets | $146,225,750 | 3,886 |
| Average earning assets | $140,060,500 | 3,766 |
| Average equity | $11,598,500 | 4,662 |
| Average total loans | $84,720,250 | 4,041 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2312% | 6,217 |
| Cost of funding earning assets | 1.0010% | 3,940 |
| Net interest margin | 3.2301% | 6,066 |
| Noninterest income to average assets | 0.2241% | 6,069 |
| Noninterest expense to average assets | 2.4954% | 5,555 |
| Loan and lease loss provision to assets | 0.0927% | 5,168 |
| Net operating income to assets | 0.4645% | 4,659 |
| Return on assets (ROA) | 0.5353% | 4,494 |
| Pretax return on assets | 0.8355% | 3,884 |
| Return on Equity (ROE) | 6.8302% | 3,515 |
| Retained earnings to average equity (ytd only) | 6.8302% | 1,955 |
| Net charge-offs to loans | -0.0048% | 6,583 |
| Credit loss provision to net charge-offs | -3,350.0000% | 6,743 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.2818% | 3,143 |
| Assets per employee ($millions) | 4.6226% | 2,655 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6633% | 7,067 |
| Loan loss allowance to noncurrent loans | 38.7449% | 5,732 |
| Noncurrent assets plus other real estate owned to assets | 0.9911% | 4,886 |
| Noncurrent loans to loans | 1.7120% | 3,871 |
| Net loans and leases to total assets | 57.5049% | 4,721 |
| Net loans and leases to deposits | 66.3829% | 4,944 |
| Net loans and leases to core deposits | 68.2185% | 5,274 |
| Total domestic deposits to total assets | 86.6262% | 2,970 |
| Equity capital to assets | 7.9426% | 6,720 |
| Core capital (leverage) ratio | 7.9703% | 6,338 |
| Tier 1 risk-based capital ratio | 17.8497% | 2,226 |
| Total risk-based capital ratio | 18.7365% | 2,313 |
| Memoranda: | ||
| Average total assets | $144,587,330 | 3,942 |
| Average earning assets | $138,260,000 | 3,822 |
| Average equity | $11,332,000 | 4,735 |
| Average total loans | $84,169,000 | 4,087 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1906% | 6,301 |
| Cost of funding earning assets | 1.0359% | 3,948 |
| Net interest margin | 3.1547% | 6,208 |
| Noninterest income to average assets | 0.1763% | 6,466 |
| Noninterest expense to average assets | 2.5441% | 5,407 |
| Loan and lease loss provision to assets | 0.0924% | 4,861 |
| Net operating income to assets | 0.3554% | 5,150 |
| Return on assets (ROA) | 0.5010% | 4,569 |
| Pretax return on assets | 0.7725% | 4,007 |
| Return on Equity (ROE) | 6.4368% | 3,654 |
| Retained earnings to average equity (ytd only) | 6.4368% | 2,400 |
| Net charge-offs to loans | -0.0096% | 6,355 |
| Credit loss provision to net charge-offs | -1,650.0000% | 6,209 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7891% | 2,573 |
| Assets per employee ($millions) | 4.9841% | 2,189 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6338% | 7,165 |
| Loan loss allowance to noncurrent loans | 36.1544% | 5,889 |
| Noncurrent assets plus other real estate owned to assets | 1.2094% | 4,534 |
| Noncurrent loans to loans | 1.7531% | 3,884 |
| Net loans and leases to total assets | 57.9182% | 4,659 |
| Net loans and leases to deposits | 66.7696% | 4,867 |
| Net loans and leases to core deposits | 68.6543% | 5,209 |
| Total domestic deposits to total assets | 86.7435% | 3,096 |
| Equity capital to assets | 7.7494% | 6,712 |
| Core capital (leverage) ratio | 7.9307% | 6,326 |
| Tier 1 risk-based capital ratio | 17.5446% | 2,273 |
| Total risk-based capital ratio | 18.3793% | 2,399 |
| Memoranda: | ||
| Average total assets | $142,919,500 | 4,016 |
| Average earning assets | $136,304,000 | 3,891 |
| Average equity | $11,123,500 | 4,767 |
| Average total loans | $83,438,000 | 4,149 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1813% | 6,953 |
| Cost of funding earning assets | 1.2386% | 4,300 |
| Net interest margin | 2.9426% | 6,833 |
| Noninterest income to average assets | 0.6410% | 3,204 |
