Home > Wells River Savings Bank > Performance and Condition Ratios
Wells River Savings Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0614% | 3,007 |
| Cost of funding earning assets | 1.0352% | 3,956 |
| Net interest margin | 4.0262% | 1,232 |
| Noninterest income to average assets | 0.5000% | 1,747 |
| Noninterest expense to average assets | 3.4369% | 634 |
| Loan and lease loss provision to assets | 0.0100% | 2,596 |
| Net operating income to assets | 0.6504% | 3,230 |
| Return on assets (ROA) | 0.6504% | 3,252 |
| Pretax return on assets | 0.8336% | 3,120 |
| Return on Equity (ROE) | 7.9500% | 2,872 |
| Retained earnings to average equity (ytd only) | 7.9515% | 1,694 |
| Net charge-offs to loans | 0.0479% | 1,185 |
| Credit loss provision to net charge-offs | 31.5789% | 1,620 |
| Earnings coverage of net charge-offs (x) | 26.2632% | 1,310 |
| Efficiency ratio | 80.3852% | 924 |
| Assets per employee ($millions) | 4.1087% | 4,051 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0158% | 3,138 |
| Loan loss allowance to noncurrent loans | 166.1885% | 2,358 |
| Noncurrent assets plus other real estate owned to assets | 0.4096% | 1,713 |
| Noncurrent loans to loans | 0.6112% | 1,623 |
| Net loans and leases to total assets | 66.3200% | 2,253 |
| Net loans and leases to deposits | 77.5333% | 2,269 |
| Net loans and leases to core deposits | 80.6921% | 2,649 |
| Total domestic deposits to total assets | 85.5400% | 2,460 |
| Equity capital to assets | 8.3968% | 3,383 |
| Core capital (leverage) ratio | 10.9385% | 2,075 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5713% | 813 |
| Memoranda: | ||
| Average total assets | $238,006,000 | 2,798 |
| Average earning assets | $222,942,500 | 2,780 |
| Average equity | $19,468,000 | 3,041 |
| Average total loans | $158,737,500 | 2,685 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0625% | 2,983 |
| Cost of funding earning assets | 1.2265% | 3,784 |
| Net interest margin | 3.8359% | 1,435 |
| Noninterest income to average assets | 0.5400% | 1,745 |
| Noninterest expense to average assets | 3.3189% | 741 |
| Loan and lease loss provision to assets | 0.0100% | 2,986 |
| Net operating income to assets | 0.6419% | 3,122 |
| Return on assets (ROA) | 0.5922% | 3,268 |
| Pretax return on assets | 0.7413% | 3,178 |
| Return on Equity (ROE) | 7.6700% | 2,846 |
| Retained earnings to average equity (ytd only) | 7.6749% | 1,221 |
| Net charge-offs to loans | 0.1741% | 793 |
| Credit loss provision to net charge-offs | -3.6900% | 4,279 |
| Earnings coverage of net charge-offs (x) | 7.0738% | 2,456 |
| Efficiency ratio | 80.3867% | 1,016 |
| Assets per employee ($millions) | 4.4020% | 3,959 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0355% | 3,022 |
| Loan loss allowance to noncurrent loans | 133.4967% | 2,666 |
| Noncurrent assets plus other real estate owned to assets | 0.5149% | 1,389 |
| Noncurrent loans to loans | 0.7757% | 1,283 |
| Net loans and leases to total assets | 65.7000% | 2,399 |
| Net loans and leases to deposits | 76.3024% | 2,429 |
| Net loans and leases to core deposits | 79.1402% | 2,836 |
| Total domestic deposits to total assets | 86.1000% | 2,189 |
| Equity capital to assets | 7.9619% | 3,533 |
| Core capital (leverage) ratio | 10.6888% | 2,209 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3832% | 838 |
| Memoranda: | ||
| Average total assets | $236,738,200 | 2,777 |
| Average earning assets | $221,276,200 | 2,764 |
| Average equity | $18,267,400 | 3,085 |
| Average total loans | $155,662,200 | 2,679 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0217% | 2,998 |
| Cost of funding earning assets | 1.2528% | 3,745 |
| Net interest margin | 3.7688% | 1,507 |
| Noninterest income to average assets | 0.5800% | 1,541 |
| Noninterest expense to average assets | 3.3488% | 688 |
| Loan and lease loss provision to assets | -0.0200% | 4,186 |
| Net operating income to assets | 0.6160% | 3,179 |
| Return on assets (ROA) | 0.5497% | 3,377 |
| Pretax return on assets | 0.6895% | 3,295 |
| Return on Equity (ROE) | 7.1800% | 2,986 |
| Retained earnings to average equity (ytd only) | 7.1810% | 1,676 |
| Net charge-offs to loans | 0.2260% | 534 |
| Credit loss provision to net charge-offs | -22.8137% | 4,345 |
| Earnings coverage of net charge-offs (x) | 5.0875% | 2,392 |
| Efficiency ratio | 81.6158% | 971 |
| Assets per employee ($millions) | 4.2551% | 4,026 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0048% | 3,221 |
| Loan loss allowance to noncurrent loans | 138.6087% | 2,663 |
| Noncurrent assets plus other real estate owned to assets | 0.4826% | 1,447 |
| Noncurrent loans to loans | 0.7249% | 1,362 |
| Net loans and leases to total assets | 65.9100% | 2,330 |
| Net loans and leases to deposits | 78.5034% | 2,316 |
| Net loans and leases to core deposits | 81.3032% | 2,732 |
| Total domestic deposits to total assets | 83.9500% | 2,608 |
| Equity capital to assets | 8.3656% | 3,486 |
| Core capital (leverage) ratio | 10.5414% | 2,389 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0331% | 918 |
| Memoranda: | ||
| Average total assets | $236,495,750 | 2,768 |
| Average earning assets | $220,930,750 | 2,761 |
| Average equity | $18,102,750 | 3,094 |
| Average total loans | $155,128,000 | 2,679 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9948% | 2,961 |
| Cost of funding earning assets | 1.2394% | 3,730 |
| Net interest margin | 3.7554% | 1,508 |
| Noninterest income to average assets | 0.5400% | 1,684 |
| Noninterest expense to average assets | 3.3311% | 696 |
| Loan and lease loss provision to assets | -0.0500% | 4,317 |
| Net operating income to assets | 0.6152% | 3,154 |
| Return on assets (ROA) | 0.6138% | 3,186 |
| Pretax return on assets | 0.7698% | 3,068 |
| Return on Equity (ROE) | 8.2800% | 2,668 |
| Retained earnings to average equity (ytd only) | 8.2779% | 1,290 |
| Net charge-offs to loans | 0.1390% | 707 |
| Credit loss provision to net charge-offs | -89.7196% | 4,435 |
| Earnings coverage of net charge-offs (x) | 7.9065% | 2,079 |
| Efficiency ratio | 82.2827% | 968 |
| Assets per employee ($millions) | 4.1174% | 4,084 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1000% | 2,789 |
| Loan loss allowance to noncurrent loans | 227.1883% | 2,147 |
| Noncurrent assets plus other real estate owned to assets | 0.3213% | 1,880 |
| Noncurrent loans to loans | 0.4842% | 1,796 |
| Net loans and leases to total assets | 65.6200% | 2,388 |
| Net loans and leases to deposits | 78.5330% | 2,329 |
| Net loans and leases to core deposits | 81.0970% | 2,739 |
| Total domestic deposits to total assets | 83.5600% | 2,732 |
| Equity capital to assets | 7.7004% | 3,621 |
| Core capital (leverage) ratio | 10.5023% | 2,379 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8729% | 942 |
| Memoranda: | ||
| Average total assets | $235,899,000 | 2,773 |
| Average earning assets | $220,107,667 | 2,763 |
| Average equity | $17,492,333 | 3,118 |
| Average total loans | $153,957,333 | 2,680 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8933% | 2,986 |
| Cost of funding earning assets | 1.1390% | 3,826 |
| Net interest margin | 3.7543% | 1,432 |
| Noninterest income to average assets | 0.5100% | 1,724 |
| Noninterest expense to average assets | 3.3471% | 680 |
| Loan and lease loss provision to assets | -0.1800% | 4,499 |
| Net operating income to assets | 0.6769% | 2,912 |
| Return on assets (ROA) | 0.6782% | 2,929 |
| Pretax return on assets | 0.8507% | 2,805 |
| Return on Equity (ROE) | 9.3200% | 2,306 |
| Retained earnings to average equity (ytd only) | 9.3242% | 1,244 |
| Net charge-offs to loans | 0.2143% | 420 |
| Credit loss provision to net charge-offs | -173.1707% | 4,496 |
| Earnings coverage of net charge-offs (x) | 4.7927% | 1,885 |
| Efficiency ratio | 83.4317% | 955 |
| Assets per employee ($millions) | 4.1233% | 4,110 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1054% | 2,787 |
| Loan loss allowance to noncurrent loans | 174.3563% | 2,573 |
| Noncurrent assets plus other real estate owned to assets | 0.4060% | 1,520 |
| Noncurrent loans to loans | 0.6340% | 1,385 |
| Net loans and leases to total assets | 63.3400% | 2,531 |
| Net loans and leases to deposits | 77.1849% | 2,319 |
| Net loans and leases to core deposits | 79.3943% | 2,770 |
| Total domestic deposits to total assets | 82.0600% | 3,167 |
| Equity capital to assets | 7.2712% | 3,777 |
| Core capital (leverage) ratio | 10.3428% | 2,456 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5484% | 994 |
| Memoranda: | ||
| Average total assets | $236,504,000 | 2,777 |
| Average earning assets | $220,545,500 | 2,764 |
| Average equity | $17,202,500 | 3,156 |
| Average total loans | $153,075,500 | 2,683 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6706% | 2,740 |
| Cost of funding earning assets | 0.6494% | 3,999 |
| Net interest margin | 4.0212% | 1,175 |
| Noninterest income to average assets | 0.5500% | 1,725 |
| Noninterest expense to average assets | 3.4773% | 591 |
| Loan and lease loss provision to assets | 0.0600% | 1,903 |
| Net operating income to assets | 0.6119% | 3,413 |
| Return on assets (ROA) | 0.5944% | 3,446 |
| Pretax return on assets | 0.7427% | 3,351 |
| Return on Equity (ROE) | 8.7200% | 2,825 |
| Retained earnings to average equity (ytd only) | 8.7203% | 1,325 |
| Net charge-offs to loans | 0.0636% | 1,219 |
| Credit loss provision to net charge-offs | 139.7849% | 1,528 |
| Earnings coverage of net charge-offs (x) | 20.1935% | 1,869 |
| Efficiency ratio | 80.8913% | 856 |
| Assets per employee ($millions) | 4.2520% | 4,060 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2524% | 2,000 |
| Loan loss allowance to noncurrent loans | 373.4893% | 1,753 |
| Noncurrent assets plus other real estate owned to assets | 0.2194% | 2,129 |
| Noncurrent loans to loans | 0.3353% | 1,978 |
| Net loans and leases to total assets | 64.6000% | 2,412 |
| Net loans and leases to deposits | 77.9638% | 2,265 |
| Net loans and leases to core deposits | 80.0976% | 2,697 |
| Total domestic deposits to total assets | 82.8600% | 2,923 |
| Equity capital to assets | 7.2762% | 3,831 |
| Core capital (leverage) ratio | 10.3472% | 2,480 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5668% | 985 |
| Memoranda: | ||
| Average total assets | $228,625,000 | 2,795 |
| Average earning assets | $212,971,200 | 2,783 |
| Average equity | $15,584,400 | 3,216 |
| Average total loans | $146,135,600 | 2,704 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6126% | 2,648 |
| Cost of funding earning assets | 0.5346% | 4,085 |
| Net interest margin | 4.0780% | 1,099 |
| Noninterest income to average assets | 0.5400% | 1,768 |
| Noninterest expense to average assets | 3.4266% | 608 |
| Loan and lease loss provision to assets | 0.0500% | 1,947 |
| Net operating income to assets | 0.6805% | 3,367 |
| Return on assets (ROA) | 0.6575% | 3,401 |
| Pretax return on assets | 0.8247% | 3,277 |
| Return on Equity (ROE) | 9.8200% | 2,692 |
| Retained earnings to average equity (ytd only) | 9.8160% | 1,456 |
| Net charge-offs to loans | 0.0683% | 993 |
| Credit loss provision to net charge-offs | 127.0270% | 1,442 |
| Earnings coverage of net charge-offs (x) | 20.9324% | 1,792 |
| Efficiency ratio | 79.0421% | 924 |
| Assets per employee ($millions) | 4.0365% | 4,149 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2944% | 1,884 |
| Loan loss allowance to noncurrent loans | 232.4357% | 2,322 |
| Noncurrent assets plus other real estate owned to assets | 0.3614% | 1,591 |
| Noncurrent loans to loans | 0.5569% | 1,435 |
| Net loans and leases to total assets | 64.0600% | 2,442 |
| Net loans and leases to deposits | 75.0113% | 2,493 |
| Net loans and leases to core deposits | 76.7189% | 2,819 |
| Total domestic deposits to total assets | 85.4000% | 2,382 |
| Equity capital to assets | 6.5041% | 3,829 |
| Core capital (leverage) ratio | 10.3262% | 2,536 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6798% | 990 |
| Memoranda: | ||
| Average total assets | $227,316,750 | 2,812 |
| Average earning assets | $211,732,500 | 2,802 |
| Average equity | $15,226,500 | 3,236 |
| Average total loans | $144,422,500 | 2,722 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5173% | 2,603 |
| Cost of funding earning assets | 0.4012% | 4,165 |
| Net interest margin | 4.1160% | 1,059 |
| Noninterest income to average assets | 0.5100% | 1,835 |
| Noninterest expense to average assets | 3.4205% | 588 |
| Loan and lease loss provision to assets | 0.0600% | 1,720 |
| Net operating income to assets | 0.6903% | 3,362 |
| Return on assets (ROA) | 0.6586% | 3,441 |
| Pretax return on assets | 0.8255% | 3,338 |
| Return on Equity (ROE) | 9.7400% | 2,780 |
| Retained earnings to average equity (ytd only) | 9.7394% | 1,478 |
| Net charge-offs to loans | 0.0292% | 1,305 |
| Credit loss provision to net charge-offs | 314.2857% | 843 |
| Earnings coverage of net charge-offs (x) | 50.0476% | 1,285 |
| Efficiency ratio | 78.7505% | 942 |
| Assets per employee ($millions) | 4.2857% | 4,064 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3095% | 1,891 |
| Loan loss allowance to noncurrent loans | 263.2011% | 2,300 |
| Noncurrent assets plus other real estate owned to assets | 0.3159% | 1,654 |
| Noncurrent loans to loans | 0.4975% | 1,464 |
| Net loans and leases to total assets | 62.6600% | 2,515 |
| Net loans and leases to deposits | 72.8545% | 2,587 |
| Net loans and leases to core deposits | 74.6861% | 2,845 |
| Total domestic deposits to total assets | 86.0000% | 2,228 |
| Equity capital to assets | 6.8384% | 3,877 |
| Core capital (leverage) ratio | 10.2053% | 2,564 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4186% | 1,047 |
| Memoranda: | ||
| Average total assets | $227,741,667 | 2,821 |
| Average earning assets | $212,341,333 | 2,811 |
| Average equity | $15,401,333 | 3,238 |
| Average total loans | $143,661,333 | 2,736 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4300% | 2,465 |
| Cost of funding earning assets | 0.2791% | 4,236 |
| Net interest margin | 4.1509% | 1,024 |
| Noninterest income to average assets | 0.4700% | 1,975 |
| Noninterest expense to average assets | 3.4936% | 542 |
| Loan and lease loss provision to assets | 0.0500% | 1,764 |
| Net operating income to assets | 0.6215% | 3,654 |
| Return on assets (ROA) | 0.5613% | 3,736 |
| Pretax return on assets | 0.7171% | 3,624 |
| Return on Equity (ROE) | 8.3500% | 3,214 |
| Retained earnings to average equity (ytd only) | 8.3481% | 2,131 |
