Home > First Federal Savings and Loan Association > Performance and Condition Ratios
First Federal Savings and Loan Association, 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 | 4.0036% | 3,962 |
| Cost of funding earning assets | 0.4663% | 4,232 |
| Net interest margin | 3.5373% | 2,098 |
| Noninterest income to average assets | 0.3400% | 2,844 |
| Noninterest expense to average assets | 2.4446% | 2,459 |
| Loan and lease loss provision to assets | 0.0100% | 2,964 |
| Net operating income to assets | 0.9580% | 2,342 |
| Return on assets (ROA) | 0.9056% | 2,506 |
| Pretax return on assets | 1.1217% | 2,346 |
| Return on Equity (ROE) | 7.0900% | 3,260 |
| Retained earnings to average equity (ytd only) | 7.0898% | 1,870 |
| 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 | 67.2119% | 2,208 |
| Assets per employee ($millions) | 6.3511% | 2,512 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7680% | 4,032 |
| Loan loss allowance to noncurrent loans | 331.8386% | 1,895 |
| Noncurrent assets plus other real estate owned to assets | 0.0975% | 2,872 |
| Noncurrent loans to loans | 0.2314% | 2,387 |
| Net loans and leases to total assets | 41.8200% | 3,970 |
| Net loans and leases to deposits | 48.5146% | 3,979 |
| Net loans and leases to core deposits | 48.8652% | 4,103 |
| Total domestic deposits to total assets | 86.2000% | 1,953 |
| Equity capital to assets | 13.5654% | 754 |
| Core capital (leverage) ratio | 15.8191% | 511 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 41.5979% | 142 |
| Memoranda: | ||
| Average total assets | $228,588,400 | 2,796 |
| Average earning assets | $212,758,600 | 2,786 |
| Average equity | $29,196,800 | 2,303 |
| Average total loans | $95,924,800 | 3,217 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9295% | 3,956 |
| Cost of funding earning assets | 0.4158% | 4,237 |
| Net interest margin | 3.5137% | 2,179 |
| Noninterest income to average assets | 0.3400% | 2,860 |
| Noninterest expense to average assets | 2.4301% | 2,432 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | 0.9449% | 2,530 |
| Return on assets (ROA) | 0.8750% | 2,759 |
| Pretax return on assets | 1.0838% | 2,613 |
| Return on Equity (ROE) | 6.9600% | 3,444 |
| Retained earnings to average equity (ytd only) | 6.9583% | 2,299 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 67.3456% | 2,095 |
| Assets per employee ($millions) | 6.1913% | 2,576 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4782% | 4,364 |
| Loan loss allowance to noncurrent loans | 170.7407% | 2,688 |
| Noncurrent assets plus other real estate owned to assets | 0.1211% | 2,757 |
| Noncurrent loans to loans | 0.2801% | 2,236 |
| Net loans and leases to total assets | 43.0400% | 3,954 |
| Net loans and leases to deposits | 49.6638% | 3,950 |
| Net loans and leases to core deposits | 50.0948% | 4,038 |
| Total domestic deposits to total assets | 86.6700% | 1,991 |
| Equity capital to assets | 13.0506% | 804 |
| Core capital (leverage) ratio | 15.7847% | 521 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 40.9577% | 148 |
| Memoranda: | ||
| Average total assets | $228,575,500 | 2,808 |
| Average earning assets | $212,607,250 | 2,795 |
| Average equity | $28,742,000 | 2,307 |
| Average total loans | $95,818,000 | 3,226 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8456% | 3,958 |
| Cost of funding earning assets | 0.3563% | 4,233 |
| Net interest margin | 3.4893% | 2,292 |
| Noninterest income to average assets | 0.3400% | 2,832 |
| Noninterest expense to average assets | 2.4046% | 2,467 |
| Loan and lease loss provision to assets | 0.0100% | 2,681 |
| Net operating income to assets | 0.9418% | 2,609 |
| Return on assets (ROA) | 0.9094% | 2,710 |
| Pretax return on assets | 1.1273% | 2,571 |
| Return on Equity (ROE) | 7.3200% | 3,408 |
| Retained earnings to average equity (ytd only) | 7.3218% | 2,185 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 67.1269% | 2,092 |
| Assets per employee ($millions) | 6.4700% | 2,314 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4760% | 4,398 |
| Loan loss allowance to noncurrent loans | 165.7040% | 2,822 |
| Noncurrent assets plus other real estate owned to assets | 0.1223% | 2,685 |
| Noncurrent loans to loans | 0.2872% | 2,114 |
| Net loans and leases to total assets | 42.3800% | 3,949 |
| Net loans and leases to deposits | 48.8373% | 3,959 |
| Net loans and leases to core deposits | 49.2526% | 4,038 |
| Total domestic deposits to total assets | 86.7900% | 1,993 |
| Equity capital to assets | 12.8973% | 833 |
| Core capital (leverage) ratio | 15.1745% | 569 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 40.7088% | 143 |
| Memoranda: | ||
| Average total assets | $230,471,667 | 2,811 |
| Average earning assets | $214,425,333 | 2,794 |
| Average equity | $28,626,667 | 2,329 |
| Average total loans | $95,624,333 | 3,226 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7478% | 3,951 |
| Cost of funding earning assets | 0.2938% | 4,213 |
| Net interest margin | 3.4540% | 2,484 |
| Noninterest income to average assets | 0.3000% | 3,072 |
| Noninterest expense to average assets | 2.3417% | 2,696 |
| Loan and lease loss provision to assets | 0.0100% | 2,408 |
| Net operating income to assets | 0.9343% | 2,735 |
| Return on assets (ROA) | 0.9343% | 2,693 |
| Pretax return on assets | 1.1597% | 2,538 |
| Return on Equity (ROE) | 7.6600% | 3,377 |
| Retained earnings to average equity (ytd only) | 7.6649% | 2,323 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 66.6830% | 2,128 |
| Assets per employee ($millions) | 6.6323% | 2,243 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4754% | 4,454 |
| Loan loss allowance to noncurrent loans | 118.5864% | 3,210 |
| Noncurrent assets plus other real estate owned to assets | 0.1659% | 2,342 |
| Noncurrent loans to loans | 0.4009% | 1,731 |
| Net loans and leases to total assets | 40.8500% | 4,009 |
| Net loans and leases to deposits | 46.9331% | 3,998 |
| Net loans and leases to core deposits | 47.2257% | 4,070 |
| Total domestic deposits to total assets | 87.0500% | 2,244 |
| Equity capital to assets | 12.5641% | 854 |
| Core capital (leverage) ratio | 14.9369% | 586 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 34.7911% | 194 |
| Memoranda: | ||
| Average total assets | $232,482,000 | 2,832 |
| Average earning assets | $216,446,000 | 2,822 |
| Average equity | $28,337,000 | 2,369 |
| Average total loans | $95,217,500 | 3,267 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8812% | 4,255 |
| Cost of funding earning assets | 0.1060% | 4,366 |
| Net interest margin | 2.7752% | 3,932 |
| Noninterest income to average assets | 0.3300% | 3,139 |
| Noninterest expense to average assets | 2.2875% | 2,778 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.5099% | 4,077 |
| Return on assets (ROA) | 0.5099% | 4,034 |
| Pretax return on assets | 0.6220% | 3,992 |
| Return on Equity (ROE) | 5.0500% | 4,016 |
| Retained earnings to average equity (ytd only) | 5.0478% | 3,030 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 78.4912% | 823 |
| Assets per employee ($millions) | 6.4676% | 2,362 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4698% | 4,461 |
| Loan loss allowance to noncurrent loans | 114.3223% | 3,235 |
| Noncurrent assets plus other real estate owned to assets | 0.1688% | 2,364 |
| Noncurrent loans to loans | 0.4109% | 1,696 |
| Net loans and leases to total assets | 40.6700% | 4,042 |
| Net loans and leases to deposits | 46.2887% | 4,042 |
| Net loans and leases to core deposits | 46.5124% | 4,100 |
| Total domestic deposits to total assets | 87.8700% | 2,115 |
| Equity capital to assets | 11.8149% | 986 |
| Core capital (leverage) ratio | 14.4766% | 642 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 40.1872% | 150 |
| Memoranda: | ||
| Average total assets | $229,250,200 | 2,848 |
| Average earning assets | $213,246,600 | 2,843 |
| Average equity | $23,158,600 | 2,691 |
| Average total loans | $92,770,600 | 3,252 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6317% | 4,362 |
| Cost of funding earning assets | 0.0684% | 4,485 |
| Net interest margin | 2.5633% | 4,148 |
| Noninterest income to average assets | 0.3400% | 3,099 |
| Noninterest expense to average assets | 2.2806% | 2,688 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.3673% | 4,295 |
| Return on assets (ROA) | 0.3673% | 4,243 |
| Pretax return on assets | 0.4414% | 4,219 |
| Return on Equity (ROE) | 3.8000% | 4,181 |
| Retained earnings to average equity (ytd only) | 3.7998% | 3,511 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 83.6582% | 565 |
| Assets per employee ($millions) | 6.3879% | 2,414 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4693% | 4,503 |
| Loan loss allowance to noncurrent loans | 168.4411% | 2,892 |
| Noncurrent assets plus other real estate owned to assets | 0.1144% | 2,825 |
| Noncurrent loans to loans | 0.2786% | 2,259 |
| Net loans and leases to total assets | 40.8600% | 4,039 |
| Net loans and leases to deposits | 45.5352% | 4,048 |
| Net loans and leases to core deposits | 45.7531% | 4,124 |
| Total domestic deposits to total assets | 89.7200% | 1,777 |
| Equity capital to assets | 9.8737% | 1,678 |
| Core capital (leverage) ratio | 12.6828% | 998 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 33.4747% | 206 |
| Memoranda: | ||
| Average total assets | $228,354,250 | 2,872 |
| Average earning assets | $212,480,500 | 2,863 |
| Average equity | $22,071,000 | 2,818 |
| Average total loans | $92,176,000 | 3,264 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3724% | 4,473 |
| Cost of funding earning assets | 0.0471% | 4,612 |
| Net interest margin | 2.3252% | 4,308 |
| Noninterest income to average assets | 0.3441% | 3,091 |
| Noninterest expense to average assets | 2.2070% | 2,830 |
| Loan and lease loss provision to assets | 0.0061% | 2,490 |
| Net operating income to assets | 0.2520% | 4,360 |
| Return on assets (ROA) | 0.2520% | 4,320 |
| Pretax return on assets | 0.2959% | 4,305 |
| Return on Equity (ROE) | 2.6259% | 4,268 |
| Retained earnings to average equity (ytd only) | 2.6259% | 3,568 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.9636% | 489 |
| Assets per employee ($millions) | 6.0336% | 2,710 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4737% | 4,572 |
| Loan loss allowance to noncurrent loans | 202.2831% | 2,665 |
| Noncurrent assets plus other real estate owned to assets | 0.0955% | 3,051 |
| Noncurrent loans to loans | 0.2342% | 2,548 |
| Net loans and leases to total assets | 40.5931% | 4,050 |
| Net loans and leases to deposits | 45.6014% | 4,044 |
| Net loans and leases to core deposits | 45.8221% | 4,130 |
| Total domestic deposits to total assets | 89.0173% | 2,177 |
| Equity capital to assets | 10.6814% | 1,362 |
| Core capital (leverage) ratio | 12.6824% | 914 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 36.4232% | 145 |
| Memoranda: | ||
| Average total assets | $227,817,333 | 2,899 |
| Average earning assets | $212,108,333 | 2,900 |
| Average equity | $21,859,333 | 2,912 |
| Average total loans | $91,435,333 | 3,305 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2247% | 4,519 |
| Cost of funding earning assets | 0.0473% | 4,620 |
| Net interest margin | 2.1775% | 4,374 |
| Noninterest income to average assets | 0.3452% | 3,029 |
| Noninterest expense to average assets | 2.1912% | 2,864 |
| Loan and lease loss provision to assets | 0.0123% | 2,122 |
| Net operating income to assets | 0.1532% | 4,398 |
| Return on assets (ROA) | 0.1532% | 4,367 |
| Pretax return on assets | 0.1709% | 4,362 |
| Return on Equity (ROE) | 1.6939% | 4,311 |
| Retained earnings to average equity (ytd only) | 1.6939% | 3,632 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.2849% | 450 |
| Assets per employee ($millions) | 6.3186% | 2,533 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4832% | 4,603 |
| Loan loss allowance to noncurrent loans | 211.9617% | 2,534 |
| Noncurrent assets plus other real estate owned to assets | 0.0919% | 3,164 |
| Noncurrent loans to loans | 0.2280% | 2,684 |
| Net loans and leases to total assets | 40.1094% | 4,005 |
| Net loans and leases to deposits | 44.1746% | 4,057 |
| Net loans and leases to core deposits | 44.3856% | 4,139 |
| Total domestic deposits to total assets | 90.7974% | 1,136 |
