Home > Worthington Bank > Performance and Condition Ratios
Worthington Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1200% | 1,818 |
| Cost of funding earning assets | 1.6051% | 1,677 |
| Net interest margin | 3.5149% | 2,150 |
| Noninterest income to average assets | 0.1900% | 3,826 |
| Noninterest expense to average assets | 2.6841% | 1,778 |
| Loan and lease loss provision to assets | 0.1100% | 1,180 |
| Net operating income to assets | 0.5996% | 3,444 |
| Return on assets (ROA) | 0.5996% | 3,431 |
| Pretax return on assets | 0.7402% | 3,357 |
| Return on Equity (ROE) | 7.1000% | 3,258 |
| Retained earnings to average equity (ytd only) | 7.1025% | 1,863 |
| Net charge-offs to loans | -0.0016% | 3,656 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 75.9896% | 1,246 |
| Assets per employee ($millions) | 7.6788% | 1,603 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9357% | 3,587 |
| Loan loss allowance to noncurrent loans | 3,467.2566% | 325 |
| Noncurrent assets plus other real estate owned to assets | 0.0199% | 3,605 |
| Noncurrent loans to loans | 0.0270% | 3,550 |
| Net loans and leases to total assets | 73.0000% | 1,472 |
| Net loans and leases to deposits | 83.0494% | 1,856 |
| Net loans and leases to core deposits | 95.0942% | 1,703 |
| Total domestic deposits to total assets | 87.9000% | 1,390 |
| Equity capital to assets | 8.1277% | 3,331 |
| Core capital (leverage) ratio | 8.6162% | 4,026 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2984% | 2,493 |
| Memoranda: | ||
| Average total assets | $522,815,800 | 1,681 |
| Average earning assets | $496,659,600 | 1,646 |
| Average equity | $44,139,200 | 1,755 |
| Average total loans | $374,277,400 | 1,537 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0002% | 1,825 |
| Cost of funding earning assets | 1.4531% | 1,727 |
| Net interest margin | 3.5472% | 2,112 |
| Noninterest income to average assets | 0.1900% | 3,850 |
| Noninterest expense to average assets | 2.6035% | 1,933 |
| Loan and lease loss provision to assets | 0.1500% | 774 |
| Net operating income to assets | 0.6144% | 3,507 |
| Return on assets (ROA) | 0.6144% | 3,502 |
| Pretax return on assets | 0.8115% | 3,306 |
| Return on Equity (ROE) | 7.2000% | 3,379 |
| Retained earnings to average equity (ytd only) | 7.2031% | 2,221 |
| Net charge-offs to loans | -0.0022% | 3,590 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 73.0899% | 1,443 |
| Assets per employee ($millions) | 7.2373% | 1,798 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0111% | 3,310 |
| Loan loss allowance to noncurrent loans | 3,036.4341% | 362 |
| Noncurrent assets plus other real estate owned to assets | 0.0238% | 3,578 |
| Noncurrent loans to loans | 0.0333% | 3,531 |
| Net loans and leases to total assets | 70.6500% | 1,749 |
| Net loans and leases to deposits | 77.6694% | 2,276 |
| Net loans and leases to core deposits | 87.8617% | 2,057 |
| Total domestic deposits to total assets | 90.9600% | 683 |
| Equity capital to assets | 8.1859% | 2,932 |
| Core capital (leverage) ratio | 8.8806% | 3,881 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8700% | 2,313 |
| Memoranda: | ||
| Average total assets | $511,461,750 | 1,709 |
| Average earning assets | $485,859,500 | 1,676 |
| Average equity | $43,628,000 | 1,761 |
| Average total loans | $363,167,000 | 1,562 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8786% | 1,814 |
| Cost of funding earning assets | 1.2085% | 1,960 |
| Net interest margin | 3.6701% | 1,877 |
| Noninterest income to average assets | 0.2000% | 3,770 |
| Noninterest expense to average assets | 2.5560% | 2,045 |
| Loan and lease loss provision to assets | 0.1600% | 694 |
| Net operating income to assets | 0.7309% | 3,270 |
| Return on assets (ROA) | 0.7309% | 3,276 |
| Pretax return on assets | 0.9664% | 3,002 |
| Return on Equity (ROE) | 8.4500% | 3,124 |
| Retained earnings to average equity (ytd only) | 8.4456% | 1,831 |
| Net charge-offs to loans | -0.0028% | 3,594 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 69.3341% | 1,827 |
| Assets per employee ($millions) | 7.2880% | 1,725 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0019% | 3,409 |
| Loan loss allowance to noncurrent loans | 3,839.7959% | 325 |
| Noncurrent assets plus other real estate owned to assets | 0.0192% | 3,637 |
| Noncurrent loans to loans | 0.0261% | 3,572 |
| Net loans and leases to total assets | 72.8800% | 1,423 |
| Net loans and leases to deposits | 84.8276% | 1,601 |
| Net loans and leases to core deposits | 91.7469% | 1,700 |
| Total domestic deposits to total assets | 85.9200% | 2,253 |
| Equity capital to assets | 8.6073% | 2,772 |
| Core capital (leverage) ratio | 9.1774% | 3,573 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2993% | 2,174 |
| Memoranda: | ||
| Average total assets | $501,016,667 | 1,724 |
| Average earning assets | $475,796,667 | 1,696 |
| Average equity | $43,359,667 | 1,768 |
| Average total loans | $355,094,667 | 1,583 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7688% | 1,695 |
| Cost of funding earning assets | 0.8496% | 2,536 |
| Net interest margin | 3.9192% | 1,439 |
| Noninterest income to average assets | 0.2200% | 3,644 |
| Noninterest expense to average assets | 2.4446% | 2,384 |
| Loan and lease loss provision to assets | 0.1700% | 639 |
| Net operating income to assets | 1.0273% | 2,449 |
| Return on assets (ROA) | 1.0273% | 2,413 |
| Pretax return on assets | 1.3141% | 2,140 |
| Return on Equity (ROE) | 11.8400% | 2,259 |
| Retained earnings to average equity (ytd only) | 11.8373% | 1,300 |
| Net charge-offs to loans | -0.0035% | 3,548 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 62.1594% | 2,672 |
| Assets per employee ($millions) | 7.6826% | 1,517 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0054% | 3,496 |
| Loan loss allowance to noncurrent loans | 3,156.6372% | 415 |
| Noncurrent assets plus other real estate owned to assets | 0.0233% | 3,561 |
| Noncurrent loans to loans | 0.0318% | 3,529 |
| Net loans and leases to total assets | 72.5700% | 1,365 |
| Net loans and leases to deposits | 80.5499% | 1,777 |
| Net loans and leases to core deposits | 86.7232% | 1,821 |
| Total domestic deposits to total assets | 90.0900% | 1,128 |
| Equity capital to assets | 9.1442% | 2,411 |
| Core capital (leverage) ratio | 9.0833% | 3,660 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1822% | 2,317 |
| Memoranda: | ||
| Average total assets | $496,445,500 | 1,751 |
| Average earning assets | $470,810,500 | 1,724 |
| Average equity | $43,084,000 | 1,793 |
| Average total loans | $344,856,500 | 1,637 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5486% | 2,947 |
| Cost of funding earning assets | 0.2044% | 3,722 |
| Net interest margin | 3.3442% | 2,436 |
| Noninterest income to average assets | 0.2000% | 3,947 |
| Noninterest expense to average assets | 2.0354% | 3,482 |
| Loan and lease loss provision to assets | -0.0100% | 4,279 |
| Net operating income to assets | 0.9612% | 2,719 |
| Return on assets (ROA) | 0.9612% | 2,663 |
| Pretax return on assets | 1.2255% | 2,355 |
| Return on Equity (ROE) | 7.9200% | 3,410 |
| Retained earnings to average equity (ytd only) | 7.9189% | 1,868 |
| Net charge-offs to loans | -0.0095% | 3,812 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 62.5732% | 2,691 |
| Assets per employee ($millions) | 8.4535% | 1,115 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9993% | 3,395 |
| Loan loss allowance to noncurrent loans | 1,494.1964% | 734 |
| Noncurrent assets plus other real estate owned to assets | 0.0414% | 3,387 |
| Noncurrent loans to loans | 0.0669% | 3,266 |
| Net loans and leases to total assets | 61.2900% | 2,518 |
| Net loans and leases to deposits | 71.1535% | 2,474 |
| Net loans and leases to core deposits | 77.1119% | 2,341 |
| Total domestic deposits to total assets | 86.1300% | 2,688 |
| Equity capital to assets | 13.6858% | 608 |
| Core capital (leverage) ratio | 8.5267% | 4,111 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0868% | 1,943 |
| Memoranda: | ||
| Average total assets | $529,981,000 | 1,661 |
| Average earning assets | $483,911,600 | 1,667 |
| Average equity | $64,327,000 | 1,331 |
| Average total loans | $294,473,600 | 1,747 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2110% | 3,411 |
| Cost of funding earning assets | 0.0730% | 4,468 |
| Net interest margin | 3.1380% | 2,808 |
| Noninterest income to average assets | 0.2000% | 3,989 |
| Noninterest expense to average assets | 1.9635% | 3,578 |
| Loan and lease loss provision to assets | 0.0800% | 1,289 |
| Net operating income to assets | 0.8148% | 3,189 |
| Return on assets (ROA) | 0.8148% | 3,156 |
| Pretax return on assets | 1.0386% | 2,904 |
| Return on Equity (ROE) | 6.9400% | 3,605 |
| Retained earnings to average equity (ytd only) | 6.9403% | 2,380 |
| Net charge-offs to loans | -0.0117% | 3,766 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 63.6968% | 2,591 |
| Assets per employee ($millions) | 9.6535% | 716 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1779% | 2,646 |
| Loan loss allowance to noncurrent loans | 2,627.6596% | 460 |
| Noncurrent assets plus other real estate owned to assets | 0.0248% | 3,693 |
| Noncurrent loans to loans | 0.0448% | 3,570 |
| Net loans and leases to total assets | 54.5800% | 3,042 |
| Net loans and leases to deposits | 62.7172% | 2,966 |
| Net loans and leases to core deposits | 67.0438% | 2,875 |
| Total domestic deposits to total assets | 87.0200% | 2,757 |
| Equity capital to assets | 12.7169% | 728 |
| Core capital (leverage) ratio | 8.0165% | 4,385 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7442% | 1,790 |
| Memoranda: | ||
| Average total assets | $527,220,750 | 1,683 |
| Average earning assets | $483,735,250 | 1,677 |
| Average equity | $61,898,000 | 1,383 |
| Average total loans | $284,362,500 | 1,788 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8492% | 3,892 |
| Cost of funding earning assets | 0.0494% | 4,600 |
| Net interest margin | 2.7999% | 3,447 |
| Noninterest income to average assets | 0.2109% | 3,940 |
| Noninterest expense to average assets | 1.9602% | 3,550 |
| Loan and lease loss provision to assets | 0.0592% | 1,528 |
| Net operating income to assets | 0.6131% | 3,594 |
| Return on assets (ROA) | 0.6131% | 3,538 |
| Pretax return on assets | 0.7784% | 3,381 |
| Return on Equity (ROE) | 5.3882% | 3,732 |
| Retained earnings to average equity (ytd only) | 5.3882% | 2,562 |
| Net charge-offs to loans | -0.0153% | 3,767 |
| Credit loss provision to net charge-offs | -723.8095% | 3,467 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0613% | 1,948 |
| Assets per employee ($millions) | 9.8345% | 695 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2000% | 2,678 |
| Loan loss allowance to noncurrent loans | 2,252.2293% | 509 |
| Noncurrent assets plus other real estate owned to assets | 0.0290% | 3,691 |
| Noncurrent loans to loans | 0.0533% | 3,548 |
| Net loans and leases to total assets | 53.8250% | 2,979 |
| Net loans and leases to deposits | 62.3218% | 2,865 |
| Net loans and leases to core deposits | 66.3339% | 2,788 |
| Total domestic deposits to total assets | 86.3663% | 3,154 |
| Equity capital to assets | 13.4220% | 591 |
| Core capital (leverage) ratio | 7.9979% | 4,338 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1424% | 1,672 |
| Memoranda: | ||
| Average total assets | $513,108,333 | 1,704 |
| Average earning assets | $474,096,667 | 1,711 |
| Average equity | $58,387,333 | 1,469 |
| Average total loans | $274,299,667 | 1,835 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5255% | 4,236 |
| Cost of funding earning assets | 0.0529% | 4,576 |
| Net interest margin | 2.4726% | 3,950 |
| Noninterest income to average assets | 0.2147% | 3,870 |
| Noninterest expense to average assets | 2.0865% | 3,193 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.3638% | 4,032 |
| Return on assets (ROA) | 0.3638% | 3,996 |
| Pretax return on assets | 0.4503% | 3,950 |
| Return on Equity (ROE) | 3.5412% | 3,987 |
| Retained earnings to average equity (ytd only) | 3.5412% | 3,103 |
| Net charge-offs to loans | -0.0288% | 4,070 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.2489% | 965 |
| Assets per employee ($millions) | 9.5801% | 759 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2805% | 2,454 |
| Loan loss allowance to noncurrent loans | 2,000.5917% | 555 |
| Noncurrent assets plus other real estate owned to assets | 0.0327% | 3,710 |
| Noncurrent loans to loans | 0.0640% | 3,531 |
| Net loans and leases to total assets | 50.3851% | 3,133 |
| Net loans and leases to deposits | 57.4804% | 3,123 |
| Net loans and leases to core deposits | 61.5091% | 3,018 |
| Total domestic deposits to total assets | 87.6561% | 2,686 |
