Home > Jarrettsville Federal Savings and Loan Association > Performance and Condition Ratios
Jarrettsville 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 | 4.2671% | 3,492 |
| Cost of funding earning assets | 1.4749% | 2,008 |
| Net interest margin | 2.7923% | 3,680 |
| Noninterest income to average assets | 0.1200% | 4,210 |
| Noninterest expense to average assets | 2.2160% | 3,080 |
| Loan and lease loss provision to assets | 0.0400% | 2,313 |
| Net operating income to assets | 0.3760% | 3,917 |
| Return on assets (ROA) | 0.3798% | 3,906 |
| Pretax return on assets | 0.5122% | 3,786 |
| Return on Equity (ROE) | 3.2200% | 3,988 |
| Retained earnings to average equity (ytd only) | 3.2184% | 3,211 |
| Net charge-offs to loans | -0.0137% | 4,054 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 80.0687% | 913 |
| Assets per employee ($millions) | 10.6761% | 587 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0893% | 2,898 |
| Loan loss allowance to noncurrent loans | 511.7925% | 1,421 |
| Noncurrent assets plus other real estate owned to assets | 0.1418% | 2,573 |
| Noncurrent loans to loans | 0.2128% | 2,457 |
| Net loans and leases to total assets | 65.9100% | 2,266 |
| Net loans and leases to deposits | 75.0556% | 2,540 |
| Net loans and leases to core deposits | 84.6811% | 2,406 |
| Total domestic deposits to total assets | 87.8200% | 1,412 |
| Equity capital to assets | 11.9278% | 1,151 |
| Core capital (leverage) ratio | 13.2054% | 1,000 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $147,199,400 | 3,390 |
| Average earning assets | $139,671,800 | 3,349 |
| Average equity | $17,368,800 | 3,066 |
| Average total loans | $94,703,200 | 3,234 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1953% | 3,473 |
| Cost of funding earning assets | 1.3307% | 2,057 |
| Net interest margin | 2.8646% | 3,608 |
| Noninterest income to average assets | 0.1300% | 4,175 |
| Noninterest expense to average assets | 2.2023% | 3,064 |
| Loan and lease loss provision to assets | 0.0500% | 1,947 |
| Net operating income to assets | 0.4387% | 3,895 |
| Return on assets (ROA) | 0.4401% | 3,893 |
| Pretax return on assets | 0.5947% | 3,741 |
| Return on Equity (ROE) | 3.7400% | 4,015 |
| Retained earnings to average equity (ytd only) | 3.7401% | 3,330 |
| Net charge-offs to loans | -0.0185% | 4,113 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 77.4049% | 1,059 |
| Assets per employee ($millions) | 10.4950% | 575 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1133% | 2,798 |
| Loan loss allowance to noncurrent loans | 502.3364% | 1,456 |
| Noncurrent assets plus other real estate owned to assets | 0.1456% | 2,600 |
| Noncurrent loans to loans | 0.2216% | 2,467 |
| Net loans and leases to total assets | 64.9900% | 2,348 |
| Net loans and leases to deposits | 73.7863% | 2,588 |
| Net loans and leases to core deposits | 82.6344% | 2,428 |
| Total domestic deposits to total assets | 88.0800% | 1,537 |
| Equity capital to assets | 11.7029% | 1,125 |
| Core capital (leverage) ratio | 13.2638% | 1,005 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $146,632,750 | 3,403 |
| Average earning assets | $139,072,250 | 3,363 |
| Average equity | $17,254,000 | 3,060 |
| Average total loans | $93,478,250 | 3,250 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1072% | 3,476 |
| Cost of funding earning assets | 1.1515% | 2,127 |
| Net interest margin | 2.9557% | 3,552 |
| Noninterest income to average assets | 0.1300% | 4,181 |
| Noninterest expense to average assets | 2.2166% | 3,027 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | 0.5034% | 3,803 |
| Return on assets (ROA) | 0.5023% | 3,813 |
| Pretax return on assets | 0.6797% | 3,642 |
| Return on Equity (ROE) | 4.2600% | 3,992 |
| Retained earnings to average equity (ytd only) | 4.2608% | 3,140 |
| Net charge-offs to loans | -0.0281% | 4,224 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 75.6052% | 1,211 |
| Assets per employee ($millions) | 10.4796% | 578 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1089% | 2,919 |
| Loan loss allowance to noncurrent loans | 475.0000% | 1,613 |
| Noncurrent assets plus other real estate owned to assets | 0.1500% | 2,498 |
| Noncurrent loans to loans | 0.2335% | 2,330 |
| Net loans and leases to total assets | 63.5200% | 2,432 |
| Net loans and leases to deposits | 72.2388% | 2,634 |
| Net loans and leases to core deposits | 78.4555% | 2,579 |
| Total domestic deposits to total assets | 87.9300% | 1,631 |
| Equity capital to assets | 11.8638% | 1,086 |
| Core capital (leverage) ratio | 13.2762% | 945 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $146,533,667 | 3,412 |
| Average earning assets | $139,120,333 | 3,374 |
| Average equity | $17,273,667 | 3,079 |
| Average total loans | $92,449,667 | 3,264 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0008% | 3,452 |
| Cost of funding earning assets | 1.0390% | 1,918 |
| Net interest margin | 2.9617% | 3,673 |
| Noninterest income to average assets | 0.1200% | 4,272 |
| Noninterest expense to average assets | 2.1961% | 3,109 |
| Loan and lease loss provision to assets | 0.0700% | 1,437 |
| Net operating income to assets | 0.4950% | 3,912 |
| Return on assets (ROA) | 0.4971% | 3,873 |
| Pretax return on assets | 0.6692% | 3,718 |
| Return on Equity (ROE) | 4.2300% | 4,003 |
| Retained earnings to average equity (ytd only) | 4.2307% | 3,203 |
| Net charge-offs to loans | -0.0568% | 4,399 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 74.9301% | 1,250 |
| Assets per employee ($millions) | 10.4447% | 602 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1297% | 2,905 |
| Loan loss allowance to noncurrent loans | 468.6099% | 1,711 |
| Noncurrent assets plus other real estate owned to assets | 0.1525% | 2,447 |
| Noncurrent loans to loans | 0.2411% | 2,296 |
| Net loans and leases to total assets | 62.5400% | 2,408 |
| Net loans and leases to deposits | 71.2283% | 2,526 |
| Net loans and leases to core deposits | 76.3538% | 2,498 |
| Total domestic deposits to total assets | 87.8100% | 1,984 |
| Equity capital to assets | 11.8987% | 1,028 |
| Core capital (leverage) ratio | 13.0749% | 960 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $146,443,000 | 3,462 |
| Average earning assets | $138,973,500 | 3,420 |
| Average equity | $17,207,500 | 3,116 |
| Average total loans | $91,556,500 | 3,310 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1680% | 3,875 |
| Cost of funding earning assets | 0.6103% | 861 |
| Net interest margin | 2.5577% | 4,222 |
| Noninterest income to average assets | 0.1000% | 4,426 |
| Noninterest expense to average assets | 2.0123% | 3,550 |
| Loan and lease loss provision to assets | 0.0200% | 2,518 |
| Net operating income to assets | 0.3711% | 4,282 |
| Return on assets (ROA) | 0.3689% | 4,255 |
| Pretax return on assets | 0.5017% | 4,168 |
| Return on Equity (ROE) | 3.0800% | 4,284 |
| Retained earnings to average equity (ytd only) | 3.0826% | 3,694 |
| Net charge-offs to loans | -0.0592% | 4,388 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 79.4134% | 764 |
| Assets per employee ($millions) | 10.4757% | 581 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0639% | 3,065 |
| Loan loss allowance to noncurrent loans | 420.9607% | 1,792 |
| Noncurrent assets plus other real estate owned to assets | 0.1561% | 2,439 |
| Noncurrent loans to loans | 0.2527% | 2,256 |
| Net loans and leases to total assets | 61.1300% | 2,537 |
| Net loans and leases to deposits | 69.5881% | 2,617 |
| Net loans and leases to core deposits | 73.9855% | 2,562 |
| Total domestic deposits to total assets | 87.8400% | 2,125 |
| Equity capital to assets | 11.6023% | 1,050 |
| Core capital (leverage) ratio | 13.0944% | 917 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $145,305,400 | 3,489 |
| Average earning assets | $138,289,400 | 3,436 |
| Average equity | $17,388,000 | 3,176 |
| Average total loans | $84,444,800 | 3,349 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9687% | 3,941 |
| Cost of funding earning assets | 0.5671% | 528 |
| Net interest margin | 2.4016% | 4,324 |
| Noninterest income to average assets | 0.0800% | 4,530 |
| Noninterest expense to average assets | 1.9774% | 3,540 |
| Loan and lease loss provision to assets | 0.0200% | 2,326 |
| Net operating income to assets | 0.2728% | 4,415 |
| Return on assets (ROA) | 0.2713% | 4,375 |
| Pretax return on assets | 0.3670% | 4,306 |
| Return on Equity (ROE) | 2.2500% | 4,382 |
| Retained earnings to average equity (ytd only) | 2.2500% | 3,968 |
| Net charge-offs to loans | -0.0659% | 4,379 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 83.4627% | 578 |
| Assets per employee ($millions) | 10.3521% | 589 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0819% | 3,096 |
| Loan loss allowance to noncurrent loans | 215.0901% | 2,593 |
| Noncurrent assets plus other real estate owned to assets | 0.3064% | 1,720 |
| Noncurrent loans to loans | 0.5030% | 1,541 |
| Net loans and leases to total assets | 60.2400% | 2,478 |
| Net loans and leases to deposits | 68.2648% | 2,516 |
| Net loans and leases to core deposits | 71.2832% | 2,547 |
| Total domestic deposits to total assets | 88.2500% | 2,341 |
| Equity capital to assets | 11.5000% | 1,013 |
| Core capital (leverage) ratio | 12.8934% | 938 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $144,966,750 | 3,510 |
| Average earning assets | $138,015,750 | 3,461 |
| Average equity | $17,481,000 | 3,202 |
| Average total loans | $82,902,750 | 3,381 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7636% | 4,043 |
| Cost of funding earning assets | 0.5704% | 348 |
| Net interest margin | 2.1932% | 4,440 |
| Noninterest income to average assets | 0.0759% | 4,568 |
| Noninterest expense to average assets | 1.9658% | 3,532 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.1495% | 4,476 |
| Return on assets (ROA) | 0.1462% | 4,444 |
| Pretax return on assets | 0.1959% | 4,418 |
| Return on Equity (ROE) | 1.1942% | 4,440 |
| Retained earnings to average equity (ytd only) | 1.1942% | 3,948 |
| Net charge-offs to loans | -0.0567% | 4,287 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.7643% | 376 |
| Assets per employee ($millions) | 10.5027% | 567 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0849% | 3,216 |
| Loan loss allowance to noncurrent loans | 229.1457% | 2,500 |
| Noncurrent assets plus other real estate owned to assets | 0.2707% | 1,957 |
| Noncurrent loans to loans | 0.4734% | 1,696 |
| Net loans and leases to total assets | 56.5520% | 2,694 |
| Net loans and leases to deposits | 64.1786% | 2,702 |
| Net loans and leases to core deposits | 68.0416% | 2,650 |
| Total domestic deposits to total assets | 88.1167% | 2,525 |
| Equity capital to assets | 11.7235% | 957 |
| Core capital (leverage) ratio | 12.6542% | 924 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $144,979,000 | 3,554 |
| Average earning assets | $138,152,000 | 3,510 |
| Average equity | $17,752,333 | 3,258 |
| Average total loans | $81,114,667 | 3,437 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6718% | 3,995 |
| Cost of funding earning assets | 0.5856% | 288 |
| Net interest margin | 2.0862% | 4,456 |
| Noninterest income to average assets | 0.0500% | 4,656 |
| Noninterest expense to average assets | 1.8701% | 3,752 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.1262% | 4,437 |
| Return on assets (ROA) | 0.1306% | 4,402 |
| Pretax return on assets | 0.1751% | 4,355 |
| Return on Equity (ROE) | 1.0439% | 4,420 |
| Retained earnings to average equity (ytd only) | 1.0439% | 3,817 |
| Net charge-offs to loans | -0.0703% | 4,370 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.6894% | 475 |
| Assets per employee ($millions) | 10.5074% | 594 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1318% | 3,188 |
| Loan loss allowance to noncurrent loans | 371.6049% | 1,826 |
| Noncurrent assets plus other real estate owned to assets | 0.1652% | 2,641 |
| Noncurrent loans to loans | 0.3046% | 2,370 |
| Net loans and leases to total assets | 53.6223% | 2,808 |
| Net loans and leases to deposits | 61.0536% | 2,802 |
| Net loans and leases to core deposits | 64.5996% | 2,752 |
| Total domestic deposits to total assets | 87.8283% | 2,610 |
| Equity capital to assets | 12.0072% | 948 |
| Core capital (leverage) ratio | 12.8918% | 800 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $143,949,500 | 3,577 |