| Equity capital to assets | 8.4438% | 3,210 |
| Core capital (leverage) ratio | 9.6507% | 2,651 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.5428% | 315 |
| Memoranda: | ||
| Average total assets | $227,087,000 | 2,918 |
| Average earning assets | $211,621,500 | 2,918 |
| Average equity | $20,544,000 | 3,101 |
| Average total loans | $90,396,000 | 3,326 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3401% | 4,568 |
| Cost of funding earning assets | 0.0778% | 4,547 |
| Net interest margin | 2.2623% | 4,442 |
| Noninterest income to average assets | 0.4040% | 3,026 |
| Noninterest expense to average assets | 2.2891% | 2,827 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.1868% | 4,551 |
| Return on assets (ROA) | 0.1868% | 4,566 |
| Pretax return on assets | 0.2115% | 4,568 |
| Return on Equity (ROE) | 1.7871% | 4,526 |
| Retained earnings to average equity (ytd only) | 1.7871% | 4,047 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.5418% | 276 |
| Assets per employee ($millions) | 6.4773% | 2,354 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4893% | 4,632 |
| Loan loss allowance to noncurrent loans | 204.6948% | 2,555 |
| Noncurrent assets plus other real estate owned to assets | 0.0940% | 3,279 |
| Noncurrent loans to loans | 0.2390% | 2,778 |
| Net loans and leases to total assets | 39.1154% | 4,142 |
| Net loans and leases to deposits | 43.4242% | 4,206 |
| Net loans and leases to core deposits | 43.6340% | 4,280 |
| Total domestic deposits to total assets | 90.0775% | 923 |
| Equity capital to assets | 9.6517% | 2,993 |
| Core capital (leverage) ratio | 9.7834% | 2,594 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.6914% | 246 |
| Memoranda: | ||
| Average total assets | $210,872,600 | 2,981 |
| Average earning assets | $195,422,000 | 2,993 |
| Average equity | $22,046,400 | 3,056 |
| Average total loans | $85,758,200 | 3,395 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4181% | 4,618 |
| Cost of funding earning assets | 0.0864% | 4,601 |
| Net interest margin | 2.3317% | 4,459 |
| Noninterest income to average assets | 0.4137% | 3,012 |
| Noninterest expense to average assets | 2.3359% | 2,640 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.2056% | 4,623 |
| Return on assets (ROA) | 0.2056% | 4,643 |
| Pretax return on assets | 0.2346% | 4,647 |
| Return on Equity (ROE) | 1.9256% | 4,601 |
| Retained earnings to average equity (ytd only) | 1.9256% | 4,206 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.8749% | 297 |
| Assets per employee ($millions) | 5.8119% | 2,877 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5092% | 4,698 |
| Loan loss allowance to noncurrent loans | 195.5157% | 2,568 |
| Noncurrent assets plus other real estate owned to assets | 0.1066% | 3,396 |
| Noncurrent loans to loans | 0.2605% | 2,888 |
| Net loans and leases to total assets | 40.7121% | 4,171 |
| Net loans and leases to deposits | 46.0080% | 4,227 |
| Net loans and leases to core deposits | 46.3202% | 4,309 |
| Total domestic deposits to total assets | 88.4892% | 1,566 |
| Equity capital to assets | 10.5649% | 2,405 |
| Core capital (leverage) ratio | 10.1159% | 2,376 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.3163% | 227 |
| Memoranda: | ||
| Average total assets | $206,914,250 | 3,044 |
| Average earning assets | $191,382,500 | 3,051 |
| Average equity | $22,087,750 | 3,082 |
| Average total loans | $84,919,500 | 3,453 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3952% | 4,675 |
| Cost of funding earning assets | 0.0924% | 4,621 |
| Net interest margin | 2.3029% | 4,516 |
| Noninterest income to average assets | 0.4094% | 3,060 |
| Noninterest expense to average assets | 2.3450% | 2,628 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.1727% | 4,654 |
| Return on assets (ROA) | 0.1727% | 4,672 |
| Pretax return on assets | 0.1931% | 4,676 |
| Return on Equity (ROE) | 1.6122% | 4,635 |
| Retained earnings to average equity (ytd only) | 1.6122% | 4,215 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.3930% | 284 |
| Assets per employee ($millions) | 6.0754% | 2,539 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5101% | 4,729 |
| Loan loss allowance to noncurrent loans | 174.4000% | 2,652 |
| Noncurrent assets plus other real estate owned to assets | 0.1176% | 3,454 |
| Noncurrent loans to loans | 0.2925% | 2,879 |
| Net loans and leases to total assets | 39.9947% | 4,287 |
| Net loans and leases to deposits | 44.9490% | 4,351 |
| Net loans and leases to core deposits | 45.2470% | 4,419 |
| Total domestic deposits to total assets | 88.9780% | 1,293 |
| Equity capital to assets | 10.3796% | 2,510 |
| Core capital (leverage) ratio | 10.1227% | 2,281 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.2682% | 267 |
| Memoranda: | ||
| Average total assets | $206,142,333 | 3,052 |
| Average earning assets | $190,544,000 | 3,065 |
| Average equity | $22,082,000 | 3,080 |
| Average total loans | $84,686,667 | 3,470 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4346% | 4,696 |
| Cost of funding earning assets | 0.0982% | 4,658 |
| Net interest margin | 2.3363% | 4,481 |
| Noninterest income to average assets | 0.4337% | 2,907 |
| Noninterest expense to average assets | 2.3598% | 2,622 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.2031% | 4,634 |
| Return on assets (ROA) | 0.2031% | 4,658 |
| Pretax return on assets | 0.2307% | 4,658 |
| Return on Equity (ROE) | 1.8653% | 4,622 |
| Retained earnings to average equity (ytd only) | 1.8653% | 4,040 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.0959% | 343 |
| Assets per employee ($millions) | 6.0553% | 2,549 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5118% | 4,767 |
| Loan loss allowance to noncurrent loans | 172.3320% | 2,601 |
| Noncurrent assets plus other real estate owned to assets | 0.1229% | 3,562 |
| Noncurrent loans to loans | 0.2970% | 3,033 |
| Net loans and leases to total assets | 41.1650% | 4,284 |
| Net loans and leases to deposits | 46.2344% | 4,338 |
| Net loans and leases to core deposits | 46.4674% | 4,423 |
| Total domestic deposits to total assets | 89.0353% | 1,328 |
| Equity capital to assets | 10.6339% | 2,144 |
| Core capital (leverage) ratio | 10.6328% | 1,976 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.5445% | 224 |
| Memoranda: | ||
| Average total assets | $202,894,500 | 3,064 |
| Average earning assets | $187,301,500 | 3,076 |
| Average equity | $22,087,500 | 3,071 |
| Average total loans | $84,290,000 | 3,491 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8402% | 4,733 |
| Cost of funding earning assets | 0.1170% | 4,824 |
| Net interest margin | 2.7231% | 4,354 |
| Noninterest income to average assets | 0.4226% | 3,006 |
| Noninterest expense to average assets | 2.7348% | 2,132 |
| Loan and lease loss provision to assets | 0.0483% | 3,790 |
| Net operating income to assets | 0.1283% | 4,649 |
| Return on assets (ROA) | 0.1283% | 4,689 |
| Pretax return on assets | 0.1333% | 4,684 |
| Return on Equity (ROE) | 1.0557% | 4,677 |
| Retained earnings to average equity (ytd only) | 1.0557% | 4,208 |
| Net charge-offs to loans | 0.0558% | 1,983 |
| Credit loss provision to net charge-offs | 185.1064% | 2,239 |
| Earnings coverage of net charge-offs (x) | 6.9574% | 2,735 |
| Efficiency ratio | 93.7738% | 273 |
| Assets per employee ($millions) | 5.2608% | 3,087 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5228% | 4,776 |
| Loan loss allowance to noncurrent loans | 167.6923% | 2,634 |
| Noncurrent assets plus other real estate owned to assets | 0.1301% | 3,638 |
| Noncurrent loans to loans | 0.3118% | 3,088 |
| Net loans and leases to total assets | 41.4977% | 4,380 |
| Net loans and leases to deposits | 46.9039% | 4,433 |
| Net loans and leases to core deposits | 47.1486% | 4,511 |
| Total domestic deposits to total assets | 88.4738% | 1,245 |
| Equity capital to assets | 11.1460% | 2,135 |
| Core capital (leverage) ratio | 10.8618% | 1,886 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.6126% | 254 |
| Memoranda: | ||
| Average total assets | $180,084,600 | 3,100 |
| Average earning assets | $164,919,600 | 3,121 |
| Average equity | $21,880,400 | 3,020 |
| Average total loans | $84,157,400 | 3,498 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9211% | 4,785 |
| Cost of funding earning assets | 0.1207% | 4,878 |
| Net interest margin | 2.8004% | 4,343 |
| Noninterest income to average assets | 0.3928% | 3,114 |
| Noninterest expense to average assets | 2.8595% | 1,802 |
| Loan and lease loss provision to assets | 0.0577% | 3,633 |
| Net operating income to assets | 0.1051% | 4,697 |
| Return on assets (ROA) | 0.1051% | 4,722 |
| Pretax return on assets | 0.0373% | 4,763 |
| Return on Equity (ROE) | 0.8448% | 4,721 |
| Retained earnings to average equity (ytd only) | 0.8448% | 4,301 |
| Net charge-offs to loans | 0.0348% | 2,139 |
| Credit loss provision to net charge-offs | 345.4545% | 1,624 |
| Earnings coverage of net charge-offs (x) | 5.6818% | 2,712 |
| Efficiency ratio | 96.7792% | 211 |
| Assets per employee ($millions) | 4.9349% | 3,334 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5405% | 4,782 |
| Loan loss allowance to noncurrent loans | 138.0368% | 2,840 |
| Noncurrent assets plus other real estate owned to assets | 0.1738% | 3,557 |
| Noncurrent loans to loans | 0.3916% | 2,890 |
| Net loans and leases to total assets | 44.1573% | 4,414 |
| Net loans and leases to deposits | 50.3649% | 4,477 |
| Net loans and leases to core deposits | 50.6471% | 4,563 |
| Total domestic deposits to total assets | 87.6747% | 1,358 |
| Equity capital to assets | 11.7979% | 1,805 |
| Core capital (leverage) ratio | 11.3974% | 1,648 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.7267% | 221 |
| Memoranda: | ||
| Average total assets | $175,128,250 | 3,133 |
| Average earning assets | $160,210,750 | 3,151 |
| Average equity | $21,780,000 | 3,017 |
| Average total loans | $84,348,250 | 3,515 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0795% | 4,795 |
| Cost of funding earning assets | 0.1256% | 4,932 |
| Net interest margin | 2.9539% | 4,222 |
| Noninterest income to average assets | 0.3825% | 3,189 |
| Noninterest expense to average assets | 2.9346% | 1,755 |
| Loan and lease loss provision to assets | 0.0409% | 3,768 |
| Net operating income to assets | 0.1053% | 4,681 |
| Return on assets (ROA) | 0.1053% | 4,710 |
| Pretax return on assets | 0.1029% | 4,723 |
| Return on Equity (ROE) | 0.8308% | 4,705 |
| Retained earnings to average equity (ytd only) | 0.8308% | 4,132 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.3267% | 262 |
| Assets per employee ($millions) | 4.8248% | 3,392 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5123% | 4,821 |
| Loan loss allowance to noncurrent loans | 105.6373% | 3,142 |
| Noncurrent assets plus other real estate owned to assets | 0.2225% | 3,439 |
| Noncurrent loans to loans | 0.4850% | 2,692 |
| Net loans and leases to total assets | 45.6483% | 4,380 |
| Net loans and leases to deposits | 52.1712% | 4,439 |
| Net loans and leases to core deposits | 52.3884% | 4,548 |
| Total domestic deposits to total assets | 87.4971% | 1,416 |
| Equity capital to assets | 11.9995% | 1,658 |
| Core capital (leverage) ratio | 12.0286% | 1,361 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.5810% | 222 |
| Memoranda: | ||
| Average total assets | $170,996,000 | 3,152 |
| Average earning assets | $156,062,333 | 3,172 |
| Average equity | $21,665,333 | 3,017 |
| Average total loans | $84,712,333 | 3,507 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3421% | 4,783 |
| Cost of funding earning assets | 0.1336% | 4,997 |
| Net interest margin | 3.2086% | 3,833 |
| Noninterest income to average assets | 0.3713% | 3,289 |
| Noninterest expense to average assets | 3.1161% | 1,598 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.1602% | 4,588 |
| Return on assets (ROA) | 0.1602% | 4,590 |
| Pretax return on assets | 0.1699% | 4,598 |
| Return on Equity (ROE) | 1.2280% | 4,592 |
| Retained earnings to average equity (ytd only) | 1.2280% | 3,685 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.8301% | 354 |
| Assets per employee ($millions) | 4.2211% | 3,626 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4635% | 4,905 |
| Loan loss allowance to noncurrent loans | 123.7500% | 2,908 |