| Net charge-offs to loans | 0.0169% | 1,346 |
| Credit loss provision to net charge-offs | 483.3333% | 565 |
| Earnings coverage of net charge-offs (x) | 79.5000% | 896 |
| Efficiency ratio | 80.5306% | 792 |
| Assets per employee ($millions) | 3.7898% | 4,330 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3199% | 1,952 |
| Loan loss allowance to noncurrent loans | 578.1155% | 1,462 |
| Noncurrent assets plus other real estate owned to assets | 0.1471% | 2,482 |
| Noncurrent loans to loans | 0.2283% | 2,355 |
| Net loans and leases to total assets | 63.6000% | 2,284 |
| Net loans and leases to deposits | 69.9683% | 2,616 |
| Net loans and leases to core deposits | 71.4190% | 2,857 |
| Total domestic deposits to total assets | 90.8900% | 834 |
| Equity capital to assets | 7.0466% | 3,806 |
| Core capital (leverage) ratio | 10.0954% | 2,594 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6630% | 1,046 |
| Memoranda: | ||
| Average total assets | $225,898,500 | 2,867 |
| Average earning assets | $210,653,000 | 2,854 |
| Average equity | $15,189,000 | 3,289 |
| Average total loans | $142,027,000 | 2,781 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9335% | 1,901 |
| Cost of funding earning assets | 0.2217% | 3,583 |
| Net interest margin | 3.7118% | 1,350 |
| Noninterest income to average assets | 0.5500% | 1,854 |
| Noninterest expense to average assets | 3.2647% | 660 |
| Loan and lease loss provision to assets | 0.0300% | 2,326 |
| Net operating income to assets | 0.4664% | 4,141 |
| Return on assets (ROA) | 0.4649% | 4,105 |
| Pretax return on assets | 0.5683% | 4,081 |
| Return on Equity (ROE) | 6.0500% | 3,817 |
| Retained earnings to average equity (ytd only) | 6.0524% | 2,622 |
| Net charge-offs to loans | 0.0700% | 944 |
| Credit loss provision to net charge-offs | 83.3333% | 1,664 |
| Earnings coverage of net charge-offs (x) | 15.0444% | 2,014 |
| Efficiency ratio | 84.3973% | 475 |
| Assets per employee ($millions) | 3.7410% | 4,367 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9582% | 3,574 |
| Loan loss allowance to noncurrent loans | 172.5869% | 2,824 |
| Noncurrent assets plus other real estate owned to assets | 0.3405% | 1,491 |
| Noncurrent loans to loans | 0.5552% | 1,334 |
| Net loans and leases to total assets | 60.7400% | 2,582 |
| Net loans and leases to deposits | 66.2023% | 2,883 |
| Net loans and leases to core deposits | 67.2895% | 3,051 |
| Total domestic deposits to total assets | 91.7500% | 701 |
| Equity capital to assets | 6.4075% | 3,936 |
| Core capital (leverage) ratio | 10.0325% | 2,602 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6671% | 1,028 |
| Memoranda: | ||
| Average total assets | $224,337,800 | 2,879 |
| Average earning assets | $200,712,000 | 2,929 |
| Average equity | $17,232,800 | 3,189 |
| Average total loans | $128,483,400 | 2,845 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8090% | 1,737 |
| Cost of funding earning assets | 0.2232% | 3,010 |
| Net interest margin | 3.5858% | 1,425 |
| Noninterest income to average assets | 0.4300% | 2,559 |
| Noninterest expense to average assets | 3.0854% | 808 |
| Loan and lease loss provision to assets | 0.0300% | 2,122 |
| Net operating income to assets | 0.3943% | 4,251 |
| Return on assets (ROA) | 0.3934% | 4,198 |
| Pretax return on assets | 0.4912% | 4,165 |
| Return on Equity (ROE) | 4.9100% | 3,994 |
| Retained earnings to average equity (ytd only) | 4.9126% | 3,131 |
| Net charge-offs to loans | 0.0945% | 653 |
| Credit loss provision to net charge-offs | 50.5618% | 1,520 |
| Earnings coverage of net charge-offs (x) | 9.7753% | 2,011 |
| Efficiency ratio | 85.5936% | 475 |
| Assets per employee ($millions) | 3.8920% | 4,367 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9912% | 3,525 |
| Loan loss allowance to noncurrent loans | 160.1954% | 2,949 |
| Noncurrent assets plus other real estate owned to assets | 0.3628% | 1,489 |
| Noncurrent loans to loans | 0.6187% | 1,311 |
| Net loans and leases to total assets | 58.0600% | 2,691 |
| Net loans and leases to deposits | 63.1936% | 2,930 |
| Net loans and leases to core deposits | 64.2582% | 3,091 |
| Total domestic deposits to total assets | 91.8700% | 920 |
| Equity capital to assets | 6.2170% | 3,877 |
| Core capital (leverage) ratio | 9.8988% | 2,657 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1152% | 1,154 |
| Memoranda: | ||
| Average total assets | $223,372,000 | 2,898 |
| Average earning assets | $197,703,250 | 2,977 |
| Average equity | $17,885,500 | 3,167 |
| Average total loans | $125,615,750 | 2,876 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7001% | 1,542 |
| Cost of funding earning assets | 0.2209% | 2,639 |
| Net interest margin | 3.4792% | 1,372 |
| Noninterest income to average assets | 0.4358% | 2,538 |
| Noninterest expense to average assets | 3.0766% | 758 |
| Loan and lease loss provision to assets | 0.0404% | 1,859 |
| Net operating income to assets | 0.3125% | 4,267 |
| Return on assets (ROA) | 0.3118% | 4,216 |
| Pretax return on assets | 0.3891% | 4,177 |
| Return on Equity (ROE) | 3.6204% | 4,111 |
| Retained earnings to average equity (ytd only) | 3.6204% | 3,224 |
| Net charge-offs to loans | 0.0211% | 1,310 |
| Credit loss provision to net charge-offs | 346.1538% | 749 |
| Earnings coverage of net charge-offs (x) | 36.8462% | 1,302 |
| Efficiency ratio | 87.7274% | 499 |
| Assets per employee ($millions) | 4.2028% | 4,265 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0763% | 3,254 |
| Loan loss allowance to noncurrent loans | 164.6501% | 2,904 |
| Noncurrent assets plus other real estate owned to assets | 0.3785% | 1,485 |
| Noncurrent loans to loans | 0.6537% | 1,310 |
| Net loans and leases to total assets | 57.2709% | 2,603 |
| Net loans and leases to deposits | 63.0868% | 2,797 |
| Net loans and leases to core deposits | 63.8826% | 2,981 |
| Total domestic deposits to total assets | 90.7811% | 1,351 |
| Equity capital to assets | 7.1838% | 3,673 |
| Core capital (leverage) ratio | 10.5761% | 1,886 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7840% | 1,229 |
| Memoranda: | ||
| Average total assets | $222,584,333 | 2,928 |
| Average earning assets | $196,482,667 | 3,018 |
| Average equity | $19,169,333 | 3,135 |
| Average total loans | $123,364,000 | 2,911 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6418% | 1,399 |
| Cost of funding earning assets | 0.2194% | 2,541 |
| Net interest margin | 3.4224% | 1,254 |
| Noninterest income to average assets | 0.4926% | 2,184 |
| Noninterest expense to average assets | 3.1622% | 635 |
| Loan and lease loss provision to assets | 0.0809% | 1,013 |
| Net operating income to assets | 0.2010% | 4,334 |
| Return on assets (ROA) | 0.1995% | 4,301 |
| Pretax return on assets | 0.2481% | 4,270 |
| Return on Equity (ROE) | 2.1394% | 4,239 |
| Retained earnings to average equity (ytd only) | 2.1394% | 3,508 |
| Net charge-offs to loans | 0.0232% | 1,089 |
| Credit loss provision to net charge-offs | 642.8571% | 447 |
| Earnings coverage of net charge-offs (x) | 26.2857% | 1,191 |
| Efficiency ratio | 90.5301% | 522 |
| Assets per employee ($millions) | 4.2825% | 4,259 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1502% | 3,100 |
| Loan loss allowance to noncurrent loans | 171.4637% | 2,798 |
| Noncurrent assets plus other real estate owned to assets | 0.3651% | 1,651 |
| Noncurrent loans to loans | 0.6708% | 1,414 |
| Net loans and leases to total assets | 53.7985% | 2,784 |
| Net loans and leases to deposits | 60.1192% | 2,898 |
| Net loans and leases to core deposits | 60.8877% | 3,074 |
| Total domestic deposits to total assets | 89.4864% | 1,818 |
| Equity capital to assets | 8.4574% | 3,200 |
| Core capital (leverage) ratio | 10.0901% | 2,198 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2762% | 1,197 |
| Memoranda: | ||
| Average total assets | $222,501,500 | 2,944 |
| Average earning assets | $195,069,500 | 3,043 |
| Average equity | $20,753,000 | 3,077 |
| Average total loans | $120,566,500 | 2,938 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9046% | 1,596 |
| Cost of funding earning assets | 0.2359% | 3,078 |
| Net interest margin | 3.6687% | 1,295 |
| Noninterest income to average assets | 0.5969% | 2,172 |
| Noninterest expense to average assets | 3.4542% | 515 |
| Loan and lease loss provision to assets | 0.1684% | 693 |
| Net operating income to assets | 0.3279% | 4,389 |
| Return on assets (ROA) | 0.5422% | 4,047 |
| Pretax return on assets | 0.4262% | 4,362 |
| Return on Equity (ROE) | 5.1402% | 3,963 |
| Retained earnings to average equity (ytd only) | 5.1402% | 2,730 |
| Net charge-offs to loans | 0.0016% | 2,597 |
| Credit loss provision to net charge-offs | 18,000.0000% | 39 |
| Earnings coverage of net charge-offs (x) | 406.5000% | 322 |
| Efficiency ratio | 90.0817% | 329 |
| Assets per employee ($millions) | 3.9002% | 4,456 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1315% | 3,221 |
| Loan loss allowance to noncurrent loans | 164.8846% | 2,854 |
| Noncurrent assets plus other real estate owned to assets | 0.3702% | 1,741 |
| Noncurrent loans to loans | 0.6862% | 1,461 |
| Net loans and leases to total assets | 53.3383% | 2,931 |
| Net loans and leases to deposits | 60.7869% | 3,008 |
| Net loans and leases to core deposits | 61.4787% | 3,208 |
| Total domestic deposits to total assets | 87.7464% | 2,174 |
| Equity capital to assets | 10.1983% | 2,474 |
| Core capital (leverage) ratio | 10.1416% | 2,232 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3515% | 1,424 |
| Memoranda: | ||
| Average total assets | $213,768,600 | 2,956 |
| Average earning assets | $188,651,200 | 3,042 |
| Average equity | $22,547,600 | 3,013 |
| Average total loans | $122,057,000 | 2,936 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8881% | 1,794 |
| Cost of funding earning assets | 0.2401% | 3,210 |
| Net interest margin | 3.6480% | 1,473 |
| Noninterest income to average assets | 0.6319% | 2,091 |
| Noninterest expense to average assets | 3.4184% | 515 |
| Loan and lease loss provision to assets | 0.1607% | 686 |
| Net operating income to assets | 0.2148% | 4,614 |
| Return on assets (ROA) | 0.4467% | 4,335 |
| Pretax return on assets | 0.5588% | 4,287 |
| Return on Equity (ROE) | 4.1983% | 4,270 |
| Retained earnings to average equity (ytd only) | 4.1983% | 3,514 |
| Net charge-offs to loans | 0.0022% | 2,302 |
| Credit loss provision to net charge-offs | 12,750.0000% | 62 |
| Earnings coverage of net charge-offs (x) | 341.0000% | 403 |
| Efficiency ratio | 88.8343% | 355 |
| Assets per employee ($millions) | 3.9154% | 4,495 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0467% | 3,682 |
| Loan loss allowance to noncurrent loans | 229.9632% | 2,356 |
| Noncurrent assets plus other real estate owned to assets | 0.2481% | 2,539 |
| Noncurrent loans to loans | 0.4551% | 2,200 |
| Net loans and leases to total assets | 53.9414% | 2,976 |
| Net loans and leases to deposits | 61.5452% | 3,089 |
| Net loans and leases to core deposits | 62.1536% | 3,303 |
| Total domestic deposits to total assets | 87.6453% | 2,036 |
| Equity capital to assets | 10.3179% | 2,601 |
| Core capital (leverage) ratio | 10.1877% | 2,323 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8901% | 1,152 |
| Memoranda: | ||
| Average total assets | $211,633,000 | 3,002 |
| Average earning assets | $186,580,000 | 3,091 |
| Average equity | $22,516,500 | 3,053 |
| Average total loans | $122,587,750 | 2,970 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8911% | 1,837 |
| Cost of funding earning assets | 0.2457% | 3,317 |
| Net interest margin | 3.6454% | 1,482 |
| Noninterest income to average assets | 0.6361% | 2,061 |
| Noninterest expense to average assets | 3.5066% | 467 |
| Loan and lease loss provision to assets | 0.1626% | 713 |
| Net operating income to assets | 0.1513% | 4,664 |
| Return on assets (ROA) | 0.5041% | 4,260 |
| Pretax return on assets | 0.6294% | 4,192 |
| Return on Equity (ROE) | 4.6884% | 4,192 |
| Retained earnings to average equity (ytd only) | 4.6884% | 3,303 |
| Net charge-offs to loans | 0.0356% | 1,287 |
| Credit loss provision to net charge-offs | 772.7273% | 550 |
| Earnings coverage of net charge-offs (x) | 16.6818% | 1,595 |
| Efficiency ratio | 90.9001% | 316 |
| Assets per employee ($millions) | 3.9570% | 4,475 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9649% | 3,950 |
| Loan loss allowance to noncurrent loans | 140.4412% | 2,950 |
| Noncurrent assets plus other real estate owned to assets | 0.3819% | 2,084 |
| Noncurrent loans to loans | 0.6871% | 1,707 |
| Net loans and leases to total assets | 55.0447% | 3,010 |
| Net loans and leases to deposits | 63.0776% | 3,095 |
| Net loans and leases to core deposits | 63.6329% | 3,320 |
| Total domestic deposits to total assets | 87.2650% | 2,187 |
| Equity capital to assets | 10.5205% | 2,377 |
| Core capital (leverage) ratio | 10.3488% | 2,075 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9433% | 1,133 |
| Memoranda: | ||
| Average total assets | $209,090,667 | 3,021 |
| Average earning assets | $184,779,667 | 3,106 |
| Average equity | $22,481,000 | 3,050 |
| Average total loans | $123,609,333 | 2,974 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9370% | 1,729 |
| Cost of funding earning assets | 0.2695% | 3,279 |
| Net interest margin | 3.6676% | 1,407 |
| Noninterest income to average assets | 0.5532% | 2,395 |
| Noninterest expense to average assets | 3.3618% | 550 |
| Loan and lease loss provision to assets | 0.1644% | 767 |
| Net operating income to assets | 0.2104% | 4,630 |
| Return on assets (ROA) | 0.8588% | 3,321 |
| Pretax return on assets | 1.0755% | 3,176 |
| Return on Equity (ROE) | 7.8998% | 3,357 |
| Retained earnings to average equity (ytd only) | 7.8998% | 2,277 |
| Net charge-offs to loans | -0.0063% | 3,489 |
| Credit loss provision to net charge-offs | -4,250.0000% | 3,692 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.6735% | 416 |
| Assets per employee ($millions) | 3.8436% | 4,565 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8764% | 4,225 |
| Loan loss allowance to noncurrent loans | 177.1615% | 2,552 |
| Noncurrent assets plus other real estate owned to assets | 0.2900% | 2,691 |
| Noncurrent loans to loans | 0.4947% | 2,371 |
| Net loans and leases to total assets | 58.1027% | 2,787 |
| Net loans and leases to deposits | 67.1959% | 2,787 |
| Net loans and leases to core deposits | 67.7982% | 3,079 |