| Noninterest expense to average assets | 2.5589% | 5,583 |
| Loan and lease loss provision to assets | 0.2509% | 4,787 |
| Net operating income to assets | 0.3716% | 4,674 |
| Return on assets (ROA) | 0.5222% | 4,145 |
| Pretax return on assets | 0.8636% | 3,430 |
| Return on Equity (ROE) | 6.7831% | 3,222 |
| Retained earnings to average equity (ytd only) | 6.7831% | 1,416 |
| Net charge-offs to loans | 0.1045% | 5,823 |
| Credit loss provision to net charge-offs | 403.4091% | 603 |
| Earnings coverage of net charge-offs (x) | 14.1364% | 1,366 |
| Efficiency ratio | 74.3679% | 3,325 |
| Assets per employee ($millions) | 5.0464% | 2,087 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6039% | 7,258 |
| Loan loss allowance to noncurrent loans | 29.6142% | 6,313 |
| Noncurrent assets plus other real estate owned to assets | 1.4699% | 4,120 |
| Noncurrent loans to loans | 2.0393% | 3,501 |
| Net loans and leases to total assets | 58.1236% | 5,009 |
| Net loans and leases to deposits | 66.8833% | 5,277 |
| Net loans and leases to core deposits | 68.8087% | 5,574 |
| Total domestic deposits to total assets | 86.9030% | 2,877 |
| Equity capital to assets | 7.8175% | 6,662 |
| Core capital (leverage) ratio | 7.8312% | 6,403 |
| Tier 1 risk-based capital ratio | 17.3166% | 2,224 |
| Total risk-based capital ratio | 18.0991% | 2,371 |
| Memoranda: | ||
| Average total assets | $141,507,000 | 4,031 |
| Average earning assets | $134,505,200 | 3,918 |
| Average equity | $10,894,800 | 4,890 |
| Average total loans | $84,241,200 | 4,207 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2197% | 7,067 |
| Cost of funding earning assets | 1.2806% | 4,367 |
| Net interest margin | 2.9391% | 6,945 |
| Noninterest income to average assets | 0.5764% | 3,602 |
| Noninterest expense to average assets | 2.5138% | 5,664 |
| Loan and lease loss provision to assets | 0.2279% | 4,793 |
| Net operating income to assets | 0.3669% | 4,901 |
| Return on assets (ROA) | 0.5670% | 4,188 |
| Pretax return on assets | 0.9381% | 3,416 |
| Return on Equity (ROE) | 7.3929% | 3,155 |
| Retained earnings to average equity (ytd only) | 7.3929% | 1,647 |
| Net charge-offs to loans | -0.0079% | 7,249 |
| Credit loss provision to net charge-offs | -4,840.0000% | 7,188 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6014% | 3,212 |
| Assets per employee ($millions) | 4.7030% | 2,592 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5878% | 7,364 |
| Loan loss allowance to noncurrent loans | 49.2798% | 5,009 |
| Noncurrent assets plus other real estate owned to assets | 0.6889% | 5,741 |
| Noncurrent loans to loans | 1.1928% | 4,856 |
| Net loans and leases to total assets | 57.4147% | 5,350 |
| Net loans and leases to deposits | 65.3757% | 5,737 |
| Net loans and leases to core deposits | 67.2358% | 6,015 |
| Total domestic deposits to total assets | 87.8228% | 2,078 |
| Equity capital to assets | 7.9899% | 6,809 |
| Core capital (leverage) ratio | 7.8017% | 6,568 |
| Tier 1 risk-based capital ratio | 17.4897% | 2,180 |
| Total risk-based capital ratio | 18.2579% | 2,303 |
| Memoranda: | ||
| Average total assets | $141,559,000 | 4,086 |
| Average earning assets | $134,414,250 | 3,982 |
| Average equity | $10,857,000 | 4,960 |
| Average total loans | $84,644,750 | 4,264 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2937% | 7,061 |
| Cost of funding earning assets | 1.3149% | 4,443 |
| Net interest margin | 2.9788% | 6,875 |
| Noninterest income to average assets | 0.3952% | 4,946 |
| Noninterest expense to average assets | 2.4824% | 5,782 |
| Loan and lease loss provision to assets | 0.2837% | 4,127 |
| Net operating income to assets | 0.2709% | 5,294 |
| Return on assets (ROA) | 0.4714% | 4,614 |
| Pretax return on assets | 0.7720% | 3,979 |
| Return on Equity (ROE) | 6.2323% | 3,681 |
| Retained earnings to average equity (ytd only) | 6.2323% | 2,208 |
