Home > Schuyler Savings Bank > Performance and Condition Ratios
Schuyler Savings Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2075% | 3,612 |
| Cost of funding earning assets | 1.7479% | 1,362 |
| Net interest margin | 2.4596% | 4,131 |
| Noninterest income to average assets | 0.1200% | 4,210 |
| Noninterest expense to average assets | 2.2753% | 2,911 |
| Loan and lease loss provision to assets | 0.0100% | 2,964 |
| Net operating income to assets | 0.1548% | 4,209 |
| Return on assets (ROA) | 0.1548% | 4,234 |
| Pretax return on assets | 0.1674% | 4,223 |
| Return on Equity (ROE) | 1.0000% | 4,263 |
| Retained earnings to average equity (ytd only) | 0.9989% | 3,839 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 92.5837% | 347 |
| Assets per employee ($millions) | 8.5296% | 1,168 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8743% | 3,796 |
| Loan loss allowance to noncurrent loans | 106.5831% | 3,185 |
| Noncurrent assets plus other real estate owned to assets | 0.7012% | 744 |
| Noncurrent loans to loans | 0.8203% | 941 |
| Net loans and leases to total assets | 84.7400% | 224 |
| Net loans and leases to deposits | 109.2389% | 214 |
| Net loans and leases to core deposits | 134.1309% | 346 |
| Total domestic deposits to total assets | 77.5700% | 3,778 |
| Equity capital to assets | 15.4448% | 515 |
| Core capital (leverage) ratio | 15.2749% | 578 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $134,972,200 | 3,504 |
| Average earning assets | $128,437,400 | 3,457 |
| Average equity | $20,923,200 | 2,784 |
| Average total loans | $111,327,600 | 3,039 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1543% | 3,551 |
| Cost of funding earning assets | 1.5853% | 1,399 |
| Net interest margin | 2.5690% | 4,066 |
| Noninterest income to average assets | 0.1100% | 4,262 |
| Noninterest expense to average assets | 2.3279% | 2,709 |
| Loan and lease loss provision to assets | 0.0200% | 2,562 |
| Net operating income to assets | 0.1872% | 4,239 |
| Return on assets (ROA) | 0.1872% | 4,258 |
| Pretax return on assets | 0.2110% | 4,250 |
| Return on Equity (ROE) | 1.2100% | 4,292 |
| Retained earnings to average equity (ytd only) | 1.2066% | 3,901 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 90.9795% | 347 |
| Assets per employee ($millions) | 8.0365% | 1,330 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8771% | 3,807 |
| Loan loss allowance to noncurrent loans | 93.5780% | 3,263 |
| Noncurrent assets plus other real estate owned to assets | 0.7978% | 699 |
| Noncurrent loans to loans | 0.9373% | 878 |
| Net loans and leases to total assets | 84.3700% | 255 |
| Net loans and leases to deposits | 108.6500% | 232 |
| Net loans and leases to core deposits | 131.8909% | 320 |
| Total domestic deposits to total assets | 77.6600% | 3,858 |
| Equity capital to assets | 15.3506% | 498 |
| Core capital (leverage) ratio | 15.3480% | 574 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $134,597,000 | 3,508 |
| Average earning assets | $128,089,750 | 3,471 |
| Average equity | $20,884,500 | 2,776 |
| Average total loans | $109,992,250 | 3,059 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0889% | 3,512 |
| Cost of funding earning assets | 1.4582% | 1,318 |
| Net interest margin | 2.6307% | 4,068 |
| Noninterest income to average assets | 0.1100% | 4,276 |
| Noninterest expense to average assets | 2.3909% | 2,520 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.1926% | 4,286 |
| Return on assets (ROA) | 0.1926% | 4,308 |
| Pretax return on assets | 0.2240% | 4,294 |
| Return on Equity (ROE) | 1.2400% | 4,349 |
| Retained earnings to average equity (ytd only) | 1.2371% | 3,867 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 91.4335% | 316 |
| Assets per employee ($millions) | 8.9755% | 918 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9086% | 3,755 |
| Loan loss allowance to noncurrent loans | 82.2368% | 3,411 |
| Noncurrent assets plus other real estate owned to assets | 0.9032% | 541 |
| Noncurrent loans to loans | 1.1049% | 646 |
| Net loans and leases to total assets | 81.0100% | 521 |
| Net loans and leases to deposits | 104.6521% | 349 |
| Net loans and leases to core deposits | 119.9318% | 514 |
| Total domestic deposits to total assets | 77.4000% | 3,906 |
| Equity capital to assets | 15.5675% | 474 |
| Core capital (leverage) ratio | 15.3010% | 551 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $133,922,667 | 3,526 |
| Average earning assets | $127,419,000 | 3,491 |
| Average equity | $20,855,333 | 2,788 |
| Average total loans | $107,893,000 | 3,077 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9254% | 3,622 |
| Cost of funding earning assets | 1.2875% | 1,259 |
| Net interest margin | 2.6379% | 4,165 |
| Noninterest income to average assets | 0.1100% | 4,318 |
| Noninterest expense to average assets | 2.4078% | 2,509 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.1827% | 4,372 |
| Return on assets (ROA) | 0.1827% | 4,341 |
| Pretax return on assets | 0.2096% | 4,333 |
| Return on Equity (ROE) | 1.1700% | 4,369 |
| Retained earnings to average equity (ytd only) | 1.1729% | 3,841 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 91.9908% | 308 |
| Assets per employee ($millions) | 8.1289% | 1,277 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9128% | 3,823 |
| Loan loss allowance to noncurrent loans | 74.7384% | 3,534 |
| Noncurrent assets plus other real estate owned to assets | 0.9682% | 434 |
| Noncurrent loans to loans | 1.2213% | 566 |
| Net loans and leases to total assets | 78.5500% | 705 |
| Net loans and leases to deposits | 105.4824% | 265 |
| Net loans and leases to core deposits | 119.8302% | 442 |
| Total domestic deposits to total assets | 74.4700% | 4,261 |
| Equity capital to assets | 15.1399% | 473 |
| Core capital (leverage) ratio | 15.4996% | 511 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $133,567,500 | 3,580 |
| Average earning assets | $127,069,500 | 3,539 |
| Average equity | $20,803,500 | 2,817 |
| Average total loans | $106,809,500 | 3,125 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4413% | 3,232 |
| Cost of funding earning assets | 0.4486% | 1,732 |
| Net interest margin | 2.9927% | 3,471 |
| Noninterest income to average assets | 0.1300% | 4,308 |
| Noninterest expense to average assets | 2.3975% | 2,431 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.4533% | 4,163 |
| Return on assets (ROA) | 0.4533% | 4,121 |
| Pretax return on assets | 0.5796% | 4,064 |
| Return on Equity (ROE) | 2.8300% | 4,309 |
| Retained earnings to average equity (ytd only) | 2.8309% | 3,770 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 80.5321% | 678 |
| Assets per employee ($millions) | 7.5849% | 1,561 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9609% | 3,562 |
| Loan loss allowance to noncurrent loans | 180.1802% | 2,785 |
| Noncurrent assets plus other real estate owned to assets | 0.4304% | 1,189 |
| Noncurrent loans to loans | 0.5333% | 1,379 |
| Net loans and leases to total assets | 79.9300% | 600 |
| Net loans and leases to deposits | 99.3848% | 463 |
| Net loans and leases to core deposits | 111.4058% | 565 |
| Total domestic deposits to total assets | 80.4300% | 3,820 |
| Equity capital to assets | 16.0418% | 385 |
| Core capital (leverage) ratio | 15.9154% | 461 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $127,507,400 | 3,655 |
| Average earning assets | $121,263,600 | 3,605 |
| Average equity | $20,417,200 | 2,914 |
| Average total loans | $99,616,000 | 3,157 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3336% | 3,089 |
| Cost of funding earning assets | 0.3220% | 1,943 |
| Net interest margin | 3.0116% | 3,191 |
| Noninterest income to average assets | 0.1300% | 4,339 |
| Noninterest expense to average assets | 2.4349% | 2,206 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.4404% | 4,180 |
| Return on assets (ROA) | 0.4404% | 4,124 |
| Pretax return on assets | 0.5589% | 4,053 |
| Return on Equity (ROE) | 2.7500% | 4,330 |
| Retained earnings to average equity (ytd only) | 2.7517% | 3,847 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 81.3310% | 692 |
| Assets per employee ($millions) | 7.5534% | 1,579 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9630% | 3,643 |
| Loan loss allowance to noncurrent loans | 177.3050% | 2,829 |
| Noncurrent assets plus other real estate owned to assets | 0.4392% | 1,238 |
| Noncurrent loans to loans | 0.5431% | 1,455 |
| Net loans and leases to total assets | 80.0900% | 523 |
| Net loans and leases to deposits | 99.4190% | 389 |
| Net loans and leases to core deposits | 108.9740% | 499 |
| Total domestic deposits to total assets | 80.5600% | 4,048 |
| Equity capital to assets | 15.9664% | 374 |
| Core capital (leverage) ratio | 16.0338% | 447 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $127,148,250 | 3,688 |
| Average earning assets | $120,908,750 | 3,634 |
| Average equity | $20,350,250 | 2,963 |
| Average total loans | $98,503,500 | 3,178 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1755% | 3,125 |
| Cost of funding earning assets | 0.2591% | 2,153 |
| Net interest margin | 2.9165% | 3,123 |
| Noninterest income to average assets | 0.1373% | 4,327 |
| Noninterest expense to average assets | 2.4399% | 2,114 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.3709% | 4,166 |
| Return on assets (ROA) | 0.3709% | 4,122 |
| Pretax return on assets | 0.4687% | 4,044 |
| Return on Equity (ROE) | 2.3153% | 4,320 |
| Retained earnings to average equity (ytd only) | 2.3153% | 3,664 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.8850% | 686 |
| Assets per employee ($millions) | 7.4561% | 1,641 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9728% | 3,714 |
| Loan loss allowance to noncurrent loans | 174.5201% | 2,847 |
| Noncurrent assets plus other real estate owned to assets | 0.4521% | 1,250 |
| Noncurrent loans to loans | 0.5574% | 1,504 |
| Net loans and leases to total assets | 80.3075% | 379 |
| Net loans and leases to deposits | 99.8587% | 275 |
| Net loans and leases to core deposits | 108.1868% | 393 |
| Total domestic deposits to total assets | 80.4211% | 4,191 |
| Equity capital to assets | 16.0918% | 331 |
| Core capital (leverage) ratio | 15.8678% | 389 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $126,728,667 | 3,732 |
| Average earning assets | $120,420,333 | 3,698 |
| Average equity | $20,299,667 | 3,043 |
| Average total loans | $96,724,000 | 3,231 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0087% | 3,229 |
| Cost of funding earning assets | 0.2424% | 2,242 |
| Net interest margin | 2.7663% | 3,236 |
| Noninterest income to average assets | 0.1484% | 4,266 |
| Noninterest expense to average assets | 2.4527% | 2,011 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.2683% | 4,201 |
| Return on assets (ROA) | 0.2683% | 4,169 |
| Pretax return on assets | 0.3251% | 4,147 |
| Return on Equity (ROE) | 1.6789% | 4,317 |
| Retained earnings to average equity (ytd only) | 1.6789% | 3,639 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.2955% | 618 |
| Assets per employee ($millions) | 7.9205% | 1,419 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0738% | 3,440 |
| Loan loss allowance to noncurrent loans | 243.9024% | 2,350 |
| Noncurrent assets plus other real estate owned to assets | 0.3235% | 1,815 |
| Noncurrent loans to loans | 0.4402% | 1,928 |
| Net loans and leases to total assets | 72.6982% | 774 |
| Net loans and leases to deposits | 90.2473% | 500 |
| Net loans and leases to core deposits | 97.2594% | 602 |
| Total domestic deposits to total assets | 80.5544% | 4,244 |
| Equity capital to assets | 16.0288% | 317 |
| Core capital (leverage) ratio | 15.8195% | 365 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $126,716,000 | 3,745 |
| Average earning assets | $120,449,500 | 3,710 |
| Average equity | $20,251,000 | 3,125 |
| Average total loans | $93,689,500 | 3,277 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1840% | 3,505 |
| Cost of funding earning assets | 0.3047% | 2,364 |
| Net interest margin | 2.8793% | 3,492 |
| Noninterest income to average assets | 0.1256% | 4,511 |
| Noninterest expense to average assets | 2.4050% | 2,479 |
| Loan and lease loss provision to assets | 0.0312% | 2,430 |
| Net operating income to assets | 0.3447% | 4,362 |
| Return on assets (ROA) | 0.3447% | 4,386 |
| Pretax return on assets | 0.4255% | 4,364 |
| Return on Equity (ROE) | 2.1581% | 4,481 |
| Retained earnings to average equity (ytd only) | 2.1581% | 3,936 |
| Net charge-offs to loans | 0.0096% | 2,211 |