| Total domestic deposits to total assets | 86.4677% | 2,538 |
| Equity capital to assets | 10.3993% | 2,358 |
| Core capital (leverage) ratio | 10.6942% | 1,930 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8547% | 1,345 |
| Memoranda: | ||
| Average total assets | $206,796,500 | 3,027 |
| Average earning assets | $182,573,500 | 3,115 |
| Average equity | $22,481,500 | 3,045 |
| Average total loans | $126,031,500 | 2,948 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2700% | 1,953 |
| Cost of funding earning assets | 0.5319% | 2,736 |
| Net interest margin | 3.7381% | 1,677 |
| Noninterest income to average assets | 0.5834% | 2,285 |
| Noninterest expense to average assets | 3.4870% | 698 |
| Loan and lease loss provision to assets | 0.1643% | 2,324 |
| Net operating income to assets | 0.3195% | 4,403 |
| Return on assets (ROA) | 0.4586% | 4,201 |
| Pretax return on assets | 0.3969% | 4,424 |
| Return on Equity (ROE) | 4.1401% | 4,129 |
| Retained earnings to average equity (ytd only) | 4.1401% | 2,741 |
| Net charge-offs to loans | 0.0380% | 2,293 |
| Credit loss provision to net charge-offs | 663.2653% | 1,034 |
| Earnings coverage of net charge-offs (x) | 17.0408% | 2,099 |
| Efficiency ratio | 89.2007% | 400 |
| Assets per employee ($millions) | 3.6763% | 4,574 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7796% | 4,463 |
| Loan loss allowance to noncurrent loans | 202.2267% | 2,323 |
| Noncurrent assets plus other real estate owned to assets | 0.2443% | 3,065 |
| Noncurrent loans to loans | 0.3855% | 2,827 |
| Net loans and leases to total assets | 62.8848% | 2,498 |
| Net loans and leases to deposits | 75.2242% | 2,356 |
| Net loans and leases to core deposits | 75.8249% | 2,744 |
| Total domestic deposits to total assets | 83.5965% | 3,238 |
| Equity capital to assets | 11.3648% | 1,982 |
| Core capital (leverage) ratio | 10.6437% | 2,048 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7731% | 1,321 |
| Memoranda: | ||
| Average total assets | $197,791,000 | 2,960 |
| Average earning assets | $175,971,800 | 3,026 |
| Average equity | $21,907,800 | 3,019 |
| Average total loans | $128,842,800 | 2,882 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2666% | 2,195 |
| Cost of funding earning assets | 0.6098% | 2,553 |
| Net interest margin | 3.6568% | 2,082 |
| Noninterest income to average assets | 0.5457% | 2,401 |
| Noninterest expense to average assets | 3.5751% | 638 |
| Loan and lease loss provision to assets | 0.0915% | 3,169 |
| Net operating income to assets | 0.1068% | 4,694 |
| Return on assets (ROA) | 0.2562% | 4,559 |
| Pretax return on assets | 0.3240% | 4,524 |
| Return on Equity (ROE) | 2.3290% | 4,504 |
| Retained earnings to average equity (ytd only) | 2.3290% | 3,813 |
| Net charge-offs to loans | 0.0114% | 2,698 |
| Credit loss provision to net charge-offs | 1,227.2727% | 720 |
| Earnings coverage of net charge-offs (x) | 30.3636% | 1,568 |
| Efficiency ratio | 94.0442% | 262 |
| Assets per employee ($millions) | 3.3306% | 4,732 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6494% | 4,666 |
| Loan loss allowance to noncurrent loans | 134.0729% | 2,880 |
| Noncurrent assets plus other real estate owned to assets | 0.3158% | 2,887 |
| Noncurrent loans to loans | 0.4843% | 2,615 |
| Net loans and leases to total assets | 64.7713% | 2,665 |
| Net loans and leases to deposits | 78.3223% | 2,504 |
| Net loans and leases to core deposits | 78.9606% | 2,928 |
| Total domestic deposits to total assets | 82.6984% | 3,223 |
| Equity capital to assets | 11.2266% | 2,213 |
| Core capital (leverage) ratio | 10.2873% | 2,448 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2495% | 1,435 |
| Memoranda: | ||
| Average total assets | $196,690,000 | 2,951 |
| Average earning assets | $175,123,000 | 3,024 |
| Average equity | $21,640,000 | 3,032 |
| Average total loans | $129,016,250 | 2,880 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3406% | 2,361 |
| Cost of funding earning assets | 0.7503% | 2,121 |
| Net interest margin | 3.5903% | 2,516 |
| Noninterest income to average assets | 0.4631% | 2,749 |
| Noninterest expense to average assets | 3.4390% | 808 |
| Loan and lease loss provision to assets | 0.0920% | 3,117 |
| Net operating income to assets | 0.0988% | 4,690 |
| Return on assets (ROA) | 0.1993% | 4,618 |
| Pretax return on assets | 0.2443% | 4,592 |
| Return on Equity (ROE) | 1.8246% | 4,558 |
| Retained earnings to average equity (ytd only) | 1.8246% | 3,821 |
| Net charge-offs to loans | 0.0062% | 2,744 |
| Credit loss provision to net charge-offs | 2,250.0000% | 439 |
| Earnings coverage of net charge-offs (x) | 52.2500% | 1,070 |
| Efficiency ratio | 94.1506% | 292 |
| Assets per employee ($millions) | 3.5062% | 4,655 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6140% | 4,722 |
| Loan loss allowance to noncurrent loans | 86.9752% | 3,409 |
| Noncurrent assets plus other real estate owned to assets | 0.4491% | 2,523 |
| Noncurrent loans to loans | 0.7059% | 2,114 |
| Net loans and leases to total assets | 63.2268% | 2,975 |
| Net loans and leases to deposits | 77.5703% | 2,704 |
| Net loans and leases to core deposits | 81.0952% | 2,862 |
| Total domestic deposits to total assets | 81.5090% | 3,494 |
| Equity capital to assets | 10.6527% | 2,619 |
| Core capital (leverage) ratio | 10.0424% | 2,797 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7437% | 1,559 |
| Memoranda: | ||
| Average total assets | $195,641,000 | 2,941 |
| Average earning assets | $173,801,000 | 3,018 |
| Average equity | $21,375,000 | 3,040 |
| Average total loans | $128,594,000 | 2,878 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3647% | 2,730 |
| Cost of funding earning assets | 0.8902% | 1,919 |
| Net interest margin | 3.4745% | 3,068 |
| Noninterest income to average assets | 0.4484% | 2,800 |
| Noninterest expense to average assets | 3.5469% | 869 |
| Loan and lease loss provision to assets | 0.0947% | 2,500 |
| Net operating income to assets | -0.0456% | 4,771 |
| Return on assets (ROA) | 0.1684% | 4,581 |
| Pretax return on assets | 0.2063% | 4,557 |
| Return on Equity (ROE) | 1.5206% | 4,541 |
| Retained earnings to average equity (ytd only) | 1.5206% | 3,596 |
| Net charge-offs to loans | 0.0220% | 1,927 |
| Credit loss provision to net charge-offs | 642.8571% | 756 |
| Earnings coverage of net charge-offs (x) | 2.7143% | 2,262 |
| Efficiency ratio | 98.8850% | 258 |
| Assets per employee ($millions) | 3.3861% | 4,570 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5946% | 4,766 |
| Loan loss allowance to noncurrent loans | 95.1189% | 3,314 |
| Noncurrent assets plus other real estate owned to assets | 0.4756% | 2,576 |
| Noncurrent loans to loans | 0.6251% | 2,427 |
| Net loans and leases to total assets | 65.8287% | 2,836 |
| Net loans and leases to deposits | 82.0381% | 2,449 |
| Net loans and leases to core deposits | 90.9621% | 2,256 |
| Total domestic deposits to total assets | 80.2416% | 3,816 |
| Equity capital to assets | 10.9151% | 2,929 |
| Core capital (leverage) ratio | 10.8286% | 2,621 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6434% | 1,433 |
| Memoranda: | ||
| Average total assets | $190,027,500 | 2,954 |
| Average earning assets | $171,648,500 | 3,002 |
| Average equity | $21,044,000 | 3,072 |
| Average total loans | $127,089,000 | 2,867 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4925% | 2,972 |
| Cost of funding earning assets | 0.6635% | 3,338 |
| Net interest margin | 3.8290% | 2,409 |
| Noninterest income to average assets | 0.7077% | 1,788 |
| Noninterest expense to average assets | 3.7326% | 730 |
| Loan and lease loss provision to assets | 0.0965% | 2,107 |
| Net operating income to assets | 0.2817% | 4,767 |
| Return on assets (ROA) | 0.3169% | 4,759 |
| Pretax return on assets | 0.3941% | 4,719 |
| Return on Equity (ROE) | 2.8854% | 4,683 |
| Retained earnings to average equity (ytd only) | 2.8854% | 3,589 |
| Net charge-offs to loans | 0.0807% | 1,949 |
| Credit loss provision to net charge-offs | 180.0000% | 1,454 |
| Earnings coverage of net charge-offs (x) | 8.3300% | 2,783 |
| Efficiency ratio | 89.3137% | 376 |
| Assets per employee ($millions) | 3.4009% | 4,565 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5714% | 4,792 |
| Loan loss allowance to noncurrent loans | 118.5550% | 2,986 |
| Noncurrent assets plus other real estate owned to assets | 0.3892% | 2,851 |
| Noncurrent loans to loans | 0.4819% | 2,742 |
| Net loans and leases to total assets | 67.1710% | 2,803 |
| Net loans and leases to deposits | 82.4282% | 2,505 |
| Net loans and leases to core deposits | 91.5531% | 2,273 |
| Total domestic deposits to total assets | 81.4903% | 3,646 |
| Equity capital to assets | 11.2383% | 2,772 |
| Core capital (leverage) ratio | 10.9351% | 2,557 |
| Tier 1 risk-based capital ratio | 16.1416% | 2,355 |
| Total risk-based capital ratio | 16.7147% | 2,520 |
| Memoranda: | ||
| Average total assets | $186,521,200 | 2,950 |
| Average earning assets | $169,102,600 | 3,003 |
| Average equity | $20,482,400 | 3,090 |
| Average total loans | $123,839,200 | 2,894 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5055% | 3,050 |
| Cost of funding earning assets | 0.6705% | 3,351 |
| Net interest margin | 3.8350% | 2,488 |
| Noninterest income to average assets | 0.7211% | 1,694 |
| Noninterest expense to average assets | 3.7083% | 743 |
| Loan and lease loss provision to assets | 0.0966% | 1,981 |
| Net operating income to assets | 0.3038% | 4,838 |
| Return on assets (ROA) | 0.3548% | 4,806 |
| Pretax return on assets | 0.4406% | 4,761 |
| Return on Equity (ROE) | 3.2501% | 4,724 |
| Retained earnings to average equity (ytd only) | 3.2501% | 3,782 |
| Net charge-offs to loans | 0.0563% | 2,025 |
| Credit loss provision to net charge-offs | 259.6154% | 1,054 |
| Earnings coverage of net charge-offs (x) | 12.7503% | 2,335 |
| Efficiency ratio | 88.6609% | 369 |
| Assets per employee ($millions) | 3.2433% | 4,715 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5819% | 4,856 |
| Loan loss allowance to noncurrent loans | 68.2032% | 3,854 |
| Noncurrent assets plus other real estate owned to assets | 0.5750% | 2,279 |
| Noncurrent loans to loans | 0.8532% | 1,876 |
| Net loans and leases to total assets | 66.9993% | 2,926 |
| Net loans and leases to deposits | 82.1826% | 2,662 |
| Net loans and leases to core deposits | 89.8851% | 2,553 |
| Total domestic deposits to total assets | 81.5250% | 3,610 |
| Equity capital to assets | 11.4494% | 2,700 |
| Core capital (leverage) ratio | 10.8054% | 2,834 |
| Tier 1 risk-based capital ratio | 16.5234% | 2,261 |
| Total risk-based capital ratio | 17.1152% | 2,424 |
| Memoranda: | ||
| Average total assets | $186,389,500 | 2,977 |
| Average earning assets | $168,234,500 | 3,037 |
| Average equity | $20,347,750 | 3,120 |
| Average total loans | $123,208,000 | 2,934 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4629% | 3,135 |
| Cost of funding earning assets | 0.6552% | 3,379 |
| Net interest margin | 3.8078% | 2,565 |
| Noninterest income to average assets | 0.6977% | 1,722 |
| Noninterest expense to average assets | 3.6159% | 838 |
| Loan and lease loss provision to assets | 0.0963% | 1,930 |
| Net operating income to assets | 0.3429% | 4,812 |
| Return on assets (ROA) | 0.3360% | 4,836 |
| Pretax return on assets | 0.4163% | 4,812 |
| Return on Equity (ROE) | 3.1283% | 4,768 |
| Retained earnings to average equity (ytd only) | 3.1283% | 3,655 |
| Net charge-offs to loans | 0.0864% | 1,501 |
| Credit loss provision to net charge-offs | 169.8113% | 1,364 |
| Earnings coverage of net charge-offs (x) | 9.1887% | 2,350 |
| Efficiency ratio | 87.4030% | 468 |
| Assets per employee ($millions) | 3.6836% | 4,269 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5473% | 4,957 |
| Loan loss allowance to noncurrent loans | 83.9308% | 3,582 |
| Noncurrent assets plus other real estate owned to assets | 0.4306% | 2,794 |
| Noncurrent loans to loans | 0.6521% | 2,318 |
| Net loans and leases to total assets | 65.6723% | 3,150 |
| Net loans and leases to deposits | 83.4369% | 2,553 |
| Net loans and leases to core deposits | 91.8016% | 2,432 |
| Total domestic deposits to total assets | 78.7090% | 4,274 |
| Equity capital to assets | 11.1368% | 2,917 |
| Core capital (leverage) ratio | 10.8957% | 2,696 |
| Tier 1 risk-based capital ratio | 16.0655% | 2,382 |
| Total risk-based capital ratio | 16.6093% | 2,609 |
| Memoranda: | ||
| Average total assets | $186,897,330 | 2,980 |
| Average earning assets | $168,813,330 | 3,039 |
| Average equity | $20,075,000 | 3,139 |
| Average total loans | $122,749,330 | 2,949 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4777% | 2,948 |
| Cost of funding earning assets | 0.6162% | 3,486 |
| Net interest margin | 3.8615% | 2,307 |
| Noninterest income to average assets | 0.7617% | 1,390 |
| Noninterest expense to average assets | 3.6306% | 814 |
| Loan and lease loss provision to assets | 0.0966% | 1,815 |
| Net operating income to assets | 0.4168% | 4,693 |
| Return on assets (ROA) | 0.4098% | 4,723 |
| Pretax return on assets | 0.5085% | 4,662 |
| Return on Equity (ROE) | 3.8877% | 4,598 |
| Retained earnings to average equity (ytd only) | 3.8877% | 3,358 |
| Net charge-offs to loans | 0.1048% | 1,110 |
| Credit loss provision to net charge-offs | 140.6250% | 1,292 |
| Earnings coverage of net charge-offs (x) | 8.9375% | 2,060 |
| Efficiency ratio | 85.5410% | 610 |
| Assets per employee ($millions) | 3.3576% | 4,694 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5378% | 5,038 |
| Loan loss allowance to noncurrent loans | 58.2222% | 4,104 |
| Noncurrent assets plus other real estate owned to assets | 0.5983% | 2,278 |
| Noncurrent loans to loans | 0.9237% | 1,809 |
| Net loans and leases to total assets | 64.4237% | 3,232 |
| Net loans and leases to deposits | 81.2776% | 2,694 |
| Net loans and leases to core deposits | 89.4868% | 2,555 |
| Total domestic deposits to total assets | 79.2638% | 4,304 |
| Equity capital to assets | 10.6832% | 3,179 |
| Core capital (leverage) ratio | 10.6960% | 2,852 |
| Tier 1 risk-based capital ratio | 16.0889% | 2,397 |
| Total risk-based capital ratio | 16.6174% | 2,634 |
| Memoranda: | ||
| Average total assets | $186,414,500 | 3,019 |
| Average earning assets | $168,122,000 | 3,073 |
| Average equity | $19,651,500 | 3,190 |
| Average total loans | $122,097,500 | 2,992 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3451% | 2,944 |