| Noncurrent assets plus other real estate owned to assets | 0.1944% | 3,710 |
| Noncurrent loans to loans | 0.3745% | 3,142 |
| Net loans and leases to total assets | 51.6611% | 4,138 |
| Net loans and leases to deposits | 59.8014% | 4,207 |
| Net loans and leases to core deposits | 60.3244% | 4,342 |
| Total domestic deposits to total assets | 86.3877% | 1,834 |
| Equity capital to assets | 13.1828% | 1,349 |
| Core capital (leverage) ratio | 12.8685% | 1,258 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 33.1739% | 229 |
| Memoranda: | ||
| Average total assets | $164,823,500 | 3,178 |
| Average earning assets | $149,724,500 | 3,199 |
| Average equity | $21,498,000 | 3,024 |
| Average total loans | $85,007,000 | 3,498 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6305% | 4,743 |
| Cost of funding earning assets | 0.1091% | 5,092 |
| Net interest margin | 3.5214% | 3,379 |
| Noninterest income to average assets | 0.3685% | 3,498 |
| Noninterest expense to average assets | 3.0321% | 1,934 |
| Loan and lease loss provision to assets | 0.0828% | 2,353 |
| Net operating income to assets | 0.4035% | 4,589 |
| Return on assets (ROA) | 0.4035% | 4,623 |
| Pretax return on assets | 0.4795% | 4,608 |
| Return on Equity (ROE) | 3.1543% | 4,637 |
| Retained earnings to average equity (ytd only) | 3.1543% | 3,448 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.3569% | 636 |
| Assets per employee ($millions) | 4.2314% | 3,596 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4682% | 4,926 |
| Loan loss allowance to noncurrent loans | 71.7391% | 3,732 |
| Noncurrent assets plus other real estate owned to assets | 0.3345% | 3,083 |
| Noncurrent loans to loans | 0.6527% | 2,259 |
| Net loans and leases to total assets | 51.0083% | 4,282 |
| Net loans and leases to deposits | 58.8084% | 4,341 |
| Net loans and leases to core deposits | 59.3181% | 4,469 |
| Total domestic deposits to total assets | 86.7365% | 1,737 |
| Equity capital to assets | 12.9036% | 1,580 |
| Core capital (leverage) ratio | 12.6743% | 1,393 |
| Tier 1 risk-based capital ratio | 32.6337% | 395 |
| Total risk-based capital ratio | 33.2498% | 403 |
| Memoranda: | ||
| Average total assets | $163,087,400 | 3,178 |
| Average earning assets | $149,402,200 | 3,180 |
| Average equity | $20,860,600 | 3,047 |
| Average total loans | $85,002,600 | 3,505 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6787% | 4,804 |
| Cost of funding earning assets | 0.1036% | 5,178 |
| Net interest margin | 3.5750% | 3,313 |
| Noninterest income to average assets | 0.3583% | 3,583 |
| Noninterest expense to average assets | 2.9913% | 2,005 |
| Loan and lease loss provision to assets | 0.1107% | 1,763 |
| Net operating income to assets | 0.4493% | 4,622 |
| Return on assets (ROA) | 0.4493% | 4,658 |
| Pretax return on assets | 0.5371% | 4,639 |
| Return on Equity (ROE) | 3.5208% | 4,674 |
| Retained earnings to average equity (ytd only) | 3.5208% | 3,646 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.1992% | 747 |
| Assets per employee ($millions) | 4.1903% | 3,630 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4699% | 5,009 |
| Loan loss allowance to noncurrent loans | 56.9784% | 4,066 |
| Noncurrent assets plus other real estate owned to assets | 0.4253% | 2,808 |
| Noncurrent loans to loans | 0.8247% | 1,917 |
| Net loans and leases to total assets | 51.3260% | 4,349 |
| Net loans and leases to deposits | 59.4138% | 4,410 |
| Net loans and leases to core deposits | 59.9343% | 4,539 |
| Total domestic deposits to total assets | 86.3874% | 1,828 |
| Equity capital to assets | 13.0062% | 1,622 |
| Core capital (leverage) ratio | 12.8299% | 1,418 |
| Tier 1 risk-based capital ratio | 32.9360% | 401 |
| Total risk-based capital ratio | 33.5612% | 412 |
| Memoranda: | ||
| Average total assets | $162,603,250 | 3,216 |
| Average earning assets | $149,215,750 | 3,210 |
| Average equity | $20,752,250 | 3,083 |
| Average total loans | $85,110,250 | 3,541 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7034% | 4,826 |
| Cost of funding earning assets | 0.0937% | 5,233 |
| Net interest margin | 3.6098% | 3,221 |
| Noninterest income to average assets | 0.3524% | 3,580 |
| Noninterest expense to average assets | 2.9890% | 2,033 |
| Loan and lease loss provision to assets | 0.1663% | 1,092 |
| Net operating income to assets | 0.4361% | 4,662 |
| Return on assets (ROA) | 0.4361% | 4,687 |
| Pretax return on assets | 0.5212% | 4,664 |
| Return on Equity (ROE) | 3.4395% | 4,697 |
| Retained earnings to average equity (ytd only) | 3.4395% | 3,519 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.3003% | 851 |
| Assets per employee ($millions) | 4.1749% | 3,613 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4635% | 5,060 |
| Loan loss allowance to noncurrent loans | 61.7785% | 3,979 |
| Noncurrent assets plus other real estate owned to assets | 0.3937% | 2,931 |
| Noncurrent loans to loans | 0.7503% | 2,112 |
| Net loans and leases to total assets | 52.2270% | 4,340 |
| Net loans and leases to deposits | 60.3193% | 4,415 |
| Net loans and leases to core deposits | 60.7359% | 4,550 |
| Total domestic deposits to total assets | 86.5841% | 1,777 |
| Equity capital to assets | 12.9368% | 1,611 |
| Core capital (leverage) ratio | 12.7750% | 1,416 |
| Tier 1 risk-based capital ratio | 33.0677% | 387 |
| Total risk-based capital ratio | 33.7013% | 401 |
| Memoranda: | ||
| Average total assets | $162,330,330 | 3,234 |
| Average earning assets | $149,484,000 | 3,227 |
| Average equity | $20,584,670 | 3,099 |
| Average total loans | $85,389,000 | 3,562 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6665% | 4,891 |
| Cost of funding earning assets | 0.0855% | 5,297 |
| Net interest margin | 3.5810% | 3,323 |
| Noninterest income to average assets | 0.3233% | 3,699 |
| Noninterest expense to average assets | 2.9639% | 2,093 |
| Loan and lease loss provision to assets | 0.2221% | 700 |
| Net operating income to assets | 0.3751% | 4,782 |
| Return on assets (ROA) | 0.3751% | 4,787 |
| Pretax return on assets | 0.4442% | 4,783 |
| Return on Equity (ROE) | 2.9884% | 4,786 |
| Retained earnings to average equity (ytd only) | 2.9884% | 3,738 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.6451% | 905 |
| Assets per employee ($millions) | 4.1549% | 3,692 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4128% | 5,161 |
| Loan loss allowance to noncurrent loans | 45.4663% | 4,345 |
| Noncurrent assets plus other real estate owned to assets | 0.4764% | 2,703 |
| Noncurrent loans to loans | 0.9080% | 1,841 |
| Net loans and leases to total assets | 52.2519% | 4,318 |
| Net loans and leases to deposits | 60.0967% | 4,403 |
| Net loans and leases to core deposits | 60.5107% | 4,550 |
| Total domestic deposits to total assets | 86.9464% | 1,842 |
| Equity capital to assets | 12.7000% | 1,625 |
| Core capital (leverage) ratio | 12.7617% | 1,374 |
| Tier 1 risk-based capital ratio | 33.7166% | 362 |
| Total risk-based capital ratio | 34.2948% | 371 |
| Memoranda: | ||
| Average total assets | $162,084,500 | 3,275 |
| Average earning assets | $149,678,000 | 3,271 |
| Average equity | $20,345,000 | 3,122 |
| Average total loans | $85,367,000 | 3,588 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4207% | 4,987 |
| Cost of funding earning assets | 0.0659% | 5,345 |
| Net interest margin | 3.3547% | 4,119 |
| Noninterest income to average assets | 0.3523% | 3,744 |
| Noninterest expense to average assets | 3.0423% | 1,960 |
| Loan and lease loss provision to assets | 0.0924% | 2,305 |
| Net operating income to assets | 0.2771% | 5,037 |
| Return on assets (ROA) | 0.2771% | 5,033 |
| Pretax return on assets | 0.3196% | 5,029 |
| Return on Equity (ROE) | 2.2737% | 5,009 |
| Retained earnings to average equity (ytd only) | 2.2737% | 4,245 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.0727% | 428 |
| Assets per employee ($millions) | 4.0532% | 3,822 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3045% | 5,280 |
| Loan loss allowance to noncurrent loans | 27.7365% | 4,668 |
| Noncurrent assets plus other real estate owned to assets | 0.5804% | 2,301 |
| Noncurrent loans to loans | 1.0978% | 1,475 |
| Net loans and leases to total assets | 52.7068% | 4,374 |
| Net loans and leases to deposits | 60.3294% | 4,459 |
| Net loans and leases to core deposits | 60.7420% | 4,597 |
| Total domestic deposits to total assets | 87.3650% | 1,599 |
| Equity capital to assets | 12.4043% | 1,630 |
| Core capital (leverage) ratio | 12.4965% | 1,455 |
| Tier 1 risk-based capital ratio | 33.6759% | 349 |
| Total risk-based capital ratio | 34.1086% | 366 |
| Memoranda: | ||
| Average total assets | $162,375,000 | 3,249 |
| Average earning assets | $150,146,200 | 3,243 |
| Average equity | $19,791,600 | 3,104 |
| Average total loans | $86,074,400 | 3,550 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3495% | 5,086 |
| Cost of funding earning assets | 0.0630% | 5,415 |
| Net interest margin | 3.2865% | 4,313 |
| Noninterest income to average assets | 0.3423% | 3,857 |
| Noninterest expense to average assets | 3.0378% | 1,904 |
| Loan and lease loss provision to assets | 0.0493% | 3,007 |
| Net operating income to assets | 0.2561% | 5,145 |
| Return on assets (ROA) | 0.2561% | 5,141 |
| Pretax return on assets | 0.2939% | 5,143 |
| Return on Equity (ROE) | 2.1104% | 5,118 |
| Retained earnings to average equity (ytd only) | 2.1104% | 4,538 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.8519% | 330 |
| Assets per employee ($millions) | 4.0683% | 3,785 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1954% | 5,398 |
| Loan loss allowance to noncurrent loans | 17.7570% | 4,883 |
| Noncurrent assets plus other real estate owned to assets | 0.5918% | 2,408 |
| Noncurrent loans to loans | 1.1005% | 1,547 |
| Net loans and leases to total assets | 53.6652% | 4,383 |
| Net loans and leases to deposits | 61.3473% | 4,475 |
| Net loans and leases to core deposits | 61.5219% | 4,634 |
| Total domestic deposits to total assets | 87.4776% | 1,502 |
| Equity capital to assets | 12.1401% | 1,809 |
| Core capital (leverage) ratio | 12.4220% | 1,542 |
| Tier 1 risk-based capital ratio | 33.0673% | 368 |
| Total risk-based capital ratio | 33.3475% | 390 |
| Memoranda: | ||
| Average total assets | $162,436,500 | 3,276 |
| Average earning assets | $150,187,750 | 3,270 |
| Average equity | $19,711,750 | 3,136 |
| Average total loans | $86,164,500 | 3,574 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2827% | 5,152 |
| Cost of funding earning assets | 0.0626% | 5,471 |
| Net interest margin | 3.2201% | 4,460 |
| Noninterest income to average assets | 0.3351% | 3,939 |
| Noninterest expense to average assets | 3.0233% | 1,984 |
| Loan and lease loss provision to assets | 0.0185% | 3,529 |
| Net operating income to assets | 0.2390% | 5,189 |
| Return on assets (ROA) | 0.2390% | 5,184 |
| Pretax return on assets | 0.2723% | 5,184 |
| Return on Equity (ROE) | 1.9698% | 5,177 |
| Retained earnings to average equity (ytd only) | 1.9698% | 4,471 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.2268% | 327 |
| Assets per employee ($millions) | 4.2985% | 3,422 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1469% | 5,466 |
| Loan loss allowance to noncurrent loans | 13.7555% | 4,924 |
| Noncurrent assets plus other real estate owned to assets | 0.5608% | 2,548 |
| Noncurrent loans to loans | 1.0679% | 1,653 |
| Net loans and leases to total assets | 52.4372% | 4,448 |
| Net loans and leases to deposits | 59.8337% | 4,537 |
| Net loans and leases to core deposits | 60.0031% | 4,708 |
| Total domestic deposits to total assets | 87.6382% | 1,569 |
| Equity capital to assets | 12.0790% | 1,803 |
| Core capital (leverage) ratio | 12.3693% | 1,510 |
| Tier 1 risk-based capital ratio | 33.6821% | 356 |
| Total risk-based capital ratio | 33.8936% | 383 |
| Memoranda: | ||
| Average total assets | $162,337,670 | 3,294 |
| Average earning assets | $150,181,330 | 3,290 |
| Average equity | $19,697,000 | 3,158 |
| Average total loans | $85,718,670 | 3,610 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2402% | 5,202 |
| Cost of funding earning assets | 0.0614% | 5,533 |
| Net interest margin | 3.1787% | 4,534 |
| Noninterest income to average assets | 0.3263% | 3,973 |
