Home > Bank of Easton > Performance and Condition Ratios
Bank of Easton, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8900% | 4,093 |
| Cost of funding earning assets | 1.6728% | 1,511 |
| Net interest margin | 2.2171% | 4,303 |
| Noninterest income to average assets | 0.3500% | 2,791 |
| Noninterest expense to average assets | 1.4890% | 4,335 |
| Loan and lease loss provision to assets | 0.0100% | 2,964 |
| Net operating income to assets | 0.7344% | 3,097 |
| Return on assets (ROA) | 0.7051% | 3,157 |
| Pretax return on assets | 0.9011% | 2,961 |
| Return on Equity (ROE) | 7.4900% | 3,160 |
| Retained earnings to average equity (ytd only) | 7.4934% | 1,710 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 61.1385% | 2,956 |
| Assets per employee ($millions) | 10.8677% | 548 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5467% | 4,301 |
| Loan loss allowance to noncurrent loans | 10,133.3333% | 132 |
| Noncurrent assets plus other real estate owned to assets | 0.0031% | 3,817 |
| Noncurrent loans to loans | 0.0054% | 3,740 |
| Net loans and leases to total assets | 56.5400% | 3,154 |
| Net loans and leases to deposits | 63.7376% | 3,304 |
| Net loans and leases to core deposits | 73.1562% | 3,117 |
| Total domestic deposits to total assets | 88.7100% | 1,153 |
| Equity capital to assets | 9.9781% | 2,026 |
| Core capital (leverage) ratio | 11.4772% | 1,651 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $191,879,800 | 3,038 |
| Average earning assets | $180,593,400 | 3,001 |
| Average equity | $18,055,800 | 3,007 |
| Average total loans | $102,922,800 | 3,145 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8217% | 4,091 |
| Cost of funding earning assets | 1.5623% | 1,449 |
| Net interest margin | 2.2594% | 4,320 |
| Noninterest income to average assets | 0.4000% | 2,484 |
| Noninterest expense to average assets | 1.4678% | 4,334 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | 0.8184% | 2,967 |
| Return on assets (ROA) | 0.8184% | 2,958 |
| Pretax return on assets | 1.0600% | 2,685 |
| Return on Equity (ROE) | 8.8300% | 2,972 |
| Retained earnings to average equity (ytd only) | 8.8334% | 1,732 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 57.9063% | 3,214 |
| Assets per employee ($millions) | 10.7256% | 540 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5859% | 4,287 |
| Loan loss allowance to noncurrent loans | 10,033.3333% | 129 |
| Noncurrent assets plus other real estate owned to assets | 0.0031% | 3,846 |
| Noncurrent loans to loans | 0.0058% | 3,768 |
| Net loans and leases to total assets | 52.9100% | 3,432 |
| Net loans and leases to deposits | 58.8333% | 3,566 |
| Net loans and leases to core deposits | 67.7042% | 3,342 |
| Total domestic deposits to total assets | 89.9300% | 956 |
| Equity capital to assets | 9.0251% | 2,399 |
| Core capital (leverage) ratio | 11.2577% | 1,817 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $190,945,000 | 3,052 |
| Average earning assets | $180,158,000 | 3,015 |
| Average equity | $17,690,000 | 3,026 |
| Average total loans | $100,849,750 | 3,169 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7174% | 4,124 |
| Cost of funding earning assets | 1.4028% | 1,440 |
| Net interest margin | 2.3146% | 4,354 |
| Noninterest income to average assets | 0.5100% | 1,835 |
| Noninterest expense to average assets | 1.4750% | 4,357 |
| Loan and lease loss provision to assets | 0.0100% | 2,681 |
| Net operating income to assets | 0.9251% | 2,670 |
| Return on assets (ROA) | 0.9251% | 2,655 |
| Pretax return on assets | 1.2101% | 2,332 |
| Return on Equity (ROE) | 9.9000% | 2,731 |
| Retained earnings to average equity (ytd only) | 9.8995% | 1,428 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 54.7405% | 3,553 |
| Assets per employee ($millions) | 10.6486% | 553 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5911% | 4,310 |
| Loan loss allowance to noncurrent loans | 8,585.7143% | 164 |
| Noncurrent assets plus other real estate owned to assets | 0.0037% | 3,851 |
| Noncurrent loans to loans | 0.0069% | 3,756 |
| Net loans and leases to total assets | 52.7300% | 3,354 |
| Net loans and leases to deposits | 59.1502% | 3,472 |
| Net loans and leases to core deposits | 67.3533% | 3,269 |
| Total domestic deposits to total assets | 89.1400% | 1,201 |
| Equity capital to assets | 9.4358% | 2,207 |
| Core capital (leverage) ratio | 11.1328% | 1,831 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $190,239,667 | 3,067 |
| Average earning assets | $179,643,333 | 3,032 |
| Average equity | $17,778,667 | 3,039 |
| Average total loans | $100,217,667 | 3,170 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5572% | 4,208 |
| Cost of funding earning assets | 1.2021% | 1,442 |
| Net interest margin | 2.3551% | 4,418 |
| Noninterest income to average assets | 0.2000% | 3,776 |
| Noninterest expense to average assets | 1.3740% | 4,487 |
| Loan and lease loss provision to assets | 0.0100% | 2,408 |
| Net operating income to assets | 0.8083% | 3,171 |
| Return on assets (ROA) | 0.8083% | 3,124 |
| Pretax return on assets | 1.0426% | 2,878 |
| Return on Equity (ROE) | 8.6900% | 3,135 |
| Retained earnings to average equity (ytd only) | 8.6922% | 2,029 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 56.6580% | 3,336 |
| Assets per employee ($millions) | 11.3468% | 474 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5982% | 4,360 |
| Loan loss allowance to noncurrent loans | 8,514.2857% | 194 |
| Noncurrent assets plus other real estate owned to assets | 0.0036% | 3,871 |
| Noncurrent loans to loans | 0.0070% | 3,788 |
| Net loans and leases to total assets | 51.3400% | 3,395 |
| Net loans and leases to deposits | 57.6235% | 3,474 |
| Net loans and leases to core deposits | 65.3077% | 3,272 |
| Total domestic deposits to total assets | 89.0900% | 1,514 |
| Equity capital to assets | 9.4036% | 2,225 |
| Core capital (leverage) ratio | 11.3210% | 1,653 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $189,522,500 | 3,109 |
| Average earning assets | $179,018,000 | 3,074 |
| Average equity | $17,625,000 | 3,075 |
| Average total loans | $99,492,500 | 3,218 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8092% | 4,314 |
| Cost of funding earning assets | 0.4339% | 1,830 |
| Net interest margin | 2.3753% | 4,377 |
| Noninterest income to average assets | 0.1900% | 4,004 |
| Noninterest expense to average assets | 1.4185% | 4,498 |
| Loan and lease loss provision to assets | 0.0100% | 2,705 |
| Net operating income to assets | 0.7781% | 3,403 |
| Return on assets (ROA) | 0.7259% | 3,492 |
| Pretax return on assets | 0.9439% | 3,233 |
| Return on Equity (ROE) | 7.5900% | 3,491 |
| Retained earnings to average equity (ytd only) | 7.5866% | 1,991 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 58.0659% | 3,332 |
| Assets per employee ($millions) | 10.9500% | 514 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5606% | 4,381 |
| Loan loss allowance to noncurrent loans | 7,957.1429% | 206 |
| Noncurrent assets plus other real estate owned to assets | 0.0038% | 3,898 |
| Noncurrent loans to loans | 0.0070% | 3,810 |
| Net loans and leases to total assets | 53.0800% | 3,279 |
| Net loans and leases to deposits | 59.0243% | 3,394 |
| Net loans and leases to core deposits | 66.1910% | 3,123 |
| Total domestic deposits to total assets | 89.9200% | 1,399 |
| Equity capital to assets | 9.1920% | 2,232 |
| Core capital (leverage) ratio | 11.1790% | 1,692 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $186,250,800 | 3,134 |
| Average earning assets | $176,312,600 | 3,095 |
| Average equity | $17,821,000 | 3,137 |
| Average total loans | $97,004,800 | 3,194 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6259% | 4,368 |
| Cost of funding earning assets | 0.3110% | 2,049 |
| Net interest margin | 2.3149% | 4,395 |
| Noninterest income to average assets | 0.1900% | 4,048 |
| Noninterest expense to average assets | 1.4058% | 4,506 |
| Loan and lease loss provision to assets | 0.0100% | 2,534 |
| Net operating income to assets | 0.7444% | 3,437 |
| Return on assets (ROA) | 0.7444% | 3,385 |
| Pretax return on assets | 0.9756% | 3,090 |
| Return on Equity (ROE) | 7.7000% | 3,406 |
| Retained earnings to average equity (ytd only) | 7.7042% | 2,112 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 58.8376% | 3,277 |
| Assets per employee ($millions) | 10.8342% | 522 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5458% | 4,436 |
| Loan loss allowance to noncurrent loans | 6,762.5000% | 203 |
| Noncurrent assets plus other real estate owned to assets | 0.0043% | 3,972 |
| Noncurrent loans to loans | 0.0081% | 3,890 |
| Net loans and leases to total assets | 53.5300% | 3,144 |
| Net loans and leases to deposits | 59.3368% | 3,255 |
| Net loans and leases to core deposits | 66.2273% | 2,940 |
| Total domestic deposits to total assets | 90.2100% | 1,564 |
| Equity capital to assets | 8.7245% | 2,393 |
| Core capital (leverage) ratio | 11.1330% | 1,643 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $186,276,000 | 3,159 |
| Average earning assets | $176,647,500 | 3,116 |
| Average equity | $17,998,500 | 3,163 |
| Average total loans | $96,416,250 | 3,214 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4544% | 4,419 |
| Cost of funding earning assets | 0.2462% | 2,320 |
| Net interest margin | 2.2082% | 4,420 |
| Noninterest income to average assets | 0.1915% | 4,044 |
| Noninterest expense to average assets | 1.3959% | 4,534 |
| Loan and lease loss provision to assets | 0.0086% | 2,438 |
| Net operating income to assets | 0.6782% | 3,384 |
| Return on assets (ROA) | 0.6782% | 3,338 |
| Pretax return on assets | 0.8878% | 3,105 |
| Return on Equity (ROE) | 6.8020% | 3,361 |
| Retained earnings to average equity (ytd only) | 6.8020% | 2,050 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8959% | 3,192 |
| Assets per employee ($millions) | 10.7752% | 529 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5481% | 4,509 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 53.2943% | 3,034 |
| Net loans and leases to deposits | 59.7315% | 3,069 |
| Net loans and leases to core deposits | 67.1847% | 2,724 |
| Total domestic deposits to total assets | 89.2231% | 2,076 |
| Equity capital to assets | 9.6004% | 1,941 |
| Core capital (leverage) ratio | 10.9454% | 1,650 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $186,974,000 | 3,183 |
| Average earning assets | $177,885,000 | 3,150 |
| Average equity | $18,641,667 | 3,175 |
| Average total loans | $95,513,333 | 3,246 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2971% | 4,457 |
| Cost of funding earning assets | 0.2310% | 2,385 |
| Net interest margin | 2.0660% | 4,473 |
| Noninterest income to average assets | 0.1948% | 3,993 |
| Noninterest expense to average assets | 1.3194% | 4,607 |
| Loan and lease loss provision to assets | 0.0064% | 2,194 |
| Net operating income to assets | 0.6459% | 3,243 |
| Return on assets (ROA) | 0.6459% | 3,224 |
| Pretax return on assets | 0.8387% | 2,979 |
| Return on Equity (ROE) | 6.3643% | 3,233 |
| Retained earnings to average equity (ytd only) | 6.3643% | 2,124 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9589% | 3,379 |
| Assets per employee ($millions) | 10.9548% | 518 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5686% | 4,527 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 50.0459% | 3,167 |
| Net loans and leases to deposits | 56.4024% | 3,228 |
| Net loans and leases to core deposits | 63.3520% | 2,855 |
| Total domestic deposits to total assets | 88.7301% | 2,197 |
| Equity capital to assets | 9.8329% | 2,022 |
| Core capital (leverage) ratio | 10.7490% | 1,652 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $188,871,500 | 3,183 |
| Average earning assets | $180,054,500 | 3,142 |
| Average equity | $19,169,500 | 3,221 |
| Average total loans | $94,189,000 | 3,271 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3131% | 4,582 |
| Cost of funding earning assets | 0.3283% | 2,134 |
| Net interest margin | 1.9849% | 4,608 |
| Noninterest income to average assets | 0.2352% | 3,971 |
| Noninterest expense to average assets | 1.3699% | 4,640 |
| Loan and lease loss provision to assets | 0.0043% | 2,987 |
| Net operating income to assets | 0.5835% | 3,914 |
| Return on assets (ROA) | 0.5843% | 3,951 |
| Pretax return on assets | 0.7543% | 3,830 |
| Return on Equity (ROE) | 5.4701% | 3,893 |
| Retained earnings to average equity (ytd only) | 5.4701% | 2,579 |
| Net charge-offs to loans | -0.0022% | 3,379 |
| Credit loss provision to net charge-offs | -400.0000% | 3,694 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3926% | 2,502 |
| Assets per employee ($millions) | 11.2654% | 472 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5600% | 4,574 |
| Loan loss allowance to noncurrent loans | 373.2394% | 1,798 |
| Noncurrent assets plus other real estate owned to assets | 0.0741% | 3,434 |