| Cost of funding earning assets | 0.3420% | 4,335 |
| Net interest margin | 4.0031% | 1,978 |
| Noninterest income to average assets | 0.6101% | 2,237 |
| Noninterest expense to average assets | 3.9485% | 575 |
| Loan and lease loss provision to assets | 0.1041% | 2,112 |
| Net operating income to assets | 0.1305% | 5,160 |
| Return on assets (ROA) | 0.1272% | 5,157 |
| Pretax return on assets | 0.1347% | 5,156 |
| Return on Equity (ROE) | 1.1681% | 5,144 |
| Retained earnings to average equity (ytd only) | 1.1681% | 4,660 |
| Net charge-offs to loans | -0.0418% | 4,915 |
| Credit loss provision to net charge-offs | -409.0909% | 4,602 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.2183% | 237 |
| Assets per employee ($millions) | 3.2920% | 4,747 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5245% | 5,095 |
| Loan loss allowance to noncurrent loans | 53.5893% | 4,250 |
| Noncurrent assets plus other real estate owned to assets | 0.6498% | 2,097 |
| Noncurrent loans to loans | 0.9787% | 1,660 |
| Net loans and leases to total assets | 66.0505% | 3,127 |
| Net loans and leases to deposits | 84.6673% | 2,444 |
| Net loans and leases to core deposits | 90.6658% | 2,516 |
| Total domestic deposits to total assets | 78.0117% | 4,491 |
| Equity capital to assets | 10.1783% | 3,491 |
| Core capital (leverage) ratio | 10.5154% | 3,013 |
| Tier 1 risk-based capital ratio | 14.5582% | 3,037 |
| Total risk-based capital ratio | 15.0438% | 3,319 |
| Memoranda: | ||
| Average total assets | $172,926,800 | 3,139 |
| Average earning assets | $154,681,000 | 3,184 |
| Average equity | $18,833,800 | 3,197 |
| Average total loans | $105,286,800 | 3,212 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2027% | 3,313 |
| Cost of funding earning assets | 0.2802% | 4,633 |
| Net interest margin | 3.9224% | 2,222 |
| Noninterest income to average assets | 0.7024% | 1,852 |
| Noninterest expense to average assets | 4.0853% | 468 |
| Loan and lease loss provision to assets | 0.1058% | 1,895 |
| Net operating income to assets | 0.0102% | 5,295 |
| Return on assets (ROA) | 0.0110% | 5,292 |
| Pretax return on assets | 0.0016% | 5,293 |
| Return on Equity (ROE) | 0.0990% | 5,292 |
| Retained earnings to average equity (ytd only) | 0.0990% | 5,020 |
| Net charge-offs to loans | -0.0911% | 5,137 |
| Credit loss provision to net charge-offs | -195.6522% | 4,323 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.4565% | 182 |
| Assets per employee ($millions) | 3.2718% | 4,807 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5248% | 5,158 |
| Loan loss allowance to noncurrent loans | 54.9956% | 4,305 |
| Noncurrent assets plus other real estate owned to assets | 0.6200% | 2,326 |
| Noncurrent loans to loans | 0.9542% | 1,785 |
| Net loans and leases to total assets | 64.3512% | 3,382 |
| Net loans and leases to deposits | 80.8590% | 2,946 |
| Net loans and leases to core deposits | 86.5032% | 2,956 |
| Total domestic deposits to total assets | 79.5844% | 4,201 |
| Equity capital to assets | 10.1235% | 3,518 |
| Core capital (leverage) ratio | 10.7855% | 2,809 |
| Tier 1 risk-based capital ratio | 14.9300% | 2,915 |
| Total risk-based capital ratio | 15.4177% | 3,201 |
| Memoranda: | ||
| Average total assets | $170,070,250 | 3,195 |
| Average earning assets | $151,296,750 | 3,261 |
| Average equity | $18,851,250 | 3,217 |
| Average total loans | $101,006,500 | 3,311 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1577% | 3,252 |
| Cost of funding earning assets | 0.2101% | 4,978 |
| Net interest margin | 3.9475% | 2,039 |
| Noninterest income to average assets | 0.6929% | 1,896 |
| Noninterest expense to average assets | 4.1862% | 417 |
| Loan and lease loss provision to assets | 0.1086% | 1,804 |
| Net operating income to assets | -0.0771% | 5,371 |
| Return on assets (ROA) | -0.0809% | 5,366 |
| Pretax return on assets | -0.1147% | 5,377 |
| Return on Equity (ROE) | -0.7070% | 5,367 |
| Retained earnings to average equity (ytd only) | -0.7070% | 5,047 |
| Net charge-offs to loans | -0.0778% | 5,072 |
| Credit loss provision to net charge-offs | -243.2432% | 4,227 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.0288% | 173 |
| Assets per employee ($millions) | 2.8897% | 5,167 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5365% | 5,212 |
| Loan loss allowance to noncurrent loans | 57.4895% | 4,276 |
| Noncurrent assets plus other real estate owned to assets | 0.5686% | 2,521 |
| Noncurrent loans to loans | 0.9332% | 1,860 |
| Net loans and leases to total assets | 60.2862% | 3,778 |
| Net loans and leases to deposits | 73.4392% | 3,585 |
| Net loans and leases to core deposits | 73.7420% | 3,895 |
| Total domestic deposits to total assets | 82.0899% | 3,694 |
| Equity capital to assets | 11.1626% | 2,488 |
| Core capital (leverage) ratio | 11.5585% | 2,028 |
| Tier 1 risk-based capital ratio | 17.4243% | 1,960 |
| Total risk-based capital ratio | 17.9250% | 2,153 |
| Memoranda: | ||
| Average total assets | $165,687,670 | 3,257 |
| Average earning assets | $146,572,670 | 3,339 |
| Average equity | $18,952,330 | 3,225 |
| Average total loans | $95,167,000 | 3,427 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1204% | 3,165 |
| Cost of funding earning assets | 0.2019% | 5,001 |
| Net interest margin | 3.9185% | 1,971 |
| Noninterest income to average assets | 0.6896% | 1,881 |
| Noninterest expense to average assets | 4.1887% | 416 |
| Loan and lease loss provision to assets | 0.1093% | 1,711 |
| Net operating income to assets | -0.1228% | 5,427 |
| Return on assets (ROA) | -0.1190% | 5,419 |
| Pretax return on assets | -0.1627% | 5,432 |
| Return on Equity (ROE) | -1.0276% | 5,420 |
| Retained earnings to average equity (ytd only) | -1.0276% | 4,913 |
| Net charge-offs to loans | -0.1653% | 5,332 |
| Credit loss provision to net charge-offs | -118.4211% | 3,715 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.4109% | 165 |
| Assets per employee ($millions) | 2.8123% | 5,283 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5402% | 5,277 |
| Loan loss allowance to noncurrent loans | 55.7286% | 4,341 |
| Noncurrent assets plus other real estate owned to assets | 0.5448% | 2,706 |
| Noncurrent loans to loans | 0.9693% | 1,879 |
| Net loans and leases to total assets | 55.5964% | 4,153 |
| Net loans and leases to deposits | 65.4357% | 4,130 |
| Net loans and leases to core deposits | 65.7459% | 4,326 |
| Total domestic deposits to total assets | 84.9634% | 2,943 |
| Equity capital to assets | 11.3429% | 2,262 |
| Core capital (leverage) ratio | 11.6901% | 1,862 |
| Tier 1 risk-based capital ratio | 18.3603% | 1,728 |
| Total risk-based capital ratio | 18.8450% | 1,900 |
| Memoranda: | ||
| Average total assets | $164,729,500 | 3,305 |
| Average earning assets | $144,647,000 | 3,399 |
| Average equity | $19,074,000 | 3,240 |
| Average total loans | $91,957,000 | 3,504 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1745% | 2,789 |
| Cost of funding earning assets | 0.1960% | 4,979 |
| Net interest margin | 3.9785% | 1,816 |
| Noninterest income to average assets | 0.7720% | 1,684 |
| Noninterest expense to average assets | 4.1091% | 465 |
| Loan and lease loss provision to assets | 0.1542% | 1,463 |
| Net operating income to assets | -0.4920% | 5,528 |
| Return on assets (ROA) | -0.4703% | 5,524 |
| Pretax return on assets | 0.0520% | 5,406 |
| Return on Equity (ROE) | -3.8713% | 5,518 |
| Retained earnings to average equity (ytd only) | -3.8713% | 5,391 |
| Net charge-offs to loans | 0.3727% | 679 |
| Credit loss provision to net charge-offs | 78.7037% | 2,960 |
| Earnings coverage of net charge-offs (x) | 0.8796% | 3,952 |
| Efficiency ratio | 95.9757% | 251 |
| Assets per employee ($millions) | 2.8690% | 5,281 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4585% | 5,439 |
| Loan loss allowance to noncurrent loans | 62.3881% | 4,232 |
| Noncurrent assets plus other real estate owned to assets | 0.4128% | 3,211 |
| Noncurrent loans to loans | 0.7349% | 2,371 |
| Net loans and leases to total assets | 55.4910% | 4,231 |
| Net loans and leases to deposits | 65.0250% | 4,258 |
| Net loans and leases to core deposits | 65.2889% | 4,457 |
| Total domestic deposits to total assets | 85.3379% | 2,711 |
| Equity capital to assets | 11.8186% | 1,971 |
| Core capital (leverage) ratio | 11.4353% | 1,988 |
| Tier 1 risk-based capital ratio | 18.9240% | 1,515 |
| Total risk-based capital ratio | 19.3397% | 1,726 |
| Memoranda: | ||
| Average total assets | $165,413,200 | 3,292 |
| Average earning assets | $145,910,600 | 3,371 |
| Average equity | $20,096,800 | 3,131 |
| Average total loans | $86,943,800 | 3,587 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0945% | 3,005 |
| Cost of funding earning assets | 0.1975% | 4,998 |
| Net interest margin | 3.8969% | 2,051 |
| Noninterest income to average assets | 0.7684% | 1,708 |
| Noninterest expense to average assets | 4.0815% | 475 |
| Loan and lease loss provision to assets | 0.1206% | 1,798 |
| Net operating income to assets | -0.0016% | 5,513 |
| Return on assets (ROA) | 0.1165% | 5,440 |
| Pretax return on assets | 0.1093% | 5,454 |
| Return on Equity (ROE) | 0.9529% | 5,438 |
| Retained earnings to average equity (ytd only) | 0.9529% | 4,991 |
| Net charge-offs to loans | 0.3089% | 682 |
| Credit loss provision to net charge-offs | 75.3769% | 2,641 |
| Earnings coverage of net charge-offs (x) | 0.6985% | 3,642 |
| Efficiency ratio | 97.3356% | 216 |
| Assets per employee ($millions) | 3.1304% | 5,148 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4997% | 5,467 |
| Loan loss allowance to noncurrent loans | 53.6108% | 4,472 |
| Noncurrent assets plus other real estate owned to assets | 0.4863% | 3,110 |
| Noncurrent loans to loans | 0.9320% | 2,058 |
| Net loans and leases to total assets | 51.5981% | 4,603 |
| Net loans and leases to deposits | 60.7100% | 4,596 |
| Net loans and leases to core deposits | 60.9488% | 4,770 |
| Total domestic deposits to total assets | 84.9912% | 2,717 |
| Equity capital to assets | 12.1556% | 1,863 |
| Core capital (leverage) ratio | 11.6214% | 1,933 |
| Tier 1 risk-based capital ratio | 19.1149% | 1,552 |
| Total risk-based capital ratio | 19.5503% | 1,738 |
| Memoranda: | ||
| Average total assets | $165,883,750 | 3,314 |
| Average earning assets | $145,787,000 | 3,402 |
| Average equity | $20,289,250 | 3,131 |
| Average total loans | $85,889,000 | 3,639 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1305% | 2,732 |
| Cost of funding earning assets | 0.2003% | 4,977 |
| Net interest margin | 3.9302% | 1,839 |
| Noninterest income to average assets | 0.7559% | 1,744 |
| Noninterest expense to average assets | 4.0781% | 484 |
| Loan and lease loss provision to assets | 0.0728% | 2,515 |
| Net operating income to assets | 0.0511% | 5,524 |
| Return on assets (ROA) | 0.1941% | 5,411 |
| Pretax return on assets | 0.2196% | 5,413 |
| Return on Equity (ROE) | 1.5839% | 5,399 |
| Retained earnings to average equity (ytd only) | 1.5839% | 4,619 |
| Net charge-offs to loans | 0.1501% | 1,252 |
| Credit loss provision to net charge-offs | 93.7500% | 2,102 |
| Earnings coverage of net charge-offs (x) | 1.6719% | 3,260 |
| Efficiency ratio | 96.9146% | 235 |
| Assets per employee ($millions) | 2.9161% | 5,341 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5643% | 5,434 |
| Loan loss allowance to noncurrent loans | 36.6464% | 4,845 |
| Noncurrent assets plus other real estate owned to assets | 0.7959% | 2,216 |
| Noncurrent loans to loans | 1.5399% | 1,210 |
| Net loans and leases to total assets | 51.2026% | 4,632 |
| Net loans and leases to deposits | 60.3976% | 4,598 |
| Net loans and leases to core deposits | 60.7697% | 4,782 |
| Total domestic deposits to total assets | 84.7760% | 2,898 |
| Equity capital to assets | 12.3320% | 1,711 |
| Core capital (leverage) ratio | 11.7013% | 1,828 |
| Tier 1 risk-based capital ratio | 19.6801% | 1,437 |
| Total risk-based capital ratio | 20.1738% | 1,566 |
| Memoranda: | ||
| Average total assets | $164,831,330 | 3,342 |
| Average earning assets | $144,776,000 | 3,432 |
| Average equity | $20,203,000 | 3,139 |
| Average total loans | $85,298,670 | 3,674 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0920% | 2,683 |
| Cost of funding earning assets | 0.1992% | 4,983 |
| Net interest margin | 3.8928% | 1,808 |
| Noninterest income to average assets | 0.7628% | 1,695 |
| Noninterest expense to average assets | 4.1550% | 445 |
| Loan and lease loss provision to assets | 0.0731% | 2,343 |
| Net operating income to assets | -0.0171% | 5,612 |
| Return on assets (ROA) | 0.1194% | 5,497 |
| Pretax return on assets | 0.0999% | 5,516 |
| Return on Equity (ROE) | 0.9773% | 5,500 |
| Retained earnings to average equity (ytd only) | 0.9773% | 4,667 |
| Net charge-offs to loans | 0.2537% | 712 |
| Credit loss provision to net charge-offs | 55.5556% | 1,939 |
| Earnings coverage of net charge-offs (x) | 0.2778% | 2,831 |
| Efficiency ratio | 99.1279% | 236 |
| Assets per employee ($millions) | 2.7608% | 5,506 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5491% | 5,542 |
| Loan loss allowance to noncurrent loans | 40.4720% | 4,849 |
| Noncurrent assets plus other real estate owned to assets | 0.6937% | 2,556 |
| Noncurrent loans to loans | 1.3568% | 1,485 |
| Net loans and leases to total assets | 50.6239% | 4,622 |
| Net loans and leases to deposits | 60.6102% | 4,524 |
| Net loans and leases to core deposits | 60.8574% | 4,731 |
| Total domestic deposits to total assets | 83.5238% | 3,646 |
| Equity capital to assets | 12.1537% | 1,735 |
| Core capital (leverage) ratio | 12.0172% | 1,617 |
| Tier 1 risk-based capital ratio | 19.5089% | 1,491 |
| Total risk-based capital ratio | 19.9804% | 1,639 |
| Memoranda: | ||
| Average total assets | $164,138,000 | 3,383 |
| Average earning assets | $144,575,500 | 3,465 |
| Average equity | $20,055,500 | 3,165 |
| Average total loans | $85,152,500 | 3,706 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9937% | 3,211 |
| Cost of funding earning assets | 0.2294% | 4,744 |
| Net interest margin | 3.7642% | 2,453 |
| Noninterest income to average assets | 0.6599% | 2,371 |
| Noninterest expense to average assets | 3.9637% | 635 |
| Loan and lease loss provision to assets | 0.2348% | 918 |
| Net operating income to assets | -0.1319% | 5,695 |
| Return on assets (ROA) | 0.2631% | 5,362 |
| Pretax return on assets | 0.2252% | 5,469 |