| Noninterest expense to average assets | 3.0550% | 1,934 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.1928% | 5,249 |
| Return on assets (ROA) | 0.1928% | 5,249 |
| Pretax return on assets | 0.2126% | 5,250 |
| Return on Equity (ROE) | 1.5853% | 5,237 |
| Retained earnings to average equity (ytd only) | 1.5853% | 4,465 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.4947% | 316 |
| Assets per employee ($millions) | 4.3738% | 3,359 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1303% | 5,532 |
| Loan loss allowance to noncurrent loans | 13.2300% | 4,978 |
| Noncurrent assets plus other real estate owned to assets | 0.5184% | 2,798 |
| Noncurrent loans to loans | 0.9852% | 1,852 |
| Net loans and leases to total assets | 52.5530% | 4,400 |
| Net loans and leases to deposits | 60.0839% | 4,468 |
| Net loans and leases to core deposits | 60.0839% | 4,649 |
| Total domestic deposits to total assets | 87.4659% | 1,914 |
| Equity capital to assets | 12.1417% | 1,690 |
| Core capital (leverage) ratio | 12.5348% | 1,374 |
| Tier 1 risk-based capital ratio | 34.0616% | 347 |
| Total risk-based capital ratio | 34.2512% | 366 |
| Memoranda: | ||
| Average total assets | $161,835,500 | 3,331 |
| Average earning assets | $149,745,500 | 3,332 |
| Average equity | $19,680,500 | 3,187 |
| Average total loans | $85,689,000 | 3,634 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1662% | 5,229 |
| Cost of funding earning assets | 0.0710% | 5,575 |
| Net interest margin | 3.0952% | 4,701 |
| Noninterest income to average assets | 0.3320% | 4,095 |
| Noninterest expense to average assets | 3.0722% | 1,949 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.1987% | 5,114 |
| Return on assets (ROA) | 0.1987% | 5,130 |
| Pretax return on assets | 0.1099% | 5,370 |
| Return on Equity (ROE) | 1.6476% | 5,124 |
| Retained earnings to average equity (ytd only) | 1.6476% | 4,313 |
| Net charge-offs to loans | 0.0057% | 3,881 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 35.6000% | 1,359 |
| Efficiency ratio | 96.5477% | 242 |
| Assets per employee ($millions) | 4.1497% | 3,737 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1287% | 5,596 |
| Loan loss allowance to noncurrent loans | 15.2263% | 5,011 |
| Noncurrent assets plus other real estate owned to assets | 0.4504% | 3,065 |
| Noncurrent loans to loans | 0.8455% | 2,105 |
| Net loans and leases to total assets | 53.2063% | 4,424 |
| Net loans and leases to deposits | 60.8106% | 4,514 |
| Net loans and leases to core deposits | 60.8106% | 4,714 |
| Total domestic deposits to total assets | 87.4951% | 1,766 |
| Equity capital to assets | 12.1799% | 1,711 |
| Core capital (leverage) ratio | 12.2806% | 1,458 |
| Tier 1 risk-based capital ratio | 33.7559% | 349 |
| Total risk-based capital ratio | 33.9445% | 373 |
| Memoranda: | ||
| Average total assets | $162,034,400 | 3,324 |
| Average earning assets | $149,201,000 | 3,333 |
| Average equity | $19,544,000 | 3,195 |
| Average total loans | $87,755,000 | 3,568 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1391% | 5,298 |
| Cost of funding earning assets | 0.0715% | 5,635 |
| Net interest margin | 3.0676% | 4,781 |
| Noninterest income to average assets | 0.3340% | 4,148 |
| Noninterest expense to average assets | 3.0848% | 1,844 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.0872% | 5,454 |
| Return on assets (ROA) | 0.0872% | 5,466 |
| Pretax return on assets | 0.0707% | 5,476 |
| Return on Equity (ROE) | 0.7247% | 5,460 |
| Retained earnings to average equity (ytd only) | 0.7247% | 5,056 |
| Net charge-offs to loans | 0.0076% | 3,461 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 17.1904% | 2,114 |
| Efficiency ratio | 97.7581% | 207 |
| Assets per employee ($millions) | 4.1188% | 3,790 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1262% | 5,667 |
| Loan loss allowance to noncurrent loans | 20.5176% | 5,061 |
| Noncurrent assets plus other real estate owned to assets | 0.3368% | 3,708 |
| Noncurrent loans to loans | 0.6149% | 2,870 |
| Net loans and leases to total assets | 54.6995% | 4,352 |
| Net loans and leases to deposits | 62.6183% | 4,472 |
| Net loans and leases to core deposits | 62.6183% | 4,673 |
| Total domestic deposits to total assets | 87.3539% | 1,697 |
| Equity capital to assets | 12.2060% | 1,832 |
| Core capital (leverage) ratio | 12.2930% | 1,516 |
| Tier 1 risk-based capital ratio | 32.9629% | 383 |
| Total risk-based capital ratio | 33.1495% | 417 |
| Memoranda: | ||
| Average total assets | $162,083,000 | 3,353 |
| Average earning assets | $149,083,500 | 3,364 |
| Average equity | $19,502,000 | 3,220 |
| Average total loans | $88,138,750 | 3,594 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1089% | 5,339 |
| Cost of funding earning assets | 0.0722% | 5,676 |
| Net interest margin | 3.0367% | 4,827 |
| Noninterest income to average assets | 0.3236% | 4,237 |
| Noninterest expense to average assets | 3.1114% | 1,813 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.0504% | 5,525 |
| Return on assets (ROA) | 0.0504% | 5,530 |
| Pretax return on assets | 0.0074% | 5,547 |
| Return on Equity (ROE) | 0.4212% | 5,529 |
| Retained earnings to average equity (ytd only) | 0.4212% | 4,993 |
| Net charge-offs to loans | 0.0113% | 3,065 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 1.2000% | 3,309 |
| Efficiency ratio | 99.7633% | 191 |
| Assets per employee ($millions) | 4.1529% | 3,708 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1260% | 5,717 |
| Loan loss allowance to noncurrent loans | 17.1032% | 5,134 |
| Noncurrent assets plus other real estate owned to assets | 0.4007% | 3,498 |
| Noncurrent loans to loans | 0.7370% | 2,550 |
| Net loans and leases to total assets | 54.3047% | 4,367 |
| Net loans and leases to deposits | 62.0051% | 4,506 |
| Net loans and leases to core deposits | 62.0051% | 4,716 |
| Total domestic deposits to total assets | 87.5810% | 1,673 |
| Equity capital to assets | 12.0707% | 1,882 |
| Core capital (leverage) ratio | 12.0481% | 1,603 |
| Tier 1 risk-based capital ratio | 33.4657% | 347 |
| Total risk-based capital ratio | 33.6557% | 379 |
| Memoranda: | ||
| Average total assets | $162,566,000 | 3,366 |
| Average earning assets | $149,635,330 | 3,377 |
| Average equity | $19,467,000 | 3,223 |
| Average total loans | $88,192,670 | 3,613 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0846% | 5,382 |
| Cost of funding earning assets | 0.0722% | 5,738 |
| Net interest margin | 3.0124% | 4,866 |
| Noninterest income to average assets | 0.2554% | 4,708 |
| Noninterest expense to average assets | 3.1756% | 1,681 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | -0.0540% | 5,632 |
| Return on assets (ROA) | -0.0540% | 5,637 |
| Pretax return on assets | -0.1523% | 5,659 |
| Return on Equity (ROE) | -0.4530% | 5,636 |
| Retained earnings to average equity (ytd only) | -0.4530% | 4,990 |
| Net charge-offs to loans | -0.0045% | 4,155 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.0366% | 169 |
| Assets per employee ($millions) | 4.2900% | 3,515 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1339% | 5,790 |
| Loan loss allowance to noncurrent loans | 531.8182% | 1,007 |
| Noncurrent assets plus other real estate owned to assets | 0.1165% | 4,799 |
| Noncurrent loans to loans | 0.0252% | 5,120 |
| Net loans and leases to total assets | 53.5367% | 4,378 |
| Net loans and leases to deposits | 60.9823% | 4,497 |
| Net loans and leases to core deposits | 60.9823% | 4,723 |
| Total domestic deposits to total assets | 87.7905% | 1,834 |
| Equity capital to assets | 11.9199% | 1,899 |
| Core capital (leverage) ratio | 12.1457% | 1,540 |
| Tier 1 risk-based capital ratio | 33.3345% | 368 |
| Total risk-based capital ratio | 33.5342% | 398 |
| Memoranda: | ||
| Average total assets | $162,868,000 | 3,392 |
| Average earning assets | $149,646,000 | 3,406 |
| Average equity | $19,425,500 | 3,233 |
| Average total loans | $88,257,000 | 3,637 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0505% | 5,461 |
| Cost of funding earning assets | 0.0784% | 5,780 |
| Net interest margin | 2.9721% | 5,013 |
| Noninterest income to average assets | 0.3938% | 3,939 |
| Noninterest expense to average assets | 2.9289% | 2,565 |
| Loan and lease loss provision to assets | 0.0031% | 4,290 |
| Net operating income to assets | 0.1782% | 5,451 |
| Return on assets (ROA) | 0.1782% | 5,499 |
| Pretax return on assets | 0.2000% | 5,496 |
| Return on Equity (ROE) | 1.4753% | 5,492 |
| Retained earnings to average equity (ytd only) | 1.4753% | 4,672 |
| Net charge-offs to loans | 0.0341% | 3,349 |
| Credit loss provision to net charge-offs | 16.6667% | 3,699 |
| Earnings coverage of net charge-offs (x) | 10.8667% | 2,594 |
| Efficiency ratio | 93.5150% | 404 |
| Assets per employee ($millions) | 4.3977% | 3,280 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1302% | 5,845 |
| Loan loss allowance to noncurrent loans | 386.6667% | 1,317 |
| Noncurrent assets plus other real estate owned to assets | 0.1401% | 4,750 |
| Noncurrent loans to loans | 0.0337% | 5,130 |
| Net loans and leases to total assets | 54.6999% | 4,370 |
| Net loans and leases to deposits | 62.3289% | 4,521 |
| Net loans and leases to core deposits | 62.3289% | 4,736 |
| Total domestic deposits to total assets | 87.7602% | 1,762 |
| Equity capital to assets | 11.9344% | 1,855 |
| Core capital (leverage) ratio | 12.0422% | 1,570 |
| Tier 1 risk-based capital ratio | 32.9829% | 373 |
| Total risk-based capital ratio | 33.1790% | 406 |
| Memoranda: | ||
| Average total assets | $160,501,800 | 3,390 |
| Average earning assets | $147,876,800 | 3,394 |
| Average equity | $19,386,200 | 3,228 |
| Average total loans | $88,019,000 | 3,618 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0489% | 5,532 |
| Cost of funding earning assets | 0.0795% | 5,846 |
| Net interest margin | 2.9694% | 5,066 |
| Noninterest income to average assets | 0.3885% | 4,004 |
| Noninterest expense to average assets | 2.8684% | 2,747 |
| Loan and lease loss provision to assets | 0.0042% | 4,141 |
| Net operating income to assets | 0.2151% | 5,440 |
| Return on assets (ROA) | 0.2151% | 5,502 |
| Pretax return on assets | 0.2551% | 5,505 |
| Return on Equity (ROE) | 1.7752% | 5,513 |
| Retained earnings to average equity (ytd only) | 1.7752% | 4,795 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.7111% | 479 |
| Assets per employee ($millions) | 4.1339% | 3,728 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1634% | 5,903 |
| Loan loss allowance to noncurrent loans | 90.1235% | 3,829 |
| Noncurrent assets plus other real estate owned to assets | 0.1520% | 4,834 |
| Noncurrent loans to loans | 0.1813% | 4,625 |
| Net loans and leases to total assets | 55.3395% | 4,375 |
| Net loans and leases to deposits | 63.3503% | 4,534 |
| Net loans and leases to core deposits | 63.3503% | 4,756 |
| Total domestic deposits to total assets | 87.3548% | 1,734 |
| Equity capital to assets | 12.1242% | 2,022 |
| Core capital (leverage) ratio | 12.2396% | 1,522 |
| Tier 1 risk-based capital ratio | 33.1778% | 379 |
| Total risk-based capital ratio | 33.4264% | 400 |
| Memoranda: | ||
| Average total assets | $159,948,500 | 3,412 |
| Average earning assets | $147,545,750 | 3,417 |
| Average equity | $19,378,000 | 3,252 |
| Average total loans | $87,743,500 | 3,639 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0293% | 5,620 |
| Cost of funding earning assets | 0.0801% | 5,925 |
| Net interest margin | 2.9491% | 5,173 |
| Noninterest income to average assets | 0.3749% | 4,069 |
| Noninterest expense to average assets | 2.8535% | 2,830 |
| Loan and lease loss provision to assets | 0.0063% | 3,940 |
| Net operating income to assets | 0.2031% | 5,517 |
| Return on assets (ROA) | 0.2031% | 5,575 |
| Pretax return on assets | 0.2370% | 5,578 |
| Return on Equity (ROE) | 1.6769% | 5,579 |
| Retained earnings to average equity (ytd only) | 1.6769% | 4,713 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.1457% | 488 |
| Assets per employee ($millions) | 4.2935% | 3,387 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1652% | 5,982 |
| Loan loss allowance to noncurrent loans | 59.5918% | 4,584 |
| Noncurrent assets plus other real estate owned to assets | 0.1542% | 4,895 |
| Noncurrent loans to loans | 0.2772% | 4,376 |
| Net loans and leases to total assets | 55.5395% | 4,355 |