| Average earning assets | $137,285,000 | 3,531 |
| Average equity | $18,009,500 | 3,325 |
| Average total loans | $79,639,500 | 3,464 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9958% | 3,881 |
| Cost of funding earning assets | 0.7144% | 304 |
| Net interest margin | 2.2814% | 4,433 |
| Noninterest income to average assets | 0.0804% | 4,660 |
| Noninterest expense to average assets | 2.0107% | 3,646 |
| Loan and lease loss provision to assets | -0.0571% | 4,391 |
| Net operating income to assets | 0.2410% | 4,493 |
| Return on assets (ROA) | 0.2285% | 4,521 |
| Pretax return on assets | 0.3217% | 4,474 |
| Return on Equity (ROE) | 1.6597% | 4,535 |
| Retained earnings to average equity (ytd only) | 1.6597% | 4,077 |
| Net charge-offs to loans | 0.0063% | 2,340 |
| Credit loss provision to net charge-offs | -1,520.0000% | 4,004 |
| Earnings coverage of net charge-offs (x) | 74.6000% | 1,036 |
| Efficiency ratio | 87.7625% | 399 |
| Assets per employee ($millions) | 10.8305% | 530 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1183% | 3,283 |
| Loan loss allowance to noncurrent loans | 213.7019% | 2,493 |
| Noncurrent assets plus other real estate owned to assets | 0.2955% | 2,065 |
| Noncurrent loans to loans | 0.5233% | 1,823 |
| Net loans and leases to total assets | 55.8304% | 2,642 |
| Net loans and leases to deposits | 64.4663% | 2,645 |
| Net loans and leases to core deposits | 68.4342% | 2,610 |
| Total domestic deposits to total assets | 86.6040% | 2,666 |
| Equity capital to assets | 13.0373% | 887 |
| Core capital (leverage) ratio | 13.3166% | 725 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $133,040,400 | 3,645 |
| Average earning assets | $128,914,800 | 3,590 |
| Average equity | $18,316,800 | 3,363 |
| Average total loans | $79,089,200 | 3,496 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0720% | 3,864 |
| Cost of funding earning assets | 0.7380% | 325 |
| Net interest margin | 2.3341% | 4,457 |
| Noninterest income to average assets | 0.0793% | 4,734 |
| Noninterest expense to average assets | 1.9974% | 3,680 |
| Loan and lease loss provision to assets | -0.1030% | 4,612 |
| Net operating income to assets | 0.3271% | 4,479 |
| Return on assets (ROA) | 0.3102% | 4,531 |
| Pretax return on assets | 0.4343% | 4,450 |
| Return on Equity (ROE) | 2.2213% | 4,565 |
| Retained earnings to average equity (ytd only) | 2.2213% | 4,132 |
| Net charge-offs to loans | 0.0304% | 1,445 |
| Credit loss provision to net charge-offs | -561.1111% | 3,682 |
| Earnings coverage of net charge-offs (x) | 19.2778% | 1,765 |
| Efficiency ratio | 84.9849% | 476 |
| Assets per employee ($millions) | 10.5401% | 551 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0746% | 3,559 |
| Loan loss allowance to noncurrent loans | 269.3038% | 2,127 |
| Noncurrent assets plus other real estate owned to assets | 0.2306% | 2,620 |
| Noncurrent loans to loans | 0.3990% | 2,363 |
| Net loans and leases to total assets | 57.1737% | 2,593 |
| Net loans and leases to deposits | 66.3342% | 2,600 |
| Net loans and leases to core deposits | 70.8549% | 2,525 |
| Total domestic deposits to total assets | 86.1904% | 2,675 |
| Equity capital to assets | 13.4490% | 869 |
| Core capital (leverage) ratio | 13.5877% | 716 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $131,101,500 | 3,698 |
| Average earning assets | $127,556,250 | 3,637 |
| Average equity | $18,307,000 | 3,402 |
| Average total loans | $78,987,500 | 3,539 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8986% | 4,228 |
| Cost of funding earning assets | 0.7629% | 344 |
| Net interest margin | 2.1357% | 4,637 |
| Noninterest income to average assets | 0.0805% | 4,756 |
| Noninterest expense to average assets | 2.0553% | 3,536 |
| Loan and lease loss provision to assets | -0.1518% | 4,709 |
| Net operating income to assets | 0.1797% | 4,651 |
| Return on assets (ROA) | 0.1797% | 4,669 |
| Pretax return on assets | 0.2540% | 4,632 |
| Return on Equity (ROE) | 1.2701% | 4,673 |
| Retained earnings to average equity (ytd only) | 1.2701% | 4,284 |
| Net charge-offs to loans | -0.0608% | 4,448 |
| Credit loss provision to net charge-offs | 408.3333% | 752 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.2620% | 230 |
| Assets per employee ($millions) | 10.2485% | 570 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1603% | 3,140 |
| Loan loss allowance to noncurrent loans | 64.9746% | 3,777 |
| Noncurrent assets plus other real estate owned to assets | 1.0350% | 718 |
| Noncurrent loans to loans | 1.7858% | 584 |
| Net loans and leases to total assets | 57.2862% | 2,752 |
| Net loans and leases to deposits | 66.5147% | 2,778 |
| Net loans and leases to core deposits | 70.7894% | 2,704 |
| Total domestic deposits to total assets | 86.1256% | 2,697 |
| Equity capital to assets | 13.7528% | 763 |
| Core capital (leverage) ratio | 14.0931% | 610 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $129,128,333 | 3,733 |
| Average earning assets | $125,577,667 | 3,670 |
| Average equity | $18,266,667 | 3,406 |
| Average total loans | $78,919,667 | 3,566 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0464% | 3,992 |
| Cost of funding earning assets | 0.7867% | 384 |
| Net interest margin | 2.2597% | 4,559 |
| Noninterest income to average assets | 0.0850% | 4,748 |
| Noninterest expense to average assets | 2.0523% | 3,556 |
| Loan and lease loss provision to assets | -0.1952% | 4,808 |
| Net operating income to assets | 0.3053% | 4,508 |
| Return on assets (ROA) | 0.3053% | 4,542 |
| Pretax return on assets | 0.4249% | 4,456 |
| Return on Equity (ROE) | 2.1274% | 4,591 |
| Retained earnings to average equity (ytd only) | 2.1274% | 3,984 |
| Net charge-offs to loans | -0.0451% | 4,352 |
| Credit loss provision to net charge-offs | 688.8889% | 513 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.9310% | 370 |
| Assets per employee ($millions) | 10.5598% | 509 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1746% | 3,066 |
| Loan loss allowance to noncurrent loans | 777.1186% | 831 |
| Noncurrent assets plus other real estate owned to assets | 0.0931% | 3,724 |
| Noncurrent loans to loans | 0.1512% | 3,569 |
| Net loans and leases to total assets | 60.8824% | 2,415 |
| Net loans and leases to deposits | 71.2239% | 2,395 |
| Net loans and leases to core deposits | 75.7700% | 2,373 |
| Total domestic deposits to total assets | 85.4804% | 2,931 |
| Equity capital to assets | 14.3579% | 601 |
| Core capital (leverage) ratio | 14.3818% | 590 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $127,077,000 | 3,764 |
| Average earning assets | $123,557,500 | 3,700 |
| Average equity | $18,238,500 | 3,401 |
| Average total loans | $79,770,000 | 3,565 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3710% | 4,238 |
| Cost of funding earning assets | 1.0276% | 537 |
| Net interest margin | 2.3434% | 4,694 |
| Noninterest income to average assets | 0.0911% | 4,767 |
| Noninterest expense to average assets | 2.0289% | 4,088 |
| Loan and lease loss provision to assets | -0.0192% | 4,913 |
| Net operating income to assets | 0.2546% | 4,496 |
| Return on assets (ROA) | 0.2565% | 4,559 |
| Pretax return on assets | 0.3580% | 4,474 |
| Return on Equity (ROE) | 1.7751% | 4,586 |
| Retained earnings to average equity (ytd only) | 1.7751% | 3,913 |
| Net charge-offs to loans | -0.0278% | 4,510 |
| Credit loss provision to net charge-offs | 100.0000% | 2,816 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.7770% | 539 |
| Assets per employee ($millions) | 9.8028% | 564 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1906% | 2,996 |
| Loan loss allowance to noncurrent loans | 71.0102% | 3,728 |
| Noncurrent assets plus other real estate owned to assets | 1.0719% | 862 |
| Noncurrent loans to loans | 1.6766% | 773 |
| Net loans and leases to total assets | 63.1721% | 2,469 |
| Net loans and leases to deposits | 73.9403% | 2,490 |
| Net loans and leases to core deposits | 79.0891% | 2,444 |
| Total domestic deposits to total assets | 85.4366% | 2,599 |
| Equity capital to assets | 14.3468% | 720 |
| Core capital (leverage) ratio | 14.4574% | 604 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $125,144,000 | 3,684 |
| Average earning assets | $121,446,600 | 3,610 |
| Average equity | $18,083,800 | 3,355 |
| Average total loans | $86,331,600 | 3,463 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4684% | 4,260 |
| Cost of funding earning assets | 1.0844% | 566 |
| Net interest margin | 2.3840% | 4,736 |
| Noninterest income to average assets | 0.0835% | 4,811 |
| Noninterest expense to average assets | 2.0475% | 4,053 |
| Loan and lease loss provision to assets | -0.0088% | 4,962 |
| Net operating income to assets | 0.2622% | 4,505 |
| Return on assets (ROA) | 0.2622% | 4,548 |
| Pretax return on assets | 0.3575% | 4,476 |
| Return on Equity (ROE) | 1.8113% | 4,583 |
| Retained earnings to average equity (ytd only) | 1.8113% | 3,999 |
| Net charge-offs to loans | -0.0168% | 4,369 |
| Credit loss provision to net charge-offs | 72.7273% | 2,798 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.4399% | 533 |
| Assets per employee ($millions) | 9.5582% | 586 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1779% | 2,791 |
| Loan loss allowance to noncurrent loans | 278.7966% | 1,711 |
| Noncurrent assets plus other real estate owned to assets | 0.2809% | 3,041 |
| Noncurrent loans to loans | 0.4225% | 2,793 |
| Net loans and leases to total assets | 65.6942% | 2,553 |
| Net loans and leases to deposits | 77.3427% | 2,609 |
| Net loans and leases to core deposits | 82.6790% | 2,605 |
| Total domestic deposits to total assets | 84.9392% | 2,466 |
| Equity capital to assets | 14.6633% | 704 |
| Core capital (leverage) ratio | 14.6277% | 599 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $124,571,000 | 3,686 |
| Average earning assets | $120,859,750 | 3,610 |
| Average equity | $18,034,000 | 3,366 |
| Average total loans | $87,546,000 | 3,460 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5810% | 4,293 |
| Cost of funding earning assets | 1.1496% | 610 |
| Net interest margin | 2.4315% | 4,776 |
| Noninterest income to average assets | 0.0834% | 4,826 |
| Noninterest expense to average assets | 2.0854% | 4,063 |
| Loan and lease loss provision to assets | 0.1652% | 2,348 |
| Net operating income to assets | 0.1428% | 4,639 |
| Return on assets (ROA) | 0.1428% | 4,672 |
| Pretax return on assets | 0.1909% | 4,640 |
| Return on Equity (ROE) | 0.9904% | 4,690 |
| Retained earnings to average equity (ytd only) | 0.9904% | 4,103 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.4139% | 567 |
| Assets per employee ($millions) | 9.4396% | 597 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2353% | 2,326 |
| Loan loss allowance to noncurrent loans | 292.3706% | 1,591 |
| Noncurrent assets plus other real estate owned to assets | 0.2991% | 3,113 |
| Noncurrent loans to loans | 0.4225% | 2,894 |
| Net loans and leases to total assets | 69.9083% | 2,044 |
| Net loans and leases to deposits | 82.3120% | 2,169 |
| Net loans and leases to core deposits | 88.5362% | 2,193 |
| Total domestic deposits to total assets | 84.9309% | 2,429 |
| Equity capital to assets | 14.7244% | 680 |
| Core capital (leverage) ratio | 14.6548% | 628 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $124,676,000 | 3,668 |
| Average earning assets | $120,915,000 | 3,591 |
| Average equity | $17,972,000 | 3,365 |
| Average total loans | $89,194,000 | 3,426 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6853% | 4,422 |
| Cost of funding earning assets | 1.2350% | 684 |
| Net interest margin | 2.4503% | 4,849 |
| Noninterest income to average assets | 0.0637% | 4,939 |
| Noninterest expense to average assets | 2.1965% | 4,012 |
| Loan and lease loss provision to assets | 0.0987% | 2,450 |
| Net operating income to assets | 0.1082% | 4,649 |
| Return on assets (ROA) | 0.1082% | 4,648 |
| Pretax return on assets | 0.1432% | 4,629 |
| Return on Equity (ROE) | 0.7588% | 4,656 |
| Retained earnings to average equity (ytd only) | 0.7588% | 3,803 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.0783% | 494 |
| Assets per employee ($millions) | 9.3272% | 470 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1105% | 3,146 |
| Loan loss allowance to noncurrent loans | 310.8696% | 1,460 |
| Noncurrent assets plus other real estate owned to assets | 0.2656% | 3,397 |