| Return on Equity (ROE) | 2.1000% | 5,383 |
| Retained earnings to average equity (ytd only) | 2.1000% | 4,342 |
| Net charge-offs to loans | 0.9439% | 197 |
| Credit loss provision to net charge-offs | 48.5679% | 3,398 |
| Earnings coverage of net charge-offs (x) | 0.1345% | 4,128 |
| Efficiency ratio | 98.3859% | 243 |
| Assets per employee ($millions) | 2.9569% | 5,387 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5664% | 5,582 |
| Loan loss allowance to noncurrent loans | 42.9832% | 4,825 |
| Noncurrent assets plus other real estate owned to assets | 0.6997% | 2,622 |
| Noncurrent loans to loans | 1.3177% | 1,561 |
| Net loans and leases to total assets | 52.5724% | 4,563 |
| Net loans and leases to deposits | 63.0050% | 4,473 |
| Net loans and leases to core deposits | 63.2665% | 4,673 |
| Total domestic deposits to total assets | 83.4417% | 3,618 |
| Equity capital to assets | 12.2849% | 1,641 |
| Core capital (leverage) ratio | 11.7077% | 1,786 |
| Tier 1 risk-based capital ratio | 19.8616% | 1,404 |
| Total risk-based capital ratio | 20.3698% | 1,531 |
| Memoranda: | ||
| Average total assets | $166,081,800 | 3,330 |
| Average earning assets | $148,635,400 | 3,390 |
| Average equity | $20,809,400 | 3,083 |
| Average total loans | $85,069,800 | 3,684 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9786% | 3,301 |
| Cost of funding earning assets | 0.2385% | 4,720 |
| Net interest margin | 3.7401% | 2,548 |
| Noninterest income to average assets | 0.6581% | 2,371 |
| Noninterest expense to average assets | 3.9134% | 662 |
| Loan and lease loss provision to assets | 0.2156% | 970 |
| Net operating income to assets | -0.1206% | 5,766 |
| Return on assets (ROA) | 0.4017% | 5,108 |
| Pretax return on assets | 0.3953% | 5,314 |
| Return on Equity (ROE) | 3.1910% | 5,171 |
| Retained earnings to average equity (ytd only) | 3.1910% | 3,998 |
| Net charge-offs to loans | 0.9445% | 185 |
| Credit loss provision to net charge-offs | 44.9251% | 3,097 |
| Earnings coverage of net charge-offs (x) | 0.1847% | 3,817 |
| Efficiency ratio | 97.7849% | 268 |
| Assets per employee ($millions) | 2.7923% | 5,555 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6751% | 5,475 |
| Loan loss allowance to noncurrent loans | 39.4865% | 4,982 |
| Noncurrent assets plus other real estate owned to assets | 0.8631% | 2,394 |
| Noncurrent loans to loans | 1.7097% | 1,227 |
| Net loans and leases to total assets | 49.9678% | 4,822 |
| Net loans and leases to deposits | 60.1306% | 4,747 |
| Net loans and leases to core deposits | 60.3734% | 4,915 |
| Total domestic deposits to total assets | 83.0988% | 3,547 |
| Equity capital to assets | 12.7840% | 1,601 |
| Core capital (leverage) ratio | 11.8242% | 1,798 |
| Tier 1 risk-based capital ratio | 20.7640% | 1,309 |
| Total risk-based capital ratio | 21.3817% | 1,383 |
| Memoranda: | ||
| Average total assets | $166,944,500 | 3,335 |
| Average earning assets | $149,261,250 | 3,397 |
| Average equity | $21,017,000 | 3,093 |
| Average total loans | $84,840,750 | 3,711 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0064% | 3,221 |
| Cost of funding earning assets | 0.2564% | 4,591 |
| Net interest margin | 3.7500% | 2,515 |
| Noninterest income to average assets | 0.5829% | 2,709 |
| Noninterest expense to average assets | 3.8741% | 695 |
| Loan and lease loss provision to assets | 0.2159% | 971 |
| Net operating income to assets | -0.0300% | 5,783 |
| Return on assets (ROA) | 0.3286% | 5,326 |
| Pretax return on assets | 0.2195% | 5,596 |
| Return on Equity (ROE) | 2.6241% | 5,358 |
| Retained earnings to average equity (ytd only) | 2.6241% | 4,227 |
| Net charge-offs to loans | 1.4254% | 106 |
| Credit loss provision to net charge-offs | 29.7030% | 2,861 |
| Earnings coverage of net charge-offs (x) | 0.1056% | 3,550 |
| Efficiency ratio | 98.0571% | 284 |
| Assets per employee ($millions) | 2.9092% | 5,524 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5539% | 5,744 |
| Loan loss allowance to noncurrent loans | 37.8594% | 5,105 |
| Noncurrent assets plus other real estate owned to assets | 0.7716% | 2,671 |
| Noncurrent loans to loans | 1.4629% | 1,507 |
| Net loans and leases to total assets | 52.2401% | 4,652 |
| Net loans and leases to deposits | 63.1388% | 4,557 |
| Net loans and leases to core deposits | 63.6250% | 4,771 |
| Total domestic deposits to total assets | 82.7384% | 3,746 |
| Equity capital to assets | 13.2730% | 1,342 |
| Core capital (leverage) ratio | 11.4785% | 2,010 |
| Tier 1 risk-based capital ratio | 21.2189% | 1,237 |
| Total risk-based capital ratio | 21.7504% | 1,327 |
| Memoranda: | ||
| Average total assets | $166,746,670 | 3,358 |
| Average earning assets | $149,761,000 | 3,404 |
| Average equity | $20,883,330 | 3,109 |
| Average total loans | $85,026,330 | 3,722 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0168% | 3,160 |
| Cost of funding earning assets | 0.2690% | 4,514 |
| Net interest margin | 3.7478% | 2,489 |
| Noninterest income to average assets | 0.6451% | 2,291 |
| Noninterest expense to average assets | 3.8064% | 772 |
| Loan and lease loss provision to assets | 0.2134% | 908 |
| Net operating income to assets | 0.5229% | 4,535 |
| Return on assets (ROA) | 0.5123% | 4,684 |
| Pretax return on assets | -0.0213% | 5,825 |
| Return on Equity (ROE) | 4.2120% | 4,813 |
| Retained earnings to average equity (ytd only) | 4.2120% | 3,369 |
| Net charge-offs to loans | 2.8130% | 42 |
| Credit loss provision to net charge-offs | 15.1007% | 2,325 |
| Earnings coverage of net charge-offs (x) | 0.1477% | 2,960 |
| Efficiency ratio | 94.8021% | 423 |
| Assets per employee ($millions) | 2.9113% | 5,591 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4662% | 5,898 |
| Loan loss allowance to noncurrent loans | 30.8536% | 5,273 |
| Noncurrent assets plus other real estate owned to assets | 0.7592% | 2,804 |
| Noncurrent loans to loans | 1.5111% | 1,547 |
| Net loans and leases to total assets | 49.8146% | 4,822 |
| Net loans and leases to deposits | 59.4315% | 4,758 |
| Net loans and leases to core deposits | 59.9842% | 4,941 |
| Total domestic deposits to total assets | 83.8186% | 3,591 |
| Equity capital to assets | 12.3556% | 1,778 |
| Core capital (leverage) ratio | 11.2363% | 2,197 |
| Tier 1 risk-based capital ratio | 21.1266% | 1,302 |
| Total risk-based capital ratio | 21.5689% | 1,414 |
| Memoranda: | ||
| Average total assets | $168,661,500 | 3,347 |
| Average earning assets | $151,663,000 | 3,402 |
| Average equity | $20,513,000 | 3,149 |
| Average total loans | $84,748,500 | 3,732 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2434% | 2,408 |
| Cost of funding earning assets | 0.3184% | 4,056 |
| Net interest margin | 3.9250% | 1,948 |
| Noninterest income to average assets | 0.6221% | 2,607 |
| Noninterest expense to average assets | 3.9029% | 757 |
| Loan and lease loss provision to assets | 0.2166% | 957 |
| Net operating income to assets | 0.1486% | 5,679 |
| Return on assets (ROA) | 0.3995% | 5,131 |
| Pretax return on assets | 0.2322% | 5,642 |
| Return on Equity (ROE) | 3.2870% | 5,198 |
| Retained earnings to average equity (ytd only) | 3.2870% | 3,707 |
| Net charge-offs to loans | 0.3608% | 813 |
| Credit loss provision to net charge-offs | 115.0160% | 2,219 |
| Earnings coverage of net charge-offs (x) | 1.0511% | 4,146 |
| Efficiency ratio | 95.1731% | 435 |
| Assets per employee ($millions) | 3.0631% | 5,465 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0590% | 4,264 |
| Loan loss allowance to noncurrent loans | 48.7541% | 4,909 |
| Noncurrent assets plus other real estate owned to assets | 1.0987% | 2,000 |
| Noncurrent loans to loans | 2.1720% | 929 |
| Net loans and leases to total assets | 49.9136% | 4,876 |
| Net loans and leases to deposits | 59.3128% | 4,826 |
| Net loans and leases to core deposits | 59.8618% | 4,988 |
| Total domestic deposits to total assets | 84.1532% | 3,423 |
| Equity capital to assets | 11.9684% | 1,975 |
| Core capital (leverage) ratio | 11.0233% | 2,381 |
| Tier 1 risk-based capital ratio | 21.0320% | 1,292 |
| Total risk-based capital ratio | 22.0421% | 1,309 |
| Memoranda: | ||
| Average total assets | $166,208,400 | 3,362 |
| Average earning assets | $147,311,800 | 3,441 |
| Average equity | $20,200,600 | 3,155 |
| Average total loans | $86,746,000 | 3,657 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2667% | 2,342 |
| Cost of funding earning assets | 0.3251% | 4,047 |
| Net interest margin | 3.9416% | 1,890 |
| Noninterest income to average assets | 0.6230% | 2,622 |
| Noninterest expense to average assets | 3.8741% | 765 |
| Loan and lease loss provision to assets | 0.2173% | 879 |
| Net operating income to assets | 0.2165% | 5,648 |
| Return on assets (ROA) | 0.4556% | 5,045 |
| Pretax return on assets | 0.2544% | 5,715 |
| Return on Equity (ROE) | 3.7340% | 5,133 |
| Retained earnings to average equity (ytd only) | 3.7340% | 3,818 |
| Net charge-offs to loans | 0.3670% | 709 |
| Credit loss provision to net charge-offs | 112.5000% | 2,080 |
| Earnings coverage of net charge-offs (x) | 1.2042% | 3,868 |
| Efficiency ratio | 94.3356% | 472 |
| Assets per employee ($millions) | 3.0799% | 5,455 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0252% | 4,611 |
| Loan loss allowance to noncurrent loans | 48.2250% | 5,001 |
| Noncurrent assets plus other real estate owned to assets | 1.0645% | 2,234 |
| Noncurrent loans to loans | 2.1260% | 1,054 |
| Net loans and leases to total assets | 49.4237% | 4,976 |
| Net loans and leases to deposits | 58.5396% | 4,951 |
| Net loans and leases to core deposits | 59.0657% | 5,126 |
| Total domestic deposits to total assets | 84.4278% | 3,252 |
| Equity capital to assets | 11.8279% | 2,238 |
| Core capital (leverage) ratio | 10.9560% | 2,537 |
| Tier 1 risk-based capital ratio | 20.8707% | 1,363 |
| Total risk-based capital ratio | 21.8543% | 1,385 |
| Memoranda: | ||
| Average total assets | $165,643,250 | 3,397 |
| Average earning assets | $146,401,000 | 3,484 |
| Average equity | $20,210,000 | 3,183 |
| Average total loans | $87,185,250 | 3,691 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3185% | 2,112 |
| Cost of funding earning assets | 0.3385% | 3,944 |
| Net interest margin | 3.9800% | 1,700 |
| Noninterest income to average assets | 0.6268% | 2,593 |
| Noninterest expense to average assets | 3.9127% | 753 |
| Loan and lease loss provision to assets | 0.2938% | 534 |
| Net operating income to assets | 0.2424% | 5,599 |
| Return on assets (ROA) | 0.4481% | 5,078 |
| Pretax return on assets | 0.1236% | 5,911 |
| Return on Equity (ROE) | 3.6334% | 5,165 |
| Retained earnings to average equity (ytd only) | 3.6334% | 3,714 |
| Net charge-offs to loans | 0.5209% | 476 |
| Credit loss provision to net charge-offs | 105.2632% | 1,978 |
| Earnings coverage of net charge-offs (x) | 0.7588% | 3,627 |
| Efficiency ratio | 94.8649% | 484 |
| Assets per employee ($millions) | 3.0166% | 5,579 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0006% | 4,871 |
| Loan loss allowance to noncurrent loans | 53.0349% | 4,903 |
| Noncurrent assets plus other real estate owned to assets | 1.0318% | 2,442 |
| Noncurrent loans to loans | 1.8867% | 1,320 |
| Net loans and leases to total assets | 50.6618% | 4,875 |
| Net loans and leases to deposits | 60.0354% | 4,849 |
| Net loans and leases to core deposits | 60.9156% | 5,015 |
| Total domestic deposits to total assets | 84.3866% | 3,407 |
| Equity capital to assets | 11.7976% | 2,164 |
| Core capital (leverage) ratio | 11.1283% | 2,306 |
| Tier 1 risk-based capital ratio | 20.7992% | 1,409 |
| Total risk-based capital ratio | 21.7713% | 1,424 |
| Memoranda: | ||
| Average total assets | $163,366,330 | 3,443 |
| Average earning assets | $143,568,330 | 3,545 |
| Average equity | $20,146,670 | 3,208 |
| Average total loans | $87,538,330 | 3,699 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4237% | 1,680 |
| Cost of funding earning assets | 0.3355% | 4,032 |
| Net interest margin | 4.0882% | 1,311 |
| Noninterest income to average assets | 0.6078% | 2,606 |
| Noninterest expense to average assets | 3.9207% | 749 |
| Loan and lease loss provision to assets | 0.2989% | 489 |
| Net operating income to assets | 0.2242% | 5,621 |
| Return on assets (ROA) | 0.7024% | 3,911 |
| Pretax return on assets | 0.4484% | 5,324 |
| Return on Equity (ROE) | 5.5690% | 4,248 |
| Retained earnings to average equity (ytd only) | 5.5690% | 2,740 |
| Net charge-offs to loans | 0.2997% | 793 |
| Credit loss provision to net charge-offs | 181.8182% | 1,115 |
| Earnings coverage of net charge-offs (x) | 1.6364% | 2,890 |
| Efficiency ratio | 93.5791% | 618 |
| Assets per employee ($millions) | 2.8636% | 5,816 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0435% | 4,799 |
| Loan loss allowance to noncurrent loans | 40.3649% | 5,293 |
| Noncurrent assets plus other real estate owned to assets | 1.5094% | 1,732 |
| Noncurrent loans to loans | 2.5852% | 925 |
| Net loans and leases to total assets | 51.7855% | 4,678 |
| Net loans and leases to deposits | 61.7608% | 4,597 |
| Net loans and leases to core deposits | 62.7270% | 4,800 |
| Total domestic deposits to total assets | 83.8484% | 3,870 |
| Equity capital to assets | 12.2591% | 1,849 |
| Core capital (leverage) ratio | 10.6566% | 2,786 |
| Tier 1 risk-based capital ratio | 19.2375% | 1,802 |
| Total risk-based capital ratio | 20.2606% | 1,827 |
| Memoranda: | ||
| Average total assets | $160,583,500 | 3,498 |
| Average earning assets | $140,697,000 | 3,613 |
| Average equity | $20,255,000 | 3,208 |
| Average total loans | $88,083,000 | 3,696 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6061% | 1,540 |
| Cost of funding earning assets | 0.3689% | 4,051 |
| Net interest margin | 4.2372% | 1,194 |
| Noninterest income to average assets | 0.7219% | 2,205 |
| Noninterest expense to average assets | 4.0270% | 730 |
| Loan and lease loss provision to assets | 0.2258% | 1,083 |
| Net operating income to assets | 0.2596% | 5,628 |
| Return on assets (ROA) | 0.5902% | 4,502 |
| Pretax return on assets | 0.5456% | 5,113 |
| Return on Equity (ROE) | 4.8375% | 4,752 |
| Retained earnings to average equity (ytd only) | 4.8375% | 2,731 |
| Net charge-offs to loans | 0.5052% | 807 |
| Credit loss provision to net charge-offs | 77.7538% | 2,910 |
| Earnings coverage of net charge-offs (x) | 1.5184% | 4,401 |
| Efficiency ratio | 90.1319% | 835 |