| Net loans and leases to deposits | 63.6139% | 4,519 |
| Net loans and leases to core deposits | 63.6139% | 4,772 |
| Total domestic deposits to total assets | 87.3071% | 1,750 |
| Equity capital to assets | 12.2492% | 1,942 |
| Core capital (leverage) ratio | 12.1511% | 1,541 |
| Tier 1 risk-based capital ratio | 33.4963% | 372 |
| Total risk-based capital ratio | 33.7484% | 390 |
| Memoranda: | ||
| Average total assets | $159,523,670 | 3,439 |
| Average earning assets | $147,231,000 | 3,444 |
| Average equity | $19,321,670 | 3,264 |
| Average total loans | $87,202,670 | 3,662 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0075% | 5,686 |
| Cost of funding earning assets | 0.0814% | 5,983 |
| Net interest margin | 2.9261% | 5,271 |
| Noninterest income to average assets | 0.3678% | 4,092 |
| Noninterest expense to average assets | 2.8526% | 2,875 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.1877% | 5,551 |
| Return on assets (ROA) | 0.1877% | 5,607 |
| Pretax return on assets | 0.2152% | 5,625 |
| Return on Equity (ROE) | 1.5582% | 5,603 |
| Retained earnings to average equity (ytd only) | 1.5582% | 4,648 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.9853% | 500 |
| Assets per employee ($millions) | 3.9360% | 4,063 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1624% | 6,050 |
| Loan loss allowance to noncurrent loans | 881.2500% | 636 |
| Noncurrent assets plus other real estate owned to assets | 0.0102% | 5,634 |
| Noncurrent loans to loans | 0.0184% | 5,433 |
| Net loans and leases to total assets | 55.0654% | 4,348 |
| Net loans and leases to deposits | 63.0147% | 4,506 |
| Net loans and leases to core deposits | 63.0147% | 4,752 |
| Total domestic deposits to total assets | 87.3850% | 2,007 |
| Equity capital to assets | 12.2510% | 1,857 |
| Core capital (leverage) ratio | 12.1174% | 1,538 |
| Tier 1 risk-based capital ratio | 33.7411% | 373 |
| Total risk-based capital ratio | 33.9876% | 398 |
| Memoranda: | ||
| Average total assets | $159,855,500 | 3,451 |
| Average earning assets | $147,498,500 | 3,452 |
| Average equity | $19,253,000 | 3,277 |
| Average total loans | $86,616,000 | 3,691 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8839% | 5,826 |
| Cost of funding earning assets | 0.0900% | 6,003 |
| Net interest margin | 2.7939% | 5,521 |
| Noninterest income to average assets | 0.4082% | 3,974 |
| Noninterest expense to average assets | 2.8258% | 3,130 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.1536% | 5,669 |
| Return on assets (ROA) | 0.1536% | 5,718 |
| Pretax return on assets | 0.1610% | 5,741 |
| Return on Equity (ROE) | 1.2879% | 5,723 |
| Retained earnings to average equity (ytd only) | 1.2879% | 4,984 |
| Net charge-offs to loans | 0.0259% | 3,714 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 11.7273% | 2,537 |
| Efficiency ratio | 94.6082% | 456 |
| Assets per employee ($millions) | 4.0568% | 3,834 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1632% | 6,097 |
| Loan loss allowance to noncurrent loans | 881.2500% | 655 |
| Noncurrent assets plus other real estate owned to assets | 0.0099% | 5,669 |
| Noncurrent loans to loans | 0.0185% | 5,445 |
| Net loans and leases to total assets | 53.1549% | 4,578 |
| Net loans and leases to deposits | 60.5192% | 4,734 |
| Net loans and leases to core deposits | 60.5192% | 4,948 |
| Total domestic deposits to total assets | 87.8315% | 1,731 |
| Equity capital to assets | 11.8432% | 2,078 |
| Core capital (leverage) ratio | 11.9630% | 1,639 |
| Tier 1 risk-based capital ratio | 33.2297% | 387 |
| Total risk-based capital ratio | 33.4733% | 418 |
| Memoranda: | ||
| Average total assets | $160,205,200 | 3,430 |
| Average earning assets | $147,857,000 | 3,434 |
| Average equity | $19,100,400 | 3,254 |
| Average total loans | $85,005,600 | 3,701 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8315% | 5,939 |
| Cost of funding earning assets | 0.0913% | 6,084 |
| Net interest margin | 2.7401% | 5,680 |
| Noninterest income to average assets | 0.4475% | 3,733 |
| Noninterest expense to average assets | 2.8229% | 3,100 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.1495% | 5,774 |
| Return on assets (ROA) | 0.1495% | 5,825 |
| Pretax return on assets | 0.1545% | 5,841 |
| Return on Equity (ROE) | 1.2514% | 5,822 |
| Retained earnings to average equity (ytd only) | 1.2514% | 5,222 |
| Net charge-offs to loans | 0.0362% | 3,181 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 8.0424% | 2,848 |
| Efficiency ratio | 94.8121% | 458 |
| Assets per employee ($millions) | 3.9305% | 4,022 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1640% | 6,184 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 54.1932% | 4,549 |
| Net loans and leases to deposits | 62.0156% | 4,719 |
| Net loans and leases to core deposits | 62.0156% | 4,940 |
| Total domestic deposits to total assets | 87.3864% | 1,853 |
| Equity capital to assets | 12.1925% | 1,967 |
| Core capital (leverage) ratio | 12.0828% | 1,631 |
| Tier 1 risk-based capital ratio | 32.1414% | 440 |
| Total risk-based capital ratio | 32.3762% | 462 |
| Memoranda: | ||
| Average total assets | $159,688,750 | 3,465 |
| Average earning assets | $147,435,250 | 3,475 |
| Average equity | $19,071,000 | 3,290 |
| Average total loans | $84,658,000 | 3,740 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8123% | 6,007 |
| Cost of funding earning assets | 0.0931% | 6,158 |
| Net interest margin | 2.7191% | 5,743 |
| Noninterest income to average assets | 0.4261% | 3,881 |
| Noninterest expense to average assets | 2.7886% | 3,279 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.1433% | 5,824 |
| Return on assets (ROA) | 0.1433% | 5,866 |
| Pretax return on assets | 0.1483% | 5,880 |
| Return on Equity (ROE) | 1.2081% | 5,859 |
| Retained earnings to average equity (ytd only) | 1.2081% | 5,074 |
| Net charge-offs to loans | 0.0545% | 2,633 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 5.1739% | 2,949 |
| Efficiency ratio | 94.9512% | 482 |
| Assets per employee ($millions) | 4.0748% | 3,735 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1645% | 6,255 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 53.4750% | 4,617 |
| Net loans and leases to deposits | 61.0314% | 4,774 |
| Net loans and leases to core deposits | 61.0314% | 5,005 |
| Total domestic deposits to total assets | 87.6188% | 1,832 |
| Equity capital to assets | 12.0187% | 2,012 |
| Core capital (leverage) ratio | 11.9774% | 1,675 |
| Tier 1 risk-based capital ratio | 30.9497% | 492 |
| Total risk-based capital ratio | 31.1766% | 541 |
| Memoranda: | ||
| Average total assets | $160,512,000 | 3,478 |
| Average earning assets | $148,208,330 | 3,483 |
| Average equity | $19,038,330 | 3,311 |
| Average total loans | $84,430,000 | 3,769 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8033% | 6,069 |
| Cost of funding earning assets | 0.0913% | 6,234 |
| Net interest margin | 2.7120% | 5,781 |
| Noninterest income to average assets | 0.4067% | 3,947 |
| Noninterest expense to average assets | 2.8120% | 3,208 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.1116% | 5,853 |
| Return on assets (ROA) | 0.1116% | 5,912 |
| Pretax return on assets | 0.0992% | 5,949 |
| Return on Equity (ROE) | 0.9470% | 5,917 |
| Retained earnings to average equity (ytd only) | 0.9470% | 5,086 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.5928% | 480 |
| Assets per employee ($millions) | 3.8196% | 4,308 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1938% | 6,326 |
| Loan loss allowance to noncurrent loans | 708.6957% | 738 |
| Noncurrent assets plus other real estate owned to assets | 0.0461% | 5,754 |
| Noncurrent loans to loans | 0.0274% | 5,698 |
| Net loans and leases to total assets | 52.3179% | 4,634 |
| Net loans and leases to deposits | 59.5840% | 4,774 |
| Net loans and leases to core deposits | 59.7031% | 5,013 |
| Total domestic deposits to total assets | 87.8054% | 1,929 |
| Equity capital to assets | 11.8624% | 2,138 |
| Core capital (leverage) ratio | 11.7791% | 1,791 |
| Tier 1 risk-based capital ratio | 28.1492% | 644 |
| Total risk-based capital ratio | 28.3903% | 679 |
| Memoranda: | ||
| Average total assets | $161,308,500 | 3,489 |
| Average earning assets | $148,966,000 | 3,483 |
| Average equity | $19,007,500 | 3,338 |
| Average total loans | $84,084,000 | 3,795 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7563% | 6,231 |
| Cost of funding earning assets | 0.1199% | 6,247 |
| Net interest margin | 2.6364% | 6,025 |
| Noninterest income to average assets | 0.4466% | 3,856 |
| Noninterest expense to average assets | 2.8692% | 3,243 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.0523% | 6,015 |
| Return on assets (ROA) | 0.0523% | 6,042 |
| Pretax return on assets | 0.0123% | 6,082 |
| Return on Equity (ROE) | 0.4489% | 6,047 |
| Retained earnings to average equity (ytd only) | 0.4489% | 5,571 |
| Net charge-offs to loans | 0.0195% | 4,458 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 1.2500% | 4,458 |
| Efficiency ratio | 99.5730% | 376 |
| Assets per employee ($millions) | 3.8618% | 4,236 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1939% | 6,418 |
| Loan loss allowance to noncurrent loans | 708.6957% | 802 |
| Noncurrent assets plus other real estate owned to assets | 0.0456% | 5,854 |
| Noncurrent loans to loans | 0.0274% | 5,779 |
| Net loans and leases to total assets | 51.7356% | 4,809 |
| Net loans and leases to deposits | 58.8163% | 4,998 |
| Net loans and leases to core deposits | 58.9323% | 5,205 |
| Total domestic deposits to total assets | 87.9613% | 1,795 |
| Equity capital to assets | 11.7051% | 2,251 |
| Core capital (leverage) ratio | 11.7051% | 1,826 |
| Tier 1 risk-based capital ratio | 28.2422% | 605 |
| Total risk-based capital ratio | 28.4847% | 644 |
| Memoranda: | ||
| Average total assets | $162,556,200 | 3,459 |
| Average earning assets | $150,128,400 | 3,440 |
| Average equity | $18,934,800 | 3,294 |
| Average total loans | $81,893,000 | 3,822 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7508% | 6,308 |
| Cost of funding earning assets | 0.1261% | 6,303 |
| Net interest margin | 2.6247% | 6,103 |
| Noninterest income to average assets | 0.4517% | 3,885 |
| Noninterest expense to average assets | 2.8585% | 3,262 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.0549% | 6,079 |
| Return on assets (ROA) | 0.0549% | 6,107 |
| Pretax return on assets | 0.0156% | 6,135 |
| Return on Equity (ROE) | 0.4721% | 6,110 |
| Retained earnings to average equity (ytd only) | 0.4721% | 5,676 |
| Net charge-offs to loans | 0.0262% | 3,982 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 1.1875% | 4,210 |
| Efficiency ratio | 99.4581% | 387 |
| Assets per employee ($millions) | 3.8381% | 4,214 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1965% | 6,496 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0316% | 6,047 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 51.3682% | 4,863 |
| Net loans and leases to deposits | 58.4835% | 5,065 |
| Net loans and leases to core deposits | 58.5998% | 5,297 |
| Total domestic deposits to total assets | 87.8337% | 1,846 |
| Equity capital to assets | 11.7662% | 2,252 |
| Core capital (leverage) ratio | 11.7662% | 1,855 |
| Tier 1 risk-based capital ratio | 28.5252% | 609 |
| Total risk-based capital ratio | 28.7704% | 657 |
| Memoranda: | ||
| Average total assets | $162,646,750 | 3,479 |
| Average earning assets | $150,111,250 | 3,466 |
| Average equity | $18,922,250 | 3,314 |
| Average total loans | $81,347,500 | 3,866 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7240% | 6,382 |
| Cost of funding earning assets | 0.1343% | 6,338 |
| Net interest margin | 2.5897% | 6,185 |
| Noninterest income to average assets | 0.4414% | 3,929 |
| Noninterest expense to average assets | 2.8603% | 3,311 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.0245% | 6,164 |
| Return on assets (ROA) | 0.0245% | 6,190 |
| Pretax return on assets | -0.0307% | 6,218 |
| Return on Equity (ROE) | 0.2116% | 6,186 |
| Retained earnings to average equity (ytd only) | 0.2116% | 5,628 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.0832% | 379 |
| Assets per employee ($millions) | 3.9254% | 4,005 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2172% | 6,562 |
| Loan loss allowance to noncurrent loans | 271.2121% | 1,648 |