| Noncurrent loans to loans | 0.1500% | 3,185 |
| Net loans and leases to total assets | 49.1426% | 3,390 |
| Net loans and leases to deposits | 55.8951% | 3,430 |
| Net loans and leases to core deposits | 62.4388% | 3,123 |
| Total domestic deposits to total assets | 87.9193% | 2,090 |
| Equity capital to assets | 10.4573% | 2,211 |
| Core capital (leverage) ratio | 10.6964% | 1,757 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $185,338,800 | 3,162 |
| Average earning assets | $176,688,400 | 3,119 |
| Average equity | $19,798,600 | 3,234 |
| Average total loans | $91,286,000 | 3,321 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3348% | 4,662 |
| Cost of funding earning assets | 0.3533% | 2,087 |
| Net interest margin | 1.9814% | 4,687 |
| Noninterest income to average assets | 0.2263% | 4,049 |
| Noninterest expense to average assets | 1.3573% | 4,711 |
| Loan and lease loss provision to assets | 0.0038% | 2,897 |
| Net operating income to assets | 0.5806% | 4,041 |
| Return on assets (ROA) | 0.5818% | 4,082 |
| Pretax return on assets | 0.7544% | 3,967 |
| Return on Equity (ROE) | 5.4165% | 4,035 |
| Retained earnings to average equity (ytd only) | 5.4165% | 3,067 |
| Net charge-offs to loans | -0.0029% | 3,295 |
| Credit loss provision to net charge-offs | -250.0000% | 3,438 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2073% | 2,356 |
| Assets per employee ($millions) | 10.8522% | 499 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5713% | 4,650 |
| Loan loss allowance to noncurrent loans | 365.9722% | 1,713 |
| Noncurrent assets plus other real estate owned to assets | 0.0781% | 3,581 |
| Noncurrent loans to loans | 0.1561% | 3,344 |
| Net loans and leases to total assets | 49.7187% | 3,438 |
| Net loans and leases to deposits | 56.8104% | 3,503 |
| Net loans and leases to core deposits | 63.9827% | 3,141 |
| Total domestic deposits to total assets | 87.5168% | 2,099 |
| Equity capital to assets | 10.8305% | 2,142 |
| Core capital (leverage) ratio | 10.6554% | 1,928 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $183,795,500 | 3,215 |
| Average earning assets | $175,088,000 | 3,167 |
| Average equity | $19,741,500 | 3,277 |
| Average total loans | $90,446,500 | 3,372 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3262% | 4,712 |
| Cost of funding earning assets | 0.3736% | 2,102 |
| Net interest margin | 1.9526% | 4,731 |
| Noninterest income to average assets | 0.2179% | 4,102 |
| Noninterest expense to average assets | 1.3281% | 4,773 |
| Loan and lease loss provision to assets | 0.0044% | 2,795 |
| Net operating income to assets | 0.5768% | 4,030 |
| Return on assets (ROA) | 0.5785% | 4,081 |
| Pretax return on assets | 0.7496% | 3,973 |
| Return on Equity (ROE) | 5.4014% | 4,058 |
| Retained earnings to average equity (ytd only) | 5.4014% | 3,037 |
| Net charge-offs to loans | -0.0022% | 3,218 |
| Credit loss provision to net charge-offs | -400.0000% | 3,399 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8554% | 2,452 |
| Assets per employee ($millions) | 10.8267% | 485 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5664% | 4,687 |
| Loan loss allowance to noncurrent loans | 139.6277% | 2,961 |
| Noncurrent assets plus other real estate owned to assets | 0.2043% | 2,926 |
| Noncurrent loans to loans | 0.4056% | 2,465 |
| Net loans and leases to total assets | 50.0761% | 3,551 |
| Net loans and leases to deposits | 57.1759% | 3,624 |
| Net loans and leases to core deposits | 64.6323% | 3,230 |
| Total domestic deposits to total assets | 87.5824% | 2,047 |
| Equity capital to assets | 10.7968% | 2,151 |
| Core capital (leverage) ratio | 10.5333% | 1,924 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $183,564,667 | 3,221 |
| Average earning assets | $175,047,000 | 3,175 |
| Average equity | $19,661,667 | 3,277 |
| Average total loans | $89,844,667 | 3,402 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3166% | 4,753 |
| Cost of funding earning assets | 0.3983% | 2,112 |
| Net interest margin | 1.9183% | 4,763 |
| Noninterest income to average assets | 0.2444% | 3,928 |
| Noninterest expense to average assets | 1.3092% | 4,814 |
| Loan and lease loss provision to assets | 0.0065% | 2,682 |
| Net operating income to assets | 0.5891% | 3,968 |
| Return on assets (ROA) | 0.5891% | 4,032 |
| Pretax return on assets | 0.7571% | 3,897 |
| Return on Equity (ROE) | 5.5225% | 3,987 |
| Retained earnings to average equity (ytd only) | 5.5225% | 3,056 |
| Net charge-offs to loans | -0.0045% | 3,354 |
| Credit loss provision to net charge-offs | -300.0000% | 3,047 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1579% | 2,584 |
| Assets per employee ($millions) | 10.8341% | 466 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5909% | 4,686 |
| Loan loss allowance to noncurrent loans | 137.8947% | 2,898 |
| Noncurrent assets plus other real estate owned to assets | 0.2063% | 3,122 |
| Noncurrent loans to loans | 0.4285% | 2,574 |
| Net loans and leases to total assets | 47.8646% | 3,835 |
| Net loans and leases to deposits | 54.5007% | 3,907 |
| Net loans and leases to core deposits | 62.0208% | 3,568 |
| Total domestic deposits to total assets | 87.8239% | 1,928 |
| Equity capital to assets | 10.5598% | 2,206 |
| Core capital (leverage) ratio | 10.5770% | 2,024 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $183,320,000 | 3,221 |
| Average earning assets | $174,741,500 | 3,170 |
| Average equity | $19,556,500 | 3,278 |
| Average total loans | $88,421,000 | 3,433 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7295% | 4,783 |
| Cost of funding earning assets | 0.6861% | 1,797 |
| Net interest margin | 2.0434% | 4,813 |
| Noninterest income to average assets | 0.2329% | 4,104 |
| Noninterest expense to average assets | 1.4197% | 4,828 |
| Loan and lease loss provision to assets | 0.0146% | 4,190 |
| Net operating income to assets | 0.5767% | 3,825 |
| Return on assets (ROA) | 0.5832% | 3,911 |
| Pretax return on assets | 0.7455% | 3,777 |
| Return on Equity (ROE) | 5.2455% | 3,832 |
| Retained earnings to average equity (ytd only) | 5.2455% | 2,164 |
| Net charge-offs to loans | -0.0034% | 4,054 |
| Credit loss provision to net charge-offs | -833.3333% | 4,014 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3763% | 2,623 |
| Assets per employee ($millions) | 10.7329% | 434 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5898% | 4,720 |
| Loan loss allowance to noncurrent loans | 135.7702% | 2,932 |
| Noncurrent assets plus other real estate owned to assets | 0.2099% | 3,239 |
| Noncurrent loans to loans | 0.4344% | 2,670 |
| Net loans and leases to total assets | 48.0330% | 3,973 |
| Net loans and leases to deposits | 54.8981% | 4,076 |
| Net loans and leases to core deposits | 63.8183% | 3,704 |
| Total domestic deposits to total assets | 87.4948% | 1,708 |
| Equity capital to assets | 10.7772% | 2,452 |
| Core capital (leverage) ratio | 10.6805% | 2,025 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $171,300,600 | 3,185 |
| Average earning assets | $162,522,600 | 3,141 |
| Average equity | $19,044,800 | 3,275 |
| Average total loans | $88,662,000 | 3,422 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8566% | 4,809 |
| Cost of funding earning assets | 0.7444% | 1,779 |
| Net interest margin | 2.1122% | 4,847 |
| Noninterest income to average assets | 0.2287% | 4,126 |
| Noninterest expense to average assets | 1.4282% | 4,849 |
| Loan and lease loss provision to assets | 0.0172% | 4,115 |
| Net operating income to assets | 0.6100% | 3,728 |
| Return on assets (ROA) | 0.6187% | 3,810 |
| Pretax return on assets | 0.7968% | 3,658 |
| Return on Equity (ROE) | 5.5195% | 3,717 |
| Retained earnings to average equity (ytd only) | 5.5195% | 2,315 |
| Net charge-offs to loans | -0.0045% | 4,031 |
| Credit loss provision to net charge-offs | -733.3333% | 3,856 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0071% | 2,729 |
| Assets per employee ($millions) | 9.7543% | 552 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5753% | 4,758 |
| Loan loss allowance to noncurrent loans | 134.2857% | 2,879 |
| Noncurrent assets plus other real estate owned to assets | 0.2193% | 3,344 |
| Noncurrent loans to loans | 0.4284% | 2,769 |
| Net loans and leases to total assets | 50.8922% | 4,042 |
| Net loans and leases to deposits | 58.4023% | 4,146 |
| Net loans and leases to core deposits | 68.6760% | 3,722 |
| Total domestic deposits to total assets | 87.1407% | 1,612 |
| Equity capital to assets | 11.0971% | 2,325 |
| Core capital (leverage) ratio | 10.6697% | 2,125 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $168,510,750 | 3,192 |
| Average earning assets | $159,766,750 | 3,154 |
| Average equity | $18,890,000 | 3,293 |
| Average total loans | $88,787,250 | 3,438 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9941% | 4,843 |
| Cost of funding earning assets | 0.7967% | 1,842 |
| Net interest margin | 2.1973% | 4,882 |
| Noninterest income to average assets | 0.2299% | 4,110 |
| Noninterest expense to average assets | 1.4204% | 4,892 |
| Loan and lease loss provision to assets | 0.0205% | 3,986 |
| Net operating income to assets | 0.6656% | 3,524 |
| Return on assets (ROA) | 0.6789% | 3,576 |
| Pretax return on assets | 0.8907% | 3,338 |
| Return on Equity (ROE) | 6.0347% | 3,497 |
| Retained earnings to average equity (ytd only) | 6.0347% | 2,067 |
| Net charge-offs to loans | -0.0045% | 3,988 |
| Credit loss provision to net charge-offs | -850.0000% | 3,719 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3625% | 3,221 |
| Assets per employee ($millions) | 10.2913% | 464 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5791% | 4,764 |
| Loan loss allowance to noncurrent loans | 131.3625% | 2,806 |
| Noncurrent assets plus other real estate owned to assets | 0.2223% | 3,441 |
| Noncurrent loans to loans | 0.4408% | 2,836 |
| Net loans and leases to total assets | 50.1458% | 4,161 |
| Net loans and leases to deposits | 58.2601% | 4,207 |
| Net loans and leases to core deposits | 68.3300% | 3,841 |
| Total domestic deposits to total assets | 86.0722% | 1,978 |
| Equity capital to assets | 11.0225% | 2,321 |
| Core capital (leverage) ratio | 10.9193% | 2,028 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $166,155,333 | 3,190 |
| Average earning assets | $157,645,000 | 3,158 |
| Average equity | $18,692,000 | 3,303 |
| Average total loans | $88,425,667 | 3,448 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3708% | 4,757 |
| Cost of funding earning assets | 0.8623% | 2,046 |
| Net interest margin | 2.5085% | 4,820 |
| Noninterest income to average assets | 0.2547% | 4,023 |
| Noninterest expense to average assets | 1.4664% | 4,935 |
| Loan and lease loss provision to assets | 0.0223% | 3,527 |
| Net operating income to assets | 0.8530% | 2,696 |
| Return on assets (ROA) | 0.8803% | 2,687 |
| Pretax return on assets | 1.1746% | 2,289 |
| Return on Equity (ROE) | 7.7408% | 2,624 |
| Retained earnings to average equity (ytd only) | 7.7408% | 1,309 |
| Net charge-offs to loans | -0.0045% | 3,831 |
| Credit loss provision to net charge-offs | -900.0000% | 3,530 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.7855% | 4,227 |
| Assets per employee ($millions) | 9.0229% | 530 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5611% | 4,816 |
| Loan loss allowance to noncurrent loans | 128.3887% | 2,834 |
| Noncurrent assets plus other real estate owned to assets | 0.2407% | 3,495 |
| Noncurrent loans to loans | 0.4370% | 2,941 |
| Net loans and leases to total assets | 54.7817% | 3,927 |
| Net loans and leases to deposits | 64.9222% | 3,927 |
| Net loans and leases to core deposits | 75.3157% | 3,545 |
| Total domestic deposits to total assets | 84.3805% | 2,641 |
| Equity capital to assets | 11.5472% | 2,400 |
| Core capital (leverage) ratio | 11.3848% | 2,169 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $161,757,000 | 3,194 |
| Average earning assets | $153,078,500 | 3,162 |
| Average equity | $18,396,000 | 3,333 |
| Average total loans | $88,517,500 | 3,430 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3386% | 4,945 |
| Cost of funding earning assets | 0.8804% | 2,284 |
| Net interest margin | 2.4582% | 4,987 |
| Noninterest income to average assets | 0.2919% | 3,944 |
| Noninterest expense to average assets | 1.6906% | 4,878 |
| Loan and lease loss provision to assets | 0.0178% | 3,656 |
| Net operating income to assets | 0.6930% | 3,884 |
| Return on assets (ROA) | 0.6941% | 3,947 |
| Pretax return on assets | 0.8988% | 3,745 |
| Return on Equity (ROE) | 6.0768% | 3,893 |
| Retained earnings to average equity (ytd only) | 6.0768% | 1,826 |
| Net charge-offs to loans | 0.0091% | 3,358 |
| Credit loss provision to net charge-offs | 337.5000% | 821 |
| Earnings coverage of net charge-offs (x) | 173.2500% | 438 |
| Efficiency ratio | 64.8758% | 2,953 |
| Assets per employee ($millions) | 9.4766% | 419 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5619% | 4,801 |