| Equity capital to assets | 12.1786% | 896 |
| Core capital (leverage) ratio | 8.1817% | 4,172 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3620% | 1,411 |
| Memoranda: | ||
| Average total assets | $499,215,000 | 1,732 |
| Average earning assets | $468,809,500 | 1,731 |
| Average equity | $51,281,500 | 1,703 |
| Average total loans | $264,113,000 | 1,863 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3667% | 3,013 |
| Cost of funding earning assets | 0.0975% | 4,399 |
| Net interest margin | 3.2691% | 2,412 |
| Noninterest income to average assets | 0.3242% | 3,464 |
| Noninterest expense to average assets | 2.4628% | 2,297 |
| Loan and lease loss provision to assets | -0.1420% | 4,617 |
| Net operating income to assets | 0.8878% | 3,086 |
| Return on assets (ROA) | 0.8878% | 3,148 |
| Pretax return on assets | 1.1427% | 2,843 |
| Return on Equity (ROE) | 10.1051% | 2,486 |
| Retained earnings to average equity (ytd only) | 10.1051% | 891 |
| Net charge-offs to loans | -0.0074% | 3,650 |
| Credit loss provision to net charge-offs | 2,995.0000% | 232 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1078% | 1,602 |
| Assets per employee ($millions) | 8.7474% | 997 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2499% | 2,627 |
| Loan loss allowance to noncurrent loans | 1,814.2857% | 567 |
| Noncurrent assets plus other real estate owned to assets | 0.0378% | 3,752 |
| Noncurrent loans to loans | 0.0689% | 3,596 |
| Net loans and leases to total assets | 54.2269% | 2,819 |
| Net loans and leases to deposits | 59.1423% | 3,154 |
| Net loans and leases to core deposits | 62.8309% | 3,090 |
| Total domestic deposits to total assets | 91.6889% | 270 |
| Equity capital to assets | 8.2227% | 4,218 |
| Core capital (leverage) ratio | 8.1182% | 4,271 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $421,710,200 | 1,922 |
| Average earning assets | $404,971,200 | 1,891 |
| Average equity | $37,050,600 | 2,198 |
| Average total loans | $271,384,400 | 1,830 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5333% | 2,737 |
| Cost of funding earning assets | 0.1121% | 4,411 |
| Net interest margin | 3.4211% | 2,093 |
| Noninterest income to average assets | 0.3284% | 3,463 |
| Noninterest expense to average assets | 2.3929% | 2,460 |
| Loan and lease loss provision to assets | -0.1310% | 4,663 |
| Net operating income to assets | 1.0493% | 2,732 |
| Return on assets (ROA) | 1.0493% | 2,797 |
| Pretax return on assets | 1.3456% | 2,499 |
| Return on Equity (ROE) | 11.7212% | 2,138 |
| Retained earnings to average equity (ytd only) | 11.7212% | 895 |
| Net charge-offs to loans | -0.0088% | 3,620 |
| Credit loss provision to net charge-offs | 2,222.2222% | 307 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3336% | 2,056 |
| Assets per employee ($millions) | 8.7320% | 979 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3007% | 2,482 |
| Loan loss allowance to noncurrent loans | 1,541.4097% | 570 |
| Noncurrent assets plus other real estate owned to assets | 0.0490% | 3,826 |
| Noncurrent loans to loans | 0.0844% | 3,662 |
| Net loans and leases to total assets | 57.3713% | 2,577 |
| Net loans and leases to deposits | 62.9990% | 2,958 |
| Net loans and leases to core deposits | 67.7649% | 2,801 |
| Total domestic deposits to total assets | 91.0669% | 350 |
| Equity capital to assets | 8.4279% | 4,259 |
| Core capital (leverage) ratio | 8.9472% | 3,614 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $406,861,250 | 1,986 |
| Average earning assets | $389,960,000 | 1,956 |
| Average equity | $36,423,250 | 2,260 |
| Average total loans | $273,182,750 | 1,853 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6998% | 2,332 |
| Cost of funding earning assets | 0.1328% | 4,331 |
| Net interest margin | 3.5671% | 1,667 |
| Noninterest income to average assets | 0.3328% | 3,433 |
| Noninterest expense to average assets | 2.4821% | 2,202 |
| Loan and lease loss provision to assets | -0.2061% | 4,760 |
| Net operating income to assets | 1.1535% | 2,354 |
| Return on assets (ROA) | 1.1535% | 2,412 |
| Pretax return on assets | 1.4755% | 2,095 |
| Return on Equity (ROE) | 12.5917% | 1,854 |
| Retained earnings to average equity (ytd only) | 12.5917% | 792 |
| Net charge-offs to loans | -0.0087% | 3,621 |
| Credit loss provision to net charge-offs | 3,333.3333% | 194 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1631% | 2,131 |
| Assets per employee ($millions) | 7.9033% | 1,257 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2624% | 2,626 |
| Loan loss allowance to noncurrent loans | 1,402.8112% | 564 |
| Noncurrent assets plus other real estate owned to assets | 0.0594% | 3,834 |
| Noncurrent loans to loans | 0.0900% | 3,726 |
| Net loans and leases to total assets | 65.2218% | 1,796 |
| Net loans and leases to deposits | 71.9928% | 2,204 |
| Net loans and leases to core deposits | 78.1192% | 2,034 |
| Total domestic deposits to total assets | 90.5948% | 520 |
| Equity capital to assets | 9.0072% | 3,788 |
| Core capital (leverage) ratio | 9.4226% | 2,990 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $388,215,667 | 2,045 |
| Average earning assets | $372,071,333 | 2,011 |
| Average equity | $35,563,000 | 2,290 |
| Average total loans | $274,573,000 | 1,860 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0650% | 1,475 |
| Cost of funding earning assets | 0.1611% | 4,231 |
| Net interest margin | 3.9039% | 982 |
| Noninterest income to average assets | 0.3272% | 3,465 |
| Noninterest expense to average assets | 2.5799% | 1,931 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.1607% | 2,297 |
| Return on assets (ROA) | 1.1607% | 2,365 |
| Pretax return on assets | 1.4900% | 2,024 |
| Return on Equity (ROE) | 12.5522% | 1,812 |
| Retained earnings to average equity (ytd only) | 12.5522% | 1,015 |
| Net charge-offs to loans | -0.0146% | 3,847 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3896% | 2,549 |
| Assets per employee ($millions) | 7.0680% | 1,752 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4116% | 1,905 |
| Loan loss allowance to noncurrent loans | 1,490.8046% | 484 |
| Noncurrent assets plus other real estate owned to assets | 0.0684% | 3,885 |
| Noncurrent loans to loans | 0.0947% | 3,833 |
| Net loans and leases to total assets | 71.2000% | 1,127 |
| Net loans and leases to deposits | 78.6410% | 1,653 |
| Net loans and leases to core deposits | 86.8425% | 1,467 |
| Total domestic deposits to total assets | 90.5380% | 572 |
| Equity capital to assets | 9.1785% | 3,510 |
| Core capital (leverage) ratio | 9.6389% | 2,881 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $372,886,500 | 2,093 |
| Average earning assets | $357,491,500 | 2,052 |
| Average equity | $34,480,000 | 2,334 |
| Average total loans | $273,514,500 | 1,863 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2487% | 2,002 |
| Cost of funding earning assets | 0.3223% | 4,014 |
| Net interest margin | 3.9263% | 1,145 |
| Noninterest income to average assets | 0.3885% | 3,162 |
| Noninterest expense to average assets | 2.6904% | 2,265 |
| Loan and lease loss provision to assets | 0.2670% | 1,445 |
| Net operating income to assets | 0.9110% | 2,646 |
| Return on assets (ROA) | 0.9110% | 2,780 |
| Pretax return on assets | 1.1691% | 2,445 |
| Return on Equity (ROE) | 9.7501% | 2,095 |
| Retained earnings to average equity (ytd only) | 9.7501% | 637 |
| Net charge-offs to loans | 0.0054% | 3,154 |
| Credit loss provision to net charge-offs | 6,607.1429% | 166 |
| Earnings coverage of net charge-offs (x) | 355.3571% | 307 |
| Efficiency ratio | 65.1976% | 2,650 |
| Assets per employee ($millions) | 6.7426% | 1,747 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4301% | 1,854 |
| Loan loss allowance to noncurrent loans | 1,366.5493% | 521 |
| Noncurrent assets plus other real estate owned to assets | 0.0780% | 3,941 |
| Noncurrent loans to loans | 0.1046% | 3,873 |
| Net loans and leases to total assets | 73.4705% | 1,095 |
| Net loans and leases to deposits | 81.1340% | 1,747 |
| Net loans and leases to core deposits | 90.1474% | 1,514 |
| Total domestic deposits to total assets | 90.5545% | 353 |
| Equity capital to assets | 9.3183% | 3,770 |
| Core capital (leverage) ratio | 8.7698% | 3,934 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $346,418,600 | 2,069 |
| Average earning assets | $329,797,600 | 2,027 |
| Average equity | $32,369,000 | 2,368 |
| Average total loans | $260,188,000 | 1,868 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2853% | 2,145 |
| Cost of funding earning assets | 0.3550% | 4,031 |
| Net interest margin | 3.9303% | 1,280 |
| Noninterest income to average assets | 0.3626% | 3,288 |
| Noninterest expense to average assets | 2.6955% | 2,278 |
| Loan and lease loss provision to assets | 0.2728% | 1,478 |
| Net operating income to assets | 0.8752% | 2,790 |
| Return on assets (ROA) | 0.8752% | 2,925 |
| Pretax return on assets | 1.1275% | 2,654 |
| Return on Equity (ROE) | 9.3600% | 2,254 |
| Retained earnings to average equity (ytd only) | 9.3600% | 887 |
| Net charge-offs to loans | 0.0088% | 2,792 |
| Credit loss provision to net charge-offs | 4,117.6471% | 270 |
| Earnings coverage of net charge-offs (x) | 211.2941% | 480 |
| Efficiency ratio | 65.8100% | 2,492 |
| Assets per employee ($millions) | 7.6413% | 1,147 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3149% | 2,101 |
| Loan loss allowance to noncurrent loans | 1,225.8389% | 503 |
| Noncurrent assets plus other real estate owned to assets | 0.0765% | 4,051 |
| Noncurrent loans to loans | 0.1073% | 3,941 |
| Net loans and leases to total assets | 70.3512% | 1,897 |
| Net loans and leases to deposits | 77.1711% | 2,633 |
| Net loans and leases to core deposits | 85.5452% | 2,340 |
| Total domestic deposits to total assets | 91.1625% | 141 |
| Equity capital to assets | 8.5000% | 4,464 |
| Core capital (leverage) ratio | 8.6294% | 4,157 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $341,998,250 | 2,068 |
| Average earning assets | $324,851,500 | 2,032 |
| Average equity | $31,979,250 | 2,375 |
| Average total loans | $257,388,250 | 1,875 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5832% | 1,681 |
| Cost of funding earning assets | 0.3950% | 4,055 |
| Net interest margin | 4.1882% | 951 |
| Noninterest income to average assets | 0.3833% | 3,186 |
| Noninterest expense to average assets | 2.8071% | 2,081 |
| Loan and lease loss provision to assets | 0.3833% | 1,076 |
| Net operating income to assets | 0.9053% | 2,668 |
| Return on assets (ROA) | 0.9053% | 2,793 |
| Pretax return on assets | 1.1659% | 2,476 |
| Return on Equity (ROE) | 9.3426% | 2,229 |
| Retained earnings to average equity (ytd only) | 9.3426% | 925 |
| Net charge-offs to loans | -0.0016% | 3,793 |
| Credit loss provision to net charge-offs | -31,250.0000% | 4,309 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4376% | 2,762 |
| Assets per employee ($millions) | 7.3103% | 1,272 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2962% | 2,020 |
| Loan loss allowance to noncurrent loans | 1,057.9412% | 537 |
| Noncurrent assets plus other real estate owned to assets | 0.0912% | 4,072 |
| Noncurrent loans to loans | 0.1225% | 3,961 |
| Net loans and leases to total assets | 73.4694% | 1,483 |
| Net loans and leases to deposits | 80.7929% | 2,341 |
| Net loans and leases to core deposits | 90.1350% | 2,064 |
| Total domestic deposits to total assets | 90.9354% | 158 |
| Equity capital to assets | 8.6890% | 4,363 |
| Core capital (leverage) ratio | 9.7247% | 3,107 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $326,096,000 | 2,111 |
| Average earning assets | $309,344,667 | 2,077 |
| Average equity | $31,597,333 | 2,382 |
| Average total loans | $250,579,333 | 1,898 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5837% | 2,043 |
| Cost of funding earning assets | 0.4646% | 4,094 |
| Net interest margin | 4.1190% | 1,094 |
| Noninterest income to average assets | 0.3898% | 3,169 |
| Noninterest expense to average assets | 3.0298% | 1,813 |
| Loan and lease loss provision to assets | 0.2643% | 1,179 |
| Net operating income to assets | 0.7703% | 3,020 |
| Return on assets (ROA) | 0.7703% | 3,088 |
| Pretax return on assets | 0.9963% | 2,852 |
| Return on Equity (ROE) | 7.4747% | 2,747 |
| Retained earnings to average equity (ytd only) | 7.4747% | 1,388 |
| Net charge-offs to loans | -0.0034% | 3,748 |
| Credit loss provision to net charge-offs | -10,000.0000% | 3,968 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6190% | 2,265 |
| Assets per employee ($millions) | 6.0793% | 1,615 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3046% | 2,126 |
| Loan loss allowance to noncurrent loans | 4,405.5556% | 149 |
| Noncurrent assets plus other real estate owned to assets | 0.0232% | 4,516 |