| Assets per employee ($millions) | 2.6284% | 6,082 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9558% | 5,270 |
| Loan loss allowance to noncurrent loans | 33.9300% | 5,545 |
| Noncurrent assets plus other real estate owned to assets | 1.6243% | 1,661 |
| Noncurrent loans to loans | 2.8168% | 831 |
| Net loans and leases to total assets | 57.0010% | 4,197 |
| Net loans and leases to deposits | 66.3908% | 4,283 |
| Net loans and leases to core deposits | 67.4748% | 4,558 |
| Total domestic deposits to total assets | 85.8568% | 2,918 |
| Equity capital to assets | 12.9928% | 1,376 |
| Core capital (leverage) ratio | 12.3483% | 1,421 |
| Tier 1 risk-based capital ratio | 21.8982% | 1,237 |
| Total risk-based capital ratio | 22.8520% | 1,267 |
| Memoranda: | ||
| Average total assets | $159,447,200 | 3,497 |
| Average earning assets | $140,965,200 | 3,589 |
| Average equity | $19,452,200 | 3,222 |
| Average total loans | $91,644,000 | 3,598 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6130% | 1,526 |
| Cost of funding earning assets | 0.3785% | 4,037 |
| Net interest margin | 4.2346% | 1,192 |
| Noninterest income to average assets | 0.7134% | 2,267 |
| Noninterest expense to average assets | 3.9433% | 802 |
| Loan and lease loss provision to assets | 0.0997% | 2,377 |
| Net operating income to assets | 0.5207% | 4,798 |
| Return on assets (ROA) | 0.5780% | 4,629 |
| Pretax return on assets | 0.4817% | 5,374 |
| Return on Equity (ROE) | 4.8137% | 4,812 |
| Retained earnings to average equity (ytd only) | 4.8137% | 3,206 |
| Net charge-offs to loans | 0.4134% | 958 |
| Credit loss provision to net charge-offs | 41.9580% | 3,259 |
| Earnings coverage of net charge-offs (x) | 2.2063% | 3,965 |
| Efficiency ratio | 88.2692% | 979 |
| Assets per employee ($millions) | 2.7703% | 5,999 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8629% | 5,707 |
| Loan loss allowance to noncurrent loans | 33.4888% | 5,632 |
| Noncurrent assets plus other real estate owned to assets | 1.4782% | 2,086 |
| Noncurrent loans to loans | 2.5767% | 1,120 |
| Net loans and leases to total assets | 55.5287% | 4,391 |
| Net loans and leases to deposits | 64.1432% | 4,522 |
| Net loans and leases to core deposits | 65.1235% | 4,788 |
| Total domestic deposits to total assets | 86.5700% | 2,544 |
| Equity capital to assets | 12.3012% | 1,827 |
| Core capital (leverage) ratio | 11.9983% | 1,701 |
| Tier 1 risk-based capital ratio | 20.4885% | 1,555 |
| Total risk-based capital ratio | 21.3246% | 1,624 |
| Memoranda: | ||
| Average total assets | $160,539,500 | 3,513 |
| Average earning assets | $142,317,750 | 3,596 |
| Average equity | $19,278,000 | 3,257 |
| Average total loans | $92,242,750 | 3,617 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6531% | 1,391 |
| Cost of funding earning assets | 0.3938% | 3,936 |
| Net interest margin | 4.2593% | 1,116 |
| Noninterest income to average assets | 0.7194% | 2,187 |
| Noninterest expense to average assets | 3.9205% | 836 |
| Loan and lease loss provision to assets | 0.1504% | 1,638 |
| Net operating income to assets | 0.5953% | 4,375 |
| Return on assets (ROA) | 0.5402% | 4,743 |
| Pretax return on assets | 0.3622% | 5,654 |
| Return on Equity (ROE) | 4.5364% | 4,901 |
| Retained earnings to average equity (ytd only) | 4.5364% | 3,291 |
| Net charge-offs to loans | 0.2812% | 1,412 |
| Credit loss provision to net charge-offs | 92.3077% | 2,140 |
| Earnings coverage of net charge-offs (x) | 3.4846% | 3,294 |
| Efficiency ratio | 87.3499% | 1,150 |
| Assets per employee ($millions) | 2.7373% | 6,093 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0324% | 5,198 |
| Loan loss allowance to noncurrent loans | 52.0925% | 5,098 |
| Noncurrent assets plus other real estate owned to assets | 1.2452% | 2,615 |
| Noncurrent loans to loans | 1.9818% | 1,702 |
| Net loans and leases to total assets | 56.1531% | 4,265 |
| Net loans and leases to deposits | 64.7908% | 4,404 |
| Net loans and leases to core deposits | 65.8378% | 4,658 |
| Total domestic deposits to total assets | 86.6684% | 2,656 |
| Equity capital to assets | 12.2153% | 1,847 |
| Core capital (leverage) ratio | 11.9750% | 1,668 |
| Tier 1 risk-based capital ratio | 20.8481% | 1,476 |
| Total risk-based capital ratio | 21.8811% | 1,505 |
| Memoranda: | ||
| Average total assets | $159,570,330 | 3,541 |
| Average earning assets | $141,197,330 | 3,629 |
| Average equity | $19,002,000 | 3,288 |
| Average total loans | $92,473,670 | 3,625 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6838% | 1,299 |
| Cost of funding earning assets | 0.4064% | 3,885 |
| Net interest margin | 4.2774% | 1,046 |
| Noninterest income to average assets | 0.6961% | 2,192 |
| Noninterest expense to average assets | 3.9192% | 835 |
| Loan and lease loss provision to assets | 0.1513% | 1,603 |
| Net operating income to assets | 0.7415% | 3,473 |
| Return on assets (ROA) | 0.6658% | 3,955 |
| Pretax return on assets | 0.3455% | 5,605 |
| Return on Equity (ROE) | 5.6655% | 4,198 |
| Retained earnings to average equity (ytd only) | 5.6655% | 2,710 |
| Net charge-offs to loans | 0.0560% | 2,601 |
| Credit loss provision to net charge-offs | 461.5385% | 580 |
| Earnings coverage of net charge-offs (x) | 17.4615% | 1,458 |
| Efficiency ratio | 87.2544% | 1,312 |
| Assets per employee ($millions) | 2.7474% | 6,156 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0867% | 5,169 |
| Loan loss allowance to noncurrent loans | 43.3824% | 5,467 |
| Noncurrent assets plus other real estate owned to assets | 1.5739% | 2,245 |
| Noncurrent loans to loans | 2.5050% | 1,381 |
| Net loans and leases to total assets | 57.2899% | 3,952 |
| Net loans and leases to deposits | 65.9500% | 4,103 |
| Net loans and leases to core deposits | 66.9591% | 4,404 |
| Total domestic deposits to total assets | 86.8686% | 2,893 |
| Equity capital to assets | 11.9660% | 1,891 |
| Core capital (leverage) ratio | 11.8712% | 1,720 |
| Tier 1 risk-based capital ratio | 20.3961% | 1,618 |
| Total risk-based capital ratio | 21.4887% | 1,627 |
| Memoranda: | ||
| Average total assets | $158,604,000 | 3,580 |
| Average earning assets | $140,739,500 | 3,656 |
| Average equity | $18,639,000 | 3,332 |
| Average total loans | $92,893,000 | 3,636 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6921% | 1,594 |
| Cost of funding earning assets | 0.4733% | 3,880 |
| Net interest margin | 4.2188% | 1,301 |
| Noninterest income to average assets | 0.8083% | 2,045 |
| Noninterest expense to average assets | 4.2313% | 677 |
| Loan and lease loss provision to assets | 0.1359% | 2,608 |
| Net operating income to assets | 0.2226% | 5,769 |
| Return on assets (ROA) | 0.5210% | 4,773 |
| Pretax return on assets | 0.4660% | 5,308 |
| Return on Equity (ROE) | 4.4200% | 4,927 |
| Retained earnings to average equity (ytd only) | 4.4200% | 3,026 |
| Net charge-offs to loans | 0.1855% | 2,983 |
| Credit loss provision to net charge-offs | 116.6667% | 2,064 |
| Earnings coverage of net charge-offs (x) | 2.6056% | 4,129 |
| Efficiency ratio | 93.3067% | 785 |
| Assets per employee ($millions) | 2.5461% | 6,366 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0226% | 5,449 |
| Loan loss allowance to noncurrent loans | 47.8478% | 5,338 |
| Noncurrent assets plus other real estate owned to assets | 1.3981% | 2,652 |
| Noncurrent loans to loans | 2.1371% | 1,838 |
| Net loans and leases to total assets | 58.6195% | 3,932 |
| Net loans and leases to deposits | 67.1824% | 4,164 |
| Net loans and leases to core deposits | 68.5968% | 4,436 |
| Total domestic deposits to total assets | 87.2543% | 2,601 |
| Equity capital to assets | 11.5358% | 2,138 |
| Core capital (leverage) ratio | 11.5146% | 1,950 |
| Tier 1 risk-based capital ratio | 19.7300% | 1,724 |
| Total risk-based capital ratio | 20.7633% | 1,743 |
| Memoranda: | ||
| Average total assets | $154,516,000 | 3,633 |
| Average earning assets | $136,484,800 | 3,717 |
| Average equity | $18,212,600 | 3,387 |
| Average total loans | $97,038,200 | 3,531 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7104% | 1,569 |
| Cost of funding earning assets | 0.4792% | 3,972 |
| Net interest margin | 4.2312% | 1,242 |
| Noninterest income to average assets | 0.7236% | 2,492 |
| Noninterest expense to average assets | 4.2060% | 682 |
| Loan and lease loss provision to assets | 0.1041% | 3,026 |
| Net operating income to assets | 0.1909% | 5,935 |
| Return on assets (ROA) | 0.4017% | 5,375 |
| Pretax return on assets | 0.3548% | 5,734 |
| Return on Equity (ROE) | 3.3894% | 5,475 |
| Retained earnings to average equity (ytd only) | 3.3894% | 4,276 |
| Net charge-offs to loans | 0.1212% | 3,337 |
| Credit loss provision to net charge-offs | 134.8315% | 1,749 |
| Earnings coverage of net charge-offs (x) | 3.2136% | 3,768 |
| Efficiency ratio | 94.4293% | 711 |
| Assets per employee ($millions) | 2.5941% | 6,387 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0059% | 5,682 |
| Loan loss allowance to noncurrent loans | 48.4802% | 5,289 |
| Noncurrent assets plus other real estate owned to assets | 1.3088% | 3,035 |
| Noncurrent loans to loans | 2.0748% | 2,161 |
| Net loans and leases to total assets | 58.5580% | 3,914 |
| Net loans and leases to deposits | 66.7132% | 4,216 |
| Net loans and leases to core deposits | 68.0798% | 4,518 |
| Total domestic deposits to total assets | 87.7758% | 2,262 |
| Equity capital to assets | 11.2443% | 2,520 |
| Core capital (leverage) ratio | 12.0567% | 1,638 |
| Tier 1 risk-based capital ratio | 20.1924% | 1,687 |
| Total risk-based capital ratio | 21.2471% | 1,714 |
| Memoranda: | ||
| Average total assets | $153,680,750 | 3,679 |
| Average earning assets | $135,499,500 | 3,768 |
| Average equity | $18,213,250 | 3,419 |
| Average total loans | $97,925,000 | 3,526 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6536% | 1,693 |
| Cost of funding earning assets | 0.4952% | 3,943 |
| Net interest margin | 4.1584% | 1,386 |
| Noninterest income to average assets | 0.7310% | 2,499 |
| Noninterest expense to average assets | 4.2486% | 657 |
| Loan and lease loss provision to assets | 0.1586% | 2,342 |
| Net operating income to assets | -0.0145% | 6,315 |
| Return on assets (ROA) | 0.2644% | 5,864 |
| Pretax return on assets | 0.2657% | 5,962 |
| Return on Equity (ROE) | 2.1911% | 5,886 |
| Retained earnings to average equity (ytd only) | 2.1911% | 4,880 |
| Net charge-offs to loans | 0.0789% | 3,585 |
| Credit loss provision to net charge-offs | 307.6923% | 836 |
| Earnings coverage of net charge-offs (x) | 2.8205% | 3,576 |
| Efficiency ratio | 96.6907% | 631 |
| Assets per employee ($millions) | 2.4358% | 6,548 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0479% | 5,640 |
| Loan loss allowance to noncurrent loans | 51.2208% | 5,150 |
| Noncurrent assets plus other real estate owned to assets | 1.4131% | 2,985 |
| Noncurrent loans to loans | 2.0459% | 2,341 |
| Net loans and leases to total assets | 62.9645% | 3,107 |
| Net loans and leases to deposits | 72.2396% | 3,417 |
| Net loans and leases to core deposits | 73.8200% | 3,845 |
| Total domestic deposits to total assets | 87.1606% | 2,728 |
| Equity capital to assets | 11.8448% | 2,009 |
| Core capital (leverage) ratio | 11.9522% | 1,638 |
| Tier 1 risk-based capital ratio | 20.0814% | 1,701 |
| Total risk-based capital ratio | 21.2012% | 1,698 |
| Memoranda: | ||
| Average total assets | $151,295,330 | 3,741 |
| Average earning assets | $133,273,670 | 3,837 |
| Average equity | $18,256,000 | 3,432 |
| Average total loans | $98,853,330 | 3,523 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5954% | 1,835 |
| Cost of funding earning assets | 0.4970% | 4,122 |
| Net interest margin | 4.0984% | 1,469 |
| Noninterest income to average assets | 0.7132% | 2,524 |
| Noninterest expense to average assets | 4.1787% | 734 |
| Loan and lease loss provision to assets | 0.3170% | 1,069 |
| Net operating income to assets | -0.1635% | 6,491 |
| Return on assets (ROA) | 0.3883% | 5,319 |
| Pretax return on assets | 0.3909% | 5,591 |
| Return on Equity (ROE) | 3.1887% | 5,496 |
| Retained earnings to average equity (ytd only) | 3.1887% | 4,343 |
| Net charge-offs to loans | 0.1317% | 2,615 |
| Credit loss provision to net charge-offs | 363.6364% | 689 |
| Earnings coverage of net charge-offs (x) | 1.7273% | 3,259 |
| Efficiency ratio | 96.5223% | 702 |
| Assets per employee ($millions) | 2.4272% | 6,640 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0235% | 5,908 |
| Loan loss allowance to noncurrent loans | 51.7629% | 5,089 |
| Noncurrent assets plus other real estate owned to assets | 1.3386% | 3,282 |
| Noncurrent loans to loans | 1.9772% | 2,640 |
| Net loans and leases to total assets | 64.0633% | 2,700 |
| Net loans and leases to deposits | 73.7068% | 2,959 |
| Net loans and leases to core deposits | 75.3034% | 3,412 |
| Total domestic deposits to total assets | 86.9163% | 3,007 |
| Equity capital to assets | 12.0687% | 1,994 |
| Core capital (leverage) ratio | 12.0163% | 1,553 |
| Tier 1 risk-based capital ratio | 19.9296% | 1,792 |
| Total risk-based capital ratio | 21.0508% | 1,794 |
| Memoranda: | ||
| Average total assets | $151,433,000 | 3,781 |
| Average earning assets | $133,612,000 | 3,866 |
| Average equity | $18,440,000 | 3,462 |
| Average total loans | $100,232,000 | 3,498 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0384% | 1,464 |
| Cost of funding earning assets | 0.6533% | 3,886 |
| Net interest margin | 4.3851% | 1,194 |
| Noninterest income to average assets | 0.6654% | 2,904 |
| Noninterest expense to average assets | 4.0780% | 891 |
| Loan and lease loss provision to assets | 0.3104% | 2,200 |
| Net operating income to assets | 0.1623% | 5,860 |
| Return on assets (ROA) | 0.3563% | 5,497 |
| Pretax return on assets | 0.3557% | 5,699 |
| Return on Equity (ROE) | 3.0790% | 5,525 |
| Retained earnings to average equity (ytd only) | 3.0790% | 4,064 |
| Net charge-offs to loans | 0.4663% | 2,368 |
| Credit loss provision to net charge-offs | 101.6949% | 2,973 |
| Earnings coverage of net charge-offs (x) | 1.5466% | 4,669 |
| Efficiency ratio | 89.6248% | 1,099 |
| Assets per employee ($millions) | 2.4992% | 6,617 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9124% | 6,239 |
| Loan loss allowance to noncurrent loans | 51.5877% | 5,051 |
| Noncurrent assets plus other real estate owned to assets | 1.2304% | 3,594 |
| Noncurrent loans to loans | 1.7687% | 2,965 |
| Net loans and leases to total assets | 67.0637% | 2,353 |