| Noncurrent loans to loans | 0.3572% | 3,217 |
| Net loans and leases to total assets | 73.5141% | 1,691 |
| Net loans and leases to deposits | 86.4754% | 1,933 |
| Net loans and leases to core deposits | 93.0906% | 2,060 |
| Total domestic deposits to total assets | 85.0115% | 2,405 |
| Equity capital to assets | 14.8318% | 794 |
| Core capital (leverage) ratio | 14.2617% | 846 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $125,656,500 | 3,630 |
| Average earning assets | $121,782,000 | 3,552 |
| Average equity | $17,923,500 | 3,376 |
| Average total loans | $90,360,500 | 3,389 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8042% | 4,561 |
| Cost of funding earning assets | 1.2478% | 902 |
| Net interest margin | 2.5564% | 4,939 |
| Noninterest income to average assets | 0.0515% | 5,035 |
| Noninterest expense to average assets | 2.1797% | 4,204 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.2506% | 4,797 |
| Return on assets (ROA) | 0.2506% | 4,822 |
| Pretax return on assets | 0.3425% | 4,774 |
| Return on Equity (ROE) | 1.7836% | 4,821 |
| Retained earnings to average equity (ytd only) | 1.7836% | 4,095 |
| Net charge-offs to loans | 0.0321% | 2,747 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 14.8966% | 2,261 |
| Efficiency ratio | 86.4194% | 522 |
| Assets per employee ($millions) | 10.0046% | 362 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0709% | 3,099 |
| Loan loss allowance to noncurrent loans | 179.9629% | 2,278 |
| Noncurrent assets plus other real estate owned to assets | 0.4144% | 2,736 |
| Noncurrent loans to loans | 0.5950% | 2,400 |
| Net loans and leases to total assets | 68.9005% | 2,551 |
| Net loans and leases to deposits | 87.8739% | 1,867 |
| Net loans and leases to core deposits | 95.2033% | 1,968 |
| Total domestic deposits to total assets | 78.4084% | 4,296 |
| Equity capital to assets | 13.7344% | 1,194 |
| Core capital (leverage) ratio | 13.8198% | 975 |
| Tier 1 risk-based capital ratio | 28.2875% | 544 |
| Total risk-based capital ratio | 29.5614% | 534 |
| Memoranda: | ||
| Average total assets | $126,116,800 | 3,615 |
| Average earning assets | $121,890,000 | 3,536 |
| Average equity | $17,717,000 | 3,367 |
| Average total loans | $90,332,800 | 3,389 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8572% | 4,597 |
| Cost of funding earning assets | 1.2126% | 1,007 |
| Net interest margin | 2.6447% | 4,973 |
| Noninterest income to average assets | 0.0490% | 5,114 |
| Noninterest expense to average assets | 2.0916% | 4,377 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.3729% | 4,764 |
| Return on assets (ROA) | 0.3729% | 4,787 |
| Pretax return on assets | 0.5115% | 4,687 |
| Return on Equity (ROE) | 2.6394% | 4,818 |
| Retained earnings to average equity (ytd only) | 2.6394% | 4,031 |
| Net charge-offs to loans | 0.0428% | 2,240 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 16.5498% | 2,137 |
| Efficiency ratio | 80.3520% | 894 |
| Assets per employee ($millions) | 9.8372% | 368 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0720% | 3,166 |
| Loan loss allowance to noncurrent loans | 170.4745% | 2,370 |
| Noncurrent assets plus other real estate owned to assets | 0.4449% | 2,743 |
| Noncurrent loans to loans | 0.6288% | 2,402 |
| Net loans and leases to total assets | 69.9994% | 2,476 |
| Net loans and leases to deposits | 89.7046% | 1,736 |
| Net loans and leases to core deposits | 96.4571% | 1,965 |
| Total domestic deposits to total assets | 78.0332% | 4,336 |
| Equity capital to assets | 14.0127% | 1,145 |
| Core capital (leverage) ratio | 14.1236% | 952 |
| Tier 1 risk-based capital ratio | 28.7609% | 522 |
| Total risk-based capital ratio | 30.0408% | 513 |
| Memoranda: | ||
| Average total assets | $125,131,000 | 3,660 |
| Average earning assets | $120,844,500 | 3,592 |
| Average equity | $17,680,500 | 3,390 |
| Average total loans | $90,270,500 | 3,431 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8667% | 4,610 |
| Cost of funding earning assets | 1.1675% | 1,084 |
| Net interest margin | 2.6992% | 5,003 |
| Noninterest income to average assets | 0.0531% | 5,156 |
| Noninterest expense to average assets | 2.1222% | 4,375 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.3961% | 4,742 |
| Return on assets (ROA) | 0.3961% | 4,761 |
| Pretax return on assets | 0.5442% | 4,639 |
| Return on Equity (ROE) | 2.7953% | 4,829 |
| Retained earnings to average equity (ytd only) | 2.7953% | 3,813 |
| Net charge-offs to loans | 0.0643% | 1,736 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 11.6552% | 2,193 |
| Efficiency ratio | 79.5894% | 1,001 |
| Assets per employee ($millions) | 9.7557% | 357 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0663% | 3,256 |
| Loan loss allowance to noncurrent loans | 234.8668% | 1,919 |
| Noncurrent assets plus other real estate owned to assets | 0.3256% | 3,231 |
| Noncurrent loans to loans | 0.4540% | 2,919 |
| Net loans and leases to total assets | 70.9621% | 2,393 |
| Net loans and leases to deposits | 91.0551% | 1,617 |
| Net loans and leases to core deposits | 96.2339% | 2,042 |
| Total domestic deposits to total assets | 77.9332% | 4,410 |
| Equity capital to assets | 14.0344% | 1,102 |
| Core capital (leverage) ratio | 14.1530% | 923 |
| Tier 1 risk-based capital ratio | 28.4146% | 547 |
| Total risk-based capital ratio | 29.6673% | 532 |
| Memoranda: | ||
| Average total assets | $124,213,330 | 3,699 |
| Average earning assets | $120,258,000 | 3,618 |
| Average equity | $17,600,670 | 3,403 |
| Average total loans | $90,198,000 | 3,453 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8253% | 4,672 |
| Cost of funding earning assets | 1.1261% | 1,099 |
| Net interest margin | 2.6993% | 5,065 |
| Noninterest income to average assets | 0.0586% | 5,185 |
| Noninterest expense to average assets | 2.2000% | 4,257 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.3450% | 4,844 |
| Return on assets (ROA) | 0.3450% | 4,850 |
| Pretax return on assets | 0.4719% | 4,743 |
| Return on Equity (ROE) | 2.4226% | 4,906 |
| Retained earnings to average equity (ytd only) | 2.4226% | 3,949 |
| Net charge-offs to loans | 0.1292% | 968 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 5.0000% | 2,289 |
| Efficiency ratio | 82.3386% | 841 |
| Assets per employee ($millions) | 10.3479% | 308 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0797% | 3,240 |
| Loan loss allowance to noncurrent loans | 218.4685% | 2,048 |
| Noncurrent assets plus other real estate owned to assets | 0.3576% | 3,174 |
| Noncurrent loans to loans | 0.4942% | 2,831 |
| Net loans and leases to total assets | 71.5692% | 2,237 |
| Net loans and leases to deposits | 92.2185% | 1,378 |
| Net loans and leases to core deposits | 97.5811% | 1,811 |
| Total domestic deposits to total assets | 77.6082% | 4,577 |
| Equity capital to assets | 14.1695% | 981 |
| Core capital (leverage) ratio | 14.4126% | 839 |
| Tier 1 risk-based capital ratio | 28.6159% | 528 |
| Total risk-based capital ratio | 29.8696% | 523 |
| Memoranda: | ||
| Average total assets | $122,908,000 | 3,750 |
| Average earning assets | $118,996,000 | 3,670 |
| Average equity | $17,501,500 | 3,415 |
| Average total loans | $89,813,500 | 3,494 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7806% | 4,535 |
| Cost of funding earning assets | 0.9978% | 756 |
| Net interest margin | 2.7828% | 5,034 |
| Noninterest income to average assets | 0.1107% | 5,120 |
| Noninterest expense to average assets | 1.9387% | 4,837 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.6382% | 4,321 |
| Return on assets (ROA) | 0.6356% | 4,330 |
| Pretax return on assets | 0.8562% | 4,022 |
| Return on Equity (ROE) | 4.5926% | 4,564 |
| Retained earnings to average equity (ytd only) | 4.5926% | 3,000 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2845% | 2,328 |
| Assets per employee ($millions) | 10.1368% | 331 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1126% | 3,020 |
| Loan loss allowance to noncurrent loans | 210.3158% | 2,155 |
| Noncurrent assets plus other real estate owned to assets | 0.3905% | 2,995 |
| Noncurrent loans to loans | 0.5290% | 2,681 |
| Net loans and leases to total assets | 72.9910% | 2,101 |
| Net loans and leases to deposits | 94.4241% | 1,235 |
| Net loans and leases to core deposits | 98.6654% | 1,819 |
| Total domestic deposits to total assets | 77.3012% | 4,587 |
| Equity capital to assets | 14.3110% | 890 |
| Core capital (leverage) ratio | 14.4570% | 812 |
| Tier 1 risk-based capital ratio | 28.8768% | 518 |
| Total risk-based capital ratio | 30.1332% | 511 |
| Memoranda: | ||
| Average total assets | $122,868,800 | 3,746 |
| Average earning assets | $118,659,200 | 3,667 |
| Average equity | $17,005,600 | 3,393 |
| Average total loans | $89,170,000 | 3,495 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7607% | 4,528 |
| Cost of funding earning assets | 0.9747% | 661 |
| Net interest margin | 2.7861% | 5,104 |
| Noninterest income to average assets | 0.1256% | 5,118 |
| Noninterest expense to average assets | 1.9170% | 4,878 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.6702% | 4,318 |
| Return on assets (ROA) | 0.6668% | 4,344 |
| Pretax return on assets | 0.8930% | 4,045 |
| Return on Equity (ROE) | 4.8584% | 4,609 |
| Retained earnings to average equity (ytd only) | 4.8584% | 3,312 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1154% | 2,516 |
| Assets per employee ($millions) | 9.3556% | 390 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1282% | 3,033 |
| Loan loss allowance to noncurrent loans | 282.2034% | 1,725 |
| Noncurrent assets plus other real estate owned to assets | 0.2911% | 3,527 |
| Noncurrent loans to loans | 0.3998% | 3,221 |
| Net loans and leases to total assets | 71.9847% | 2,331 |
| Net loans and leases to deposits | 93.1076% | 1,494 |
| Net loans and leases to core deposits | 96.7286% | 2,051 |
| Total domestic deposits to total assets | 77.3135% | 4,589 |
| Equity capital to assets | 14.1133% | 922 |
| Core capital (leverage) ratio | 14.1652% | 893 |
| Tier 1 risk-based capital ratio | 28.9722% | 521 |
| Total risk-based capital ratio | 30.2351% | 512 |
| Memoranda: | ||
| Average total assets | $123,175,750 | 3,780 |
| Average earning assets | $118,874,500 | 3,704 |
| Average equity | $16,905,000 | 3,427 |
| Average total loans | $89,016,000 | 3,528 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7312% | 4,515 |
| Cost of funding earning assets | 0.9516% | 581 |
| Net interest margin | 2.7795% | 5,144 |
| Noninterest income to average assets | 0.0437% | 5,418 |
| Noninterest expense to average assets | 1.9273% | 4,925 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.6082% | 4,471 |
| Return on assets (ROA) | 0.6031% | 4,491 |
| Pretax return on assets | 0.7923% | 4,269 |
| Return on Equity (ROE) | 4.4356% | 4,712 |
| Retained earnings to average equity (ytd only) | 4.4356% | 3,379 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6999% | 2,213 |
| Assets per employee ($millions) | 9.5665% | 369 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1146% | 3,183 |
| Loan loss allowance to noncurrent loans | 263.5884% | 1,818 |
| Noncurrent assets plus other real estate owned to assets | 0.7446% | 2,007 |
| Noncurrent loans to loans | 0.4228% | 3,186 |
| Net loans and leases to total assets | 71.2690% | 2,396 |
| Net loans and leases to deposits | 91.1375% | 1,687 |
| Net loans and leases to core deposits | 94.5600% | 2,179 |
| Total domestic deposits to total assets | 78.1995% | 4,551 |
| Equity capital to assets | 13.6318% | 1,058 |
| Core capital (leverage) ratio | 13.8908% | 933 |
| Tier 1 risk-based capital ratio | 27.8702% | 563 |
| Total risk-based capital ratio | 29.1311% | 557 |
| Memoranda: | ||
| Average total assets | $123,693,330 | 3,800 |
| Average earning assets | $119,372,330 | 3,722 |
| Average equity | $16,818,330 | 3,460 |
| Average total loans | $89,171,670 | 3,540 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6913% | 4,485 |
| Cost of funding earning assets | 0.9279% | 523 |
| Net interest margin | 2.7634% | 5,194 |
| Noninterest income to average assets | 0.0551% | 5,463 |
| Noninterest expense to average assets | 1.9002% | 5,019 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.6524% | 4,268 |
| Return on assets (ROA) | 0.6420% | 4,317 |
| Pretax return on assets | 0.8074% | 4,130 |
| Return on Equity (ROE) | 4.7281% | 4,573 |