| Loan loss allowance to noncurrent loans | 124.8731% | 2,911 |
| Noncurrent assets plus other real estate owned to assets | 0.2446% | 3,465 |
| Noncurrent loans to loans | 0.4500% | 2,827 |
| Net loans and leases to total assets | 54.0459% | 4,074 |
| Net loans and leases to deposits | 63.8589% | 4,083 |
| Net loans and leases to core deposits | 74.1391% | 3,710 |
| Total domestic deposits to total assets | 84.6333% | 2,632 |
| Equity capital to assets | 11.1966% | 2,820 |
| Core capital (leverage) ratio | 11.5477% | 2,076 |
| Tier 1 risk-based capital ratio | 25.4642% | 719 |
| Total risk-based capital ratio | 26.2190% | 738 |
| Memoranda: | ||
| Average total assets | $151,423,200 | 3,279 |
| Average earning assets | $142,542,800 | 3,249 |
| Average equity | $17,295,200 | 3,407 |
| Average total loans | $87,527,400 | 3,459 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4015% | 5,024 |
| Cost of funding earning assets | 0.8727% | 2,355 |
| Net interest margin | 2.5288% | 5,046 |
| Noninterest income to average assets | 0.2854% | 4,029 |
| Noninterest expense to average assets | 1.7180% | 4,905 |
| Loan and lease loss provision to assets | 0.0170% | 3,572 |
| Net operating income to assets | 0.7162% | 3,963 |
| Return on assets (ROA) | 0.7176% | 4,026 |
| Pretax return on assets | 0.9297% | 3,793 |
| Return on Equity (ROE) | 6.2498% | 3,970 |
| Retained earnings to average equity (ytd only) | 6.2498% | 2,248 |
| Net charge-offs to loans | 0.0107% | 2,985 |
| Credit loss provision to net charge-offs | 271.4286% | 1,024 |
| Earnings coverage of net charge-offs (x) | 150.9068% | 537 |
| Efficiency ratio | 64.5161% | 2,935 |
| Assets per employee ($millions) | 9.0689% | 471 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5537% | 4,892 |
| Loan loss allowance to noncurrent loans | 122.7848% | 2,969 |
| Noncurrent assets plus other real estate owned to assets | 0.2562% | 3,540 |
| Noncurrent loans to loans | 0.4510% | 2,953 |
| Net loans and leases to total assets | 56.4992% | 4,016 |
| Net loans and leases to deposits | 68.1965% | 3,906 |
| Net loans and leases to core deposits | 77.6623% | 3,580 |
| Total domestic deposits to total assets | 82.8477% | 3,213 |
| Equity capital to assets | 11.5300% | 2,641 |
| Core capital (leverage) ratio | 11.8133% | 1,988 |
| Tier 1 risk-based capital ratio | 25.9335% | 711 |
| Total risk-based capital ratio | 26.7027% | 729 |
| Memoranda: | ||
| Average total assets | $149,003,500 | 3,344 |
| Average earning assets | $140,090,750 | 3,310 |
| Average equity | $17,109,500 | 3,448 |
| Average total loans | $87,519,000 | 3,501 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4449% | 5,047 |
| Cost of funding earning assets | 0.8569% | 2,369 |
| Net interest margin | 2.5880% | 5,081 |
| Noninterest income to average assets | 0.2879% | 4,014 |
| Noninterest expense to average assets | 1.7436% | 4,934 |
| Loan and lease loss provision to assets | 0.0217% | 3,369 |
| Net operating income to assets | 0.7241% | 3,921 |
| Return on assets (ROA) | 0.7251% | 3,979 |
| Pretax return on assets | 0.9560% | 3,691 |
| Return on Equity (ROE) | 6.3243% | 3,936 |
| Retained earnings to average equity (ytd only) | 6.3243% | 2,130 |
| Net charge-offs to loans | 0.0229% | 2,389 |
| Credit loss provision to net charge-offs | 160.0000% | 1,427 |
| Earnings coverage of net charge-offs (x) | 71.9000% | 877 |
| Efficiency ratio | 64.1038% | 3,116 |
| Assets per employee ($millions) | 8.2971% | 602 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5509% | 4,951 |
| Loan loss allowance to noncurrent loans | 121.2658% | 3,004 |
| Noncurrent assets plus other real estate owned to assets | 0.2645% | 3,508 |
| Noncurrent loans to loans | 0.4543% | 2,917 |
| Net loans and leases to total assets | 57.8943% | 3,925 |
| Net loans and leases to deposits | 70.1756% | 3,828 |
| Net loans and leases to core deposits | 76.3627% | 3,697 |
| Total domestic deposits to total assets | 82.4993% | 3,374 |
| Equity capital to assets | 11.6667% | 2,474 |
| Core capital (leverage) ratio | 11.7088% | 2,014 |
| Tier 1 risk-based capital ratio | 25.7428% | 706 |
| Total risk-based capital ratio | 26.5094% | 721 |
| Memoranda: | ||
| Average total assets | $147,280,670 | 3,385 |
| Average earning assets | $138,408,670 | 3,352 |
| Average equity | $16,887,330 | 3,473 |
| Average total loans | $87,495,000 | 3,515 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4495% | 5,082 |
| Cost of funding earning assets | 0.8274% | 2,383 |
| Net interest margin | 2.6221% | 5,123 |
| Noninterest income to average assets | 0.2872% | 3,954 |
| Noninterest expense to average assets | 1.8188% | 4,905 |
| Loan and lease loss provision to assets | 0.0137% | 3,258 |
| Net operating income to assets | 0.6947% | 3,955 |
| Return on assets (ROA) | 0.6947% | 3,997 |
| Pretax return on assets | 0.9163% | 3,714 |
| Return on Equity (ROE) | 6.1135% | 3,982 |
| Retained earnings to average equity (ytd only) | 6.1135% | 2,410 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1692% | 2,922 |
| Assets per employee ($millions) | 8.7102% | 524 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5516% | 5,018 |
| Loan loss allowance to noncurrent loans | 119.7995% | 3,072 |
| Noncurrent assets plus other real estate owned to assets | 0.2695% | 3,534 |
| Noncurrent loans to loans | 0.4605% | 2,933 |
| Net loans and leases to total assets | 58.1973% | 3,866 |
| Net loans and leases to deposits | 70.4182% | 3,742 |
| Net loans and leases to core deposits | 76.1405% | 3,653 |
| Total domestic deposits to total assets | 82.6452% | 3,524 |
| Equity capital to assets | 11.4186% | 2,474 |
| Core capital (leverage) ratio | 11.7973% | 1,910 |
| Tier 1 risk-based capital ratio | 25.3478% | 735 |
| Total risk-based capital ratio | 26.1150% | 757 |
| Memoranda: | ||
| Average total assets | $146,247,000 | 3,431 |
| Average earning assets | $137,296,500 | 3,407 |
| Average equity | $16,619,000 | 3,513 |
| Average total loans | $87,771,000 | 3,544 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3211% | 5,063 |
| Cost of funding earning assets | 0.6673% | 2,286 |
| Net interest margin | 2.6538% | 5,123 |
| Noninterest income to average assets | 0.2983% | 4,112 |
| Noninterest expense to average assets | 1.7847% | 5,016 |
| Loan and lease loss provision to assets | 0.0366% | 3,464 |
| Net operating income to assets | 0.7204% | 4,079 |
| Return on assets (ROA) | 0.7113% | 4,111 |
| Pretax return on assets | 0.9207% | 3,842 |
| Return on Equity (ROE) | 6.2901% | 4,072 |
| Retained earnings to average equity (ytd only) | 6.2901% | 2,043 |
| Net charge-offs to loans | 0.0036% | 3,600 |
| Credit loss provision to net charge-offs | 1,700.0000% | 253 |
| Earnings coverage of net charge-offs (x) | 450.3333% | 232 |
| Efficiency ratio | 64.8177% | 3,062 |
| Assets per employee ($millions) | 9.0263% | 464 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5321% | 5,089 |
| Loan loss allowance to noncurrent loans | 103.9560% | 3,360 |
| Noncurrent assets plus other real estate owned to assets | 0.3151% | 3,293 |
| Noncurrent loans to loans | 0.5119% | 2,746 |
| Net loans and leases to total assets | 61.2214% | 3,646 |
| Net loans and leases to deposits | 74.1633% | 3,490 |
| Net loans and leases to core deposits | 80.3030% | 3,406 |
| Total domestic deposits to total assets | 82.5495% | 3,466 |
| Equity capital to assets | 11.3073% | 2,410 |
| Core capital (leverage) ratio | 11.7962% | 1,877 |
| Tier 1 risk-based capital ratio | 24.3401% | 794 |
| Total risk-based capital ratio | 25.0777% | 823 |
| Memoranda: | ||
| Average total assets | $139,461,000 | 3,512 |
| Average earning assets | $129,023,600 | 3,506 |
| Average equity | $15,770,800 | 3,536 |
| Average total loans | $82,574,600 | 3,614 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2856% | 5,133 |
| Cost of funding earning assets | 0.6299% | 2,274 |
| Net interest margin | 2.6557% | 5,192 |
| Noninterest income to average assets | 0.2884% | 4,227 |
| Noninterest expense to average assets | 1.8270% | 5,006 |
| Loan and lease loss provision to assets | 0.0328% | 3,360 |
| Net operating income to assets | 0.6809% | 4,285 |
| Return on assets (ROA) | 0.6694% | 4,333 |
| Pretax return on assets | 0.8624% | 4,139 |
| Return on Equity (ROE) | 5.9197% | 4,284 |
| Retained earnings to average equity (ytd only) | 5.9197% | 2,693 |
| Net charge-offs to loans | 0.0049% | 3,264 |
| Credit loss provision to net charge-offs | 1,133.3333% | 370 |
| Earnings coverage of net charge-offs (x) | 314.3250% | 298 |
| Efficiency ratio | 66.7607% | 2,757 |
| Assets per employee ($millions) | 8.1544% | 616 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5352% | 5,143 |
| Loan loss allowance to noncurrent loans | 772.8814% | 742 |
| Noncurrent assets plus other real estate owned to assets | 0.0426% | 4,761 |
| Noncurrent loans to loans | 0.0692% | 4,566 |
| Net loans and leases to total assets | 61.1354% | 3,737 |
| Net loans and leases to deposits | 74.4228% | 3,555 |
| Net loans and leases to core deposits | 80.8859% | 3,418 |
| Total domestic deposits to total assets | 82.1461% | 3,567 |
| Equity capital to assets | 11.4179% | 2,319 |
| Core capital (leverage) ratio | 11.8410% | 1,886 |
| Tier 1 risk-based capital ratio | 24.5889% | 791 |
| Total risk-based capital ratio | 25.3237% | 815 |
| Memoranda: | ||
| Average total assets | $138,221,000 | 3,566 |
| Average earning assets | $127,422,000 | 3,571 |
| Average equity | $15,631,000 | 3,574 |
| Average total loans | $80,996,000 | 3,676 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2300% | 5,200 |
| Cost of funding earning assets | 0.5788% | 2,368 |
| Net interest margin | 2.6512% | 5,251 |
| Noninterest income to average assets | 0.2839% | 4,282 |
| Noninterest expense to average assets | 1.8119% | 5,077 |
| Loan and lease loss provision to assets | 0.0333% | 3,252 |
| Net operating income to assets | 0.6715% | 4,280 |
| Return on assets (ROA) | 0.6532% | 4,346 |
| Pretax return on assets | 0.8502% | 4,113 |
| Return on Equity (ROE) | 5.7949% | 4,309 |
| Retained earnings to average equity (ytd only) | 5.7949% | 2,670 |
| Net charge-offs to loans | 0.0050% | 2,989 |
| Credit loss provision to net charge-offs | 1,150.0000% | 364 |
| Earnings coverage of net charge-offs (x) | 313.0000% | 296 |
| Efficiency ratio | 66.6489% | 2,869 |
| Assets per employee ($millions) | 8.1594% | 594 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5389% | 5,208 |
| Loan loss allowance to noncurrent loans | 1,858.3333% | 355 |
| Noncurrent assets plus other real estate owned to assets | 0.0173% | 4,946 |
| Noncurrent loans to loans | 0.0290% | 4,792 |
| Net loans and leases to total assets | 59.3415% | 3,867 |
| Net loans and leases to deposits | 72.1358% | 3,707 |
| Net loans and leases to core deposits | 78.3946% | 3,539 |
| Total domestic deposits to total assets | 82.2636% | 3,641 |
| Equity capital to assets | 11.3028% | 2,359 |
| Core capital (leverage) ratio | 11.8434% | 1,813 |
| Tier 1 risk-based capital ratio | 24.6828% | 764 |
| Total risk-based capital ratio | 25.4131% | 792 |
| Memoranda: | ||
| Average total assets | $138,086,330 | 3,596 |
| Average earning assets | $126,812,670 | 3,606 |
| Average equity | $15,565,330 | 3,603 |
| Average total loans | $79,593,000 | 3,721 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2032% | 5,233 |
| Cost of funding earning assets | 0.5482% | 2,418 |
| Net interest margin | 2.6550% | 5,285 |
| Noninterest income to average assets | 0.2932% | 4,202 |
| Noninterest expense to average assets | 1.8697% | 5,071 |
| Loan and lease loss provision to assets | 0.0319% | 3,083 |
| Net operating income to assets | 0.6290% | 4,340 |
| Return on assets (ROA) | 0.5923% | 4,450 |
| Pretax return on assets | 0.7636% | 4,244 |
| Return on Equity (ROE) | 5.2615% | 4,396 |
| Retained earnings to average equity (ytd only) | 5.2615% | 3,053 |
| Net charge-offs to loans | 0.0103% | 2,381 |
| Credit loss provision to net charge-offs | 550.0000% | 551 |
| Earnings coverage of net charge-offs (x) | 145.0000% | 444 |
| Efficiency ratio | 68.9507% | 2,677 |
| Assets per employee ($millions) | 8.0916% | 608 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5432% | 5,268 |
| Loan loss allowance to noncurrent loans | 1,669.2308% | 389 |
| Noncurrent assets plus other real estate owned to assets | 0.0189% | 5,020 |
| Noncurrent loans to loans | 0.0325% | 4,828 |
| Net loans and leases to total assets | 57.7625% | 3,962 |
| Net loans and leases to deposits | 70.2382% | 3,773 |
| Net loans and leases to core deposits | 75.8156% | 3,683 |
| Total domestic deposits to total assets | 82.2380% | 3,888 |
| Equity capital to assets | 11.2542% | 2,342 |
| Core capital (leverage) ratio | 11.6692% | 1,880 |
| Tier 1 risk-based capital ratio | 24.8252% | 759 |
| Total risk-based capital ratio | 25.5524% | 793 |
| Memoranda: | ||