| Net loans and leases to deposits | 77.3209% | 2,608 |
| Net loans and leases to core deposits | 79.3539% | 3,099 |
| Total domestic deposits to total assets | 86.7342% | 2,970 |
| Equity capital to assets | 12.2874% | 1,865 |
| Core capital (leverage) ratio | 11.7084% | 1,728 |
| Tier 1 risk-based capital ratio | 19.5597% | 1,799 |
| Total risk-based capital ratio | 20.5739% | 1,838 |
| Memoranda: | ||
| Average total assets | $154,636,400 | 3,704 |
| Average earning assets | $136,988,000 | 3,773 |
| Average equity | $17,895,600 | 3,489 |
| Average total loans | $101,229,200 | 3,486 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0276% | 1,614 |
| Cost of funding earning assets | 0.6972% | 3,791 |
| Net interest margin | 4.3303% | 1,395 |
| Noninterest income to average assets | 0.6615% | 2,924 |
| Noninterest expense to average assets | 3.9466% | 1,005 |
| Loan and lease loss provision to assets | 0.3081% | 2,147 |
| Net operating income to assets | 0.2396% | 5,809 |
| Return on assets (ROA) | 0.2396% | 6,001 |
| Pretax return on assets | 0.2387% | 6,070 |
| Return on Equity (ROE) | 2.1016% | 5,999 |
| Retained earnings to average equity (ytd only) | 2.1016% | 5,277 |
| Net charge-offs to loans | 0.3545% | 2,684 |
| Credit loss provision to net charge-offs | 133.8290% | 2,154 |
| Earnings coverage of net charge-offs (x) | 2.3755% | 4,089 |
| Efficiency ratio | 87.8309% | 1,208 |
| Assets per employee ($millions) | 2.5556% | 6,645 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0088% | 6,044 |
| Loan loss allowance to noncurrent loans | 70.9564% | 4,181 |
| Noncurrent assets plus other real estate owned to assets | 0.9872% | 4,310 |
| Noncurrent loans to loans | 1.4217% | 3,669 |
| Net loans and leases to total assets | 63.5119% | 3,117 |
| Net loans and leases to deposits | 72.6599% | 3,504 |
| Net loans and leases to core deposits | 75.6084% | 3,775 |
| Total domestic deposits to total assets | 87.4099% | 2,415 |
| Equity capital to assets | 11.7087% | 2,525 |
| Core capital (leverage) ratio | 11.2925% | 2,145 |
| Tier 1 risk-based capital ratio | 19.3856% | 1,899 |
| Total risk-based capital ratio | 20.4978% | 1,908 |
| Memoranda: | ||
| Average total assets | $155,808,000 | 3,724 |
| Average earning assets | $137,876,500 | 3,791 |
| Average equity | $17,763,250 | 3,539 |
| Average total loans | $101,164,500 | 3,535 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0390% | 1,693 |
| Cost of funding earning assets | 0.7230% | 3,823 |
| Net interest margin | 4.3160% | 1,441 |
| Noninterest income to average assets | 0.6625% | 2,882 |
| Noninterest expense to average assets | 3.9132% | 1,058 |
| Loan and lease loss provision to assets | 0.3081% | 2,143 |
| Net operating income to assets | 0.2593% | 5,735 |
| Return on assets (ROA) | 0.2593% | 5,928 |
| Pretax return on assets | 0.2581% | 6,042 |
| Return on Equity (ROE) | 2.2955% | 5,948 |
| Retained earnings to average equity (ytd only) | 2.2955% | 5,045 |
| Net charge-offs to loans | 0.4884% | 2,122 |
| Credit loss provision to net charge-offs | 96.7742% | 2,861 |
| Earnings coverage of net charge-offs (x) | 1.7782% | 4,092 |
| Efficiency ratio | 87.3603% | 1,304 |
| Assets per employee ($millions) | 2.5767% | 6,683 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9033% | 6,442 |
| Loan loss allowance to noncurrent loans | 72.5678% | 4,094 |
| Noncurrent assets plus other real estate owned to assets | 0.9422% | 4,486 |
| Noncurrent loans to loans | 1.2448% | 4,060 |
| Net loans and leases to total assets | 63.5142% | 3,144 |
| Net loans and leases to deposits | 72.2811% | 3,571 |
| Net loans and leases to core deposits | 77.1110% | 3,642 |
| Total domestic deposits to total assets | 87.8712% | 2,230 |
| Equity capital to assets | 11.3024% | 2,784 |
| Core capital (leverage) ratio | 11.2507% | 2,086 |
| Tier 1 risk-based capital ratio | 19.0997% | 1,937 |
| Total risk-based capital ratio | 20.0923% | 1,994 |
| Memoranda: | ||
| Average total assets | $155,780,000 | 3,741 |
| Average earning assets | $137,766,330 | 3,816 |
| Average equity | $17,600,000 | 3,558 |
| Average total loans | $101,546,330 | 3,530 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0332% | 1,780 |
| Cost of funding earning assets | 0.7723% | 3,685 |
| Net interest margin | 4.2609% | 1,586 |
| Noninterest income to average assets | 0.6294% | 3,061 |
| Noninterest expense to average assets | 3.9051% | 1,058 |
| Loan and lease loss provision to assets | 0.3095% | 2,036 |
| Net operating income to assets | 0.1857% | 6,027 |
| Return on assets (ROA) | 0.1857% | 6,168 |
| Pretax return on assets | 0.1857% | 6,226 |
| Return on Equity (ROE) | 1.6441% | 6,177 |
| Retained earnings to average equity (ytd only) | 1.6441% | 5,413 |
| Net charge-offs to loans | 0.5336% | 1,751 |
| Credit loss provision to net charge-offs | 88.2353% | 2,579 |
| Earnings coverage of net charge-offs (x) | 1.4118% | 3,618 |
| Efficiency ratio | 88.7456% | 1,203 |
| Assets per employee ($millions) | 2.5917% | 6,752 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8911% | 6,556 |
| Loan loss allowance to noncurrent loans | 50.9893% | 5,010 |
| Noncurrent assets plus other real estate owned to assets | 1.2997% | 3,963 |
| Noncurrent loans to loans | 1.7477% | 3,491 |
| Net loans and leases to total assets | 64.5111% | 2,759 |
| Net loans and leases to deposits | 73.7650% | 3,148 |
| Net loans and leases to core deposits | 77.7722% | 3,358 |
| Total domestic deposits to total assets | 87.4548% | 2,687 |
| Equity capital to assets | 11.3638% | 2,567 |
| Core capital (leverage) ratio | 11.2945% | 2,035 |
| Tier 1 risk-based capital ratio | 18.7847% | 2,056 |
| Total risk-based capital ratio | 19.7591% | 2,117 |
| Memoranda: | ||
| Average total assets | $155,080,500 | 3,781 |
| Average earning assets | $137,249,500 | 3,859 |
| Average equity | $17,517,500 | 3,569 |
| Average total loans | $101,949,000 | 3,545 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3982% | 1,425 |
| Cost of funding earning assets | 0.9768% | 3,528 |
| Net interest margin | 4.4214% | 1,342 |
| Noninterest income to average assets | 0.6335% | 2,986 |
| Noninterest expense to average assets | 3.9229% | 1,152 |
| Loan and lease loss provision to assets | 0.3065% | 3,217 |
| Net operating income to assets | 0.3231% | 5,176 |
| Return on assets (ROA) | 0.3346% | 5,285 |
| Pretax return on assets | 0.3710% | 5,376 |
| Return on Equity (ROE) | 3.0533% | 5,260 |
| Retained earnings to average equity (ytd only) | 3.0533% | 4,057 |
| Net charge-offs to loans | 0.4513% | 3,175 |
| Credit loss provision to net charge-offs | 101.6949% | 3,414 |
| Earnings coverage of net charge-offs (x) | 2.2055% | 4,128 |
| Efficiency ratio | 85.5095% | 1,617 |
| Assets per employee ($millions) | 2.5777% | 6,755 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8940% | 6,547 |
| Loan loss allowance to noncurrent loans | 51.1706% | 4,958 |
| Noncurrent assets plus other real estate owned to assets | 1.1600% | 4,293 |
| Noncurrent loans to loans | 1.7472% | 3,533 |
| Net loans and leases to total assets | 65.7977% | 2,825 |
| Net loans and leases to deposits | 75.1155% | 3,323 |
| Net loans and leases to core deposits | 80.2381% | 3,430 |
| Total domestic deposits to total assets | 87.5953% | 2,412 |
| Equity capital to assets | 11.2273% | 2,763 |
| Core capital (leverage) ratio | 10.9179% | 2,334 |
| Tier 1 risk-based capital ratio | 18.4242% | 2,070 |
| Total risk-based capital ratio | 19.4014% | 2,117 |
| Memoranda: | ||
| Average total assets | $156,593,400 | 3,686 |
| Average earning assets | $140,046,000 | 3,745 |
| Average equity | $17,162,000 | 3,551 |
| Average total loans | $104,584,400 | 3,513 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4742% | 1,319 |
| Cost of funding earning assets | 1.0199% | 3,530 |
| Net interest margin | 4.4543% | 1,263 |
| Noninterest income to average assets | 0.5984% | 3,168 |
| Noninterest expense to average assets | 3.9343% | 1,093 |
| Loan and lease loss provision to assets | 0.3056% | 3,087 |
| Net operating income to assets | 0.2727% | 5,498 |
| Return on assets (ROA) | 0.2852% | 5,618 |
| Pretax return on assets | 0.3480% | 5,605 |
| Return on Equity (ROE) | 2.6181% | 5,574 |
| Retained earnings to average equity (ytd only) | 2.6181% | 4,796 |
| Net charge-offs to loans | 0.3173% | 3,514 |
| Credit loss provision to net charge-offs | 144.0000% | 2,205 |
| Earnings coverage of net charge-offs (x) | 3.0080% | 3,632 |
| Efficiency ratio | 86.0405% | 1,525 |
| Assets per employee ($millions) | 2.5774% | 6,808 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9809% | 6,351 |
| Loan loss allowance to noncurrent loans | 52.3345% | 4,869 |
| Noncurrent assets plus other real estate owned to assets | 1.2003% | 4,397 |
| Noncurrent loans to loans | 1.8742% | 3,536 |
| Net loans and leases to total assets | 63.4135% | 3,427 |
| Net loans and leases to deposits | 74.0023% | 3,653 |
| Net loans and leases to core deposits | 80.1159% | 3,615 |
| Total domestic deposits to total assets | 85.6913% | 3,392 |
| Equity capital to assets | 10.6653% | 3,498 |
| Core capital (leverage) ratio | 10.8356% | 2,535 |
| Tier 1 risk-based capital ratio | 17.6432% | 2,380 |
| Total risk-based capital ratio | 18.6931% | 2,442 |
| Memoranda: | ||
| Average total assets | $157,077,000 | 3,707 |
| Average earning assets | $140,145,250 | 3,763 |
| Average equity | $17,111,500 | 3,565 |
| Average total loans | $105,060,500 | 3,520 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5593% | 1,151 |
| Cost of funding earning assets | 1.0541% | 3,575 |
| Net interest margin | 4.5052% | 1,121 |
| Noninterest income to average assets | 0.5898% | 3,198 |
| Noninterest expense to average assets | 3.9379% | 1,133 |
| Loan and lease loss provision to assets | 0.3091% | 2,943 |
| Net operating income to assets | 0.2892% | 5,415 |
| Return on assets (ROA) | 0.3078% | 5,478 |
| Pretax return on assets | 0.3837% | 5,443 |
| Return on Equity (ROE) | 2.8047% | 5,477 |
| Retained earnings to average equity (ytd only) | 2.8047% | 4,495 |
| Net charge-offs to loans | 0.2296% | 3,746 |
| Credit loss provision to net charge-offs | 198.3471% | 1,529 |
| Earnings coverage of net charge-offs (x) | 4.2975% | 2,902 |
| Efficiency ratio | 85.4667% | 1,655 |
| Assets per employee ($millions) | 2.6176% | 6,762 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9731% | 6,440 |
| Loan loss allowance to noncurrent loans | 44.8366% | 5,325 |
| Noncurrent assets plus other real estate owned to assets | 1.4613% | 4,028 |
| Noncurrent loans to loans | 2.1703% | 3,257 |
| Net loans and leases to total assets | 66.6745% | 2,896 |
| Net loans and leases to deposits | 78.2232% | 3,085 |
| Net loans and leases to core deposits | 87.3994% | 2,716 |
| Total domestic deposits to total assets | 85.2363% | 3,765 |
| Equity capital to assets | 10.9720% | 2,990 |
| Core capital (leverage) ratio | 10.9798% | 2,274 |
| Tier 1 risk-based capital ratio | 17.3692% | 2,391 |
| Total risk-based capital ratio | 18.4179% | 2,432 |
| Memoranda: | ||
| Average total assets | $155,310,330 | 3,760 |
| Average earning assets | $138,506,000 | 3,817 |
| Average equity | $17,042,670 | 3,562 |
| Average total loans | $105,417,670 | 3,553 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4873% | 1,331 |
| Cost of funding earning assets | 1.0679% | 3,731 |
| Net interest margin | 4.4193% | 1,239 |
| Noninterest income to average assets | 0.5905% | 3,239 |
| Noninterest expense to average assets | 3.9343% | 1,128 |
| Loan and lease loss provision to assets | 0.3108% | 2,684 |
| Net operating income to assets | 0.2694% | 5,542 |
| Return on assets (ROA) | 0.2694% | 5,599 |
| Pretax return on assets | 0.3004% | 5,645 |
| Return on Equity (ROE) | 2.4546% | 5,617 |
| Retained earnings to average equity (ytd only) | 2.4546% | 4,683 |
| Net charge-offs to loans | 0.0418% | 4,526 |
| Credit loss provision to net charge-offs | 1,090.9091% | 353 |
| Earnings coverage of net charge-offs (x) | 21.4545% | 1,082 |
| Efficiency ratio | 86.5527% | 1,651 |
| Assets per employee ($millions) | 2.6128% | 6,832 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9666% | 6,496 |
| Loan loss allowance to noncurrent loans | 50.4705% | 4,984 |
| Noncurrent assets plus other real estate owned to assets | 1.2879% | 4,389 |
| Noncurrent loans to loans | 1.9151% | 3,678 |
| Net loans and leases to total assets | 66.5982% | 2,860 |
| Net loans and leases to deposits | 79.1497% | 2,862 |
| Net loans and leases to core deposits | 86.4536% | 2,812 |
| Total domestic deposits to total assets | 84.1421% | 4,436 |
| Equity capital to assets | 10.8422% | 2,838 |
| Core capital (leverage) ratio | 11.0370% | 2,161 |
| Tier 1 risk-based capital ratio | 17.0149% | 2,467 |
| Total risk-based capital ratio | 18.0416% | 2,520 |
| Memoranda: | ||
| Average total assets | $154,438,500 | 3,802 |
| Average earning assets | $138,211,000 | 3,853 |
| Average equity | $16,948,000 | 3,571 |
| Average total loans | $105,254,500 | 3,594 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8274% | 1,204 |
| Cost of funding earning assets | 1.1834% | 4,656 |
| Net interest margin | 4.6440% | 920 |
| Noninterest income to average assets | 0.5543% | 3,792 |
| Noninterest expense to average assets | 4.0950% | 1,029 |
| Loan and lease loss provision to assets | 0.2387% | 4,901 |
| Net operating income to assets | 0.3101% | 4,900 |
| Return on assets (ROA) | 0.4065% | 4,648 |
| Pretax return on assets | 0.4661% | 4,742 |
| Return on Equity (ROE) | 3.7375% | 4,641 |
| Retained earnings to average equity (ytd only) | 3.7375% | 3,249 |
| Net charge-offs to loans | 0.2036% | 5,067 |
| Credit loss provision to net charge-offs | 170.6161% | 1,982 |
| Earnings coverage of net charge-offs (x) | 4.2464% | 3,001 |
| Efficiency ratio | 87.3303% | 1,538 |
| Assets per employee ($millions) | 2.6226% | 6,817 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8660% | 6,808 |
| Loan loss allowance to noncurrent loans | 67.6077% | 4,025 |
| Noncurrent assets plus other real estate owned to assets | 0.8849% | 5,245 |
| Noncurrent loans to loans | 1.2809% | 4,573 |
| Net loans and leases to total assets | 68.4873% | 2,867 |
| Net loans and leases to deposits | 81.8736% | 2,835 |
| Net loans and leases to core deposits | 88.7624% | 2,934 |
| Total domestic deposits to total assets | 83.6500% | 4,527 |
| Equity capital to assets | 11.1097% | 2,588 |
| Core capital (leverage) ratio | 10.8312% | 2,283 |