| Noncurrent loans to loans | 0.0296% | 4,443 |
| Net loans and leases to total assets | 77.3984% | 1,069 |
| Net loans and leases to deposits | 86.3944% | 1,948 |
| Net loans and leases to core deposits | 98.2059% | 1,608 |
| Total domestic deposits to total assets | 89.5873% | 449 |
| Equity capital to assets | 10.1582% | 3,641 |
| Core capital (leverage) ratio | 10.7667% | 2,680 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $302,731,000 | 2,196 |
| Average earning assets | $286,669,500 | 2,150 |
| Average equity | $31,198,500 | 2,391 |
| Average total loans | $237,114,000 | 1,948 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7768% | 2,114 |
| Cost of funding earning assets | 0.5748% | 3,743 |
| Net interest margin | 4.2019% | 1,319 |
| Noninterest income to average assets | 0.3981% | 3,304 |
| Noninterest expense to average assets | 3.0509% | 1,876 |
| Loan and lease loss provision to assets | 0.0135% | 3,743 |
| Net operating income to assets | 1.0193% | 2,776 |
| Return on assets (ROA) | 1.0193% | 2,867 |
| Pretax return on assets | 1.3014% | 2,499 |
| Return on Equity (ROE) | 10.3771% | 2,128 |
| Retained earnings to average equity (ytd only) | 10.3771% | 423 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8815% | 2,188 |
| Assets per employee ($millions) | 5.4707% | 2,088 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2852% | 1,997 |
| Loan loss allowance to noncurrent loans | 3,712.5000% | 184 |
| Noncurrent assets plus other real estate owned to assets | 0.0271% | 4,517 |
| Noncurrent loans to loans | 0.0346% | 4,424 |
| Net loans and leases to total assets | 77.2183% | 1,221 |
| Net loans and leases to deposits | 86.3987% | 2,039 |
| Net loans and leases to core deposits | 99.7769% | 1,580 |
| Total domestic deposits to total assets | 89.3743% | 538 |
| Equity capital to assets | 10.4605% | 3,489 |
| Core capital (leverage) ratio | 10.6022% | 2,857 |
| Tier 1 risk-based capital ratio | 14.5705% | 2,978 |
| Total risk-based capital ratio | 15.8223% | 2,884 |
| Memoranda: | ||
| Average total assets | $295,682,200 | 2,181 |
| Average earning assets | $279,204,600 | 2,151 |
| Average equity | $29,044,600 | 2,446 |
| Average total loans | $220,118,800 | 2,028 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7806% | 2,176 |
| Cost of funding earning assets | 0.5849% | 3,758 |
| Net interest margin | 4.1957% | 1,388 |
| Noninterest income to average assets | 0.4053% | 3,280 |
| Noninterest expense to average assets | 3.0480% | 1,835 |
| Loan and lease loss provision to assets | 0.0180% | 3,546 |
| Net operating income to assets | 1.0058% | 2,961 |
| Return on assets (ROA) | 1.0058% | 3,041 |
| Pretax return on assets | 1.3006% | 2,667 |
| Return on Equity (ROE) | 10.4079% | 2,250 |
| Retained earnings to average equity (ytd only) | 10.4079% | 653 |
| Net charge-offs to loans | -0.0006% | 3,976 |
| Credit loss provision to net charge-offs | -4,000.0000% | 4,617 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8018% | 2,146 |
| Assets per employee ($millions) | 5.5301% | 2,001 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3552% | 1,741 |
| Loan loss allowance to noncurrent loans | 3,338.2022% | 209 |
| Noncurrent assets plus other real estate owned to assets | 0.0304% | 4,580 |
| Noncurrent loans to loans | 0.0406% | 4,472 |
| Net loans and leases to total assets | 73.7865% | 1,854 |
| Net loans and leases to deposits | 82.6024% | 2,606 |
| Net loans and leases to core deposits | 96.0797% | 1,985 |
| Total domestic deposits to total assets | 89.3273% | 511 |
| Equity capital to assets | 10.2046% | 3,821 |
| Core capital (leverage) ratio | 10.4137% | 3,180 |
| Tier 1 risk-based capital ratio | 14.2157% | 3,215 |
| Total risk-based capital ratio | 15.4675% | 3,118 |
| Memoranda: | ||
| Average total assets | $295,748,500 | 2,200 |
| Average earning assets | $279,231,500 | 2,166 |
| Average equity | $28,580,250 | 2,486 |
| Average total loans | $217,377,000 | 2,062 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7651% | 2,173 |
| Cost of funding earning assets | 0.5910% | 3,697 |
| Net interest margin | 4.1741% | 1,423 |
| Noninterest income to average assets | 0.4173% | 3,153 |
| Noninterest expense to average assets | 3.0179% | 1,960 |
| Loan and lease loss provision to assets | 0.0270% | 3,282 |
| Net operating income to assets | 1.0188% | 2,849 |
| Return on assets (ROA) | 1.0188% | 2,933 |
| Pretax return on assets | 1.3154% | 2,501 |
| Return on Equity (ROE) | 10.7402% | 2,080 |
| Retained earnings to average equity (ytd only) | 10.7402% | 593 |
| Net charge-offs to loans | -0.0212% | 4,559 |
| Credit loss provision to net charge-offs | -173.9130% | 3,968 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2129% | 2,346 |
| Assets per employee ($millions) | 5.8157% | 1,679 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3988% | 1,618 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 68.4485% | 2,759 |
| Net loans and leases to deposits | 75.8949% | 3,347 |
| Net loans and leases to core deposits | 86.9000% | 2,893 |
| Total domestic deposits to total assets | 90.1886% | 288 |
| Equity capital to assets | 9.4539% | 4,447 |
| Core capital (leverage) ratio | 9.9761% | 3,602 |
| Tier 1 risk-based capital ratio | 14.1772% | 3,232 |
| Total risk-based capital ratio | 15.4296% | 3,139 |
| Memoranda: | ||
| Average total assets | $296,633,670 | 2,200 |
| Average earning assets | $280,202,000 | 2,166 |
| Average equity | $28,137,330 | 2,503 |
| Average total loans | $216,758,000 | 2,067 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7445% | 2,064 |
| Cost of funding earning assets | 0.6078% | 3,525 |
| Net interest margin | 4.1367% | 1,462 |
| Noninterest income to average assets | 0.3480% | 3,531 |
| Noninterest expense to average assets | 3.0519% | 1,845 |
| Loan and lease loss provision to assets | 0.0550% | 2,568 |
| Net operating income to assets | 0.8844% | 3,292 |
| Return on assets (ROA) | 0.8844% | 3,350 |
| Pretax return on assets | 1.1443% | 2,995 |
| Return on Equity (ROE) | 9.3067% | 2,671 |
| Retained earnings to average equity (ytd only) | 9.3067% | 1,224 |
| Net charge-offs to loans | -0.0367% | 4,724 |
| Credit loss provision to net charge-offs | -200.0000% | 3,626 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7891% | 2,066 |
| Assets per employee ($millions) | 5.5264% | 1,960 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3686% | 1,791 |
| Loan loss allowance to noncurrent loans | 2,182.4818% | 296 |
| Noncurrent assets plus other real estate owned to assets | 0.0468% | 4,594 |
| Noncurrent loans to loans | 0.0627% | 4,482 |
| Net loans and leases to total assets | 73.5702% | 1,890 |
| Net loans and leases to deposits | 81.6625% | 2,645 |
| Net loans and leases to core deposits | 96.2030% | 1,913 |
| Total domestic deposits to total assets | 90.0905% | 418 |
| Equity capital to assets | 9.5620% | 4,198 |
| Core capital (leverage) ratio | 9.9036% | 3,710 |
| Tier 1 risk-based capital ratio | 13.6053% | 3,552 |
| Total risk-based capital ratio | 14.8573% | 3,463 |
| Memoranda: | ||
| Average total assets | $290,834,000 | 2,245 |
| Average earning assets | $274,423,500 | 2,209 |
| Average equity | $27,636,000 | 2,541 |
| Average total loans | $218,150,000 | 2,076 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7666% | 1,619 |
| Cost of funding earning assets | 0.4209% | 3,855 |
| Net interest margin | 4.3457% | 1,051 |
| Noninterest income to average assets | 0.4265% | 3,264 |
| Noninterest expense to average assets | 3.2427% | 1,446 |
| Loan and lease loss provision to assets | 0.1263% | 1,733 |
| Net operating income to assets | 0.8695% | 3,539 |
| Return on assets (ROA) | 0.8695% | 3,534 |
| Pretax return on assets | 1.1301% | 3,169 |
| Return on Equity (ROE) | 8.8881% | 3,045 |
| Retained earnings to average equity (ytd only) | 8.8881% | 906 |
| Net charge-offs to loans | 0.0356% | 2,692 |
| Credit loss provision to net charge-offs | 452.7027% | 757 |
| Earnings coverage of net charge-offs (x) | 45.0270% | 1,208 |
| Efficiency ratio | 72.0751% | 1,886 |
| Assets per employee ($millions) | 6.0160% | 1,509 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3451% | 1,850 |
| Loan loss allowance to noncurrent loans | 2,020.6897% | 354 |
| Noncurrent assets plus other real estate owned to assets | 0.0502% | 4,593 |
| Noncurrent loans to loans | 0.0666% | 4,453 |
| Net loans and leases to total assets | 74.4172% | 1,861 |
| Net loans and leases to deposits | 82.3181% | 2,692 |
| Net loans and leases to core deposits | 95.9811% | 2,065 |
| Total domestic deposits to total assets | 90.4020% | 352 |
| Equity capital to assets | 9.4418% | 4,178 |
| Core capital (leverage) ratio | 9.7816% | 3,822 |
| Tier 1 risk-based capital ratio | 13.1582% | 3,754 |
| Total risk-based capital ratio | 14.4099% | 3,638 |
| Memoranda: | ||
| Average total assets | $265,207,200 | 2,369 |
| Average earning assets | $248,542,200 | 2,352 |
| Average equity | $25,944,800 | 2,569 |
| Average total loans | $207,869,600 | 2,112 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7574% | 1,527 |
| Cost of funding earning assets | 0.3701% | 4,045 |
| Net interest margin | 4.3872% | 927 |
| Noninterest income to average assets | 0.4278% | 3,300 |
| Noninterest expense to average assets | 3.3374% | 1,227 |
| Loan and lease loss provision to assets | 0.0437% | 3,117 |
| Net operating income to assets | 0.8828% | 3,611 |
| Return on assets (ROA) | 0.8828% | 3,614 |
| Pretax return on assets | 1.1481% | 3,204 |
| Return on Equity (ROE) | 8.9374% | 3,116 |
| Retained earnings to average equity (ytd only) | 8.9374% | 1,243 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6860% | 1,643 |
| Assets per employee ($millions) | 4.9764% | 2,498 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3180% | 2,010 |
| Loan loss allowance to noncurrent loans | 1,202.6201% | 510 |
| Noncurrent assets plus other real estate owned to assets | 0.0852% | 4,547 |
| Noncurrent loans to loans | 0.1096% | 4,400 |
| Net loans and leases to total assets | 76.7345% | 1,549 |
| Net loans and leases to deposits | 85.5735% | 2,410 |
| Net loans and leases to core deposits | 101.5008% | 1,651 |
| Total domestic deposits to total assets | 89.6708% | 610 |
| Equity capital to assets | 9.8852% | 3,751 |
| Core capital (leverage) ratio | 10.0030% | 3,630 |
| Tier 1 risk-based capital ratio | 13.4462% | 3,657 |
| Total risk-based capital ratio | 14.6977% | 3,570 |
| Memoranda: | ||
| Average total assets | $259,317,000 | 2,416 |
| Average earning assets | $242,424,000 | 2,410 |
| Average equity | $25,614,750 | 2,606 |
| Average total loans | $205,381,250 | 2,148 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6934% | 1,522 |
| Cost of funding earning assets | 0.3126% | 4,326 |
| Net interest margin | 4.3808% | 885 |
| Noninterest income to average assets | 0.4106% | 3,420 |
| Noninterest expense to average assets | 3.3718% | 1,176 |
| Loan and lease loss provision to assets | 0.0664% | 2,569 |
| Net operating income to assets | 0.8166% | 3,801 |
| Return on assets (ROA) | 0.8166% | 3,809 |
| Pretax return on assets | 1.0641% | 3,458 |
| Return on Equity (ROE) | 8.2693% | 3,377 |
| Retained earnings to average equity (ytd only) | 8.2693% | 1,507 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8916% | 1,583 |
| Assets per employee ($millions) | 5.4419% | 1,952 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3127% | 2,103 |
| Loan loss allowance to noncurrent loans | 1,669.0909% | 382 |
| Noncurrent assets plus other real estate owned to assets | 0.0606% | 4,717 |
| Noncurrent loans to loans | 0.0786% | 4,560 |
| Net loans and leases to total assets | 76.0947% | 1,624 |
| Net loans and leases to deposits | 84.3896% | 2,489 |
| Net loans and leases to core deposits | 100.6969% | 1,677 |
| Total domestic deposits to total assets | 90.1707% | 518 |
| Equity capital to assets | 9.4868% | 4,119 |
| Core capital (leverage) ratio | 10.1930% | 3,368 |
| Tier 1 risk-based capital ratio | 13.2722% | 3,747 |
| Total risk-based capital ratio | 14.5232% | 3,674 |
| Memoranda: | ||
| Average total assets | $256,181,330 | 2,457 |
| Average earning assets | $239,271,000 | 2,433 |
| Average equity | $25,298,330 | 2,645 |
| Average total loans | $204,189,000 | 2,151 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7184% | 1,266 |
| Cost of funding earning assets | 0.2517% | 4,697 |
| Net interest margin | 4.4667% | 659 |
| Noninterest income to average assets | 0.4029% | 3,448 |
| Noninterest expense to average assets | 3.4582% | 1,069 |
| Loan and lease loss provision to assets | 0.0645% | 2,483 |
| Net operating income to assets | 0.8089% | 3,672 |
| Return on assets (ROA) | 0.8089% | 3,680 |
| Pretax return on assets | 1.0555% | 3,333 |