| Credit loss provision to net charge-offs | 433.3333% | 876 |
| Earnings coverage of net charge-offs (x) | 63.4444% | 1,139 |
| Efficiency ratio | 84.0414% | 569 |
| Assets per employee ($millions) | 7.4532% | 1,648 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0610% | 3,520 |
| Loan loss allowance to noncurrent loans | 350.8772% | 1,853 |
| Noncurrent assets plus other real estate owned to assets | 0.2249% | 2,430 |
| Noncurrent loans to loans | 0.3024% | 2,509 |
| Net loans and leases to total assets | 73.5967% | 696 |
| Net loans and leases to deposits | 91.4278% | 505 |
| Net loans and leases to core deposits | 98.1755% | 603 |
| Total domestic deposits to total assets | 80.4971% | 4,164 |
| Equity capital to assets | 15.9340% | 391 |
| Core capital (leverage) ratio | 15.8065% | 379 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $125,032,600 | 3,746 |
| Average earning assets | $118,814,000 | 3,697 |
| Average equity | $19,971,000 | 3,222 |
| Average total loans | $93,658,400 | 3,281 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1369% | 3,732 |
| Cost of funding earning assets | 0.3220% | 2,386 |
| Net interest margin | 2.8149% | 3,750 |
| Noninterest income to average assets | 0.1252% | 4,565 |
| Noninterest expense to average assets | 2.4159% | 2,391 |
| Loan and lease loss provision to assets | 0.0257% | 2,485 |
| Net operating income to assets | 0.2985% | 4,521 |
| Return on assets (ROA) | 0.2985% | 4,543 |
| Pretax return on assets | 0.3584% | 4,539 |
| Return on Equity (ROE) | 1.8678% | 4,611 |
| Retained earnings to average equity (ytd only) | 1.8678% | 4,227 |
| Net charge-offs to loans | 0.0128% | 1,856 |
| Credit loss provision to net charge-offs | 266.6667% | 1,059 |
| Earnings coverage of net charge-offs (x) | 39.8889% | 1,369 |
| Efficiency ratio | 86.2820% | 420 |
| Assets per employee ($millions) | 7.0121% | 1,860 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0989% | 3,446 |
| Loan loss allowance to noncurrent loans | 340.8304% | 1,799 |
| Noncurrent assets plus other real estate owned to assets | 0.2290% | 2,633 |
| Noncurrent loans to loans | 0.3224% | 2,623 |
| Net loans and leases to total assets | 70.2380% | 1,060 |
| Net loans and leases to deposits | 87.1831% | 756 |
| Net loans and leases to core deposits | 93.9131% | 827 |
| Total domestic deposits to total assets | 80.5638% | 4,156 |
| Equity capital to assets | 15.8860% | 429 |
| Core capital (leverage) ratio | 15.7809% | 408 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $124,614,750 | 3,787 |
| Average earning assets | $118,415,000 | 3,740 |
| Average equity | $19,916,500 | 3,259 |
| Average total loans | $93,510,500 | 3,330 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2223% | 3,630 |
| Cost of funding earning assets | 0.3428% | 2,380 |
| Net interest margin | 2.8795% | 3,626 |
| Noninterest income to average assets | 0.1193% | 4,600 |
| Noninterest expense to average assets | 2.3984% | 2,471 |
| Loan and lease loss provision to assets | 0.0387% | 2,221 |
| Net operating income to assets | 0.3369% | 4,480 |
| Return on assets (ROA) | 0.3369% | 4,505 |
| Pretax return on assets | 0.4175% | 4,487 |
| Return on Equity (ROE) | 2.1035% | 4,586 |
| Retained earnings to average equity (ytd only) | 2.1035% | 4,092 |
| Net charge-offs to loans | 0.0190% | 1,561 |
| Credit loss provision to net charge-offs | 266.6667% | 943 |
| Earnings coverage of net charge-offs (x) | 31.4444% | 1,284 |
| Efficiency ratio | 84.0203% | 545 |
| Assets per employee ($millions) | 6.9173% | 1,866 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0726% | 3,531 |
| Loan loss allowance to noncurrent loans | 132.3925% | 3,027 |
| Noncurrent assets plus other real estate owned to assets | 0.5975% | 1,402 |
| Noncurrent loans to loans | 0.8102% | 1,517 |
| Net loans and leases to total assets | 72.9614% | 855 |
| Net loans and leases to deposits | 90.7706% | 599 |
| Net loans and leases to core deposits | 98.1652% | 713 |
| Total domestic deposits to total assets | 80.3800% | 4,171 |
| Equity capital to assets | 16.0484% | 408 |
| Core capital (leverage) ratio | 15.7697% | 400 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $124,080,333 | 3,810 |
| Average earning assets | $117,865,667 | 3,760 |
| Average equity | $19,871,667 | 3,259 |
| Average total loans | $94,801,333 | 3,325 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2969% | 3,451 |
| Cost of funding earning assets | 0.3641% | 2,413 |
| Net interest margin | 2.9328% | 3,430 |
| Noninterest income to average assets | 0.1163% | 4,602 |
| Noninterest expense to average assets | 2.3413% | 2,672 |
| Loan and lease loss provision to assets | 0.0452% | 2,168 |
| Net operating income to assets | 0.4069% | 4,348 |
| Return on assets (ROA) | 0.4069% | 4,375 |
| Pretax return on assets | 0.5135% | 4,318 |
| Return on Equity (ROE) | 2.5433% | 4,545 |
| Retained earnings to average equity (ytd only) | 2.5433% | 3,903 |
| Net charge-offs to loans | 0.0374% | 1,098 |
| Credit loss provision to net charge-offs | 155.5556% | 973 |
| Earnings coverage of net charge-offs (x) | 19.2222% | 1,267 |
| Efficiency ratio | 80.7350% | 776 |
| Assets per employee ($millions) | 6.9530% | 1,829 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0258% | 3,744 |
| Loan loss allowance to noncurrent loans | 128.2895% | 3,021 |
| Noncurrent assets plus other real estate owned to assets | 0.6073% | 1,572 |
| Noncurrent loans to loans | 0.7996% | 1,658 |
| Net loans and leases to total assets | 75.1658% | 700 |
| Net loans and leases to deposits | 93.2080% | 533 |
| Net loans and leases to core deposits | 100.4131% | 698 |
| Total domestic deposits to total assets | 80.6430% | 4,115 |
| Equity capital to assets | 15.9052% | 397 |
| Core capital (leverage) ratio | 15.9598% | 386 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $123,865,000 | 3,819 |
| Average earning assets | $117,565,500 | 3,768 |
| Average equity | $19,816,500 | 3,255 |
| Average total loans | $96,287,000 | 3,319 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4649% | 4,086 |
| Cost of funding earning assets | 0.7848% | 1,274 |
| Net interest margin | 2.6801% | 4,405 |
| Noninterest income to average assets | 0.1732% | 4,417 |
| Noninterest expense to average assets | 2.3918% | 3,155 |
| Loan and lease loss provision to assets | 0.1018% | 3,054 |
| Net operating income to assets | 0.2110% | 4,561 |
| Return on assets (ROA) | 0.2110% | 4,619 |
| Pretax return on assets | 0.2200% | 4,636 |
| Return on Equity (ROE) | 1.3117% | 4,649 |
| Retained earnings to average equity (ytd only) | 1.3117% | 4,103 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.1392% | 441 |
| Assets per employee ($millions) | 7.2104% | 1,444 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9946% | 3,887 |
| Loan loss allowance to noncurrent loans | 126.1378% | 3,027 |
| Noncurrent assets plus other real estate owned to assets | 0.6274% | 1,680 |
| Noncurrent loans to loans | 0.7885% | 1,761 |
| Net loans and leases to total assets | 78.7724% | 519 |
| Net loans and leases to deposits | 98.1260% | 456 |
| Net loans and leases to core deposits | 106.6210% | 619 |
| Total domestic deposits to total assets | 80.2767% | 4,003 |
| Equity capital to assets | 16.0937% | 419 |
| Core capital (leverage) ratio | 15.8379% | 407 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $121,793,400 | 3,725 |
| Average earning assets | $115,443,400 | 3,685 |
| Average equity | $19,592,800 | 3,223 |
| Average total loans | $89,723,800 | 3,403 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4509% | 4,285 |
| Cost of funding earning assets | 0.8865% | 1,111 |
| Net interest margin | 2.5645% | 4,606 |
| Noninterest income to average assets | 0.1875% | 4,348 |
| Noninterest expense to average assets | 2.3629% | 3,243 |
| Loan and lease loss provision to assets | 0.0831% | 3,276 |
| Net operating income to assets | 0.1809% | 4,619 |
| Return on assets (ROA) | 0.1809% | 4,658 |
| Pretax return on assets | 0.1711% | 4,682 |
| Return on Equity (ROE) | 1.1248% | 4,683 |
| Retained earnings to average equity (ytd only) | 1.1248% | 4,212 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.2807% | 356 |
| Assets per employee ($millions) | 7.4125% | 1,270 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9832% | 3,777 |
| Loan loss allowance to noncurrent loans | 108.5984% | 3,159 |
| Noncurrent assets plus other real estate owned to assets | 0.6737% | 1,710 |
| Noncurrent loans to loans | 0.9053% | 1,649 |
| Net loans and leases to total assets | 73.6890% | 1,413 |
| Net loans and leases to deposits | 91.0693% | 1,150 |
| Net loans and leases to core deposits | 98.1793% | 1,298 |
| Total domestic deposits to total assets | 80.9153% | 3,678 |
| Equity capital to assets | 15.5826% | 529 |
| Core capital (leverage) ratio | 16.1091% | 409 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $121,597,750 | 3,717 |
| Average earning assets | $115,212,750 | 3,675 |
| Average equity | $19,559,250 | 3,228 |
| Average total loans | $87,773,250 | 3,458 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4941% | 4,417 |
| Cost of funding earning assets | 1.0152% | 943 |
| Net interest margin | 2.4789% | 4,746 |
| Noninterest income to average assets | 0.2148% | 4,200 |
| Noninterest expense to average assets | 2.3742% | 3,329 |
| Loan and lease loss provision to assets | 0.0266% | 3,919 |
| Net operating income to assets | 0.1781% | 4,599 |
| Return on assets (ROA) | 0.1781% | 4,644 |
| Pretax return on assets | 0.1598% | 4,671 |
| Return on Equity (ROE) | 1.0955% | 4,675 |
| Retained earnings to average equity (ytd only) | 1.0955% | 4,080 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.7178% | 327 |
| Assets per employee ($millions) | 7.1091% | 1,384 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9793% | 3,670 |
| Loan loss allowance to noncurrent loans | 103.8554% | 3,169 |
| Noncurrent assets plus other real estate owned to assets | 0.6868% | 1,787 |
| Noncurrent loans to loans | 0.9430% | 1,638 |
| Net loans and leases to total assets | 72.1184% | 1,685 |
| Net loans and leases to deposits | 92.8635% | 1,064 |
| Net loans and leases to core deposits | 101.8606% | 1,122 |
| Total domestic deposits to total assets | 77.6606% | 4,236 |
| Equity capital to assets | 16.1947% | 448 |
| Core capital (leverage) ratio | 16.1062% | 425 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $120,126,333 | 3,719 |
| Average earning assets | $113,677,333 | 3,680 |
| Average equity | $19,533,667 | 3,221 |
| Average total loans | $85,771,333 | 3,487 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7463% | 4,306 |
| Cost of funding earning assets | 1.0956% | 1,058 |
| Net interest margin | 2.6507% | 4,717 |
| Noninterest income to average assets | 0.1336% | 4,702 |
| Noninterest expense to average assets | 2.3446% | 3,669 |
| Loan and lease loss provision to assets | 0.0534% | 3,107 |
| Net operating income to assets | 0.2138% | 4,507 |
| Return on assets (ROA) | 0.2138% | 4,519 |
| Pretax return on assets | 0.2405% | 4,525 |
| Return on Equity (ROE) | 1.3118% | 4,585 |
| Retained earnings to average equity (ytd only) | 1.3118% | 3,667 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.8608% | 543 |
| Assets per employee ($millions) | 7.0209% | 1,079 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0266% | 3,564 |
| Loan loss allowance to noncurrent loans | 282.6230% | 1,595 |
| Noncurrent assets plus other real estate owned to assets | 0.2555% | 3,430 |
| Noncurrent loans to loans | 0.3632% | 3,197 |
| Net loans and leases to total assets | 69.6301% | 2,305 |
| Net loans and leases to deposits | 89.8328% | 1,531 |
| Net loans and leases to core deposits | 98.7817% | 1,571 |
| Total domestic deposits to total assets | 77.5108% | 4,294 |
| Equity capital to assets | 16.3068% | 531 |
| Core capital (leverage) ratio | 16.1662% | 493 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 33.0432% | 231 |
| Memoranda: | ||
| Average total assets | $119,762,500 | 3,704 |
| Average earning assets | $113,179,000 | 3,662 |
| Average equity | $19,514,500 | 3,215 |
| Average total loans | $84,647,000 | 3,507 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7272% | 4,651 |
| Cost of funding earning assets | 1.0869% | 1,379 |
| Net interest margin | 2.6403% | 4,875 |
| Noninterest income to average assets | 0.1499% | 4,742 |
| Noninterest expense to average assets | 2.3261% | 3,884 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.2782% | 4,771 |
| Return on assets (ROA) | 0.2782% | 4,797 |
| Pretax return on assets | 0.3223% | 4,801 |