| Noncurrent assets plus other real estate owned to assets | 0.0400% | 6,085 |
| Noncurrent loans to loans | 0.0801% | 5,782 |
| Net loans and leases to total assets | 49.8687% | 4,972 |
| Net loans and leases to deposits | 56.5730% | 5,148 |
| Net loans and leases to core deposits | 56.6822% | 5,365 |
| Total domestic deposits to total assets | 88.1492% | 1,822 |
| Equity capital to assets | 11.4759% | 2,450 |
| Core capital (leverage) ratio | 11.4759% | 2,025 |
| Tier 1 risk-based capital ratio | 28.1820% | 631 |
| Total risk-based capital ratio | 28.4486% | 677 |
| Memoranda: | ||
| Average total assets | $163,129,330 | 3,489 |
| Average earning assets | $150,440,670 | 3,477 |
| Average equity | $18,907,330 | 3,301 |
| Average total loans | $80,807,330 | 3,887 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7424% | 6,433 |
| Cost of funding earning assets | 0.1390% | 6,408 |
| Net interest margin | 2.6034% | 6,235 |
| Noninterest income to average assets | 0.4240% | 3,998 |
| Noninterest expense to average assets | 2.8867% | 3,263 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.0049% | 6,207 |
| Return on assets (ROA) | 0.0049% | 6,223 |
| Pretax return on assets | -0.0616% | 6,256 |
| Return on Equity (ROE) | 0.0423% | 6,223 |
| Retained earnings to average equity (ytd only) | 0.0423% | 5,534 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.1815% | 422 |
| Assets per employee ($millions) | 3.8046% | 4,316 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2245% | 6,632 |
| Loan loss allowance to noncurrent loans | 271.2121% | 1,617 |
| Noncurrent assets plus other real estate owned to assets | 0.0403% | 6,170 |
| Noncurrent loans to loans | 0.0828% | 5,891 |
| Net loans and leases to total assets | 48.6179% | 5,045 |
| Net loans and leases to deposits | 55.1938% | 5,181 |
| Net loans and leases to core deposits | 55.3012% | 5,413 |
| Total domestic deposits to total assets | 88.0859% | 2,183 |
| Equity capital to assets | 11.5541% | 2,203 |
| Core capital (leverage) ratio | 11.5541% | 1,932 |
| Tier 1 risk-based capital ratio | 28.6116% | 604 |
| Total risk-based capital ratio | 28.8826% | 654 |
| Memoranda: | ||
| Average total assets | $162,260,500 | 3,529 |
| Average earning assets | $149,652,500 | 3,514 |
| Average equity | $18,901,000 | 3,291 |
| Average total loans | $80,013,000 | 3,930 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8523% | 6,466 |
| Cost of funding earning assets | 0.2010% | 6,290 |
| Net interest margin | 2.6513% | 6,200 |
| Noninterest income to average assets | 0.4016% | 4,431 |
| Noninterest expense to average assets | 2.7229% | 4,018 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.1245% | 5,989 |
| Return on assets (ROA) | 0.1245% | 6,051 |
| Pretax return on assets | 0.1208% | 6,064 |
| Return on Equity (ROE) | 1.0790% | 6,066 |
| Retained earnings to average equity (ytd only) | 1.0790% | 5,350 |
| Net charge-offs to loans | 0.1802% | 3,022 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 1.3493% | 4,611 |
| Efficiency ratio | 95.7525% | 655 |
| Assets per employee ($millions) | 3.7424% | 4,382 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2229% | 6,704 |
| Loan loss allowance to noncurrent loans | 271.2121% | 1,622 |
| Noncurrent assets plus other real estate owned to assets | 0.0410% | 6,249 |
| Noncurrent loans to loans | 0.0822% | 5,968 |
| Net loans and leases to total assets | 49.7940% | 5,103 |
| Net loans and leases to deposits | 56.6457% | 5,243 |
| Net loans and leases to core deposits | 56.6457% | 5,486 |
| Total domestic deposits to total assets | 87.9043% | 2,232 |
| Equity capital to assets | 11.7446% | 1,992 |
| Core capital (leverage) ratio | 11.7446% | 1,795 |
| Tier 1 risk-based capital ratio | 28.7987% | 567 |
| Total risk-based capital ratio | 29.0714% | 604 |
| Memoranda: | ||
| Average total assets | $163,098,600 | 3,513 |
| Average earning assets | $150,229,000 | 3,498 |
| Average equity | $18,813,000 | 3,300 |
| Average total loans | $81,037,400 | 3,904 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8653% | 6,519 |
| Cost of funding earning assets | 0.2133% | 6,334 |
| Net interest margin | 2.6521% | 6,246 |
| Noninterest income to average assets | 0.3927% | 4,588 |
| Noninterest expense to average assets | 2.6781% | 4,102 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.1483% | 6,040 |
| Return on assets (ROA) | 0.1483% | 6,111 |
| Pretax return on assets | 0.1564% | 6,121 |
| Return on Equity (ROE) | 1.2913% | 6,124 |
| Retained earnings to average equity (ytd only) | 1.2913% | 5,469 |
| Net charge-offs to loans | 0.2397% | 2,373 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 1.3151% | 4,400 |
| Efficiency ratio | 94.4812% | 708 |
| Assets per employee ($millions) | 3.7378% | 4,376 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2207% | 6,785 |
| Loan loss allowance to noncurrent loans | 201.1236% | 1,972 |
| Noncurrent assets plus other real estate owned to assets | 0.1226% | 6,058 |
| Noncurrent loans to loans | 0.1097% | 6,006 |
| Net loans and leases to total assets | 50.3534% | 5,101 |
| Net loans and leases to deposits | 57.3419% | 5,248 |
| Net loans and leases to core deposits | 57.3419% | 5,506 |
| Total domestic deposits to total assets | 87.8126% | 2,238 |
| Equity capital to assets | 11.7462% | 2,091 |
| Core capital (leverage) ratio | 11.7462% | 1,856 |
| Tier 1 risk-based capital ratio | 28.6293% | 585 |
| Total risk-based capital ratio | 28.9007% | 640 |
| Memoranda: | ||
| Average total assets | $163,642,000 | 3,537 |
| Average earning assets | $150,670,250 | 3,519 |
| Average equity | $18,791,250 | 3,337 |
| Average total loans | $81,219,250 | 3,931 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8687% | 6,557 |
| Cost of funding earning assets | 0.2296% | 6,311 |
| Net interest margin | 2.6391% | 6,286 |
| Noninterest income to average assets | 0.3669% | 4,774 |
| Noninterest expense to average assets | 2.6195% | 4,317 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.1592% | 6,006 |
| Return on assets (ROA) | 0.1592% | 6,114 |
| Pretax return on assets | 0.1774% | 6,110 |
| Return on Equity (ROE) | 1.3964% | 6,122 |
| Retained earnings to average equity (ytd only) | 1.3964% | 5,324 |
| Net charge-offs to loans | 0.3052% | 1,965 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 1.1774% | 4,144 |
| Efficiency ratio | 93.6577% | 777 |
| Assets per employee ($millions) | 3.8030% | 4,198 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2481% | 6,820 |
| Loan loss allowance to noncurrent loans | 242.1687% | 1,677 |
| Noncurrent assets plus other real estate owned to assets | 0.1168% | 6,133 |
| Noncurrent loans to loans | 0.1024% | 6,091 |
| Net loans and leases to total assets | 49.4243% | 5,172 |
| Net loans and leases to deposits | 56.1057% | 5,329 |
| Net loans and leases to core deposits | 56.5648% | 5,560 |
| Total domestic deposits to total assets | 88.0913% | 2,181 |
| Equity capital to assets | 11.5137% | 2,280 |
| Core capital (leverage) ratio | 11.5137% | 1,925 |
| Tier 1 risk-based capital ratio | 28.3588% | 613 |
| Total risk-based capital ratio | 28.6616% | 650 |
| Memoranda: | ||
| Average total assets | $164,614,670 | 3,547 |
| Average earning assets | $151,567,330 | 3,524 |
| Average equity | $18,762,000 | 3,361 |
| Average total loans | $81,256,000 | 3,946 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9231% | 6,588 |
| Cost of funding earning assets | 0.2449% | 6,322 |
| Net interest margin | 2.6782% | 6,255 |
| Noninterest income to average assets | 0.3003% | 5,294 |
| Noninterest expense to average assets | 2.5939% | 4,423 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.1526% | 6,034 |
| Return on assets (ROA) | 0.1526% | 6,131 |
| Pretax return on assets | 0.1695% | 6,135 |
| Return on Equity (ROE) | 1.3455% | 6,137 |
| Retained earnings to average equity (ytd only) | 1.3455% | 5,313 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.8650% | 845 |
| Assets per employee ($millions) | 3.8208% | 4,315 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4035% | 6,850 |
| Loan loss allowance to noncurrent loans | 187.8613% | 1,990 |
| Noncurrent assets plus other real estate owned to assets | 0.1710% | 6,060 |
| Noncurrent loans to loans | 0.2148% | 5,874 |
| Net loans and leases to total assets | 48.8274% | 5,136 |
| Net loans and leases to deposits | 55.3535% | 5,315 |
| Net loans and leases to core deposits | 55.8253% | 5,533 |
| Total domestic deposits to total assets | 88.2102% | 2,188 |
| Equity capital to assets | 11.4191% | 2,494 |
| Core capital (leverage) ratio | 11.4191% | 1,930 |
| Tier 1 risk-based capital ratio | 28.2856% | 626 |
| Total risk-based capital ratio | 28.7756% | 658 |
| Memoranda: | ||
| Average total assets | $165,158,500 | 3,579 |
| Average earning assets | $151,894,500 | 3,561 |
| Average equity | $18,729,000 | 3,419 |
| Average total loans | $81,372,500 | 3,977 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1170% | 6,715 |
| Cost of funding earning assets | 0.3426% | 6,258 |
| Net interest margin | 2.7743% | 6,414 |
| Noninterest income to average assets | 0.3917% | 4,673 |
| Noninterest expense to average assets | 2.8444% | 3,862 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.1075% | 6,001 |
| Return on assets (ROA) | 0.1075% | 6,139 |
| Pretax return on assets | 0.0953% | 6,169 |
| Return on Equity (ROE) | 0.9465% | 6,144 |
| Retained earnings to average equity (ytd only) | 0.9465% | 5,398 |
| Net charge-offs to loans | 0.0333% | 5,450 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 5.5714% | 3,003 |
| Efficiency ratio | 96.7574% | 676 |
| Assets per employee ($millions) | 3.8610% | 4,248 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3954% | 6,900 |
| Loan loss allowance to noncurrent loans | 131.0484% | 2,651 |
| Noncurrent assets plus other real estate owned to assets | 0.3457% | 5,645 |
| Noncurrent loans to loans | 0.3017% | 5,723 |
| Net loans and leases to total assets | 49.3152% | 5,263 |
| Net loans and leases to deposits | 55.8844% | 5,455 |
| Net loans and leases to core deposits | 56.4520% | 5,679 |
| Total domestic deposits to total assets | 88.2449% | 2,068 |
| Equity capital to assets | 11.2618% | 2,673 |
| Core capital (leverage) ratio | 11.2618% | 2,048 |
| Tier 1 risk-based capital ratio | 27.7894% | 639 |
| Total risk-based capital ratio | 28.2725% | 680 |
| Memoranda: | ||
| Average total assets | $163,652,200 | 3,554 |
| Average earning assets | $150,306,400 | 3,545 |
| Average equity | $18,594,200 | 3,384 |
| Average total loans | $84,105,000 | 3,906 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1557% | 6,819 |
| Cost of funding earning assets | 0.3637% | 6,312 |
| Net interest margin | 2.7921% | 6,513 |
| Noninterest income to average assets | 0.3802% | 4,780 |
| Noninterest expense to average assets | 2.8504% | 3,795 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.1088% | 6,112 |
| Return on assets (ROA) | 0.1088% | 6,253 |
| Pretax return on assets | 0.0973% | 6,276 |
| Return on Equity (ROE) | 0.9550% | 6,257 |
| Retained earnings to average equity (ytd only) | 0.9550% | 5,787 |
| Net charge-offs to loans | 0.0441% | 5,036 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 4.2502% | 3,362 |
| Efficiency ratio | 96.6990% | 651 |
| Assets per employee ($millions) | 3.5460% | 4,855 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3905% | 7,013 |
| Loan loss allowance to noncurrent loans | 145.7399% | 2,342 |
| Noncurrent assets plus other real estate owned to assets | 0.3366% | 5,853 |
| Noncurrent loans to loans | 0.2679% | 5,950 |
| Net loans and leases to total assets | 50.8285% | 5,209 |
| Net loans and leases to deposits | 57.7191% | 5,456 |
| Net loans and leases to core deposits | 58.1115% | 5,728 |
| Total domestic deposits to total assets | 88.0619% | 2,009 |
| Equity capital to assets | 11.4360% | 2,815 |
| Core capital (leverage) ratio | 11.4360% | 2,032 |
| Tier 1 risk-based capital ratio | 27.7970% | 675 |
| Total risk-based capital ratio | 28.2813% | 723 |
| Memoranda: | ||
| Average total assets | $163,059,750 | 3,603 |
| Average earning assets | $149,945,250 | 3,584 |
| Average equity | $18,568,500 | 3,423 |
| Average total loans | $84,581,500 | 3,937 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1846% | 6,881 |