| Return on Equity (ROE) | 8.0188% | 3,356 |
| Retained earnings to average equity (ytd only) | 8.0188% | 1,825 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5368% | 1,661 |
| Assets per employee ($millions) | 5.2733% | 2,162 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3224% | 2,135 |
| Loan loss allowance to noncurrent loans | 1,539.2045% | 422 |
| Noncurrent assets plus other real estate owned to assets | 0.0695% | 4,743 |
| Noncurrent loans to loans | 0.0859% | 4,601 |
| Net loans and leases to total assets | 79.8601% | 958 |
| Net loans and leases to deposits | 88.9780% | 1,814 |
| Net loans and leases to core deposits | 105.8568% | 1,248 |
| Total domestic deposits to total assets | 89.7526% | 759 |
| Equity capital to assets | 9.9554% | 3,640 |
| Core capital (leverage) ratio | 10.5972% | 2,854 |
| Tier 1 risk-based capital ratio | 13.4565% | 3,685 |
| Total risk-based capital ratio | 14.7084% | 3,601 |
| Memoranda: | ||
| Average total assets | $248,225,000 | 2,532 |
| Average earning assets | $232,028,500 | 2,517 |
| Average equity | $25,041,000 | 2,684 |
| Average total loans | $201,382,000 | 2,184 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4206% | 1,971 |
| Cost of funding earning assets | 0.2052% | 4,903 |
| Net interest margin | 4.2154% | 1,157 |
| Noninterest income to average assets | 0.4961% | 3,026 |
| Noninterest expense to average assets | 3.4767% | 1,073 |
| Loan and lease loss provision to assets | 0.1002% | 2,217 |
| Net operating income to assets | 0.4248% | 4,608 |
| Return on assets (ROA) | 0.4248% | 4,631 |
| Pretax return on assets | 0.8590% | 4,053 |
| Return on Equity (ROE) | 4.0223% | 4,496 |
| Retained earnings to average equity (ytd only) | 4.0223% | 2,782 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.3776% | 1,297 |
| Assets per employee ($millions) | 4.8666% | 2,649 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3486% | 1,979 |
| Loan loss allowance to noncurrent loans | 1,368.7179% | 481 |
| Noncurrent assets plus other real estate owned to assets | 0.0801% | 4,715 |
| Noncurrent loans to loans | 0.0985% | 4,548 |
| Net loans and leases to total assets | 80.2384% | 925 |
| Net loans and leases to deposits | 89.5246% | 1,830 |
| Net loans and leases to core deposits | 104.5539% | 1,373 |
| Total domestic deposits to total assets | 89.6273% | 719 |
| Equity capital to assets | 10.2260% | 3,465 |
| Core capital (leverage) ratio | 10.2620% | 3,112 |
| Tier 1 risk-based capital ratio | 13.7121% | 3,511 |
| Total risk-based capital ratio | 14.9646% | 3,428 |
| Memoranda: | ||
| Average total assets | $232,605,800 | 2,624 |
| Average earning assets | $217,392,800 | 2,606 |
| Average equity | $24,563,200 | 2,706 |
| Average total loans | $175,587,000 | 2,377 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3175% | 2,217 |
| Cost of funding earning assets | 0.1968% | 5,002 |
| Net interest margin | 4.1207% | 1,332 |
| Noninterest income to average assets | 0.5306% | 2,836 |
| Noninterest expense to average assets | 3.4677% | 1,041 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.5776% | 4,469 |
| Return on assets (ROA) | 0.5776% | 4,511 |
| Pretax return on assets | 0.9122% | 3,996 |
| Return on Equity (ROE) | 5.4240% | 4,361 |
| Retained earnings to average equity (ytd only) | 5.4240% | 2,586 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1738% | 1,193 |
| Assets per employee ($millions) | 4.9924% | 2,454 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3119% | 2,301 |
| Loan loss allowance to noncurrent loans | 1,154.5024% | 533 |
| Noncurrent assets plus other real estate owned to assets | 0.0881% | 4,798 |
| Noncurrent loans to loans | 0.1136% | 4,603 |
| Net loans and leases to total assets | 76.4705% | 1,504 |
| Net loans and leases to deposits | 85.7783% | 2,325 |
| Net loans and leases to core deposits | 102.1979% | 1,531 |
| Total domestic deposits to total assets | 89.1489% | 806 |
| Equity capital to assets | 10.4613% | 3,412 |
| Core capital (leverage) ratio | 10.8802% | 2,568 |
| Tier 1 risk-based capital ratio | 14.5300% | 3,165 |
| Total risk-based capital ratio | 15.7820% | 3,079 |
| Memoranda: | ||
| Average total assets | $229,924,500 | 2,667 |
| Average earning assets | $214,778,000 | 2,642 |
| Average equity | $24,483,250 | 2,732 |
| Average total loans | $170,005,250 | 2,436 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2228% | 2,388 |
| Cost of funding earning assets | 0.1926% | 5,049 |
| Net interest margin | 4.0301% | 1,516 |
| Noninterest income to average assets | 0.5823% | 2,547 |
| Noninterest expense to average assets | 3.4197% | 1,128 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.5911% | 4,349 |
| Return on assets (ROA) | 0.5911% | 4,398 |
| Pretax return on assets | 0.9281% | 3,840 |
| Return on Equity (ROE) | 5.5171% | 4,261 |
| Retained earnings to average equity (ytd only) | 5.5171% | 2,398 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.6526% | 1,374 |
| Assets per employee ($millions) | 5.0568% | 2,325 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4232% | 1,847 |
| Loan loss allowance to noncurrent loans | 1,073.1278% | 551 |
| Noncurrent assets plus other real estate owned to assets | 0.3508% | 3,718 |
| Noncurrent loans to loans | 0.1326% | 4,588 |
| Net loans and leases to total assets | 72.5380% | 2,117 |
| Net loans and leases to deposits | 81.4395% | 2,752 |
| Net loans and leases to core deposits | 93.6874% | 2,184 |
| Total domestic deposits to total assets | 89.0698% | 922 |
| Equity capital to assets | 10.6301% | 3,195 |
| Core capital (leverage) ratio | 10.9565% | 2,455 |
| Tier 1 risk-based capital ratio | 14.9809% | 2,935 |
| Total risk-based capital ratio | 16.2338% | 2,867 |
| Memoranda: | ||
| Average total assets | $226,687,670 | 2,710 |
| Average earning assets | $211,803,670 | 2,681 |
| Average equity | $24,288,000 | 2,749 |
| Average total loans | $164,778,330 | 2,500 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1602% | 2,430 |
| Cost of funding earning assets | 0.1914% | 5,054 |
| Net interest margin | 3.9689% | 1,552 |
| Noninterest income to average assets | 0.8063% | 1,527 |
| Noninterest expense to average assets | 3.4238% | 1,151 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.6973% | 3,721 |
| Return on assets (ROA) | 0.6973% | 3,759 |
| Pretax return on assets | 1.0906% | 3,024 |
| Return on Equity (ROE) | 6.4815% | 3,675 |
| Retained earnings to average equity (ytd only) | 6.4815% | 2,091 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8416% | 1,930 |
| Assets per employee ($millions) | 5.1563% | 2,232 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4925% | 1,722 |
| Loan loss allowance to noncurrent loans | 1,006.6116% | 603 |
| Noncurrent assets plus other real estate owned to assets | 0.3663% | 3,733 |
| Noncurrent loans to loans | 0.1483% | 4,593 |
| Net loans and leases to total assets | 70.8655% | 2,240 |
| Net loans and leases to deposits | 79.6507% | 2,797 |
| Net loans and leases to core deposits | 91.7118% | 2,193 |
| Total domestic deposits to total assets | 88.9703% | 1,156 |
| Equity capital to assets | 10.7017% | 2,960 |
| Core capital (leverage) ratio | 11.2801% | 2,120 |
| Tier 1 risk-based capital ratio | 15.7246% | 2,652 |
| Total risk-based capital ratio | 16.9788% | 2,597 |
| Memoranda: | ||
| Average total assets | $223,725,500 | 2,760 |
| Average earning assets | $209,027,000 | 2,736 |
| Average equity | $24,068,500 | 2,783 |
| Average total loans | $161,583,500 | 2,557 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4296% | 1,747 |
| Cost of funding earning assets | 0.1864% | 5,146 |
| Net interest margin | 4.2431% | 1,026 |
| Noninterest income to average assets | 0.3732% | 4,078 |
| Noninterest expense to average assets | 3.4889% | 1,182 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.5331% | 4,501 |
| Return on assets (ROA) | 0.5331% | 4,591 |
| Pretax return on assets | 0.8521% | 4,005 |
| Return on Equity (ROE) | 4.7848% | 4,523 |
| Retained earnings to average equity (ytd only) | 4.7848% | 2,486 |
| Net charge-offs to loans | -0.0145% | 5,041 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.3718% | 1,377 |
| Assets per employee ($millions) | 5.1296% | 2,251 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5230% | 1,588 |
| Loan loss allowance to noncurrent loans | 951.5625% | 639 |
| Noncurrent assets plus other real estate owned to assets | 0.6506% | 2,779 |
| Noncurrent loans to loans | 0.1600% | 4,592 |
| Net loans and leases to total assets | 71.4125% | 2,257 |
| Net loans and leases to deposits | 80.1726% | 2,868 |
| Net loans and leases to core deposits | 93.5702% | 2,149 |
| Total domestic deposits to total assets | 89.0734% | 1,082 |
| Equity capital to assets | 10.8160% | 2,798 |
| Core capital (leverage) ratio | 11.1765% | 2,185 |
| Tier 1 risk-based capital ratio | 15.4148% | 2,784 |
| Total risk-based capital ratio | 16.6688% | 2,718 |
| Memoranda: | ||
| Average total assets | $208,202,200 | 2,872 |
| Average earning assets | $194,691,800 | 2,855 |
| Average equity | $23,198,400 | 2,873 |
| Average total loans | $158,432,600 | 2,537 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4875% | 1,583 |
| Cost of funding earning assets | 0.1848% | 5,223 |
| Net interest margin | 4.3026% | 922 |
| Noninterest income to average assets | 0.3666% | 4,154 |
| Noninterest expense to average assets | 3.5369% | 1,084 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.5428% | 4,529 |
| Return on assets (ROA) | 0.5428% | 4,631 |
| Pretax return on assets | 0.8548% | 4,140 |
| Return on Equity (ROE) | 4.8334% | 4,587 |
| Retained earnings to average equity (ytd only) | 4.8334% | 2,935 |
| Net charge-offs to loans | -0.0211% | 5,020 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.5358% | 1,370 |
| Assets per employee ($millions) | 4.8734% | 2,536 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4824% | 1,828 |
| Loan loss allowance to noncurrent loans | 852.4476% | 672 |
| Noncurrent assets plus other real estate owned to assets | 0.6991% | 2,815 |
| Noncurrent loans to loans | 0.1739% | 4,654 |
| Net loans and leases to total assets | 77.3193% | 1,304 |
| Net loans and leases to deposits | 87.6182% | 2,065 |
| Net loans and leases to core deposits | 102.5130% | 1,445 |
| Total domestic deposits to total assets | 88.2457% | 1,270 |
| Equity capital to assets | 11.3754% | 2,625 |
| Core capital (leverage) ratio | 11.4862% | 2,046 |
| Tier 1 risk-based capital ratio | 14.9222% | 3,088 |
| Total risk-based capital ratio | 16.1755% | 3,013 |
| Memoranda: | ||
| Average total assets | $205,109,750 | 2,914 |
| Average earning assets | $191,878,000 | 2,891 |
| Average equity | $23,033,750 | 2,906 |
| Average total loans | $158,052,750 | 2,548 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5317% | 1,426 |
| Cost of funding earning assets | 0.1795% | 5,325 |
| Net interest margin | 4.3521% | 846 |
| Noninterest income to average assets | 0.3585% | 4,204 |
| Noninterest expense to average assets | 3.5319% | 1,112 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.5726% | 4,388 |
| Return on assets (ROA) | 0.5726% | 4,514 |
| Pretax return on assets | 0.8977% | 3,962 |
| Return on Equity (ROE) | 5.1217% | 4,458 |
| Retained earnings to average equity (ytd only) | 5.1217% | 2,648 |
| Net charge-offs to loans | -0.0321% | 5,155 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7339% | 1,525 |
| Assets per employee ($millions) | 4.6841% | 2,744 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5116% | 1,816 |
| Loan loss allowance to noncurrent loans | 840.6897% | 685 |
| Noncurrent assets plus other real estate owned to assets | 0.7128% | 2,842 |
| Noncurrent loans to loans | 0.1798% | 4,714 |
| Net loans and leases to total assets | 77.0727% | 1,326 |
| Net loans and leases to deposits | 87.2838% | 2,098 |
| Net loans and leases to core deposits | 103.2212% | 1,382 |
| Total domestic deposits to total assets | 88.3013% | 1,274 |
| Equity capital to assets | 11.3955% | 2,646 |
| Core capital (leverage) ratio | 11.5229% | 1,976 |
| Tier 1 risk-based capital ratio | 14.9312% | 3,103 |
| Total risk-based capital ratio | 16.1850% | 3,049 |
| Memoranda: | ||
| Average total assets | $203,627,330 | 2,943 |
| Average earning assets | $190,482,000 | 2,921 |
| Average equity | $22,765,670 | 2,945 |
| Average total loans | $155,915,000 | 2,578 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5082% | 1,483 |
| Cost of funding earning assets | 0.1769% | 5,402 |
| Net interest margin | 4.3313% | 866 |
| Noninterest income to average assets | 0.3360% | 4,329 |
| Noninterest expense to average assets | 3.5258% | 1,142 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.5593% | 4,371 |
| Return on assets (ROA) | 0.5593% | 4,476 |