| Retained earnings to average equity (ytd only) | 4.7281% | 3,297 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8451% | 2,506 |
| Assets per employee ($millions) | 10.2597% | 298 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1275% | 3,219 |
| Loan loss allowance to noncurrent loans | 242.4757% | 1,930 |
| Noncurrent assets plus other real estate owned to assets | 0.7789% | 2,018 |
| Noncurrent loans to loans | 0.4650% | 3,136 |
| Net loans and leases to total assets | 71.1532% | 2,309 |
| Net loans and leases to deposits | 91.4215% | 1,511 |
| Net loans and leases to core deposits | 94.8771% | 2,067 |
| Total domestic deposits to total assets | 77.8299% | 4,749 |
| Equity capital to assets | 13.6424% | 1,000 |
| Core capital (leverage) ratio | 13.7888% | 923 |
| Tier 1 risk-based capital ratio | 28.2522% | 545 |
| Total risk-based capital ratio | 29.5119% | 540 |
| Memoranda: | ||
| Average total assets | $123,358,000 | 3,842 |
| Average earning assets | $118,982,500 | 3,764 |
| Average equity | $16,751,000 | 3,502 |
| Average total loans | $88,941,500 | 3,569 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6224% | 4,525 |
| Cost of funding earning assets | 0.9344% | 311 |
| Net interest margin | 2.6880% | 5,285 |
| Noninterest income to average assets | 0.1397% | 5,254 |
| Noninterest expense to average assets | 1.8092% | 5,234 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.4883% | 4,403 |
| Return on assets (ROA) | 0.4883% | 4,437 |
| Pretax return on assets | 0.9270% | 3,823 |
| Return on Equity (ROE) | 3.6485% | 4,629 |
| Retained earnings to average equity (ytd only) | 3.6485% | 3,066 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1223% | 3,246 |
| Assets per employee ($millions) | 9.5077% | 373 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1189% | 3,248 |
| Loan loss allowance to noncurrent loans | 229.1284% | 2,057 |
| Noncurrent assets plus other real estate owned to assets | 0.7953% | 1,961 |
| Noncurrent loans to loans | 0.4883% | 3,056 |
| Net loans and leases to total assets | 71.4272% | 2,315 |
| Net loans and leases to deposits | 91.5800% | 1,582 |
| Net loans and leases to core deposits | 94.8658% | 2,122 |
| Total domestic deposits to total assets | 77.9943% | 4,722 |
| Equity capital to assets | 13.5162% | 1,053 |
| Core capital (leverage) ratio | 13.5032% | 964 |
| Tier 1 risk-based capital ratio | 27.3291% | 577 |
| Total risk-based capital ratio | 28.5996% | 567 |
| Memoranda: | ||
| Average total assets | $123,091,200 | 3,847 |
| Average earning assets | $118,900,200 | 3,766 |
| Average equity | $16,472,400 | 3,540 |
| Average total loans | $86,180,000 | 3,610 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5690% | 4,639 |
| Cost of funding earning assets | 0.9301% | 294 |
| Net interest margin | 2.6389% | 5,379 |
| Noninterest income to average assets | 0.1876% | 5,075 |
| Noninterest expense to average assets | 1.7620% | 5,313 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.5920% | 4,417 |
| Return on assets (ROA) | 0.5920% | 4,456 |
| Pretax return on assets | 0.9759% | 3,781 |
| Return on Equity (ROE) | 4.4351% | 4,734 |
| Retained earnings to average equity (ytd only) | 4.4351% | 3,260 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3564% | 3,477 |
| Assets per employee ($millions) | 9.5716% | 361 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1414% | 3,247 |
| Loan loss allowance to noncurrent loans | 127.7494% | 3,107 |
| Noncurrent assets plus other real estate owned to assets | 1.1910% | 1,382 |
| Noncurrent loans to loans | 0.8935% | 2,141 |
| Net loans and leases to total assets | 69.5365% | 2,628 |
| Net loans and leases to deposits | 89.1330% | 1,914 |
| Net loans and leases to core deposits | 92.2796% | 2,411 |
| Total domestic deposits to total assets | 78.0143% | 4,724 |
| Equity capital to assets | 13.4267% | 1,187 |
| Core capital (leverage) ratio | 13.4573% | 1,036 |
| Tier 1 risk-based capital ratio | 27.5010% | 592 |
| Total risk-based capital ratio | 28.7753% | 582 |
| Memoranda: | ||
| Average total assets | $122,964,000 | 3,887 |
| Average earning assets | $118,836,500 | 3,809 |
| Average equity | $16,414,000 | 3,578 |
| Average total loans | $85,404,250 | 3,651 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5456% | 4,642 |
| Cost of funding earning assets | 0.9240% | 263 |
| Net interest margin | 2.6216% | 5,421 |
| Noninterest income to average assets | 0.2662% | 4,636 |
| Noninterest expense to average assets | 1.7538% | 5,365 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.6352% | 4,141 |
| Return on assets (ROA) | 0.6352% | 4,189 |
| Pretax return on assets | 1.0467% | 3,380 |
| Return on Equity (ROE) | 4.7682% | 4,581 |
| Retained earnings to average equity (ytd only) | 4.7682% | 2,873 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6239% | 3,882 |
| Assets per employee ($millions) | 9.5638% | 343 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1498% | 3,315 |
| Loan loss allowance to noncurrent loans | 122.5767% | 3,184 |
| Noncurrent assets plus other real estate owned to assets | 1.2185% | 1,396 |
| Noncurrent loans to loans | 0.9380% | 2,092 |
| Net loans and leases to total assets | 69.0788% | 2,655 |
| Net loans and leases to deposits | 88.1767% | 1,962 |
| Net loans and leases to core deposits | 91.2787% | 2,397 |
| Total domestic deposits to total assets | 78.3413% | 4,759 |
| Equity capital to assets | 13.3115% | 1,225 |
| Core capital (leverage) ratio | 13.3015% | 1,055 |
| Tier 1 risk-based capital ratio | 27.3910% | 586 |
| Total risk-based capital ratio | 28.6591% | 573 |
| Memoranda: | ||
| Average total assets | $122,475,000 | 3,918 |
| Average earning assets | $118,400,670 | 3,830 |
| Average equity | $16,316,330 | 3,601 |
| Average total loans | $84,697,670 | 3,683 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5251% | 4,622 |
| Cost of funding earning assets | 0.9128% | 261 |
| Net interest margin | 2.6123% | 5,463 |
| Noninterest income to average assets | 0.0559% | 5,714 |
| Noninterest expense to average assets | 1.8791% | 5,261 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.4245% | 4,875 |
| Return on assets (ROA) | 0.4245% | 4,897 |
| Pretax return on assets | 0.7010% | 4,448 |
| Return on Equity (ROE) | 3.1853% | 5,048 |
| Retained earnings to average equity (ytd only) | 3.1853% | 3,830 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8316% | 2,438 |
| Assets per employee ($millions) | 9.4745% | 364 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1891% | 3,199 |
| Loan loss allowance to noncurrent loans | 117.3913% | 3,320 |
| Noncurrent assets plus other real estate owned to assets | 1.2592% | 1,361 |
| Noncurrent loans to loans | 1.0129% | 2,026 |
| Net loans and leases to total assets | 67.4001% | 2,761 |
| Net loans and leases to deposits | 86.1510% | 2,017 |
| Net loans and leases to core deposits | 89.1849% | 2,435 |
| Total domestic deposits to total assets | 78.2348% | 4,941 |
| Equity capital to assets | 13.2046% | 1,184 |
| Core capital (leverage) ratio | 13.3193% | 1,029 |
| Tier 1 risk-based capital ratio | 27.5694% | 591 |
| Total risk-based capital ratio | 28.8373% | 573 |
| Memoranda: | ||
| Average total assets | $121,548,000 | 3,968 |
| Average earning assets | $117,443,000 | 3,885 |
| Average equity | $16,199,500 | 3,638 |
| Average total loans | $83,604,500 | 3,726 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5894% | 4,537 |
| Cost of funding earning assets | 0.9156% | 273 |
| Net interest margin | 2.6738% | 5,451 |
| Noninterest income to average assets | 0.0459% | 5,781 |
| Noninterest expense to average assets | 2.1776% | 4,830 |
| Loan and lease loss provision to assets | -0.1062% | 5,696 |
| Net operating income to assets | 0.3346% | 5,131 |
| Return on assets (ROA) | 0.3346% | 5,203 |
| Pretax return on assets | 0.5512% | 4,918 |
| Return on Equity (ROE) | 2.4668% | 5,298 |
| Retained earnings to average equity (ytd only) | 2.4668% | 4,116 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.0311% | 1,095 |
| Assets per employee ($millions) | 9.2252% | 399 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2008% | 3,121 |
| Loan loss allowance to noncurrent loans | 112.7540% | 3,374 |
| Noncurrent assets plus other real estate owned to assets | 1.3225% | 1,321 |
| Noncurrent loans to loans | 1.0650% | 1,948 |
| Net loans and leases to total assets | 68.5375% | 2,695 |
| Net loans and leases to deposits | 88.0164% | 1,926 |
| Net loans and leases to core deposits | 91.2183% | 2,373 |
| Total domestic deposits to total assets | 77.8690% | 4,993 |
| Equity capital to assets | 13.4540% | 1,074 |
| Core capital (leverage) ratio | 13.5849% | 937 |
| Tier 1 risk-based capital ratio | 27.7007% | 582 |
| Total risk-based capital ratio | 28.9859% | 566 |
| Memoranda: | ||
| Average total assets | $117,745,400 | 4,033 |
| Average earning assets | $113,472,200 | 3,937 |
| Average equity | $15,972,200 | 3,692 |
| Average total loans | $85,594,600 | 3,672 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6347% | 4,448 |
| Cost of funding earning assets | 0.9081% | 279 |
| Net interest margin | 2.7266% | 5,458 |
| Noninterest income to average assets | 0.0478% | 5,844 |
| Noninterest expense to average assets | 2.1513% | 4,893 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.3174% | 5,248 |
| Return on assets (ROA) | 0.3174% | 5,330 |
| Pretax return on assets | 0.5233% | 5,070 |
| Return on Equity (ROE) | 2.3349% | 5,399 |
| Retained earnings to average equity (ytd only) | 2.3349% | 4,522 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.4339% | 1,387 |
| Assets per employee ($millions) | 8.4548% | 491 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3318% | 2,527 |
| Loan loss allowance to noncurrent loans | 121.1207% | 3,223 |
| Noncurrent assets plus other real estate owned to assets | 1.4455% | 1,267 |
| Noncurrent loans to loans | 1.0995% | 2,055 |
| Net loans and leases to total assets | 70.3541% | 2,442 |
| Net loans and leases to deposits | 91.1206% | 1,618 |
| Net loans and leases to core deposits | 94.4772% | 2,153 |
| Total domestic deposits to total assets | 77.2099% | 5,044 |
| Equity capital to assets | 13.6043% | 1,196 |
| Core capital (leverage) ratio | 13.5176% | 990 |
| Tier 1 risk-based capital ratio | 27.4603% | 613 |
| Total risk-based capital ratio | 28.7247% | 600 |
| Memoranda: | ||
| Average total assets | $117,200,000 | 4,066 |
| Average earning assets | $112,908,750 | 3,974 |
| Average equity | $15,931,500 | 3,731 |
| Average total loans | $86,194,750 | 3,676 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6604% | 4,411 |
| Cost of funding earning assets | 0.8947% | 301 |
| Net interest margin | 2.7658% | 5,487 |
| Noninterest income to average assets | 0.0428% | 5,928 |
| Noninterest expense to average assets | 2.2001% | 4,846 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.3065% | 5,306 |
| Return on assets (ROA) | 0.3065% | 5,394 |
| Pretax return on assets | 0.5051% | 5,116 |
| Return on Equity (ROE) | 2.2552% | 5,449 |
| Retained earnings to average equity (ytd only) | 2.2552% | 4,440 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.3291% | 1,347 |
| Assets per employee ($millions) | 8.4549% | 488 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3121% | 2,726 |
| Loan loss allowance to noncurrent loans | 183.6601% | 2,464 |
| Noncurrent assets plus other real estate owned to assets | 1.3331% | 1,504 |
| Noncurrent loans to loans | 0.7144% | 2,939 |
| Net loans and leases to total assets | 71.4207% | 2,258 |
| Net loans and leases to deposits | 91.7626% | 1,545 |
| Net loans and leases to core deposits | 94.7949% | 2,083 |
| Total domestic deposits to total assets | 77.8320% | 5,030 |
| Equity capital to assets | 13.5162% | 1,230 |
| Core capital (leverage) ratio | 13.4571% | 1,000 |
| Tier 1 risk-based capital ratio | 27.1562% | 638 |
| Total risk-based capital ratio | 28.4245% | 620 |
| Memoranda: | ||
| Average total assets | $116,811,000 | 4,109 |
| Average earning assets | $112,445,330 | 4,005 |
| Average equity | $15,874,330 | 3,752 |
| Average total loans | $86,793,000 | 3,673 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6991% | 4,327 |
| Cost of funding earning assets | 0.8746% | 328 |
| Net interest margin | 2.8245% | 5,432 |
| Noninterest income to average assets | 0.0310% | 6,017 |
| Noninterest expense to average assets | 2.2856% | 4,701 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.2792% | 5,359 |