| Cost of funding earning assets | 0.3886% | 6,338 |
| Net interest margin | 2.7960% | 6,584 |
| Noninterest income to average assets | 0.3496% | 5,043 |
| Noninterest expense to average assets | 2.9060% | 3,592 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.0503% | 6,255 |
| Return on assets (ROA) | 0.0503% | 6,395 |
| Pretax return on assets | 0.0123% | 6,429 |
| Return on Equity (ROE) | 0.4423% | 6,400 |
| Retained earnings to average equity (ytd only) | 0.4423% | 5,891 |
| Net charge-offs to loans | 0.0047% | 5,438 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 5.0000% | 2,934 |
| Efficiency ratio | 99.5797% | 578 |
| Assets per employee ($millions) | 3.5619% | 4,838 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4204% | 7,071 |
| Loan loss allowance to noncurrent loans | 76.4706% | 3,936 |
| Noncurrent assets plus other real estate owned to assets | 0.4242% | 5,721 |
| Noncurrent loans to loans | 0.5498% | 5,419 |
| Net loans and leases to total assets | 50.7428% | 5,257 |
| Net loans and leases to deposits | 57.5139% | 5,504 |
| Net loans and leases to core deposits | 57.9017% | 5,784 |
| Total domestic deposits to total assets | 88.2269% | 2,006 |
| Equity capital to assets | 11.3288% | 2,752 |
| Core capital (leverage) ratio | 11.3288% | 2,023 |
| Tier 1 risk-based capital ratio | 27.5135% | 685 |
| Total risk-based capital ratio | 28.0338% | 730 |
| Memoranda: | ||
| Average total assets | $163,040,670 | 3,613 |
| Average earning assets | $149,785,000 | 3,608 |
| Average equity | $18,540,000 | 3,422 |
| Average total loans | $85,030,330 | 3,943 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2362% | 6,926 |
| Cost of funding earning assets | 0.4263% | 6,277 |
| Net interest margin | 2.8099% | 6,626 |
| Noninterest income to average assets | 0.3935% | 4,719 |
| Noninterest expense to average assets | 2.9760% | 3,352 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.0394% | 6,353 |
| Return on assets (ROA) | 0.0394% | 6,470 |
| Pretax return on assets | -0.0049% | 6,535 |
| Return on Equity (ROE) | 0.3454% | 6,470 |
| Retained earnings to average equity (ytd only) | 0.3454% | 5,879 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.1656% | 549 |
| Assets per employee ($millions) | 3.5416% | 5,023 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4156% | 7,126 |
| Loan loss allowance to noncurrent loans | 68.1467% | 4,117 |
| Noncurrent assets plus other real estate owned to assets | 0.6243% | 5,333 |
| Noncurrent loans to loans | 0.6099% | 5,441 |
| Net loans and leases to total assets | 51.9176% | 5,038 |
| Net loans and leases to deposits | 58.8676% | 5,287 |
| Net loans and leases to core deposits | 59.1997% | 5,611 |
| Total domestic deposits to total assets | 88.1938% | 2,190 |
| Equity capital to assets | 11.3784% | 2,546 |
| Core capital (leverage) ratio | 11.3784% | 1,982 |
| Tier 1 risk-based capital ratio | 27.2727% | 706 |
| Total risk-based capital ratio | 27.7921% | 747 |
| Memoranda: | ||
| Average total assets | $162,637,000 | 3,643 |
| Average earning assets | $149,188,000 | 3,636 |
| Average equity | $18,529,000 | 3,419 |
| Average total loans | $85,799,500 | 3,944 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6053% | 6,931 |
| Cost of funding earning assets | 0.5386% | 6,390 |
| Net interest margin | 3.0667% | 6,412 |
| Noninterest income to average assets | 0.3448% | 5,051 |
| Noninterest expense to average assets | 3.0422% | 3,426 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.1222% | 5,812 |
| Return on assets (ROA) | 0.1222% | 5,933 |
| Pretax return on assets | 0.1152% | 5,941 |
| Return on Equity (ROE) | 1.0353% | 5,956 |
| Retained earnings to average equity (ytd only) | 1.0353% | 5,377 |
| Net charge-offs to loans | 0.0011% | 6,436 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 180.0000% | 191 |
| Efficiency ratio | 96.3526% | 802 |
| Assets per employee ($millions) | 3.5296% | 4,944 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4073% | 7,163 |
| Loan loss allowance to noncurrent loans | 60.0340% | 4,505 |
| Noncurrent assets plus other real estate owned to assets | 0.5697% | 5,552 |
| Noncurrent loans to loans | 0.6785% | 5,344 |
| Net loans and leases to total assets | 53.1609% | 5,147 |
| Net loans and leases to deposits | 60.2931% | 5,452 |
| Net loans and leases to core deposits | 60.7010% | 5,783 |
| Total domestic deposits to total assets | 88.1707% | 2,042 |
| Equity capital to assets | 11.4074% | 2,589 |
| Core capital (leverage) ratio | 11.4074% | 1,962 |
| Tier 1 risk-based capital ratio | 27.2680% | 692 |
| Total risk-based capital ratio | 27.7878% | 723 |
| Memoranda: | ||
| Average total assets | $156,302,200 | 3,696 |
| Average earning assets | $143,344,000 | 3,689 |
| Average equity | $18,449,200 | 3,370 |
| Average total loans | $88,297,600 | 3,903 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6489% | 6,979 |
| Cost of funding earning assets | 0.5584% | 6,485 |
| Net interest margin | 3.0905% | 6,404 |
| Noninterest income to average assets | 0.3377% | 5,152 |
| Noninterest expense to average assets | 3.0320% | 3,431 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.1413% | 5,858 |
| Return on assets (ROA) | 0.1413% | 5,984 |
| Pretax return on assets | 0.1421% | 6,019 |
| Return on Equity (ROE) | 1.1864% | 6,029 |
| Retained earnings to average equity (ytd only) | 1.1864% | 5,536 |
| Net charge-offs to loans | 0.0015% | 6,179 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 165.4060% | 236 |
| Efficiency ratio | 95.5224% | 846 |
| Assets per employee ($millions) | 3.3935% | 5,263 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4042% | 7,226 |
| Loan loss allowance to noncurrent loans | 52.2963% | 4,873 |
| Noncurrent assets plus other real estate owned to assets | 0.4670% | 5,915 |
| Noncurrent loans to loans | 0.7728% | 5,326 |
| Net loans and leases to total assets | 55.7248% | 4,883 |
| Net loans and leases to deposits | 63.5949% | 5,225 |
| Net loans and leases to core deposits | 64.0434% | 5,607 |
| Total domestic deposits to total assets | 87.6247% | 2,278 |
| Equity capital to assets | 11.8475% | 2,379 |
| Core capital (leverage) ratio | 11.8475% | 1,797 |
| Tier 1 risk-based capital ratio | 27.6583% | 688 |
| Total risk-based capital ratio | 28.1862% | 731 |
| Memoranda: | ||
| Average total assets | $154,787,750 | 3,746 |
| Average earning assets | $142,065,750 | 3,731 |
| Average equity | $18,431,250 | 3,367 |
| Average total loans | $88,705,750 | 3,935 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7107% | 7,006 |
| Cost of funding earning assets | 0.5721% | 6,577 |
| Net interest margin | 3.1387% | 6,307 |
| Noninterest income to average assets | 0.3615% | 4,987 |
| Noninterest expense to average assets | 2.9699% | 3,758 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.2216% | 5,658 |
| Return on assets (ROA) | 0.2216% | 5,778 |
| Pretax return on assets | 0.2708% | 5,743 |
| Return on Equity (ROE) | 1.8577% | 5,842 |
| Retained earnings to average equity (ytd only) | 1.8577% | 5,055 |
| Net charge-offs to loans | 0.0022% | 5,853 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 209.0000% | 169 |
| Efficiency ratio | 91.6433% | 1,115 |
| Assets per employee ($millions) | 3.3551% | 5,313 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3039% | 7,345 |
| Loan loss allowance to noncurrent loans | 45.6559% | 5,278 |
| Noncurrent assets plus other real estate owned to assets | 0.5657% | 5,793 |
| Noncurrent loans to loans | 0.6655% | 5,580 |
| Net loans and leases to total assets | 56.9755% | 4,824 |
| Net loans and leases to deposits | 65.0808% | 5,137 |
| Net loans and leases to core deposits | 65.5436% | 5,561 |
| Total domestic deposits to total assets | 87.5458% | 2,443 |
| Equity capital to assets | 11.9877% | 2,098 |
| Core capital (leverage) ratio | 11.9877% | 1,602 |
| Tier 1 risk-based capital ratio | 27.6081% | 689 |
| Total risk-based capital ratio | 28.0080% | 727 |
| Memoranda: | ||
| Average total assets | $154,350,000 | 3,774 |
| Average earning assets | $141,589,330 | 3,763 |
| Average equity | $18,410,330 | 3,349 |
| Average total loans | $89,161,000 | 3,962 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7161% | 7,055 |
| Cost of funding earning assets | 0.5821% | 6,683 |
| Net interest margin | 3.1340% | 6,259 |
| Noninterest income to average assets | 0.3447% | 5,158 |
| Noninterest expense to average assets | 3.0086% | 3,608 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.1814% | 5,844 |
| Return on assets (ROA) | 0.1814% | 5,901 |
| Pretax return on assets | 0.2099% | 5,915 |
| Return on Equity (ROE) | 1.5246% | 5,974 |
| Retained earnings to average equity (ytd only) | 1.5246% | 5,200 |
| Net charge-offs to loans | 0.0045% | 5,065 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 81.0000% | 374 |
| Efficiency ratio | 93.4783% | 1,066 |
| Assets per employee ($millions) | 3.4430% | 5,140 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3024% | 7,403 |
| Loan loss allowance to noncurrent loans | 75.9207% | 3,682 |
| Noncurrent assets plus other real estate owned to assets | 0.5874% | 5,797 |
| Noncurrent loans to loans | 0.3983% | 6,201 |
| Net loans and leases to total assets | 57.0350% | 4,794 |
| Net loans and leases to deposits | 65.0271% | 5,125 |
| Net loans and leases to core deposits | 65.4844% | 5,565 |
| Total domestic deposits to total assets | 87.7095% | 2,551 |
| Equity capital to assets | 11.8761% | 1,995 |
| Core capital (leverage) ratio | 11.8761% | 1,633 |
| Tier 1 risk-based capital ratio | 27.2467% | 687 |
| Total risk-based capital ratio | 27.6436% | 737 |
| Memoranda: | ||
| Average total assets | $154,358,500 | 3,804 |
| Average earning assets | $141,546,000 | 3,793 |
| Average equity | $18,365,000 | 3,347 |
| Average total loans | $89,641,500 | 3,986 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1933% | 6,933 |
| Cost of funding earning assets | 0.8026% | 6,556 |
| Net interest margin | 3.3907% | 5,670 |
| Noninterest income to average assets | 0.3313% | 5,426 |
| Noninterest expense to average assets | 3.1096% | 3,413 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.2590% | 5,086 |
| Return on assets (ROA) | 0.2590% | 5,236 |
| Pretax return on assets | 0.3266% | 5,158 |
| Return on Equity (ROE) | 1.5734% | 5,534 |
| Retained earnings to average equity (ytd only) | 1.5734% | 4,741 |
| Net charge-offs to loans | 0.1147% | 5,729 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | 4.5185% | 2,892 |
| Efficiency ratio | 90.4947% | 1,285 |
| Assets per employee ($millions) | 3.4174% | 5,134 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2967% | 7,487 |
| Loan loss allowance to noncurrent loans | 42.0313% | 5,507 |
| Noncurrent assets plus other real estate owned to assets | 0.6340% | 5,727 |
| Noncurrent loans to loans | 0.7060% | 5,635 |
| Net loans and leases to total assets | 58.7707% | 4,904 |
| Net loans and leases to deposits | 67.0485% | 5,248 |
| Net loans and leases to core deposits | 67.5218% | 5,710 |
| Total domestic deposits to total assets | 87.6541% | 2,448 |
| Equity capital to assets | 11.9193% | 1,958 |
| Core capital (leverage) ratio | 11.9193% | 1,604 |
| Tier 1 risk-based capital ratio | 27.0526% | 670 |
| Total risk-based capital ratio | 27.4496% | 721 |
| Memoranda: | ||
| Average total assets | $149,407,800 | 3,886 |
| Average earning assets | $136,813,400 | 3,880 |
| Average equity | $24,595,800 | 2,595 |
| Average total loans | $94,144,400 | 3,950 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2800% | 6,988 |
| Cost of funding earning assets | 0.8440% | 6,606 |
| Net interest margin | 3.4360% | 5,549 |
| Noninterest income to average assets | 0.3227% | 5,576 |
| Noninterest expense to average assets | 3.1140% | 3,275 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.2769% | 5,248 |
| Return on assets (ROA) | 0.2769% | 5,411 |
| Pretax return on assets | 0.3524% | 5,360 |
| Return on Equity (ROE) | 1.5697% | 5,746 |
| Retained earnings to average equity (ytd only) | 1.5697% | 5,167 |
| Net charge-offs to loans | 0.1473% | 5,126 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 3.7332% | 3,317 |
| Efficiency ratio | 89.8340% | 1,308 |
| Assets per employee ($millions) | 3.2970% | 5,470 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2924% | 7,595 |
| Loan loss allowance to noncurrent loans | 54.0755% | 4,698 |