| Tier 1 risk-based capital ratio | 16.9922% | 2,348 |
| Total risk-based capital ratio | 17.9134% | 2,439 |
| Memoranda: | ||
| Average total assets | $150,817,400 | 3,859 |
| Average earning assets | $134,279,600 | 3,923 |
| Average equity | $16,401,200 | 3,688 |
| Average total loans | $103,619,000 | 3,688 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8335% | 1,299 |
| Cost of funding earning assets | 1.1860% | 4,938 |
| Net interest margin | 4.6474% | 948 |
| Noninterest income to average assets | 0.5989% | 3,442 |
| Noninterest expense to average assets | 3.9797% | 1,068 |
| Loan and lease loss provision to assets | 0.1728% | 5,313 |
| Net operating income to assets | 0.5098% | 4,273 |
| Return on assets (ROA) | 0.6343% | 3,895 |
| Pretax return on assets | 0.7141% | 4,186 |
| Return on Equity (ROE) | 5.8651% | 3,878 |
| Retained earnings to average equity (ytd only) | 5.8651% | 2,433 |
| Net charge-offs to loans | 0.0891% | 5,634 |
| Credit loss provision to net charge-offs | 282.6087% | 1,147 |
| Earnings coverage of net charge-offs (x) | 12.2171% | 1,711 |
| Efficiency ratio | 84.1987% | 1,812 |
| Assets per employee ($millions) | 2.6205% | 6,901 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8373% | 6,924 |
| Loan loss allowance to noncurrent loans | 68.3359% | 3,898 |
| Noncurrent assets plus other real estate owned to assets | 0.8256% | 5,443 |
| Noncurrent loans to loans | 1.2252% | 4,799 |
| Net loans and leases to total assets | 66.8170% | 3,508 |
| Net loans and leases to deposits | 81.0829% | 3,250 |
| Net loans and leases to core deposits | 85.7739% | 3,691 |
| Total domestic deposits to total assets | 82.4058% | 4,840 |
| Equity capital to assets | 10.6870% | 3,299 |
| Core capital (leverage) ratio | 11.0623% | 2,215 |
| Tier 1 risk-based capital ratio | 16.6663% | 2,476 |
| Total risk-based capital ratio | 17.5417% | 2,594 |
| Memoranda: | ||
| Average total assets | $150,494,250 | 3,919 |
| Average earning assets | $133,661,500 | 3,995 |
| Average equity | $16,276,750 | 3,755 |
| Average total loans | $103,252,250 | 3,753 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8619% | 1,272 |
| Cost of funding earning assets | 1.1712% | 5,282 |
| Net interest margin | 4.6907% | 825 |
| Noninterest income to average assets | 0.6044% | 3,309 |
| Noninterest expense to average assets | 3.9987% | 1,051 |
| Loan and lease loss provision to assets | 0.2024% | 4,851 |
| Net operating income to assets | 0.5151% | 4,260 |
| Return on assets (ROA) | 0.7069% | 3,526 |
| Pretax return on assets | 0.7879% | 3,925 |
| Return on Equity (ROE) | 6.5088% | 3,544 |
| Retained earnings to average equity (ytd only) | 6.5088% | 2,069 |
| Net charge-offs to loans | 0.0879% | 5,257 |
| Credit loss provision to net charge-offs | 333.3333% | 1,087 |
| Earnings coverage of net charge-offs (x) | 12.8000% | 1,649 |
| Efficiency ratio | 83.7288% | 1,951 |
| Assets per employee ($millions) | 2.5172% | 7,081 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8298% | 6,964 |
| Loan loss allowance to noncurrent loans | 76.0316% | 3,565 |
| Noncurrent assets plus other real estate owned to assets | 0.7541% | 5,615 |
| Noncurrent loans to loans | 1.0914% | 5,137 |
| Net loans and leases to total assets | 68.5265% | 3,244 |
| Net loans and leases to deposits | 83.6691% | 2,934 |
| Net loans and leases to core deposits | 88.8013% | 3,438 |
| Total domestic deposits to total assets | 81.9018% | 5,029 |
| Equity capital to assets | 10.8652% | 3,005 |
| Core capital (leverage) ratio | 11.1786% | 2,116 |
| Tier 1 risk-based capital ratio | 16.6908% | 2,406 |
| Total risk-based capital ratio | 17.5566% | 2,501 |
| Memoranda: | ||
| Average total assets | $148,249,670 | 3,991 |
| Average earning assets | $131,834,330 | 4,059 |
| Average equity | $16,101,330 | 3,782 |
| Average total loans | $102,355,670 | 3,821 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8728% | 1,262 |
| Cost of funding earning assets | 1.1917% | 5,451 |
| Net interest margin | 4.6810% | 810 |
| Noninterest income to average assets | 0.5910% | 3,338 |
| Noninterest expense to average assets | 4.0311% | 988 |
| Loan and lease loss provision to assets | 0.2043% | 4,457 |
| Net operating income to assets | 0.4658% | 4,549 |
| Return on assets (ROA) | 0.4658% | 4,682 |
| Pretax return on assets | 0.5175% | 4,903 |
| Return on Equity (ROE) | 4.2892% | 4,759 |
| Retained earnings to average equity (ytd only) | 4.2892% | 3,570 |
| Net charge-offs to loans | 0.1421% | 4,084 |
| Credit loss provision to net charge-offs | 208.3333% | 1,786 |
| Earnings coverage of net charge-offs (x) | 7.3611% | 2,100 |
| Efficiency ratio | 84.8138% | 1,928 |
| Assets per employee ($millions) | 2.4271% | 7,299 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7867% | 7,157 |
| Loan loss allowance to noncurrent loans | 71.6846% | 3,780 |
| Noncurrent assets plus other real estate owned to assets | 0.7538% | 5,644 |
| Noncurrent loans to loans | 1.0975% | 5,162 |
| Net loans and leases to total assets | 68.1436% | 3,352 |
| Net loans and leases to deposits | 83.2993% | 3,064 |
| Net loans and leases to core deposits | 88.6655% | 3,541 |
| Total domestic deposits to total assets | 81.8057% | 5,155 |
| Equity capital to assets | 10.8462% | 2,900 |
| Core capital (leverage) ratio | 11.2670% | 2,047 |
| Tier 1 risk-based capital ratio | 16.6030% | 2,410 |
| Total risk-based capital ratio | 17.4158% | 2,539 |
| Memoranda: | ||
| Average total assets | $146,858,500 | 4,070 |
| Average earning assets | $130,569,000 | 4,138 |
| Average equity | $15,947,000 | 3,835 |
| Average total loans | $101,352,000 | 3,911 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3529% | 931 |
| Cost of funding earning assets | 1.5201% | 5,439 |
| Net interest margin | 4.8328% | 646 |
| Noninterest income to average assets | 0.6653% | 3,191 |
| Noninterest expense to average assets | 4.5954% | 721 |
| Loan and lease loss provision to assets | 0.1440% | 6,203 |
| Net operating income to assets | 0.3391% | 4,377 |
| Return on assets (ROA) | 0.2448% | 4,818 |
| Pretax return on assets | 0.0965% | 5,230 |
| Return on Equity (ROE) | 2.1874% | 4,835 |
| Retained earnings to average equity (ytd only) | 2.1874% | 3,578 |
| Net charge-offs to loans | 0.3811% | 4,304 |
| Credit loss provision to net charge-offs | 55.0964% | 6,694 |
| Earnings coverage of net charge-offs (x) | 1.2810% | 4,849 |
| Efficiency ratio | 93.2087% | 1,469 |
| Assets per employee ($millions) | 2.3880% | 7,368 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7533% | 7,253 |
| Loan loss allowance to noncurrent loans | 64.0572% | 4,187 |
| Noncurrent assets plus other real estate owned to assets | 0.8156% | 5,472 |
| Noncurrent loans to loans | 1.1761% | 4,975 |
| Net loans and leases to total assets | 68.8257% | 3,526 |
| Net loans and leases to deposits | 83.6497% | 3,339 |
| Net loans and leases to core deposits | 91.6718% | 4,929 |
| Total domestic deposits to total assets | 82.2785% | 4,825 |
| Equity capital to assets | 10.8715% | 2,800 |
| Core capital (leverage) ratio | 11.2899% | 2,049 |
| Tier 1 risk-based capital ratio | 16.5867% | 2,279 |
| Total risk-based capital ratio | 17.3672% | 2,403 |
| Memoranda: | ||
| Average total assets | $138,877,000 | 4,145 |
| Average earning assets | $122,557,400 | 4,257 |
| Average equity | $15,543,400 | 3,958 |
| Average total loans | $95,240,200 | 4,081 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4083% | 916 |
| Cost of funding earning assets | 1.5913% | 5,445 |
| Net interest margin | 4.8169% | 663 |
| Noninterest income to average assets | 0.6434% | 3,392 |
| Noninterest expense to average assets | 4.5185% | 731 |
| Loan and lease loss provision to assets | 0.1166% | 6,200 |
| Net operating income to assets | 0.2525% | 4,978 |
| Return on assets (ROA) | 0.4286% | 4,386 |
| Pretax return on assets | 0.4315% | 4,713 |
| Return on Equity (ROE) | 3.8008% | 4,457 |
| Retained earnings to average equity (ytd only) | 3.8008% | 3,164 |
| Net charge-offs to loans | 0.2331% | 4,598 |
| Credit loss provision to net charge-offs | 73.1707% | 5,918 |
| Earnings coverage of net charge-offs (x) | 2.3232% | 4,082 |
| Efficiency ratio | 92.4254% | 1,513 |
| Assets per employee ($millions) | 2.3377% | 7,459 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8877% | 6,810 |
| Loan loss allowance to noncurrent loans | 62.0155% | 4,247 |
| Noncurrent assets plus other real estate owned to assets | 1.0117% | 5,055 |
| Noncurrent loans to loans | 1.4314% | 4,526 |
| Net loans and leases to total assets | 70.0513% | 3,503 |
| Net loans and leases to deposits | 82.2970% | 3,958 |
| Net loans and leases to core deposits | 90.1646% | 5,419 |
| Total domestic deposits to total assets | 85.1201% | 3,165 |
| Equity capital to assets | 11.2588% | 2,785 |
| Core capital (leverage) ratio | 11.8544% | 1,863 |
| Tier 1 risk-based capital ratio | 16.9220% | 2,299 |
| Total risk-based capital ratio | 17.8371% | 2,351 |
| Memoranda: | ||
| Average total assets | $137,180,000 | 4,208 |
| Average earning assets | $120,903,500 | 4,323 |
| Average equity | $15,470,250 | 4,011 |
| Average total loans | $93,796,250 | 4,153 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5637% | 709 |
| Cost of funding earning assets | 1.7086% | 5,228 |
| Net interest margin | 4.8551% | 595 |
| Noninterest income to average assets | 0.5876% | 3,786 |
| Noninterest expense to average assets | 4.4685% | 797 |
| Loan and lease loss provision to assets | 0.0661% | 6,547 |
| Net operating income to assets | 0.3232% | 4,791 |
| Return on assets (ROA) | 0.3232% | 4,913 |
| Pretax return on assets | 0.3232% | 5,157 |
| Return on Equity (ROE) | 2.8640% | 4,953 |
| Retained earnings to average equity (ytd only) | 2.8640% | 3,733 |
| Net charge-offs to loans | 0.1608% | 4,594 |
| Credit loss provision to net charge-offs | 60.8108% | 5,577 |
| Earnings coverage of net charge-offs (x) | 3.5811% | 3,384 |
| Efficiency ratio | 91.9867% | 1,640 |
| Assets per employee ($millions) | 2.2913% | 7,568 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9374% | 6,616 |
| Loan loss allowance to noncurrent loans | 66.7412% | 4,093 |
| Noncurrent assets plus other real estate owned to assets | 0.9754% | 5,025 |
| Noncurrent loans to loans | 1.4045% | 4,405 |
| Net loans and leases to total assets | 68.8018% | 3,996 |
| Net loans and leases to deposits | 82.2616% | 4,183 |
| Net loans and leases to core deposits | 89.9876% | 5,537 |
| Total domestic deposits to total assets | 83.6379% | 3,946 |
| Equity capital to assets | 10.9816% | 2,938 |
| Core capital (leverage) ratio | 11.8713% | 1,892 |
| Tier 1 risk-based capital ratio | 16.9760% | 2,311 |
| Total risk-based capital ratio | 17.9226% | 2,349 |
| Memoranda: | ||
| Average total assets | $136,152,330 | 4,256 |
| Average earning assets | $119,749,670 | 4,374 |
| Average equity | $15,363,000 | 4,046 |
| Average total loans | $92,016,330 | 4,230 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5160% | 842 |
| Cost of funding earning assets | 1.7475% | 5,365 |
| Net interest margin | 4.7686% | 650 |
| Noninterest income to average assets | 0.5344% | 4,030 |
| Noninterest expense to average assets | 4.5701% | 664 |
| Loan and lease loss provision to assets | 0.0649% | 6,136 |
| Net operating income to assets | 0.0886% | 6,016 |
| Return on assets (ROA) | 0.0886% | 6,180 |
| Pretax return on assets | 0.0886% | 6,192 |
| Return on Equity (ROE) | 0.7744% | 6,199 |
| Retained earnings to average equity (ytd only) | 0.7744% | 5,352 |
| Net charge-offs to loans | 0.3013% | 2,902 |
| Credit loss provision to net charge-offs | 32.3529% | 4,920 |
| Earnings coverage of net charge-offs (x) | 0.7647% | 4,415 |
| Efficiency ratio | 96.7500% | 1,281 |
| Assets per employee ($millions) | 2.2524% | 7,647 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9620% | 6,420 |
| Loan loss allowance to noncurrent loans | 75.3002% | 3,864 |
| Noncurrent assets plus other real estate owned to assets | 0.8628% | 5,037 |
| Noncurrent loans to loans | 1.2776% | 4,425 |
| Net loans and leases to total assets | 66.8803% | 4,369 |
| Net loans and leases to deposits | 79.3437% | 4,717 |
| Net loans and leases to core deposits | 86.6821% | 5,856 |
| Total domestic deposits to total assets | 84.2918% | 3,563 |
| Equity capital to assets | 11.2700% | 2,751 |
| Core capital (leverage) ratio | 11.7813% | 2,011 |
| Tier 1 risk-based capital ratio | 16.7753% | 2,415 |
| Total risk-based capital ratio | 17.7039% | 2,469 |
| Memoranda: | ||
| Average total assets | $135,490,500 | 4,300 |
| Average earning assets | $119,029,500 | 4,415 |
| Average equity | $15,496,000 | 4,042 |
| Average total loans | $90,284,000 | 4,299 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9186% | 1,350 |
| Cost of funding earning assets | 2.1531% | 5,816 |
| Net interest margin | 4.7656% | 840 |
| Noninterest income to average assets | 0.5143% | 4,516 |
| Noninterest expense to average assets | 4.2400% | 1,108 |
| Loan and lease loss provision to assets | 0.0456% | 6,843 |
| Net operating income to assets | 0.3506% | 5,350 |
| Return on assets (ROA) | 0.3814% | 5,040 |
| Pretax return on assets | 0.4323% | 5,176 |
| Return on Equity (ROE) | 3.2546% | 5,134 |
| Retained earnings to average equity (ytd only) | 3.2546% | 3,127 |
| Net charge-offs to loans | 0.2317% | 3,922 |
| Credit loss provision to net charge-offs | 30.9278% | 6,520 |
| Earnings coverage of net charge-offs (x) | 3.0052% | 4,583 |
| Efficiency ratio | 90.5419% | 1,471 |
| Assets per employee ($millions) | 2.3420% | 7,501 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0347% | 5,749 |
| Loan loss allowance to noncurrent loans | 118.4615% | 3,005 |
| Noncurrent assets plus other real estate owned to assets | 0.5742% | 5,467 |
| Noncurrent loans to loans | 0.8734% | 4,871 |
| Net loans and leases to total assets | 65.0642% | 5,046 |
| Net loans and leases to deposits | 80.6556% | 4,936 |
| Net loans and leases to core deposits | 88.1113% | 5,967 |
| Total domestic deposits to total assets | 80.6692% | 4,783 |
| Equity capital to assets | 11.6030% | 2,569 |
| Core capital (leverage) ratio | 11.9925% | 1,965 |
| Tier 1 risk-based capital ratio | 17.5892% | 2,153 |
| Total risk-based capital ratio | 18.6158% | 2,168 |
| Memoranda: | ||
| Average total assets | $131,627,200 | 4,243 |
| Average earning assets | $115,138,800 | 4,384 |
| Average equity | $15,424,200 | 4,045 |
| Average total loans | $83,721,200 | 4,404 |