| Return on Equity (ROE) | 1.7254% | 4,831 |
| Retained earnings to average equity (ytd only) | 1.7254% | 4,117 |
| Net charge-offs to loans | -0.0123% | 4,525 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.8302% | 449 |
| Assets per employee ($millions) | 7.0688% | 1,016 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9915% | 3,569 |
| Loan loss allowance to noncurrent loans | 221.4660% | 1,939 |
| Noncurrent assets plus other real estate owned to assets | 0.3179% | 3,148 |
| Noncurrent loans to loans | 0.4477% | 2,836 |
| Net loans and leases to total assets | 70.2996% | 2,347 |
| Net loans and leases to deposits | 90.4457% | 1,537 |
| Net loans and leases to core deposits | 98.6271% | 1,687 |
| Total domestic deposits to total assets | 77.7257% | 4,401 |
| Equity capital to assets | 16.2819% | 557 |
| Core capital (leverage) ratio | 16.0771% | 508 |
| Tier 1 risk-based capital ratio | 33.5519% | 372 |
| Total risk-based capital ratio | 34.8040% | 364 |
| Memoranda: | ||
| Average total assets | $120,070,600 | 3,702 |
| Average earning assets | $113,622,800 | 3,656 |
| Average equity | $19,358,200 | 3,184 |
| Average total loans | $81,467,000 | 3,569 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7389% | 4,740 |
| Cost of funding earning assets | 1.0726% | 1,459 |
| Net interest margin | 2.6663% | 4,963 |
| Noninterest income to average assets | 0.1455% | 4,817 |
| Noninterest expense to average assets | 2.3135% | 3,917 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.3032% | 4,840 |
| Return on assets (ROA) | 0.3032% | 4,861 |
| Pretax return on assets | 0.3554% | 4,853 |
| Return on Equity (ROE) | 1.8853% | 4,909 |
| Retained earnings to average equity (ytd only) | 1.8853% | 4,312 |
| Net charge-offs to loans | -0.0166% | 4,538 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.6833% | 464 |
| Assets per employee ($millions) | 7.0789% | 996 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0426% | 3,337 |
| Loan loss allowance to noncurrent loans | 187.1681% | 2,196 |
| Noncurrent assets plus other real estate owned to assets | 0.3756% | 3,003 |
| Noncurrent loans to loans | 0.5570% | 2,626 |
| Net loans and leases to total assets | 66.7254% | 2,957 |
| Net loans and leases to deposits | 85.8821% | 2,205 |
| Net loans and leases to core deposits | 94.4238% | 2,143 |
| Total domestic deposits to total assets | 77.6942% | 4,408 |
| Equity capital to assets | 16.2015% | 602 |
| Core capital (leverage) ratio | 16.1876% | 536 |
| Tier 1 risk-based capital ratio | 34.4173% | 363 |
| Total risk-based capital ratio | 35.6701% | 351 |
| Memoranda: | ||
| Average total assets | $120,045,750 | 3,740 |
| Average earning assets | $113,612,000 | 3,688 |
| Average equity | $19,306,250 | 3,214 |
| Average total loans | $80,502,500 | 3,631 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6905% | 4,837 |
| Cost of funding earning assets | 1.0428% | 1,524 |
| Net interest margin | 2.6476% | 5,044 |
| Noninterest income to average assets | 0.1384% | 4,880 |
| Noninterest expense to average assets | 2.3294% | 3,932 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.2685% | 4,917 |
| Return on assets (ROA) | 0.2685% | 4,930 |
| Pretax return on assets | 0.3151% | 4,917 |
| Return on Equity (ROE) | 1.6734% | 4,984 |
| Retained earnings to average equity (ytd only) | 1.6734% | 4,219 |
| Net charge-offs to loans | -0.0249% | 4,621 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.0832% | 440 |
| Assets per employee ($millions) | 7.4497% | 835 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0528% | 3,323 |
| Loan loss allowance to noncurrent loans | 90.0000% | 3,487 |
| Noncurrent assets plus other real estate owned to assets | 0.7886% | 1,772 |
| Noncurrent loans to loans | 1.1698% | 1,381 |
| Net loans and leases to total assets | 66.7058% | 3,018 |
| Net loans and leases to deposits | 84.1358% | 2,480 |
| Net loans and leases to core deposits | 92.3504% | 2,382 |
| Total domestic deposits to total assets | 79.2835% | 4,164 |
| Equity capital to assets | 16.2515% | 574 |
| Core capital (leverage) ratio | 15.8452% | 569 |
| Tier 1 risk-based capital ratio | 34.9633% | 340 |
| Total risk-based capital ratio | 36.2160% | 334 |
| Memoranda: | ||
| Average total assets | $119,947,330 | 3,763 |
| Average earning assets | $113,535,330 | 3,717 |
| Average equity | $19,242,670 | 3,225 |
| Average total loans | $80,288,670 | 3,655 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6203% | 4,946 |
| Cost of funding earning assets | 0.9867% | 1,625 |
| Net interest margin | 2.6336% | 5,116 |
| Noninterest income to average assets | 0.1263% | 4,977 |
| Noninterest expense to average assets | 2.2838% | 4,064 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.2826% | 4,919 |
| Return on assets (ROA) | 0.2826% | 4,929 |
| Pretax return on assets | 0.3358% | 4,919 |
| Return on Equity (ROE) | 1.7728% | 4,990 |
| Retained earnings to average equity (ytd only) | 1.7728% | 4,121 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.1827% | 521 |
| Assets per employee ($millions) | 7.0873% | 968 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0391% | 3,473 |
| Loan loss allowance to noncurrent loans | 76.0000% | 3,762 |
| Noncurrent assets plus other real estate owned to assets | 0.9130% | 1,540 |
| Noncurrent loans to loans | 1.3673% | 1,182 |
| Net loans and leases to total assets | 66.0801% | 3,040 |
| Net loans and leases to deposits | 82.9887% | 2,502 |
| Net loans and leases to core deposits | 89.4884% | 2,554 |
| Total domestic deposits to total assets | 79.6255% | 4,235 |
| Equity capital to assets | 15.9781% | 573 |
| Core capital (leverage) ratio | 15.8533% | 552 |
| Tier 1 risk-based capital ratio | 34.6444% | 334 |
| Total risk-based capital ratio | 35.8961% | 326 |
| Memoranda: | ||
| Average total assets | $120,323,500 | 3,801 |
| Average earning assets | $113,913,500 | 3,747 |
| Average equity | $19,178,500 | 3,240 |
| Average total loans | $80,255,000 | 3,689 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6041% | 4,794 |
| Cost of funding earning assets | 0.7723% | 1,674 |
| Net interest margin | 2.8318% | 4,990 |
| Noninterest income to average assets | 0.1810% | 4,823 |
| Noninterest expense to average assets | 2.5481% | 3,474 |
| Loan and lease loss provision to assets | 0.0293% | 3,591 |
| Net operating income to assets | 0.2697% | 5,042 |
| Return on assets (ROA) | 0.2697% | 5,041 |
| Pretax return on assets | 0.2766% | 5,064 |
| Return on Equity (ROE) | 1.6507% | 5,086 |
| Retained earnings to average equity (ytd only) | 1.6507% | 4,484 |
| Net charge-offs to loans | -0.0013% | 4,198 |
| Credit loss provision to net charge-offs | -3,400.0000% | 4,895 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.2814% | 378 |
| Assets per employee ($millions) | 7.0684% | 946 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0442% | 3,424 |
| Loan loss allowance to noncurrent loans | 76.7677% | 3,802 |
| Noncurrent assets plus other real estate owned to assets | 0.9063% | 1,529 |
| Noncurrent loans to loans | 1.3603% | 1,147 |
| Net loans and leases to total assets | 65.9288% | 3,143 |
| Net loans and leases to deposits | 82.7021% | 2,650 |
| Net loans and leases to core deposits | 88.9026% | 2,663 |
| Total domestic deposits to total assets | 79.7184% | 4,168 |
| Equity capital to assets | 15.9001% | 545 |
| Core capital (leverage) ratio | 16.0733% | 504 |
| Tier 1 risk-based capital ratio | 34.9495% | 317 |
| Total risk-based capital ratio | 36.2031% | 315 |
| Memoranda: | ||
| Average total assets | $116,045,200 | 3,851 |
| Average earning assets | $109,541,200 | 3,811 |
| Average equity | $18,961,600 | 3,189 |
| Average total loans | $76,972,000 | 3,726 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6249% | 4,765 |
| Cost of funding earning assets | 0.7279% | 1,700 |
| Net interest margin | 2.8970% | 4,978 |
| Noninterest income to average assets | 0.1936% | 4,813 |
| Noninterest expense to average assets | 2.5955% | 3,292 |
| Loan and lease loss provision to assets | 0.0394% | 3,215 |
| Net operating income to assets | 0.2411% | 5,166 |
| Return on assets (ROA) | 0.2411% | 5,158 |
| Pretax return on assets | 0.2898% | 5,145 |
| Return on Equity (ROE) | 1.4654% | 5,191 |
| Retained earnings to average equity (ytd only) | 1.4654% | 4,738 |
| Net charge-offs to loans | -0.0105% | 4,419 |
| Credit loss provision to net charge-offs | -566.6667% | 4,521 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.7436% | 372 |
| Assets per employee ($millions) | 6.7550% | 1,045 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1047% | 3,164 |
| Loan loss allowance to noncurrent loans | 124.4083% | 3,083 |
| Noncurrent assets plus other real estate owned to assets | 0.5887% | 2,414 |
| Noncurrent loans to loans | 0.8880% | 1,923 |
| Net loans and leases to total assets | 65.5602% | 3,235 |
| Net loans and leases to deposits | 83.0806% | 2,699 |
| Net loans and leases to core deposits | 88.6229% | 2,783 |
| Total domestic deposits to total assets | 78.9115% | 4,332 |
| Equity capital to assets | 16.5159% | 453 |
| Core capital (leverage) ratio | 16.4308% | 463 |
| Tier 1 risk-based capital ratio | 36.1624% | 296 |
| Total risk-based capital ratio | 37.4168% | 292 |
| Memoranda: | ||
| Average total assets | $115,015,750 | 3,909 |
| Average earning assets | $108,432,250 | 3,869 |
| Average equity | $18,925,500 | 3,211 |
| Average total loans | $76,200,500 | 3,778 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5710% | 4,810 |
| Cost of funding earning assets | 0.6917% | 1,668 |
| Net interest margin | 2.8793% | 5,043 |
| Noninterest income to average assets | 0.2190% | 4,706 |
| Noninterest expense to average assets | 2.6087% | 3,302 |
| Loan and lease loss provision to assets | 0.0591% | 2,723 |
| Net operating income to assets | 0.2259% | 5,204 |
| Return on assets (ROA) | 0.2259% | 5,198 |
| Pretax return on assets | 0.2642% | 5,192 |
| Return on Equity (ROE) | 1.3748% | 5,237 |
| Retained earnings to average equity (ytd only) | 1.3748% | 4,671 |
| Net charge-offs to loans | 0.0866% | 1,471 |
| Credit loss provision to net charge-offs | 103.0303% | 1,974 |
| Earnings coverage of net charge-offs (x) | 5.6364% | 2,696 |
| Efficiency ratio | 88.9745% | 411 |
| Assets per employee ($millions) | 6.3296% | 1,255 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0298% | 3,648 |
| Loan loss allowance to noncurrent loans | 135.9322% | 2,928 |
| Noncurrent assets plus other real estate owned to assets | 0.5178% | 2,685 |
| Noncurrent loans to loans | 0.7576% | 2,222 |
| Net loans and leases to total assets | 67.6520% | 2,920 |
| Net loans and leases to deposits | 85.7814% | 2,342 |
| Net loans and leases to core deposits | 91.2025% | 2,469 |
| Total domestic deposits to total assets | 78.8656% | 4,450 |
| Equity capital to assets | 16.5940% | 438 |
| Core capital (leverage) ratio | 16.3582% | 456 |
| Tier 1 risk-based capital ratio | 35.2715% | 326 |
| Total risk-based capital ratio | 36.5245% | 322 |
| Memoranda: | ||
| Average total assets | $115,076,000 | 3,936 |
| Average earning assets | $108,428,670 | 3,902 |
| Average equity | $18,912,000 | 3,232 |
| Average total loans | $76,225,000 | 3,800 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5320% | 4,819 |
| Cost of funding earning assets | 0.6675% | 1,616 |
| Net interest margin | 2.8645% | 5,077 |
| Noninterest income to average assets | 0.2940% | 4,196 |
| Noninterest expense to average assets | 2.5803% | 3,390 |
| Loan and lease loss provision to assets | 0.1176% | 1,606 |
| Net operating income to assets | 0.2456% | 5,187 |
| Return on assets (ROA) | 0.2456% | 5,188 |
| Pretax return on assets | 0.2975% | 5,172 |
| Return on Equity (ROE) | 1.5015% | 5,253 |
| Retained earnings to average equity (ytd only) | 1.5015% | 4,490 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.1432% | 638 |
| Assets per employee ($millions) | 6.7419% | 1,071 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1140% | 3,296 |
| Loan loss allowance to noncurrent loans | 109.4364% | 3,287 |
| Noncurrent assets plus other real estate owned to assets | 0.6657% | 2,330 |
| Noncurrent loans to loans | 1.0179% | 1,798 |
| Net loans and leases to total assets | 64.6715% | 3,217 |
| Net loans and leases to deposits | 81.8512% | 2,611 |
| Net loans and leases to core deposits | 86.5083% | 2,759 |
| Total domestic deposits to total assets | 79.0111% | 4,575 |
| Equity capital to assets | 16.4501% | 444 |
| Core capital (leverage) ratio | 16.2047% | 465 |
| Tier 1 risk-based capital ratio | 36.2089% | 300 |