| Noncurrent assets plus other real estate owned to assets | 0.5958% | 5,950 |
| Noncurrent loans to loans | 0.5408% | 6,124 |
| Net loans and leases to total assets | 62.5094% | 4,427 |
| Net loans and leases to deposits | 71.7140% | 4,879 |
| Net loans and leases to core deposits | 72.2391% | 5,483 |
| Total domestic deposits to total assets | 87.1648% | 2,436 |
| Equity capital to assets | 12.3014% | 1,972 |
| Core capital (leverage) ratio | 12.3014% | 1,509 |
| Tier 1 risk-based capital ratio | 27.0481% | 690 |
| Total risk-based capital ratio | 27.4512% | 745 |
| Memoranda: | ||
| Average total assets | $148,313,750 | 3,950 |
| Average earning assets | $135,697,250 | 3,954 |
| Average equity | $26,162,250 | 2,484 |
| Average total loans | $95,018,250 | 3,997 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3097% | 7,036 |
| Cost of funding earning assets | 0.8870% | 6,635 |
| Net interest margin | 3.4227% | 5,548 |
| Noninterest income to average assets | 0.3844% | 5,044 |
| Noninterest expense to average assets | 3.0898% | 3,362 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.3304% | 5,060 |
| Return on assets (ROA) | 0.3304% | 5,222 |
| Pretax return on assets | 0.4275% | 5,130 |
| Return on Equity (ROE) | 1.7014% | 5,733 |
| Retained earnings to average equity (ytd only) | 1.7014% | 5,025 |
| Net charge-offs to loans | 0.1693% | 4,603 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 3.9136% | 3,123 |
| Efficiency ratio | 87.8451% | 1,520 |
| Assets per employee ($millions) | 3.3175% | 5,395 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2334% | 7,692 |
| Loan loss allowance to noncurrent loans | 41.7769% | 5,540 |
| Noncurrent assets plus other real estate owned to assets | 0.5741% | 6,044 |
| Noncurrent loans to loans | 0.5587% | 6,133 |
| Net loans and leases to total assets | 63.2764% | 4,402 |
| Net loans and leases to deposits | 72.4406% | 4,920 |
| Net loans and leases to core deposits | 72.9632% | 5,558 |
| Total domestic deposits to total assets | 87.3493% | 2,355 |
| Equity capital to assets | 12.1832% | 1,990 |
| Core capital (leverage) ratio | 12.1832% | 1,552 |
| Tier 1 risk-based capital ratio | 26.6851% | 722 |
| Total risk-based capital ratio | 27.0093% | 776 |
| Memoranda: | ||
| Average total assets | $148,296,670 | 3,989 |
| Average earning assets | $135,739,000 | 3,984 |
| Average equity | $28,799,330 | 2,276 |
| Average total loans | $95,686,330 | 4,024 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3570% | 7,058 |
| Cost of funding earning assets | 0.9098% | 6,731 |
| Net interest margin | 3.4472% | 5,385 |
| Noninterest income to average assets | 0.3762% | 5,131 |
| Noninterest expense to average assets | 3.0988% | 3,267 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.3356% | 5,138 |
| Return on assets (ROA) | 0.3356% | 5,261 |
| Pretax return on assets | 0.4357% | 5,176 |
| Return on Equity (ROE) | 1.4543% | 5,981 |
| Retained earnings to average equity (ytd only) | 1.4543% | 5,222 |
| Net charge-offs to loans | 0.3119% | 3,169 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 2.1467% | 3,462 |
| Efficiency ratio | 87.6723% | 1,624 |
| Assets per employee ($millions) | 3.3047% | 5,532 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2380% | 7,795 |
| Loan loss allowance to noncurrent loans | 48.4009% | 5,115 |
| Noncurrent assets plus other real estate owned to assets | 0.5292% | 6,180 |
| Noncurrent loans to loans | 0.4917% | 6,313 |
| Net loans and leases to total assets | 63.9890% | 4,332 |
| Net loans and leases to deposits | 83.5455% | 3,017 |
| Net loans and leases to core deposits | 84.2310% | 4,170 |
| Total domestic deposits to total assets | 76.5918% | 6,643 |
| Equity capital to assets | 22.9751% | 182 |
| Core capital (leverage) ratio | 22.9751% | 166 |
| Tier 1 risk-based capital ratio | 50.0806% | 155 |
| Total risk-based capital ratio | 50.4133% | 159 |
| Memoranda: | ||
| Average total assets | $147,801,000 | 4,043 |
| Average earning assets | $135,414,000 | 4,048 |
| Average equity | $34,105,000 | 1,981 |
| Average total loans | $96,187,000 | 4,069 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8193% | 6,909 |
| Cost of funding earning assets | 1.0389% | 7,126 |
| Net interest margin | 3.7804% | 3,793 |
| Noninterest income to average assets | 0.4628% | 4,695 |
| Noninterest expense to average assets | 3.2849% | 3,061 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.4663% | 3,871 |
| Return on assets (ROA) | 0.4663% | 3,988 |
| Pretax return on assets | 0.6336% | 3,800 |
| Return on Equity (ROE) | 1.9499% | 4,930 |
| Retained earnings to average equity (ytd only) | 1.9499% | 3,733 |
| Net charge-offs to loans | 0.0061% | 7,154 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | 149.0000% | 197 |
| Efficiency ratio | 83.8307% | 2,370 |
| Assets per employee ($millions) | 3.2642% | 5,576 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3114% | 7,823 |
| Loan loss allowance to noncurrent loans | 53.0756% | 4,808 |
| Noncurrent assets plus other real estate owned to assets | 0.5113% | 6,175 |
| Noncurrent loans to loans | 0.5867% | 6,066 |
| Net loans and leases to total assets | 65.8218% | 4,199 |
| Net loans and leases to deposits | 86.2512% | 2,870 |
| Net loans and leases to core deposits | 92.9395% | 4,789 |
| Total domestic deposits to total assets | 76.3141% | 6,617 |
| Equity capital to assets | 23.1760% | 202 |
| Core capital (leverage) ratio | 23.1760% | 189 |
| Tier 1 risk-based capital ratio | 49.7377% | 166 |
| Total risk-based capital ratio | 50.1790% | 168 |
| Memoranda: | ||
| Average total assets | $141,101,800 | 4,099 |
| Average earning assets | $128,981,800 | 4,108 |
| Average equity | $33,745,600 | 1,985 |
| Average total loans | $97,594,000 | 4,019 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9151% | 6,847 |
| Cost of funding earning assets | 1.0629% | 7,257 |
| Net interest margin | 3.8522% | 3,422 |
| Noninterest income to average assets | 0.4716% | 4,740 |
| Noninterest expense to average assets | 3.3004% | 2,921 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.5041% | 3,969 |
| Return on assets (ROA) | 0.5041% | 4,056 |
| Pretax return on assets | 0.6903% | 3,893 |
| Return on Equity (ROE) | 2.0907% | 5,136 |
| Retained earnings to average equity (ytd only) | 2.0907% | 4,159 |
| Net charge-offs to loans | 0.0082% | 6,847 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 120.4975% | 310 |
| Efficiency ratio | 82.7033% | 2,477 |
| Assets per employee ($millions) | 3.1794% | 5,699 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3061% | 7,906 |
| Loan loss allowance to noncurrent loans | 48.9465% | 5,047 |
| Noncurrent assets plus other real estate owned to assets | 0.4851% | 6,253 |
| Noncurrent loans to loans | 0.6255% | 6,049 |
| Net loans and leases to total assets | 68.7369% | 3,788 |
| Net loans and leases to deposits | 90.7375% | 2,441 |
| Net loans and leases to core deposits | 97.8090% | 4,629 |
| Total domestic deposits to total assets | 75.7536% | 6,630 |
| Equity capital to assets | 23.7033% | 200 |
| Core capital (leverage) ratio | 23.7033% | 194 |
| Tier 1 risk-based capital ratio | 49.7623% | 170 |
| Total risk-based capital ratio | 50.2054% | 175 |
| Memoranda: | ||
| Average total assets | $139,655,000 | 4,146 |
| Average earning assets | $127,576,500 | 4,163 |
| Average equity | $33,671,250 | 2,015 |
| Average total loans | $97,745,750 | 4,045 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0121% | 6,731 |
| Cost of funding earning assets | 1.0777% | 7,419 |
| Net interest margin | 3.9343% | 2,959 |
| Noninterest income to average assets | 0.4909% | 4,523 |
| Noninterest expense to average assets | 3.2762% | 3,063 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.5833% | 3,754 |
| Return on assets (ROA) | 0.5833% | 3,860 |
| Pretax return on assets | 0.8042% | 3,654 |
| Return on Equity (ROE) | 2.4054% | 5,138 |
| Retained earnings to average equity (ytd only) | 2.4054% | 3,991 |
| Net charge-offs to loans | 0.0123% | 6,383 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 92.8333% | 413 |
| Efficiency ratio | 80.2902% | 2,994 |
| Assets per employee ($millions) | 3.1718% | 5,653 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3067% | 7,985 |
| Loan loss allowance to noncurrent loans | 99.3421% | 2,916 |
| Noncurrent assets plus other real estate owned to assets | 0.2130% | 6,977 |
| Noncurrent loans to loans | 0.3087% | 6,737 |
| Net loans and leases to total assets | 68.7741% | 4,002 |
| Net loans and leases to deposits | 90.7102% | 2,715 |
| Net loans and leases to core deposits | 96.2854% | 4,872 |
| Total domestic deposits to total assets | 75.8174% | 6,592 |
| Equity capital to assets | 23.6732% | 236 |
| Core capital (leverage) ratio | 23.6732% | 236 |
| Tier 1 risk-based capital ratio | 49.8142% | 187 |
| Total risk-based capital ratio | 50.2595% | 189 |
| Memoranda: | ||
| Average total assets | $138,515,670 | 4,203 |
| Average earning assets | $126,374,670 | 4,220 |
| Average equity | $33,590,670 | 2,024 |
| Average total loans | $97,445,670 | 4,083 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1517% | 6,484 |
| Cost of funding earning assets | 1.1094% | 7,503 |
| Net interest margin | 4.0422% | 2,483 |
| Noninterest income to average assets | 0.4721% | 4,576 |
| Noninterest expense to average assets | 3.3019% | 2,650 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.6187% | 3,945 |
| Return on assets (ROA) | 0.6187% | 4,130 |
| Pretax return on assets | 0.8563% | 3,866 |
| Return on Equity (ROE) | 2.5200% | 5,565 |
| Retained earnings to average equity (ytd only) | 2.5200% | 4,477 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.4076% | 2,925 |
| Assets per employee ($millions) | 3.0695% | 5,973 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3177% | 8,020 |
| Loan loss allowance to noncurrent loans | 789.7436% | 481 |
| Noncurrent assets plus other real estate owned to assets | 0.0282% | 7,534 |
| Noncurrent loans to loans | 0.0402% | 7,431 |
| Net loans and leases to total assets | 69.9660% | 3,679 |
| Net loans and leases to deposits | 93.0789% | 2,422 |
| Net loans and leases to core deposits | 98.2404% | 4,718 |
| Total domestic deposits to total assets | 75.1685% | 6,674 |
| Equity capital to assets | 24.3233% | 239 |
| Core capital (leverage) ratio | 24.3233% | 247 |
| Tier 1 risk-based capital ratio | 50.7784% | 195 |
| Total risk-based capital ratio | 51.2439% | 201 |
| Memoranda: | ||
| Average total assets | $136,408,000 | 4,273 |
| Average earning assets | $124,387,000 | 4,280 |
| Average equity | $33,491,500 | 2,025 |
| Average total loans | $96,936,500 | 4,117 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3845% | 7,483 |
| Cost of funding earning assets | 1.4481% | 7,686 |
| Net interest margin | 3.9363% | 3,417 |
| Noninterest income to average assets | 0.4540% | 5,009 |
| Noninterest expense to average assets | 3.2663% | 3,086 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.5607% | 4,479 |
| Return on assets (ROA) | 0.5607% | 4,334 |
| Pretax return on assets | 0.7719% | 4,170 |
| Return on Equity (ROE) | 2.3056% | 5,499 |
| Retained earnings to average equity (ytd only) | 2.3056% | 3,772 |
| Net charge-offs to loans | 0.0420% | 6,189 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 25.5854% | 1,324 |
| Efficiency ratio | 80.8856% | 2,470 |
| Assets per employee ($millions) | 2.9931% | 6,065 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3178% | 8,072 |
| Loan loss allowance to noncurrent loans | 136.8889% | 2,669 |
| Noncurrent assets plus other real estate owned to assets | 0.1671% | 6,903 |
| Noncurrent loans to loans | 0.2321% | 6,688 |
| Net loans and leases to total assets | 71.7319% | 3,643 |
| Net loans and leases to deposits | 96.0111% | 2,449 |
| Net loans and leases to core deposits | 101.2174% | 4,698 |
| Total domestic deposits to total assets | 74.7121% | 6,516 |
| Equity capital to assets | 24.7875% | 271 |
| Core capital (leverage) ratio | 24.7875% | 269 |
| Tier 1 risk-based capital ratio | 51.0084% | 209 |
| Total risk-based capital ratio | 51.4789% | 213 |
| Memoranda: | ||
| Average total assets | $135,902,400 | 4,165 |
| Average earning assets | $123,745,000 | 4,181 |
| Average equity | $33,050,400 | 2,047 |
| Average total loans | $97,538,200 | 4,014 |