| Return on assets (ROA) | 0.2792% | 5,436 |
| Pretax return on assets | 0.4619% | 5,177 |
| Return on Equity (ROE) | 2.0491% | 5,490 |
| Retained earnings to average equity (ytd only) | 2.0491% | 4,439 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.1870% | 1,239 |
| Assets per employee ($millions) | 8.3678% | 500 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2879% | 2,973 |
| Loan loss allowance to noncurrent loans | 176.4521% | 2,455 |
| Noncurrent assets plus other real estate owned to assets | 1.4392% | 1,441 |
| Noncurrent loans to loans | 0.7299% | 3,014 |
| Net loans and leases to total assets | 73.5414% | 1,808 |
| Net loans and leases to deposits | 94.7080% | 1,073 |
| Net loans and leases to core deposits | 97.5740% | 1,666 |
| Total domestic deposits to total assets | 77.6507% | 5,198 |
| Equity capital to assets | 13.5349% | 1,171 |
| Core capital (leverage) ratio | 13.7067% | 905 |
| Tier 1 risk-based capital ratio | 26.5322% | 697 |
| Total risk-based capital ratio | 27.7925% | 688 |
| Memoranda: | ||
| Average total assets | $116,032,000 | 4,152 |
| Average earning assets | $111,595,500 | 4,058 |
| Average equity | $15,812,000 | 3,759 |
| Average total loans | $87,357,500 | 3,669 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8476% | 3,888 |
| Cost of funding earning assets | 0.8356% | 413 |
| Net interest margin | 3.0120% | 5,111 |
| Noninterest income to average assets | 0.0446% | 6,022 |
| Noninterest expense to average assets | 2.2185% | 5,011 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.4290% | 4,956 |
| Return on assets (ROA) | 0.4290% | 5,034 |
| Pretax return on assets | 0.7077% | 4,515 |
| Return on Equity (ROE) | 3.1274% | 5,264 |
| Retained earnings to average equity (ytd only) | 3.1274% | 3,833 |
| Net charge-offs to loans | -0.0157% | 5,214 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8137% | 2,303 |
| Assets per employee ($millions) | 8.2385% | 509 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2855% | 2,993 |
| Loan loss allowance to noncurrent loans | 171.3415% | 2,544 |
| Noncurrent assets plus other real estate owned to assets | 1.4783% | 1,378 |
| Noncurrent loans to loans | 0.7502% | 2,931 |
| Net loans and leases to total assets | 74.8351% | 1,595 |
| Net loans and leases to deposits | 97.1698% | 892 |
| Net loans and leases to core deposits | 98.9647% | 1,596 |
| Total domestic deposits to total assets | 77.0147% | 5,313 |
| Equity capital to assets | 13.8331% | 990 |
| Core capital (leverage) ratio | 14.1683% | 781 |
| Tier 1 risk-based capital ratio | 26.9581% | 667 |
| Total risk-based capital ratio | 28.2211% | 650 |
| Memoranda: | ||
| Average total assets | $114,448,000 | 4,169 |
| Average earning assets | $109,495,800 | 4,074 |
| Average equity | $15,699,800 | 3,728 |
| Average total loans | $89,174,400 | 3,607 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8190% | 4,030 |
| Cost of funding earning assets | 0.8297% | 425 |
| Net interest margin | 2.9893% | 5,222 |
| Noninterest income to average assets | 0.0490% | 6,100 |
| Noninterest expense to average assets | 2.2225% | 4,985 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.4155% | 5,105 |
| Return on assets (ROA) | 0.4155% | 5,193 |
| Pretax return on assets | 0.6863% | 4,726 |
| Return on Equity (ROE) | 3.0356% | 5,375 |
| Retained earnings to average equity (ytd only) | 3.0356% | 4,282 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4045% | 2,181 |
| Assets per employee ($millions) | 8.0220% | 536 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2713% | 3,252 |
| Loan loss allowance to noncurrent loans | 137.5465% | 2,987 |
| Noncurrent assets plus other real estate owned to assets | 1.6526% | 1,326 |
| Noncurrent loans to loans | 0.9243% | 2,668 |
| Net loans and leases to total assets | 76.7568% | 1,282 |
| Net loans and leases to deposits | 100.3562% | 638 |
| Net loans and leases to core deposits | 101.9695% | 1,384 |
| Total domestic deposits to total assets | 76.4843% | 5,418 |
| Equity capital to assets | 14.1290% | 973 |
| Core capital (leverage) ratio | 14.1654% | 821 |
| Tier 1 risk-based capital ratio | 26.8079% | 706 |
| Total risk-based capital ratio | 28.0778% | 681 |
| Memoranda: | ||
| Average total assets | $114,225,250 | 4,211 |
| Average earning assets | $109,275,750 | 4,126 |
| Average equity | $15,636,000 | 3,775 |
| Average total loans | $89,608,500 | 3,633 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8229% | 3,983 |
| Cost of funding earning assets | 0.8224% | 443 |
| Net interest margin | 3.0004% | 5,218 |
| Noninterest income to average assets | -0.0122% | 6,278 |
| Noninterest expense to average assets | 2.2235% | 5,042 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.3848% | 5,185 |
| Return on assets (ROA) | 0.3848% | 5,296 |
| Pretax return on assets | 0.6355% | 4,877 |
| Return on Equity (ROE) | 2.8409% | 5,457 |
| Retained earnings to average equity (ytd only) | 2.8409% | 4,235 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7710% | 2,101 |
| Assets per employee ($millions) | 8.1345% | 497 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2476% | 3,522 |
| Loan loss allowance to noncurrent loans | 132.7751% | 3,061 |
| Noncurrent assets plus other real estate owned to assets | 1.6552% | 1,449 |
| Noncurrent loans to loans | 0.9396% | 2,779 |
| Net loans and leases to total assets | 77.1529% | 1,189 |
| Net loans and leases to deposits | 100.2991% | 635 |
| Net loans and leases to core deposits | 102.3519% | 1,302 |
| Total domestic deposits to total assets | 76.9228% | 5,464 |
| Equity capital to assets | 13.8142% | 1,048 |
| Core capital (leverage) ratio | 13.8298% | 895 |
| Tier 1 risk-based capital ratio | 26.1844% | 763 |
| Total risk-based capital ratio | 27.4617% | 746 |
| Memoranda: | ||
| Average total assets | $114,864,330 | 4,234 |
| Average earning assets | $109,917,000 | 4,157 |
| Average equity | $15,558,670 | 3,802 |
| Average total loans | $90,373,330 | 3,628 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8393% | 3,863 |
| Cost of funding earning assets | 0.8150% | 461 |
| Net interest margin | 3.0244% | 5,139 |
| Noninterest income to average assets | 0.0624% | 6,196 |
| Noninterest expense to average assets | 2.2366% | 5,055 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.4369% | 4,921 |
| Return on assets (ROA) | 0.4369% | 5,042 |
| Pretax return on assets | 0.7213% | 4,533 |
| Return on Equity (ROE) | 3.2575% | 5,279 |
| Retained earnings to average equity (ytd only) | 3.2575% | 4,033 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6155% | 2,565 |
| Assets per employee ($millions) | 8.2121% | 499 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2289% | 3,790 |
| Loan loss allowance to noncurrent loans | 129.0698% | 3,097 |
| Noncurrent assets plus other real estate owned to assets | 1.6604% | 1,520 |
| Noncurrent loans to loans | 0.9521% | 2,872 |
| Net loans and leases to total assets | 77.5983% | 982 |
| Net loans and leases to deposits | 100.5330% | 534 |
| Net loans and leases to core deposits | 102.5495% | 1,141 |
| Total domestic deposits to total assets | 77.1869% | 5,584 |
| Equity capital to assets | 13.5254% | 1,164 |
| Core capital (leverage) ratio | 13.6182% | 933 |
| Tier 1 risk-based capital ratio | 25.9665% | 788 |
| Total risk-based capital ratio | 27.2441% | 769 |
| Memoranda: | ||
| Average total assets | $115,355,000 | 4,262 |
| Average earning assets | $110,436,000 | 4,170 |
| Average equity | $15,472,000 | 3,838 |
| Average total loans | $91,073,000 | 3,626 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9537% | 3,907 |
| Cost of funding earning assets | 0.8159% | 598 |
| Net interest margin | 3.1378% | 5,104 |
| Noninterest income to average assets | -0.2165% | 6,476 |
| Noninterest expense to average assets | 3.2265% | 2,141 |
| Loan and lease loss provision to assets | 0.1146% | 2,257 |
| Net operating income to assets | -0.3608% | 6,258 |
| Return on assets (ROA) | -0.3608% | 6,255 |
| Pretax return on assets | -0.5509% | 6,300 |
| Return on Equity (ROE) | -2.7444% | 6,236 |
| Retained earnings to average equity (ytd only) | -2.7444% | 6,068 |
| Net charge-offs to loans | 0.1061% | 2,993 |
| Credit loss provision to net charge-offs | 135.0000% | 1,747 |
| Earnings coverage of net charge-offs (x) | -5.1400% | 4,890 |
| Efficiency ratio | 115.6374% | 153 |
| Assets per employee ($millions) | 8.9032% | 353 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2089% | 3,943 |
| Loan loss allowance to noncurrent loans | 125.1409% | 3,211 |
| Noncurrent assets plus other real estate owned to assets | 1.8550% | 1,398 |
| Noncurrent loans to loans | 0.9660% | 2,909 |
| Net loans and leases to total assets | 78.3750% | 954 |
| Net loans and leases to deposits | 100.5008% | 597 |
| Net loans and leases to core deposits | 102.4821% | 1,208 |
| Total domestic deposits to total assets | 77.9845% | 5,442 |
| Equity capital to assets | 13.3004% | 1,228 |
| Core capital (leverage) ratio | 13.4965% | 970 |
| Tier 1 risk-based capital ratio | 25.1150% | 831 |
| Total risk-based capital ratio | 26.3899% | 811 |
| Memoranda: | ||
| Average total assets | $117,807,000 | 4,230 |
| Average earning assets | $112,882,600 | 4,116 |
| Average equity | $15,486,000 | 3,748 |
| Average total loans | $94,211,000 | 3,544 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9725% | 3,864 |
| Cost of funding earning assets | 0.8135% | 643 |
| Net interest margin | 3.1589% | 5,093 |
| Noninterest income to average assets | -0.1994% | 6,556 |
| Noninterest expense to average assets | 3.5980% | 1,301 |
| Loan and lease loss provision to assets | 0.1296% | 1,935 |
| Net operating income to assets | -0.5905% | 6,389 |
| Return on assets (ROA) | -0.5905% | 6,389 |
| Pretax return on assets | -0.8992% | 6,436 |
| Return on Equity (ROE) | -4.5048% | 6,355 |
| Retained earnings to average equity (ytd only) | -4.5048% | 6,235 |
| Net charge-offs to loans | 0.1434% | 2,362 |
| Credit loss provision to net charge-offs | 112.7451% | 2,007 |
| Earnings coverage of net charge-offs (x) | -6.6959% | 4,619 |
| Efficiency ratio | 127.2112% | 97 |
| Assets per employee ($millions) | 8.9180% | 350 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1741% | 4,362 |
| Loan loss allowance to noncurrent loans | 71.6261% | 4,434 |
| Noncurrent assets plus other real estate owned to assets | 2.0598% | 1,374 |
| Noncurrent loans to loans | 1.6392% | 1,988 |
| Net loans and leases to total assets | 78.9924% | 836 |
| Net loans and leases to deposits | 101.3266% | 533 |
| Net loans and leases to core deposits | 102.9498% | 1,154 |
| Total domestic deposits to total assets | 77.9581% | 5,545 |
| Equity capital to assets | 13.1885% | 1,337 |
| Core capital (leverage) ratio | 13.3878% | 1,035 |
| Tier 1 risk-based capital ratio | 24.9932% | 883 |
| Total risk-based capital ratio | 26.2508% | 870 |
| Memoranda: | ||
| Average total assets | $118,323,500 | 4,253 |
| Average earning assets | $113,410,500 | 4,139 |
| Average equity | $15,509,000 | 3,771 |
| Average total loans | $94,808,250 | 3,565 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8423% | 4,359 |
| Cost of funding earning assets | 0.8081% | 674 |
| Net interest margin | 3.0342% | 5,430 |
| Noninterest income to average assets | -0.0772% | 6,596 |
| Noninterest expense to average assets | 3.8381% | 924 |
| Loan and lease loss provision to assets | 0.0839% | 2,624 |
| Net operating income to assets | -0.7186% | 6,490 |
| Return on assets (ROA) | -0.7186% | 6,490 |
| Pretax return on assets | -1.0930% | 6,521 |
| Return on Equity (ROE) | -5.4935% | 6,440 |
| Retained earnings to average equity (ytd only) | -5.4935% | 6,264 |
| Net charge-offs to loans | 0.1403% | 2,265 |
| Credit loss provision to net charge-offs | 74.6269% | 2,392 |
| Earnings coverage of net charge-offs (x) | -8.9701% | 4,308 |
| Efficiency ratio | 135.6677% | 80 |
| Assets per employee ($millions) | 9.0685% | 323 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1187% | 4,818 |
| Loan loss allowance to noncurrent loans | 41.7852% | 5,447 |
| Noncurrent assets plus other real estate owned to assets | 2.5278% | 1,112 |
| Noncurrent loans to loans | 2.6772% | 1,132 |
| Net loans and leases to total assets | 79.3250% | 764 |
| Net loans and leases to deposits | 101.4581% | 483 |
| Net loans and leases to core deposits | 102.7400% | 1,097 |