| Total risk-based capital ratio | 37.4625% | 293 |
| Memoranda: | ||
| Average total assets | $115,647,500 | 3,970 |
| Average earning assets | $109,058,500 | 3,931 |
| Average equity | $18,915,000 | 3,253 |
| Average total loans | $75,397,500 | 3,852 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4482% | 4,866 |
| Cost of funding earning assets | 0.6181% | 1,485 |
| Net interest margin | 2.8301% | 5,129 |
| Noninterest income to average assets | 0.1532% | 5,192 |
| Noninterest expense to average assets | 2.4500% | 3,935 |
| Loan and lease loss provision to assets | 0.0544% | 3,138 |
| Net operating income to assets | -0.0026% | 5,364 |
| Return on assets (ROA) | 0.0017% | 5,358 |
| Pretax return on assets | 0.3240% | 5,184 |
| Return on Equity (ROE) | 0.0105% | 5,357 |
| Retained earnings to average equity (ytd only) | 0.0105% | 5,005 |
| Net charge-offs to loans | 0.0852% | 2,242 |
| Credit loss provision to net charge-offs | 101.5625% | 2,522 |
| Earnings coverage of net charge-offs (x) | 6.9375% | 3,113 |
| Efficiency ratio | 86.8249% | 593 |
| Assets per employee ($millions) | 6.8636% | 1,035 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0562% | 3,585 |
| Loan loss allowance to noncurrent loans | 145.9016% | 2,851 |
| Noncurrent assets plus other real estate owned to assets | 0.6419% | 2,404 |
| Noncurrent loans to loans | 0.7239% | 2,398 |
| Net loans and leases to total assets | 64.3090% | 3,335 |
| Net loans and leases to deposits | 80.9164% | 2,824 |
| Net loans and leases to core deposits | 85.1561% | 2,974 |
| Total domestic deposits to total assets | 79.4758% | 4,450 |
| Equity capital to assets | 16.2630% | 484 |
| Core capital (leverage) ratio | 16.0577% | 470 |
| Tier 1 risk-based capital ratio | 35.7457% | 299 |
| Total risk-based capital ratio | 36.9977% | 298 |
| Memoranda: | ||
| Average total assets | $119,427,800 | 3,904 |
| Average earning assets | $112,609,600 | 3,870 |
| Average equity | $19,044,800 | 3,240 |
| Average total loans | $75,073,600 | 3,846 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4388% | 4,909 |
| Cost of funding earning assets | 0.6087% | 1,472 |
| Net interest margin | 2.8302% | 5,176 |
| Noninterest income to average assets | 0.1554% | 5,245 |
| Noninterest expense to average assets | 2.4387% | 3,920 |
| Loan and lease loss provision to assets | 0.0555% | 2,980 |
| Net operating income to assets | 0.2886% | 5,236 |
| Return on assets (ROA) | 0.2964% | 5,244 |
| Pretax return on assets | 0.3386% | 5,278 |
| Return on Equity (ROE) | 1.8675% | 5,327 |
| Retained earnings to average equity (ytd only) | 1.8675% | 4,686 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.3601% | 610 |
| Assets per employee ($millions) | 7.0642% | 927 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1173% | 3,398 |
| Loan loss allowance to noncurrent loans | 143.0976% | 2,885 |
| Noncurrent assets plus other real estate owned to assets | 0.7136% | 2,369 |
| Noncurrent loans to loans | 0.7808% | 2,411 |
| Net loans and leases to total assets | 62.6408% | 3,589 |
| Net loans and leases to deposits | 78.5412% | 3,114 |
| Net loans and leases to core deposits | 82.5217% | 3,243 |
| Total domestic deposits to total assets | 79.7554% | 4,374 |
| Equity capital to assets | 16.0295% | 543 |
| Core capital (leverage) ratio | 15.8083% | 520 |
| Tier 1 risk-based capital ratio | 35.9158% | 306 |
| Total risk-based capital ratio | 37.1707% | 299 |
| Memoranda: | ||
| Average total assets | $120,114,250 | 3,931 |
| Average earning assets | $113,252,250 | 3,897 |
| Average equity | $19,062,000 | 3,264 |
| Average total loans | $74,882,500 | 3,880 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4220% | 4,933 |
| Cost of funding earning assets | 0.6053% | 1,410 |
| Net interest margin | 2.8167% | 5,218 |
| Noninterest income to average assets | 0.1582% | 5,261 |
| Noninterest expense to average assets | 2.4425% | 3,938 |
| Loan and lease loss provision to assets | 0.0583% | 2,804 |
| Net operating income to assets | 0.2603% | 5,304 |
| Return on assets (ROA) | 0.2714% | 5,301 |
| Pretax return on assets | 0.3280% | 5,302 |
| Return on Equity (ROE) | 1.7158% | 5,380 |
| Retained earnings to average equity (ytd only) | 1.7158% | 4,567 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.7534% | 628 |
| Assets per employee ($millions) | 7.1382% | 874 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0997% | 3,586 |
| Loan loss allowance to noncurrent loans | 106.9142% | 3,449 |
| Noncurrent assets plus other real estate owned to assets | 0.6436% | 2,626 |
| Noncurrent loans to loans | 1.0286% | 1,907 |
| Net loans and leases to total assets | 61.8830% | 3,643 |
| Net loans and leases to deposits | 77.2225% | 3,196 |
| Net loans and leases to core deposits | 81.3579% | 3,308 |
| Total domestic deposits to total assets | 80.1360% | 4,377 |
| Equity capital to assets | 15.7833% | 559 |
| Core capital (leverage) ratio | 15.6518% | 523 |
| Tier 1 risk-based capital ratio | 35.0459% | 306 |
| Total risk-based capital ratio | 36.3001% | 300 |
| Memoranda: | ||
| Average total assets | $120,122,000 | 3,961 |
| Average earning assets | $113,325,000 | 3,920 |
| Average equity | $18,999,330 | 3,274 |
| Average total loans | $74,484,670 | 3,910 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3597% | 5,019 |
| Cost of funding earning assets | 0.6031% | 1,348 |
| Net interest margin | 2.7566% | 5,319 |
| Noninterest income to average assets | 0.1774% | 5,213 |
| Noninterest expense to average assets | 2.4668% | 3,916 |
| Loan and lease loss provision to assets | 0.0502% | 2,801 |
| Net operating income to assets | 0.2309% | 5,345 |
| Return on assets (ROA) | 0.2309% | 5,356 |
| Pretax return on assets | 0.2611% | 5,361 |
| Return on Equity (ROE) | 1.4586% | 5,434 |
| Retained earnings to average equity (ytd only) | 1.4586% | 4,522 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.7952% | 616 |
| Assets per employee ($millions) | 7.1063% | 901 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0925% | 3,749 |
| Loan loss allowance to noncurrent loans | 84.1942% | 3,919 |
| Noncurrent assets plus other real estate owned to assets | 0.8013% | 2,297 |
| Noncurrent loans to loans | 1.2976% | 1,559 |
| Net loans and leases to total assets | 61.0759% | 3,654 |
| Net loans and leases to deposits | 76.1924% | 3,177 |
| Net loans and leases to core deposits | 81.3145% | 3,158 |
| Total domestic deposits to total assets | 80.1601% | 4,587 |
| Equity capital to assets | 15.7549% | 532 |
| Core capital (leverage) ratio | 15.7079% | 503 |
| Tier 1 risk-based capital ratio | 36.0239% | 298 |
| Total risk-based capital ratio | 37.2773% | 294 |
| Memoranda: | ||
| Average total assets | $119,508,000 | 4,001 |
| Average earning assets | $112,747,000 | 3,969 |
| Average equity | $18,922,500 | 3,299 |
| Average total loans | $73,762,000 | 3,957 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2883% | 5,173 |
| Cost of funding earning assets | 0.6381% | 1,121 |
| Net interest margin | 2.6502% | 5,475 |
| Noninterest income to average assets | 0.1557% | 5,429 |
| Noninterest expense to average assets | 2.4746% | 4,093 |
| Loan and lease loss provision to assets | 0.0215% | 3,938 |
| Net operating income to assets | 0.1686% | 5,466 |
| Return on assets (ROA) | 0.1815% | 5,495 |
| Pretax return on assets | 0.1694% | 5,524 |
| Return on Equity (ROE) | 1.1259% | 5,551 |
| Retained earnings to average equity (ytd only) | 1.1259% | 4,850 |
| Net charge-offs to loans | 0.0969% | 2,328 |
| Credit loss provision to net charge-offs | 36.2319% | 3,534 |
| Earnings coverage of net charge-offs (x) | 3.0000% | 3,736 |
| Efficiency ratio | 93.2879% | 412 |
| Assets per employee ($millions) | 6.9535% | 942 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0970% | 3,730 |
| Loan loss allowance to noncurrent loans | 70.2371% | 4,214 |
| Noncurrent assets plus other real estate owned to assets | 0.9635% | 1,964 |
| Noncurrent loans to loans | 1.5619% | 1,266 |
| Net loans and leases to total assets | 61.0148% | 3,727 |
| Net loans and leases to deposits | 76.4481% | 3,268 |
| Net loans and leases to core deposits | 81.9621% | 3,213 |
| Total domestic deposits to total assets | 79.8120% | 4,610 |
| Equity capital to assets | 15.9142% | 505 |
| Core capital (leverage) ratio | 16.0198% | 458 |
| Tier 1 risk-based capital ratio | 37.0475% | 274 |
| Total risk-based capital ratio | 38.3013% | 268 |
| Memoranda: | ||
| Average total assets | $116,261,400 | 4,061 |
| Average earning assets | $109,538,600 | 4,014 |
| Average equity | $18,740,600 | 3,308 |
| Average total loans | $71,241,400 | 4,020 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2941% | 5,221 |
| Cost of funding earning assets | 0.6420% | 1,087 |
| Net interest margin | 2.6522% | 5,543 |
| Noninterest income to average assets | 0.1555% | 5,495 |
| Noninterest expense to average assets | 2.4898% | 4,015 |
| Loan and lease loss provision to assets | 0.0288% | 3,662 |
| Net operating income to assets | 0.1555% | 5,544 |
| Return on assets (ROA) | 0.1727% | 5,574 |
| Pretax return on assets | 0.1520% | 5,623 |
| Return on Equity (ROE) | 1.0682% | 5,637 |
| Retained earnings to average equity (ytd only) | 1.0682% | 5,065 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.8368% | 398 |
| Assets per employee ($millions) | 6.4937% | 1,110 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2275% | 3,080 |
| Loan loss allowance to noncurrent loans | 66.7435% | 4,345 |
| Noncurrent assets plus other real estate owned to assets | 1.1139% | 1,822 |
| Noncurrent loans to loans | 1.8392% | 1,110 |
| Net loans and leases to total assets | 59.8224% | 3,901 |
| Net loans and leases to deposits | 75.2105% | 3,476 |
| Net loans and leases to core deposits | 80.2488% | 3,423 |
| Total domestic deposits to total assets | 79.5399% | 4,605 |
| Equity capital to assets | 16.0900% | 543 |
| Core capital (leverage) ratio | 15.9387% | 484 |
| Tier 1 risk-based capital ratio | 38.1648% | 259 |
| Total risk-based capital ratio | 39.4221% | 260 |
| Memoranda: | ||
| Average total assets | $115,774,500 | 4,093 |
| Average earning assets | $109,039,500 | 4,052 |
| Average equity | $18,722,750 | 3,337 |
| Average total loans | $70,820,500 | 4,054 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3110% | 5,272 |
| Cost of funding earning assets | 0.6386% | 1,096 |
| Net interest margin | 2.6724% | 5,602 |
| Noninterest income to average assets | 0.1542% | 5,537 |
| Noninterest expense to average assets | 2.4817% | 4,080 |
| Loan and lease loss provision to assets | 0.0433% | 3,281 |
| Net operating income to assets | 0.1456% | 5,618 |
| Return on assets (ROA) | 0.1716% | 5,631 |
| Pretax return on assets | 0.1716% | 5,650 |
| Return on Equity (ROE) | 1.0591% | 5,681 |
| Retained earnings to average equity (ytd only) | 1.0591% | 4,964 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.9267% | 453 |
| Assets per employee ($millions) | 6.8429% | 930 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2009% | 3,355 |
| Loan loss allowance to noncurrent loans | 66.6411% | 4,427 |
| Noncurrent assets plus other real estate owned to assets | 1.1209% | 1,883 |
| Noncurrent loans to loans | 1.8021% | 1,145 |
| Net loans and leases to total assets | 61.4562% | 3,689 |
| Net loans and leases to deposits | 77.2786% | 3,235 |
| Net loans and leases to core deposits | 82.2229% | 3,247 |
| Total domestic deposits to total assets | 79.5255% | 4,665 |
| Equity capital to assets | 16.1300% | 522 |
| Core capital (leverage) ratio | 16.2139% | 439 |
| Tier 1 risk-based capital ratio | 37.4150% | 276 |
| Total risk-based capital ratio | 38.6710% | 273 |
| Memoranda: | ||
| Average total assets | $115,404,000 | 4,132 |
| Average earning assets | $108,668,330 | 4,087 |
| Average equity | $18,694,670 | 3,339 |
| Average total loans | $70,829,670 | 4,076 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3222% | 5,276 |
| Cost of funding earning assets | 0.6400% | 1,105 |
| Net interest margin | 2.6821% | 5,641 |
| Noninterest income to average assets | 0.1601% | 5,531 |
| Noninterest expense to average assets | 2.4604% | 4,196 |
| Loan and lease loss provision to assets | 0.0522% | 2,893 |
| Net operating income to assets | 0.1543% | 5,608 |
| Return on assets (ROA) | 0.2018% | 5,583 |
| Pretax return on assets | 0.2227% | 5,614 |
| Return on Equity (ROE) | 1.2433% | 5,655 |
| Retained earnings to average equity (ytd only) | 1.2433% | 4,756 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.6991% | 570 |