| Average total assets | $137,775,000 | 3,637 |
| Average earning assets | $125,500,000 | 3,656 |
| Average equity | $15,509,000 | 3,643 |
| Average total loans | $78,010,500 | 3,778 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9248% | 5,399 |
| Cost of funding earning assets | 0.4681% | 2,615 |
| Net interest margin | 2.4567% | 5,433 |
| Noninterest income to average assets | 0.2969% | 4,324 |
| Noninterest expense to average assets | 1.7592% | 5,275 |
| Loan and lease loss provision to assets | 0.0190% | 3,923 |
| Net operating income to assets | 0.5151% | 4,339 |
| Return on assets (ROA) | 0.5286% | 4,331 |
| Pretax return on assets | 0.8306% | 4,160 |
| Return on Equity (ROE) | 4.7250% | 4,281 |
| Retained earnings to average equity (ytd only) | 4.7250% | 2,307 |
| Net charge-offs to loans | 0.0725% | 2,413 |
| Credit loss provision to net charge-offs | 47.2727% | 3,361 |
| Earnings coverage of net charge-offs (x) | 20.6000% | 1,959 |
| Efficiency ratio | 67.9853% | 2,896 |
| Assets per employee ($millions) | 8.1172% | 614 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5583% | 5,312 |
| Loan loss allowance to noncurrent loans | 227.2727% | 2,069 |
| Noncurrent assets plus other real estate owned to assets | 0.1355% | 4,463 |
| Noncurrent loans to loans | 0.2456% | 3,914 |
| Net loans and leases to total assets | 54.8619% | 4,280 |
| Net loans and leases to deposits | 66.7864% | 4,126 |
| Net loans and leases to core deposits | 71.9185% | 4,052 |
| Total domestic deposits to total assets | 82.1453% | 3,834 |
| Equity capital to assets | 11.2593% | 2,392 |
| Core capital (leverage) ratio | 11.6703% | 1,815 |
| Tier 1 risk-based capital ratio | 25.3081% | 701 |
| Total risk-based capital ratio | 26.0497% | 723 |
| Memoranda: | ||
| Average total assets | $136,765,600 | 3,655 |
| Average earning assets | $127,528,400 | 3,619 |
| Average equity | $15,301,600 | 3,682 |
| Average total loans | $75,850,600 | 3,823 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9119% | 5,475 |
| Cost of funding earning assets | 0.4537% | 2,685 |
| Net interest margin | 2.4582% | 5,499 |
| Noninterest income to average assets | 0.2902% | 4,455 |
| Noninterest expense to average assets | 1.7880% | 5,286 |
| Loan and lease loss provision to assets | 0.0215% | 3,720 |
| Net operating income to assets | 0.5541% | 4,559 |
| Return on assets (ROA) | 0.5745% | 4,530 |
| Pretax return on assets | 0.8012% | 4,344 |
| Return on Equity (ROE) | 5.1433% | 4,473 |
| Retained earnings to average equity (ytd only) | 5.1433% | 2,781 |
| Net charge-offs to loans | 0.0950% | 1,842 |
| Credit loss provision to net charge-offs | 40.7407% | 2,996 |
| Earnings coverage of net charge-offs (x) | 15.0551% | 2,256 |
| Efficiency ratio | 69.2395% | 2,666 |
| Assets per employee ($millions) | 7.9819% | 637 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5628% | 5,389 |
| Loan loss allowance to noncurrent loans | 260.4938% | 1,787 |
| Noncurrent assets plus other real estate owned to assets | 0.1194% | 4,647 |
| Noncurrent loans to loans | 0.2160% | 4,197 |
| Net loans and leases to total assets | 54.9498% | 4,329 |
| Net loans and leases to deposits | 67.1733% | 4,170 |
| Net loans and leases to core deposits | 72.4489% | 4,101 |
| Total domestic deposits to total assets | 81.8030% | 3,830 |
| Equity capital to assets | 11.5032% | 2,369 |
| Core capital (leverage) ratio | 11.5337% | 1,994 |
| Tier 1 risk-based capital ratio | 25.1735% | 733 |
| Total risk-based capital ratio | 25.9127% | 775 |
| Memoranda: | ||
| Average total assets | $136,459,000 | 3,697 |
| Average earning assets | $127,245,750 | 3,660 |
| Average equity | $15,242,750 | 3,723 |
| Average total loans | $75,780,750 | 3,862 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8690% | 5,524 |
| Cost of funding earning assets | 0.4423% | 2,674 |
| Net interest margin | 2.4266% | 5,551 |
| Noninterest income to average assets | 0.2721% | 4,599 |
| Noninterest expense to average assets | 1.7569% | 5,361 |
| Loan and lease loss provision to assets | 0.0278% | 3,447 |
| Net operating income to assets | 0.5388% | 4,579 |
| Return on assets (ROA) | 0.5661% | 4,497 |
| Pretax return on assets | 0.7885% | 4,316 |
| Return on Equity (ROE) | 5.1188% | 4,425 |
| Retained earnings to average equity (ytd only) | 5.1188% | 2,627 |
| Net charge-offs to loans | 0.1394% | 1,317 |
| Credit loss provision to net charge-offs | 35.8491% | 2,676 |
| Earnings coverage of net charge-offs (x) | 10.0377% | 2,377 |
| Efficiency ratio | 69.3018% | 2,802 |
| Assets per employee ($millions) | 8.1845% | 572 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5422% | 5,464 |
| Loan loss allowance to noncurrent loans | 254.5455% | 1,810 |
| Noncurrent assets plus other real estate owned to assets | 0.1186% | 4,721 |
| Noncurrent loans to loans | 0.2130% | 4,269 |
| Net loans and leases to total assets | 55.3713% | 4,281 |
| Net loans and leases to deposits | 67.2257% | 4,128 |
| Net loans and leases to core deposits | 72.2619% | 4,075 |
| Total domestic deposits to total assets | 82.3663% | 3,780 |
| Equity capital to assets | 11.1013% | 2,704 |
| Core capital (leverage) ratio | 11.2508% | 2,179 |
| Tier 1 risk-based capital ratio | 24.3012% | 824 |
| Total risk-based capital ratio | 25.0083% | 863 |
| Memoranda: | ||
| Average total assets | $136,714,330 | 3,713 |
| Average earning assets | $127,503,000 | 3,677 |
| Average equity | $15,120,670 | 3,744 |
| Average total loans | $76,046,000 | 3,880 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8445% | 5,575 |
| Cost of funding earning assets | 0.4245% | 2,775 |
| Net interest margin | 2.4201% | 5,609 |
| Noninterest income to average assets | 0.2745% | 4,582 |
| Noninterest expense to average assets | 1.8125% | 5,357 |
| Loan and lease loss provision to assets | 0.0325% | 3,137 |
| Net operating income to assets | 0.4963% | 4,611 |
| Return on assets (ROA) | 0.5048% | 4,610 |
| Pretax return on assets | 0.6967% | 4,462 |
| Return on Equity (ROE) | 4.5728% | 4,578 |
| Retained earnings to average equity (ytd only) | 4.5728% | 3,140 |
| Net charge-offs to loans | 0.2708% | 675 |
| Credit loss provision to net charge-offs | 21.5686% | 2,164 |
| Earnings coverage of net charge-offs (x) | 4.7647% | 2,349 |
| Efficiency ratio | 71.6453% | 2,639 |
| Assets per employee ($millions) | 8.0495% | 606 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5474% | 5,545 |
| Loan loss allowance to noncurrent loans | 244.9704% | 1,913 |
| Noncurrent assets plus other real estate owned to assets | 0.1235% | 4,767 |
| Noncurrent loans to loans | 0.2235% | 4,308 |
| Net loans and leases to total assets | 54.9634% | 4,256 |
| Net loans and leases to deposits | 66.8709% | 4,102 |
| Net loans and leases to core deposits | 71.9755% | 3,989 |
| Total domestic deposits to total assets | 82.1933% | 4,113 |
| Equity capital to assets | 11.0346% | 2,594 |
| Core capital (leverage) ratio | 11.1846% | 2,202 |
| Tier 1 risk-based capital ratio | 24.3245% | 836 |
| Total risk-based capital ratio | 25.0329% | 870 |
| Memoranda: | ||
| Average total assets | $135,503,000 | 3,764 |
| Average earning assets | $126,277,000 | 3,730 |
| Average equity | $14,958,000 | 3,793 |
| Average total loans | $75,338,000 | 3,921 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8920% | 5,585 |
| Cost of funding earning assets | 0.4066% | 2,942 |
| Net interest margin | 2.4854% | 5,595 |
| Noninterest income to average assets | 0.3161% | 4,470 |
| Noninterest expense to average assets | 1.7991% | 5,473 |
| Loan and lease loss provision to assets | 0.0260% | 3,830 |
| Net operating income to assets | 0.5747% | 4,326 |
| Return on assets (ROA) | 0.6002% | 4,316 |
| Pretax return on assets | 0.8423% | 4,041 |
| Return on Equity (ROE) | 5.3220% | 4,262 |
| Retained earnings to average equity (ytd only) | 5.3220% | 2,115 |
| Net charge-offs to loans | 0.0027% | 4,174 |
| Credit loss provision to net charge-offs | 1,700.0000% | 256 |
| Earnings coverage of net charge-offs (x) | 545.0000% | 154 |
| Efficiency ratio | 68.3691% | 3,176 |
| Assets per employee ($millions) | 8.3853% | 519 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6049% | 5,519 |
| Loan loss allowance to noncurrent loans | 127.8873% | 3,132 |
| Noncurrent assets plus other real estate owned to assets | 0.2646% | 4,227 |
| Noncurrent loans to loans | 0.4730% | 3,455 |
| Net loans and leases to total assets | 55.5999% | 4,303 |
| Net loans and leases to deposits | 67.9149% | 4,089 |
| Net loans and leases to core deposits | 72.7934% | 4,029 |
| Total domestic deposits to total assets | 81.8670% | 4,110 |
| Equity capital to assets | 11.0432% | 2,601 |
| Core capital (leverage) ratio | 11.2451% | 2,129 |
| Tier 1 risk-based capital ratio | 24.3115% | 841 |
| Total risk-based capital ratio | 25.0923% | 867 |
| Memoranda: | ||
| Average total assets | $130,958,000 | 3,816 |
| Average earning assets | $121,992,400 | 3,791 |
| Average equity | $14,769,000 | 3,838 |
| Average total loans | $75,005,200 | 3,922 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9165% | 5,639 |
| Cost of funding earning assets | 0.4044% | 2,977 |
| Net interest margin | 2.5121% | 5,649 |
| Noninterest income to average assets | 0.3298% | 4,424 |
| Noninterest expense to average assets | 1.8623% | 5,442 |
| Loan and lease loss provision to assets | 0.0215% | 3,811 |
| Net operating income to assets | 0.5600% | 4,457 |
| Return on assets (ROA) | 0.5941% | 4,426 |
| Pretax return on assets | 0.8359% | 4,199 |
| Return on Equity (ROE) | 5.2402% | 4,416 |
| Retained earnings to average equity (ytd only) | 5.2402% | 2,673 |
| Net charge-offs to loans | 0.0036% | 3,802 |
| Credit loss provision to net charge-offs | 1,050.0000% | 386 |
| Earnings coverage of net charge-offs (x) | 394.4981% | 228 |
| Efficiency ratio | 69.7086% | 2,936 |
| Assets per employee ($millions) | 8.3193% | 517 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5913% | 5,620 |
| Loan loss allowance to noncurrent loans | 237.0968% | 1,977 |
| Noncurrent assets plus other real estate owned to assets | 0.1397% | 4,874 |
| Noncurrent loans to loans | 0.2494% | 4,373 |
| Net loans and leases to total assets | 55.6957% | 4,340 |
| Net loans and leases to deposits | 68.4568% | 4,110 |
| Net loans and leases to core deposits | 72.9857% | 4,089 |
| Total domestic deposits to total assets | 81.3589% | 4,147 |
| Equity capital to assets | 11.3298% | 2,675 |
| Core capital (leverage) ratio | 11.2836% | 2,203 |
| Tier 1 risk-based capital ratio | 24.0637% | 898 |
| Total risk-based capital ratio | 24.8261% | 923 |
| Memoranda: | ||
| Average total assets | $130,156,500 | 3,846 |
| Average earning assets | $121,329,250 | 3,827 |
| Average equity | $14,757,250 | 3,870 |
| Average total loans | $74,994,250 | 3,954 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9536% | 5,686 |
| Cost of funding earning assets | 0.4008% | 3,038 |
| Net interest margin | 2.5528% | 5,707 |
| Noninterest income to average assets | 0.3391% | 4,351 |
| Noninterest expense to average assets | 1.8704% | 5,501 |
| Loan and lease loss provision to assets | 0.0217% | 3,695 |
| Net operating income to assets | 0.5727% | 4,386 |
| Return on assets (ROA) | 0.6193% | 4,319 |
| Pretax return on assets | 0.8903% | 3,989 |
| Return on Equity (ROE) | 5.4610% | 4,306 |
| Retained earnings to average equity (ytd only) | 5.4610% | 2,445 |
| Net charge-offs to loans | 0.0027% | 3,613 |
| Credit loss provision to net charge-offs | 1,400.0000% | 281 |
| Earnings coverage of net charge-offs (x) | 546.0000% | 123 |
| Efficiency ratio | 68.8712% | 3,177 |
| Assets per employee ($millions) | 8.1498% | 534 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5773% | 5,710 |
| Loan loss allowance to noncurrent loans | 439.3939% | 1,180 |
| Noncurrent assets plus other real estate owned to assets | 0.0759% | 5,229 |
| Noncurrent loans to loans | 0.1314% | 4,912 |
| Net loans and leases to total assets | 57.4565% | 4,175 |
| Net loans and leases to deposits | 70.9567% | 3,891 |
| Net loans and leases to core deposits | 75.7696% | 3,840 |
| Total domestic deposits to total assets | 80.9741% | 4,287 |
| Equity capital to assets | 11.4267% | 2,622 |
| Core capital (leverage) ratio | 11.3744% | 2,080 |
| Tier 1 risk-based capital ratio | 23.9426% | 911 |
| Total risk-based capital ratio | 24.6991% | 945 |
| Memoranda: | ||
| Average total assets | $129,172,330 | 3,901 |
| Average earning assets | $120,261,000 | 3,871 |
| Average equity | $14,649,330 | 3,904 |
| Average total loans | $75,133,330 | 3,975 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9781% | 5,705 |
| Cost of funding earning assets | 0.3982% | 3,090 |
| Net interest margin | 2.5799% | 5,740 |
| Noninterest income to average assets | 0.3360% | 4,327 |
| Noninterest expense to average assets | 1.9415% | 5,456 |
| Loan and lease loss provision to assets | 0.0218% | 3,400 |
| Net operating income to assets | 0.5538% | 4,397 |