| Total domestic deposits to total assets | 78.1849% | 5,602 |
| Equity capital to assets | 13.0638% | 1,341 |
| Core capital (leverage) ratio | 13.2478% | 1,064 |
| Tier 1 risk-based capital ratio | 24.5265% | 928 |
| Total risk-based capital ratio | 25.8095% | 906 |
| Memoranda: | ||
| Average total assets | $119,120,000 | 4,260 |
| Average earning assets | $114,098,330 | 4,146 |
| Average equity | $15,582,000 | 3,758 |
| Average total loans | $95,522,000 | 3,552 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8385% | 4,328 |
| Cost of funding earning assets | 0.8076% | 721 |
| Net interest margin | 3.0310% | 5,443 |
| Noninterest income to average assets | -0.1537% | 6,672 |
| Noninterest expense to average assets | 3.8919% | 872 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -0.6949% | 6,520 |
| Return on assets (ROA) | -0.6949% | 6,519 |
| Pretax return on assets | -1.1492% | 6,581 |
| Return on Equity (ROE) | -5.3087% | 6,477 |
| Retained earnings to average equity (ytd only) | -5.3087% | 6,143 |
| Net charge-offs to loans | 0.0208% | 3,164 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | -68.8000% | 3,643 |
| Efficiency ratio | 141.9001% | 83 |
| Assets per employee ($millions) | 9.9415% | 238 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1181% | 5,039 |
| Loan loss allowance to noncurrent loans | 37.7026% | 5,632 |
| Noncurrent assets plus other real estate owned to assets | 2.5751% | 1,224 |
| Noncurrent loans to loans | 2.9656% | 1,082 |
| Net loans and leases to total assets | 79.3190% | 624 |
| Net loans and leases to deposits | 101.4941% | 381 |
| Net loans and leases to core deposits | 102.4779% | 957 |
| Total domestic deposits to total assets | 78.1514% | 5,810 |
| Equity capital to assets | 13.0648% | 1,282 |
| Core capital (leverage) ratio | 13.2752% | 1,051 |
| Tier 1 risk-based capital ratio | 24.4466% | 943 |
| Total risk-based capital ratio | 25.7294% | 926 |
| Memoranda: | ||
| Average total assets | $119,734,500 | 4,282 |
| Average earning assets | $114,419,500 | 4,171 |
| Average equity | $15,672,500 | 3,754 |
| Average total loans | $95,995,500 | 3,557 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2897% | 3,004 |
| Cost of funding earning assets | 0.7085% | 1,751 |
| Net interest margin | 3.5812% | 3,545 |
| Noninterest income to average assets | 0.0257% | 6,601 |
| Noninterest expense to average assets | 2.4895% | 4,795 |
| Loan and lease loss provision to assets | 0.0417% | 4,279 |
| Net operating income to assets | 0.5323% | 4,588 |
| Return on assets (ROA) | 0.5323% | 4,714 |
| Pretax return on assets | 0.8801% | 3,848 |
| Return on Equity (ROE) | 3.8379% | 5,184 |
| Retained earnings to average equity (ytd only) | 3.8379% | 3,473 |
| Net charge-offs to loans | 0.0471% | 4,563 |
| Credit loss provision to net charge-offs | 106.8182% | 2,255 |
| Earnings coverage of net charge-offs (x) | 23.6136% | 1,404 |
| Efficiency ratio | 72.9779% | 3,292 |
| Assets per employee ($millions) | 12.0171% | 136 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1164% | 5,064 |
| Loan loss allowance to noncurrent loans | 39.7265% | 5,640 |
| Noncurrent assets plus other real estate owned to assets | 2.4898% | 1,382 |
| Noncurrent loans to loans | 2.8101% | 1,255 |
| Net loans and leases to total assets | 79.2371% | 677 |
| Net loans and leases to deposits | 101.3324% | 425 |
| Net loans and leases to core deposits | 101.7590% | 1,045 |
| Total domestic deposits to total assets | 78.1952% | 5,799 |
| Equity capital to assets | 13.1138% | 1,221 |
| Core capital (leverage) ratio | 13.3518% | 1,007 |
| Tier 1 risk-based capital ratio | 25.8124% | 786 |
| Total risk-based capital ratio | 27.0882% | 763 |
| Memoranda: | ||
| Average total assets | $112,712,000 | 4,443 |
| Average earning assets | $106,557,000 | 4,348 |
| Average equity | $15,633,600 | 3,757 |
| Average total loans | $93,479,600 | 3,614 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5096% | 2,192 |
| Cost of funding earning assets | 0.7341% | 1,716 |
| Net interest margin | 3.7756% | 2,730 |
| Noninterest income to average assets | 0.0277% | 6,681 |
| Noninterest expense to average assets | 1.9414% | 6,113 |
| Loan and lease loss provision to assets | 0.0565% | 3,924 |
| Net operating income to assets | 0.9490% | 2,598 |
| Return on assets (ROA) | 0.9490% | 2,702 |
| Pretax return on assets | 1.5685% | 1,420 |
| Return on Equity (ROE) | 6.7424% | 3,797 |
| Retained earnings to average equity (ytd only) | 6.7424% | 2,006 |
| Net charge-offs to loans | 0.0417% | 4,318 |
| Credit loss provision to net charge-offs | 162.0690% | 1,461 |
| Earnings coverage of net charge-offs (x) | 46.5811% | 905 |
| Efficiency ratio | 54.4351% | 6,067 |
| Assets per employee ($millions) | 13.7970% | 97 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1560% | 5,091 |
| Loan loss allowance to noncurrent loans | 38.8869% | 5,669 |
| Noncurrent assets plus other real estate owned to assets | 2.7986% | 1,337 |
| Noncurrent loans to loans | 2.9726% | 1,365 |
| Net loans and leases to total assets | 84.4423% | 220 |
| Net loans and leases to deposits | 98.9731% | 517 |
| Net loans and leases to core deposits | 99.3879% | 1,161 |
| Total domestic deposits to total assets | 85.3184% | 3,577 |
| Equity capital to assets | 14.4742% | 834 |
| Core capital (leverage) ratio | 14.7079% | 691 |
| Tier 1 risk-based capital ratio | 28.2601% | 614 |
| Total risk-based capital ratio | 29.5187% | 598 |
| Memoranda: | ||
| Average total assets | $110,847,250 | 4,519 |
| Average earning assets | $103,894,000 | 4,451 |
| Average equity | $15,602,250 | 3,813 |
| Average total loans | $92,775,750 | 3,649 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5725% | 1,934 |
| Cost of funding earning assets | 0.7695% | 1,589 |
| Net interest margin | 3.8030% | 2,547 |
| Noninterest income to average assets | 0.0108% | 6,771 |
| Noninterest expense to average assets | 1.7116% | 6,485 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.1207% | 1,861 |
| Return on assets (ROA) | 1.1207% | 1,976 |
| Pretax return on assets | 1.8522% | 819 |
| Return on Equity (ROE) | 8.0374% | 3,073 |
| Retained earnings to average equity (ytd only) | 8.0374% | 1,470 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.0283% | 6,532 |
| Assets per employee ($millions) | 12.4426% | 124 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1579% | 5,201 |
| Loan loss allowance to noncurrent loans | 37.8665% | 5,718 |
| Noncurrent assets plus other real estate owned to assets | 2.7701% | 1,498 |
| Noncurrent loans to loans | 3.0579% | 1,453 |
| Net loans and leases to total assets | 81.7160% | 375 |
| Net loans and leases to deposits | 95.1761% | 725 |
| Net loans and leases to core deposits | 95.5667% | 1,392 |
| Total domestic deposits to total assets | 85.8577% | 3,445 |
| Equity capital to assets | 14.1173% | 932 |
| Core capital (leverage) ratio | 14.3477% | 736 |
| Tier 1 risk-based capital ratio | 27.6969% | 649 |
| Total risk-based capital ratio | 28.9536% | 638 |
| Memoranda: | ||
| Average total assets | $111,004,330 | 4,557 |
| Average earning assets | $103,707,000 | 4,484 |
| Average equity | $15,477,670 | 3,861 |
| Average total loans | $92,269,670 | 3,670 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4183% | 2,456 |
| Cost of funding earning assets | 0.8160% | 1,438 |
| Net interest margin | 3.6022% | 3,254 |
| Noninterest income to average assets | 0.0109% | 6,827 |
| Noninterest expense to average assets | 1.7518% | 6,496 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.9555% | 2,419 |
| Return on assets (ROA) | 0.9555% | 2,557 |
| Pretax return on assets | 1.6143% | 1,273 |
| Return on Equity (ROE) | 6.8966% | 3,549 |
| Retained earnings to average equity (ytd only) | 6.8966% | 2,206 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.0430% | 6,377 |
| Assets per employee ($millions) | 12.3448% | 133 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1735% | 5,304 |
| Loan loss allowance to noncurrent loans | 50.4708% | 5,148 |
| Noncurrent assets plus other real estate owned to assets | 2.1557% | 2,175 |
| Noncurrent loans to loans | 2.3250% | 2,253 |
| Net loans and leases to total assets | 81.2588% | 327 |
| Net loans and leases to deposits | 94.5608% | 638 |
| Net loans and leases to core deposits | 94.9497% | 1,270 |
| Total domestic deposits to total assets | 85.9329% | 3,565 |
| Equity capital to assets | 13.9024% | 1,062 |
| Core capital (leverage) ratio | 14.1391% | 764 |
| Tier 1 risk-based capital ratio | 27.5061% | 670 |
| Total risk-based capital ratio | 28.7633% | 659 |
| Memoranda: | ||
| Average total assets | $110,515,000 | 4,604 |
| Average earning assets | $102,936,500 | 4,544 |
| Average equity | $15,312,000 | 3,944 |
| Average total loans | $92,114,500 | 3,693 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6683% | 2,717 |
| Cost of funding earning assets | 0.9649% | 1,555 |
| Net interest margin | 3.7034% | 3,626 |
| Noninterest income to average assets | 0.0208% | 6,777 |
| Noninterest expense to average assets | 1.5239% | 6,857 |
| Loan and lease loss provision to assets | 0.1736% | 3,449 |
| Net operating income to assets | 1.0965% | 1,945 |
| Return on assets (ROA) | 1.0965% | 2,130 |
| Pretax return on assets | 1.8108% | 901 |
| Return on Equity (ROE) | 8.0135% | 3,072 |
| Retained earnings to average equity (ytd only) | 8.0135% | 1,119 |
| Net charge-offs to loans | 0.1849% | 3,905 |
| Credit loss provision to net charge-offs | 113.5802% | 2,560 |
| Earnings coverage of net charge-offs (x) | 12.9815% | 1,875 |
| Efficiency ratio | 43.4373% | 6,864 |
| Assets per employee ($millions) | 13.7409% | 113 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1542% | 5,326 |
| Loan loss allowance to noncurrent loans | 50.4708% | 5,108 |
| Noncurrent assets plus other real estate owned to assets | 2.1787% | 2,254 |
| Noncurrent loans to loans | 2.2869% | 2,367 |
| Net loans and leases to total assets | 83.5136% | 247 |
| Net loans and leases to deposits | 96.9215% | 568 |
| Net loans and leases to core deposits | 97.6555% | 1,170 |
| Total domestic deposits to total assets | 86.1663% | 3,270 |
| Equity capital to assets | 13.8073% | 1,117 |
| Core capital (leverage) ratio | 14.0502% | 787 |
| Tier 1 risk-based capital ratio | 26.3243% | 744 |
| Total risk-based capital ratio | 27.5804% | 736 |
| Memoranda: | ||
| Average total assets | $105,975,000 | 4,683 |
| Average earning assets | $99,800,000 | 4,596 |
| Average equity | $14,500,600 | 4,063 |
| Average total loans | $87,606,400 | 3,807 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7445% | 2,605 |
| Cost of funding earning assets | 0.9890% | 1,632 |
| Net interest margin | 3.7555% | 3,523 |
| Noninterest income to average assets | 0.0216% | 6,886 |
| Noninterest expense to average assets | 1.2306% | 7,073 |
| Loan and lease loss provision to assets | 0.2337% | 2,708 |
| Net operating income to assets | 1.1887% | 1,778 |
| Return on assets (ROA) | 1.1887% | 1,959 |
| Pretax return on assets | 2.1018% | 571 |
| Return on Equity (ROE) | 8.7080% | 2,942 |
| Retained earnings to average equity (ytd only) | 8.7080% | 1,343 |
| Net charge-offs to loans | 0.2240% | 3,375 |
| Credit loss provision to net charge-offs | 126.8966% | 2,265 |
| Earnings coverage of net charge-offs (x) | 12.6827% | 1,984 |
| Efficiency ratio | 34.5085% | 7,087 |
| Assets per employee ($millions) | 15.2030% | 88 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2211% | 5,191 |
| Loan loss allowance to noncurrent loans | 48.6378% | 5,201 |
| Noncurrent assets plus other real estate owned to assets | 2.4300% | 2,182 |
| Noncurrent loans to loans | 2.5107% | 2,283 |
| Net loans and leases to total assets | 82.7750% | 295 |
| Net loans and leases to deposits | 96.1912% | 646 |
| Net loans and leases to core deposits | 97.4415% | 1,305 |
| Total domestic deposits to total assets | 86.0526% | 3,226 |
| Equity capital to assets | 13.6824% | 1,278 |
| Core capital (leverage) ratio | 13.9333% | 861 |
| Tier 1 risk-based capital ratio | 26.1217% | 813 |
| Total risk-based capital ratio | 27.3813% | 797 |
| Memoranda: | ||
| Average total assets | $104,987,000 | 4,752 |
| Average earning assets | $99,087,250 | 4,662 |
| Average equity | $14,331,250 | 4,136 |
| Average total loans | $86,289,000 | 3,882 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8920% | 2,141 |