| Net charge-offs to loans | -0.0047% | 7,107 |
| Credit loss provision to net charge-offs | -10,050.0000% | 7,061 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8928% | 2,917 |
| Assets per employee ($millions) | 4.4623% | 2,938 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5133% | 7,492 |
| Loan loss allowance to noncurrent loans | 56.0567% | 4,569 |
| Noncurrent assets plus other real estate owned to assets | 0.5434% | 6,112 |
| Noncurrent loans to loans | 0.9156% | 5,447 |
| Net loans and leases to total assets | 59.0463% | 5,240 |
| Net loans and leases to deposits | 66.9557% | 5,687 |
| Net loans and leases to core deposits | 68.9696% | 5,978 |
| Total domestic deposits to total assets | 88.1871% | 1,891 |
| Equity capital to assets | 7.7308% | 6,976 |
| Core capital (leverage) ratio | 7.5455% | 6,789 |
| Tier 1 risk-based capital ratio | 16.8068% | 2,361 |
| Total risk-based capital ratio | 17.4942% | 2,529 |
| Memoranda: | ||
| Average total assets | $141,715,000 | 4,102 |
| Average earning assets | $134,616,000 | 4,012 |
| Average equity | $10,718,330 | 4,998 |
| Average total loans | $85,697,670 | 4,263 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3141% | 7,114 |
| Cost of funding earning assets | 1.3465% | 4,526 |
| Net interest margin | 2.9676% | 6,901 |
| Noninterest income to average assets | 0.5157% | 3,930 |
| Noninterest expense to average assets | 2.6407% | 5,182 |
| Loan and lease loss provision to assets | 0.4023% | 2,953 |
| Net operating income to assets | 0.1621% | 5,816 |
| Return on assets (ROA) | 0.4703% | 4,665 |
| Pretax return on assets | 0.7707% | 3,986 |
| Return on Equity (ROE) | 6.2891% | 3,730 |
| Retained earnings to average equity (ytd only) | 6.2891% | 2,474 |
| Net charge-offs to loans | -0.0139% | 6,984 |
| Credit loss provision to net charge-offs | -4,733.3333% | 6,639 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1667% | 2,689 |
| Assets per employee ($millions) | 4.7052% | 2,642 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4440% | 7,651 |
| Loan loss allowance to noncurrent loans | 14.8542% | 7,208 |
| Noncurrent assets plus other real estate owned to assets | 1.7980% | 3,794 |
| Noncurrent loans to loans | 2.9894% | 2,686 |
| Net loans and leases to total assets | 59.8794% | 5,137 |
| Net loans and leases to deposits | 67.7373% | 5,623 |
| Net loans and leases to core deposits | 69.5019% | 5,956 |
| Total domestic deposits to total assets | 88.3994% | 1,850 |
| Equity capital to assets | 7.5469% | 7,034 |
| Core capital (leverage) ratio | 7.5275% | 6,826 |
| Tier 1 risk-based capital ratio | 16.2207% | 2,554 |
| Total risk-based capital ratio | 16.8048% | 2,791 |
| Memoranda: | ||
| Average total assets | $141,176,000 | 4,172 |
| Average earning assets | $133,979,000 | 4,074 |
| Average equity | $10,558,000 | 5,084 |
| Average total loans | $86,172,000 | 4,317 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6992% | 7,139 |
| Cost of funding earning assets | 1.6198% | 4,938 |
| Net interest margin | 3.0794% | 6,437 |
| Noninterest income to average assets | 0.4883% | 4,502 |
| Noninterest expense to average assets | 2.9923% | 4,172 |
| Loan and lease loss provision to assets | 0.2773% | 5,197 |
| Net operating income to assets | 0.0979% | 5,220 |
| Return on assets (ROA) | 0.2544% | 4,788 |
| Pretax return on assets | 0.3946% | 4,511 |
| Return on Equity (ROE) | 3.2370% | 4,403 |
| Retained earnings to average equity (ytd only) | 3.2370% | 2,892 |
| Net charge-offs to loans | 0.7934% | 2,839 |
| Credit loss provision to net charge-offs | 54.0059% | 6,703 |
| Earnings coverage of net charge-offs (x) | 0.8323% | 5,273 |
| Efficiency ratio | 87.4360% | 1,935 |
| Assets per employee ($millions) | 4.7065% | 2,603 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2653% | 7,842 |
| Loan loss allowance to noncurrent loans | 7.9425% | 7,394 |