| Return on assets (ROA) | 0.5538% | 4,501 |
| Pretax return on assets | 0.7716% | 4,294 |
| Return on Equity (ROE) | 4.9022% | 4,528 |
| Retained earnings to average equity (ytd only) | 4.9022% | 2,998 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9898% | 2,961 |
| Assets per employee ($millions) | 8.1066% | 544 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5760% | 5,779 |
| Loan loss allowance to noncurrent loans | 433.3333% | 1,179 |
| Noncurrent assets plus other real estate owned to assets | 0.0763% | 5,272 |
| Noncurrent loans to loans | 0.1329% | 4,944 |
| Net loans and leases to total assets | 57.0895% | 4,137 |
| Net loans and leases to deposits | 70.4133% | 3,820 |
| Net loans and leases to core deposits | 75.2008% | 3,760 |
| Total domestic deposits to total assets | 81.0778% | 4,477 |
| Equity capital to assets | 11.3026% | 2,624 |
| Core capital (leverage) ratio | 11.3314% | 2,114 |
| Tier 1 risk-based capital ratio | 24.1696% | 896 |
| Total risk-based capital ratio | 24.9299% | 942 |
| Memoranda: | ||
| Average total assets | $128,560,500 | 3,936 |
| Average earning assets | $119,540,000 | 3,921 |
| Average equity | $14,524,000 | 3,927 |
| Average total loans | $75,022,000 | 3,998 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0025% | 5,723 |
| Cost of funding earning assets | 0.3911% | 3,254 |
| Net interest margin | 2.6115% | 5,744 |
| Noninterest income to average assets | 0.3509% | 4,394 |
| Noninterest expense to average assets | 1.8817% | 5,638 |
| Loan and lease loss provision to assets | 0.0366% | 3,613 |
| Net operating income to assets | 0.6313% | 4,131 |
| Return on assets (ROA) | 0.6564% | 4,102 |
| Pretax return on assets | 0.8728% | 3,944 |
| Return on Equity (ROE) | 5.8701% | 4,090 |
| Retained earnings to average equity (ytd only) | 5.8701% | 1,858 |
| Net charge-offs to loans | 0.0783% | 2,698 |
| Credit loss provision to net charge-offs | 80.7018% | 2,935 |
| Earnings coverage of net charge-offs (x) | 19.3158% | 1,956 |
| Efficiency ratio | 68.2343% | 3,522 |
| Assets per employee ($millions) | 7.4951% | 705 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5584% | 5,864 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 58.9761% | 3,974 |
| Net loans and leases to deposits | 72.9358% | 3,623 |
| Net loans and leases to core deposits | 77.7520% | 3,573 |
| Total domestic deposits to total assets | 80.8603% | 4,523 |
| Equity capital to assets | 11.2921% | 2,549 |
| Core capital (leverage) ratio | 11.1835% | 2,233 |
| Tier 1 risk-based capital ratio | 23.4162% | 964 |
| Total risk-based capital ratio | 24.1521% | 1,013 |
| Memoranda: | ||
| Average total assets | $125,686,800 | 3,967 |
| Average earning assets | $115,835,200 | 3,966 |
| Average equity | $14,054,200 | 3,964 |
| Average total loans | $72,807,200 | 4,024 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0119% | 5,803 |
| Cost of funding earning assets | 0.3888% | 3,343 |
| Net interest margin | 2.6231% | 5,811 |
| Noninterest income to average assets | 0.3502% | 4,438 |
| Noninterest expense to average assets | 1.8767% | 5,676 |
| Loan and lease loss provision to assets | 0.0383% | 3,441 |
| Net operating income to assets | 0.6274% | 4,253 |
| Return on assets (ROA) | 0.6376% | 4,310 |
| Pretax return on assets | 0.8622% | 4,128 |
| Return on Equity (ROE) | 5.7166% | 4,288 |
| Retained earnings to average equity (ytd only) | 5.7166% | 2,429 |
| Net charge-offs to loans | 0.1035% | 2,101 |
| Credit loss provision to net charge-offs | 64.2857% | 2,853 |
| Earnings coverage of net charge-offs (x) | 14.8760% | 2,222 |
| Efficiency ratio | 67.9122% | 3,562 |
| Assets per employee ($millions) | 7.4355% | 711 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5496% | 5,965 |
| Loan loss allowance to noncurrent loans | 1,966.6667% | 329 |
| Noncurrent assets plus other real estate owned to assets | 0.0166% | 5,733 |
| Noncurrent loans to loans | 0.0279% | 5,516 |
| Net loans and leases to total assets | 59.1196% | 3,996 |
| Net loans and leases to deposits | 73.2443% | 3,623 |
| Net loans and leases to core deposits | 77.9361% | 3,613 |
| Total domestic deposits to total assets | 80.7156% | 4,541 |
| Equity capital to assets | 11.2853% | 2,717 |
| Core capital (leverage) ratio | 11.0738% | 2,409 |
| Tier 1 risk-based capital ratio | 23.4841% | 1,001 |
| Total risk-based capital ratio | 24.2190% | 1,042 |
| Memoranda: | ||
| Average total assets | $125,254,500 | 4,017 |
| Average earning assets | $115,230,750 | 4,019 |
| Average equity | $13,970,750 | 4,025 |
| Average total loans | $72,117,250 | 4,078 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9960% | 5,860 |
| Cost of funding earning assets | 0.3880% | 3,392 |
| Net interest margin | 2.6080% | 5,875 |
| Noninterest income to average assets | 0.3492% | 4,462 |
| Noninterest expense to average assets | 1.9156% | 5,686 |
| Loan and lease loss provision to assets | 0.0368% | 3,384 |
| Net operating income to assets | 0.5958% | 4,369 |
| Return on assets (ROA) | 0.5958% | 4,458 |
| Pretax return on assets | 0.7976% | 4,321 |
| Return on Equity (ROE) | 5.3631% | 4,445 |
| Retained earnings to average equity (ytd only) | 5.3631% | 2,631 |
| Net charge-offs to loans | 0.1575% | 1,532 |
| Credit loss provision to net charge-offs | 41.0714% | 2,797 |
| Earnings coverage of net charge-offs (x) | 9.3036% | 2,467 |
| Efficiency ratio | 69.6564% | 3,396 |
| Assets per employee ($millions) | 7.4224% | 686 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5434% | 6,051 |
| Loan loss allowance to noncurrent loans | 1,666.6667% | 347 |
| Noncurrent assets plus other real estate owned to assets | 0.0190% | 5,820 |
| Noncurrent loans to loans | 0.0326% | 5,622 |
| Net loans and leases to total assets | 58.0227% | 4,095 |
| Net loans and leases to deposits | 71.7022% | 3,745 |
| Net loans and leases to core deposits | 75.9621% | 3,775 |
| Total domestic deposits to total assets | 80.9217% | 4,634 |
| Equity capital to assets | 11.0707% | 2,819 |
| Core capital (leverage) ratio | 11.1186% | 2,315 |
| Tier 1 risk-based capital ratio | 23.4931% | 1,008 |
| Total risk-based capital ratio | 24.2182% | 1,062 |
| Memoranda: | ||
| Average total assets | $124,871,670 | 4,057 |
| Average earning assets | $114,953,330 | 4,051 |
| Average equity | $13,872,670 | 4,064 |
| Average total loans | $71,109,000 | 4,132 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9859% | 5,909 |
| Cost of funding earning assets | 0.3855% | 3,464 |
| Net interest margin | 2.6004% | 5,925 |
| Noninterest income to average assets | 0.3446% | 4,443 |
| Noninterest expense to average assets | 1.8999% | 5,758 |
| Loan and lease loss provision to assets | 0.0483% | 2,964 |
| Net operating income to assets | 0.5861% | 4,336 |
| Return on assets (ROA) | 0.5861% | 4,437 |
| Pretax return on assets | 0.7857% | 4,291 |
| Return on Equity (ROE) | 5.2660% | 4,394 |
| Retained earnings to average equity (ytd only) | 5.2660% | 2,907 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4935% | 3,577 |
| Assets per employee ($millions) | 7.4329% | 697 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6230% | 6,029 |
| Loan loss allowance to noncurrent loans | 238.2979% | 1,924 |
| Noncurrent assets plus other real estate owned to assets | 0.1488% | 5,358 |
| Noncurrent loans to loans | 0.2614% | 4,846 |
| Net loans and leases to total assets | 56.5535% | 4,143 |
| Net loans and leases to deposits | 69.9864% | 3,750 |
| Net loans and leases to core deposits | 76.6017% | 3,531 |
| Total domestic deposits to total assets | 80.8064% | 4,863 |
| Equity capital to assets | 11.0462% | 2,925 |
| Core capital (leverage) ratio | 10.9343% | 2,481 |
| Tier 1 risk-based capital ratio | 23.5217% | 1,046 |
| Total risk-based capital ratio | 24.3409% | 1,074 |
| Memoranda: | ||
| Average total assets | $124,217,500 | 4,100 |
| Average earning assets | $114,135,500 | 4,099 |
| Average equity | $13,824,500 | 4,098 |
| Average total loans | $69,857,000 | 4,184 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0802% | 5,983 |
| Cost of funding earning assets | 0.4307% | 3,375 |
| Net interest margin | 2.6495% | 6,013 |
| Noninterest income to average assets | 0.3644% | 4,485 |
| Noninterest expense to average assets | 1.9082% | 5,923 |
| Loan and lease loss provision to assets | 0.0290% | 4,027 |
| Net operating income to assets | 0.6445% | 4,171 |
| Return on assets (ROA) | 0.6452% | 4,266 |
| Pretax return on assets | 0.8481% | 4,086 |
| Return on Equity (ROE) | 5.8991% | 4,198 |
| Retained earnings to average equity (ytd only) | 5.8991% | 1,985 |
| Net charge-offs to loans | 0.0015% | 4,949 |
| Credit loss provision to net charge-offs | 3,500.0000% | 82 |
| Earnings coverage of net charge-offs (x) | 1,058.0000% | 39 |
| Efficiency ratio | 68.5306% | 3,799 |
| Assets per employee ($millions) | 7.1809% | 766 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6386% | 6,089 |
| Loan loss allowance to noncurrent loans | 1,968.1818% | 332 |
| Noncurrent assets plus other real estate owned to assets | 0.0180% | 5,976 |
| Noncurrent loans to loans | 0.0324% | 5,758 |
| Net loans and leases to total assets | 55.1890% | 4,422 |
| Net loans and leases to deposits | 69.0223% | 4,027 |
| Net loans and leases to core deposits | 73.5093% | 3,964 |
| Total domestic deposits to total assets | 79.9582% | 5,031 |
| Equity capital to assets | 11.2152% | 2,681 |
| Core capital (leverage) ratio | 11.1122% | 2,299 |
| Tier 1 risk-based capital ratio | 23.9430% | 965 |
| Total risk-based capital ratio | 24.7614% | 986 |
| Memoranda: | ||
| Average total assets | $120,744,600 | 4,163 |
| Average earning assets | $110,286,200 | 4,176 |
| Average equity | $13,205,400 | 4,153 |
| Average total loans | $65,211,400 | 4,323 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0716% | 6,065 |
| Cost of funding earning assets | 0.4357% | 3,409 |
| Net interest margin | 2.6359% | 6,091 |
| Noninterest income to average assets | 0.3709% | 4,457 |
| Noninterest expense to average assets | 1.8768% | 5,987 |
| Loan and lease loss provision to assets | 0.0244% | 3,923 |
| Net operating income to assets | 0.6591% | 4,164 |
| Return on assets (ROA) | 0.6599% | 4,262 |
| Pretax return on assets | 0.8759% | 4,090 |
| Return on Equity (ROE) | 6.0734% | 4,195 |
| Retained earnings to average equity (ytd only) | 6.0734% | 2,363 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6107% | 3,921 |
| Assets per employee ($millions) | 7.1094% | 774 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6268% | 6,192 |
| Loan loss allowance to noncurrent loans | 149.2908% | 2,753 |
| Noncurrent assets plus other real estate owned to assets | 0.2333% | 5,281 |
| Noncurrent loans to loans | 0.4199% | 4,648 |
| Net loans and leases to total assets | 55.2226% | 4,434 |
| Net loans and leases to deposits | 69.0161% | 4,021 |
| Net loans and leases to core deposits | 73.5198% | 3,990 |
| Total domestic deposits to total assets | 80.0141% | 5,096 |
| Equity capital to assets | 11.1617% | 2,800 |
| Core capital (leverage) ratio | 10.9956% | 2,488 |
| Tier 1 risk-based capital ratio | 23.6147% | 1,033 |
| Total risk-based capital ratio | 24.4116% | 1,079 |
| Memoranda: | ||
| Average total assets | $120,412,000 | 4,206 |
| Average earning assets | $109,864,750 | 4,221 |
| Average equity | $13,084,000 | 4,203 |
| Average total loans | $64,563,000 | 4,388 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0555% | 6,127 |
| Cost of funding earning assets | 0.4422% | 3,418 |
| Net interest margin | 2.6133% | 6,158 |
| Noninterest income to average assets | 0.3692% | 4,486 |
| Noninterest expense to average assets | 1.8875% | 6,017 |
| Loan and lease loss provision to assets | 0.0266% | 3,742 |
| Net operating income to assets | 0.6373% | 4,166 |
| Return on assets (ROA) | 0.6386% | 4,263 |
| Pretax return on assets | 0.8448% | 4,101 |
| Return on Equity (ROE) | 5.9311% | 4,190 |
| Retained earnings to average equity (ytd only) | 5.9311% | 2,359 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4560% | 3,924 |
| Assets per employee ($millions) | 7.1089% | 761 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6316% | 6,272 |
| Loan loss allowance to noncurrent loans | 159.0038% | 2,591 |
| Noncurrent assets plus other real estate owned to assets | 0.2160% | 5,471 |
| Noncurrent loans to loans | 0.3972% | 4,798 |
| Net loans and leases to total assets | 54.0272% | 4,538 |
| Net loans and leases to deposits | 67.3506% | 4,129 |
| Net loans and leases to core deposits | 72.0260% | 4,052 |
| Total domestic deposits to total assets | 80.2180% | 5,190 |
| Equity capital to assets | 10.9804% | 2,896 |
| Core capital (leverage) ratio | 10.7979% | 2,625 |
| Tier 1 risk-based capital ratio | 23.3745% | 1,064 |
| Total risk-based capital ratio | 24.1655% | 1,107 |
| Memoranda: | ||
| Average total assets | $120,262,670 | 4,234 |
| Average earning assets | $109,899,000 | 4,247 |
| Average equity | $12,948,670 | 4,232 |