| Cost of funding earning assets | 1.0051% | 1,736 |
| Net interest margin | 3.8868% | 2,965 |
| Noninterest income to average assets | 0.0096% | 6,969 |
| Noninterest expense to average assets | 1.1961% | 7,145 |
| Loan and lease loss provision to assets | 0.1780% | 3,314 |
| Net operating income to assets | 1.3587% | 1,287 |
| Return on assets (ROA) | 1.3587% | 1,445 |
| Pretax return on assets | 2.3060% | 406 |
| Return on Equity (ROE) | 9.9616% | 2,367 |
| Retained earnings to average equity (ytd only) | 9.9616% | 986 |
| Net charge-offs to loans | 0.2180% | 3,267 |
| Credit loss provision to net charge-offs | 100.0000% | 2,712 |
| Earnings coverage of net charge-offs (x) | 13.9570% | 1,747 |
| Efficiency ratio | 32.5013% | 7,158 |
| Assets per employee ($millions) | 15.1999% | 81 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1974% | 5,366 |
| Loan loss allowance to noncurrent loans | 41.2495% | 5,592 |
| Noncurrent assets plus other real estate owned to assets | 2.6730% | 2,068 |
| Noncurrent loans to loans | 2.9028% | 2,058 |
| Net loans and leases to total assets | 79.8786% | 526 |
| Net loans and leases to deposits | 92.4146% | 900 |
| Net loans and leases to core deposits | 93.6106% | 1,646 |
| Total domestic deposits to total assets | 86.4350% | 3,113 |
| Equity capital to assets | 13.4729% | 1,315 |
| Core capital (leverage) ratio | 13.7238% | 892 |
| Tier 1 risk-based capital ratio | 26.2230% | 786 |
| Total risk-based capital ratio | 27.4801% | 772 |
| Memoranda: | ||
| Average total assets | $104,509,000 | 4,789 |
| Average earning assets | $98,692,000 | 4,701 |
| Average equity | $14,254,670 | 4,146 |
| Average total loans | $85,325,670 | 3,936 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0806% | 1,634 |
| Cost of funding earning assets | 1.0096% | 1,921 |
| Net interest margin | 4.0710% | 2,212 |
| Noninterest income to average assets | 0.0077% | 7,078 |
| Noninterest expense to average assets | 1.1124% | 7,233 |
| Loan and lease loss provision to assets | 0.2820% | 2,213 |
| Net operating income to assets | 1.4291% | 1,169 |
| Return on assets (ROA) | 1.4291% | 1,313 |
| Pretax return on assets | 2.4758% | 343 |
| Return on Equity (ROE) | 10.4119% | 2,262 |
| Retained earnings to average equity (ytd only) | 10.4119% | 1,175 |
| Net charge-offs to loans | 0.4378% | 2,000 |
| Credit loss provision to net charge-offs | 78.4946% | 2,751 |
| Earnings coverage of net charge-offs (x) | 7.6774% | 2,050 |
| Efficiency ratio | 28.7425% | 7,240 |
| Assets per employee ($millions) | 14.8930% | 93 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2135% | 5,426 |
| Loan loss allowance to noncurrent loans | 45.8185% | 5,313 |
| Noncurrent assets plus other real estate owned to assets | 2.4892% | 2,373 |
| Noncurrent loans to loans | 2.6485% | 2,456 |
| Net loans and leases to total assets | 80.4290% | 369 |
| Net loans and leases to deposits | 93.1945% | 720 |
| Net loans and leases to core deposits | 94.4234% | 1,429 |
| Total domestic deposits to total assets | 86.3023% | 3,358 |
| Equity capital to assets | 13.4243% | 1,264 |
| Core capital (leverage) ratio | 13.6804% | 882 |
| Tier 1 risk-based capital ratio | 26.8876% | 743 |
| Total risk-based capital ratio | 28.1451% | 727 |
| Memoranda: | ||
| Average total assets | $103,564,000 | 4,848 |
| Average earning assets | $98,257,000 | 4,738 |
| Average equity | $14,214,500 | 4,161 |
| Average total loans | $84,978,500 | 3,974 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9753% | 2,993 |
| Cost of funding earning assets | 1.1322% | 2,453 |
| Net interest margin | 3.8432% | 3,608 |
| Noninterest income to average assets | 0.0102% | 6,952 |
| Noninterest expense to average assets | 1.2033% | 7,267 |
| Loan and lease loss provision to assets | 0.0102% | 6,407 |
| Net operating income to assets | 1.3081% | 1,225 |
| Return on assets (ROA) | 1.3081% | 1,334 |
| Pretax return on assets | 2.4666% | 216 |
| Return on Equity (ROE) | 9.2917% | 2,329 |
| Retained earnings to average equity (ytd only) | 9.2917% | 727 |
| Net charge-offs to loans | 0.0121% | 6,260 |
| Credit loss provision to net charge-offs | 100.0000% | 3,501 |
| Earnings coverage of net charge-offs (x) | 243.3000% | 139 |
| Efficiency ratio | 32.6971% | 7,279 |
| Assets per employee ($millions) | 14.6967% | 96 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2938% | 7,224 |
| Loan loss allowance to noncurrent loans | 17.1468% | 6,690 |
| Noncurrent assets plus other real estate owned to assets | 1.7545% | 3,317 |
| Noncurrent loans to loans | 1.7137% | 3,591 |
| Net loans and leases to total assets | 82.4567% | 311 |
| Net loans and leases to deposits | 96.0256% | 670 |
| Net loans and leases to core deposits | 97.3122% | 1,390 |
| Total domestic deposits to total assets | 85.8695% | 3,388 |
| Equity capital to assets | 14.0303% | 1,047 |
| Core capital (leverage) ratio | 14.2529% | 766 |
| Tier 1 risk-based capital ratio | 27.4032% | 672 |
| Total risk-based capital ratio | 27.8692% | 717 |
| Memoranda: | ||
| Average total assets | $98,232,400 | 4,940 |
| Average earning assets | $93,803,200 | 4,814 |
| Average equity | $13,829,600 | 4,149 |
| Average total loans | $82,451,400 | 4,069 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0623% | 2,792 |
| Cost of funding earning assets | 1.1476% | 2,647 |
| Net interest margin | 3.9147% | 3,307 |
| Noninterest income to average assets | 0.0110% | 7,073 |
| Noninterest expense to average assets | 1.2238% | 7,336 |
| Loan and lease loss provision to assets | 0.0137% | 6,262 |
| Net operating income to assets | 1.2760% | 1,442 |
| Return on assets (ROA) | 1.2760% | 1,546 |
| Pretax return on assets | 2.5122% | 242 |
| Return on Equity (ROE) | 9.0554% | 2,572 |
| Retained earnings to average equity (ytd only) | 9.0554% | 1,127 |
| Net charge-offs to loans | 0.0163% | 5,925 |
| Credit loss provision to net charge-offs | 100.0000% | 3,366 |
| Earnings coverage of net charge-offs (x) | 183.9415% | 209 |
| Efficiency ratio | 32.6374% | 7,343 |
| Assets per employee ($millions) | 14.2319% | 104 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2915% | 7,292 |
| Loan loss allowance to noncurrent loans | 17.1468% | 6,767 |
| Noncurrent assets plus other real estate owned to assets | 1.8118% | 3,378 |
| Noncurrent loans to loans | 1.6999% | 3,758 |
| Net loans and leases to total assets | 85.8416% | 135 |
| Net loans and leases to deposits | 100.3026% | 459 |
| Net loans and leases to core deposits | 101.1389% | 1,147 |
| Total domestic deposits to total assets | 85.5826% | 3,450 |
| Equity capital to assets | 14.1514% | 1,100 |
| Core capital (leverage) ratio | 14.3808% | 799 |
| Tier 1 risk-based capital ratio | 27.3557% | 708 |
| Total risk-based capital ratio | 27.8317% | 758 |
| Memoranda: | ||
| Average total assets | $97,071,250 | 5,008 |
| Average earning assets | $92,708,750 | 4,876 |
| Average equity | $13,678,500 | 4,195 |
| Average total loans | $81,794,500 | 4,125 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0365% | 2,989 |
| Cost of funding earning assets | 1.2041% | 2,553 |
| Net interest margin | 3.8323% | 3,634 |
| Noninterest income to average assets | 0.0104% | 7,165 |
| Noninterest expense to average assets | 1.2388% | 7,412 |
| Loan and lease loss provision to assets | 0.0208% | 6,028 |
| Net operating income to assets | 1.0705% | 1,970 |
| Return on assets (ROA) | 1.0705% | 2,056 |
| Pretax return on assets | 2.4090% | 283 |
| Return on Equity (ROE) | 7.6078% | 3,138 |
| Retained earnings to average equity (ytd only) | 7.6078% | 1,614 |
| Net charge-offs to loans | 0.0249% | 5,481 |
| Credit loss provision to net charge-offs | 100.0000% | 3,113 |
| Earnings coverage of net charge-offs (x) | 116.9000% | 302 |
| Efficiency ratio | 33.7677% | 7,411 |
| Assets per employee ($millions) | 13.7759% | 115 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3014% | 7,348 |
| Loan loss allowance to noncurrent loans | 44.0141% | 5,387 |
| Noncurrent assets plus other real estate owned to assets | 0.9489% | 4,965 |
| Noncurrent loans to loans | 0.6848% | 5,537 |
| Net loans and leases to total assets | 85.7525% | 149 |
| Net loans and leases to deposits | 100.1065% | 489 |
| Net loans and leases to core deposits | 100.5765% | 1,297 |
| Total domestic deposits to total assets | 85.6613% | 3,514 |
| Equity capital to assets | 14.2599% | 1,010 |
| Core capital (leverage) ratio | 14.4852% | 763 |
| Tier 1 risk-based capital ratio | 27.1667% | 718 |
| Total risk-based capital ratio | 27.6517% | 760 |
| Memoranda: | ||
| Average total assets | $96,220,670 | 5,067 |
| Average earning assets | $91,850,000 | 4,941 |
| Average equity | $13,538,670 | 4,214 |
| Average total loans | $80,470,000 | 4,196 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0327% | 2,943 |
| Cost of funding earning assets | 1.2396% | 2,570 |
| Net interest margin | 3.7931% | 3,649 |
| Noninterest income to average assets | 0.0083% | 7,277 |
| Noninterest expense to average assets | 1.1986% | 7,488 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.6189% | 662 |
| Return on assets (ROA) | 1.6189% | 699 |
| Pretax return on assets | 2.4138% | 281 |
| Return on Equity (ROE) | 11.5838% | 1,579 |
| Retained earnings to average equity (ytd only) | 11.5838% | 802 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 33.1797% | 7,474 |
| Assets per employee ($millions) | 13.8040% | 114 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3120% | 7,399 |
| Loan loss allowance to noncurrent loans | 44.0141% | 5,363 |
| Noncurrent assets plus other real estate owned to assets | 0.9562% | 4,986 |
| Noncurrent loans to loans | 0.7088% | 5,596 |
| Net loans and leases to total assets | 82.6727% | 295 |
| Net loans and leases to deposits | 96.5716% | 656 |
| Net loans and leases to core deposits | 97.0220% | 1,594 |
| Total domestic deposits to total assets | 85.6077% | 3,729 |
| Equity capital to assets | 14.1025% | 979 |
| Core capital (leverage) ratio | 14.3277% | 771 |
| Tier 1 risk-based capital ratio | 27.6409% | 656 |
| Total risk-based capital ratio | 28.1388% | 700 |
| Memoranda: | ||
| Average total assets | $96,115,500 | 5,105 |
| Average earning assets | $91,323,000 | 4,995 |
| Average equity | $13,432,500 | 4,233 |
| Average total loans | $79,234,000 | 4,284 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2004% | 3,610 |
| Cost of funding earning assets | 1.5598% | 2,299 |
| Net interest margin | 3.6406% | 4,617 |
| Noninterest income to average assets | 0.0109% | 7,246 |
| Noninterest expense to average assets | 1.2063% | 7,547 |
| Loan and lease loss provision to assets | 0.1546% | 5,660 |
| Net operating income to assets | 1.2477% | 1,300 |
| Return on assets (ROA) | 1.2477% | 1,370 |
| Pretax return on assets | 2.1186% | 378 |
| Return on Equity (ROE) | 9.0334% | 2,274 |
| Retained earnings to average equity (ytd only) | 9.0334% | 692 |
| Net charge-offs to loans | 0.0643% | 6,150 |
| Credit loss provision to net charge-offs | 295.8333% | 908 |
| Earnings coverage of net charge-offs (x) | 43.5000% | 535 |
| Efficiency ratio | 34.6683% | 7,553 |
| Assets per employee ($millions) | 13.6576% | 119 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3192% | 7,477 |
| Loan loss allowance to noncurrent loans | 44.0141% | 5,386 |
| Noncurrent assets plus other real estate owned to assets | 0.9665% | 5,074 |
| Noncurrent loans to loans | 0.7251% | 5,598 |
| Net loans and leases to total assets | 81.6742% | 477 |
| Net loans and leases to deposits | 94.8899% | 971 |
| Net loans and leases to core deposits | 95.3336% | 2,083 |
| Total domestic deposits to total assets | 86.0726% | 3,322 |
| Equity capital to assets | 13.8468% | 1,083 |
| Core capital (leverage) ratio | 14.0751% | 830 |
| Tier 1 risk-based capital ratio | 27.6753% | 638 |
| Total risk-based capital ratio | 28.1881% | 668 |
| Memoranda: | ||
| Average total assets | $91,852,600 | 5,228 |
| Average earning assets | $87,512,400 | 5,098 |
| Average equity | $12,686,200 | 4,431 |
| Average total loans | $74,655,200 | 4,499 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2391% | 3,639 |
| Cost of funding earning assets | 1.6165% | 2,297 |
| Net interest margin | 3.6226% | 4,769 |
| Noninterest income to average assets | 0.0103% | 7,412 |
| Noninterest expense to average assets | 1.2114% | 7,660 |
| Loan and lease loss provision to assets | 0.1305% | 5,723 |
| Net operating income to assets | 1.3052% | 1,328 |