| Pretax return on assets | 0.8755% | 3,953 |
| Return on Equity (ROE) | 5.0523% | 4,458 |
| Retained earnings to average equity (ytd only) | 5.0523% | 2,906 |
| Net charge-offs to loans | -0.0392% | 5,198 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.1078% | 1,593 |
| Assets per employee ($millions) | 4.9499% | 2,396 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5588% | 1,753 |
| Loan loss allowance to noncurrent loans | 775.7188% | 703 |
| Noncurrent assets plus other real estate owned to assets | 0.7352% | 2,877 |
| Noncurrent loans to loans | 0.2009% | 4,698 |
| Net loans and leases to total assets | 75.5546% | 1,464 |
| Net loans and leases to deposits | 85.2301% | 2,167 |
| Net loans and leases to core deposits | 100.4718% | 1,446 |
| Total domestic deposits to total assets | 88.6477% | 1,276 |
| Equity capital to assets | 11.1192% | 2,811 |
| Core capital (leverage) ratio | 11.4054% | 2,047 |
| Tier 1 risk-based capital ratio | 14.7157% | 3,279 |
| Total risk-based capital ratio | 15.9698% | 3,222 |
| Memoranda: | ||
| Average total assets | $202,391,500 | 2,961 |
| Average earning assets | $189,964,000 | 2,931 |
| Average equity | $22,405,500 | 2,978 |
| Average total loans | $153,230,500 | 2,605 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4435% | 1,762 |
| Cost of funding earning assets | 0.1543% | 5,656 |
| Net interest margin | 4.2893% | 980 |
| Noninterest income to average assets | 0.5505% | 3,007 |
| Noninterest expense to average assets | 3.8307% | 832 |
| Loan and lease loss provision to assets | -0.2152% | 6,000 |
| Net operating income to assets | 0.9906% | 2,415 |
| Return on assets (ROA) | 0.9906% | 2,506 |
| Pretax return on assets | 0.9444% | 3,677 |
| Return on Equity (ROE) | 8.7759% | 2,575 |
| Retained earnings to average equity (ytd only) | 8.7759% | 712 |
| Net charge-offs to loans | -0.0479% | 5,536 |
| Credit loss provision to net charge-offs | 606.0606% | 555 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.0099% | 1,179 |
| Assets per employee ($millions) | 5.0459% | 2,313 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6012% | 1,612 |
| Loan loss allowance to noncurrent loans | 675.9104% | 843 |
| Noncurrent assets plus other real estate owned to assets | 0.7610% | 2,786 |
| Noncurrent loans to loans | 0.2369% | 4,577 |
| Net loans and leases to total assets | 73.4677% | 1,814 |
| Net loans and leases to deposits | 82.6639% | 2,515 |
| Net loans and leases to core deposits | 98.1994% | 1,657 |
| Total domestic deposits to total assets | 88.8752% | 1,189 |
| Equity capital to assets | 11.0213% | 2,797 |
| Core capital (leverage) ratio | 11.2396% | 2,169 |
| Tier 1 risk-based capital ratio | 15.1191% | 3,123 |
| Total risk-based capital ratio | 16.3735% | 3,049 |
| Memoranda: | ||
| Average total assets | $185,839,800 | 3,105 |
| Average earning assets | $173,712,600 | 3,069 |
| Average equity | $20,977,800 | 3,073 |
| Average total loans | $137,658,400 | 2,756 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4740% | 1,676 |
| Cost of funding earning assets | 0.1478% | 5,794 |
| Net interest margin | 4.3261% | 916 |
| Noninterest income to average assets | 0.3571% | 4,385 |
| Noninterest expense to average assets | 3.8509% | 787 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.5404% | 4,630 |
| Return on assets (ROA) | 0.5404% | 4,726 |
| Pretax return on assets | 0.5404% | 5,127 |
| Return on Equity (ROE) | 4.7560% | 4,733 |
| Retained earnings to average equity (ytd only) | 4.7560% | 3,084 |
| Net charge-offs to loans | -0.0387% | 5,453 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.6941% | 875 |
| Assets per employee ($millions) | 4.6920% | 2,720 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9156% | 1,039 |
| Loan loss allowance to noncurrent loans | 731.2336% | 744 |
| Noncurrent assets plus other real estate owned to assets | 0.8312% | 2,795 |
| Noncurrent loans to loans | 0.2620% | 4,640 |
| Net loans and leases to total assets | 76.0066% | 1,387 |
| Net loans and leases to deposits | 86.0275% | 2,135 |
| Net loans and leases to core deposits | 102.2735% | 1,364 |
| Total domestic deposits to total assets | 88.3515% | 1,379 |
| Equity capital to assets | 11.2563% | 2,746 |
| Core capital (leverage) ratio | 11.5231% | 2,017 |
| Tier 1 risk-based capital ratio | 14.7390% | 3,419 |
| Total risk-based capital ratio | 15.9975% | 3,365 |
| Memoranda: | ||
| Average total assets | $181,840,500 | 3,167 |
| Average earning assets | $169,569,250 | 3,158 |
| Average equity | $20,661,000 | 3,132 |
| Average total loans | $134,398,500 | 2,827 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4053% | 1,837 |
| Cost of funding earning assets | 0.1432% | 5,903 |
| Net interest margin | 4.2620% | 993 |
| Noninterest income to average assets | 0.3569% | 4,405 |
| Noninterest expense to average assets | 3.9034% | 761 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.4236% | 5,071 |
| Return on assets (ROA) | 0.4236% | 5,172 |
| Pretax return on assets | 0.4236% | 5,419 |
| Return on Equity (ROE) | 3.7160% | 5,134 |
| Retained earnings to average equity (ytd only) | 3.7160% | 3,659 |
| Net charge-offs to loans | -0.0382% | 5,430 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.2107% | 735 |
| Assets per employee ($millions) | 4.4600% | 3,046 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0422% | 920 |
| Loan loss allowance to noncurrent loans | 684.4444% | 785 |
| Noncurrent assets plus other real estate owned to assets | 0.8662% | 2,815 |
| Noncurrent loans to loans | 0.2984% | 4,619 |
| Net loans and leases to total assets | 72.7136% | 1,860 |
| Net loans and leases to deposits | 82.2690% | 2,521 |
| Net loans and leases to core deposits | 93.5128% | 2,007 |
| Total domestic deposits to total assets | 88.3851% | 1,448 |
| Equity capital to assets | 11.3229% | 2,554 |
| Core capital (leverage) ratio | 11.1132% | 2,320 |
| Tier 1 risk-based capital ratio | 14.9006% | 3,413 |
| Total risk-based capital ratio | 16.1625% | 3,338 |
| Memoranda: | ||
| Average total assets | $179,893,670 | 3,217 |
| Average earning assets | $167,572,330 | 3,204 |
| Average equity | $20,506,000 | 3,163 |
| Average total loans | $130,719,330 | 2,898 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3413% | 1,965 |
| Cost of funding earning assets | 0.1421% | 5,984 |
| Net interest margin | 4.1992% | 1,060 |
| Noninterest income to average assets | 0.3408% | 4,470 |
| Noninterest expense to average assets | 3.8765% | 798 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.3722% | 5,177 |
| Return on assets (ROA) | 0.3722% | 5,297 |
| Pretax return on assets | 0.3722% | 5,491 |
| Return on Equity (ROE) | 3.2539% | 5,282 |
| Retained earnings to average equity (ytd only) | 3.2539% | 4,036 |
| Net charge-offs to loans | -0.0468% | 5,486 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.2401% | 760 |
| Assets per employee ($millions) | 4.3738% | 3,243 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1319% | 881 |
| Loan loss allowance to noncurrent loans | 633.4862% | 805 |
| Noncurrent assets plus other real estate owned to assets | 0.9006% | 2,833 |
| Noncurrent loans to loans | 0.3365% | 4,580 |
| Net loans and leases to total assets | 70.7061% | 2,040 |
| Net loans and leases to deposits | 80.0223% | 2,556 |
| Net loans and leases to core deposits | 91.1793% | 2,013 |
| Total domestic deposits to total assets | 88.3579% | 1,627 |
| Equity capital to assets | 11.4368% | 2,525 |
| Core capital (leverage) ratio | 11.2798% | 2,170 |
| Tier 1 risk-based capital ratio | 15.6190% | 3,094 |
| Total risk-based capital ratio | 16.8799% | 3,027 |
| Memoranda: | ||
| Average total assets | $178,410,500 | 3,259 |
| Average earning assets | $166,033,000 | 3,234 |
| Average equity | $20,406,500 | 3,186 |
| Average total loans | $128,211,000 | 2,944 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4671% | 2,003 |
| Cost of funding earning assets | 0.1659% | 6,003 |
| Net interest margin | 4.3012% | 1,059 |
| Noninterest income to average assets | 0.6315% | 2,667 |
| Noninterest expense to average assets | 3.7904% | 999 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.8276% | 3,236 |
| Return on assets (ROA) | 0.8276% | 3,329 |
| Pretax return on assets | 0.8276% | 4,153 |
| Return on Equity (ROE) | 7.5922% | 3,330 |
| Retained earnings to average equity (ytd only) | 7.5922% | 1,162 |
| Net charge-offs to loans | -0.0008% | 5,332 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.0788% | 1,652 |
| Assets per employee ($millions) | 4.3292% | 3,312 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1653% | 866 |
| Loan loss allowance to noncurrent loans | 599.7817% | 924 |
| Noncurrent assets plus other real estate owned to assets | 0.9223% | 2,909 |
| Noncurrent loans to loans | 0.3610% | 4,572 |
| Net loans and leases to total assets | 69.9279% | 2,249 |
| Net loans and leases to deposits | 79.0830% | 2,824 |
| Net loans and leases to core deposits | 89.4236% | 2,341 |
| Total domestic deposits to total assets | 88.4235% | 1,553 |
| Equity capital to assets | 11.4391% | 2,484 |
| Core capital (leverage) ratio | 11.3506% | 2,090 |
| Tier 1 risk-based capital ratio | 16.9791% | 2,525 |
| Total risk-based capital ratio | 18.2419% | 2,477 |
| Memoranda: | ||
| Average total assets | $177,501,800 | 3,237 |
| Average earning assets | $164,512,800 | 3,222 |
| Average equity | $19,348,800 | 3,239 |
| Average total loans | $130,032,200 | 2,868 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5156% | 1,816 |
| Cost of funding earning assets | 0.1703% | 6,058 |
| Net interest margin | 4.3453% | 964 |
| Noninterest income to average assets | 0.3418% | 4,708 |
| Noninterest expense to average assets | 3.8015% | 971 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.5649% | 4,613 |
| Return on assets (ROA) | 0.5649% | 4,684 |
| Pretax return on assets | 0.5649% | 5,143 |
| Return on Equity (ROE) | 5.2467% | 4,602 |
| Retained earnings to average equity (ytd only) | 5.2467% | 2,920 |
| Net charge-offs to loans | -0.0316% | 5,757 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.0635% | 1,088 |
| Assets per employee ($millions) | 4.4178% | 3,109 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1547% | 1,013 |
| Loan loss allowance to noncurrent loans | 501.2635% | 965 |
| Noncurrent assets plus other real estate owned to assets | 0.6316% | 3,935 |
| Noncurrent loans to loans | 0.4299% | 4,613 |
| Net loans and leases to total assets | 69.6202% | 2,252 |
| Net loans and leases to deposits | 78.5263% | 2,892 |
| Net loans and leases to core deposits | 89.0112% | 2,324 |
| Total domestic deposits to total assets | 88.6584% | 1,419 |
| Equity capital to assets | 10.7779% | 3,208 |
| Core capital (leverage) ratio | 11.1909% | 2,317 |
| Tier 1 risk-based capital ratio | 16.2991% | 2,905 |
| Total risk-based capital ratio | 17.5623% | 2,849 |
| Memoranda: | ||
| Average total assets | $177,503,000 | 3,267 |
| Average earning assets | $164,405,250 | 3,254 |
| Average equity | $19,110,000 | 3,283 |
| Average total loans | $130,823,500 | 2,857 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5642% | 1,633 |
| Cost of funding earning assets | 0.1721% | 6,121 |
| Net interest margin | 4.3921% | 861 |
| Noninterest income to average assets | 0.3142% | 4,902 |
| Noninterest expense to average assets | 3.8152% | 949 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.5525% | 4,589 |
| Return on assets (ROA) | 0.5525% | 4,690 |
| Pretax return on assets | 0.5525% | 5,128 |
| Return on Equity (ROE) | 5.1337% | 4,614 |
| Retained earnings to average equity (ytd only) | 5.1337% | 2,876 |
| Net charge-offs to loans | -0.0319% | 5,708 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.3506% | 1,149 |
| Assets per employee ($millions) | 4.1998% | 3,461 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1015% | 1,171 |
| Loan loss allowance to noncurrent loans | 480.3819% | 965 |
| Noncurrent assets plus other real estate owned to assets | 0.6772% | 3,964 |
| Noncurrent loans to loans | 0.4375% | 4,677 |
| Net loans and leases to total assets | 74.8576% | 1,323 |
| Net loans and leases to deposits | 85.2320% | 1,896 |
| Net loans and leases to core deposits | 96.9165% | 1,526 |
| Total domestic deposits to total assets | 87.8281% | 2,014 |
| Equity capital to assets | 11.1829% | 2,710 |
| Core capital (leverage) ratio | 11.0508% | 2,370 |
| Tier 1 risk-based capital ratio | 15.4236% | 3,396 |
| Total risk-based capital ratio | 16.6857% | 3,332 |
| Memoranda: | ||
| Average total assets | $176,294,000 | 3,291 |
| Average earning assets | $162,701,330 | 3,286 |
| Average equity | $18,972,670 | 3,291 |
| Average total loans | $131,471,330 | 2,848 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5005% | 1,808 |