| Average total loans | $63,696,330 | 4,435 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0483% | 6,186 |
| Cost of funding earning assets | 0.4423% | 3,513 |
| Net interest margin | 2.6061% | 6,230 |
| Noninterest income to average assets | 0.3601% | 4,510 |
| Noninterest expense to average assets | 1.8172% | 6,202 |
| Loan and lease loss provision to assets | 0.0267% | 3,481 |
| Net operating income to assets | 0.6677% | 3,855 |
| Return on assets (ROA) | 0.6702% | 3,925 |
| Pretax return on assets | 0.8969% | 3,707 |
| Return on Equity (ROE) | 6.2871% | 3,861 |
| Retained earnings to average equity (ytd only) | 6.2871% | 2,387 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3825% | 4,468 |
| Assets per employee ($millions) | 7.1088% | 765 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6368% | 6,362 |
| Loan loss allowance to noncurrent loans | 155.3435% | 2,584 |
| Noncurrent assets plus other real estate owned to assets | 0.2168% | 5,562 |
| Noncurrent loans to loans | 0.4100% | 4,906 |
| Net loans and leases to total assets | 52.5470% | 4,602 |
| Net loans and leases to deposits | 65.2819% | 4,171 |
| Net loans and leases to core deposits | 69.2599% | 4,175 |
| Total domestic deposits to total assets | 80.4923% | 5,387 |
| Equity capital to assets | 10.7116% | 3,027 |
| Core capital (leverage) ratio | 10.7384% | 2,662 |
| Tier 1 risk-based capital ratio | 23.6265% | 1,053 |
| Total risk-based capital ratio | 24.4227% | 1,105 |
| Memoranda: | ||
| Average total assets | $119,968,000 | 4,278 |
| Average earning assets | $109,437,000 | 4,290 |
| Average equity | $12,788,000 | 4,276 |
| Average total loans | $62,690,500 | 4,505 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9835% | 6,359 |
| Cost of funding earning assets | 0.4833% | 3,786 |
| Net interest margin | 2.5002% | 6,371 |
| Noninterest income to average assets | 0.4001% | 4,439 |
| Noninterest expense to average assets | 2.2195% | 5,579 |
| Loan and lease loss provision to assets | 0.0118% | 4,888 |
| Net operating income to assets | 0.3798% | 5,220 |
| Return on assets (ROA) | 0.3798% | 5,337 |
| Pretax return on assets | 0.4398% | 5,385 |
| Return on Equity (ROE) | 3.5867% | 5,286 |
| Retained earnings to average equity (ytd only) | 3.5867% | 3,670 |
| Net charge-offs to loans | 0.0218% | 4,998 |
| Credit loss provision to net charge-offs | 107.6923% | 2,226 |
| Earnings coverage of net charge-offs (x) | 41.0769% | 926 |
| Efficiency ratio | 83.0906% | 1,739 |
| Assets per employee ($millions) | 7.0051% | 769 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6491% | 6,419 |
| Loan loss allowance to noncurrent loans | 151.1364% | 2,656 |
| Noncurrent assets plus other real estate owned to assets | 0.2217% | 5,620 |
| Noncurrent loans to loans | 0.4295% | 4,922 |
| Net loans and leases to total assets | 51.2839% | 4,942 |
| Net loans and leases to deposits | 63.8048% | 4,525 |
| Net loans and leases to core deposits | 67.1948% | 4,593 |
| Total domestic deposits to total assets | 80.3764% | 5,354 |
| Equity capital to assets | 10.6066% | 3,038 |
| Core capital (leverage) ratio | 10.5861% | 2,795 |
| Tier 1 risk-based capital ratio | 23.7199% | 984 |
| Total risk-based capital ratio | 24.5188% | 1,035 |
| Memoranda: | ||
| Average total assets | $118,223,000 | 4,307 |
| Average earning assets | $107,391,000 | 4,330 |
| Average equity | $12,518,400 | 4,350 |
| Average total loans | $59,508,400 | 4,630 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9689% | 6,448 |
| Cost of funding earning assets | 0.4917% | 3,852 |
| Net interest margin | 2.4772% | 6,448 |
| Noninterest income to average assets | 0.4101% | 4,452 |
| Noninterest expense to average assets | 2.3286% | 5,245 |
| Loan and lease loss provision to assets | 0.0136% | 4,731 |
| Net operating income to assets | 0.2542% | 5,768 |
| Return on assets (ROA) | 0.2542% | 5,864 |
| Pretax return on assets | 0.3164% | 5,832 |
| Return on Equity (ROE) | 2.4018% | 5,825 |
| Retained earnings to average equity (ytd only) | 2.4018% | 4,895 |
| Net charge-offs to loans | 0.0271% | 4,582 |
| Credit loss provision to net charge-offs | 100.0000% | 2,333 |
| Earnings coverage of net charge-offs (x) | 24.3325% | 1,426 |
| Efficiency ratio | 87.5903% | 1,203 |
| Assets per employee ($millions) | 7.4933% | 586 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6485% | 6,504 |
| Loan loss allowance to noncurrent loans | 150.1887% | 2,542 |
| Noncurrent assets plus other real estate owned to assets | 0.2210% | 5,784 |
| Noncurrent loans to loans | 0.4318% | 5,120 |
| Net loans and leases to total assets | 50.8591% | 5,024 |
| Net loans and leases to deposits | 63.0608% | 4,622 |
| Net loans and leases to core deposits | 66.7806% | 4,644 |
| Total domestic deposits to total assets | 80.6509% | 5,321 |
| Equity capital to assets | 10.3426% | 3,457 |
| Core capital (leverage) ratio | 10.4680% | 3,039 |
| Tier 1 risk-based capital ratio | 23.2499% | 1,107 |
| Total risk-based capital ratio | 24.0359% | 1,161 |
| Memoranda: | ||
| Average total assets | $118,007,250 | 4,359 |
| Average earning assets | $107,106,500 | 4,378 |
| Average equity | $12,490,250 | 4,397 |
| Average total loans | $59,017,750 | 4,681 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0033% | 6,447 |
| Cost of funding earning assets | 0.5053% | 3,848 |
| Net interest margin | 2.4980% | 6,453 |
| Noninterest income to average assets | 0.4294% | 4,308 |
| Noninterest expense to average assets | 2.6308% | 4,281 |
| Loan and lease loss provision to assets | 0.0102% | 4,664 |
| Net operating income to assets | 0.0579% | 6,228 |
| Return on assets (ROA) | 0.0579% | 6,305 |
| Pretax return on assets | 0.0460% | 6,307 |
| Return on Equity (ROE) | 0.5431% | 6,303 |
| Retained earnings to average equity (ytd only) | 0.5431% | 5,686 |
| Net charge-offs to loans | 0.0412% | 4,100 |
| Credit loss provision to net charge-offs | 50.0000% | 3,203 |
| Earnings coverage of net charge-offs (x) | 2.7500% | 3,598 |
| Efficiency ratio | 97.9074% | 571 |
| Assets per employee ($millions) | 7.3268% | 617 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6747% | 6,528 |
| Loan loss allowance to noncurrent loans | 147.9245% | 2,539 |
| Noncurrent assets plus other real estate owned to assets | 0.2261% | 5,811 |
| Noncurrent loans to loans | 0.4561% | 5,122 |
| Net loans and leases to total assets | 49.2297% | 5,195 |
| Net loans and leases to deposits | 61.3216% | 4,822 |
| Net loans and leases to core deposits | 64.7623% | 4,815 |
| Total domestic deposits to total assets | 80.2812% | 5,540 |
| Equity capital to assets | 10.4165% | 3,407 |
| Core capital (leverage) ratio | 10.4547% | 2,937 |
| Tier 1 risk-based capital ratio | 23.4602% | 1,069 |
| Total risk-based capital ratio | 24.2541% | 1,120 |
| Memoranda: | ||
| Average total assets | $117,379,000 | 4,408 |
| Average earning assets | $106,083,330 | 4,431 |
| Average equity | $12,520,330 | 4,420 |
| Average total loans | $58,232,330 | 4,737 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0474% | 6,460 |
| Cost of funding earning assets | 0.5079% | 3,997 |
| Net interest margin | 2.5395% | 6,455 |
| Noninterest income to average assets | 0.3814% | 4,610 |
| Noninterest expense to average assets | 3.3443% | 1,974 |
| Loan and lease loss provision to assets | 0.0136% | 4,281 |
| Net operating income to assets | -0.4802% | 6,664 |
| Return on assets (ROA) | -0.4802% | 6,689 |
| Pretax return on assets | -0.6777% | 6,724 |
| Return on Equity (ROE) | -4.4497% | 6,675 |
| Retained earnings to average equity (ytd only) | -4.4497% | 6,320 |
| Net charge-offs to loans | 0.0823% | 3,019 |
| Credit loss provision to net charge-offs | 33.3333% | 2,834 |
| Earnings coverage of net charge-offs (x) | -16.2500% | 4,114 |
| Efficiency ratio | 124.7776% | 183 |
| Assets per employee ($millions) | 6.9475% | 784 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6648% | 6,634 |
| Loan loss allowance to noncurrent loans | 166.6667% | 2,186 |
| Noncurrent assets plus other real estate owned to assets | 0.1981% | 5,978 |
| Noncurrent loans to loans | 0.3989% | 5,419 |
| Net loans and leases to total assets | 49.3387% | 5,074 |
| Net loans and leases to deposits | 62.2269% | 4,509 |
| Net loans and leases to core deposits | 65.2385% | 4,628 |
| Total domestic deposits to total assets | 79.2884% | 5,913 |
| Equity capital to assets | 10.6487% | 3,382 |
| Core capital (leverage) ratio | 10.3756% | 2,936 |
| Tier 1 risk-based capital ratio | 23.1278% | 1,137 |
| Total risk-based capital ratio | 23.9180% | 1,188 |
| Memoranda: | ||
| Average total assets | $117,454,500 | 4,453 |
| Average earning assets | $106,320,500 | 4,466 |
| Average equity | $12,675,000 | 4,437 |
| Average total loans | $58,297,000 | 4,766 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2571% | 6,623 |
| Cost of funding earning assets | 0.6456% | 3,955 |
| Net interest margin | 2.6115% | 6,626 |
| Noninterest income to average assets | 0.7886% | 2,312 |
| Noninterest expense to average assets | 2.0730% | 6,185 |
| Loan and lease loss provision to assets | 0.0319% | 5,493 |
| Net operating income to assets | 0.7784% | 3,380 |
| Return on assets (ROA) | 0.7797% | 3,621 |
| Pretax return on assets | 1.0574% | 3,334 |
| Return on Equity (ROE) | 7.1697% | 3,546 |
| Retained earnings to average equity (ytd only) | 7.1697% | 1,491 |
| Net charge-offs to loans | 0.0052% | 5,897 |
| Credit loss provision to net charge-offs | 1,200.0000% | 207 |
| Earnings coverage of net charge-offs (x) | 408.6667% | 97 |
| Efficiency ratio | 65.5908% | 4,583 |
| Assets per employee ($millions) | 6.4889% | 1,012 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6870% | 6,654 |
| Loan loss allowance to noncurrent loans | 119.8795% | 2,841 |
| Noncurrent assets plus other real estate owned to assets | 0.2842% | 5,832 |
| Noncurrent loans to loans | 0.5731% | 5,097 |
| Net loans and leases to total assets | 49.2573% | 5,271 |
| Net loans and leases to deposits | 60.2932% | 4,998 |
| Net loans and leases to core deposits | 63.3268% | 5,033 |
| Total domestic deposits to total assets | 81.6962% | 5,197 |
| Equity capital to assets | 10.9357% | 3,030 |
| Core capital (leverage) ratio | 10.7744% | 2,469 |
| Tier 1 risk-based capital ratio | 23.9831% | 975 |
| Total risk-based capital ratio | 24.8088% | 1,007 |
| Memoranda: | ||
| Average total assets | $112,733,200 | 4,530 |
| Average earning assets | $102,392,200 | 4,534 |
| Average equity | $12,260,000 | 4,515 |
| Average total loans | $57,239,600 | 4,825 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3222% | 6,712 |
| Cost of funding earning assets | 0.6686% | 4,028 |
| Net interest margin | 2.6535% | 6,700 |
| Noninterest income to average assets | 0.4141% | 4,528 |
| Noninterest expense to average assets | 2.0850% | 6,197 |
| Loan and lease loss provision to assets | 0.0155% | 5,613 |
| Net operating income to assets | 0.5764% | 4,491 |
| Return on assets (ROA) | 0.5764% | 4,765 |
| Pretax return on assets | 0.7244% | 4,774 |
| Return on Equity (ROE) | 5.3082% | 4,684 |
| Retained earnings to average equity (ytd only) | 5.3082% | 3,150 |
| Net charge-offs to loans | 0.0070% | 5,641 |
| Credit loss provision to net charge-offs | 433.3333% | 621 |
| Earnings coverage of net charge-offs (x) | 206.6625% | 219 |
| Efficiency ratio | 73.8065% | 3,023 |
| Assets per employee ($millions) | 6.2919% | 1,070 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6604% | 6,795 |
| Loan loss allowance to noncurrent loans | 112.6126% | 2,923 |
| Noncurrent assets plus other real estate owned to assets | 0.2940% | 5,969 |
| Noncurrent loans to loans | 0.5865% | 5,266 |
| Net loans and leases to total assets | 49.8057% | 5,333 |
| Net loans and leases to deposits | 61.3100% | 5,043 |
| Net loans and leases to core deposits | 64.3233% | 5,118 |
| Total domestic deposits to total assets | 81.2360% | 5,285 |
| Equity capital to assets | 11.0124% | 3,261 |
| Core capital (leverage) ratio | 10.4593% | 2,966 |
| Tier 1 risk-based capital ratio | 23.5032% | 1,090 |
| Total risk-based capital ratio | 24.2938% | 1,143 |
| Memoranda: | ||
| Average total assets | $111,716,250 | 4,599 |
| Average earning assets | $101,497,000 | 4,606 |
| Average equity | $12,131,750 | 4,581 |
| Average total loans | $57,066,750 | 4,886 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3337% | 6,791 |
| Cost of funding earning assets | 0.6854% | 4,142 |
| Net interest margin | 2.6483% | 6,775 |
| Noninterest income to average assets | 0.4029% | 4,630 |
| Noninterest expense to average assets | 2.1366% | 6,167 |
| Loan and lease loss provision to assets | 0.0180% | 5,440 |
| Net operating income to assets | 0.5342% | 4,658 |
| Return on assets (ROA) | 0.5342% | 4,938 |
| Pretax return on assets | 0.6529% | 4,965 |
| Return on Equity (ROE) | 4.9425% | 4,831 |
| Retained earnings to average equity (ytd only) | 4.9425% | 3,307 |
| Net charge-offs to loans | 0.0070% | 5,387 |