| Assets per employee ($millions) | 6.7943% | 966 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2450% | 3,229 |
| Loan loss allowance to noncurrent loans | 62.4727% | 4,510 |
| Noncurrent assets plus other real estate owned to assets | 1.1904% | 1,841 |
| Noncurrent loans to loans | 1.9929% | 1,081 |
| Net loans and leases to total assets | 58.9907% | 3,920 |
| Net loans and leases to deposits | 74.2141% | 3,411 |
| Net loans and leases to core deposits | 78.9113% | 3,414 |
| Total domestic deposits to total assets | 79.4871% | 4,859 |
| Equity capital to assets | 16.2039% | 511 |
| Core capital (leverage) ratio | 16.1910% | 448 |
| Tier 1 risk-based capital ratio | 38.0957% | 264 |
| Total risk-based capital ratio | 39.3529% | 264 |
| Memoranda: | ||
| Average total assets | $114,941,000 | 4,168 |
| Average earning assets | $108,122,500 | 4,124 |
| Average equity | $18,660,000 | 3,353 |
| Average total loans | $70,064,000 | 4,113 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3655% | 5,232 |
| Cost of funding earning assets | 0.5721% | 1,580 |
| Net interest margin | 2.7934% | 5,523 |
| Noninterest income to average assets | 0.2118% | 5,324 |
| Noninterest expense to average assets | 2.4565% | 4,368 |
| Loan and lease loss provision to assets | 0.0935% | 2,445 |
| Net operating income to assets | 0.2626% | 5,453 |
| Return on assets (ROA) | 0.2626% | 5,533 |
| Pretax return on assets | 0.2955% | 5,527 |
| Return on Equity (ROE) | 1.5960% | 5,664 |
| Retained earnings to average equity (ytd only) | 1.5960% | 4,810 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.3309% | 970 |
| Assets per employee ($millions) | 6.7282% | 991 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1865% | 3,557 |
| Loan loss allowance to noncurrent loans | 51.8428% | 4,835 |
| Noncurrent assets plus other real estate owned to assets | 1.4233% | 1,470 |
| Noncurrent loans to loans | 2.2887% | 839 |
| Net loans and leases to total assets | 61.4527% | 3,636 |
| Net loans and leases to deposits | 77.3750% | 3,117 |
| Net loans and leases to core deposits | 82.3278% | 3,110 |
| Total domestic deposits to total assets | 79.4219% | 4,880 |
| Equity capital to assets | 16.2652% | 493 |
| Core capital (leverage) ratio | 16.1587% | 451 |
| Tier 1 risk-based capital ratio | 36.8536% | 284 |
| Total risk-based capital ratio | 38.1095% | 281 |
| Memoranda: | ||
| Average total assets | $112,354,000 | 4,212 |
| Average earning assets | $105,928,800 | 4,146 |
| Average equity | $18,483,400 | 3,318 |
| Average total loans | $65,377,200 | 4,221 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3388% | 5,346 |
| Cost of funding earning assets | 0.5550% | 1,762 |
| Net interest margin | 2.7838% | 5,612 |
| Noninterest income to average assets | 0.2193% | 5,344 |
| Noninterest expense to average assets | 2.4378% | 4,394 |
| Loan and lease loss provision to assets | 0.0823% | 2,526 |
| Net operating income to assets | 0.2849% | 5,503 |
| Return on assets (ROA) | 0.2849% | 5,575 |
| Pretax return on assets | 0.3242% | 5,610 |
| Return on Equity (ROE) | 1.7269% | 5,729 |
| Retained earnings to average equity (ytd only) | 1.7269% | 5,010 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.7083% | 1,018 |
| Assets per employee ($millions) | 6.7327% | 971 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1294% | 4,057 |
| Loan loss allowance to noncurrent loans | 46.1978% | 5,063 |
| Noncurrent assets plus other real estate owned to assets | 1.5281% | 1,463 |
| Noncurrent loans to loans | 2.4446% | 838 |
| Net loans and leases to total assets | 61.8019% | 3,639 |
| Net loans and leases to deposits | 77.8114% | 3,114 |
| Net loans and leases to core deposits | 83.0556% | 3,151 |
| Total domestic deposits to total assets | 79.4253% | 4,879 |
| Equity capital to assets | 16.2211% | 531 |
| Core capital (leverage) ratio | 16.2110% | 461 |
| Tier 1 risk-based capital ratio | 36.8224% | 309 |
| Total risk-based capital ratio | 38.0772% | 306 |
| Memoranda: | ||
| Average total assets | $111,847,750 | 4,268 |
| Average earning assets | $105,466,000 | 4,197 |
| Average equity | $18,453,250 | 3,347 |
| Average total loans | $63,938,250 | 4,305 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2839% | 5,467 |
| Cost of funding earning assets | 0.5327% | 1,960 |
| Net interest margin | 2.7512% | 5,705 |
| Noninterest income to average assets | 0.2163% | 5,403 |
| Noninterest expense to average assets | 2.4131% | 4,503 |
| Loan and lease loss provision to assets | 0.0721% | 2,668 |
| Net operating income to assets | 0.2721% | 5,525 |
| Return on assets (ROA) | 0.2721% | 5,610 |
| Pretax return on assets | 0.3280% | 5,608 |
| Return on Equity (ROE) | 1.6399% | 5,768 |
| Retained earnings to average equity (ytd only) | 1.6399% | 4,880 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.7783% | 1,075 |
| Assets per employee ($millions) | 6.5480% | 1,032 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2664% | 3,419 |
| Loan loss allowance to noncurrent loans | 45.5023% | 5,129 |
| Noncurrent assets plus other real estate owned to assets | 1.5380% | 1,588 |
| Noncurrent loans to loans | 2.7831% | 754 |
| Net loans and leases to total assets | 54.5618% | 4,494 |
| Net loans and leases to deposits | 66.7920% | 4,251 |
| Net loans and leases to core deposits | 71.2797% | 4,197 |
| Total domestic deposits to total assets | 81.6891% | 4,392 |
| Equity capital to assets | 16.5735% | 459 |
| Core capital (leverage) ratio | 16.4356% | 417 |
| Tier 1 risk-based capital ratio | 40.1054% | 252 |
| Total risk-based capital ratio | 41.3604% | 254 |
| Memoranda: | ||
| Average total assets | $110,978,330 | 4,322 |
| Average earning assets | $104,754,670 | 4,251 |
| Average equity | $18,415,670 | 3,371 |
| Average total loans | $61,403,000 | 4,426 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2782% | 5,497 |
| Cost of funding earning assets | 0.5241% | 2,067 |
| Net interest margin | 2.7541% | 5,733 |
| Noninterest income to average assets | 0.2058% | 5,482 |
| Noninterest expense to average assets | 2.4150% | 4,551 |
| Loan and lease loss provision to assets | 0.0541% | 2,856 |
| Net operating income to assets | 0.2780% | 5,483 |
| Return on assets (ROA) | 0.2780% | 5,580 |
| Pretax return on assets | 0.3357% | 5,566 |
| Return on Equity (ROE) | 1.6740% | 5,762 |
| Retained earnings to average equity (ytd only) | 1.6740% | 4,804 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.1004% | 1,176 |
| Assets per employee ($millions) | 6.5582% | 1,043 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2353% | 3,762 |
| Loan loss allowance to noncurrent loans | 52.2885% | 4,954 |
| Noncurrent assets plus other real estate owned to assets | 1.2934% | 2,057 |
| Noncurrent loans to loans | 2.3625% | 1,041 |
| Net loans and leases to total assets | 54.0699% | 4,438 |
| Net loans and leases to deposits | 66.1074% | 4,143 |
| Net loans and leases to core deposits | 70.1002% | 4,143 |
| Total domestic deposits to total assets | 81.7910% | 4,571 |
| Equity capital to assets | 16.5164% | 484 |
| Core capital (leverage) ratio | 16.5257% | 414 |
| Tier 1 risk-based capital ratio | 39.6150% | 265 |
| Total risk-based capital ratio | 40.8681% | 263 |
| Memoranda: | ||
| Average total assets | $110,809,500 | 4,350 |
| Average earning assets | $104,569,500 | 4,288 |
| Average equity | $18,399,000 | 3,393 |
| Average total loans | $61,347,000 | 4,459 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4031% | 5,524 |
| Cost of funding earning assets | 0.5235% | 2,456 |
| Net interest margin | 2.8796% | 5,685 |
| Noninterest income to average assets | 0.2037% | 5,640 |
| Noninterest expense to average assets | 2.4928% | 4,575 |
| Loan and lease loss provision to assets | 0.0856% | 2,758 |
| Net operating income to assets | 0.2901% | 5,542 |
| Return on assets (ROA) | 0.2893% | 5,613 |
| Pretax return on assets | 0.3362% | 5,632 |
| Return on Equity (ROE) | 1.7715% | 5,825 |
| Retained earnings to average equity (ytd only) | 1.7715% | 4,925 |
| Net charge-offs to loans | 0.0675% | 3,512 |
| Credit loss provision to net charge-offs | 226.1905% | 1,113 |
| Earnings coverage of net charge-offs (x) | 11.1667% | 2,534 |
| Efficiency ratio | 85.5023% | 1,232 |
| Assets per employee ($millions) | 6.8831% | 892 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1985% | 4,008 |
| Loan loss allowance to noncurrent loans | 49.2338% | 5,130 |
| Noncurrent assets plus other real estate owned to assets | 1.3629% | 2,048 |
| Noncurrent loans to loans | 2.4344% | 1,061 |
| Net loans and leases to total assets | 55.3155% | 4,407 |
| Net loans and leases to deposits | 67.6494% | 4,160 |
| Net loans and leases to core deposits | 71.7809% | 4,149 |
| Total domestic deposits to total assets | 81.7679% | 4,499 |
| Equity capital to assets | 16.6930% | 454 |
| Core capital (leverage) ratio | 15.8607% | 482 |
| Tier 1 risk-based capital ratio | 38.3882% | 260 |
| Total risk-based capital ratio | 39.6437% | 260 |
| Memoranda: | ||
| Average total assets | $110,960,400 | 4,366 |
| Average earning assets | $104,492,200 | 4,301 |
| Average equity | $18,119,800 | 3,385 |
| Average total loans | $62,223,400 | 4,422 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4138% | 5,570 |
| Cost of funding earning assets | 0.5265% | 2,498 |
| Net interest margin | 2.8873% | 5,727 |
| Noninterest income to average assets | 0.2015% | 5,721 |
| Noninterest expense to average assets | 2.4863% | 4,573 |
| Loan and lease loss provision to assets | 0.0959% | 2,445 |
| Net operating income to assets | 0.2925% | 5,613 |
| Return on assets (ROA) | 0.2914% | 5,684 |
| Pretax return on assets | 0.3346% | 5,706 |
| Return on Equity (ROE) | 1.7946% | 5,885 |
| Retained earnings to average equity (ytd only) | 1.7946% | 5,156 |
| Net charge-offs to loans | 0.0727% | 3,156 |
| Credit loss provision to net charge-offs | 235.2941% | 1,110 |
| Earnings coverage of net charge-offs (x) | 10.5888% | 2,528 |
| Efficiency ratio | 85.2035% | 1,262 |
| Assets per employee ($millions) | 6.4794% | 1,032 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2137% | 4,154 |
| Loan loss allowance to noncurrent loans | 46.8930% | 5,251 |
| Noncurrent assets plus other real estate owned to assets | 1.5878% | 1,925 |
| Noncurrent loans to loans | 2.5882% | 1,110 |
| Net loans and leases to total assets | 54.0899% | 4,567 |
| Net loans and leases to deposits | 66.1625% | 4,310 |
| Net loans and leases to core deposits | 69.9641% | 4,324 |
| Total domestic deposits to total assets | 81.7531% | 4,561 |
| Equity capital to assets | 16.5783% | 480 |
| Core capital (leverage) ratio | 15.8096% | 507 |
| Tier 1 risk-based capital ratio | 38.7101% | 262 |
| Total risk-based capital ratio | 39.9659% | 259 |
| Memoranda: | ||
| Average total assets | $111,168,000 | 4,399 |
| Average earning assets | $104,592,000 | 4,335 |
| Average equity | $18,053,750 | 3,410 |
| Average total loans | $62,364,750 | 4,447 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4394% | 5,544 |
| Cost of funding earning assets | 0.5316% | 2,523 |
| Net interest margin | 2.9077% | 5,722 |
| Noninterest income to average assets | 0.2170% | 5,650 |
| Noninterest expense to average assets | 2.4913% | 4,601 |
| Loan and lease loss provision to assets | 0.1166% | 2,091 |
| Net operating income to assets | 0.2834% | 5,619 |
| Return on assets (ROA) | 0.2834% | 5,689 |
| Pretax return on assets | 0.3462% | 5,682 |
| Return on Equity (ROE) | 1.7571% | 5,898 |
| Retained earnings to average equity (ytd only) | 1.7571% | 5,019 |
| Net charge-offs to loans | 0.1079% | 2,597 |
| Credit loss provision to net charge-offs | 191.1765% | 1,217 |
| Earnings coverage of net charge-offs (x) | 7.5882% | 2,606 |
| Efficiency ratio | 84.3352% | 1,465 |
| Assets per employee ($millions) | 6.1078% | 1,216 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1529% | 4,651 |
| Loan loss allowance to noncurrent loans | 41.8564% | 5,446 |
| Noncurrent assets plus other real estate owned to assets | 1.7209% | 1,898 |
| Noncurrent loans to loans | 2.7543% | 1,091 |
| Net loans and leases to total assets | 55.9178% | 4,299 |
| Net loans and leases to deposits | 68.3029% | 4,018 |
| Net loans and leases to core deposits | 72.2219% | 4,032 |
| Total domestic deposits to total assets | 81.8674% | 4,695 |
| Equity capital to assets | 16.5063% | 477 |
| Core capital (leverage) ratio | 15.6143% | 526 |
| Tier 1 risk-based capital ratio | 37.1266% | 294 |
| Total risk-based capital ratio | 38.3797% | 290 |
| Memoranda: | ||
| Average total assets | $111,507,330 | 4,416 |
| Average earning assets | $104,961,670 | 4,350 |