| Cost of funding earning assets | 0.1726% | 6,211 |
| Net interest margin | 4.3279% | 948 |
| Noninterest income to average assets | 0.3028% | 4,930 |
| Noninterest expense to average assets | 3.6648% | 1,187 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.6302% | 4,043 |
| Return on assets (ROA) | 0.6302% | 4,133 |
| Pretax return on assets | 0.6302% | 4,724 |
| Return on Equity (ROE) | 5.9689% | 4,044 |
| Retained earnings to average equity (ytd only) | 5.9689% | 2,565 |
| Net charge-offs to loans | -0.0304% | 5,564 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.3264% | 1,511 |
| Assets per employee ($millions) | 4.2189% | 3,489 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0820% | 1,364 |
| Loan loss allowance to noncurrent loans | 84.5140% | 4,032 |
| Noncurrent assets plus other real estate owned to assets | 2.1733% | 1,530 |
| Noncurrent loans to loans | 2.4635% | 1,411 |
| Net loans and leases to total assets | 73.1486% | 1,406 |
| Net loans and leases to deposits | 82.8063% | 1,973 |
| Net loans and leases to core deposits | 94.6924% | 1,494 |
| Total domestic deposits to total assets | 88.3371% | 2,033 |
| Equity capital to assets | 10.7346% | 2,999 |
| Core capital (leverage) ratio | 10.9918% | 2,400 |
| Tier 1 risk-based capital ratio | 14.9691% | 3,727 |
| Total risk-based capital ratio | 16.2302% | 3,672 |
| Memoranda: | ||
| Average total assets | $178,345,500 | 3,296 |
| Average earning assets | $164,514,500 | 3,284 |
| Average equity | $18,831,000 | 3,304 |
| Average total loans | $131,374,500 | 2,857 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6161% | 1,819 |
| Cost of funding earning assets | 0.1937% | 6,319 |
| Net interest margin | 4.4224% | 874 |
| Noninterest income to average assets | 0.3277% | 4,992 |
| Noninterest expense to average assets | 3.7272% | 1,245 |
| Loan and lease loss provision to assets | 0.0408% | 4,303 |
| Net operating income to assets | 0.7936% | 3,321 |
| Return on assets (ROA) | 0.7936% | 3,419 |
| Pretax return on assets | 0.6236% | 4,793 |
| Return on Equity (ROE) | 7.7526% | 3,168 |
| Retained earnings to average equity (ytd only) | 7.7526% | 1,136 |
| Net charge-offs to loans | -0.2297% | 6,636 |
| Credit loss provision to net charge-offs | -24.4068% | 5,726 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.8716% | 1,531 |
| Assets per employee ($millions) | 4.4874% | 2,927 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1062% | 1,322 |
| Loan loss allowance to noncurrent loans | 97.0318% | 3,691 |
| Noncurrent assets plus other real estate owned to assets | 1.9053% | 1,899 |
| Noncurrent loans to loans | 2.1706% | 1,806 |
| Net loans and leases to total assets | 71.1054% | 1,822 |
| Net loans and leases to deposits | 80.1240% | 2,442 |
| Net loans and leases to core deposits | 90.7354% | 1,936 |
| Total domestic deposits to total assets | 88.7441% | 1,782 |
| Equity capital to assets | 10.3851% | 3,304 |
| Core capital (leverage) ratio | 10.6376% | 2,745 |
| Tier 1 risk-based capital ratio | 14.6412% | 3,875 |
| Total risk-based capital ratio | 15.9019% | 3,810 |
| Memoranda: | ||
| Average total assets | $176,406,200 | 3,317 |
| Average earning assets | $162,107,400 | 3,313 |
| Average equity | $18,058,400 | 3,407 |
| Average total loans | $128,403,800 | 2,885 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6080% | 1,877 |
| Cost of funding earning assets | 0.1975% | 6,407 |
| Net interest margin | 4.4104% | 870 |
| Noninterest income to average assets | 0.3454% | 4,927 |
| Noninterest expense to average assets | 3.7600% | 1,145 |
| Loan and lease loss provision to assets | 0.0547% | 3,943 |
| Net operating income to assets | 0.8100% | 3,296 |
| Return on assets (ROA) | 0.8100% | 3,429 |
| Pretax return on assets | 0.5823% | 5,087 |
| Return on Equity (ROE) | 7.9420% | 3,150 |
| Retained earnings to average equity (ytd only) | 7.9420% | 1,430 |
| Net charge-offs to loans | -0.2960% | 6,723 |
| Credit loss provision to net charge-offs | -25.3521% | 5,651 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.5145% | 1,413 |
| Assets per employee ($millions) | 4.7378% | 2,527 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0758% | 1,557 |
| Loan loss allowance to noncurrent loans | 93.4404% | 3,645 |
| Noncurrent assets plus other real estate owned to assets | 2.0063% | 2,010 |
| Noncurrent loans to loans | 2.2215% | 1,991 |
| Net loans and leases to total assets | 73.6000% | 1,349 |
| Net loans and leases to deposits | 83.2795% | 1,966 |
| Net loans and leases to core deposits | 95.7157% | 1,416 |
| Total domestic deposits to total assets | 88.3770% | 1,906 |
| Equity capital to assets | 10.4878% | 3,292 |
| Core capital (leverage) ratio | 10.6082% | 2,884 |
| Tier 1 risk-based capital ratio | 14.5654% | 4,036 |
| Total risk-based capital ratio | 15.8268% | 3,981 |
| Memoranda: | ||
| Average total assets | $175,633,500 | 3,353 |
| Average earning assets | $161,340,000 | 3,345 |
| Average equity | $17,912,750 | 3,471 |
| Average total loans | $127,910,250 | 2,912 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5725% | 1,935 |
| Cost of funding earning assets | 0.1993% | 6,474 |
| Net interest margin | 4.3732% | 896 |
| Noninterest income to average assets | 0.3755% | 4,706 |
| Noninterest expense to average assets | 3.8112% | 1,075 |
| Loan and lease loss provision to assets | 0.0819% | 3,425 |
| Net operating income to assets | 0.8444% | 3,077 |
| Return on assets (ROA) | 0.8444% | 3,227 |
| Pretax return on assets | 0.5030% | 5,364 |
| Return on Equity (ROE) | 8.3581% | 2,914 |
| Retained earnings to average equity (ytd only) | 8.3581% | 1,346 |
| Net charge-offs to loans | -0.0663% | 6,367 |
| Credit loss provision to net charge-offs | -171.4286% | 5,706 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.6943% | 1,344 |
| Assets per employee ($millions) | 4.3951% | 2,997 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9728% | 1,911 |
| Loan loss allowance to noncurrent loans | 83.2387% | 3,936 |
| Noncurrent assets plus other real estate owned to assets | 2.0915% | 2,066 |
| Noncurrent loans to loans | 2.3700% | 1,994 |
| Net loans and leases to total assets | 72.2694% | 1,523 |
| Net loans and leases to deposits | 81.7908% | 2,084 |
| Net loans and leases to core deposits | 93.8178% | 1,530 |
| Total domestic deposits to total assets | 88.3589% | 2,006 |
| Equity capital to assets | 10.5274% | 3,262 |
| Core capital (leverage) ratio | 10.3274% | 3,070 |
| Tier 1 risk-based capital ratio | 14.5319% | 4,082 |
| Total risk-based capital ratio | 15.7908% | 4,048 |
| Memoranda: | ||
| Average total assets | $175,745,000 | 3,365 |
| Average earning assets | $161,576,330 | 3,369 |
| Average equity | $17,755,330 | 3,521 |
| Average total loans | $126,628,670 | 2,945 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7776% | 1,333 |
| Cost of funding earning assets | 0.1979% | 6,582 |
| Net interest margin | 4.5796% | 579 |
| Noninterest income to average assets | 0.3327% | 5,035 |
| Noninterest expense to average assets | 3.6962% | 1,251 |
| Loan and lease loss provision to assets | 0.0809% | 3,298 |
| Net operating income to assets | 0.7689% | 3,337 |
| Return on assets (ROA) | 0.7689% | 3,477 |
| Pretax return on assets | 0.7689% | 4,299 |
| Return on Equity (ROE) | 7.7681% | 3,089 |
| Retained earnings to average equity (ytd only) | 7.7681% | 1,834 |
| Net charge-offs to loans | -0.0568% | 6,184 |
| Credit loss provision to net charge-offs | -200.0000% | 5,255 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.3056% | 2,152 |
| Assets per employee ($millions) | 4.4411% | 3,075 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9139% | 2,266 |
| Loan loss allowance to noncurrent loans | 1,655.1020% | 310 |
| Noncurrent assets plus other real estate owned to assets | 0.4149% | 5,360 |
| Noncurrent loans to loans | 0.1156% | 6,125 |
| Net loans and leases to total assets | 70.1898% | 1,627 |
| Net loans and leases to deposits | 78.8825% | 2,229 |
| Net loans and leases to core deposits | 89.7953% | 1,718 |
| Total domestic deposits to total assets | 88.9802% | 1,697 |
| Equity capital to assets | 10.0150% | 4,133 |
| Core capital (leverage) ratio | 10.2111% | 3,131 |
| Tier 1 risk-based capital ratio | 13.5260% | 4,851 |
| Total risk-based capital ratio | 14.7834% | 4,801 |
| Memoranda: | ||
| Average total assets | $177,912,500 | 3,368 |
| Average earning assets | $163,682,000 | 3,377 |
| Average equity | $17,610,500 | 3,578 |
| Average total loans | $126,758,000 | 2,953 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7994% | 2,202 |
| Cost of funding earning assets | 0.2328% | 6,743 |
| Net interest margin | 4.5667% | 834 |
| Noninterest income to average assets | 0.4801% | 4,041 |
| Noninterest expense to average assets | 4.6311% | 504 |
| Loan and lease loss provision to assets | 1.5558% | 197 |
| Net operating income to assets | -1.5360% | 6,867 |
| Return on assets (ROA) | -1.5360% | 6,878 |
| Pretax return on assets | -1.5360% | 6,857 |
| Return on Equity (ROE) | -15.0369% | 6,823 |
| Retained earnings to average equity (ytd only) | -15.0369% | 6,773 |
| Net charge-offs to loans | 2.7393% | 205 |
| Credit loss provision to net charge-offs | 82.1108% | 3,761 |
| Earnings coverage of net charge-offs (x) | 0.0104% | 5,479 |
| Efficiency ratio | 99.5748% | 577 |
| Assets per employee ($millions) | 4.5687% | 2,841 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8822% | 2,344 |
| Loan loss allowance to noncurrent loans | 1,515.2866% | 335 |
| Noncurrent assets plus other real estate owned to assets | 0.4192% | 5,440 |
| Noncurrent loans to loans | 0.1242% | 6,168 |
| Net loans and leases to total assets | 69.6011% | 1,920 |
| Net loans and leases to deposits | 79.6675% | 2,331 |
| Net loans and leases to core deposits | 88.4634% | 2,035 |
| Total domestic deposits to total assets | 87.3645% | 2,605 |
| Equity capital to assets | 9.7822% | 4,478 |
| Core capital (leverage) ratio | 9.5983% | 3,966 |
| Tier 1 risk-based capital ratio | 13.1810% | 4,978 |
| Total risk-based capital ratio | 14.4377% | 4,914 |
| Memoranda: | ||
| Average total assets | $182,031,200 | 3,286 |
| Average earning assets | $166,248,400 | 3,287 |
| Average equity | $18,594,200 | 3,384 |
| Average total loans | $125,909,400 | 2,959 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7674% | 2,519 |
| Cost of funding earning assets | 0.2470% | 6,820 |
| Net interest margin | 4.5203% | 952 |
| Noninterest income to average assets | 0.6914% | 2,747 |
| Noninterest expense to average assets | 4.7206% | 457 |
| Loan and lease loss provision to assets | 2.0262% | 116 |
| Net operating income to assets | -1.9359% | 7,029 |
| Return on assets (ROA) | -1.9359% | 7,040 |
| Pretax return on assets | -1.9359% | 7,021 |
| Return on Equity (ROE) | -18.7584% | 6,976 |
| Retained earnings to average equity (ytd only) | -18.7584% | 6,958 |
| Net charge-offs to loans | 3.6706% | 111 |
| Credit loss provision to net charge-offs | 80.3061% | 3,605 |
| Earnings coverage of net charge-offs (x) | 0.0358% | 5,314 |
| Efficiency ratio | 98.1221% | 600 |
| Assets per employee ($millions) | 4.5471% | 2,829 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8920% | 2,505 |
| Loan loss allowance to noncurrent loans | 588.8041% | 664 |
| Noncurrent assets plus other real estate owned to assets | 2.1239% | 2,522 |
| Noncurrent loans to loans | 0.3213% | 5,836 |
| Net loans and leases to total assets | 65.9723% | 2,653 |
| Net loans and leases to deposits | 75.4588% | 3,068 |
| Net loans and leases to core deposits | 84.0199% | 2,695 |
| Total domestic deposits to total assets | 87.4283% | 2,401 |
| Equity capital to assets | 9.6562% | 4,980 |
| Core capital (leverage) ratio | 9.5658% | 4,168 |
| Tier 1 risk-based capital ratio | 13.3876% | 4,962 |
| Total risk-based capital ratio | 14.6442% | 4,914 |
| Memoranda: | ||
| Average total assets | $182,993,750 | 3,300 |
| Average earning assets | $166,768,750 | 3,312 |
| Average equity | $18,885,250 | 3,377 |
| Average total loans | $125,788,000 | 3,001 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7455% | 2,737 |
| Cost of funding earning assets | 0.2641% | 6,861 |
| Net interest margin | 4.4814% | 1,026 |
| Noninterest income to average assets | 0.8028% | 2,162 |
| Noninterest expense to average assets | 5.2431% | 323 |
| Loan and lease loss provision to assets | 2.9242% | 66 |
| Net operating income to assets | -3.2744% | 7,166 |
| Return on assets (ROA) | -3.2744% | 7,166 |
| Pretax return on assets | -3.2744% | 7,157 |
| Return on Equity (ROE) | -31.0670% | 7,111 |
| Retained earnings to average equity (ytd only) | -31.0670% | 7,100 |
| Net charge-offs to loans | 5.4762% | 48 |
| Credit loss provision to net charge-offs | 77.1289% | 3,402 |
| Earnings coverage of net charge-offs (x) | -0.0923% | 5,125 |