| Credit loss provision to net charge-offs | 500.0000% | 597 |
| Earnings coverage of net charge-offs (x) | 186.5000% | 242 |
| Efficiency ratio | 76.1051% | 2,725 |
| Assets per employee ($millions) | 5.8407% | 1,339 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6533% | 6,877 |
| Loan loss allowance to noncurrent loans | 54.1364% | 4,904 |
| Noncurrent assets plus other real estate owned to assets | 0.6209% | 5,219 |
| Noncurrent loans to loans | 1.2068% | 4,140 |
| Net loans and leases to total assets | 51.1124% | 5,208 |
| Net loans and leases to deposits | 63.0668% | 4,872 |
| Net loans and leases to core deposits | 66.2319% | 4,975 |
| Total domestic deposits to total assets | 81.0449% | 5,450 |
| Equity capital to assets | 10.9946% | 3,127 |
| Core capital (leverage) ratio | 10.4966% | 2,802 |
| Tier 1 risk-based capital ratio | 23.0355% | 1,129 |
| Total risk-based capital ratio | 23.8207% | 1,173 |
| Memoranda: | ||
| Average total assets | $111,203,670 | 4,636 |
| Average earning assets | $100,969,000 | 4,643 |
| Average equity | $12,018,330 | 4,597 |
| Average total loans | $57,161,670 | 4,908 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3575% | 6,849 |
| Cost of funding earning assets | 0.7024% | 4,260 |
| Net interest margin | 2.6550% | 6,831 |
| Noninterest income to average assets | 0.4096% | 4,597 |
| Noninterest expense to average assets | 2.1128% | 6,246 |
| Loan and lease loss provision to assets | 0.0180% | 5,108 |
| Net operating income to assets | 0.5570% | 4,556 |
| Return on assets (ROA) | 0.5570% | 4,774 |
| Pretax return on assets | 0.6827% | 4,853 |
| Return on Equity (ROE) | 5.1983% | 4,693 |
| Retained earnings to average equity (ytd only) | 5.1983% | 3,439 |
| Net charge-offs to loans | -0.0070% | 5,858 |
| Credit loss provision to net charge-offs | -500.0000% | 5,764 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0958% | 2,920 |
| Assets per employee ($millions) | 6.2429% | 1,127 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6464% | 6,939 |
| Loan loss allowance to noncurrent loans | 53.6127% | 4,867 |
| Noncurrent assets plus other real estate owned to assets | 0.6158% | 5,352 |
| Noncurrent loans to loans | 1.2057% | 4,320 |
| Net loans and leases to total assets | 50.7431% | 5,196 |
| Net loans and leases to deposits | 62.6425% | 4,817 |
| Net loans and leases to core deposits | 65.5497% | 4,968 |
| Total domestic deposits to total assets | 81.0042% | 5,609 |
| Equity capital to assets | 10.6833% | 3,287 |
| Core capital (leverage) ratio | 10.4841% | 2,768 |
| Tier 1 risk-based capital ratio | 22.5052% | 1,206 |
| Total risk-based capital ratio | 23.2760% | 1,251 |
| Memoranda: | ||
| Average total assets | $111,319,000 | 4,677 |
| Average earning assets | $100,790,500 | 4,679 |
| Average equity | $11,927,000 | 4,627 |
| Average total loans | $57,195,500 | 4,935 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6690% | 6,882 |
| Cost of funding earning assets | 0.8477% | 4,486 |
| Net interest margin | 2.8213% | 6,798 |
| Noninterest income to average assets | 0.3907% | 4,694 |
| Noninterest expense to average assets | 2.1731% | 6,322 |
| Loan and lease loss provision to assets | 0.0243% | 6,268 |
| Net operating income to assets | 0.6077% | 3,961 |
| Return on assets (ROA) | 0.6085% | 4,141 |
| Pretax return on assets | 0.7449% | 4,173 |
| Return on Equity (ROE) | 5.7088% | 4,023 |
| Retained earnings to average equity (ytd only) | 5.7088% | 2,170 |
| Net charge-offs to loans | 0.0070% | 6,337 |
| Credit loss provision to net charge-offs | 650.0000% | 346 |
| Earnings coverage of net charge-offs (x) | 205.5000% | 168 |
| Efficiency ratio | 73.8799% | 3,258 |
| Assets per employee ($millions) | 6.1259% | 1,145 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6404% | 6,974 |
| Loan loss allowance to noncurrent loans | 36.8315% | 5,789 |
| Noncurrent assets plus other real estate owned to assets | 0.8987% | 4,814 |
| Noncurrent loans to loans | 1.7386% | 3,556 |
| Net loans and leases to total assets | 51.3613% | 5,410 |
| Net loans and leases to deposits | 63.8871% | 5,028 |
| Net loans and leases to core deposits | 67.1679% | 5,140 |
| Total domestic deposits to total assets | 80.3938% | 5,626 |
| Equity capital to assets | 10.7458% | 3,253 |
| Core capital (leverage) ratio | 10.2998% | 2,975 |
| Tier 1 risk-based capital ratio | 22.3549% | 1,189 |
| Total risk-based capital ratio | 23.1191% | 1,224 |
| Memoranda: | ||
| Average total assets | $106,988,000 | 4,707 |
| Average earning assets | $96,730,000 | 4,723 |
| Average equity | $11,403,400 | 4,682 |
| Average total loans | $57,419,800 | 4,969 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7129% | 6,927 |
| Cost of funding earning assets | 0.8766% | 4,573 |
| Net interest margin | 2.8363% | 6,847 |
| Noninterest income to average assets | 0.3805% | 4,808 |
| Noninterest expense to average assets | 2.1990% | 6,283 |
| Loan and lease loss provision to assets | 0.0264% | 6,115 |
| Net operating income to assets | 0.5727% | 4,205 |
| Return on assets (ROA) | 0.5727% | 4,389 |
| Pretax return on assets | 0.7234% | 4,396 |
| Return on Equity (ROE) | 5.3842% | 4,345 |
| Retained earnings to average equity (ytd only) | 5.3842% | 2,922 |
| Net charge-offs to loans | 0.0046% | 6,126 |
| Credit loss provision to net charge-offs | 1,050.0000% | 255 |
| Earnings coverage of net charge-offs (x) | 298.1199% | 127 |
| Efficiency ratio | 74.5741% | 3,073 |
| Assets per employee ($millions) | 6.1517% | 1,118 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6229% | 7,057 |
| Loan loss allowance to noncurrent loans | 38.9666% | 5,686 |
| Noncurrent assets plus other real estate owned to assets | 1.0666% | 4,643 |
| Noncurrent loans to loans | 1.5985% | 3,899 |
| Net loans and leases to total assets | 52.1584% | 5,426 |
| Net loans and leases to deposits | 65.1223% | 5,034 |
| Net loans and leases to core deposits | 68.4544% | 5,125 |
| Total domestic deposits to total assets | 80.0930% | 5,707 |
| Equity capital to assets | 10.5626% | 3,629 |
| Core capital (leverage) ratio | 10.1424% | 3,255 |
| Tier 1 risk-based capital ratio | 21.5808% | 1,358 |
| Total risk-based capital ratio | 22.3316% | 1,417 |
| Memoranda: | ||
| Average total assets | $106,168,500 | 4,760 |
| Average earning assets | $96,131,250 | 4,771 |
| Average equity | $11,292,000 | 4,736 |
| Average total loans | $57,525,000 | 5,017 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7587% | 6,962 |
| Cost of funding earning assets | 0.9038% | 4,631 |
| Net interest margin | 2.8549% | 6,856 |
| Noninterest income to average assets | 0.3803% | 4,840 |
| Noninterest expense to average assets | 2.2571% | 6,225 |
| Loan and lease loss provision to assets | 0.0268% | 5,969 |
| Net operating income to assets | 0.5409% | 4,333 |
| Return on assets (ROA) | 0.5409% | 4,470 |
| Pretax return on assets | 0.6804% | 4,463 |
| Return on Equity (ROE) | 5.0729% | 4,416 |
| Retained earnings to average equity (ytd only) | 5.0729% | 2,959 |
| Net charge-offs to loans | 0.0035% | 5,836 |
| Credit loss provision to net charge-offs | 1,400.0000% | 252 |
| Earnings coverage of net charge-offs (x) | 370.0000% | 88 |
| Efficiency ratio | 76.1444% | 2,988 |
| Assets per employee ($millions) | 6.3468% | 998 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6090% | 7,128 |
| Loan loss allowance to noncurrent loans | 44.5000% | 5,350 |
| Noncurrent assets plus other real estate owned to assets | 0.9973% | 4,877 |
| Noncurrent loans to loans | 1.3685% | 4,363 |
| Net loans and leases to total assets | 53.8491% | 5,314 |
| Net loans and leases to deposits | 68.1201% | 4,691 |
| Net loans and leases to core deposits | 71.7491% | 4,846 |
| Total domestic deposits to total assets | 79.0502% | 6,074 |
| Equity capital to assets | 10.5861% | 3,395 |
| Core capital (leverage) ratio | 10.2336% | 2,995 |
| Tier 1 risk-based capital ratio | 21.3098% | 1,362 |
| Total risk-based capital ratio | 22.0512% | 1,430 |
| Memoranda: | ||
| Average total assets | $104,648,000 | 4,841 |
| Average earning assets | $94,713,330 | 4,862 |
| Average equity | $11,157,330 | 4,771 |
| Average total loans | $57,327,670 | 5,072 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7318% | 7,032 |
| Cost of funding earning assets | 0.9319% | 4,708 |
| Net interest margin | 2.7999% | 6,906 |
| Noninterest income to average assets | 0.3883% | 4,805 |
| Noninterest expense to average assets | 2.2791% | 6,246 |
| Loan and lease loss provision to assets | 0.0349% | 5,540 |
| Net operating income to assets | 0.5009% | 4,488 |
| Return on assets (ROA) | 0.5009% | 4,570 |
| Pretax return on assets | 0.6057% | 4,663 |
| Return on Equity (ROE) | 4.6803% | 4,567 |
| Retained earnings to average equity (ytd only) | 4.6803% | 3,388 |
| Net charge-offs to loans | 0.0070% | 5,022 |
| Credit loss provision to net charge-offs | 900.0000% | 420 |
| Earnings coverage of net charge-offs (x) | 165.0000% | 190 |
| Efficiency ratio | 78.0585% | 2,834 |
| Assets per employee ($millions) | 5.9194% | 1,250 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6064% | 7,195 |
| Loan loss allowance to noncurrent loans | 55.7143% | 4,663 |
| Noncurrent assets plus other real estate owned to assets | 0.8503% | 5,203 |
| Noncurrent loans to loans | 1.0884% | 4,876 |
| Net loans and leases to total assets | 53.9934% | 5,303 |
| Net loans and leases to deposits | 68.7245% | 4,569 |
| Net loans and leases to core deposits | 72.4468% | 4,734 |
| Total domestic deposits to total assets | 78.5650% | 6,281 |
| Equity capital to assets | 10.4252% | 3,262 |
| Core capital (leverage) ratio | 10.7019% | 2,437 |
| Tier 1 risk-based capital ratio | 21.1013% | 1,375 |
| Total risk-based capital ratio | 21.8303% | 1,439 |
| Memoranda: | ||
| Average total assets | $103,024,000 | 4,918 |
| Average earning assets | $93,145,500 | 4,939 |
| Average equity | $11,025,000 | 4,796 |
| Average total loans | $56,763,000 | 5,143 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1156% | 7,028 |
| Cost of funding earning assets | 1.1500% | 4,848 |
| Net interest margin | 2.9657% | 6,799 |
| Noninterest income to average assets | 0.4420% | 4,580 |
| Noninterest expense to average assets | 2.2413% | 6,509 |
| Loan and lease loss provision to assets | 0.0542% | 6,603 |
| Net operating income to assets | 0.6538% | 3,424 |
| Return on assets (ROA) | 0.6419% | 3,628 |
| Pretax return on assets | 0.8077% | 3,603 |
| Return on Equity (ROE) | 5.9456% | 3,635 |
| Retained earnings to average equity (ytd only) | 5.9456% | 1,845 |
| Net charge-offs to loans | 0.0674% | 6,123 |
| Credit loss provision to net charge-offs | 138.4615% | 2,755 |
| Earnings coverage of net charge-offs (x) | 22.3846% | 931 |
| Efficiency ratio | 71.8750% | 3,815 |
| Assets per employee ($millions) | 5.8528% | 1,312 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6164% | 7,242 |
| Loan loss allowance to noncurrent loans | 54.3582% | 4,758 |
| Noncurrent assets plus other real estate owned to assets | 0.9216% | 5,176 |
| Noncurrent loans to loans | 1.1340% | 4,844 |
| Net loans and leases to total assets | 55.5810% | 5,401 |
| Net loans and leases to deposits | 68.0464% | 5,097 |
| Net loans and leases to core deposits | 71.6023% | 5,252 |
| Total domestic deposits to total assets | 81.6810% | 5,300 |
| Equity capital to assets | 10.9972% | 2,688 |
| Core capital (leverage) ratio | 10.7581% | 2,341 |
| Tier 1 risk-based capital ratio | 22.1118% | 1,159 |
| Total risk-based capital ratio | 22.8687% | 1,204 |
| Memoranda: | ||
| Average total assets | $99,542,200 | 4,998 |
| Average earning assets | $89,828,400 | 5,022 |
| Average equity | $10,747,400 | 4,921 |
| Average total loans | $57,844,800 | 5,166 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1906% | 7,102 |
| Cost of funding earning assets | 1.1973% | 4,880 |
| Net interest margin | 2.9933% | 6,850 |
| Noninterest income to average assets | 0.4312% | 4,707 |
| Noninterest expense to average assets | 2.2071% | 6,588 |
| Loan and lease loss provision to assets | 0.0603% | 6,463 |
| Net operating income to assets | 0.6551% | 3,626 |
| Return on assets (ROA) | 0.6429% | 3,858 |
| Pretax return on assets | 0.8464% | 3,749 |
| Return on Equity (ROE) | 5.9818% | 3,821 |
| Retained earnings to average equity (ytd only) | 5.9818% | 2,363 |
| Net charge-offs to loans | 0.0890% | 5,635 |
| Credit loss provision to net charge-offs | 115.3846% | 3,615 |
| Earnings coverage of net charge-offs (x) | 17.6662% | 1,312 |
| Efficiency ratio | 70.5178% | 3,966 |
| Assets per employee ($millions) | 5.5272% | 1,602 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6023% | 7,349 |
| Loan loss allowance to noncurrent loans | 94.0845% | 2,938 |
| Noncurrent assets plus other real estate owned to assets | 0.6443% | 5,841 |
| Noncurrent loans to loans | 0.6402% | 5,930 |
| Net loans and leases to total assets | 55.4026% | 5,633 |
| Net loans and leases to deposits | 67.8659% | 5,439 |