| Average equity | $17,984,670 | 3,419 |
| Average total loans | $63,049,000 | 4,453 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4660% | 5,512 |
| Cost of funding earning assets | 0.5481% | 2,437 |
| Net interest margin | 2.9179% | 5,714 |
| Noninterest income to average assets | 0.2814% | 5,118 |
| Noninterest expense to average assets | 2.6218% | 4,205 |
| Loan and lease loss provision to assets | 0.1069% | 2,140 |
| Net operating income to assets | 0.2565% | 5,645 |
| Return on assets (ROA) | 0.2565% | 5,686 |
| Pretax return on assets | 0.3028% | 5,711 |
| Return on Equity (ROE) | 1.6086% | 5,895 |
| Retained earnings to average equity (ytd only) | 1.6086% | 4,964 |
| Net charge-offs to loans | 0.0630% | 2,529 |
| Credit loss provision to net charge-offs | 300.0000% | 788 |
| Earnings coverage of net charge-offs (x) | 11.5000% | 1,779 |
| Efficiency ratio | 86.4865% | 1,395 |
| Assets per employee ($millions) | 5.8852% | 1,385 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1124% | 5,068 |
| Loan loss allowance to noncurrent loans | 41.4806% | 5,523 |
| Noncurrent assets plus other real estate owned to assets | 1.6822% | 2,102 |
| Noncurrent loans to loans | 2.6818% | 1,260 |
| Net loans and leases to total assets | 56.1260% | 4,131 |
| Net loans and leases to deposits | 68.1830% | 3,839 |
| Net loans and leases to core deposits | 71.9994% | 3,870 |
| Total domestic deposits to total assets | 82.3168% | 4,847 |
| Equity capital to assets | 16.1012% | 513 |
| Core capital (leverage) ratio | 15.3785% | 556 |
| Tier 1 risk-based capital ratio | 36.8317% | 291 |
| Total risk-based capital ratio | 38.0855% | 287 |
| Memoranda: | ||
| Average total assets | $112,291,000 | 4,439 |
| Average earning assets | $105,829,000 | 4,367 |
| Average equity | $17,903,500 | 3,437 |
| Average total loans | $63,477,000 | 4,477 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3748% | 5,887 |
| Cost of funding earning assets | 0.6258% | 2,431 |
| Net interest margin | 2.7490% | 6,066 |
| Noninterest income to average assets | 0.1656% | 6,097 |
| Noninterest expense to average assets | 2.4317% | 4,984 |
| Loan and lease loss provision to assets | 0.0705% | 3,715 |
| Net operating income to assets | 0.2325% | 5,742 |
| Return on assets (ROA) | 0.2325% | 5,805 |
| Pretax return on assets | 0.2440% | 5,855 |
| Return on Equity (ROE) | 1.4833% | 5,988 |
| Retained earnings to average equity (ytd only) | 1.4833% | 5,151 |
| Net charge-offs to loans | 0.2317% | 2,601 |
| Credit loss provision to net charge-offs | 54.7945% | 3,707 |
| Earnings coverage of net charge-offs (x) | 2.4452% | 4,193 |
| Efficiency ratio | 88.5504% | 1,162 |
| Assets per employee ($millions) | 5.9349% | 1,311 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0805% | 5,241 |
| Loan loss allowance to noncurrent loans | 39.6761% | 5,643 |
| Noncurrent assets plus other real estate owned to assets | 1.8375% | 1,992 |
| Noncurrent loans to loans | 2.7233% | 1,330 |
| Net loans and leases to total assets | 55.6942% | 4,359 |
| Net loans and leases to deposits | 67.3599% | 4,139 |
| Net loans and leases to core deposits | 71.0715% | 4,179 |
| Total domestic deposits to total assets | 82.6815% | 4,647 |
| Equity capital to assets | 15.7878% | 562 |
| Core capital (leverage) ratio | 15.3213% | 564 |
| Tier 1 risk-based capital ratio | 36.3567% | 289 |
| Total risk-based capital ratio | 37.6094% | 286 |
| Memoranda: | ||
| Average total assets | $113,541,400 | 4,419 |
| Average earning assets | $106,585,600 | 4,347 |
| Average equity | $17,798,000 | 3,449 |
| Average total loans | $63,000,600 | 4,513 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3561% | 5,965 |
| Cost of funding earning assets | 0.6425% | 2,431 |
| Net interest margin | 2.7137% | 6,155 |
| Noninterest income to average assets | 0.1805% | 6,114 |
| Noninterest expense to average assets | 2.4336% | 4,923 |
| Loan and lease loss provision to assets | 0.0762% | 3,534 |
| Net operating income to assets | 0.2110% | 5,883 |
| Return on assets (ROA) | 0.2110% | 5,969 |
| Pretax return on assets | 0.2157% | 6,014 |
| Return on Equity (ROE) | 1.3485% | 6,109 |
| Retained earnings to average equity (ytd only) | 1.3485% | 5,442 |
| Net charge-offs to loans | 0.3075% | 1,998 |
| Credit loss provision to net charge-offs | 44.8276% | 3,618 |
| Earnings coverage of net charge-offs (x) | 1.7172% | 4,266 |
| Efficiency ratio | 89.2903% | 1,054 |
| Assets per employee ($millions) | 5.9403% | 1,275 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0692% | 5,446 |
| Loan loss allowance to noncurrent loans | 35.6499% | 5,780 |
| Noncurrent assets plus other real estate owned to assets | 1.8101% | 2,262 |
| Noncurrent loans to loans | 2.9993% | 1,344 |
| Net loans and leases to total assets | 55.0883% | 4,445 |
| Net loans and leases to deposits | 66.5027% | 4,240 |
| Net loans and leases to core deposits | 69.8262% | 4,343 |
| Total domestic deposits to total assets | 82.8363% | 4,640 |
| Equity capital to assets | 15.7248% | 589 |
| Core capital (leverage) ratio | 15.2403% | 603 |
| Tier 1 risk-based capital ratio | 36.8654% | 290 |
| Total risk-based capital ratio | 38.1189% | 287 |
| Memoranda: | ||
| Average total assets | $113,735,750 | 4,458 |
| Average earning assets | $106,667,250 | 4,390 |
| Average equity | $17,796,750 | 3,493 |
| Average total loans | $62,878,500 | 4,559 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3255% | 6,047 |
| Cost of funding earning assets | 0.6625% | 2,384 |
| Net interest margin | 2.6630% | 6,236 |
| Noninterest income to average assets | 0.1508% | 6,293 |
| Noninterest expense to average assets | 2.3574% | 5,182 |
| Loan and lease loss provision to assets | 0.0877% | 3,328 |
| Net operating income to assets | 0.1947% | 5,911 |
| Return on assets (ROA) | 0.1947% | 6,033 |
| Pretax return on assets | 0.2017% | 6,082 |
| Return on Equity (ROE) | 1.2463% | 6,155 |
| Retained earnings to average equity (ytd only) | 1.2463% | 5,398 |
| Net charge-offs to loans | 0.4516% | 1,452 |
| Credit loss provision to net charge-offs | 35.2113% | 3,499 |
| Earnings coverage of net charge-offs (x) | 1.1620% | 4,150 |
| Efficiency ratio | 89.0656% | 1,125 |
| Assets per employee ($millions) | 5.9663% | 1,222 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0564% | 5,597 |
| Loan loss allowance to noncurrent loans | 46.8706% | 5,345 |
| Noncurrent assets plus other real estate owned to assets | 1.6884% | 2,578 |
| Noncurrent loans to loans | 2.2538% | 2,113 |
| Net loans and leases to total assets | 54.4495% | 4,526 |
| Net loans and leases to deposits | 65.6806% | 4,302 |
| Net loans and leases to core deposits | 68.9399% | 4,401 |
| Total domestic deposits to total assets | 82.9005% | 4,738 |
| Equity capital to assets | 15.6775% | 585 |
| Core capital (leverage) ratio | 15.5407% | 515 |
| Tier 1 risk-based capital ratio | 33.6422% | 385 |
| Total risk-based capital ratio | 34.8915% | 379 |
| Memoranda: | ||
| Average total assets | $114,025,670 | 4,486 |
| Average earning assets | $106,871,000 | 4,414 |
| Average equity | $17,813,000 | 3,514 |
| Average total loans | $62,888,670 | 4,576 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3665% | 6,010 |
| Cost of funding earning assets | 0.6793% | 2,399 |
| Net interest margin | 2.6872% | 6,235 |
| Noninterest income to average assets | 0.1889% | 6,118 |
| Noninterest expense to average assets | 2.5254% | 4,673 |
| Loan and lease loss provision to assets | 0.0525% | 3,745 |
| Net operating income to assets | 0.1469% | 6,051 |
| Return on assets (ROA) | 0.1469% | 6,147 |
| Pretax return on assets | 0.1294% | 6,210 |
| Return on Equity (ROE) | 0.9420% | 6,232 |
| Retained earnings to average equity (ytd only) | 0.9420% | 5,468 |
| Net charge-offs to loans | 0.5448% | 1,111 |
| Credit loss provision to net charge-offs | 17.4419% | 3,075 |
| Earnings coverage of net charge-offs (x) | 0.6047% | 3,619 |
| Efficiency ratio | 93.2817% | 893 |
| Assets per employee ($millions) | 6.0293% | 1,237 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0882% | 5,654 |
| Loan loss allowance to noncurrent loans | 42.0012% | 5,509 |
| Noncurrent assets plus other real estate owned to assets | 1.6848% | 2,765 |
| Noncurrent loans to loans | 2.5909% | 1,994 |
| Net loans and leases to total assets | 53.9531% | 4,426 |
| Net loans and leases to deposits | 64.9868% | 4,187 |
| Net loans and leases to core deposits | 67.8832% | 4,314 |
| Total domestic deposits to total assets | 83.0216% | 4,847 |
| Equity capital to assets | 15.5713% | 628 |
| Core capital (leverage) ratio | 15.0361% | 589 |
| Tier 1 risk-based capital ratio | 23.6982% | 1,061 |
| Total risk-based capital ratio | 24.6412% | 1,080 |
| Memoranda: | ||
| Average total assets | $114,358,500 | 4,518 |
| Average earning assets | $107,174,000 | 4,441 |
| Average equity | $17,833,500 | 3,548 |
| Average total loans | $63,141,500 | 4,593 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4508% | 6,413 |
| Cost of funding earning assets | 0.7841% | 2,791 |
| Net interest margin | 2.6667% | 6,566 |
| Noninterest income to average assets | 0.1712% | 6,174 |
| Noninterest expense to average assets | 2.4604% | 5,223 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.1910% | 5,804 |
| Return on assets (ROA) | 0.1910% | 5,977 |
| Pretax return on assets | 0.2211% | 5,958 |
| Return on Equity (ROE) | 1.2535% | 6,072 |
| Retained earnings to average equity (ytd only) | 1.2535% | 5,242 |
| Net charge-offs to loans | 0.3186% | 3,048 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 1.2915% | 4,815 |
| Efficiency ratio | 91.7549% | 935 |
| Assets per employee ($millions) | 6.0084% | 1,268 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1788% | 5,217 |
| Loan loss allowance to noncurrent loans | 50.6739% | 5,095 |
| Noncurrent assets plus other real estate owned to assets | 1.5724% | 3,029 |
| Noncurrent loans to loans | 2.3262% | 2,310 |
| Net loans and leases to total assets | 55.2242% | 4,416 |
| Net loans and leases to deposits | 66.5337% | 4,200 |
| Net loans and leases to core deposits | 69.5006% | 4,377 |
| Total domestic deposits to total assets | 83.0019% | 4,727 |
| Equity capital to assets | 15.6176% | 617 |
| Core capital (leverage) ratio | 15.2101% | 544 |
| Tier 1 risk-based capital ratio | 36.0940% | 312 |
| Total risk-based capital ratio | 37.3399% | 305 |
| Memoranda: | ||
| Average total assets | $116,241,600 | 4,434 |
| Average earning assets | $109,423,600 | 4,354 |
| Average equity | $17,710,400 | 3,509 |
| Average total loans | $62,468,400 | 4,610 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4582% | 6,554 |
| Cost of funding earning assets | 0.7985% | 2,955 |
| Net interest margin | 2.6597% | 6,697 |
| Noninterest income to average assets | 0.1656% | 6,316 |
| Noninterest expense to average assets | 2.4619% | 5,211 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.1804% | 5,964 |
| Return on assets (ROA) | 0.1804% | 6,121 |
| Pretax return on assets | 0.2101% | 6,102 |
| Return on Equity (ROE) | 1.1915% | 6,218 |
| Retained earnings to average equity (ytd only) | 1.1915% | 5,701 |
| Net charge-offs to loans | 0.4227% | 2,404 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 0.9340% | 4,859 |
| Efficiency ratio | 92.1368% | 880 |
| Assets per employee ($millions) | 6.0685% | 1,213 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2260% | 5,164 |
| Loan loss allowance to noncurrent loans | 56.2267% | 4,840 |
| Noncurrent assets plus other real estate owned to assets | 1.1630% | 3,958 |
| Noncurrent loans to loans | 2.1805% | 2,646 |
| Net loans and leases to total assets | 52.6851% | 4,958 |
| Net loans and leases to deposits | 63.3045% | 4,800 |
| Net loans and leases to core deposits | 65.9090% | 4,963 |
| Total domestic deposits to total assets | 83.2249% | 4,553 |
| Equity capital to assets | 15.4221% | 717 |
| Core capital (leverage) ratio | 14.9937% | 608 |
| Tier 1 risk-based capital ratio | 37.4319% | 306 |
| Total risk-based capital ratio | 38.6856% | 300 |
| Memoranda: | ||
| Average total assets | $116,762,000 | 4,469 |
| Average earning assets | $110,035,250 | 4,386 |
| Average equity | $17,680,750 | 3,548 |
| Average total loans | $62,136,500 | 4,676 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4777% | 6,633 |
| Cost of funding earning assets | 0.8142% | 3,085 |
| Net interest margin | 2.6635% | 6,756 |
| Noninterest income to average assets | 0.1689% | 6,335 |
| Noninterest expense to average assets | 2.4512% | 5,292 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.1689% | 6,004 |