| Efficiency ratio | 107.1556% | 376 |
| Assets per employee ($millions) | 4.5683% | 2,773 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7605% | 2,982 |
| Loan loss allowance to noncurrent loans | 465.3277% | 774 |
| Noncurrent assets plus other real estate owned to assets | 2.1737% | 2,570 |
| Noncurrent loans to loans | 0.3783% | 5,782 |
| Net loans and leases to total assets | 67.2146% | 2,421 |
| Net loans and leases to deposits | 76.7196% | 2,884 |
| Net loans and leases to core deposits | 85.9604% | 2,432 |
| Total domestic deposits to total assets | 87.6108% | 2,394 |
| Equity capital to assets | 9.4160% | 5,172 |
| Core capital (leverage) ratio | 9.3409% | 4,388 |
| Tier 1 risk-based capital ratio | 13.1647% | 5,065 |
| Total risk-based capital ratio | 14.4187% | 5,039 |
| Memoranda: | ||
| Average total assets | $183,363,670 | 3,308 |
| Average earning assets | $167,357,000 | 3,306 |
| Average equity | $19,326,000 | 3,305 |
| Average total loans | $126,948,330 | 2,981 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7322% | 2,920 |
| Cost of funding earning assets | 0.2859% | 6,883 |
| Net interest margin | 4.4463% | 1,118 |
| Noninterest income to average assets | 1.1389% | 1,088 |
| Noninterest expense to average assets | 4.3227% | 641 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.8798% | 3,020 |
| Return on assets (ROA) | 0.8798% | 3,242 |
| Pretax return on assets | 0.8798% | 4,109 |
| Return on Equity (ROE) | 7.9270% | 3,314 |
| Retained earnings to average equity (ytd only) | 7.9270% | 2,008 |
| Net charge-offs to loans | -0.0313% | 6,361 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.0892% | 1,789 |
| Assets per employee ($millions) | 4.5001% | 2,998 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4165% | 1,475 |
| Loan loss allowance to noncurrent loans | 116.6925% | 2,680 |
| Noncurrent assets plus other real estate owned to assets | 2.8173% | 2,084 |
| Noncurrent loans to loans | 2.0708% | 3,063 |
| Net loans and leases to total assets | 65.7924% | 2,503 |
| Net loans and leases to deposits | 74.6238% | 3,024 |
| Net loans and leases to core deposits | 83.5207% | 2,604 |
| Total domestic deposits to total assets | 88.1655% | 2,209 |
| Equity capital to assets | 11.1630% | 2,743 |
| Core capital (leverage) ratio | 11.3398% | 2,006 |
| Tier 1 risk-based capital ratio | 16.0895% | 3,130 |
| Total risk-based capital ratio | 17.3535% | 3,087 |
| Memoranda: | ||
| Average total assets | $183,680,000 | 3,325 |
| Average earning assets | $167,869,500 | 3,320 |
| Average equity | $20,386,000 | 3,181 |
| Average total loans | $127,911,000 | 2,981 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3107% | 1,668 |
| Cost of funding earning assets | 0.4293% | 6,801 |
| Net interest margin | 4.8813% | 531 |
| Noninterest income to average assets | 0.3102% | 5,327 |
| Noninterest expense to average assets | 4.3733% | 673 |
| Loan and lease loss provision to assets | 0.1669% | 4,554 |
| Net operating income to assets | 0.2267% | 5,499 |
| Return on assets (ROA) | 0.2267% | 5,646 |
| Pretax return on assets | 0.2267% | 5,723 |
| Return on Equity (ROE) | 2.0090% | 5,656 |
| Retained earnings to average equity (ytd only) | 2.0090% | 4,782 |
| Net charge-offs to loans | 0.1386% | 5,036 |
| Credit loss provision to net charge-offs | 154.9738% | 1,811 |
| Earnings coverage of net charge-offs (x) | 3.6545% | 3,435 |
| Efficiency ratio | 91.7416% | 1,061 |
| Assets per employee ($millions) | 4.6886% | 2,621 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2796% | 1,657 |
| Loan loss allowance to noncurrent loans | 115.5864% | 2,690 |
| Noncurrent assets plus other real estate owned to assets | 2.9624% | 2,028 |
| Noncurrent loans to loans | 1.9722% | 3,246 |
| Net loans and leases to total assets | 70.2358% | 1,991 |
| Net loans and leases to deposits | 79.6062% | 2,595 |
| Net loans and leases to core deposits | 89.9459% | 2,139 |
| Total domestic deposits to total assets | 88.2291% | 2,011 |
| Equity capital to assets | 11.0338% | 2,950 |
| Core capital (leverage) ratio | 11.0948% | 2,198 |
| Tier 1 risk-based capital ratio | 14.8176% | 3,749 |
| Total risk-based capital ratio | 16.0794% | 3,718 |
| Memoranda: | ||
| Average total assets | $177,302,200 | 3,376 |
| Average earning assets | $161,881,600 | 3,370 |
| Average equity | $20,009,800 | 3,144 |
| Average total loans | $137,839,400 | 2,835 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4037% | 1,498 |
| Cost of funding earning assets | 0.4490% | 6,884 |
| Net interest margin | 4.9547% | 456 |
| Noninterest income to average assets | 0.3047% | 5,424 |
| Noninterest expense to average assets | 4.4832% | 585 |
| Loan and lease loss provision to assets | 0.0174% | 6,221 |
| Net operating income to assets | 0.3206% | 5,322 |
| Return on assets (ROA) | 0.3206% | 5,494 |
| Pretax return on assets | 0.3206% | 5,662 |
| Return on Equity (ROE) | 2.8244% | 5,494 |
| Retained earnings to average equity (ytd only) | 2.8244% | 4,665 |
| Net charge-offs to loans | 0.1864% | 4,308 |
| Credit loss provision to net charge-offs | 11.7949% | 5,653 |
| Earnings coverage of net charge-offs (x) | 2.2872% | 3,986 |
| Efficiency ratio | 92.9885% | 971 |
| Assets per employee ($millions) | 4.7046% | 2,616 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0458% | 2,219 |
| Loan loss allowance to noncurrent loans | 652.0384% | 534 |
| Noncurrent assets plus other real estate owned to assets | 1.8431% | 3,345 |
| Noncurrent loans to loans | 0.3138% | 6,221 |
| Net loans and leases to total assets | 72.8236% | 1,545 |
| Net loans and leases to deposits | 82.9927% | 2,178 |
| Net loans and leases to core deposits | 93.6140% | 1,826 |
| Total domestic deposits to total assets | 87.7470% | 2,198 |
| Equity capital to assets | 11.2920% | 2,874 |
| Core capital (leverage) ratio | 11.1341% | 2,292 |
| Tier 1 risk-based capital ratio | 14.8233% | 3,769 |
| Total risk-based capital ratio | 16.0827% | 3,734 |
| Memoranda: | ||
| Average total assets | $175,913,500 | 3,413 |
| Average earning assets | $160,355,750 | 3,420 |
| Average equity | $19,968,250 | 3,144 |
| Average total loans | $139,442,500 | 2,821 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4653% | 1,376 |
| Cost of funding earning assets | 0.4741% | 6,936 |
| Net interest margin | 4.9911% | 401 |
| Noninterest income to average assets | 0.2606% | 5,781 |
| Noninterest expense to average assets | 4.3724% | 689 |
| Loan and lease loss provision to assets | 0.0263% | 5,975 |
| Net operating income to assets | 0.4104% | 4,895 |
| Return on assets (ROA) | 0.4104% | 5,053 |
| Pretax return on assets | 0.4104% | 5,363 |
| Return on Equity (ROE) | 3.6089% | 5,110 |
| Retained earnings to average equity (ytd only) | 3.6089% | 3,939 |
| Net charge-offs to loans | 0.1808% | 4,079 |
| Credit loss provision to net charge-offs | 17.9688% | 5,159 |
| Earnings coverage of net charge-offs (x) | 2.9844% | 3,357 |
| Efficiency ratio | 90.9199% | 1,172 |
| Assets per employee ($millions) | 4.4670% | 2,895 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0573% | 2,217 |
| Loan loss allowance to noncurrent loans | 93.9312% | 3,053 |
| Noncurrent assets plus other real estate owned to assets | 3.3333% | 1,986 |
| Noncurrent loans to loans | 2.1902% | 3,236 |
| Net loans and leases to total assets | 76.1348% | 1,058 |
| Net loans and leases to deposits | 87.0738% | 1,637 |
| Net loans and leases to core deposits | 98.6009% | 1,458 |
| Total domestic deposits to total assets | 87.4371% | 2,496 |
| Equity capital to assets | 11.5405% | 2,466 |
| Core capital (leverage) ratio | 11.4874% | 1,916 |
| Tier 1 risk-based capital ratio | 14.3108% | 3,925 |
| Total risk-based capital ratio | 15.5700% | 3,897 |
| Memoranda: | ||
| Average total assets | $174,960,330 | 3,448 |
| Average earning assets | $159,443,330 | 3,456 |
| Average equity | $19,895,330 | 3,144 |
| Average total loans | $141,620,670 | 2,810 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4966% | 1,310 |
| Cost of funding earning assets | 0.5011% | 6,966 |
| Net interest margin | 4.9955% | 387 |
| Noninterest income to average assets | 0.2943% | 5,560 |
| Noninterest expense to average assets | 4.4578% | 621 |
| Loan and lease loss provision to assets | 0.0525% | 5,343 |
| Net operating income to assets | 0.3331% | 5,258 |
| Return on assets (ROA) | 0.3331% | 5,334 |
| Pretax return on assets | 0.3331% | 5,553 |
| Return on Equity (ROE) | 2.9509% | 5,396 |
| Retained earnings to average equity (ytd only) | 2.9509% | 4,396 |
| Net charge-offs to loans | 0.3538% | 2,649 |
| Credit loss provision to net charge-offs | 17.9688% | 4,276 |
| Earnings coverage of net charge-offs (x) | 1.3203% | 3,686 |
| Efficiency ratio | 92.0396% | 1,163 |
| Assets per employee ($millions) | 4.7303% | 2,519 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9180% | 2,633 |
| Loan loss allowance to noncurrent loans | 91.8562% | 3,115 |
| Noncurrent assets plus other real estate owned to assets | 3.5047% | 1,947 |
| Noncurrent loans to loans | 2.0881% | 3,457 |
| Net loans and leases to total assets | 81.3998% | 401 |
| Net loans and leases to deposits | 93.3567% | 887 |
| Net loans and leases to core deposits | 104.2401% | 1,047 |
| Total domestic deposits to total assets | 87.1923% | 2,840 |
| Equity capital to assets | 11.3547% | 2,375 |
| Core capital (leverage) ratio | 11.4471% | 1,878 |
| Tier 1 risk-based capital ratio | 13.4519% | 4,456 |
| Total risk-based capital ratio | 14.7095% | 4,429 |
| Memoranda: | ||
| Average total assets | $175,334,500 | 3,461 |
| Average earning assets | $159,663,000 | 3,471 |
| Average equity | $19,790,500 | 3,147 |
| Average total loans | $144,720,000 | 2,792 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4333% | 2,532 |
| Cost of funding earning assets | 0.6404% | 7,030 |
| Net interest margin | 4.7929% | 670 |
| Noninterest income to average assets | 0.2225% | 6,214 |
| Noninterest expense to average assets | 4.6012% | 591 |
| Loan and lease loss provision to assets | 0.8052% | 2,020 |
| Net operating income to assets | -0.8554% | 6,605 |
| Return on assets (ROA) | -0.8554% | 6,633 |
| Pretax return on assets | -0.8554% | 6,548 |
| Return on Equity (ROE) | -7.4864% | 6,583 |
| Retained earnings to average equity (ytd only) | -7.4864% | 6,491 |
| Net charge-offs to loans | 0.7701% | 2,715 |
| Credit loss provision to net charge-offs | 132.6679% | 2,956 |
| Earnings coverage of net charge-offs (x) | -0.0826% | 6,203 |
| Efficiency ratio | 101.1013% | 746 |
| Assets per employee ($millions) | 4.7473% | 2,491 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0050% | 2,288 |
| Loan loss allowance to noncurrent loans | 90.3438% | 3,160 |
| Noncurrent assets plus other real estate owned to assets | 3.7712% | 1,820 |
| Noncurrent loans to loans | 2.2193% | 3,305 |
| Net loans and leases to total assets | 80.4428% | 605 |
| Net loans and leases to deposits | 92.3371% | 1,230 |
| Net loans and leases to core deposits | 103.8483% | 1,326 |
| Total domestic deposits to total assets | 87.1186% | 2,757 |
| Equity capital to assets | 11.2201% | 2,479 |
| Core capital (leverage) ratio | 10.5452% | 2,513 |
| Tier 1 risk-based capital ratio | 13.4711% | 4,230 |
| Total risk-based capital ratio | 14.7309% | 4,192 |
| Memoranda: | ||
| Average total assets | $181,559,800 | 3,351 |
| Average earning assets | $163,970,400 | 3,377 |
| Average equity | $20,744,200 | 3,048 |
| Average total loans | $143,091,400 | 2,883 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3743% | 3,001 |
| Cost of funding earning assets | 0.6597% | 7,155 |
| Net interest margin | 4.7146% | 814 |
| Noninterest income to average assets | 0.1981% | 6,475 |
| Noninterest expense to average assets | 4.2970% | 745 |
| Loan and lease loss provision to assets | 0.7962% | 1,907 |
| Net operating income to assets | -0.6468% | 6,691 |
| Return on assets (ROA) | -0.6468% | 6,742 |
| Pretax return on assets | -0.6468% | 6,647 |
| Return on Equity (ROE) | -5.6371% | 6,697 |
| Retained earnings to average equity (ytd only) | -5.6371% | 6,606 |
| Net charge-offs to loans | 0.5359% | 3,158 |
| Credit loss provision to net charge-offs | 190.4181% | 1,888 |
| Earnings coverage of net charge-offs (x) | 0.3571% | 5,671 |
| Efficiency ratio | 96.6415% | 883 |
| Assets per employee ($millions) | 5.0646% | 2,098 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1255% | 1,939 |
| Loan loss allowance to noncurrent loans | 76.0219% | 3,532 |
| Noncurrent assets plus other real estate owned to assets | 4.4827% | 1,516 |
| Noncurrent loans to loans | 2.7959% | 2,852 |
| Net loans and leases to total assets | 72.9773% | 2,015 |
| Net loans and leases to deposits | 83.0379% | 2,905 |
| Net loans and leases to core deposits | 99.4618% | 1,896 |