| Net loans and leases to core deposits | 71.4017% | 5,587 |
| Total domestic deposits to total assets | 81.6353% | 5,152 |
| Equity capital to assets | 11.0534% | 2,912 |
| Core capital (leverage) ratio | 10.5249% | 2,662 |
| Tier 1 risk-based capital ratio | 22.0380% | 1,201 |
| Total risk-based capital ratio | 22.7849% | 1,257 |
| Memoranda: | ||
| Average total assets | $99,553,250 | 5,066 |
| Average earning assets | $89,753,500 | 5,079 |
| Average equity | $10,698,750 | 4,998 |
| Average total loans | $58,394,750 | 5,209 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2574% | 7,107 |
| Cost of funding earning assets | 1.2494% | 4,833 |
| Net interest margin | 3.0080% | 6,809 |
| Noninterest income to average assets | 0.4399% | 4,608 |
| Noninterest expense to average assets | 2.1773% | 6,703 |
| Loan and lease loss provision to assets | 0.0542% | 6,414 |
| Net operating income to assets | 0.6950% | 3,423 |
| Return on assets (ROA) | 0.6769% | 3,648 |
| Pretax return on assets | 0.9018% | 3,485 |
| Return on Equity (ROE) | 6.3589% | 3,617 |
| Retained earnings to average equity (ytd only) | 6.3589% | 2,140 |
| Net charge-offs to loans | 0.0067% | 6,269 |
| Credit loss provision to net charge-offs | 1,350.0000% | 294 |
| Earnings coverage of net charge-offs (x) | 244.0000% | 135 |
| Efficiency ratio | 68.9567% | 4,388 |
| Assets per employee ($millions) | 5.5571% | 1,570 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6083% | 7,402 |
| Loan loss allowance to noncurrent loans | 52.6080% | 4,796 |
| Noncurrent assets plus other real estate owned to assets | 0.6708% | 5,804 |
| Noncurrent loans to loans | 1.1562% | 5,028 |
| Net loans and leases to total assets | 57.6639% | 5,464 |
| Net loans and leases to deposits | 70.7435% | 5,168 |
| Net loans and leases to core deposits | 74.6618% | 5,372 |
| Total domestic deposits to total assets | 81.5112% | 5,194 |
| Equity capital to assets | 10.7940% | 3,078 |
| Core capital (leverage) ratio | 10.3924% | 2,722 |
| Tier 1 risk-based capital ratio | 21.5656% | 1,261 |
| Total risk-based capital ratio | 22.3460% | 1,301 |
| Memoranda: | ||
| Average total assets | $99,574,330 | 5,090 |
| Average earning assets | $89,961,000 | 5,095 |
| Average equity | $10,599,330 | 5,033 |
| Average total loans | $59,375,000 | 5,207 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3728% | 7,038 |
| Cost of funding earning assets | 1.3279% | 4,632 |
| Net interest margin | 3.0449% | 6,729 |
| Noninterest income to average assets | 0.4469% | 4,503 |
| Noninterest expense to average assets | 2.2064% | 6,672 |
| Loan and lease loss provision to assets | 0.0926% | 5,707 |
| Net operating income to assets | 0.6603% | 3,610 |
| Return on assets (ROA) | 0.6603% | 3,724 |
| Pretax return on assets | 0.8898% | 3,507 |
| Return on Equity (ROE) | 6.2473% | 3,747 |
| Retained earnings to average equity (ytd only) | 6.2473% | 2,495 |
| Net charge-offs to loans | 0.0200% | 5,309 |
| Credit loss provision to net charge-offs | 766.6667% | 587 |
| Earnings coverage of net charge-offs (x) | 81.3333% | 382 |
| Efficiency ratio | 69.1919% | 4,474 |
| Assets per employee ($millions) | 5.5312% | 1,633 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5876% | 7,513 |
| Loan loss allowance to noncurrent loans | 94.0541% | 2,930 |
| Noncurrent assets plus other real estate owned to assets | 0.6177% | 5,973 |
| Noncurrent loans to loans | 0.6247% | 6,064 |
| Net loans and leases to total assets | 59.1406% | 5,265 |
| Net loans and leases to deposits | 72.4048% | 4,997 |
| Net loans and leases to core deposits | 75.8404% | 5,276 |
| Total domestic deposits to total assets | 81.6806% | 5,203 |
| Equity capital to assets | 10.6508% | 3,088 |
| Core capital (leverage) ratio | 10.3150% | 2,797 |
| Tier 1 risk-based capital ratio | 20.6267% | 1,404 |
| Total risk-based capital ratio | 21.3761% | 1,468 |
| Memoranda: | ||
| Average total assets | $99,347,500 | 5,168 |
| Average earning assets | $89,462,500 | 5,179 |
| Average equity | $10,500,500 | 5,099 |
| Average total loans | $60,046,000 | 5,244 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6436% | 7,219 |
| Cost of funding earning assets | 1.8030% | 3,979 |
| Net interest margin | 2.8406% | 6,991 |
| Noninterest income to average assets | 0.4313% | 4,946 |
| Noninterest expense to average assets | 2.3499% | 6,605 |
| Loan and lease loss provision to assets | 0.0309% | 7,221 |
| Net operating income to assets | 0.5173% | 3,661 |
| Return on assets (ROA) | 0.5198% | 3,740 |
| Pretax return on assets | 0.6320% | 3,806 |
| Return on Equity (ROE) | 5.0508% | 3,648 |
| Retained earnings to average equity (ytd only) | 5.0508% | 1,795 |
| Net charge-offs to loans | 0.0364% | 6,760 |
| Credit loss provision to net charge-offs | 136.3636% | 3,621 |
| Earnings coverage of net charge-offs (x) | 29.1364% | 787 |
| Efficiency ratio | 78.0780% | 3,181 |
| Assets per employee ($millions) | 5.5074% | 1,636 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5389% | 7,632 |
| Loan loss allowance to noncurrent loans | 115.9011% | 2,426 |
| Noncurrent assets plus other real estate owned to assets | 0.5377% | 6,106 |
| Noncurrent loans to loans | 0.4650% | 6,332 |
| Net loans and leases to total assets | 61.0638% | 5,183 |
| Net loans and leases to deposits | 74.9957% | 4,873 |
| Net loans and leases to core deposits | 89.9547% | 5,128 |
| Total domestic deposits to total assets | 81.4231% | 5,185 |
| Equity capital to assets | 10.4878% | 3,193 |
| Core capital (leverage) ratio | 10.1810% | 2,907 |
| Tier 1 risk-based capital ratio | 19.5752% | 1,552 |
| Total risk-based capital ratio | 20.2590% | 1,618 |
| Memoranda: | ||
| Average total assets | $97,154,400 | 5,162 |
| Average earning assets | $88,185,400 | 5,189 |
| Average equity | $9,998,400 | 5,295 |
| Average total loans | $60,467,800 | 5,229 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6207% | 7,388 |
| Cost of funding earning assets | 1.9022% | 3,875 |
| Net interest margin | 2.7185% | 7,186 |
| Noninterest income to average assets | 0.4276% | 5,069 |
| Noninterest expense to average assets | 2.3243% | 6,638 |
| Loan and lease loss provision to assets | 0.0345% | 7,011 |
| Net operating income to assets | 0.4710% | 4,116 |
| Return on assets (ROA) | 0.4745% | 4,195 |
| Pretax return on assets | 0.5490% | 4,363 |
| Return on Equity (ROE) | 4.6335% | 4,105 |
| Retained earnings to average equity (ytd only) | 4.6335% | 2,689 |
| Net charge-offs to loans | 0.0398% | 6,349 |
| Credit loss provision to net charge-offs | 138.8889% | 3,561 |
| Earnings coverage of net charge-offs (x) | 23.3329% | 1,123 |
| Efficiency ratio | 80.0475% | 2,831 |
| Assets per employee ($millions) | 5.8001% | 1,350 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5345% | 7,671 |
| Loan loss allowance to noncurrent loans | 46.0563% | 5,243 |
| Noncurrent assets plus other real estate owned to assets | 1.0081% | 5,061 |
| Noncurrent loans to loans | 1.1606% | 5,001 |
| Net loans and leases to total assets | 61.7124% | 5,287 |
| Net loans and leases to deposits | 76.3035% | 4,985 |
| Net loans and leases to core deposits | 93.0612% | 5,126 |
| Total domestic deposits to total assets | 80.8775% | 5,128 |
| Equity capital to assets | 10.4106% | 3,602 |
| Core capital (leverage) ratio | 9.9871% | 3,302 |
| Tier 1 risk-based capital ratio | 18.9636% | 1,756 |
| Total risk-based capital ratio | 19.6361% | 1,841 |
| Memoranda: | ||
| Average total assets | $96,659,500 | 5,227 |
| Average earning assets | $88,036,250 | 5,231 |
| Average equity | $9,898,750 | 5,363 |
| Average total loans | $60,369,000 | 5,270 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6338% | 7,482 |
| Cost of funding earning assets | 1.9696% | 3,918 |
| Net interest margin | 2.6642% | 7,276 |
| Noninterest income to average assets | 0.4270% | 5,062 |
| Noninterest expense to average assets | 2.3601% | 6,591 |
| Loan and lease loss provision to assets | 0.0375% | 6,861 |
| Net operating income to assets | 0.4193% | 4,427 |
| Return on assets (ROA) | 0.4249% | 4,513 |
| Pretax return on assets | 0.4645% | 4,736 |
| Return on Equity (ROE) | 4.1732% | 4,426 |
| Retained earnings to average equity (ytd only) | 4.1732% | 2,975 |
| Net charge-offs to loans | 0.0599% | 5,662 |
| Credit loss provision to net charge-offs | 100.0000% | 4,559 |
| Earnings coverage of net charge-offs (x) | 13.2222% | 1,756 |
| Efficiency ratio | 82.6404% | 2,646 |
| Assets per employee ($millions) | 5.8343% | 1,320 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5260% | 7,761 |
| Loan loss allowance to noncurrent loans | 44.8808% | 5,368 |
| Noncurrent assets plus other real estate owned to assets | 1.0052% | 4,958 |
| Noncurrent loans to loans | 1.1719% | 4,876 |
| Net loans and leases to total assets | 61.0205% | 5,518 |
| Net loans and leases to deposits | 75.5279% | 5,238 |
| Net loans and leases to core deposits | 91.9326% | 5,358 |
| Total domestic deposits to total assets | 80.7921% | 5,152 |
| Equity capital to assets | 9.9543% | 4,011 |
| Core capital (leverage) ratio | 9.9818% | 3,319 |
| Tier 1 risk-based capital ratio | 18.7830% | 1,822 |
| Total risk-based capital ratio | 19.4423% | 1,906 |
| Memoranda: | ||
| Average total assets | $96,012,330 | 5,285 |
| Average earning assets | $87,531,000 | 5,278 |
| Average equity | $9,776,670 | 5,429 |
| Average total loans | $60,100,000 | 5,327 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7392% | 7,451 |
| Cost of funding earning assets | 2.0644% | 3,811 |
| Net interest margin | 2.6749% | 7,258 |
| Noninterest income to average assets | 0.4236% | 5,016 |
| Noninterest expense to average assets | 2.3553% | 6,352 |
| Loan and lease loss provision to assets | 0.0297% | 6,557 |
| Net operating income to assets | 0.4278% | 4,755 |
| Return on assets (ROA) | 0.4278% | 4,928 |
| Pretax return on assets | 0.4702% | 5,174 |
| Return on Equity (ROE) | 4.1527% | 4,867 |
| Retained earnings to average equity (ytd only) | 4.1527% | 3,602 |
| Net charge-offs to loans | 0.0067% | 5,594 |
| Credit loss provision to net charge-offs | 700.0000% | 846 |
| Earnings coverage of net charge-offs (x) | 118.0000% | 367 |
| Efficiency ratio | 82.4926% | 2,478 |
| Assets per employee ($millions) | 5.7241% | 1,381 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5457% | 7,759 |
| Loan loss allowance to noncurrent loans | 44.7188% | 5,537 |
| Noncurrent assets plus other real estate owned to assets | 0.7492% | 5,288 |
| Noncurrent loans to loans | 1.2203% | 4,532 |
| Net loans and leases to total assets | 61.0564% | 5,490 |
| Net loans and leases to deposits | 74.6135% | 5,410 |
| Net loans and leases to core deposits | 92.0676% | 5,341 |
| Total domestic deposits to total assets | 81.8302% | 4,623 |
| Equity capital to assets | 10.1038% | 3,881 |
| Core capital (leverage) ratio | 10.1764% | 3,218 |
| Tier 1 risk-based capital ratio | 18.9753% | 1,818 |
| Total risk-based capital ratio | 19.6605% | 1,914 |
| Memoranda: | ||
| Average total assets | $94,427,000 | 5,357 |
| Average earning assets | $85,836,500 | 5,364 |
| Average equity | $9,728,500 | 5,467 |
| Average total loans | $59,729,000 | 5,372 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3045% | 7,592 |
| Cost of funding earning assets | 2.4073% | 4,693 |
| Net interest margin | 2.8972% | 7,161 |
| Noninterest income to average assets | 0.3852% | 5,597 |
| Noninterest expense to average assets | 2.2713% | 6,784 |
| Loan and lease loss provision to assets | 0.0155% | 7,186 |
| Net operating income to assets | 0.7992% | 3,438 |
| Return on assets (ROA) | 0.1505% | 5,808 |
| Pretax return on assets | 0.0553% | 6,038 |
| Return on Equity (ROE) | 1.4432% | 5,786 |
| Retained earnings to average equity (ytd only) | 1.4432% | 4,355 |
| Net charge-offs to loans | 0.0034% | 6,959 |
| Credit loss provision to net charge-offs | 700.0000% | 599 |
| Earnings coverage of net charge-offs (x) | 325.0000% | 147 |
| Efficiency ratio | 75.9437% | 3,241 |
| Assets per employee ($millions) | 5.0858% | 1,860 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5359% | 7,792 |
| Loan loss allowance to noncurrent loans | 106.3123% | 3,267 |
| Noncurrent assets plus other real estate owned to assets | 0.3288% | 6,291 |
| Noncurrent loans to loans | 0.5040% | 5,838 |
| Net loans and leases to total assets | 64.8846% | 5,086 |
| Net loans and leases to deposits | 80.9557% | 4,881 |
| Net loans and leases to core deposits | 100.6763% | 4,755 |
| Total domestic deposits to total assets | 80.1483% | 4,962 |
| Equity capital to assets | 10.5141% | 3,486 |
| Core capital (leverage) ratio | 10.3590% | 3,112 |
| Tier 1 risk-based capital ratio | 18.6889% | 1,871 |
| Total risk-based capital ratio | 19.3571% | 1,965 |
| Memoranda: | ||
| Average total assets | $90,344,600 | 5,343 |
| Average earning assets | $81,251,400 | 5,396 |
| Average equity | $9,423,400 | 5,598 |
| Average total loans | $58,234,800 | 5,353 |