| Return on assets (ROA) | 0.1689% | 6,178 |
| Pretax return on assets | 0.2286% | 6,100 |
| Return on Equity (ROE) | 1.1220% | 6,278 |
| Retained earnings to average equity (ytd only) | 1.1220% | 5,624 |
| Net charge-offs to loans | 0.6031% | 1,810 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 0.7128% | 4,695 |
| Efficiency ratio | 91.4704% | 961 |
| Assets per employee ($millions) | 6.5328% | 937 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2453% | 5,144 |
| Loan loss allowance to noncurrent loans | 58.3908% | 4,723 |
| Noncurrent assets plus other real estate owned to assets | 1.1098% | 4,168 |
| Noncurrent loans to loans | 2.1327% | 2,784 |
| Net loans and leases to total assets | 51.3887% | 5,170 |
| Net loans and leases to deposits | 61.3981% | 5,085 |
| Net loans and leases to core deposits | 63.8484% | 5,225 |
| Total domestic deposits to total assets | 83.6976% | 4,440 |
| Equity capital to assets | 15.0583% | 774 |
| Core capital (leverage) ratio | 14.7699% | 642 |
| Tier 1 risk-based capital ratio | 37.5480% | 290 |
| Total risk-based capital ratio | 38.8033% | 279 |
| Memoranda: | ||
| Average total assets | $117,248,670 | 4,473 |
| Average earning assets | $110,533,000 | 4,401 |
| Average equity | $17,647,000 | 3,549 |
| Average total loans | $62,348,330 | 4,701 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5825% | 6,595 |
| Cost of funding earning assets | 0.8303% | 3,224 |
| Net interest margin | 2.7521% | 6,711 |
| Noninterest income to average assets | 0.1777% | 6,318 |
| Noninterest expense to average assets | 2.4633% | 5,276 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.2152% | 5,940 |
| Return on assets (ROA) | 0.2152% | 6,085 |
| Pretax return on assets | 0.3075% | 5,966 |
| Return on Equity (ROE) | 1.4304% | 6,241 |
| Retained earnings to average equity (ytd only) | 1.4304% | 5,517 |
| Net charge-offs to loans | 1.1060% | 931 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 0.5172% | 4,082 |
| Efficiency ratio | 88.9026% | 1,187 |
| Assets per employee ($millions) | 7.3338% | 642 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2609% | 5,198 |
| Loan loss allowance to noncurrent loans | 59.3130% | 4,569 |
| Noncurrent assets plus other real estate owned to assets | 1.1164% | 4,266 |
| Noncurrent loans to loans | 2.1258% | 2,993 |
| Net loans and leases to total assets | 51.8540% | 5,040 |
| Net loans and leases to deposits | 61.8832% | 4,938 |
| Net loans and leases to core deposits | 64.1734% | 5,094 |
| Total domestic deposits to total assets | 83.7934% | 4,596 |
| Equity capital to assets | 14.9948% | 749 |
| Core capital (leverage) ratio | 14.7846% | 637 |
| Tier 1 risk-based capital ratio | 38.0607% | 267 |
| Total risk-based capital ratio | 39.3160% | 258 |
| Memoranda: | ||
| Average total assets | $117,078,000 | 4,513 |
| Average earning assets | $110,315,500 | 4,429 |
| Average equity | $17,617,000 | 3,553 |
| Average total loans | $62,927,500 | 4,702 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8034% | 6,726 |
| Cost of funding earning assets | 0.9569% | 3,674 |
| Net interest margin | 2.8466% | 6,766 |
| Noninterest income to average assets | 0.1392% | 6,460 |
| Noninterest expense to average assets | 2.3515% | 5,903 |
| Loan and lease loss provision to assets | 0.1307% | 4,982 |
| Net operating income to assets | 0.2497% | 5,425 |
| Return on assets (ROA) | 0.2497% | 5,568 |
| Pretax return on assets | 0.3568% | 5,413 |
| Return on Equity (ROE) | 1.6944% | 5,778 |
| Retained earnings to average equity (ytd only) | 1.6944% | 5,008 |
| Net charge-offs to loans | 0.3082% | 3,859 |
| Credit loss provision to net charge-offs | 78.2828% | 4,539 |
| Earnings coverage of net charge-offs (x) | 2.9192% | 3,744 |
| Efficiency ratio | 82.8283% | 1,911 |
| Assets per employee ($millions) | 7.7877% | 510 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4806% | 4,108 |
| Loan loss allowance to noncurrent loans | 88.3829% | 3,384 |
| Noncurrent assets plus other real estate owned to assets | 0.9211% | 4,770 |
| Noncurrent loans to loans | 1.6752% | 3,652 |
| Net loans and leases to total assets | 54.1720% | 5,014 |
| Net loans and leases to deposits | 64.6298% | 4,919 |
| Net loans and leases to core deposits | 67.0229% | 5,154 |
| Total domestic deposits to total assets | 83.8189% | 4,404 |
| Equity capital to assets | 15.0999% | 755 |
| Core capital (leverage) ratio | 14.8441% | 636 |
| Tier 1 risk-based capital ratio | 37.1917% | 286 |
| Total risk-based capital ratio | 38.4516% | 281 |
| Memoranda: | ||
| Average total assets | $118,561,800 | 4,443 |
| Average earning assets | $112,451,400 | 4,319 |
| Average equity | $17,469,200 | 3,507 |
| Average total loans | $64,253,000 | 4,704 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8100% | 6,828 |
| Cost of funding earning assets | 0.9723% | 3,867 |
| Net interest margin | 2.8377% | 6,842 |
| Noninterest income to average assets | 0.1367% | 6,569 |
| Noninterest expense to average assets | 2.3496% | 5,903 |
| Loan and lease loss provision to assets | 0.1401% | 4,689 |
| Net operating income to assets | 0.2342% | 5,609 |
| Return on assets (ROA) | 0.2342% | 5,746 |
| Pretax return on assets | 0.3417% | 5,618 |
| Return on Equity (ROE) | 1.5990% | 5,905 |
| Retained earnings to average equity (ytd only) | 1.5990% | 5,341 |
| Net charge-offs to loans | 0.4669% | 2,870 |
| Credit loss provision to net charge-offs | 55.5556% | 4,904 |
| Earnings coverage of net charge-offs (x) | 1.9111% | 4,227 |
| Efficiency ratio | 82.9838% | 1,852 |
| Assets per employee ($millions) | 6.5246% | 938 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3760% | 4,657 |
| Loan loss allowance to noncurrent loans | 58.8429% | 4,518 |
| Noncurrent assets plus other real estate owned to assets | 1.5020% | 3,862 |
| Noncurrent loans to loans | 2.3384% | 2,960 |
| Net loans and leases to total assets | 54.6214% | 5,068 |
| Net loans and leases to deposits | 65.0658% | 5,039 |
| Net loans and leases to core deposits | 67.2788% | 5,270 |
| Total domestic deposits to total assets | 83.9480% | 4,254 |
| Equity capital to assets | 14.9434% | 862 |
| Core capital (leverage) ratio | 14.7079% | 726 |
| Tier 1 risk-based capital ratio | 36.5333% | 310 |
| Total risk-based capital ratio | 37.7919% | 305 |
| Memoranda: | ||
| Average total assets | $118,998,500 | 4,459 |
| Average earning assets | $112,999,250 | 4,326 |
| Average equity | $17,426,750 | 3,520 |
| Average total loans | $64,258,250 | 4,737 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7977% | 6,919 |
| Cost of funding earning assets | 0.9864% | 4,042 |
| Net interest margin | 2.8114% | 6,911 |
| Noninterest income to average assets | 0.1004% | 6,820 |
| Noninterest expense to average assets | 2.3829% | 5,896 |
| Loan and lease loss provision to assets | 0.1088% | 4,939 |
| Net operating income to assets | 0.2008% | 5,735 |
| Return on assets (ROA) | 0.2008% | 5,853 |
| Pretax return on assets | 0.2845% | 5,702 |
| Return on Equity (ROE) | 1.3804% | 5,988 |
| Retained earnings to average equity (ytd only) | 1.3804% | 5,303 |
| Net charge-offs to loans | 0.4500% | 2,777 |
| Credit loss provision to net charge-offs | 45.1389% | 4,704 |
| Earnings coverage of net charge-offs (x) | 1.6319% | 4,069 |
| Efficiency ratio | 85.8348% | 1,617 |
| Assets per employee ($millions) | 6.2064% | 1,064 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4030% | 4,553 |
| Loan loss allowance to noncurrent loans | 58.3439% | 4,549 |
| Noncurrent assets plus other real estate owned to assets | 1.5375% | 3,898 |
| Noncurrent loans to loans | 2.4048% | 2,984 |
| Net loans and leases to total assets | 54.5878% | 5,209 |
| Net loans and leases to deposits | 64.8065% | 5,176 |
| Net loans and leases to core deposits | 66.4345% | 5,454 |
| Total domestic deposits to total assets | 84.2319% | 4,247 |
| Equity capital to assets | 14.8022% | 863 |
| Core capital (leverage) ratio | 14.5966% | 746 |
| Tier 1 risk-based capital ratio | 35.7683% | 330 |
| Total risk-based capital ratio | 37.0257% | 325 |
| Memoranda: | ||
| Average total assets | $119,517,000 | 4,471 |
| Average earning assets | $113,751,670 | 4,341 |
| Average equity | $17,385,670 | 3,512 |
| Average total loans | $63,996,330 | 4,795 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7596% | 6,998 |
| Cost of funding earning assets | 1.0007% | 4,201 |
| Net interest margin | 2.7589% | 6,961 |
| Noninterest income to average assets | 0.0898% | 6,967 |
| Noninterest expense to average assets | 2.3638% | 6,008 |
| Loan and lease loss provision to assets | 0.0831% | 4,957 |
| Net operating income to assets | 0.1928% | 5,805 |
| Return on assets (ROA) | 0.1928% | 5,865 |
| Pretax return on assets | 0.2826% | 5,709 |
| Return on Equity (ROE) | 1.3371% | 6,042 |
| Retained earnings to average equity (ytd only) | 1.3371% | 5,293 |
| Net charge-offs to loans | 0.5998% | 1,994 |
| Credit loss provision to net charge-offs | 26.3158% | 4,178 |
| Earnings coverage of net charge-offs (x) | 1.1579% | 3,790 |
| Efficiency ratio | 86.6017% | 1,648 |
| Assets per employee ($millions) | 7.5118% | 582 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4671% | 4,359 |
| Loan loss allowance to noncurrent loans | 84.3978% | 3,370 |
| Noncurrent assets plus other real estate owned to assets | 1.1066% | 4,705 |
| Noncurrent loans to loans | 1.7384% | 3,903 |
| Net loans and leases to total assets | 51.6882% | 5,621 |
| Net loans and leases to deposits | 61.1122% | 5,606 |
| Net loans and leases to core deposits | 62.5975% | 5,865 |
| Total domestic deposits to total assets | 84.5792% | 4,235 |
| Equity capital to assets | 14.4507% | 892 |
| Core capital (leverage) ratio | 14.2773% | 783 |
| Tier 1 risk-based capital ratio | 37.3069% | 291 |
| Total risk-based capital ratio | 38.5665% | 283 |
| Memoranda: | ||
| Average total assets | $120,314,500 | 4,471 |
| Average earning assets | $115,117,500 | 4,321 |
| Average equity | $17,351,000 | 3,514 |
| Average total loans | $63,351,000 | 4,856 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1848% | 6,946 |
| Cost of funding earning assets | 1.3288% | 3,693 |
| Net interest margin | 2.8560% | 6,965 |
| Noninterest income to average assets | 0.0842% | 6,972 |
| Noninterest expense to average assets | 2.2002% | 6,614 |
| Loan and lease loss provision to assets | 0.2938% | 4,450 |
| Net operating income to assets | 0.2228% | 5,208 |
| Return on assets (ROA) | 0.2228% | 5,357 |
| Pretax return on assets | 0.3359% | 5,125 |
| Return on Equity (ROE) | 1.5707% | 5,535 |
| Retained earnings to average equity (ytd only) | 1.5707% | 4,743 |
| Net charge-offs to loans | 0.0662% | 6,132 |
| Credit loss provision to net charge-offs | 809.0909% | 268 |
| Earnings coverage of net charge-offs (x) | 17.3409% | 1,157 |
| Efficiency ratio | 77.7486% | 2,751 |
| Assets per employee ($millions) | 7.0848% | 719 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5631% | 3,725 |
| Loan loss allowance to noncurrent loans | 70.1198% | 3,921 |
| Noncurrent assets plus other real estate owned to assets | 1.1782% | 4,655 |
| Noncurrent loans to loans | 2.2292% | 3,297 |
| Net loans and leases to total assets | 52.0246% | 5,903 |
| Net loans and leases to deposits | 61.4021% | 5,909 |
| Net loans and leases to core deposits | 62.5464% | 6,189 |
| Total domestic deposits to total assets | 84.7278% | 3,981 |
| Equity capital to assets | 14.3921% | 932 |
| Core capital (leverage) ratio | 14.0534% | 835 |
| Tier 1 risk-based capital ratio | 24.7542% | 868 |
| Total risk-based capital ratio | 26.0069% | 852 |
| Memoranda: | ||
| Average total assets | $121,173,400 | 4,462 |
| Average earning assets | $116,493,000 | 4,305 |
| Average equity | $17,189,600 | 3,558 |
| Average total loans | $66,420,200 | 4,810 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3467% | 6,902 |
| Cost of funding earning assets | 1.3997% | 3,588 |
| Net interest margin | 2.9469% | 6,934 |
| Noninterest income to average assets | 0.0802% | 7,133 |
| Noninterest expense to average assets | 2.1688% | 6,688 |
| Loan and lease loss provision to assets | 0.3692% | 3,686 |
| Net operating income to assets | 0.2450% | 5,371 |
| Return on assets (ROA) | 0.2450% | 5,525 |
| Pretax return on assets | 0.3736% | 5,300 |
| Return on Equity (ROE) | 1.7333% | 5,693 |
| Retained earnings to average equity (ytd only) | 1.7333% | 5,095 |
| Net charge-offs to loans | 0.0874% | 5,657 |
| Credit loss provision to net charge-offs | 763.6364% | 389 |
| Earnings coverage of net charge-offs (x) | 15.3624% | 1,446 |
| Efficiency ratio | 74.4906% | 3,230 |