| Noncurrent assets plus other real estate owned to assets | 2.0688% | 3,310 |
| Noncurrent loans to loans | 3.3405% | 2,280 |
| Net loans and leases to total assets | 61.7664% | 5,037 |
| Net loans and leases to deposits | 69.7426% | 5,638 |
| Net loans and leases to core deposits | 81.8153% | 5,928 |
| Total domestic deposits to total assets | 88.5633% | 1,694 |
| Equity capital to assets | 7.4103% | 7,112 |
| Core capital (leverage) ratio | 7.4741% | 6,813 |
| Tier 1 risk-based capital ratio | 15.3813% | 2,766 |
| Total risk-based capital ratio | 15.7282% | 3,175 |
| Memoranda: | ||
| Average total assets | $131,272,200 | 4,312 |
| Average earning assets | $124,957,400 | 4,193 |
| Average equity | $10,318,200 | 5,211 |
| Average total loans | $84,956,000 | 4,359 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7696% | 7,171 |
| Cost of funding earning assets | 1.6641% | 5,089 |
| Net interest margin | 3.1056% | 6,303 |
| Noninterest income to average assets | 0.4897% | 4,581 |
| Noninterest expense to average assets | 3.0519% | 3,835 |
| Loan and lease loss provision to assets | 0.2630% | 4,858 |
| Net operating income to assets | 0.0894% | 5,500 |
| Return on assets (ROA) | 0.2961% | 4,911 |
| Pretax return on assets | 0.4596% | 4,646 |
| Return on Equity (ROE) | 3.7086% | 4,494 |
| Retained earnings to average equity (ytd only) | 3.7086% | 3,214 |
| Net charge-offs to loans | 0.2893% | 4,227 |
| Credit loss provision to net charge-offs | 138.7978% | 3,567 |
| Earnings coverage of net charge-offs (x) | 2.1093% | 4,239 |
| Efficiency ratio | 88.3623% | 1,833 |
| Assets per employee ($millions) | 4.6066% | 2,689 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6937% | 7,389 |
| Loan loss allowance to noncurrent loans | 26.6870% | 6,680 |
| Noncurrent assets plus other real estate owned to assets | 1.6621% | 3,877 |
| Noncurrent loans to loans | 2.5992% | 2,904 |
| Net loans and leases to total assets | 63.5026% | 4,977 |
| Net loans and leases to deposits | 73.0129% | 5,508 |
| Net loans and leases to core deposits | 85.8843% | 5,876 |
| Total domestic deposits to total assets | 86.9746% | 2,196 |
| Equity capital to assets | 7.6477% | 7,194 |
| Core capital (leverage) ratio | 7.6148% | 6,840 |
| Tier 1 risk-based capital ratio | 15.2782% | 2,921 |
| Total risk-based capital ratio | 16.1929% | 3,002 |
| Memoranda: | ||
| Average total assets | $128,791,500 | 4,394 |
| Average earning assets | $122,829,750 | 4,279 |
| Average equity | $10,282,000 | 5,263 |
| Average total loans | $84,334,250 | 4,411 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8013% | 7,224 |
| Cost of funding earning assets | 1.6857% | 5,343 |
| Net interest margin | 3.1157% | 6,187 |
| Noninterest income to average assets | 0.4138% | 5,169 |
| Noninterest expense to average assets | 3.0432% | 3,899 |
| Loan and lease loss provision to assets | 0.2531% | 4,550 |
| Net operating income to assets | 0.0571% | 5,690 |
| Return on assets (ROA) | 0.2021% | 5,337 |
| Pretax return on assets | 0.3024% | 5,202 |
| Return on Equity (ROE) | 2.4935% | 5,104 |
| Retained earnings to average equity (ytd only) | 2.4935% | 3,946 |
| Net charge-offs to loans | 0.4483% | 3,025 |
| Credit loss provision to net charge-offs | 85.4839% | 5,051 |
| Earnings coverage of net charge-offs (x) | 1.1452% | 4,665 |
| Efficiency ratio | 89.9294% | 1,822 |
| Assets per employee ($millions) | 4.3621% | 3,007 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5874% | 7,656 |
| Loan loss allowance to noncurrent loans | 22.9501% | 6,967 |
| Noncurrent assets plus other real estate owned to assets | 1.9066% | 3,332 |
| Noncurrent loans to loans | 2.5593% | 2,833 |
| Net loans and leases to total assets | 66.6083% | 4,438 |
| Net loans and leases to deposits | 76.0569% | 5,167 |
| Net loans and leases to core deposits | 87.5995% | 5,755 |