| Total domestic deposits to total assets | 87.8843% | 2,027 |
| Equity capital to assets | 10.5766% | 3,435 |
| Core capital (leverage) ratio | 10.7765% | 2,443 |
| Tier 1 risk-based capital ratio | 13.5392% | 4,170 |
| Total risk-based capital ratio | 14.7984% | 4,112 |
| Memoranda: | ||
| Average total assets | $183,037,500 | 3,379 |
| Average earning assets | $164,928,750 | 3,402 |
| Average equity | $21,003,250 | 3,049 |
| Average total loans | $142,817,250 | 2,924 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4814% | 2,609 |
| Cost of funding earning assets | 0.6957% | 7,202 |
| Net interest margin | 4.7857% | 669 |
| Noninterest income to average assets | 0.2713% | 5,981 |
| Noninterest expense to average assets | 4.4770% | 589 |
| Loan and lease loss provision to assets | 0.1556% | 5,341 |
| Net operating income to assets | -0.0634% | 6,172 |
| Return on assets (ROA) | -0.0634% | 6,262 |
| Pretax return on assets | -0.0634% | 6,211 |
| Return on Equity (ROE) | -0.5372% | 6,261 |
| Retained earnings to average equity (ytd only) | -0.5372% | 5,856 |
| Net charge-offs to loans | 0.8079% | 2,229 |
| Credit loss provision to net charge-offs | 24.3056% | 5,811 |
| Earnings coverage of net charge-offs (x) | 0.1441% | 5,576 |
| Efficiency ratio | 97.9805% | 884 |
| Assets per employee ($millions) | 4.0788% | 3,613 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4998% | 3,941 |
| Loan loss allowance to noncurrent loans | 72.3661% | 3,736 |
| Noncurrent assets plus other real estate owned to assets | 4.1903% | 1,610 |
| Noncurrent loans to loans | 2.0725% | 3,629 |
| Net loans and leases to total assets | 73.3346% | 2,077 |
| Net loans and leases to deposits | 82.9579% | 3,083 |
| Net loans and leases to core deposits | 99.6401% | 2,059 |
| Total domestic deposits to total assets | 88.3997% | 1,779 |
| Equity capital to assets | 11.2821% | 2,608 |
| Core capital (leverage) ratio | 12.6143% | 1,361 |
| Tier 1 risk-based capital ratio | 14.0739% | 3,678 |
| Total risk-based capital ratio | 15.3239% | 3,641 |
| Memoranda: | ||
| Average total assets | $179,899,000 | 3,444 |
| Average earning assets | $161,564,330 | 3,484 |
| Average equity | $21,219,330 | 3,011 |
| Average total loans | $142,590,670 | 2,964 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5680% | 2,294 |
| Cost of funding earning assets | 0.7520% | 7,226 |
| Net interest margin | 4.8160% | 623 |
| Noninterest income to average assets | 0.2295% | 6,313 |
| Noninterest expense to average assets | 4.3627% | 669 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.2181% | 5,627 |
| Return on assets (ROA) | 0.2181% | 5,741 |
| Pretax return on assets | 0.2181% | 5,825 |
| Return on Equity (ROE) | 1.8075% | 5,832 |
| Retained earnings to average equity (ytd only) | 1.8075% | 5,030 |
| Net charge-offs to loans | 0.3999% | 2,846 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 0.6667% | 4,432 |
| Efficiency ratio | 95.2381% | 1,068 |
| Assets per employee ($millions) | 3.8751% | 4,152 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6815% | 3,132 |
| Loan loss allowance to noncurrent loans | 57.3798% | 4,515 |
| Noncurrent assets plus other real estate owned to assets | 3.7722% | 1,842 |
| Noncurrent loans to loans | 2.9305% | 2,746 |
| Net loans and leases to total assets | 80.0372% | 842 |
| Net loans and leases to deposits | 91.4331% | 1,691 |
| Net loans and leases to core deposits | 113.1654% | 1,085 |
| Total domestic deposits to total assets | 87.5363% | 2,341 |
| Equity capital to assets | 12.2159% | 1,924 |
| Core capital (leverage) ratio | 12.4936% | 1,407 |
| Tier 1 risk-based capital ratio | 14.3455% | 3,469 |
| Total risk-based capital ratio | 15.5953% | 3,429 |
| Memoranda: | ||
| Average total assets | $176,036,000 | 3,560 |
| Average earning assets | $159,052,500 | 3,582 |
| Average equity | $21,245,000 | 3,039 |
| Average total loans | $144,041,500 | 3,001 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8840% | 2,307 |
| Cost of funding earning assets | 1.2611% | 6,434 |
| Net interest margin | 4.6229% | 942 |
| Noninterest income to average assets | 0.3634% | 5,494 |
| Noninterest expense to average assets | 4.2001% | 1,099 |
| Loan and lease loss provision to assets | 0.3737% | 4,541 |
| Net operating income to assets | 0.0212% | 5,426 |
| Return on assets (ROA) | 0.0212% | 5,468 |
| Pretax return on assets | 0.0212% | 5,385 |
| Return on Equity (ROE) | 0.1853% | 5,473 |
| Retained earnings to average equity (ytd only) | 0.1853% | 4,799 |
| Net charge-offs to loans | 0.0923% | 6,203 |
| Credit loss provision to net charge-offs | 487.2340% | 628 |
| Earnings coverage of net charge-offs (x) | 5.1489% | 2,676 |
| Efficiency ratio | 91.4052% | 1,609 |
| Assets per employee ($millions) | 4.0385% | 3,738 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7320% | 2,781 |
| Loan loss allowance to noncurrent loans | 150.0296% | 1,907 |
| Noncurrent assets plus other real estate owned to assets | 2.3158% | 2,986 |
| Noncurrent loans to loans | 1.1545% | 5,022 |
| Net loans and leases to total assets | 80.8118% | 865 |
| Net loans and leases to deposits | 91.9203% | 1,908 |
| Net loans and leases to core deposits | 135.9177% | 954 |
| Total domestic deposits to total assets | 87.9151% | 2,004 |
| Equity capital to assets | 11.9239% | 2,074 |
| Core capital (leverage) ratio | 12.6275% | 1,395 |
| Tier 1 risk-based capital ratio | 13.8708% | 3,585 |
| Total risk-based capital ratio | 15.1166% | 3,537 |
| Memoranda: | ||
| Average total assets | $183,829,200 | 3,368 |
| Average earning assets | $168,271,000 | 3,381 |
| Average equity | $21,052,200 | 3,065 |
| Average total loans | $152,795,000 | 2,879 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9245% | 2,340 |
| Cost of funding earning assets | 1.3374% | 6,443 |
| Net interest margin | 4.5871% | 1,008 |
| Noninterest income to average assets | 0.2165% | 6,685 |
| Noninterest expense to average assets | 4.2848% | 928 |
| Loan and lease loss provision to assets | 0.4726% | 3,546 |
| Net operating income to assets | -0.3172% | 6,227 |
| Return on assets (ROA) | -0.3172% | 6,235 |
| Pretax return on assets | -0.3172% | 6,116 |
| Return on Equity (ROE) | -2.7975% | 6,216 |
| Retained earnings to average equity (ytd only) | -2.7975% | 5,898 |
| Net charge-offs to loans | 0.0984% | 5,687 |
| Credit loss provision to net charge-offs | 576.3158% | 676 |
| Earnings coverage of net charge-offs (x) | 1.8947% | 4,390 |
| Efficiency ratio | 96.5009% | 1,248 |
| Assets per employee ($millions) | 4.1024% | 3,555 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7333% | 2,509 |
| Loan loss allowance to noncurrent loans | 206.8740% | 1,432 |
| Noncurrent assets plus other real estate owned to assets | 2.1277% | 3,191 |
| Noncurrent loans to loans | 0.8379% | 5,620 |
| Net loans and leases to total assets | 77.6327% | 1,649 |
| Net loans and leases to deposits | 87.8119% | 3,004 |
| Net loans and leases to core deposits | 140.9740% | 873 |
| Total domestic deposits to total assets | 88.4079% | 1,472 |
| Equity capital to assets | 11.2086% | 2,824 |
| Core capital (leverage) ratio | 11.1830% | 2,272 |
| Tier 1 risk-based capital ratio | 13.4594% | 3,885 |
| Total risk-based capital ratio | 14.7142% | 3,815 |
| Memoranda: | ||
| Average total assets | $185,363,250 | 3,379 |
| Average earning assets | $170,677,750 | 3,367 |
| Average equity | $21,018,250 | 3,098 |
| Average total loans | $154,461,750 | 2,878 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9879% | 2,230 |
| Cost of funding earning assets | 1.4362% | 6,360 |
| Net interest margin | 4.5517% | 1,053 |
| Noninterest income to average assets | 0.2144% | 6,768 |
| Noninterest expense to average assets | 4.2551% | 1,006 |
| Loan and lease loss provision to assets | 0.1110% | 6,040 |
| Net operating income to assets | 0.0420% | 5,725 |
| Return on assets (ROA) | 0.0420% | 5,816 |
| Pretax return on assets | 0.0420% | 5,792 |
| Return on Equity (ROE) | 0.3692% | 5,825 |
| Retained earnings to average equity (ytd only) | 0.3692% | 5,072 |
| Net charge-offs to loans | 0.1424% | 4,746 |
| Credit loss provision to net charge-offs | 91.9643% | 4,863 |
| Earnings coverage of net charge-offs (x) | 1.2679% | 4,579 |
| Efficiency ratio | 96.5290% | 1,345 |
| Assets per employee ($millions) | 3.7986% | 4,097 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2782% | 4,405 |
| Loan loss allowance to noncurrent loans | 210.7676% | 1,437 |
| Noncurrent assets plus other real estate owned to assets | 1.6909% | 3,646 |
| Noncurrent loans to loans | 0.6065% | 6,049 |
| Net loans and leases to total assets | 83.7419% | 676 |
| Net loans and leases to deposits | 95.0824% | 1,939 |
| Net loans and leases to core deposits | 159.5974% | 459 |
| Total domestic deposits to total assets | 88.0730% | 1,729 |
| Equity capital to assets | 11.6095% | 2,464 |
| Core capital (leverage) ratio | 11.2443% | 2,233 |
| Tier 1 risk-based capital ratio | 13.2080% | 3,995 |
| Total risk-based capital ratio | 14.4410% | 3,927 |
| Memoranda: | ||
| Average total assets | $185,614,670 | 3,397 |
| Average earning assets | $171,012,330 | 3,376 |
| Average equity | $21,127,000 | 3,078 |
| Average total loans | $157,334,000 | 2,872 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8753% | 2,914 |
| Cost of funding earning assets | 1.5416% | 6,272 |
| Net interest margin | 4.3337% | 1,508 |
| Noninterest income to average assets | 0.2157% | 6,751 |
| Noninterest expense to average assets | 4.0650% | 1,104 |
| Loan and lease loss provision to assets | 0.1388% | 5,185 |
| Net operating income to assets | 0.0171% | 6,216 |
| Return on assets (ROA) | 0.0171% | 6,370 |
| Pretax return on assets | 0.0171% | 6,344 |
| Return on Equity (ROE) | 0.1516% | 6,375 |
| Retained earnings to average equity (ytd only) | 0.1516% | 5,598 |
| Net charge-offs to loans | 0.1235% | 3,987 |
| Credit loss provision to net charge-offs | 132.6531% | 3,046 |
| Earnings coverage of net charge-offs (x) | 1.4898% | 3,990 |
| Efficiency ratio | 96.3057% | 1,301 |
| Assets per employee ($millions) | 4.0460% | 3,564 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2569% | 4,367 |
| Loan loss allowance to noncurrent loans | 104.6548% | 2,930 |
| Noncurrent assets plus other real estate owned to assets | 1.7667% | 3,273 |
| Noncurrent loans to loans | 1.2010% | 4,570 |
| Net loans and leases to total assets | 80.9468% | 1,210 |
| Net loans and leases to deposits | 91.0394% | 2,770 |
| Net loans and leases to core deposits | 140.8883% | 1,065 |
| Total domestic deposits to total assets | 88.9140% | 1,264 |
| Equity capital to assets | 10.8749% | 3,100 |
| Core capital (leverage) ratio | 11.2026% | 2,339 |
| Tier 1 risk-based capital ratio | 12.7387% | 4,355 |
| Total risk-based capital ratio | 13.9456% | 4,317 |
| Memoranda: | ||
| Average total assets | $187,255,000 | 3,394 |
| Average earning assets | $173,063,500 | 3,372 |
| Average equity | $21,106,500 | 3,107 |
| Average total loans | $158,667,500 | 2,869 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7681% | 1,799 |
| Cost of funding earning assets | 2.3669% | 4,864 |
| Net interest margin | 4.4012% | 1,680 |
| Noninterest income to average assets | 0.1717% | 7,193 |
| Noninterest expense to average assets | 4.3621% | 981 |
| Loan and lease loss provision to assets | 0.3480% | 3,618 |
| Net operating income to assets | -0.4578% | 6,890 |
| Return on assets (ROA) | -0.4578% | 6,767 |
| Pretax return on assets | -0.4578% | 6,616 |
| Return on Equity (ROE) | -3.6641% | 6,703 |
| Retained earnings to average equity (ytd only) | -3.6641% | 6,257 |
| Net charge-offs to loans | 0.2227% | 4,002 |
| Credit loss provision to net charge-offs | 178.9790% | 2,822 |
| Earnings coverage of net charge-offs (x) | -0.5646% | 6,500 |
| Efficiency ratio | 102.5817% | 900 |
| Assets per employee ($millions) | 3.5353% | 4,581 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2553% | 4,086 |
| Loan loss allowance to noncurrent loans | 100.5572% | 3,438 |
| Noncurrent assets plus other real estate owned to assets | 1.9373% | 2,536 |
| Noncurrent loans to loans | 1.2484% | 4,016 |
| Net loans and leases to total assets | 86.6013% | 524 |
| Net loans and leases to deposits | 98.2953% | 2,085 |
| Net loans and leases to core deposits | 141.6726% | 1,175 |
| Total domestic deposits to total assets | 88.1032% | 1,429 |
| Equity capital to assets | 11.6988% | 2,502 |
| Core capital (leverage) ratio | 11.4482% | 2,285 |
| Tier 1 risk-based capital ratio | 12.3368% | 4,559 |
| Total risk-based capital ratio | 13.4978% | 4,522 |
| Memoranda: | ||
| Average total assets | $171,247,200 | 3,533 |
| Average earning assets | $158,773,200 | 3,488 |
| Average equity | $21,397,000 | 3,052 |
| Average total loans | $149,562,000 | 2,938 |