| Assets per employee ($millions) | 7.6860% | 570 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5032% | 3,939 |
| Loan loss allowance to noncurrent loans | 70.0935% | 3,811 |
| Noncurrent assets plus other real estate owned to assets | 1.1311% | 4,855 |
| Noncurrent loans to loans | 2.1446% | 3,519 |
| Net loans and leases to total assets | 51.9492% | 6,111 |
| Net loans and leases to deposits | 61.1539% | 6,201 |
| Net loans and leases to core deposits | 62.4237% | 6,419 |
| Total domestic deposits to total assets | 84.9483% | 3,640 |
| Equity capital to assets | 14.0881% | 1,143 |
| Core capital (leverage) ratio | 13.8834% | 943 |
| Tier 1 risk-based capital ratio | 24.7384% | 872 |
| Total risk-based capital ratio | 25.9910% | 860 |
| Memoranda: | ||
| Average total assets | $121,356,500 | 4,519 |
| Average earning assets | $116,592,500 | 4,367 |
| Average equity | $17,153,500 | 3,613 |
| Average total loans | $67,111,750 | 4,855 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6102% | 6,429 |
| Cost of funding earning assets | 1.4603% | 3,494 |
| Net interest margin | 3.1499% | 6,464 |
| Noninterest income to average assets | 0.0761% | 7,208 |
| Noninterest expense to average assets | 2.1752% | 6,712 |
| Loan and lease loss provision to assets | 0.4470% | 3,088 |
| Net operating income to assets | 0.3062% | 5,153 |
| Return on assets (ROA) | 0.3062% | 5,309 |
| Pretax return on assets | 0.4784% | 4,967 |
| Return on Equity (ROE) | 2.1642% | 5,587 |
| Retained earnings to average equity (ytd only) | 2.1642% | 4,771 |
| Net charge-offs to loans | 0.1297% | 4,905 |
| Credit loss provision to net charge-offs | 613.6364% | 594 |
| Earnings coverage of net charge-offs (x) | 12.7045% | 1,657 |
| Efficiency ratio | 70.1548% | 4,163 |
| Assets per employee ($millions) | 7.6713% | 574 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3814% | 4,517 |
| Loan loss allowance to noncurrent loans | 79.9472% | 3,391 |
| Noncurrent assets plus other real estate owned to assets | 1.1504% | 4,829 |
| Noncurrent loans to loans | 1.7279% | 4,096 |
| Net loans and leases to total assets | 52.8719% | 6,119 |
| Net loans and leases to deposits | 62.2345% | 6,213 |
| Net loans and leases to core deposits | 64.0072% | 6,401 |
| Total domestic deposits to total assets | 84.9560% | 3,656 |
| Equity capital to assets | 14.0794% | 1,137 |
| Core capital (leverage) ratio | 14.2042% | 874 |
| Tier 1 risk-based capital ratio | 35.6468% | 331 |
| Total risk-based capital ratio | 36.9044% | 323 |
| Memoranda: | ||
| Average total assets | $120,816,670 | 4,552 |
| Average earning assets | $116,003,000 | 4,415 |
| Average equity | $17,096,330 | 3,621 |
| Average total loans | $67,862,330 | 4,867 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8134% | 5,845 |
| Cost of funding earning assets | 1.5129% | 3,472 |
| Net interest margin | 3.3005% | 5,969 |
| Noninterest income to average assets | 0.0801% | 7,301 |
| Noninterest expense to average assets | 2.2394% | 6,584 |
| Loan and lease loss provision to assets | 0.4339% | 2,790 |
| Net operating income to assets | 0.3671% | 4,990 |
| Return on assets (ROA) | 0.3671% | 5,113 |
| Pretax return on assets | 0.5740% | 4,703 |
| Return on Equity (ROE) | 2.5876% | 5,526 |
| Retained earnings to average equity (ytd only) | 2.5876% | 4,588 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9620% | 4,512 |
| Assets per employee ($millions) | 8.0025% | 518 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1998% | 5,503 |
| Loan loss allowance to noncurrent loans | 70.3896% | 3,836 |
| Noncurrent assets plus other real estate owned to assets | 1.1921% | 4,791 |
| Noncurrent loans to loans | 1.7046% | 4,186 |
| Net loans and leases to total assets | 55.7711% | 5,780 |
| Net loans and leases to deposits | 65.8146% | 5,845 |
| Net loans and leases to core deposits | 67.9241% | 6,109 |
| Total domestic deposits to total assets | 84.7397% | 3,783 |
| Equity capital to assets | 14.3089% | 1,063 |
| Core capital (leverage) ratio | 14.1417% | 925 |
| Tier 1 risk-based capital ratio | 35.1630% | 354 |
| Total risk-based capital ratio | 36.4174% | 349 |
| Memoranda: | ||
| Average total assets | $119,855,000 | 4,629 |
| Average earning assets | $115,012,500 | 4,499 |
| Average equity | $17,004,000 | 3,652 |
| Average total loans | $68,891,500 | 4,901 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0017% | 6,425 |
| Cost of funding earning assets | 2.0911% | 2,507 |
| Net interest margin | 2.9106% | 6,844 |
| Noninterest income to average assets | 0.0895% | 7,314 |
| Noninterest expense to average assets | 2.1825% | 7,031 |
| Loan and lease loss provision to assets | 0.1688% | 6,001 |
| Net operating income to assets | 0.3384% | 4,381 |
| Return on assets (ROA) | 0.3384% | 4,467 |
| Pretax return on assets | 0.5410% | 4,075 |
| Return on Equity (ROE) | 2.4111% | 4,744 |
| Retained earnings to average equity (ytd only) | 2.4111% | 3,443 |
| Net charge-offs to loans | 0.1200% | 5,978 |
| Credit loss provision to net charge-offs | 229.8851% | 1,603 |
| Earnings coverage of net charge-offs (x) | 9.6667% | 1,766 |
| Efficiency ratio | 75.4596% | 3,623 |
| Assets per employee ($millions) | 7.9782% | 520 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9754% | 6,506 |
| Loan loss allowance to noncurrent loans | 58.9301% | 4,456 |
| Noncurrent assets plus other real estate owned to assets | 1.2392% | 4,616 |
| Noncurrent loans to loans | 1.6551% | 4,165 |
| Net loans and leases to total assets | 57.9421% | 5,672 |
| Net loans and leases to deposits | 68.2651% | 5,791 |
| Net loans and leases to core deposits | 90.4940% | 5,066 |
| Total domestic deposits to total assets | 84.8780% | 3,611 |
| Equity capital to assets | 14.0650% | 1,148 |
| Core capital (leverage) ratio | 14.0423% | 970 |
| Tier 1 risk-based capital ratio | 33.5710% | 393 |
| Total risk-based capital ratio | 34.8230% | 378 |
| Memoranda: | ||
| Average total assets | $118,487,600 | 4,622 |
| Average earning assets | $114,101,800 | 4,448 |
| Average equity | $16,631,400 | 3,751 |
| Average total loans | $72,524,000 | 4,783 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0238% | 6,536 |
| Cost of funding earning assets | 2.2186% | 2,315 |
| Net interest margin | 2.8052% | 7,052 |
| Noninterest income to average assets | 0.0959% | 7,422 |
| Noninterest expense to average assets | 2.1682% | 7,054 |
| Loan and lease loss provision to assets | 0.1072% | 6,303 |
| Net operating income to assets | 0.3271% | 4,690 |
| Return on assets (ROA) | 0.3271% | 4,794 |
| Pretax return on assets | 0.5234% | 4,444 |
| Return on Equity (ROE) | 2.3319% | 5,051 |
| Retained earnings to average equity (ytd only) | 2.3319% | 4,021 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.4688% | 3,243 |
| Assets per employee ($millions) | 7.9445% | 525 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9265% | 6,648 |
| Loan loss allowance to noncurrent loans | 40.3519% | 5,646 |
| Noncurrent assets plus other real estate owned to assets | 1.3829% | 4,330 |
| Noncurrent loans to loans | 2.2961% | 3,271 |
| Net loans and leases to total assets | 59.6704% | 5,633 |
| Net loans and leases to deposits | 70.3253% | 5,871 |
| Net loans and leases to core deposits | 92.9614% | 5,141 |
| Total domestic deposits to total assets | 84.8491% | 3,308 |
| Equity capital to assets | 14.0398% | 1,292 |
| Core capital (leverage) ratio | 13.9242% | 1,112 |
| Tier 1 risk-based capital ratio | 33.3526% | 426 |
| Total risk-based capital ratio | 34.6042% | 413 |
| Memoranda: | ||
| Average total assets | $118,191,250 | 4,645 |
| Average earning assets | $113,881,750 | 4,484 |
| Average equity | $16,581,250 | 3,790 |
| Average total loans | $73,149,000 | 4,808 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0769% | 6,522 |
| Cost of funding earning assets | 2.3436% | 2,188 |
| Net interest margin | 2.7333% | 7,133 |
| Noninterest income to average assets | 0.0916% | 7,515 |
| Noninterest expense to average assets | 2.2314% | 6,969 |
| Loan and lease loss provision to assets | 0.0509% | 6,719 |
| Net operating income to assets | 0.2834% | 4,972 |
| Return on assets (ROA) | 0.2834% | 5,071 |
| Pretax return on assets | 0.4395% | 4,830 |
| Return on Equity (ROE) | 2.0204% | 5,293 |
| Retained earnings to average equity (ytd only) | 2.0204% | 4,219 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.9825% | 2,725 |
| Assets per employee ($millions) | 7.9615% | 504 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8425% | 7,009 |
| Loan loss allowance to noncurrent loans | 102.9160% | 2,818 |
| Noncurrent assets plus other real estate owned to assets | 0.4882% | 6,214 |
| Noncurrent loans to loans | 0.8186% | 5,587 |
| Net loans and leases to total assets | 59.1343% | 5,818 |
| Net loans and leases to deposits | 69.6587% | 6,021 |
| Net loans and leases to core deposits | 93.1441% | 5,223 |
| Total domestic deposits to total assets | 84.8915% | 3,318 |
| Equity capital to assets | 13.8910% | 1,344 |
| Core capital (leverage) ratio | 13.8542% | 1,176 |
| Tier 1 risk-based capital ratio | 29.7701% | 615 |
| Total risk-based capital ratio | 30.8470% | 613 |
| Memoranda: | ||
| Average total assets | $117,865,670 | 4,689 |
| Average earning assets | $113,415,670 | 4,531 |
| Average equity | $16,531,330 | 3,808 |
| Average total loans | $73,607,670 | 4,824 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2949% | 5,913 |
| Cost of funding earning assets | 2.4258% | 2,189 |
| Net interest margin | 2.8691% | 6,835 |
| Noninterest income to average assets | 0.0615% | 7,759 |
| Noninterest expense to average assets | 2.1659% | 6,966 |
| Loan and lease loss provision to assets | 0.0512% | 6,321 |
| Net operating income to assets | 0.3860% | 4,911 |
| Return on assets (ROA) | 0.3860% | 5,094 |
| Pretax return on assets | 0.6081% | 4,731 |
| Return on Equity (ROE) | 2.7390% | 5,480 |
| Retained earnings to average equity (ytd only) | 2.7390% | 4,363 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6626% | 3,374 |
| Assets per employee ($millions) | 7.8555% | 531 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7907% | 7,191 |
| Loan loss allowance to noncurrent loans | 100.0000% | 3,066 |
| Noncurrent assets plus other real estate owned to assets | 0.4965% | 5,979 |
| Noncurrent loans to loans | 0.7907% | 5,462 |
| Net loans and leases to total assets | 62.2949% | 5,272 |
| Net loans and leases to deposits | 73.4393% | 5,548 |
| Net loans and leases to core deposits | 97.2123% | 4,831 |
| Total domestic deposits to total assets | 84.8251% | 3,291 |
| Equity capital to assets | 14.0674% | 1,346 |
| Core capital (leverage) ratio | 13.8093% | 1,230 |
| Tier 1 risk-based capital ratio | 32.0718% | 529 |
| Total risk-based capital ratio | 33.2066% | 522 |
| Memoranda: | ||
| Average total assets | $117,087,000 | 4,728 |
| Average earning assets | $112,788,000 | 4,563 |
| Average equity | $16,502,500 | 3,840 |
| Average total loans | $74,801,500 | 4,816 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5111% | 7,274 |
| Cost of funding earning assets | 2.8325% | 2,573 |
| Net interest margin | 2.6786% | 7,539 |
| Noninterest income to average assets | 0.0446% | 7,916 |
| Noninterest expense to average assets | 1.9525% | 7,537 |
| Loan and lease loss provision to assets | 0.0253% | 7,083 |
| Net operating income to assets | 0.4127% | 5,104 |
| Return on assets (ROA) | 0.4127% | 4,917 |
| Pretax return on assets | 0.6477% | 4,554 |
| Return on Equity (ROE) | 3.0344% | 5,224 |
| Retained earnings to average equity (ytd only) | 3.0344% | 3,279 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3664% | 3,512 |
| Assets per employee ($millions) | 7.7561% | 502 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7538% | 7,266 |
| Loan loss allowance to noncurrent loans | 267.6056% | 1,501 |
| Noncurrent assets plus other real estate owned to assets | 0.1831% | 6,823 |
| Noncurrent loans to loans | 0.2817% | 6,527 |
| Net loans and leases to total assets | 64.5035% | 5,173 |
| Net loans and leases to deposits | 76.2379% | 5,562 |
| Net loans and leases to core deposits | 99.1491% | 4,912 |
| Total domestic deposits to total assets | 84.6082% | 3,022 |
| Equity capital to assets | 14.1214% | 1,394 |
| Core capital (leverage) ratio | 13.7157% | 1,325 |
| Tier 1 risk-based capital ratio | 31.5213% | 573 |
| Total risk-based capital ratio | 32.6154% | 568 |
| Memoranda: | ||
| Average total assets | $118,720,000 | 4,554 |
| Average earning assets | $114,386,600 | 4,404 |
| Average equity | $16,148,200 | 3,901 |
| Average total loans | $76,586,000 | 4,629 |