| Return on assets (ROA) | 1.3052% | 1,395 |
| Pretax return on assets | 2.1191% | 482 |
| Return on Equity (ROE) | 9.4566% | 2,333 |
| Retained earnings to average equity (ytd only) | 9.4566% | 921 |
| Net charge-offs to loans | 0.0868% | 5,666 |
| Credit loss provision to net charge-offs | 185.4167% | 1,948 |
| Earnings coverage of net charge-offs (x) | 31.9575% | 840 |
| Efficiency ratio | 35.0000% | 7,641 |
| Assets per employee ($millions) | 13.4696% | 128 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2572% | 7,615 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3776% | 6,463 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 81.0366% | 617 |
| Net loans and leases to deposits | 94.3389% | 1,165 |
| Net loans and leases to core deposits | 95.1401% | 2,366 |
| Total domestic deposits to total assets | 85.8994% | 3,126 |
| Equity capital to assets | 13.7665% | 1,252 |
| Core capital (leverage) ratio | 13.9982% | 920 |
| Tier 1 risk-based capital ratio | 27.4872% | 658 |
| Total risk-based capital ratio | 27.8964% | 702 |
| Memoranda: | ||
| Average total assets | $90,915,000 | 5,326 |
| Average earning assets | $86,602,750 | 5,187 |
| Average equity | $12,548,250 | 4,537 |
| Average total loans | $73,735,750 | 4,612 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2622% | 3,641 |
| Cost of funding earning assets | 1.6809% | 2,218 |
| Net interest margin | 3.5813% | 4,895 |
| Noninterest income to average assets | 0.0089% | 7,497 |
| Noninterest expense to average assets | 1.2563% | 7,718 |
| Loan and lease loss provision to assets | 0.0869% | 6,055 |
| Net operating income to assets | 1.2251% | 1,497 |
| Return on assets (ROA) | 1.2251% | 1,560 |
| Pretax return on assets | 2.0826% | 505 |
| Return on Equity (ROE) | 8.8679% | 2,520 |
| Retained earnings to average equity (ytd only) | 8.8679% | 1,146 |
| Net charge-offs to loans | 0.0797% | 5,341 |
| Credit loss provision to net charge-offs | 134.4828% | 2,980 |
| Earnings coverage of net charge-offs (x) | 33.5862% | 838 |
| Efficiency ratio | 36.6710% | 7,688 |
| Assets per employee ($millions) | 12.9961% | 134 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2230% | 7,698 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4122% | 6,419 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 81.6473% | 577 |
| Net loans and leases to deposits | 94.9287% | 1,159 |
| Net loans and leases to core deposits | 96.1378% | 2,424 |
| Total domestic deposits to total assets | 86.0090% | 3,080 |
| Equity capital to assets | 13.8953% | 1,209 |
| Core capital (leverage) ratio | 14.1341% | 899 |
| Tier 1 risk-based capital ratio | 28.0213% | 628 |
| Total risk-based capital ratio | 28.3842% | 676 |
| Memoranda: | ||
| Average total assets | $89,791,000 | 5,398 |
| Average earning assets | $85,667,670 | 5,247 |
| Average equity | $12,404,330 | 4,571 |
| Average total loans | $72,779,670 | 4,685 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3841% | 3,119 |
| Cost of funding earning assets | 1.7916% | 1,910 |
| Net interest margin | 3.5925% | 4,765 |
| Noninterest income to average assets | 0.0135% | 7,615 |
| Noninterest expense to average assets | 1.4126% | 7,755 |
| Loan and lease loss provision to assets | 0.1749% | 4,769 |
| Net operating income to assets | 1.3004% | 1,297 |
| Return on assets (ROA) | 1.3004% | 1,365 |
| Pretax return on assets | 1.8610% | 792 |
| Return on Equity (ROE) | 9.4416% | 2,324 |
| Retained earnings to average equity (ytd only) | 9.4416% | 1,290 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.9623% | 7,704 |
| Assets per employee ($millions) | 12.7616% | 145 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2677% | 7,774 |
| Loan loss allowance to noncurrent loans | 32.5543% | 6,238 |
| Noncurrent assets plus other real estate owned to assets | 0.6705% | 5,840 |
| Noncurrent loans to loans | 0.8224% | 5,667 |
| Net loans and leases to total assets | 81.3156% | 670 |
| Net loans and leases to deposits | 94.8006% | 1,256 |
| Net loans and leases to core deposits | 96.0300% | 2,589 |
| Total domestic deposits to total assets | 85.7754% | 3,274 |
| Equity capital to assets | 13.8597% | 1,188 |
| Core capital (leverage) ratio | 14.1030% | 935 |
| Tier 1 risk-based capital ratio | 27.6582% | 660 |
| Total risk-based capital ratio | 28.0873% | 704 |
| Memoranda: | ||
| Average total assets | $89,200,000 | 5,478 |
| Average earning assets | $85,288,500 | 5,331 |
| Average equity | $12,286,000 | 4,640 |
| Average total loans | $71,948,000 | 4,786 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2511% | 5,408 |
| Cost of funding earning assets | 2.2865% | 1,709 |
| Net interest margin | 2.9646% | 6,727 |
| Noninterest income to average assets | 0.0141% | 7,641 |
| Noninterest expense to average assets | 1.3062% | 7,870 |
| Loan and lease loss provision to assets | 0.0920% | 6,681 |
| Net operating income to assets | 1.0033% | 1,829 |
| Return on assets (ROA) | 1.0033% | 1,875 |
| Pretax return on assets | 1.4713% | 1,260 |
| Return on Equity (ROE) | 7.2412% | 2,697 |
| Retained earnings to average equity (ytd only) | 7.2412% | 890 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.5218% | 7,733 |
| Assets per employee ($millions) | 12.7241% | 151 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2195% | 7,876 |
| Loan loss allowance to noncurrent loans | 26.0434% | 6,731 |
| Noncurrent assets plus other real estate owned to assets | 0.6725% | 5,785 |
| Noncurrent loans to loans | 0.8429% | 5,605 |
| Net loans and leases to total assets | 79.6068% | 1,065 |
| Net loans and leases to deposits | 92.3531% | 1,837 |
| Net loans and leases to core deposits | 106.2009% | 3,308 |
| Total domestic deposits to total assets | 86.1983% | 2,908 |
| Equity capital to assets | 13.6871% | 1,257 |
| Core capital (leverage) ratio | 13.9191% | 1,000 |
| Tier 1 risk-based capital ratio | 27.6146% | 664 |
| Total risk-based capital ratio | 27.9678% | 702 |
| Memoranda: | ||
| Average total assets | $84,823,000 | 5,568 |
| Average earning assets | $81,697,400 | 5,403 |
| Average equity | $11,752,200 | 4,802 |
| Average total loans | $66,210,600 | 5,010 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2605% | 5,630 |
| Cost of funding earning assets | 2.3779% | 1,707 |
| Net interest margin | 2.8825% | 6,891 |
| Noninterest income to average assets | 0.0143% | 7,789 |
| Noninterest expense to average assets | 1.3466% | 7,940 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.9821% | 2,118 |
| Return on assets (ROA) | 0.9821% | 2,180 |
| Pretax return on assets | 1.4501% | 1,560 |
| Return on Equity (ROE) | 7.0659% | 3,045 |
| Retained earnings to average equity (ytd only) | 7.0659% | 1,478 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.1503% | 7,658 |
| Assets per employee ($millions) | 12.4563% | 161 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1105% | 7,999 |
| Loan loss allowance to noncurrent loans | 13.0217% | 7,381 |
| Noncurrent assets plus other real estate owned to assets | 0.6870% | 5,769 |
| Noncurrent loans to loans | 0.8487% | 5,601 |
| Net loans and leases to total assets | 80.8576% | 1,006 |
| Net loans and leases to deposits | 94.2402% | 1,848 |
| Net loans and leases to core deposits | 107.7929% | 3,495 |
| Total domestic deposits to total assets | 85.7995% | 2,804 |
| Equity capital to assets | 13.7177% | 1,410 |
| Core capital (leverage) ratio | 13.9516% | 1,106 |
| Tier 1 risk-based capital ratio | 27.9437% | 689 |
| Total risk-based capital ratio | 28.1339% | 737 |
| Memoranda: | ||
| Average total assets | $83,761,500 | 5,626 |
| Average earning assets | $80,852,500 | 5,465 |
| Average equity | $11,642,500 | 4,887 |
| Average total loans | $64,998,000 | 5,108 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3031% | 5,647 |
| Cost of funding earning assets | 2.4960% | 1,630 |
| Net interest margin | 2.8071% | 7,001 |
| Noninterest income to average assets | 0.0121% | 7,903 |
| Noninterest expense to average assets | 1.2516% | 8,069 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.0095% | 2,070 |
| Return on assets (ROA) | 1.0095% | 2,165 |
| Pretax return on assets | 1.4694% | 1,532 |
| Return on Equity (ROE) | 7.2293% | 3,098 |
| Retained earnings to average equity (ytd only) | 7.2293% | 1,495 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.9964% | 7,848 |
| Assets per employee ($millions) | 12.1489% | 162 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1209% | 8,093 |
| Loan loss allowance to noncurrent loans | 108.3333% | 2,707 |
| Noncurrent assets plus other real estate owned to assets | 0.0847% | 7,374 |
| Noncurrent loans to loans | 0.1116% | 7,244 |
| Net loans and leases to total assets | 75.7755% | 2,234 |
| Net loans and leases to deposits | 88.0510% | 3,162 |
| Net loans and leases to core deposits | 100.3848% | 4,468 |
| Total domestic deposits to total assets | 86.0587% | 2,756 |
| Equity capital to assets | 13.8214% | 1,378 |
| Core capital (leverage) ratio | 14.0680% | 1,126 |
| Tier 1 risk-based capital ratio | 30.3739% | 580 |
| Total risk-based capital ratio | 30.5714% | 626 |
| Memoranda: | ||
| Average total assets | $82,617,330 | 5,707 |
| Average earning assets | $79,727,000 | 5,542 |
| Average equity | $11,536,330 | 4,939 |
| Average total loans | $63,137,000 | 5,203 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4141% | 5,347 |
| Cost of funding earning assets | 2.6713% | 1,338 |
| Net interest margin | 2.7428% | 7,110 |
| Noninterest income to average assets | 0.0147% | 8,000 |
| Noninterest expense to average assets | 1.3513% | 8,058 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.8796% | 2,796 |
| Return on assets (ROA) | 0.8796% | 2,939 |
| Pretax return on assets | 1.3021% | 2,277 |
| Return on Equity (ROE) | 6.2656% | 3,925 |
| Retained earnings to average equity (ytd only) | 6.2656% | 2,518 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.9259% | 7,515 |
| Assets per employee ($millions) | 11.8243% | 179 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1249% | 8,147 |
| Loan loss allowance to noncurrent loans | 21.2534% | 7,097 |
| Noncurrent assets plus other real estate owned to assets | 0.4434% | 6,164 |
| Noncurrent loans to loans | 0.5878% | 5,927 |
| Net loans and leases to total assets | 75.3389% | 2,420 |
| Net loans and leases to deposits | 88.1124% | 3,271 |
| Net loans and leases to core deposits | 100.9045% | 4,449 |
| Total domestic deposits to total assets | 85.5032% | 2,967 |
| Equity capital to assets | 13.9133% | 1,385 |
| Core capital (leverage) ratio | 14.1663% | 1,154 |
| Tier 1 risk-based capital ratio | 30.6075% | 597 |
| Total risk-based capital ratio | 30.8105% | 631 |
| Memoranda: | ||
| Average total assets | $81,405,000 | 5,774 |
| Average earning assets | $78,313,500 | 5,614 |
| Average equity | $11,427,500 | 5,001 |
| Average total loans | $62,446,000 | 5,268 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6363% | 6,972 |
| Cost of funding earning assets | 3.0705% | 1,601 |
| Net interest margin | 2.5658% | 7,680 |
| Noninterest income to average assets | 0.0244% | 8,011 |
| Noninterest expense to average assets | 1.2807% | 8,126 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.7895% | 3,483 |
| Return on assets (ROA) | 0.7895% | 3,322 |
| Pretax return on assets | 1.2216% | 2,576 |
| Return on Equity (ROE) | 5.4945% | 4,163 |
| Retained earnings to average equity (ytd only) | 5.4945% | 1,769 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.1819% | 7,576 |
| Assets per employee ($millions) | 11.4343% | 185 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1249% | 8,204 |
| Loan loss allowance to noncurrent loans | 21.2534% | 7,175 |
| Noncurrent assets plus other real estate owned to assets | 0.4585% | 5,848 |
| Noncurrent loans to loans | 0.5876% | 5,616 |
| Net loans and leases to total assets | 77.9335% | 2,162 |
| Net loans and leases to deposits | 90.9420% | 3,296 |
| Net loans and leases to core deposits | 104.4613% | 4,350 |
| Total domestic deposits to total assets | 85.6959% | 2,538 |
| Equity capital to assets | 14.1667% | 1,381 |
| Core capital (leverage) ratio | 14.4275% | 1,155 |
| Tier 1 risk-based capital ratio | 30.5225% | 613 |
| Total risk-based capital ratio | 30.7281% | 654 |
| Memoranda: | ||
| Average total assets | $77,768,200 | 5,774 |
| Average earning assets | $75,102,200 | 5,623 |
| Average equity | $11,174,800 | 5,075 |
| Average total loans | $59,962,600 | 5,268 |