| Total domestic deposits to total assets | 87.5770% | 1,980 |
| Equity capital to assets | 7.9328% | 6,826 |
| Core capital (leverage) ratio | 7.9183% | 6,456 |
| Tier 1 risk-based capital ratio | 15.4133% | 2,855 |
| Total risk-based capital ratio | 16.2000% | 2,985 |
| Memoranda: | ||
| Average total assets | $125,655,670 | 4,487 |
| Average earning assets | $119,716,330 | 4,378 |
| Average equity | $10,186,330 | 5,309 |
| Average total loans | $82,988,000 | 4,500 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8071% | 7,360 |
| Cost of funding earning assets | 1.6866% | 5,653 |
| Net interest margin | 3.1205% | 6,139 |
| Noninterest income to average assets | 0.2958% | 6,070 |
| Noninterest expense to average assets | 3.0881% | 3,420 |
| Loan and lease loss provision to assets | 0.2080% | 4,358 |
| Net operating income to assets | -0.0190% | 6,286 |
| Return on assets (ROA) | 0.2861% | 5,517 |
| Pretax return on assets | 0.4128% | 5,356 |
| Return on Equity (ROE) | 3.4889% | 5,174 |
| Retained earnings to average equity (ytd only) | 3.4889% | 3,957 |
| Net charge-offs to loans | 0.6250% | 1,924 |
| Credit loss provision to net charge-offs | 50.7937% | 4,666 |
| Earnings coverage of net charge-offs (x) | 0.4365% | 4,639 |
| Efficiency ratio | 94.4279% | 1,410 |
| Assets per employee ($millions) | 4.5098% | 2,702 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5690% | 7,721 |
| Loan loss allowance to noncurrent loans | 21.4861% | 7,089 |
| Noncurrent assets plus other real estate owned to assets | 1.7692% | 3,269 |
| Noncurrent loans to loans | 2.6481% | 2,478 |
| Net loans and leases to total assets | 66.4278% | 4,483 |
| Net loans and leases to deposits | 75.8713% | 5,245 |
| Net loans and leases to core deposits | 86.0530% | 5,896 |
| Total domestic deposits to total assets | 87.5533% | 1,945 |
| Equity capital to assets | 7.9541% | 6,877 |
| Core capital (leverage) ratio | 8.2535% | 5,990 |
| Tier 1 risk-based capital ratio | 15.7963% | 2,756 |
| Total risk-based capital ratio | 16.5509% | 2,878 |
| Memoranda: | ||
| Average total assets | $123,052,500 | 4,575 |
| Average earning assets | $117,159,000 | 4,453 |
| Average equity | $10,089,000 | 5,359 |
| Average total loans | $80,642,000 | 4,593 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2898% | 7,607 |
| Cost of funding earning assets | 2.0069% | 6,394 |
| Net interest margin | 3.2830% | 6,095 |
| Noninterest income to average assets | 0.4269% | 5,243 |
| Noninterest expense to average assets | 2.9044% | 4,436 |
| Loan and lease loss provision to assets | 0.1898% | 4,985 |
| Net operating income to assets | 0.2896% | 5,575 |
| Return on assets (ROA) | 0.2896% | 5,387 |
| Pretax return on assets | 0.4554% | 5,108 |
| Return on Equity (ROE) | 3.3373% | 5,105 |
| Retained earnings to average equity (ytd only) | 3.3373% | 3,070 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.7976% | 2,327 |
| Assets per employee ($millions) | 4.2797% | 2,988 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7046% | 7,411 |
| Loan loss allowance to noncurrent loans | 37.2765% | 6,241 |
| Noncurrent assets plus other real estate owned to assets | 1.2134% | 3,812 |
| Noncurrent loans to loans | 1.8902% | 2,924 |
| Net loans and leases to total assets | 63.7406% | 5,327 |
| Net loans and leases to deposits | 74.8115% | 5,758 |
| Net loans and leases to core deposits | 83.9444% | 6,295 |
| Total domestic deposits to total assets | 85.2017% | 2,748 |
| Equity capital to assets | 8.4569% | 6,161 |
| Core capital (leverage) ratio | 8.4053% | 5,749 |
| Tier 1 risk-based capital ratio | 16.4365% | 2,510 |
| Total risk-based capital ratio | 17.3309% | 2,580 |
| Memoranda: | ||
| Average total assets | $112,207,400 | 4,721 |
| Average earning assets | $106,733,000 | 4,601 |
| Average equity | $9,738,400 | 5,498 |
| Average total loans | $69,925,600 | 4,871 |